Best calculator to compare credit cards cash back and points rates, signup bonuses, perks and fees side-by-side. Easily find which card is best for your spending habits.
Find your first credit card
Enter your average spending and the calculator will rank and compare credit cards based on how much rewards they could earn you. Only want cash back cards? Don’t want annual fees? You can use our many customization options to fit your preferences.
Easily compare cards side-by-side
Credit cards are put side-by-side to offer the easiest comparison experience. Directly compare cash back, points, signup bonuses, perks and fees in a consistent format.
Calculate precisely your potential rewards
The algorithm ensures you get the most accurate value of all credit cards based on your spending. Even for complex cards with rotating categories, spending limits and bonuses minimum spend. And even for your customizable preferences.
Compute if card is worth the fee
The tool shows which card actually earns the most rewards when cash back, bonuses, perks and most importantly, fees, are added together. Based on your spending, know if you reach breakeven on the card.
How To Use the Compare Credit Cards Calculator
What is the goal of Compare Cards?
The Compare Cards tool compares multiple cards side-by-side. The results is specific to your monthly spending, but you can always find generic card information in the Insights section.
What are filters?
If you select “All” cards to compare, or multiple cards, you can use filters to narrow down the results. For example, the “No annual fee” filter will exclude any card with an annual fee. “Chase Only” will only show Chase cards. Filters are optional.
Should I include signup bonus?
By default, we include signup bonuses to get a holistic comparison. However, if you need to compare cards on the long run, you can toggle off signup bonuses to see the better cards once the signup period has passed.
Can I see the cashback rates per spending categories?
Yes! Click on the % button to see a full breakdown. And click on $ to see the corresponding dollar value.
Multiple values (”5% / 1%”) indicate that the money spent in this category gets different rates:
- – Based on thresholds (ex: Citi Custom Cash pays 5% cashback on the first $500, and 1% after)
- – Based on time period (ex: Discover Cashback pays 5% on Groceries for the first quarter of the year, and 1% after)
What are Insights?
Insight are general information about the cards.