Browse Credit Cards - Find Me a Card
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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

Narrow Your Results

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

An excellent card for cash back on groceries (6%) and gas (3%), with a $200 welcome bonus (plus 20% cash back on Amazon.com purchases for the first 6 months, for up to $200 back), which outweigh the $95 annual fee for most people.

$434/yr

total value to you

Annual Fee

Welcome Bonus

APR

$95
($0 intro)
$200
(after spending $3K in the first 6 months)
13.99-23.99%
(0% intro)
Issuer
American Express
Network
American Express
Credit Score Required
Average (670-739)
X

Pros

  • Very high cash back rate (6%) on groceries, as well as U.S. streaming services (e.g., Netflix).
  • Good cash back rate (3%) on gas and transit (e.g., taxis/rideshare, parking, tolls, trains, and buses).
  • $200 welcome bonus (after spending $3,000 in the first 6 months).
  • Plus, 20% cash back on Amazon.com purchases on the Card within the first 6 months, for up to $200 back.
  • 0% intro APR.

Cons

  • $95 annual fee. (But $0 for the first year.)

Rewards & Perks

  • 6% cash back on groceries and U.S. streaming services (e.g., Netflix), 3% on gas and transit (e.g., taxis/rideshare, parking, tolls, trains, buses), 1% everywhere else.
  • $200 welcome bonus (after spending $3,000 in first 6 months).
  • Plus, 20% cash back on Amazon.com purchases on the Card within the first 6 months, for up to $200 back.

Rates & Fees

  • $95 annual fee. ($0 for the first year.)
  • APR on purchases: 13.99-23.99% (but 0% for the first 12 months).
  • Foreign transaction fee: 2.7%

Total savings over 5 years: $2,170

A great no annual fee card if you're an Amazon Prime member (5% at amazon.com and Whole Foods Market, as well as a $70 signup bonus).

$394/yr

total value to you

Annual Fee

Signup Bonus

APR

$0
 
$50 cash
(via Amazon gift card)
14.24-22.24%
 
Issuer
Chase
Network
Visa
Credit Score Required
Average (670-739)
X

Pros

  • $50 off instantly upon approval.
  • If you're an Amazon Prime member: An additional $20 ($70 instead of $50) will be instantly loaded onto your Amazon.com Gift Card upon the approval of your credit card application.
  • 3% cash back at amazon.com and Whole Foods Market.
  • If you're an Amazon Prime member: Earn an additional 2% cash back (in other words, 5% cash back instead of 3% cash back) at Amazon.com and Whole Foods Market.
  • 2% cash back at restaurants, gas stations, and drugstores.
  • 1% cash back on all other purchases.
  • No annual fee.
  • Good APR.
  • No foreign transaction fees.

Cons

  • You need to be an Amazon Prime member to earn the 5% cash back rate at amazon.com and Whole Foods. (Otherwise, you'll only earn 3% on those types of spending.)

Rewards & Perks

  • $50 off instantly upon approval.
  • If you're an Amazon Prime member: An additional $20 ($70 instead of $50) will be instantly loaded onto your Amazon.com Gift Card upon the approval of your credit card application.
  • 3% cash back at amazon.com and Whole Foods Market.
  • If you're an Amazon Prime member: Earn an additional 2% cash back (in other words, 5% cash back instead of 3% cash back) at Amazon.com and Whole Foods Market.
  • 2% cash back at restaurants, gas stations, and drugstores.
  • 1% cash back on all other purchases.
  • Visa Signature Luxury Hotel Collection privileges: Enjoy a premium set of benefits when you use your Premium Rewards card to book through the Visa Signature Luxury Hotel Collection.
  • 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.

Rates & Fees

  • No annual fee.
  • APR on purchases and balance transfers: 14.24-22.24%.
  • No foreign transaction fees.

Total savings over 5 years: $1,970

A good cash back card or dining, entertainment, and grocery spending (4% on dining, entertainment, and streaming services, 3% on groceries, 1% elsewhere), with a $300 early spend bonus, but a $95 annual fee.

$370/yr

total value to you

Annual Fee

Early Spend Bonus

APR

$95
 
$300 cash
(after spending $3K w/in 3 months)
15.99-24.99%
 
Issuer
Capital One
Network
Mastercard
Credit Score Required
Average (670-739)
X

Pros

  • $300 Cash Bonus: Earn a one-time bonus of $300 once you spend $3,000 on purchases within the first 3 months from account opening.
  • 8% cash back on tickets at Vivid Seats using your Savor card.
  • 4% cash back on dining, entertainment, and popular streaming services.
  • 3% cash back on groceries.
  • 1% cash back on all other purchases.
  • No foreign transaction fees.

Cons

  • Not a great cash back rate for categories outside of dining, entertainment/streaming, and groceries.
  • $95 annual fee.

Rewards & Perks

  • $300 Cash Bonus: Earn a one-time bonus of $300 once you spend $3,000 on purchases within the first 3 months from account opening.
  • 8% cash back on tickets at Vivid Seats using your Savor card.
  • 4% cash back on dining, entertainment, and popular streaming services.
  • 2% cash back on groceries.
  • 1% cash back on all other purchases.

Rates & Fees

  • $95 annual fee.
  • APR on purchases and balance transfers: 15.99-24.99%.
  • No foreign transaction fees.

Total savings over 5 years: $1,848

A good card if you're looking for cash back on gas (4%)restaurants (3%), and groceries (2%), with no annual fee.

$305/yr

total value to you

Annual Fee

Signup Bonus

APR

$0
 
None
12.99-22.99%
 
Issuer
PNC
Network
Visa
Credit Score Required
Average (670-739)
X

Pros

  • 4% cash back at gas stations.
  • 3% cash back on dining (also includes fast food).
  • 2% cash back at grocery stores.
  • 1% cash back on all other purchases.
  • No annual fee.
  • Good APR.

Cons

  • You'll only earn the 2-4% cash back rewards for the first $8,000 in combined purchases in these categories annually.
  • There's currently no signup bonus offered for this card.

Rewards & Perks

  • 4% cash back at gas stations.
  • 3% cash back on dining (also includes fast food).
  • 2% cash back at grocery stores.
  • 1% cash back on all other purchases.

Rates & Fees

  • No annual fee.
  • APR on purchases: 12.99-22.99%.
  • APR on balance transfers: 12.99-22.99%. (0% for the first 12 months when the balance is transferred within the first 90 days.)
  • Foreign transaction fee: 3%.

Total savings over 5 years: $1,524