About PennySwiper
Free. No sign-up. Just the right card.
What We Do
Most people own 2–4 credit cards. But using the wrong one at the wrong store means leaving real money on the table every day. The difference between a 1% card and a 5% card at your grocery store adds up to hundreds of dollars a year.
PennySwiper shows you, instantly, which card earns the most at any store you search. No guesswork. No spreadsheets. Just type the store name and we do the math.
How It Works
1. Search a Store
Type any store name — Amazon, Target, your local coffee shop.
2. See Ranked Cards
We rank every major cash back card by what you actually earn at that store.
3. Earn More
Use the right card, or apply for one you don't have yet.
Our Data
Our reward rate data is researched from card issuer terms and updated regularly. We cover 20+ major credit cards across Chase, American Express, Capital One, Citi, Discover, Wells Fargo, Bank of America, U.S. Bank, and more — mapped across hundreds of stores and merchant categories.
Rates are estimates. Card terms change, and some categories (like Chase Freedom Flex and Discover it) rotate quarterly. We always note when a rate is rotating or estimated, and we encourage you to verify directly with your card issuer.
Who Built This
PennySwiper was built by a small team of people who were tired of leaving money on the table — and suspected most people were doing the same thing without realizing it. We set out to build the simplest possible tool to fix that.
The tool is free to use. We may earn a commission when you apply for a card through our links — but our rankings are always based on what earns you the most, never on what pays us the most. See our Advertiser Disclosure for full details.
Contact
Questions, feedback, or found a data error? We'd love to hear from you: support@pennyswiper.com