Credit Card Tune-Up
Find credit card rewards for your expenses
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Content Updated: 10/17/2021
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Advertiser Disclosure

Many 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. Barclays, American Express, etc.), though many offers are from companies with which there is no such partnership (e.g. Fort Knox FCU, Navy FCU, First National Bank, etc.). Partnership with Participation in these affiliate programs may impact the presentation of offers, but not the order in which they appear. Other factors, such as our own proprietary website rules (e.g. reward currency valuations) do impact how and where products appear on this site. The Credit Card Tune-Up calculation engine does not include the entire universe of available credit card offers.


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". (Note that when calculating card combination rewards our tool conservatively assumes you'll only earn any initial bonuses from one card in the combination, even though it may be possible to simultaneously earn bonuses from more than one of the cards in that set.)

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, you can click on the card name link or "Apply Now" button. Also, applying for credit cards through the category links above helps support this web site.
  • For a detailed explanation of any credit card, category, or reward amount, hover your mouse pointer over that item. Card detail bullets can also be toggled with the "Show Details" button.
  • 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:$
     Drug Stores:$     Wholesale Clubs:$
     Department Stores:$     Utilities:$
     Cable, Internet, and Landline:$     Wireless Phone (except Verizon):$
     Airfare:$     Hotels:$
     Cruises, Tours, & Travel Agents:$     Vehicle Renters:$
     Movie Theaters & Entertainment:$     Computer & Electronics Stores:$
     Office Supply Stores:$     Courier, Postal, and Freight:$
Credit Card Name
(and link to card details and application)
First Year Net Reward Value (minus annual fee) More Details
and Apply for Card
Show Details  Bank of America® Cash Rewards Credit Card for Students $618.00Apply Now
  • No annual fee
  • $150 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • New Offer: Maximize your cash back in the category of your choice: gas, online shopping, dining, travel, drug stores, or home improvement /furnishings
  • Now earn 3% cash back in your choice category and 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases), and unlimited 1% on all other purchases
  • You can update your choice category for future purchases once each calendar month using the Mobile banking app or Online banking, or do nothing and it stays the same.
  • No expiration on rewards
Show Details  Wells Fargo Cash Back College Visa® Card $444.00Apply Now
  • Get access to online tools and a mobile app that helps you keep track of your expenses.
  • Use your card responsibly and earn rewards with virtually every purchase.
  • Receive 3% cash rewards on gas, grocery, and drugstore net purchases for 6 months, 1% cash rewards on virtually all other net purchases everyday.
Show Details  Journey® Student Rewards from Capital One® $435.00Apply Now
  • Earn 1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that month
  • There's no limit to the amount of cash back you can earn, and rewards won't expire for the life of the account
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Pay no annual or foreign transaction fees
  • Fraud coverage if your card is lost or stolen
  • Pick the monthly due date that works best for you
Show Details  Citi ThankYou® Preferred Card for College Students $409.00Apply Now
  • Earn 2,500 bonus points after spending $500 in purchases within the first 3 months of account opening*
  • 2,500 ThankYou® Points are redeemable for $25 in gift cards, electronics and other great rewards when redeemed at
  • Earn 2X Points on Dining Out & Entertainment
  • Earn 1X Points on All Other Purchases
  • No expiration and no limit to the amount of points you can earn with this card
  • Travel with ease and enjoy global acceptance with Chip Technology
  • No annual fee*
Show Details  Deserve® Edu Mastercard for Students $348.00Apply Now
  • 1% unlimited cash back on All purchases
  • Deserve will pay for Amazon Prime Student, get free Video, Music, and Reading (Up to a life-time total of $49)
  • Up to a $5,000 credit line
  • $0 annual fee
  • No security deposit or co-signer required (No SSN required for international students)
  • Builds credit history
  • Use anywhere in the world where Mastercard is accepted with no foreign transaction fees
  • Mastercard Platinum Benefits like Price Protection, Travel Assistance, ID Theft Protection, Extended Warranty and Car Rental Collision Damage Waiver
Show Details  Justice FCU Student VISA Rewards Card $348.00Apply Now
  • Our Visa Student Rewards Card provides students ages 17-23 with an opportunity to take responsibility with their own credit card account and build and establish their credit history.
  • Earn Exceptional Rewards redeemable for travel, airfare, name-brand merchandise and more!
  • Credit limits of $250 - $10,000 with approval of parent or guardian's co-application
Best First Year Reward Value (minus any annual fee)$618.00
Best First Year Reward Percentage (of total spending)1.78%
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: 10/17/2021

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