Credit Card Optimizer

Annual Rewards: Cash back or points value earned from your spending
Annual Credits: Statement credits that effectively lower the annual fee
Conditional Credits: Only counted if you meet minimum spending thresholds
Net Annual Value: Total value after subtracting fees and adding credits
Spending Caps: Maximum amounts where bonus rates apply

Find the best credit cards for your spending habits across 12 categories

Spending Period

Your Spending

Annual Fee Filter

Only show cards with $0 annual fee

Maximum Annual Fee: $895

$0$895