Ranks every card earnrate knows that takes new applicants, not only the user's, for one purchase or category, each set up at its best (the right category pick, activated, cap unused), with its annual fee and what earning the rate takes. Use it for questions like "what's the best card for groceries?" or "which card should I get for Amazon?". It needs no wallet. For which of the user's own cards to use, call best_card_for_purchase instead. Mention the annual fee and any conditions alongside each card. Cards that need a membership the user hasn't given (Verizon Visa) are in `membersOnly`, not the ranking: name them after it, as the text does. For a store, cards with a statement credit there come first in `credits` ("$75 back each quarter, then 1x Amex Membership Rewards"): present them first, in dollars and never as a percentage, saying when the cardholder must enroll, then the ranking by rate.