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 basic card for people who have below-average credit and/or don't care about rewards.

$0/yr

total value to you

Annual Fee

Early Spend Bonus

APR

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

Pros

  • No annual fee.
  • No foreign transaction fees.

Cons

  • No ongoing rewards.
  • No early spend bonus.
  • High APR.

Rewards & Perks

  • This credit card has no notable rewards.

Rates & Fees

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

Total savings over 5 years: $0

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.

$0/yr

total value to you

Annual Fee

Signup Bonus

APR

$0
 
$200 cash
(after 3 txns w/ new checking acct)
8.99-29.99%
 
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: $0

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.

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.