Compare credit cards by real spending and perks, or explore debit and cash-card products without pretending they work the same way. MFA keeps credit rankings, debit economics and source terms separate.
Third-party editorial point valuations refresh automatically when this experience loads or returns after its cache is stale. Supported airline, hotel and major flexible-travel cards also check welcome offers and annual fees from official issuer pages on that refresh path. Welcome offers stay outside recurring-value rankings. If an issuer blocks a refresh, changes its page format, or an offer deadline passes, MFA suppresses stale numeric promotions and sends you to the official offer instead of guessing.
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Add your existing cards, see perks versus annual fees and build a best-card-by-category swipe map. No login is required until you choose to save the wallet.
Understand utilization, revolving APR, annual-fee break-even and payoff strategy before optimizing a few extra points or cashback dollars.
Reports, scoring factors and common myths
Read guide LearnCredit UtilizationReported balances, credit limits and why 30% is not magic
Read guide LearnAPR vs APYBorrowing cost compared with savings yield
Read guide LearnHow Credit Card Interest WorksAPR, revolving balances, grace periods and minimum payments
Read guide LearnIs a Credit Card Annual Fee Worth It?Run the rewards-and-benefits break-even math
Read guide LearnDebt Snowball vs AvalancheCompare payoff order using the same payment budget
Read guideEnter your own monthly spending. Cash-back cards use their cash percentage directly. Points cards multiply points earned by the valuation assumption shown below.
How should the full ranking value transferable points?
MFA always shows the best cash-back card and the best points/travel card separately below. This toggle only changes the combined ranking.
Conservative: cash-back cards use their direct cash percentage. Variable points are capped at 1.00¢ each and use a lower verified benchmark when that third-party benchmark is below 1.00¢.
Use airline tickets and airline-direct purchases. Brand-specific card multipliers only activate for the main airline selected below.
Use hotel spend. Brand-specific hotel-card multipliers only activate for the main hotel brand selected below.
Rental cars, cruises and other travel that is not airfare or a hotel. MFA does not assume portal-only bonuses.
Enter spending to see your ranking.
For example, dining means what you typically charge at restaurants in one month — not an annual total.
51 of 51 credit products
Selected perks use AND logic — every result must have all of them.
Popular to compare
Quick access to premium, travel and Costco favorites — including Amex Platinum.
Tap any card to add/remove it
Flexible travel rewards
Annual cost
$95
Rewards
1x–5x points
Point estimate
2.05¢
2.05¢ TPG October 2026 estimate
Value source ↗Current welcome offer
Offer may varyIssuer says offers may vary by applicant or application channel.
Issuer terms: Review due · last verified Sep 4, 2026 · ranking keeps the last verified catalog until source review + QA
Premium travel
Annual cost
$795
Rewards
1x–8x points
Point estimate
2.05¢
2.05¢ TPG October 2026 estimate
Value source ↗Current welcome offer
Offer may varyIssuer says offers may vary by applicant or application channel.
Lounge access included
Chase Sapphire Lounges by The Club
Issuer terms: Review due · last verified Sep 14, 2026 · ranking keeps the last verified catalog until source review + QA
Dining + U.S. supermarkets
Annual cost
$325
Rewards
1x–5x points
Point estimate
2.00¢
2.00¢ TPG October 2026 estimate
Value source ↗Verify current welcome offer
Needs verificationMFA's automated issuer-page check did not safely confirm a current numeric public offer. Open the official page before applying.
No unambiguous fee or current welcome offer parsed
Issuer terms: Review due · last verified Sep 4, 2026 · ranking keeps the last verified catalog until source review + QA
Premium travel benefits
Annual cost
$895
Rewards
1x–5x points
Point estimate
2.00¢
2.00¢ TPG October 2026 estimate
Value source ↗Verify current welcome offer
Needs verificationMFA's automated issuer-page check did not safely confirm a current numeric public offer. Open the official page before applying.
Issuer offers can change by application path or page format.
Lounge access included
Priority Pass Select
Issuer terms: Review due · last verified Sep 14, 2026 · ranking keeps the last verified catalog until source review + QA
U.S. supermarket cash back
Annual cost
$95
Rewards
1%–6% cash back
Cash math
% direct
Cash percentage used directly — e.g. 3% = $3 per $100 spent
Issuer terms: Review due · last verified Sep 4, 2026 · ranking keeps the last verified catalog until source review + QA
Everyday cash back with no annual fee
Annual cost
$0
Rewards
1%–3% cash back
Cash math
% direct
Cash percentage used directly — e.g. 3% = $3 per $100 spent
Issuer terms: Review due · last verified Sep 4, 2026 · ranking keeps the last verified catalog until source review + QA
Hilton rewards with no annual fee
Annual cost
$0
Rewards
3x–7x Hilton points
Point estimate
0.40¢
0.40¢ TPG October 2026 estimate
Value source ↗Current welcome offer
Offer may varyAmerican Express public offers can vary by applicant or application channel.
MFA only shows a numeric Amex welcome offer when the official page can verify one unambiguously.
Issuer terms: Review due · last verified Sep 3, 2026 · ranking keeps the last verified catalog until source review + QA
Premium travel with 2x base earning
Annual cost
$395
Rewards
2x–10x miles
Point estimate
1.85¢
1.85¢ TPG October 2026 estimate
Value source ↗Verify current welcome offer
Needs verificationMFA's automated issuer-page check did not safely confirm a current numeric public offer. Open the official page before applying.
Issuer offers can change by application path or page format.
Lounge access included
Capital One Lounges
Issuer terms: Review due · last verified Sep 4, 2026 · ranking keeps the last verified catalog until source review + QA
Flat-rate travel rewards
Annual cost
$95
Rewards
2x–5x miles
Point estimate
1.85¢
1.85¢ TPG October 2026 estimate
Value source ↗Current welcome offer
Issuer terms: Review due · last verified Sep 4, 2026 · ranking keeps the last verified catalog until source review + QA
One high-spend eligible category
Annual cost
$0
Rewards
1%–5% cash back
Cash math
% direct
Cash percentage used directly — e.g. 3% = $3 per $100 spent
Issuer terms: Review due · last verified Sep 4, 2026 · ranking keeps the last verified catalog until source review + QA
Broad 3x everyday categories
Annual cost
$95
Rewards
1x–3x+ points
Point estimate
1.90¢
1.90¢ TPG October 2026 estimate
Value source ↗Verify current welcome offer
Needs verificationMFA's automated issuer-page check did not safely confirm a current numeric public offer. Open the official page before applying.
No unambiguous fee or current welcome offer parsed
Issuer terms: Review due · last verified Sep 4, 2026 · ranking keeps the last verified catalog until source review + QA
Travel + dining with no annual fee
Annual cost
$0
Rewards
1x–3x points
Point estimate
1.75¢
1.75¢ TPG October 2026 estimate
Value source ↗Issuer terms: Review due · last verified Sep 4, 2026 · ranking keeps the last verified catalog until source review + QA
3% cash back across categories
Annual cost
$50
Rewards
3% cash back
Cash math
% direct
1.00¢ brokerage cash-back redemption
Value source ↗Issuer terms: Review due · last verified Sep 4, 2026 · ranking keeps the last verified catalog until source review + QA
Premium dining + travel
Annual cost
$695
Rewards
1%–10% cash back
Cash math
% direct
1.00¢ brokerage cash-back redemption
Value source ↗Issuer terms: Review due · last verified Sep 4, 2026 · ranking keeps the last verified catalog until source review + QA
Housing rewards with no annual fee
Annual cost
$0
Rewards
1x base; partner bonuses
Point estimate
2.20¢
2.20¢ TPG October 2026 estimate
Value source ↗Issuer terms: Review due · last verified Sep 4, 2026 · ranking keeps the last verified catalog until source review + QA
Dining or grocery + housing
Annual cost
$95
Rewards
1x–4x+ points
Point estimate
2.20¢
2.20¢ TPG October 2026 estimate
Value source ↗Issuer terms: Review due · last verified Sep 4, 2026 · ranking keeps the last verified catalog until source review + QA
2X everyday + housing + premium travel
Annual cost
$495
Rewards
2x base; partner bonuses
Point estimate
2.20¢
2.20¢ TPG October 2026 estimate
Value source ↗Issuer terms: Review due · last verified Sep 4, 2026 · ranking keeps the last verified catalog until source review + QA
Costco small-business spending
Annual cost
$65
Rewards
1%–5% cash back
Cash math
% direct
Cash percentage used directly — e.g. 3% = $3 per $100 spent
Issuer terms: Review due · last verified Sep 4, 2026 · ranking keeps the last verified catalog until source review + QA
Premium Citi travel + dining
Annual cost
$595
Rewards
1.5x–12x points
Point estimate
1.90¢
1.90¢ TPG October 2026 estimate
Value source ↗Verify current welcome offer
Needs verificationMFA's automated issuer-page check did not safely confirm a current numeric public offer. Open the official page before applying.
No unambiguous fee or current welcome offer parsed
Lounge access included
Priority Pass Select
Issuer terms: Review due · last verified Sep 14, 2026 · ranking keeps the last verified catalog until source review + QA
No-fee ThankYou points
Annual cost
$0
Rewards
1x–5x points
Point estimate
1.90¢
1.90¢ TPG October 2026 estimate
Value source ↗Issuer terms: Review due · last verified Sep 4, 2026 · ranking keeps the last verified catalog until source review + QA
Delta flyers who want checked-bag benefits
Annual cost
$150
Rewards
1x–2x SkyMiles
Point estimate
1.20¢
1.20¢ TPG October 2026 estimate
Value source ↗Current welcome offer
Offer may varyAmerican Express public offers can vary by applicant or application channel.
MFA only shows a numeric Amex welcome offer when the official page can verify one unambiguously.
Issuer terms: Review due · last verified Sep 3, 2026 · ranking keeps the last verified catalog until source review + QA
Delta companion certificate + status progress
Annual cost
$350
Rewards
1x–3x SkyMiles
Point estimate
1.20¢
1.20¢ TPG October 2026 estimate
Value source ↗Current welcome offer
Offer may varyAmerican Express public offers can vary by applicant or application channel.
MFA only shows a numeric Amex welcome offer when the official page can verify one unambiguously.
Issuer terms: Review due · last verified Sep 3, 2026 · ranking keeps the last verified catalog until source review + QA
Delta lounge access + premium status benefits
Annual cost
$650
Rewards
1x–3x SkyMiles
Point estimate
1.20¢
1.20¢ TPG October 2026 estimate
Value source ↗Current welcome offer
Offer may varyAmerican Express public offers can vary by applicant or application channel.
MFA only shows a numeric Amex welcome offer when the official page can verify one unambiguously.
Issuer terms: Review due · last verified Sep 3, 2026 · ranking keeps the last verified catalog until source review + QA
United checked bag + Club passes
Annual cost
$150
Rewards
1x–3x MileagePlus miles
Point estimate
1.20¢
1.20¢ TPG October 2026 estimate
Value source ↗Current welcome offer
Offer may varyAfter $3,000 in purchases in the first 3 months. Plus 10,000 bonus miles/points after adding an authorized user in the first 3 months.
Issuer says offers may vary by applicant or application channel.
Issuer terms: Review due · last verified Sep 3, 2026 · ranking keeps the last verified catalog until source review + QA
Frequent United flyers + travel credit
Annual cost
$350
Rewards
1x–4x MileagePlus miles
Point estimate
1.20¢
1.20¢ TPG October 2026 estimate
Value source ↗Current welcome offer
Offer may varyAfter $4,000 in purchases in the first 3 months. Plus 10,000 bonus miles/points after adding an authorized user in the first 3 months.
Issuer says offers may vary by applicant or application channel.
Issuer terms: Review due · last verified Sep 3, 2026 · ranking keeps the last verified catalog until source review + QA
American flyers with a modest annual fee
Annual cost
$99
Rewards
1x–2x AAdvantage miles
Point estimate
1.45¢
1.45¢ TPG October 2026 estimate
Value source ↗Verify current welcome offer
Needs verificationMFA's automated issuer-page check did not safely confirm a current numeric public offer. Open the official page before applying.
The numeric fallback is past MFA's seven-day offer review window, so it is no longer displayed as current.
Issuer terms: Review due · last verified Sep 3, 2026 · ranking keeps the last verified catalog until source review + QA
Admirals Club membership
Annual cost
$695
Rewards
1x–4x+ AAdvantage miles
Point estimate
1.45¢
1.45¢ TPG October 2026 estimate
Value source ↗Verify current welcome offer
Needs verificationMFA's automated issuer-page check did not safely confirm a current numeric public offer. Open the official page before applying.
The numeric fallback is past MFA's seven-day offer review window, so it is no longer displayed as current.
Issuer terms: Review due · last verified Sep 3, 2026 · ranking keeps the last verified catalog until source review + QA
Hilton Gold + strong everyday hotel points
Annual cost
$150
Rewards
3x–12x Hilton points
Point estimate
0.40¢
0.40¢ TPG October 2026 estimate
Value source ↗Current welcome offer
Offer may varyAmerican Express offers can change or vary by applicant/channel.
An earlier public offer ended July 29, 2026; MFA will not present that expired offer as current.
Issuer terms: Review due · last verified Sep 3, 2026 · ranking keeps the last verified catalog until source review + QA
Hilton Diamond + premium resort benefits
Annual cost
$550
Rewards
3x–14x Hilton points
Point estimate
0.40¢
0.40¢ TPG October 2026 estimate
Value source ↗Current welcome offer
Offer may varyAmerican Express offers can change or vary by applicant/channel.
An earlier public offer ended July 29, 2026; MFA will not present that expired offer as current.
Issuer terms: Review due · last verified Sep 3, 2026 · ranking keeps the last verified catalog until source review + QA
No-fee IHG rewards + fourth award night
Annual cost
$0
Rewards
2x–5x+ IHG points
Point estimate
0.60¢
0.60¢ TPG October 2026 estimate
Value source ↗Current welcome offer
Offer may varyAfter $2,000 in purchases in the first 3 months. Plus 10,000 bonus miles/points after adding an authorized user in the first 3 months.
Issuer says offers may vary by applicant or application channel.
Issuer terms: Review due · last verified Sep 3, 2026 · ranking keeps the last verified catalog until source review + QA
IHG free night + Platinum status
Annual cost
$150
Rewards
3x–10x+ IHG points
Point estimate
0.60¢
0.60¢ TPG October 2026 estimate
Value source ↗Current welcome offer
Offer may varyAfter $3,000 in purchases in the first 3 months.
Issuer says offers may vary by applicant or application channel.
Issuer terms: Review due · last verified Sep 3, 2026 · ranking keeps the last verified catalog until source review + QA
IHG stays, annual credits and elite-night benefits
Annual cost
$350
Rewards
3x–12x+ IHG points
Point estimate
0.60¢
0.60¢ TPG October 2026 estimate
Value source ↗Current welcome offer
Offer may varyAfter $5,000 in purchases in the first 3 months. Plus 10,000 bonus miles/points after adding an authorized user in the first 3 months.
Issuer says offers may vary by applicant or application channel.
Issuer terms: Verified Oct 22, 2026
No-fee Marriott status starter
Annual cost
$0
Rewards
1x–3x+ Marriott points
Point estimate
0.75¢
0.75¢ TPG October 2026 estimate
Value source ↗Current welcome offer
Offer may varyAfter $1,000 in purchases in the first 3 months.
Issuer says offers may vary by applicant or application channel.
Issuer terms: Review due · last verified Sep 3, 2026 · ranking keeps the last verified catalog until source review + QA
Marriott annual free night + 2x base
Annual cost
$95
Rewards
2x–6x+ Marriott points
Point estimate
0.75¢
0.75¢ TPG October 2026 estimate
Value source ↗Current welcome offer
Offer may varyAfter $3,000 in purchases in the first 3 months.
Issuer says offers may vary by applicant or application channel.
Issuer terms: Review due · last verified Sep 3, 2026 · ranking keeps the last verified catalog until source review + QA
Marriott frequent stays + higher status earning
Annual cost
$250
Rewards
2x–6x+ Marriott points
Point estimate
0.75¢
0.75¢ TPG October 2026 estimate
Value source ↗Current welcome offer
Offer may varyAfter $4,000 in purchases in the first 3 months.
Issuer says offers may vary by applicant or application channel.
Issuer terms: Review due · last verified Sep 3, 2026 · ranking keeps the last verified catalog until source review + QA
Hyatt points + annual free night
Annual cost
$95
Rewards
1x–4x Hyatt points
Point estimate
1.65¢
1.65¢ TPG October 2026 estimate
Value source ↗Current welcome offer
Offer may varyAfter $3,000 in purchases in the first 3 months.
Issuer says offers may vary by applicant or application channel.
Issuer terms: Review due · last verified Sep 12, 2026 · ranking keeps the last verified catalog until source review + QA
No-fee United miles
Annual cost
$0
Rewards
1x–2x MileagePlus miles
Point estimate
1.20¢
1.20¢ TPG October 2026 estimate
Value source ↗Current welcome offer
Offer may varyAfter $1,000 in purchases in the first 3 months. Plus 10,000 bonus miles/points after adding an authorized user in the first 3 months.
Issuer says offers may vary by applicant or application channel.
Issuer terms: Review due · last verified Sep 3, 2026 · ranking keeps the last verified catalog until source review + QA
United Club access + premium United perks
Annual cost
$695
Rewards
1x–4x MileagePlus miles
Point estimate
1.20¢
1.20¢ TPG October 2026 estimate
Value source ↗Current welcome offer
Offer may varyAfter $5,000 in purchases in the first 3 months. Plus 10,000 bonus miles/points after adding an authorized user in the first 3 months.
Issuer says offers may vary by applicant or application channel.
Issuer terms: Review due · last verified Sep 3, 2026 · ranking keeps the last verified catalog until source review + QA
No-fee AAdvantage miles
Annual cost
$0
Rewards
1x–2x AAdvantage miles
Point estimate
1.45¢
1.45¢ TPG October 2026 estimate
Value source ↗Verify current welcome offer
Needs verificationMFA's automated issuer-page check did not safely confirm a current numeric public offer. Open the official page before applying.
The numeric fallback is past MFA's seven-day offer review window, so it is no longer displayed as current.
Issuer terms: Review due · last verified Sep 3, 2026 · ranking keeps the last verified catalog until source review + QA
AA perks + Admirals Club passes
Annual cost
$350
Rewards
1x–6x AAdvantage miles
Point estimate
1.45¢
1.45¢ TPG October 2026 estimate
Value source ↗Verify current welcome offer
Needs verificationMFA's automated issuer-page check did not safely confirm a current numeric public offer. Open the official page before applying.
The numeric fallback is past MFA's seven-day offer review window, so it is no longer displayed as current.
Issuer terms: Review due · last verified Sep 3, 2026 · ranking keeps the last verified catalog until source review + QA
Marriott Platinum + premium annual free night
Annual cost
$650
Rewards
2x–6x Marriott Bonvoy points
Point estimate
0.75¢
0.75¢ TPG October 2026 estimate
Value source ↗Current welcome offer
Offer may varyAmerican Express public offers can vary by applicant or application channel.
MFA only shows a numeric Amex welcome offer when the official page can verify one unambiguously.
Issuer terms: Review due · last verified Sep 3, 2026 · ranking keeps the last verified catalog until source review + QA
Select 2–3 products above. The comparison uses the same spending and valuation mode for every product.
Tap Compare on any product above. You can choose up to three.
Issuer pages are the source for product terms and issuer-stated dollar benefits. Variable point valuations are clearly labeled as assumptions from a third-party editorial benchmark and can be changed. Welcome offers, APRs, perks, merchant coding and eligibility change frequently. MFA does not currently accept card affiliate compensation.