What CRACTT weighs
Fee break-even
What you'd have to spend and redeem for a premium card to beat a free one.
Your actual categories
Groceries, gas, dining, and travel weightings change the winner completely.
Where you fly
Points are only worth what your routes and home airport can redeem.
Credit impact
Application timing matters if a mortgage or loan is coming.
FAQ
- Is this financial advice?
- No. CRACTT gives structured analysis to help you compare — confirm current terms with the issuer before applying.
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