Browse Credit Cards - Find Me a Card
Start tour Ad Disclosure
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.
Customize

Heavy traveler

I'll use the card mostly for travel-related purchases.
Customize

First-year bonus chaser

I'm just looking for the best signup bonus.
Customize

Ongoing deal chaser

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

Business owner

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

Urbanite

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

Suburbanite

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

Essentials spender

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

APR-focused

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

Credit newbie

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

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

More (optional) 
Reset all

Narrow Your Results

Show more filters
Upgrade Cash Rewards Visa®

A good cash back card (1.5% cash back on all purchases), with a $200 signup bonus (after making 3 debit card transactions in a new checking account), for people who only have an average or fair credit score, which has no annual fee.

$310/yr

total value to you

Annual Fee

Signup Bonus

APR

$0
 
$200 cash
(after 3 txns w/ new checking acct)
8.99-29.99%
 
Show Details
Issuer
Sutton Bank
Network
Visa
Credit Score Required
Average (670-739)
X

Pros

  • 1.5% cash back on all purchases.
  • Earn a $200 bonus on your Upgrade Card after opening a Rewards Checking account and making 3 debit card transactions.*
  • No annual fee.
  • No foreign transaction fee.

(*) Disclaimer: To qualify for the $200 welcome bonus, you must open and fund a new Rewards Checking account and make 3 debit card transactions within 60 days of your Upgrade Card account opening. The bonus will be applied as a one-time credit to your account and will not otherwise reduce the amount of your regular monthly payments. The bonus credit will be posted to your Upgrade Card as a rewards credit within 1-2 billing periods following the third debit card transaction on your Rewards Checking account. Your Upgrade Card must be in good standing to receive a bonus.

Rewards & Perks

  • 1.5% cash back on all purchases.
  • Earn a $200 bonus on your Upgrade Card after opening a Rewards Checking account and making 3 debit card transactions.*

(*) Disclaimer: To qualify for the $200 welcome bonus, you must open and fund a new Rewards Checking account and make 3 debit card transactions within 60 days of your Upgrade Card account opening. The bonus will be applied as a one-time credit to your account and will not otherwise reduce the amount of your regular monthly payments. The bonus credit will be posted to your Upgrade Card as a rewards credit within 1-2 billing periods following the third debit card transaction on your Rewards Checking account. Your Upgrade Card must be in good standing to receive a bonus.

Rates & Fees

  • No annual fee.
  • APR on purchases: 8.99-29.99%.
  • No foreign transaction fee.

Total savings over 5 years: $1,550

View reward details

Official Card Description (from card issuer):
  • Earn a $200 bonus on your Upgrade Card after opening a Rewards Checking account and making 3 debit card transactions*
  • Earn 1.5% unlimited cash back on card purchases every time you make a payment
  • Combine the flexibility of a card with the low cost and predictability of a loan
  • $0 fees - $0 annual fee, $0 activation fees, $0 maintenance fees
  • No touch payments with contactless technology built in
  • See if you qualify in minutes without hurting your credit score
  • Access to a virtual card while you wait for your card to arrive in the mail
  • Great for large purchases with predictable payments you can budget for
  • Mobile app to access your account anytime, anywhere
  • Enjoy peace of mind with $0 Fraud liability

(*) Disclaimer: To qualify for the $200 welcome bonus, you must open and fund a new Rewards Checking account and make 3 debit card transactions within 60 days of your Upgrade Card account opening. The bonus will be applied as a one-time credit to your account and will not otherwise reduce the amount of your regular monthly payments. The bonus credit will be posted to your Upgrade Card as a rewards credit within 1-2 billing periods following the third debit card transaction on your Rewards Checking account. Your Upgrade Card must be in good standing to receive a bonus.

TD Cash Credit Card

A no annual fee card with decent cash back rates (3% on dining, 2% on groceries) and a $150 signup bonus, but only available to people who live in one of 16 states.

$311/yr

total value to you

Annual Fee

Signup Bonus

APR

$0
 
$150 cash
(after spending $500 w/in 90 days)
12.99-22.99%
(0% intro)
Show Details
Issuer
TD Bank
Network
Visa
Credit Score Required
Average (670-739)
X

Pros

  • $150 cash bonus when you spend $500 within the first 90 days of account opening.
  • 3% cash back at restaurants.
  • 2% cash back at grocery stores.
  • 1% cash back on all other purchases.
  • No annual fee.
  • 0% intro APR.

Cons

  • Overall, the cash back rates are mediocre.
  • You must live in certain states to apply. (As of April 2020, you must be a resident of one of the following: Connecticut, Delaware, Florida, Maine, Maryland, Massachusetts, New Hampshire, New Jersey, New York, North Carolina, Pennsylvania, Rhode Island, South Carolina, Virgina, Vermont, and Washington D.C.)

Rewards & Perks

  • $150 cash bonus when you spend $500 within the first 90 days of account opening.
  • 3% cash back at restaurants.
  • 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%. (0% for the first 6 months.)
  • APR on balance transfers: 12.99-22.99%. (0% for the first 15 months.)
  • Foreign transaction fee: 3%.

Total savings over 5 years: $1,554

View reward details

PNC Cash Rewards

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%
 
Show Details
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

View reward details

American Express Marriott Bonvoy Brilliant

A premium card that's great for frequent Marriott guests, with a 75K points welcome bonus, great points earn rates (6x at Marriott, 3x on dining and airplane flights, and 2x on everything else), and loads of other excellent travel perks, but a high $450 annual fee.

$303/yr

total value to you

Annual Fee

Welcome Bonus

APR

$450
 
75K points
(after spending $3K w/in 3 months)
15.74-24.74%
 
Show Details
Issuer
American Express
Network
American Express
Credit Score Required
Average (670-739)
X

Pros

  • 75,000 bonus points if you spend $3,000 within the first 3 months.
  • $200 in statement credits for purchases at US restaurants in your first 6 months.
  • 6x points at Marriott Bonvoy hotels. 3x points on dining and flights. 2x points on everything else.
  • $300 annual credit for purchases at Marriott Bonvoy hotels.
  • Complimentary Marriott Bonvoy Gold Elite status.
  • Priority Pass Select membership.
  • 1 free night every year after your card account anniversary.
  • No foreign transaction fees.
  • And lots of other great travel benefits.

Cons

  • $450 annual fee.
  • Each point is worth just 0.7 cents on average, which is low compared to other credit cards.
  • Probably not worth it unless you're a frequent Marriott guest.

Rewards & Perks

  • 75,000 bonus points if you spend $3,000 within the first 3 months.
  • $200 in statement credits for purchases at US restaurants in your first 6 months.
  • 6x points at Marriott Bonvoy hotels. 3x points at U.S. restaurants and on flights booked directly with airlines. 2x points on everything else.
  • $300 annual credit for purchases at Marriott Bonvoy hotels.
  • Priority Pass Select membership: Rest and revive before your flight at one of the 1,000+ VIP lounges in over 500 cities worldwide.
  • 1 free night per year: 1 free night every year after your card account anniversary.
  • $100 Marriott Bonvoy property credit: With your Marriott Bonvoy Brilliant American Express Card, book direct using a special rate for a 2-night minimum stay at The Ritz-Carlton or St. Regis and get up to $100 in credit for qualifying charges.
  • 15 elite night credits: Each calendar year you can receive 15 Elite Night Credits towards the next level of Marriott Bonvoy Elite status.

Rates & Fees

  • Annual fee: $450.
  • APR on purchases: 15.74-24.74%.
  • No foreign transaction fees.

Total savings over 5 years: $1,515

View reward details

Credit One Platinum Rewards

A cash back card for spending on certain categories (5% on gas, grocery, internet, cable, and cell phone service; 1% on everything else), but with a $95 annual fee.

$291/yr

total value to you

Annual Fee

Signup Bonus

APR

$95
 
None
23.99%
 
Show Details
Issuer
Credit One
Network
Visa
Credit Score Required
Below Average (580-669)
X

Pros

  • 5% cash back on the first $5,000 spent each year on gas, grocery, internet, cable, and cell phone service
  • 1% cash back for all other spending

Cons

  • The 5% cash back rate is only for the first $5,000 spent in those categories (combined) each year.
  • No signup bonus.
  • $95 annual fee.
  • Credit One has a reputation for sub-par customer service.

Rewards & Perks

  • 5% cash back on the first $5,000 spent each year on gas, grocery, internet, cable, and cell phone service
  • 1% cash back on all other spending

Rates & Fees

  • $95 annual fee.
  • APR on purchases and balance transfers: 23.99%.
  • Foreign transaction fee: 3%.

Total savings over 5 years: $1,455

View reward details

Bank of America Cash Rewards Secured

A great choice for people who have a poor credit rating, which has no annual fee and comes with 3% cash back on a category of your choice, 2% on groceries and wholesale clubs, and 1% on everything else.

$288/yr

total value to you

Annual Fee

Signup Bonus

APR

$0
 
None
23.99%
 
Show Details
Issuer
Bank of America
Network
Visa
Credit Score Required
Bad (<580)
X

Pros

  • A great card if you have bad credit.
  • 3% cash back on a category of your choice, 2% on groceries and wholesale clubs, and 1% on everything else.
  • No annual fee.

Cons

  • No signup bonus.

Rewards & Perks

  • 3% cash back on a category of your choice
  • 2% on groceries and wholesale clubs
  • 1% on everything else

Rates & Fees

  • No annual fee
  • APR (on purchases and balance transfers): 23.99%
  • Foreign transaction fee: 3%

Total savings over 5 years: $1,438

View reward details

Discover it Secured Card

A secured card (requiring a deposit of at least $200) with decent cash back rewards (2% on restaurants and gas; doubled in the first year) and no annual fee.

$264/yr

total value to you

Annual Fee

Signup Bonus

APR

$0
 
Double cash back
(for the first year)
22.99%
 
Show Details
Issuer
Discover
Network
Discover
Credit Score Required
Bad (<580)
X

Pros

  • 2% cash back at restaurants and gas stations on up to $1,000 in combined purchases each quarter.
  • 1% cash back on all other purchases.
  • Discover automatically matches all the cash back you earn dollar for dollar at the end of your first year.
  • No annual fee.
  • No foreign transaction fees.

Cons

  • The cash back rewards are ok, but not great.
  • Requires an up-front deposit (although it's a refundable deposit).

Rewards & Perks

  • 2% cash back at restaurants and gas stations on up to $1,000 in combined purchases each quarter.
  • 1% cash back on all other purchases.
  • Discover automatically matches all the cash back you earn dollar for dollar at the end of your first year.

Rates & Fees

  • No annual fee.
  • APR on purchases: 22.99%.
  • APR on balance transfers: 22.99%. (10.99% for the first 6 months on balance transfers that post to your account within the first 2-3 months.)
  • No foreign transaction fees.

Total savings over 5 years: $1,320

View reward details

Discover it Chrome Gas & Restaurant Card

A mediocre cash back card for gas and restaurant spending (2%), but with doubled cash back in the first year and no annual fee.

$264/yr

total value to you

Annual Fee

Signup Bonus

APR

$0
 
Double cash back
(for the first year)
11.99-22.99%
(0% intro)
Show Details
Issuer
Discover
Network
Discover
Credit Score Required
Average (670-739)
X

Pros

  • 2% cash back at gas and restaurants on up to $1,000 in combined purchases each quarter.
  • 1% cash back on all other purchases.
  • Discover automatically matches all the cash back you earn dollar for dollar at the end of your first year.
  • No annual fee.
  • No foreign transaction fees.
  • 0% intro APR.

Cons

  • If you're willing to pay an annual fee, there are better rewards cards out there for gas and restaurants.

Rewards & Perks

  • 2% cash back at gas and restaurants on up to $1,000 in combined purchases each quarter.
  • 1% cash back on all other purchases.
  • Discover automatically matches all the cash back you earn dollar for dollar at the end of your first year.

Rates & Fees

  • No annual fee.
  • APR on purchases: 11.99-22.99%. (0% for the first 14 months.)
  • APR on balance transfers: 11.99-22.99%. (0% for the first 14 months on balance transfers that post to your account within the first 2-3 months.)
  • No foreign transaction fees.

Total savings over 5 years: $1,320

View reward details

TD First Class Visa Signature

A sub-par travel rewards credit card, with a moderate 25K miles signup bonus and 3x miles on travel and dining, but an $89 annual fee and a value per mile of only 1 cent.

$238/yr

total value to you

Annual Fee

Signup Bonus

APR

$89
($0 intro)
25K miles
(after spending $3K w/in 6 months)
13.24%
 
Show Details
Issuer
TD Bank
Network
Visa
Credit Score Required
Average (670-739)
X

Pros

  • 25,000 bonus miles after you spend $3,000 within the first 6 months.
  • 3x miles on travel and dining.
  • 1x miles on everything else.
  • Good APR.
  • No foreign transaction fees.

Cons

  • $89 annual fee. ($0 in the first year.)
  • Not a very good value per mile (only 1 cent per mile) when compared to other travel cards.
  • Most other travel cards have superior travel-related perks, such as access to airline clubs, free companion airline tickets, etc.

Rewards & Perks

  • 25,000 bonus miles after you spend $3,000 within the first 6 months.
  • 3x miles on travel and dining.
  • 1 mile per dollar on everything else.

Rates & Fees

  • Annual fee: $89. ($0 in the first year.)
  • APR on purchases: 13.24%.
  • APR on balance transfers: 13.24%. (0% for the first year.)
  • No foreign transaction fees.

Total savings over 5 years: $1,190

View reward details

Capital One Journey Student Rewards

A good cash back card (1-1.25%) for students who don't have many other options due to their thin credit history, with no annual fee, but also no early spend bonus.

$237/yr

total value to you

Annual Fee

Early Spend Bonus

APR

$0
 
None
25.99%
 
Show Details
Issuer
Capital One
Network
Visa
Credit Score Required
Below Average (580-669)
X

Pros

  • If you have a poor to average credit score, this is one of your best options for a rewards credit card.
  • 1% cash back on all your purchases.
  • Pay on time to boost your cash back to a total of 1.25% for that month.
  • $60 streaming subscription credit: Earn $5 per month for 12 months on select streaming subscriptions when you pay on time. (Exclusions apply.)
  • No annual fee.
  • No foreign transaction fees.

Cons

  • There are several cards with higher cash back rates (if you have good or excellent credit).
  • No early spend bonus.
  • High APR.

Rewards & Perks

  • 1% cash back on all purchases.
  • Pay on time to boost your cash back to a total of 1.25% for that month.
  • $60 streaming subscription credit: Earn $5 per month for 12 months on select streaming subscriptions when you pay on time. (Exclusions apply.)

Rates & Fees

  • No annual fee.
  • APR for purchases and balance transfers: 25.99%.
  • No foreign transaction fees.

Total savings over 5 years: $1,184

View reward details