Compare Credit Cards

• Our picks
• Compare Credit Card Offers
• Side-by-side comparison of popular credit cards
• How to compare credit cards: 6 tips
• How we picked the best credit cards to compare
• About the author
• Sources
• User questions & answers
• Expert opinions

WalletHub makes it easy to compare credit card offers based on factors ranging from credit requirements and fees to rewards and interest rates. WalletHub’s editors compare 1,500+ credit cards on a weekly basis to find the best deals in the most popular categories. You can find their current favorites listed below.

Just remember: It’s not finding the absolute best credit card that matters, but rather choosing the best credit card for your particular needs. And that starts 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

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.
 

• Compare Rewards Credit Cards: Earn cash back, points or miles on every purchase you make. Some offers even come with a sign-up bonus.
   
• Compare Travel Credit Cards: Travel credit cards reward you with points or miles when you make purchases, often giving extra on travel expenses.
   
• Compare Secured Credit Cards: Secured credit cards offer nearly guaranteed approval and are great for rebuilding bad credit at a low cost.
   
• 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.

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

1. 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.

2. 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.

3. 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.

4. 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.

5. 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.

6. 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.
    

Finally, it’s important to note that finding and getting approved for the right credit card is just the beginning. It’s a victory, to be sure, but if you want to keep it that way, you’ll need to spend within your means, pay your bill on time each month and maximize the value of any rewards or 0% rates that are available to you.

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.
 

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.

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.