Credit Card Tune-Up
Find credit card rewards for your spending
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Content Updated: 10/20/2014
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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. Discover, Barclays, Simmons), though several offers are from companies with which there is no such partnership (e.g. Fidelity, PenFed, Navy FCU). 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" field is required, but entering your spend by category can make a difference of hundreds and sometimes even thousands of dollars. Since there is no "Other" category, don't worry about having your category spends add up to your total spend; 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 help support this web site at no cost to you.
  • For a detailed explanation of any credit card, category, or reward amount, hover your 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?" 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?
Credit Card Name
(and link to card details and application)
First Year Reward Value
(minus any annual fee)
Best 2-Card
Combo
Best 3-Card
Combo
See Details
and Apply for Card
Barclaycard Arrival Plus™ World Elite MasterCard® $1179.20$1073.60$1040.60Apply Now
Miles & More® Premier World MasterCard® $1057.00Apply Now
The Travelocity® Rewards American Express® Card $872.00Apply Now
The Hawaiian Airlines® World Elite MasterCard® $847.00Apply Now
PenFed Platinum Rewards Visa Signature® Card $700.40Apply Now
Fidelity® Investment Rewards American Express® Card $672.00Apply Now
Barclaycard Arrival™ World MasterCard® $655.60Apply Now
The US Airways® Premier World MasterCard® $647.00Apply Now
The Choice Privileges® Visa® Card $601.60Apply Now
Fidelity® Investment Rewards® Visa Signature® Card $597.00Apply Now
U.S. Bank FlexPerks® Travel Rewards Visa Signature® card $536.00Apply Now
Fort Knox Federal Credit Union VISA Platinum Card $528.00$240.00$180.00Apply Now
Navy Federal Credit Union cashRewards $504.00Apply Now
Northrop Grumman Federal Credit Union MasterCard $504.00Apply Now
SKYPASS Visa® Signature Credit Card $486.00Apply Now
USAA Rewards™ American Express® Card $457.00Apply Now
PenFed Premium Travel Rewards American Express® Card $455.60Apply Now
Webster Bank Visa Signature® Credit Card $445.00Apply Now
Discover it® $444.00$135.00Apply Now
NFL Extra Points Credit Card $436.00Apply Now
Priceline Rewards™ Visa® Credit Card $436.00Apply Now
Barclaycard® Rewards MasterCard® - Average Credit $432.00Apply Now
The Wyndham Rewards® Visa Signature® Card $396.00Apply Now
The Carnival™ MasterCard® $386.00Apply Now
USAA Rewards Visa® Card $361.00Apply Now
USAA Cash Rewards® Visa® Card $342.50Apply Now
Simmons Bank Visa® PlatinumRewards $336.00Apply Now
PenFed Visa® Platinum Cash Rewards Card $312.00Apply Now
Credit One Bank® Credit Card with Gas Rewards $-26.99Apply Now
Best First Year Reward Value (minus any annual fee)$1179.20$1313.60$1355.60
Best First Year Reward Percentage (of total spending)3.51%3.91%4.03%
Additional Reward Value for Having the Additional Card$134.40$42.00
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: 10/20/2014

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