Tool
Credit Card Optimization Tool
Every card we cover, filterable by category, issuer and annual fee, with the benefits and earning rates we were able to verify for each one.
Estimates, not cash. Points and miles have no fixed cash value. Everything this tool produces is arithmetic on the numbers you type and the assumptions listed below them. It is not a quote, not a valuation and not financial advice.
Assumptions and limitations
- Built from the same data file as the card reviews, so the two cannot disagree.
- Cards whose earning rates we could not verify show no rates. That is a gap in our research, not a statement that the card earns nothing.
- Annual fees shown as 'Not verified' mean the issuer's page would not render the figure during our last check. Confirm before applying.
- Filtering to 'open to new applicants' hides cards that are closed, discontinued or renamed. Those pages still exist in the directory, because the names are still in circulation elsewhere.
- This tool compares published terms. It does not know your credit profile, your application history, or whether you would be approved.