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 good card for earning airline miles, with a 75K miles early spend bonus and 2x miles on all purchases, but also a $95 annual fee.

$0/yr

total value to you

Annual Fee

Early Spend Bonus

APR

$95
 
75K miles
(after spending $4K w/in 3 months)
17.24-24.49%
 
Issuer
Capital One
Network
Visa
Credit Score Required
Average (670-739)
X

Pros

  • 75,000 bonus miles: One-time bonus of 75,000 miles if you spend $4,000 on purchases within the first 3 months.
  • 2x miles on all on purchases.
  • No foreign transaction fees.

Cons

  • $95 annual fee.

Rewards & Perks

  • 75,000 bonus miles: One-time bonus of 75,000 miles once you spend $4,000 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: $0

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.

$0/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: $0

A secured card designed for people with bad credit, which has a $29 annual fee and no rewards.

$-29/yr

total value to you

Annual Fee

Signup Bonus

APR

$29
 
None
21.49% (variable)
 
Issuer
Synovus Bank
Network
Mastercard
Credit Score Required
Bad (<580)
X

Pros

  • If you apply for this card, it won't be recorded in your credit bureau file (unlike applying for a regular, i.e., "unsecured" credit card, which would result in your credit score dropping a few points or so for a certain number of months).

Cons

  • Like most cards for people with bad credit, this card offers no rewards.
  • Because it's a secured card, it requires a (refundable) deposit, which will then be the funds that get used when you buy things with your card.

Rewards & Perks

  • This card has no rewards.

Rates & Fees

  • Annual fee: $29.
  • APR: 21.49% (variable).
  • Foreign transaction fee: 3%.

Total savings over 5 years: $-145

Official Card Description (from card issuer):
  • Receive Your Card More Quickly with New Expedited Processing Option
  • No Credit History or Minimum Credit Score Required for Approval
  • Quick and Complete Online Application; No credit inquiry required!
  • Includes Free Real-Time Access to Your Credit Score and Ongoing Credit Monitoring powered by Experian
  • Full-Feature Platinum Mastercard® Secured Credit Card; Try our new Mobile App for Android users!
  • Good for Car Rental, Hotels; Anywhere Credit Cards Are Accepted!
  • Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
  • Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
  • Just Pay Off Your Balance and Receive Your Deposit Back at Any Time
  • 24/7 Online Access to Your Account
  • Nationwide program; available in all 50 US states *See Card Terms.
  • Get a fresh start! A discharged bankruptcy still in your credit bureau file will not cause you to be declined.

A credit card designed for people with bad credit, which has a $0-99 annual fee (varies based on the person) and has no rewards.

$-94/yr

total value to you

Annual Fee

Signup Bonus

APR

$99
($75 intro)
None
24.9%
 
Issuer
Celtic Bank
Network
Mastercard
Credit Score Required
Bad (<580)
X

Pros

  • If you have bad credit, this card can help you start building up your credit (assuming you make your payments on time).

Cons

  • Like most cards for people with bad credit, this card offers no rewards.

Rewards & Perks

  • This card has no rewards.

Rates & Fees

  • Annual fee: Between $0-99.
  • APR for purchases: 24.9%.
  • Foreign transaction fee: 1%.

Total savings over 5 years: $-471

Official Card Description (from card issuer):
  • Pre-qualify for a card today and it will not impact your credit score
  • Less than perfect credit is okay
  • Mobile account access at any time
  • Fraud protection for stolen or lost cards
  • Account history is reported to the three major credit bureaus in the U.S.