Compare Credit Cards
WalletHub makes it easy to compare credit card offers.
Compare credit cards from all the major credit card companies and quickly find the best credit card for your needs. To use WalletHub’s free credit card comparison tool, start by applying the filters on this pa... show more... show more
COMPARE CREDIT CARDS
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- No annual fee
- $200 initial rewards bonus
- Above-average regular APR
- 20,000 miles initial bonus
- Unlimited 1.25 miles per $1 on every purchase
- Miles are redeemable for any travel-related expense on your bill
- 0% intro APRs
- No annual fee
- Balance transfer fee
- Potential for a very high regular APR
- Offers 2% cash back
- $0 annual fee
- $200 initial rewards bonus
- Low intro APR on balance transfers
- 3% foreign transaction fee
- High regular APR
- No membership fees
- 0% intro APR on purchases
- 0% intro APR on qualifying balance transfers
- Reports to the three major credit bureaus
- No rewards
- No initial rewards bonus
- Balance transfer fee
- High regular APR
- 0% intro APR for 12 months on purchases
- 0% intro APR for 21 months on balance transfers
- $0 annual fee
- 5% (min $5) balance transfer fee
- Foreign transaction fee
- High regular APR
- No rewards
- Low membership fees
- Qualify with limited or no credit history
- High regular APR
- Foreign fee
- No membership fees
- Intro APR on purchases
- Intro APR on balance transfers
- High rewards rate
- Spending caps on rewards
- No initial rewards bonus
- Balance transfer fee
- No membership fees
- 0% intro APR on balance transfers
- No rewards
- No initial rewards bonus
- No intro APR on purchases
- Balance transfer fee
- Earn a $200 initial bonus
- High rewards rate
- $0 annual fee
- 0% intro APR on purchases and balance transfers
- High regular APR
- Balance transfer fee
- Requires good/excellent credit
- Earn a $200 initial bonus
- 1.5% cash back on all purchases
- No annual fee
- 0% intro APR on purchases and balance transfers
- Potential for a very high interest rate
- Balance transfer fee
- Requires good/excellent credit
Our picks
Just remember that choosing the best credit card for your specific needs is what really matters, not finding the best credit card overall. And finding the right card for you begins with selecting an offer you can get approved for. So make sure to check your latest credit score when comparing credit cards.
Popular Choices for Credit Card Comparison
| Card Name | Best For | Editor's Rating | Annual Fee |
| Capital One Platinum Credit Card (see Rates & Fees) | New to Credit | 5/5 | $0 |
| Discover it® Secured Credit Card | Rebuilding Credit | 5/5 | $0 |
| Chase Sapphire Preferred® Card | Initial Bonus | 5/5 | $95 |
| Wells Fargo Reflect® Card | Balance Transfers | 4.8/5 | $0 |
| Wells Fargo Active Cash® Card | Cash Rewards | 4.9/5 | $0 |
| Capital One Savor Student Cash Rewards Credit Card (see Rates & Fees) | Students | 4.7/5 | $0 |
Finding the right credit card for your needs can be difficult, even with more than 1,500 offers distilled into the short list above. With that in mind, we’ve put together some credit card comparison tips that should always help lead you to the proper plastic.
Credit Card Comparison by Category
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Compare Rewards Credit Cards: Earn cash back, points or miles on every purchase you make. Some offers even come with a sign-up bonus.
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Compare Travel Credit Cards: Travel credit cards reward you with points or miles when you make purchases, often giving extra on travel expenses.
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Compare Secured Credit Cards: Secured credit cards offer nearly guaranteed approval and are great for rebuilding bad credit at a low cost.
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Compare Student Credit Cards: Students credit cards tend to be better than other credit cards for people with no credit.
- Compare Business Credit Cards: Small business credit cards tend to offer great rewards, high limits and helpful expense-tracking tools.
Side-by-Side Comparison of Popular Credit Cards
WalletHub’s credit card comparisons put popular pairs of credit card offers to the test in order to determine which cards are best for different types of users. Below, you’ll find a list of notable comparisons, which will hopefully help lead you to the right offer.
- Amex EveryDay vs. Blue Cash Everyday
- Amex Gold vs. Platinum
- Citi Double Cash vs. Capital One Quicksilver
- Capital One Quicksilver vs. QuicksilverOne
- Capital One VentureOne vs. Quicksilver
- Chase Freedom Unlimited vs Chase Sapphire Preferred
- Chase Sapphire Preferred vs. Capital One Venture
- Discover it® Cash Back vs. Discover it® Chrome
How to compare credit cards
The key to comparing credit cards is to consider as many different credit card offers as possible, as this will increase your chances of finding the best card for your needs. A lot of credit card comparison websites actually provide very limited options, unlike WalletHub, which tracks 1,500+ offers. Below, you can see exactly how to sort through all the offers and whittle the list down to the right card for you.
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Check your credit score
Knowing exactly where you stand will enable you to focus your credit card comparison efforts on a particular tier of offers. This makes the process more manageable and minimizes your risk of getting rejected. You can check your credit score for free here on WalletHub.
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Figure out whether interest is an issue
The basic rule of thumb is that you should focus on rewards if you always pay your bill in full and 0% intro rates if you don’t. Trying to earn rewards while carrying a balance on the same card isn’t wise, as interest will eat away at what you earn. That’s why we recommend using the Island Approach to satisfy multiple needs. For example, using a rewards card for everyday expenses that you can pay for in full by the end of the month and a 0% balance transfer card to reduce the cost of existing debt.
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Decide which features are most important
There is no such thing as a perfect credit card. In other words, you won’t find a single offer with the best rewards, the lowest interest rates and the cheapest fees. That means you’ll have to choose. So make a list of the features you want most. Then compare cards based on that list. This will help you avoid getting distracted by flashy features you might never even use. Below are some of the main features to evaluate when comparing credit cards.
• Annual Fee
• Rewards
• Annual Percentage Rate (APR)
• Promotional Financing
• Credit Requirement
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Make sure you have the latest terms
Credit card offers change on a regular basis. So it’s important to confirm that you have the correct fees, APRs, rewards rates, etc., when you do your credit card comparison.
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Don’t apply for multiple cards at once
Numerous credit card applications within a short period of time can lead to credit score damage. So this strategy is likely to work against you, rather than ensuring approval for at least one card.
Instead, apply for a card that’s suitable for your credit standing. And if you don’t get approved, adjust your sights a bit lower. If you have limited or bad credit, you may just want to place a deposit on a secured credit card at this point.
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Be realistic
Don’t apply for an offer you have little chance of getting given your credit standing. Don’t apply for a travel rewards card if you haven’t taken a trip in years. And don’t put too much stock in rewards bonuses if you’re unlikely to satisfy their requirements (e.g. spending a certain amount within the first few months of account opening or signing up for bonus earning rates each quarter).
These are just a few examples of how being realistic now can wind up saving you big time later.
You can easily monitor your progress by signing up for a free WalletHub account. This will give you free credit scores and reports, updated daily, as well as 24/7 credit monitoring and personalized money-saving advice.
How we picked the best credit cards to compare
To identify the best credit cards for people to compare, WalletHub’s editors themselves compare more than 1,500 credit card offers on a regular basis and select the top options in the most popular usage categories. WalletHub’s comparison focuses on finding the cards capable of saving different types of users the most money possible. The specific criteria used to measure potential savings differ from category to category, though.
For example, it’s most important to compare annual fees, rewards and approval requirements when evaluating secured credit cards, while introductory and regular APRs are crucial to comparing credit cards for financing purposes. In addition, comparing expected rewards earnings minus membership fees will lead to you the best rewards cards.
In order to ensure that these selections stay up to date, WalletHub’s editors repeat this comparison process regularly.
About the author
John S Kiernan
Sources
WalletHub actively maintains a database of 1,500+ credit card offers, from which we select the best credit cards to compare for different applicants as well as derive market-wide takeaways and trends. The underlying data is compiled from credit card company websites or provided directly by the credit card issuers. We also leverage data from the Bureau of Labor Statistics to develop cardholder profiles, used to estimate cards’ potential savings.
Compare Credit Cards FAQ
Comparing credit cards can be tough. But you’ve got the knowledgeable WalletHub community on your side. We encourage everyone to share their knowledge while respecting our content guidelines. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not the financial institution’s responsibility to ensure all posts and questions are answered. WalletHub independently collected information for some of the cards on this page.show more
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What is one website you can use to compare credit card offers? Reply
WalletHub is a website you can use to compare credit card offers to find the best card for you. You can browse more than 1,500 credit card offers and compare them side-by-side based on things like your credit level, the type of rewards or financing you’re looking for, what fees you’re willing to pay and more.
How to Compare Credit Cards on WalletHub
- Go to WalletHub’s credit card comparison page.
- Use the first filter to indicate whether you want to look at personal, business or student cards.
- Use the second filter to narrow down the offers based on your credit rating. If you don’t know your credit score, you can check it for free on WalletHub.
- Use the third filter to select which card features you want. The options include an intro 0% APR on purchases, 0% on balance transfers, low regular APR, no annual fee, and rewards.
- Use the fourth filter to narrow down your card choices even further based on features like the card network, balance transfer fee, foreign transaction fee, security deposit, issuer and more.
- Browse the remaining cards after setting your filters.
- Click the “Compare” box at the bottom right of 2-7 individual offers that you want to compare in more detail.
- Click the blue “Compare” button at the bottom of your screen. You’ll then see all of the cards side by side, with their terms and features directly compared to each other.
While comparing credit cards on WalletHub, you may also want to check out our picks for the best overall credit cards, as well as join WalletHub for free to receive personalized credit card recommendations.
How do you compare credit cards? Reply
The best way to compare credit cards is to focus on a few key features and determine which cards provide the best deals in those areas. You should also check your credit score early in the process, so you can exclude cards you’re unlikely to qualify for from your comparison.
There are more than 1,500 credit card offers available right now, and you won’t be able to effectively compare your options until you have a shorter list...
How do I compare credit cards with low or 0% interest? Reply
When comparing credit cards with low or 0% interest rates, it’s important to know both your credit score and how much you can afford to pay toward your debt each month. This will make it a lot easier to tell which low interest credit cards might be available to you and then compare them based on how much each is likely to cost you by the time you pay off your balance.
It’s hard to tell...
What are 3 ways to compare credit cards? Reply
Three ways to compare credit cards are by their approval requirements, their cost, and their rewards value. By comparing the money-saving features and costs associated with cards you have a realistic chance of getting approved for, you can maximize your chances of getting the best deal.
There are hundreds of credit card offers to choose from. Whichever strategies you use to compare them, credit card comparison websites such as WalletHub can help make it easier to...
How many credit cards is too many? Reply
Too many credit cards for most people could be six or more, given that the average American has a total of five credit cards. Everyone should have at least one credit card for credit-building purposes, even if they don’t use it to make purchases, but the exact number of cards you should have differs by person. It depends on how well you can manage one credit card, then two, and so on.
If you’re not sure how many credit cards is too many for...
What is the best home improvement credit card? Reply
The best home improvement credit card is the Wells Fargo Active Cash® Card because it offers an introductory purchase APR of 0% for 12 months from account opening and gives unlimited 2% cash rewards on purchases. Wells Fargo Active Cash also gives you $200 cash rewards after spending $500 on purchases in the first 3 months. The card has a regular APR of 19.24% - 29.24% Variable and a $0 annual fee.
By using this card for home improvements, you’ll have over a year to pay off a costly project and will recoup some of the expense through rewards.
Best Home Improvement Credit Cards
...
Does applying for a credit card hurt your credit score? Reply
Applying for a credit card does hurt your credit score, but your score should only drop a few points and rebound within 3-6 months if you use your credit card responsibly. The longest the hard inquiry from a credit card application can affect your score is 12 months. After that point, it will still be visible on your credit report for another year but will have no influence on your score.
Pretty much any time...
What are the best credit cards?
The best credit cards can save you $300 to $650+ per year compared to the average offer, thanks to uniquely valuable rewards, low rates and fees, and various special features. The key to finding the best credit card for you is to determine which features you value most, then compare offers in search of the best deal.
We identified 2025's best credit cards by comparing more than 1,500 cards using WalletHub's proprietary 100-point credit card rating system. Below, you can learn more about 2025's best credit card offers, which feature big initial bonuses, rich ongoing rewards and 0% intro rates.
- Wells Fargo Active Cash® Card: Best Overall
- Chase Sapphire Preferred® Card: Best for Travel
- U.S. Bank Shield™ Visa® Card: Best for 0% Intro APR
- Discover it® Secured Credit Card: Best for Bad Credit
- Citi Double Cash® Card: Best for Fair Credit
- Petal® 2 Visa® Credit Card: Best for No Credit
- Chase Freedom Unlimited®: Best for Low APR & Rewards
- Citi Strata Premier℠ Card: Best Initial Bonus
- Blue Cash Preferred® Card from American Express: Best for Gas & Groceries
- Capital One Savor Cash Rewards Credit Card: Best for Dining & Entertainment
- Capital One Savor Student Cash Rewards Credit Card: Best for Students
- Capital One Spark Cash Plus: Best for Business
WalletHub's best credit card picks and ratings are completely independent and not provided, commissioned, or endorsed by any issuer. In addition, our editors follow a strict editorial policy. Some offers may come from WalletHub's advertising partners. WalletHub independently collected information for some of the cards on this page.
What are tier 1 credit cards? Reply
Tier 1 credit cards are credit cards designed for people with excellent credit scores (750 and above). Credit card issuers sometimes categorize applicants into tiers based on their creditworthiness, with Tier 1 being the highest.
People with Tier 1 credit generally get the best terms, such as lower interest rates and higher credit limits. Tier 1 credit cards also offer access to premium rewards and exclusive travel perks.
Popular Credit Cards for People with Tier...
What is the most widely accepted credit card? Reply
Visa and Mastercard are the most widely accepted credit cards, as both types can be used at 100+ million locations in 200+ countries and territories. Mastercard is accepted in more countries than Visa, yet roughly 20 million more merchants worldwide take Visa. Both have a claim to the title of most widely accepted credit card as a result. Visa is also the most widely used type of credit card.
There isn’t a single credit...
Featured Credit Cards
Expert Opinions
- Do you have any good tips for comparing credit cards?
- What is the biggest mistake that people make when comparing credit cards?
- Do you think credit card companies try to make it harder for consumers to compare credit card offers?
- What impact do you think credit card comparison websites have had on the credit card market?
Ph.D., Associate Professor of Marketing, San Diego State University, Fowler College of Business
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Economics with Financial Literacy Educator, USF Tampa's Gus A. Stavros Center for Free Enterprise and Economic Education
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Assistant Professor of Finance, University of Minnesota, Carlson School of Management
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CPA, CVA, CFF, CFP®, Accounting Faculty, Muma College of Business, University of South Florida Sarasota-Manatee, Lynn Pippinger School of Accounting
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Ph.D., Associate Dean & Professor of Psychology, School of Education, Health and Human Behavior, Southern Illinois University Edwardsville
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Associate Head, School of Mathematics and Statistics, Rochester Institute of Technology
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Important Disclosures
Ad Disclosure Certain offers that appear on this site originate from paying advertisers. For full transparency, here is a list of our current advertisers.
Advertising impacts how and where offers appear on this site (including, for example, the order in which they appear and their prevalence). At WalletHub, we try to list as many credit card offers as possible and currently have more than 1,500 offers, but we do not list all available offers or financial service companies.
Advertising enables WalletHub to provide you proprietary tools, services, and content at no charge. Advertising does not impact WalletHub's editorial content including our best credit card picks, reviews, ratings and opinions. Those are completely independent and not provided, commissioned, or endorsed by any issuer, as our editors follow a strict editorial policy.
WalletHub is not a financial advisor. Our goal is to provide you with top-notch content, data, and tools. You are responsible for deciding what financial products and providers are best for your needs.
Irrespective of whether an institution or professional is a paid advertiser, the presence of information on WalletHub does not constitute a referral or endorsement of the institution or professional by us or vice versa.
We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. Actual terms may vary. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
* The information about the following cards has been independently collected by WalletHub: Petal® 2 Visa® Credit Card, U.S. Bank Shield™ Visa® Card, Home Depot® Credit Card, Lowe's Store Card, Bank of America® Premium Rewards® credit card, U.S. Bank Altitude® Connect Visa Signature® Card, and Fifth Third 1% Cash/Back Card.
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