Independent credit card finder
Find the card that pays you back.
Tell us how you spend. We rank 171 cards from 10 major issuers by what each is worth to you in dollars a year, after fees. No sign-up, no credit check.
How CardFit works
1
Tell us how you spend
Groceries, dining, gas, travel and everything else, in rough monthly dollars, plus the cards you already carry.
2
We do the math on every card
Rewards on your spending, the credits you'd actually use, minus the annual fee: one yearly dollar figure per card.
3
Pick, then apply with the issuer
See what each card adds to your wallet, compare finalists side by side, and apply on the issuer's own site.
Top picks by category
The #1 card in each ranking on typical spending of $2,600/month: $500 groceries, $400 dining, $200 gas, $300 travel, $1,200 everything else. Your own numbers can change the order.
- Best Cash back Credit Cards
- Best Travel Credit Cards
- Best No annual fee Credit Cards
- Best Dining and restaurant Credit Cards
- Best Grocery Credit Cards
- Best Gas Credit Cards
- Best No foreign transaction fee Credit Cards
- Best Premium Credit Cards
- Best No annual fee cash back Credit Cards
- Best No annual fee travel Credit Cards
- Best No annual fee dining Credit Cards
- Best No annual fee grocery Credit Cards
- Best Grocery and gas Credit Cards
- Best No annual fee grocery and gas Credit Cards
- Best Dining and grocery Credit Cards
- Best No annual fee dining and grocery Credit Cards
- Best Gas and dining Credit Cards
- Best Dining and travel Credit Cards
- Best Balance transfer Credit Cards
- Best Student Credit Cards
- Best Business Credit Cards
- Best Fair credit Credit Cards
- Best 0% intro APR Credit Cards
- Best Flat-rate cash back Credit Cards
- Best Secured Credit Cards
Popular comparisons
- Platinum Card vs Chase Sapphire Reserve
- Platinum Card vs Venture X
- Chase Sapphire Reserve vs Venture X
- Citi Strata Elite Card vs Chase Sapphire Reserve
- Bank of America Premium Rewards Elite Credit Card vs Chase Sapphire Reserve
- American Express Gold Card vs Chase Sapphire Preferred Credit Card
- Chase Sapphire Preferred Credit Card vs Venture Rewards
- Chase Sapphire Preferred Credit Card vs Citi Strata Premier Card
- Chase Sapphire Preferred Credit Card vs Chase Sapphire Reserve
- American Express Gold Card vs Platinum Card
- American Express Gold Card vs Citi Strata Premier Card
- Venture Rewards vs Venture X
Cards by issuer
- American Express cards
- Bank of America cards
- Barclays cards
- Capital One cards
- Chase cards
- Citi cards
- Discover cards
- Synchrony cards
- U.S. Bank cards
- Wells Fargo cards
Questions people ask
Does CardFit check my credit?
No. Seeing your matches never runs a credit check or affects your score. Approval odds come from each issuer's stated credit level and what you tell us.
How does CardFit rank credit cards?
By what each card is worth to you in dollars a year: rewards on your spending plus credits you'd realistically use, minus the annual fee. Points count at conservative cash values. The full method is public.
Is CardFit paid by card issuers?
No. No issuer pays for placement and there are no affiliate links, so the order comes only from the published formula.
How current is the card information?
A crawler reads 171 cards from issuers' own websites every day. The data was last refreshed November 1, 2026.
Card details are collected from issuer websites and were last refreshed November 1, 2026. Terms change often; confirm them with the issuer before you apply.