Search For Cards Based On Spend

The best credit cards for others, may not be the best for you. Find cards that earn you the most rewards and the best return based on your spending habits.

Finding the best credit cards can be a challenge. There's lot of things you have to take into consideration such as the categories you spend in daily, the card benefits you enjoy most, and how you plan on redeeming your rewards. This page will help point you in the right direction if you're looking for the best credit cards by giving you a few of our top picks by category as well as providing a calculator which will give you a list of the best credit card options based on your spend.


Search For Cards Based On Spend

Use the Search For Cards By Spend tool to get a list of up to 10 credit cards that will give you the best return based on your spend. You can add categories, select the type of rewards you're looking to earn, and whether you're looking for a personal or business card. There's also advanced options in which you can adjust the spending duration (how many months out of the year you're going to use the card) and adjust the cash value of transferable rewards points from AMEX, Chase, Citi, and Capital One.

Add Categories
Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
Loading Categories...
Currently Selected:
Type of spend for the selected category.

Category Spend

Enter your spend per month, year, or quarter for the listed categories. You can then click Get The Best Cards to get the list of results.
Loading...

Type of Rewards

Select the type(s) of rewards you're looking to earn using rewards credit cards and we will grab the top-rated cards for that type. De-selecting all options will pull from all available credit cards available on the site.
Cash Back is one of the most flexible and easy-to-use currencies. It can be used towards just about anything.
Airline miles are great if you're looking to book free flights. They can be earned using co-branded airline credit cards or by using transfer partners.
Hotel rewards points can be used to book free nights at hotels. They can be earned using co-branded hotel credit cards or by using transfer partners.
There are many programs that flexible rewards that allow you to book a wide range of travel options. This can include booking travel directly through the bank's travel portal, transferring rewards to travel programs, or using earned rewards to wipe out travel purchases made to the card.
If you just want to earn some solid rewards on your spend, you'll do best with just a great card that fits your spending. These are cards that offer rewards that can be used for gift cards, travel, cash back, and statement credits as well as cards that offer rewards with specific retailers.

Personal or Business Card

Are you looking for a personal or business credit card?
These are your standard consumer credit cards that you use for your personal, everyday purchases.
If you want to earn rewards on your business spend, business credit cards are the way to go.
If you don't have a preference, why not display both?

Spend Duration

You can set the duration of the spend for the categories listed above. If you're looking for the best card for only n-months worth of spend, this is where you change the option. If you want to calculate based on a full year of spending, you can leave it set to a duration of '1 Year'.

Adjust Transferable Points

Some rewards programs allow you to transfer your earned points to airline, hotel, and other loyalty programs. These programs will generally have higher point values when doing such. Since these matter so much when choosing a credit card, you can enter your own point value for these programs to include in the calculations. You can set any of the currencies listed below to 0 to calculate based on the non-transfer value (in which most are 1 cent per point with the exception of Chase's 1.25/1.5 cent redemptions). The values listed are the easiest to obtain via point transfers (mostly to airlines), but you can get upwards of 2 cents or more transferring to some partners. You can click on the to learn more about the value of the currency (opens in a new tab/window).
Depending on what you're calculating, all programs listed below may not be featured in the results.

Results

Note: Results may take a few seconds to generate after doing a search. The results and values listed are estimates to help guide you towards making the best decision. They are for illustrative purposes only.
Results Will Appear Here

Best Card Picks By Category

If you're looking for a full list of the best credit cards by category, check out the partner links below. Get all the important details before you apply such as rates & fees, current sign-up and welcome bonuses, top card highlights, reviews, and much more.


Unsure of what type of rewards card you're looking for? Use CardMatch™ to get matched with offers, which may include special and/or qualified offers, on cards you're more likely to qualify for. You never know what great offers you might receive!

Support The Site

If you find the site helpful, the best you can do is share this site with friends and family. Of course... you can share it with total strangers as well. Anything helps!

You can help support this site by using our Amazon link. Any qualifying purchase you make through our link will earn us some money and it is greatly appreciated if you do.

🇺🇸 US🇨🇦 CA🇬🇧 UK🇦🇺 AU