Credit Card Tune-Up
Find the best credit card rewards for you
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Content Updated: 07/29/2014
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Overview

It can be daunting to find, compare, and then apply for the best reward credit cards. Credit card issuers offer dozens of competing cards and their reward structures for cashback, frequent flier miles, and points are a complex mix of tiers, limits, categories, and earning percentages.

The Credit Card Tune-Up calculator makes all of that easy. Just plug in how much you spend each month in the box on the right, press the Recalculate button, and you'll be presented with a list of recommended cards sorted from best to worst by your expected first-year annual reward (minus any annual card fee). All reward types (i.e. miles, points, cashback) are converted into dollars for an easy apples-to-apples comparison.

If having more than one credit card and using each card for its strengths will earn you a greater annual reward, then those best combinations are shown in the columns labeled "Best N-Card Combo". As long as using another card will earn you even more rewards, the calculator will keep looking for you all the way up to "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® $1189.92$1103.34$1043.40Apply Now
Starwood Preferred Guest® Credit Card from American Express $1172.00Apply Now
Capital One® Venture℠ Rewards Credit Card $1072.00Apply Now
Chase Sapphire Preferred® Card $995.00Apply Now
The Travelocity® Rewards American Express® Card $872.00Apply Now
The Hawaiian Airlines® World Elite MasterCard® $847.00Apply Now
Citi ThankYou® Premier Card $820.00Apply Now
Barclaycard Arrival™ World MasterCard® $661.76Apply Now
The US Airways® Premier World MasterCard® $647.00Apply Now
Harley-Davidson® Visa® Credit Card $644.00Apply Now
Gold Delta SkyMiles® Credit Card from American Express $636.00Apply Now
United MileagePlus Explorer Card $636.00Apply Now
Citi® Platinum Select® / AAdvantage® World MasterCard® $636.00Apply Now
American Express® Premier Rewards Gold Card $634.00Apply Now
Capital One® VentureOne℠ Rewards Credit Card $620.00Apply Now
U.S. Bank FlexPerks® Travel Rewards Visa Signature® card $619.00Apply Now
Citi® Hilton HHonors™ Reserve Card $609.00Apply Now
BankAmericard Travel Rewards™ Credit Card $604.00Apply Now
Capital One® Quicksilver® Cash Rewards Credit Card $604.00Apply Now
The Choice Privileges® Visa® Card $601.60Apply Now
Chase Freedom® $592.00$195.00$195.00Apply Now
AeroMexico Visa Signature® Card $584.00Apply Now
Citi® Hilton HHonors™ Visa Signature® Card $560.00Apply Now
Blue Sky from American Express® $546.88Apply Now
LANPASS Visa Signature® Card $536.00Apply Now
LifeMiles Visa Signature® Card $536.00Apply Now
BankAmericard Cash Rewards™ Credit Card $532.00Apply Now
Blue Cash Preferred® Card from American Express $507.00Apply Now
Chase Sapphire® Card $496.00Apply Now
Southwest Airlines® Rapid Rewards® Premier Credit Card $487.00Apply Now
SKYPASS Visa® Signature Credit Card $486.00Apply Now
Blue Cash Everyday® Card from American Express $484.00Apply Now
TrueEarnings® Card from Costco and American Express $476.00Apply Now
Capital One® QuicksilverOne℠ Cash Rewards Credit Card $465.00Apply Now
Miles & More® Premier World MasterCard® $457.00Apply Now
Discover it® $444.00$135.00Apply Now
NFL Extra Points Credit Card $436.00Apply Now
Priceline Rewards™ Visa® Credit Card $436.00Apply Now
Discover it® chrome $416.00Apply Now
USAA Rewards™ American Express® Card $409.00Apply Now
Citi® Dividend Platinum Select® Visa® Card $400.00Apply Now
The Wyndham Rewards® Visa Signature® Card $396.00Apply Now
The Carnival™ MasterCard® $386.00Apply Now
Barclaycard® Rewards MasterCard® - Average Credit $384.00Apply Now
Ace Rewards® Visa Card $384.00Apply Now
USAA Cash Rewards® American Express® Card $384.00Apply Now
Barnes & Noble MasterCard® $361.00Apply Now
Williams-Sonoma Visa® Signature Card $361.00Apply Now
USAA Rewards Visa® Card $361.00Apply Now
USAA Cash Rewards® Visa® Card $336.00Apply Now
Simmons First Visa® Platinum Rewards Card$336.00Apply Now
The Platinum Card® from American Express $286.00Apply Now
Best First Year Reward Value (minus any annual fees)$1189.92$1298.34$1373.40
Best First Year Reward Percentage (of total spending)3.54%3.86%4.09%
Incremental Reward for Having the Additional Card$108.42$75.06
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Content Updated: 07/29/2014

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