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How the Credit Card Finder Works
Set your goals
Choose what matters most — cash back, travel rewards, building credit, or transferring a balance.
Enter your spending
Estimate monthly spending on dining, groceries, gas, travel, online shopping, and more.
Share your credit profile
Select your credit score range and whether you carry a balance month-to-month.
Add existing cards
Tell us what cards you already have so we find complementary options.
Get personalized results
See scored recommendations with estimated annual value, signup bonuses, and card combos.
Credit Cards We Compare
Best Cash Back Cards
Flat-rate, rotating category, and tiered cash back cards from every major issuer.
e.g. Citi Double Cash, Chase Freedom Flex, Amex Blue Cash Preferred
Best Travel Cards
Points and miles cards with airline and hotel transfer partners for maximum travel value.
e.g. Chase Sapphire Reserve, Amex Gold, Capital One Venture X
Best No Annual Fee
Top rewards cards that cost nothing to hold — great for everyday spending.
e.g. Chase Freedom Unlimited, Capital One SavorOne, Citi Custom Cash
Best for Building Credit
Secured cards and starter cards designed to help establish or rebuild credit history.
e.g. Discover it Secured, Capital One Platinum Secured
Best Balance Transfer
0% intro APR offers to help consolidate debt and save on interest charges.
e.g. Citi Simplicity, Wells Fargo Reflect, BankAmericard
Best Premium Cards
High-value cards with lounge access, travel credits, concierge, and premium perks.
e.g. Amex Platinum, Chase Sapphire Reserve, Capital One Venture X
Frequently Asked Questions
- What credit card should I get?
- The best credit card depends on your spending habits, credit score, and goals. Our free quiz analyzes your spending across categories like dining, groceries, travel, and gas to find cards that maximize your rewards. It takes about 2 minutes and no signup is required.
- How do I choose the best credit card?
- Consider four key factors: (1) where you spend the most money (dining, groceries, travel, gas), (2) your credit score range, (3) whether you want cash back, points, or miles, and (4) whether you're willing to pay an annual fee for premium benefits. Our quiz weighs all of these to give you a personalized recommendation.
- What is the best cash back credit card?
- It depends on your spending. For flat everyday cash back, cards like the Citi Double Cash (2% on everything) work well. For category spending, cards like Chase Freedom Flex (5% rotating categories) or Amex Blue Cash Preferred (6% on groceries) offer higher returns in specific areas.
- What credit card is best for travel?
- Top travel cards include Chase Sapphire Preferred (great for beginners with a $95 fee), Chase Sapphire Reserve (premium benefits), Amex Gold (best for dining and flights), and Capital One Venture X (simple earning with lounge access). The best choice depends on your travel style and how much you spend on travel.
- Do I need good credit for a rewards card?
- Most premium rewards cards require good to excellent credit (700+). However, several options exist for fair credit (650-699) like Capital One Quicksilver, and secured cards like Discover it Secured help you build credit while still earning rewards.
- How does the card recommendation algorithm work?
- Our algorithm scores each card based on your spending patterns, credit score, goals, and existing cards. It calculates the actual dollar value you'd earn from rewards in each spending category, factors in annual fees and signup bonuses, and ranks cards by net annual value. It also finds optimal card combos for maximum coverage.
- Is this tool really free? What's the catch?
- Yes, completely free with no signup required. We may earn a commission if you apply for a card through our links, but this never affects our recommendations — cards are ranked purely by how well they match your spending profile.
Cards from Every Major Issuer
We compare 55+ cards across all major credit card issuers to find the best match for your spending.
Free, 2 minutes, no signup required