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Reward values are calculated using 200+ adjustable factors.
To get started, choose a profile that best describes you, and then click the Customize button.

Typical spender

My spending will be pretty similar to the average person.
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Heavy traveler

I'll use the card mostly for travel-related purchases.
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First-year bonus chaser

I'm just looking for the best signup bonus.
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Ongoing deal chaser

I'll spend extra time using shopping portals that'd maximize my savings.
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Business owner

I'll use the card mostly for business purposes.
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Urbanite

I spend more than the average person on dining, clothing, and entertainment.
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Suburbanite

I'll spend more than the average person on groceries, home supplies, etc.
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Essentials spender

I'll mostly only be buying the essentials (gas, groceries, etc.)
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APR-focused

I usually don't pay off my full balance, and/or I'll transfer a balance.
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Credit newbie

I'm just starting out, or am trying to rebuild my credit.
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Credit Score

Which of these features do you want to include in each credit card's value per year?

How much will you spend per month?

  • $Total per month

    • $on Shopping

      • $on Online-only merchants (e.g., Amazon.com)

      • $on Department stores and wholesale clubs

      • $on Other shopping (e.g., clothing stores, furniture stores, etc.)

    • $on Food & dining

      • $on Groceries

      • $on Restaurants

    • $on Gas

    • $on Travel

      • $on Air travel

      • $on Hotels

      • $on Rental car

      • $on Transit (e.g., Uber, Lyft, taxis, buses, trains, parking)

    • $on Bills & misc.

      • $on Entertainment (incl. movies & events)

      • $on Health & fitness (incl. drugstores & pharmacies, healthcare)

      • $on Bills & utilities

      • $on Everything else

General Questions

How many years will you use this card?

What % of your balance do you plan on paying each month?

Other General Questions

  • Average amount spent abroad per year

    • Amount ($) planning to transfer

    • Expected # of months it'll take to pay off

    • # months from now when balance transfer will occur

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Chase Freedom Flex

A no annual fee card with 5% cash back on categories that change every 3 months, 5% on travel (when purchased through Chase's points website), 3% on restaurants and drugstores, and 1% on everything else, as well as a $200 signup bonus.

$516/yr

total value to you

Annual Fee

Signup Bonus

APR

$0
 
$200 cash
(after spending $500 w/in 3 months)
14.99-23.74%
(0% intro)
Show Details
Issuer
Chase
Network
Mastercard
Credit Score Required
Average (670-739)
X

Pros

  • $200 cash bonus for spending $500 within the first 3 months.
  • Through March 2022: 5x points on Lyft rides.
  • 5% cash back (on up to $1,500 spent per quarter) in categories that rotate each quarter (e.g., gas, restaurants, groceries, and Amazon).
  • 5% cash back on travel purchased through Chase.
  • 3% cash back on restaurants and drugstores.
  • 1% cash back on all other spending.
  • No annual fee.
  • 0% intro APR.

Cons

  • You'll need to remember which categories are the current 5% categories in any given quarter. (If you'd prefer to just earn the same cash back rate across all categories, you might want to consider the Chase Freedom Unlimited card instead.)

Rewards & Perks

  • $200 cash bonus after spending $500 within the first 3 months.
  • Through March 2022: 5x points on Lyft rides.
  • 5% cash back (on up to $1,500 spent per quarter) in categories that rotate each quarter (e.g., gas, restaurants, groceries, and Amazon).
  • 5% cash back on travel purchased through Chase.
  • 3% cash back on restaurants and drugstores.
  • 1% cash back on all other spending.
  • Receive a $10 Lyft credit once per month for every 5 rides you take in a month.

Rates & Fees

  • No annual fee.
  • APR on purchases: 14.99-23.74%. (0% for the first 15 months.)
  • APR on balance transfers: 14.99-23.74%.
  • Foreign transaction fee: 3%.

Total savings over 5 years: $2,579

View reward details

Chase Freedom Unlimited

An excellent all-around (general spending) cash back card for most people, due to its 1.5% cash back rate, $200 signup bonus, and no annual fee.

$444/yr

total value to you

Annual Fee

Signup Bonus

APR

$0
 
$200 cash
(after spending $500 w/in 3 months)
14.99-23.74%
(0% intro)
Show Details
Issuer
Chase
Network
Visa
Credit Score Required
Average (670-739)
X

Pros

  • $200 bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Through March 2022: 5% cash back on Lyft rides.
  • 5% cash back on travel purchased through Chase.
  • 3% cash back on restaurants and drugstores.
  • 1.5% cash back on all other purchases.
  • For the first year: Earn an extra 1.5% cash back on all categories of spending (for up to $20,000 spent). (In other words: 6.5% instead of 5% cash back on travel purchased through Chase, 4.5% instead of 3% cash back on restaurants and drugstores, and 3% instead of 1.5% cash back on all other purchases.)
  • No annual fee.
  • 0% intro APR.

Cons

  • There are some other no-annual-fee cash back cards that offer higher cash back rates on specific spending categories.
  • And if you're willing to pay an annual fee, there are even better rewards rates out there for spending categories such as travel (e.g., Chase Sapphire Reserve).

Rewards & Perks

  • $200 cash bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Through March 2022: 5% cash back on Lyft rides.
  • 5% cash back on travel purchased through Chase.
  • 3% cash back on restaurants and drugstores.
  • 1.5% cash back on all other purchases.
  • For the first year: Earn an extra 1.5% cash back on all categories of spending (for up to $20,000 spent). (In other words: 6.5% instead of 5% cash back on travel purchased through Chase, 4.5% instead of 3% cash back on restaurants and drugstores, and 3% instead of 1.5% cash back on all other purchases.)

Rates & Fees

  • No annual fee.
  • APR on purchases: 14.99-23.74% (0% for the first 15 months).
  • APR on balance transfers: 14.99-23.74%.
  • Foreign transaction fee: 3%.

Total savings over 5 years: $2,221

View reward details

Barclays Choice Privileges Visa Signature

A surprisingly good card for travel and general spending, with a good signup bonus (75K points) and no annual fee.

$426/yr

total value to you

Annual Fee

Signup Bonus

APR

$0
 
75K points
(after spending $2K w/in 180 days)
15.74-24.99%
 
Show Details
Issuer
Barclays
Network
Visa
Credit Score Required
Above Average (740-799)
X

Pros

  • Earn 75,000 bonus points after you spend $2,000 on purchases in the first 180 days. (50K points after spending $1K in the first 90 days, and another 25K points after spending $2K in the first 180 days.)
  • Earn 8,000 anniversary bonus points every year you spend $10,000 or more on purchases with your card by your account anniversary date.
  • 15x points at eligible Choice Privileges locations with your Choice Privileges Visa Signature Card and Choice Privileges membership.
  • 5x points on purchases of Choice Privileges points or Choice Hotels gift card purchases.
  • 2 points per eligible $1 spent on everyday purchases.
  • Barclays Elite Gold status: Earn 10% in bonus points on qualifying stays, and get access to dedicated reservations, customer serivce numbers, and exclusive offers.
  • No annual fee.

Cons

  • Each point is worth just 0.6 cents on average, which is low compared to other credit cards.

Rewards & Perks

  • Earn 75,000 bonus points after you spend $2,000 on purchases in the first 180 days. (50K points after spending $1K in the first 90 days, and another 25K points after spending $2K in the first 180 days.)
  • Earn 8,000 anniversary bonus points every year you spend $10,000 or more on purchases with your card by your account anniversary date.
  • 15 points per dollar spent at eligible Choice Privileges locations with your Choice Privileges Visa Signature Card and Choice Privileges membership.
  • 5 points per dollar spent on the purchase of Choice Privileges points or Choice Hotels gift card purchases.
  • 2 points per dollar spent on everyday purchases.
  • Barclays Elite Gold status: Earn 10% in bonus points on qualifying stays, and get access to dedicated reservations, customer serivce numbers, and exclusive offers.

Rates & Fees

  • No annual fee.
  • APR for purchases: 15.74-24.99%.
  • APR for balance transfers: 15.74-24.99% (0% for the first 15 months on BTs posted within the first 45 days).
  • Foreign transaction fee: 3%.

Total savings over 5 years: $2,130

View reward details

American Express Blue Cash Everyday

A great no annual fee cash back card for groceries, gas, and online retail purchases (3% cash back), with a $200 welcome bonus.

$418/yr

total value to you

Annual Fee

Welcome Bonus

APR

$0
 
$200
(after spending $2K w/in 6 months)
13.99-23.99%
(0% intro)
Show Details
Issuer
American Express
Network
American Express
Credit Score Required
Average (670-739)
X

Pros

  • $200 welcome bonus (after spending $2,000 in the first 6 months).
  • 3% cash back on groceries, gas, and online retail purchases (for up to $6K spent per each of those categories) and 1% on everything else.
  • No annual fee.
  • 0% intro APR.

Cons

  • If you're willing to pay an annual fee, the Blue Cash Preferred card offers higher cash back rates in these same categories.

Rewards & Perks

  • $200 welcome bonus (after spending $2,000 in the first 6 months).
  • 3% cash back on groceries, gas, and online retail purchases (for up to $6K spent per each of those categories) and 1% on everything else.

Rates & Fees

  • No annual fee.
  • APR on purchases: 13.99-23.99% (but 0% for the first 15 months).
  • Foreign transaction fee: 2.7%

Total savings over 5 years: $2,090

View reward details

American Express Hilton Honors

A good card for people who are frequent Hilton guests (7x points on Hilton) or who spend on dining, groceries, and gas (5x), which has a welcome bonus of 80K points (after spending $1K w/in 3 months), and no annual fee.

$417/yr

total value to you

Annual Fee

Welcome Bonus

APR

$0
 
80K points
(after spending $1K w/in 3 months)
15.74-24.74%
 
Show Details
Issuer
American Express
Network
American Express
Credit Score Required
Average (670-739)
X

Pros

  • 7x points at Hilton hotels. 5x points at restaurants, supermarkets, and gas stations. 3x points on everything else.
  • Welcome bonus of 80K points (after spending $1,000 w/in 3 months).
  • Plus an additional 50K points if you spend a total of $5,000 w/in 6 months.
  • Complimentary Hilton Honors Silver Status.
  • No annual fee.
  • No foreign transaction fees.

Cons

  • Each point is worth just 0.5 cents on average, which is low compared to other credit cards.

Rewards & Perks

  • 7x points at Hilton properties.
  • 5x points at U.S. restaurants, U.S. supermarkets, and U.S. gas stations.
  • 3x points everywhere else.
  • Welcome bonus of 80K points (after spending $1,000 w/in 3 months).
  • Plus an additional 50K points if you spend a total of $5,000 w/in 6 months.
  • Hilton Honors Silver status: Includes 15% points bonus, fifth night free on award stays, and two complimentary bottles of water per stay.

Rates & Fees

  • No annual fee.
  • APR on purchases: 15.74-24.74%.
  • No foreign transaction fees.

Total savings over 5 years: $2,084

View reward details

Capital One VentureOne Rewards

A mediocre airline rewards card (1.25 miles per dollar), with a 20K miles early spend bonus and no annual fee.

$406/yr

total value to you

Annual Fee

Early Spend Bonus

APR

$0
 
20K miles
(after spending $500 w/in 3 months)
15.49-25.49%
(0% intro)
Show Details
Issuer
Capital One
Network
Visa
Credit Score Required
Average (670-739)
X

Pros

  • 20,000 Bonus Miles: One-time bonus of 20,000 miles once you spend $500 on purchases within the first 3 months.
  • 1.25 miles for every dollar you spend on purchases.
  • No annual fee.
  • No foreign transaction fees.
  • 0% intro APR.

Cons

  • The miles earn rate is pretty mediocre.
  • If you're willing to pay an annual fee, the Capital One Venture Rewards card offers even better rewards.

Rewards & Perks

  • 20,000 Bonus Miles: One-time bonus of 20,000 miles once you spend $500 on purchases within the first 3 months.
  • 1.25 miles per dollar for all purchases.

Rates & Fees

  • No annual fee.
  • APR for purchases: 15.49-25.49% (0% for the first year).
  • APR for balance transfers: 15.49-25.49%.
  • No foreign transaction fees.

Total savings over 5 years: $2,031

View reward details

US Bank Altitude Go Visa Signature

A good card for spending on restaurants (4x points) as well as groceries, streaming services, and gas (2x), with no annual fee and a 20K points signup bonus.

$379/yr

total value to you

Annual Fee

Signup Bonus

APR

$0
 
20K points
(after spending $1K w/in 3 months)
14.99-23.99%
(0% intro)
Show Details
Issuer
US Bank
Network
Visa
Credit Score Required
Above Average (740-799)
X

Pros

  • 4x points on restaurants. 2x on groceries, streaming, and gas. 1x on everything else.
  • 20,000 points signup bonus (after spending $1,000 in the first 3 months).
  • No annual fee.
  • No foreign transaction fees.
  • 0% intro APR.

Rewards & Perks

  • 20,000 bonus points after spending $1,000 in the first 3 months.
  • 4x points on restaurants.
  • 2x on groceries, streaming, and gas.
  • 1x on everything else.

Rates & Fees

  • No annual fee.
  • 0% intro APR (on purchases and balance transfers) for the first 12 months (after that, a variable APR of 14.99-23.99%).
  • No foreign transaction fees.

Total savings over 5 years: $1,893

View reward details

Citi Double Cash

A good card for cash back on general spending (2% cash back -- 1% on purchases, plus another 1% when you pay in full), with no annual fee, but also with no signup bonus.

$368/yr

total value to you

Annual Fee

Signup Bonus

APR

$0
 
None
13.99-23.99%
 
Show Details
Issuer
Citi
Network
Mastercard
Credit Score Required
Above Average (740-799)
X

Pros

  • 2% cash back on every purchase. (1% when you buy, plus an additional 1% when you pay your credit card statement.)
  • No annual fee.
  • Good APR.

Cons

  • No signup bonus.

Rewards & Perks

  • 2% cash back on every purchase. (1% when you buy, plus an additional 1% when you pay your credit card statement.)

Rates & Fees

  • No annual fee.
  • APR on purchases: 13.99-23.99%.
  • APR on balance transfers: 13.99-23.99%. (0% for the first 18 months on balance transfers that are completed within the first 4 months.)
  • Foreign transaction fee: 3%.

Total savings over 5 years: $1,840

View reward details

Chase United Gateway

A mediocre card for frequent United Airlines flyers, offering 2x miles on spending at United Airlines, gas stations, and public transit, as well as a 30K miles signup bonus and no annual fee.

$348/yr

total value to you

Annual Fee

Signup Bonus

APR

$0
 
15K miles
(after spending $1K w/in 3 months)
16.49-23.49%
 
Show Details
Issuer
Chase
Network
Visa
Credit Score Required
Average (670-739)
X

Pros

  • 2x miles on spending at United Airlines, gas stations, and public transit.
  • For the first year: 3x miles on spending at grocery stores (on up to $15,000 in grocery spending).
  • 15,000 miles signup bonus (after spending $1,000 in the first 3 months).
  • No annual fee.
  • No foreign transaction fees.

Cons

  • If you're willing to pay an annual fee, there are other United credit cards that offer higher miles earn rates and better signup bonuses, such as the Chase United Explorer card and the Chase United Club Infinite card.

Rewards & Perks

  • For the first year: 3x miles on spending at grocery stores (on up to $15,000 in grocery spending).
  • 2x miles on spending at United Airlines, gas stations, and public transit/commuting.
  • 1 mile per dollar for all other purchases.
  • 15,000 miles signup bonus after spending $1,000 in the first 3 months.

Rates & Fees

  • No annual fee.
  • APR for purchases and balance transfers: 16.49-23.49%.
  • No foreign transaction fees.

Total savings over 5 years: $1,740

View reward details

US Bank Cash+ Visa Signature

A good no annual fee card, with a $150 signup bonus and 2-5% cash back on certain specific categories (1% on everything else).

$346/yr

total value to you

Annual Fee

Signup Bonus

APR

$0
 
$150 cash
(after spending $500 w/in 90 days)
13.99-23.99%
 
Show Details
Issuer
US Bank
Network
Visa
Credit Score Required
Average (670-739)
X

Pros

  • $150 cash bonus after spending $500 in the first 90 days.
  • 5% cash back on the first $2,000 spent in two categories that you choose.
  • 2% cash back on one "everyday" category. (Typical 2% categories to choose from include gas, restaurants, and groceries.)
  • 1% cash back on all other purchases.
  • No annual fee.
  • Good APR.

Cons

  • Most of the 5% cash back categories are pretty specific, so you'll probably spend more in the 2% cash back category. (For example, as of April 2020, the list of 5% categories to choose from was: Streaming services, home utilities, ground transportation, cell phone providers, electronics stores, fast food, department stores, furniture stores, select clothing stores, gyms/fitness centers, sporting goods stores, and movie theaters.)

Rewards & Perks

  • $150 cash bonus after spending $500 in the first 90 days.
  • 5% cash back on the first $2,000 spent in two categories that you choose.
  • 2% cash back on one "everyday" category. (Typical 2% categories to choose from include gas, restaurants, and groceries.)
  • 1% cash back on all other purchases.

Rates & Fees

  • No annual fee.
  • APR on purchases: 13.99-23.99%.
  • APR on balance transfers: 13.99-23.99%. (0% for the first 12 months on balance transfers posted to your account within the first 60 days.)
  • Foreign transaction fee: 3% of each foreign purchase transaction or foreign ATM advance transaction in a foreign currency, or 2% of each foreign purchase transaction or foreign ATM advance transaction in U.S. dollars.

Total savings over 5 years: $1,729

View reward details