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The Missing Ace

The cards built for how you actually spend.

Ten cards or none, it’s the same read: Ace looks at how you actually spend and finds the cards built for it — then prices each net of its fee, in year one and every year after, so you know which are worth carrying.

Matched to your real spend — not a generic ‘best cards’ list.
01 · Your spend

Here’s where your money actually goes.

A year of spending, sorted by where you spend most. Pick a category to see the card built to reward it.

A year of spending SAR 60,000
The card matched to your top category Best for dining Al Rajhi Cashback+
02 · The matches

Three cards match how you spend.

Ace priced each against its fee — what it nets you in year one, and what it keeps netting after any welcome bonus is gone. Ranked by what pays you most, nothing else.

Best match
Alinma AlFursan Visa Infinite
Best for your travel

Alinma AlFursan Visa Infinite

Your SAR 9,800 of travel earns nothing today. On AlFursan it becomes Saudia miles — at the best earn rate in the Kingdom.

1 mile / SAR 1 abroad 1 / SAR 2.5 at home 45,000 welcome miles
What it earns on your spend
Abroad SAR 14,100 × 1 mile14,100
At home SAR 46,000 × 1 / 2.518,400
Welcome bonus (year one)+45,000
≈ 77,500 miles × SAR 0.05 eachSAR 3,870
Net year one
+SAR 2,870
Net every year after
+SAR 620
Annual fee
SAR 1,000
Worth it — the welcome miles clear the fee twice over in year one
Alinma Traveler multi-currency card
Best for spending abroad & online

Alinma Traveler

Every international charge you make quietly adds a ~2.75% currency fee. On your SAR 8,600 of online & abroad spend, this card charges 0%.

0% FX fee 30+ currencies interbank rate
FX fees you stop paying
+SAR 385 /yr
Annual fee
None
Worth it — it pays for itself on your first trip
Al Rajhi Cashback+ card
Best for dining & groceries

Al Rajhi Cashback+

For how much you eat out and shop for groceries, straight cashback beats miles. Priced against the card’s real SAR 200/month cap.

10% dining 6% groceries 10% delivery
Net every year
+SAR 1,560
Annual fee
SAR 300
Worth it

For the way you eat out, this is the honest winner. Ace ranks purely by what pays you most — never by brand.

03 · The honest part

Sometimes the answer is no.

A recommender that always says ‘apply’ isn’t worth trusting. When a fee outruns what you’d earn, Ace says so.

Riyad Al-Hilal World Elite card

Riyad Al-Hilal World Elite

A high fee only pays off if you live in what it rewards. This one earns 10% on e-gaming and stacks Al-Hilal perks — but you don’t game.

Rewards on your spend (best case)+ 2,295
Its annual fee− 3,500
Net last year −1,205
Skip it — you’d pay to hold it

Ace would tell you to skip it. The same engine that finds the cards you’re missing will also stop you from paying SAR 1,205 for perks you’ll never use.

04 · Built local

Priced the way Saudi cards actually work.

Reward rate, not profit rate

Ace reads each card’s real cashback, miles and points — never the financing ‘profit rate’ banks quote. And it values a mile at what Saudia actually redeems it for.

Real caps & welcome bonuses

Cashback is capped, welcome miles are one-time. Ace splits every card into year-one and ongoing value, so a big first-year number never hides a thin renewal.

Sharia-compliant first

Ace surfaces cards that reward you without an interest structure — the Sharia-compliant options Saudi banks offer, ranked first when they match how you spend.

Find the aces you’re missing.

It takes one look at how you already spend.

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