Compare Credit Cards by Credit Score, Fees, and Rewards

Compare all credit cards

Finder’s credit card team spends hundreds of hours researching 500+ credit cards to find the ones with exceptional value. When choosing a credit card, look for the benefits and features that best fit your financial needs, whether that’s a 0% intro APR period, generous rewards, a strong signup bonus or a lengthy balance transfer offer. Our unbiased reviews and guides can help you choose a card that’s right for you.

Use our credit card comparison tool to narrow down a selection of cards that meet your needs, the benefits you want and the cards you’re most likely to qualify for.

{"userFilters":[{"config":{"MULTISELECT":true,"VALUES":"Business,Secured,Student"},"dataSelector":{"recordType":"product","fieldCode":"DETAILS.CARD_CATEGORY"},"dataType":"TEXT","label":"Card type","order":null},{"config":{"MULTISELECT":true,"VALUES":"Balance transfer,0% intro APR,No annual fee,No foreign transaction fee"},"dataSelector":{"recordType":"product","fieldCode":"DETAILS.CARD_FEATURES_FILTER"},"dataType":"TEXT","label":"Features","order":null},{"config":{"MULTISELECT":true,"VALUES":"American Express,Bank of America,Barclaycard,Capital One,Chase,Credit One,Citi,Discover,HSBC,Luxury Card,Penfed,TD Bank,USAA,U.S. Bank,Wells Fargo"},"dataSelector":{"recordType":"product","fieldCode":"DETAILS.PROVIDER_FILTER"},"dataType":"TEXT","label":"Issuer","order":null},{"config":{"MULTISELECT":true,"VALUES":"Any reward type,Crypto,Cash back,Travel,Airline,Hotel"},"dataSelector":{"recordType":"product","fieldCode":"DETAILS.REWARDS"},"dataType":"TEXT","label":"Rewards","order":null}],"niche":{"currencySymbol":"$","decimalPoint":".","decimalPlaces":"2","thousandsSeparator":",","filterBoundsMap":{"product.DETAILS.CARD_CATEGORY":null,"product.DETAILS.CARD_FEATURES_FILTER":null,"product.DETAILS.PROVIDER_FILTER":null}},"prefilled":false,"experimental":false}

3 of 60

Product	Finder Score	Filter values	Rewards	Annual fee	Purchase APR
Finder score 9.2 Excellent Current Credit Building Card	Finder score 9.2 Excellent		Up to 7% cash back	$0	0% APR - Purchases are made using your Current Account balance	Build credit with every swipe using only the money in your account, no matter your credit history or score.	Go to site More info Compare product selection Compare	loading
Finder score 8.6 Great Step Black Card	Finder score 8.6 Great		Up to 8% cash back	$0		Safely build credit without a credit check or credit history while earning savings rewards and cashback.	Go to site More info Compare product selection Compare	loading
Finder score 9.2 Excellent Arro Credit Card	Finder score 9.2 Excellent		Statement credits, credit line increases, and exclusive offers	$36	From 16% variable	An unsecured credit card with no hard credit check and no security deposit required. It offers a credit limit of up to $200 to start and can increase up to $2,500.	Go to site More info Compare product selection Compare	loading

loading

Load More

Showing 3 of 60 results

How the Finder Score helps you find a better credit card

The Finder Score is a simple score out of 10. The higher a savings account's score, the better we think it is for the average customer.

We score each credit card in our database of hundreds based on a data-driven methodology with 3 main criteria: Does the card offer rewards? Does the card have an annual fee? What's the card APR%?

Search credit cards by bank

Have a particular provider in mind? Click the logo to compare its suite of credit cards.

How to compare credit cards

When comparing any type of credit card, consider these key features to narrow down your options.

• Strong introductory offers. Credit cards often come with promotional features and perks for new customers, such as introductory 0% APRs, bonus points or waived annual fees in the first year. These types of deals can give you more value when you first get a new card, as long as you meet the offer requirements.
• Complimentary extras. Credit cards offer a wide range of complimentary features and benefits that you can use to get more value from the account. Examples include travel and medical insurance, airport lounge access, concierge services, and more. These perks can add up to hundreds of dollars of extra value, but only if you use them. When you’re looking at the complimentary extras during your credit card comparison, be realistic about whether or not you will be able to get value from these features so that they offset the cost of any fees.
• Valuable rewards programs. If you want to earn rewards for your credit card spending, pay attention to the type of rewards program available. Some credit cards are linked to existing reward schemes, while others have their own rewards programs. As well as deciding which rewards program you want, think about how often you’ll use the card and the amount of points you need to redeem rewards. This will help you compare different rewards credit cards so you can find one that works for you.
• Low rates and fees. Carefully comparing and understanding the rates and fees will help you work out the overall cost of each credit card you compare. Interest and annual fees are two of the biggest figures to watch out for, though you’ll want to understand all credit card fees to best use your card.

Understanding credit card rates and fees

Read all the fine print a few times to be sure you understand everything the card offers. Read up on what all the terms mean, such as APR and grace period. Sometimes they are explained on the credit card agreement, but you can also contact the credit card provider to learn more.

• Annual fee. The ideal card for you may not be one without an annual fee. But if you are going to be carrying over a balance for a month or two, consider a card with a lower ongoing APR.
• Interest rates. If you often carry a balance, a low-APR card may be the way to go. But know that unless you’re getting a credit union card — which often has fewer fees and lower APR — you’ll be giving up the option to earn generous rewards on your purchases.
• Cash advances. Cash advances can be draining on a credit card since the fees and interest rates are high. If you need to use your credit card to withdraw money from the ATM, consider a credit card with no cash advance fees — but you will still incur an APR from the moment you make the transaction.

Written by

Megan Horner

Publisher

Megan Horner is editorial director at USA TODAY Blueprint and former head of publishing at Finder, where she lead a team focused on publishing personal finance guides and reviews that help readers make informed financial decisions. She's passionate about helping you find the best financial accounts to meet your needs — whether that's earning great rewards or improving your credit score.  Megan's expertise has been featured on Lifehacker, CreditCards.com, American Banker and news broadcasts across the country. She has a longstanding background in surfacing the best deals and helping people make decisions, including a start as a writer at a comparison website and editing credit card and credit score content at Credit Karma. She earned a degree in English and editing from Brigham Young University. See full bio