Compare Two Credit Cards for Your Actual Spending Pattern

Both cards have generous rewards rates in the marketing. Neither rate applies to everything you actually buy. This compares the two cards against your real spending pattern, runs the fee versus benefit numbers, and tells you which one earns more and by roughly how much.

Compare {CARD_1} and {CARD_2} for someone whose monthly spending pattern is {SPENDING_PATTERN} (e.g. mostly groceries and fuel, mostly eating out and travel, online shopping and subscriptions).

For each card:
1. The effective cash back or rewards rate for this specific spending pattern
2. Annual fee versus realistic annual benefit at this spending level
3. Any introductory offer and whether the person's spending pattern will realistically earn it
4. One scenario where this card underperforms its advertised rate for this spending type

End with a verdict: which card earns more for this specific person, and the break-even calculation if fees differ.