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Reward values are calculated using 200+ adjustable factors.
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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

Narrow Your Results

A high annual fee ($695), but excellent travel perks (5x on travel, annual $200 Uber credit, and many hotel perks) and a 100K points welcome bonus.

$865/yr

total value to you

Annual Fee

Welcome Bonus

APR

$695
 
100K points
(after spending $6K w/in 6 months)
15.99-22.99%
 
Issuer
American Express
Network
American Express
Credit Score Required
Above Average (740-799)
X

Pros

  • 5x points on most travel purchases.
  • Complimentary benefits with an average total value of $550 with American Express Fine Hotels & Resorts.
  • 100,000 points welcome bonus (after spending $6K within the first 6 months).
  • Up to $200 Uber savings annually.
  • Each point is worth about 1.7 cents on average, which is high compared to other credit cards.

Cons

  • $695 annual fee.

Rewards & Perks

Earning points:

  • 5x points on flights booked directly with airlines or with American Express travel (on up to $500,000 spent per year).
  • 5x points on hotels booked on amextravel.com.
  • 1x points on everything else.
  • 100,000 points welcome bonus (after spending $6,000 in the first 6 months).

Elite statuses:

  • American Express Global Lounge Collection benefits: Unlocks access to more than 1,200 airport lounges across 130 countries and counting.
  • Marriott Bonvoy Gold Elite status: Includes 25% points bonus, priority late checkout, Elite phone line, complimentary enhanced internet, upgrades to enhanced rooms, and welcome gifts.
  • Hilton Honors Gold status: Includes 80% points bonus on stays, milestone bonus, fifth night free on reward stays, two complimentary bottles of water per stay, room upgrades, breakfast, and bonus points or another welcome amenity.
  • Uber VIP Status: Get matched with top-rated Uber drivers.

Special access:

  • American Express Fine Hotels & Resorts program: Provides the following elite-like benefits at over 1,000 luxury hotel locations: Room upgrade upon arrival (subject to availability), daily breakfast for 2 people, guaranteed 4pm late checkout, noon check-in (subject to availability), complimentary wi-fi, and a unique property amenity valued at $100 (spa or food and beverage credit).
  • "By Invitation Only" Program: Specially-curated and customized once-in-a-lifetime events exclusively for American Express Platinum and Centurion Card Members, including Additional Centurion Cards. (RSVP is required.)

Annual credits:

  • $200 for Uber: Up to $15 per month in Uber credits for U.S. rides, plus a bonus $20 in December.
  • $100 for Saks: $100 voucher for Saks Fifth Avenue ($50 January-June and $50 July-December).
  • $179 for CLEAR® airport security service: Up to $179 in fee credits for a CLEAR® airport security service plan. (Enrollment required; credit is a statement credit.)
  • $200 for hotels: $200 Hotel Credit as statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel. (Enrollment Required.)
  • $200 for airline fees: $200 in annual airline fee credits (as statement credits) for your chosen airline (Enrollment required)
  • $240 for digital entertainment: $240 Digital Entertainment Credit which is good for up to $20 back each month on select digital subscriptions with Peacock, Audible, SiriusXM, and The New York Times.(Enrollment Required.)
  • $300 for Equinox: $300 Equinox Credit as a $25 statement credit valid each month at Equinox, valid for Equinox All Access, Destination, or E by Equinox membership fees, or for Equinox+. (Enrollment required.)

Rates & Fees

  • Annual fee: $695.
  • Annual Percentage Rate (APR) for Pay Over Time Feature: 15.99-22.99%.
  • No foreign transaction fees.

Total savings over 5 years: $4,326

A decent high-end card ($250 annual fee) for people who travel frequently and are looking for premium travel-related rewards and perks.

$728/yr

total value to you

Annual Fee

Welcome Bonus

APR

$250
 
75K points
(after spending $4K w/in 6 months)
15.99-22.99%
 
Issuer
American Express
Network
American Express
Credit Score Required
Above Average (740-799)
X

Pros

  • Earn 75,000 points after you spend $4,000 on eligible purchases with your new card within the first 6 months.
  • 4x points at US restaurants, and on up to $25,000 spent per year at US supermarkets.
  • 3x points on flights booked directly with airlines or on amextravel.com.
  • $120 dining credit: Earn up to $10 in statement credits monthly when you pay with The Gold Card at participating partners (Grubhub, Seamless, The Cheesecake Factory, Ruth's Chris Steak House, Boxed, and participating Shake Shack locations). Enrollment required.
  • $120 Uber credit each year: $10 per month in Uber credits to spend on Uber Eats orders or Uber rides in the U.S.
  • Each point is worth about 1.7 cents on average, which is high compared to other credit cards.
  • No foreign transaction fees.

Cons

  • Annual fee: $250.

Rewards & Perks

  • 4x points at US restaurants.
  • 4x points at US supermarkets (on up to $25,000 per year in purchases).
  • 3x points on flights booked directly with airlines or on amextravel.com.
  • $120 dining credit: Earn up to $10 in statement credits monthly when you pay with The Gold Card at participating partners (Grubhub, Seamless, The Cheesecake Factory, Ruth's Chris Steak House, Boxed, and participating Shake Shack locations). Enrollment required.
  • $120 Uber credit each year: $10 per month in Uber credits to spend on Uber Eats orders or Uber rides in the U.S.

Rates & Fees

  • Annual fee: $250.
  • Annual Percentage Rate (APR) for Pay Over Time Feature: 15.99-22.99%.
  • No foreign transaction fee.

Total savings over 5 years: $3,642

A good card for earning airline miles, with a 60K miles early spend bonus and 2x miles on all purchases, but also a $95 annual fee.

$629/yr

total value to you

Annual Fee

Early Spend Bonus

APR

$95
 
60K miles
(after spending $3K w/in 3 months)
17.24-24.49%
 
Issuer
Capital One
Network
Visa
Credit Score Required
Average (670-739)
X

Pros

  • 60,000 bonus miles: One-time bonus of 50,000 miles if you spend $3,000 on purchases within the first 3 months.
  • 2x miles on all on purchases.
  • No foreign transaction fees.

Cons

  • $95 annual fee.

Rewards & Perks

  • 60,000 bonus miles: One-time bonus of 60,000 miles once you spend $3,000 on purchases within the first 3 months.
  • 2 miles per dollar for all purchases.

Rates & Fees

  • Annual fee: $95.
  • APR for purchases and balance transfers: 17.24-24.49%.
  • No foreign transaction fees.

Total savings over 5 years: $3,145

A good card for spending on food and travel (3x points on restaurants, groceries, gas, airlines, and hotels), with a 60K points signup bonus, but also a $95 annual fee.

$625/yr

total value to you

Annual Fee

Signup Bonus

APR

$95
 
60K points
(after spending $4K w/in 3 months)
15.99-23.99%
 
Issuer
Citi
Network
Mastercard
Credit Score Required
Above Average (740-799)
X

Pros

  • 60,000 points signup bonus (after spending $4,000 in the first 3 months).
  • 3x points on restaurants, groceries, gas, airlines, and hotels. 1x on everything else.
  • Each point is worth about 1.7 cents on average, which is high compared to other credit cards.
  • No foreign transaction fees.

Cons

  • $95 annual fee.

Rewards & Perks

  • 60,000 bonus points after spending $4,000 in the first 3 months.
  • 3x points on restaurants, groceries, gas, airlines, and hotels. 1x on everything else.
  • $100 Annual Hotel Savings Benefit: Enjoy $100 off a single hotel stay of $500 or more, excluding taxes and fees, through thankyou.com, once per calendar year.

Rates & Fees

  • $95 annual fee.
  • APR for purchases and balance transfers: 15.99-23.99%.
  • No foreign transaction fees.

Total savings over 5 years: $3,123

A decent card for frequent United flyers, with 2x miles on United purchases, restaurants, and hotels, as well as a 60K miles signup bonus (after spending $3K in the first 3 months), but also a $95 annual fee.

$607/yr

total value to you

Annual Fee

Signup Bonus

APR

$95
($0 intro)
60K miles
(after spending $3K w/in 3 months)
16.49-23.49%
 
Issuer
Chase
Network
Visa
Credit Score Required
Average (670-739)
X

Pros

  • 60,000 bonus miles after you spend $3,000 on purchases in the first 3 months.
  • Plus another 10,000 bonus miles after you spend $6,000 total in the first 6 months.
  • 2x miles on United purchases, restaurants, and hotels (when purchased directly with the hotel). (Restaurant purchases include eligible delivery services such as GrubHub, Seamless, DoorDash, and Caviar.)
  • 1 mile per dollar spent on all other purchases.
  • Chase Luxury Hotel & Resort Collection benefits: Provides the following benefits at over 1,000 luxury hotels, resorts, lodges, and spas: Daily breakfast for two, a room upgrade (if available), early check-in and late check-out (if available), complimentary wi-fi, and a special benefit unique to each property (e.g., lunch or dinner for two, a spa treatment, waivers of golf greens fees, welcome gift, or airport transfers).
  • 2 United Club one-time passes each year for your travel.
  • No foreign transaction fees.

Cons

  • $95 annual fee. ($0 in the first year.)
  • If you're willing to pay an even higher annual fee, the Chase United Club Infinite card offers even better rewards. (Or, if you don't want to pay any annual fee at all, and you're fine with earning lower rewards, then you might want to go with the Chase United Gateway card instead.)

Rewards & Perks

  • 60,000 bonus miles after you spend $3,000 on purchases in the first 3 months.
  • Plus another 10,000 bonus miles after you spend $6,000 total in the first 6 months.
  • x miles on United purchases, restaurants, and hotels (when purchased directly with the hotel). (Restaurant purchases include eligible delivery services such as GrubHub, Seamless, DoorDash, and Caviar.)
  • 1 mile per dollar spent on all other purchases.
  • 25% cash back on United in-flight purchases.
  • Chase Luxury Hotel & Resort Collection benefits: Provides the following benefits at over 1,000 luxury hotels, resorts, lodges, and spas: Daily breakfast for two, a room upgrade (if available), early check-in and late check-out (if available), complimentary wi-fi, and a special benefit unique to each property (e.g., lunch or dinner for two, a spa treatment, waivers of golf greens fees, welcome gift, or airport transfers).
  • 2 United Club one-time passes each year for your travel.
  • Priority boarding: The primary Cardmember and companions on the same reservation will be invited to board United-operated flights prior to general boarding.
  • Free first checked bag for you plus one travelling companion.
  • Premier upgrades on award tickets: The primary card member who is also a MileagePlus Premier member and traveling on an award ticket can take advantage of Complimentary Premier Upgrades on United-operated flights (when available).
  • Personal concierge service (via Visa Signature Concierge): Visa Signature concierge service gives you access to concierges who can help with travel planning, restaurant recommendations, and event reservations.
  • Access to United card events from Chase and United MileagePlus events.

Rates & Fees

  • Annual fee: $95. ($0 in the first year.)
  • APR on purchases and balance transfers: 16.49-23.49%.
  • No foreign transaction fees.

Total savings over 5 years: $3,033

A good card for Delta frequent flyers, with a welcome bonus of 40K miles (after spending $1K within 3 months), but with a $99 annual fee.

$531/yr

total value to you

Annual Fee

Welcome Bonus

APR

$99
($0 intro)
40K miles
(after spending $1K w/in 3 months)
15.74-24.74%
 
Issuer
American Express
Network
American Express
Credit Score Required
Average (670-739)
X

Pros

  • 40K miles welcome bonus (after spending $1,000 in the first 3 months).
  • $100 Delta flight credit (in each year you spend at least $10,000 with the card).
  • No foreign transaction fees.

Cons

  • $99 annual fee (after the first year).
  • If you're willing to pay an even higher annual fee, the Delta SkyMiles Platinum card offers even better rewards.

Rewards & Perks

  • 40K miles welcome bonus (after spending $1,000 in the first 3 months).
  • Earn 2x miles on restaurants, U.S. supermarkets, and Delta purchases. Earn 1x miles on all other purchases.
  • Priority boarding: Priority boarding allows you to board the plane sooner, stow your bag and settle in your seat before takeoff.
  • Free checked bag: First checked bag is free.
  • $100 Delta credit each year: Receive a $100 Delta flight credit each year that you spend $10,000 or more with the card.
  • 20% back on in-flight purchases: 20% discount on eligible in-flight purchases of food, beverages, and audio headsets.

Rates & Fees

  • $99 annual fee ($0 first year).
  • APR on purchases: 15.74-24.74%.
  • No foreign transaction fees.

Total savings over 5 years: $2,653

A good card for travel and dining (2x points) with a good signup bonus (80K points), but with a $95 annual fee.

$521/yr

total value to you

Annual Fee

Signup Bonus

APR

$95
 
80K points
(after spending $4K w/in 3 months)
15.99-22.99%
 
Issuer
Chase
Network
Visa
Credit Score Required
Above Average (740-799)
X

Pros

  • Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
  • Through March 2022: 5x points on Lyft rides.
  • 2x points on restaurants and travel (hotels, air travel, and rental car).
  • For the first year: $50 in statement credits for groceries.
  • 1 point per dollar on all other purchases.
  • Points are worth 25% more when you redeem them for travel (via Chase Ultimate Rewards) and/or (for at least a limited time) for statement credits in select rotating categories (via "Pay Yourself Back").
  • No foreign transaction fees.

Cons

  • $95 annual fee.
  • If you're willing to pay an even higher annual fee, the Chase Sapphire Reserve card offers even better rewards.

Rewards & Perks

  • 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
  • Through March 2022: 5x points on Lyft rides.
  • For the first year: $50 in statement credits for groceries.
  • For the first year: Complimentary DoorDash "DashPass" membership, which offers unlimited deliveries with a $0 delivery fee and reduced service fees on orders over $12 on qualifying food purchases.
  • Through December 2021: Get up to $60 back on an eligible Peloton Digital or All-Access Membership, and get full access to their workout library through the Peloton app.
  • 2x points on restaurants and travel (hotels, air travel, and rental car).
  • 1 point per dollar on all other purchases.
  • Points are worth 25% more when you redeem them for travel (via Chase Ultimate Rewards) and/or (for at least a limited time) for statement credits in select rotating categories (via "Pay Yourself Back").

Rates & Fees

  • Annual fee: $95.
  • APR on purchases and balance transfers: 15.99-22.99%.
  • No foreign transaction fees.

Total savings over 5 years: $2,605

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)
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

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)
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

A great 2% cash back card, with a $200 signup bonus and no annual fee.

$436/yr

total value to you

Annual Fee

Signup Bonus

APR

$0
 
$200 cash
(after spending $1K w/in 3 months)
14.99-24.99%
(0% intro)
Issuer
Wells Fargo
Network
Visa
Credit Score Required
Average (670-739)
X

Pros

  • $200 cash bonus after you spend $1,000 in the first 3 months.
  • 2% cash back on all purchases.
  • No annual fee.
  • 0% intro APR.

Rewards & Perks

  • $200 cash bonus after you spend $1,000 in the first 3 months.
  • 2% cash back on all purchases.

Rates & Fees

  • No annual fee.
  • APR on purchases: 14.99-24.99%. (0% for first 15 months.)
  • APR on balance transfers: 14.99-24.99%. (0% for first 15 months on balance transfers posted to your account within the first 120 days.)
  • Foreign transaction fee: 3%.

Total savings over 5 years: $2,180