Credit Card Tune-Up
Find credit card rewards for your expenses
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Content Updated: 09/01/2015
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for card deals and news!

Advertiser Disclosure

Most of the card offers that appear on this site are from companies from which Credit Card Tune-Up receives a commission for new cardmembers (e.g. American Express, U.S. Bank, Simmons), though many offers are from companies with which there is no such partnership (e.g. Fidelity, Navy FCU, PenFed, Wells Fargo). However, these commissions do not impact how or where products appear on this site, including the order in which they appear. The Credit Card Tune-Up calculation engine does not include all card companies or all card offers available in the marketplace.

Overview

It can be daunting to choose reward credit cards that are right for you. Credit card companies offer dozens of competing cards and their reward structures for cashback, frequent flier miles, and points are a complex mix of categories, tiers, limits, and earning percentages.

The Credit Card Tune-Up calculator makes all of that easy. Just choose your filter criteria in the box on the right, plug in how much you spend each month, and press the Recalculate button. You'll then be presented with a list of the cards in our calculation engine sorted in descending order by the expected value of your first-year rewards minus any annual fee. All reward types -- miles, points, cashback -- are converted into dollars for an easy apples-to-apples comparison. You can hover over a calculated dollar amount to see any details about how points or miles are valued for that card. Note that these valuations are based on our research and not assigned by the card companies.

If having more than one of the credit cards in our database and using each card for its more-rewarding categories will earn you a greater annual reward, then those best combinations are shown in the columns labeled "Best N-Card Combo" (up to as many as "Best 3-Card Combo").

Usage Tips

  • Only the "Total you spend per month" amount is required, but entering your expenses by category can make a significant difference in possible rewards. Since there is no "Other" category, don't worry about having your category amounts add up to your total amount; the calculator figures out your "Other" spending for you.
  • To apply for credit cards or read the terms and conditions, just click on the card name link or "Apply Now" button. Applying for credit cards through our links helps support this web site.
  • For a detailed explanation of any credit card, category, or reward amount, hover your mouse pointer over that item.
  • To exclude a credit card from the "Best N-Card Combo" results (those with amounts highlighted in green), check its checkbox in the "Omit Card from Calc?" column and press the Recalculate button.
  What country do you live in?
  What type of credit card are you looking for?
  Total you spend per month:$
     Gas Stations:$     Restaurants:$
     Supermarkets:$     Drug Stores:$
     Department Stores:$     Utilities:$
     Cable, Internet, and Landline:$     Wireless Phone Services:$
     Airfare:$     Hotels:$
     Cruises, Tours, & Travel Agents:$     Vehicle Renters:$
     Book/Video/Music Stores, Movies:$     Computer & Electronics Stores:$
     Office Supply Stores:$     Courier, Postal, and Freight:$
Omit
Card
from
Calc?
Credit Card Name
(and link to card details and application)
First Year Reward Value
(minus annual fee)
Best 2-Card
Combo
Best 3-Card
Combo
See Details
and Apply for Card
Starwood Preferred Guest® Credit Card from American Express $1176.00$1020.00$924.00Apply Now
Citi ThankYou® Premier Card $1120.00Apply Now
Barclaycard Arrival Plus™ World Elite MasterCard® $1024.80Apply Now
Capital One® Venture® Rewards Credit Card $976.00Apply Now
U.S. Bank FlexPerks® Travel Rewards American Express® Card (with "grocery" as your variable 2X-FlexPoint category) $969.44Apply Now
U.S. Bank FlexPerks® Travel Rewards American Express® Card (with "gas" as your variable 2X-FlexPoint category) $939.56$258.96Apply Now
Chase Sapphire Preferred® Card $920.00Apply Now
U.S. Bank FlexPerks® Travel Rewards Visa Signature® card (with "gas" as your variable 2X-FlexPoint category) $918.19Apply Now
Citi Prestige® Card $911.88Apply Now
U.S. Bank FlexPerks® Travel Rewards Visa Signature® card (with "grocery" as your variable 2X-FlexPoint category) $889.76Apply Now
Discover it® Miles - Double Cash Back your first year $864.00Apply Now
British Airways Visa Signature® Card $788.00Apply Now
IHG® Rewards Club Select Credit Card $779.80Apply Now
Marriott Rewards® Premier Credit Card $767.00Apply Now
Discover it® - Double Cash Back your first year $732.00Apply Now
Citi® Hilton HHonors™ Visa Signature® Card $702.00Apply Now
The Amex EveryDay® Preferred Credit Card from American Express $676.00Apply Now
American Express® Premier Rewards Gold Card $664.00Apply Now
Blue Cash Preferred® Card from American Express $663.00$303.00$213.00Apply Now
U.S. Bank FlexPerks® Select+ American Express® Card $644.08Apply Now
BankAmericard Travel Rewards® Credit Card $632.00Apply Now
PenFed Platinum Rewards Visa Signature® Card $598.40Apply Now
Gold Delta SkyMiles® Credit Card from American Express $588.00Apply Now
United MileagePlus Explorer Card $588.00Apply Now
Citi® / AAdvantage® Platinum Select® MasterCard® $588.00Apply Now
Citi® Double Cash Card $576.00Apply Now
Fidelity® Investment Rewards American Express® Card $576.00Apply Now
Barclaycard Arrival™ World MasterCard® $562.80Apply Now
Capital One® VentureOne® Rewards Credit Card $560.00Apply Now
Citi® Hilton HHonors™ Reserve Card $537.00Apply Now
Citi ThankYou® Preferred $536.00Apply Now
Capital One® Quicksilver® Cash Rewards Credit Card $532.00Apply Now
Blue Cash Everyday® Card from American Express $514.00Apply Now
Chase Freedom® $514.00Apply Now
Southwest Airlines® Rapid Rewards® Premier Credit Card $508.94Apply Now
The Amex EveryDay® Credit Card from American Express $503.20Apply Now
Fidelity® Investment Rewards® Visa Signature® Card $501.00Apply Now
BankAmericard Cash Rewards™ Credit Card $496.00Apply Now
MLB® BankAmericard Cash Rewards™ MasterCard® Credit Card $496.00Apply Now
U.S. Bank Perks+ Visa Signature® Card $486.78Apply Now
Alaska Airlines Visa Signature® card $463.00Apply Now
BB&T Spectrum Rewards™ Credit Card $453.60Apply Now
USAA Cashback Rewards Plus American Express® Card $438.00Apply Now
USAA Preferred Cash Rewards® World MasterCard® $432.00Apply Now
Navy Federal Credit Union cashRewards $432.00Apply Now
Northrop Grumman Federal Credit Union MasterCard $432.00Apply Now
PenFed Premium Travel Rewards American Express® Card $414.80Apply Now
Fort Knox Federal Credit Union VISA Platinum Card $408.00Apply Now
Capital One® QuicksilverOne℠ Cash Rewards Credit Card $393.00Apply Now
USAA Rewards™ American Express® Card $391.00Apply Now
Upromise World MasterCard® $388.00Apply Now
Barclaycard® Rewards MasterCard® $366.00Apply Now
Fifth Third Cash Rewards Card $366.00Apply Now
SunTrust Cash Back Credit Card $366.00Apply Now
Dollar Bank Valued Customer Visa® $360.00Apply Now
USAA Rewards® World MasterCard® $313.00Apply Now
USAA Rewards™ Visa® Card $313.00Apply Now
Simmons Bank Visa® Platinum Rewards $288.00Apply Now
First National Bank American Express® Card $288.00Apply Now
First National Bank Discover® Card $288.00Apply Now
First National Bank Maximum Rewards® Visa® Card $288.00Apply Now
Union Bank American Express® Card $288.00Apply Now
USAA Cash Rewards® Visa® $282.50Apply Now
PenFed Visa® Platinum Cash Rewards Card $214.50Apply Now
Regions Visa® Platinum Credit Card $180.00Apply Now
Credit One Bank® Credit Card with Gas Rewards $-44.99Apply Now
Best First Year Reward Value (minus any annual fee)$1176.00$1323.00$1395.96
Best First Year Reward Percentage (of total spending)4.08%4.59%4.85%
Additional Reward Value for Using the Additional Card$147.00$72.96
Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.
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Content Updated: 09/01/2015

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