It can be daunting to find, compare, and then apply for the best reward credit cards.
American Express, Citibank, Chase, Discover, Capital One, Bank of America, and other credit card companies
offer dozens of competing Visa, MasterCard, AmEx, and Discover credit cards.
Their credit cards' reward structures for cashback, frequent flyer airline miles, and points
are a complex mix of tiers, limits, categories, and earning percentages.
The Credit Card Tune-Up calculator makes all of that easy. Just plug in how much you spend each
month, press Enter, and you'll be presented with a list of recommended cards sorted from best
to worst by your expected first-year annual reward. All reward currencies (miles, points, cashback) are translated
into dollars for an easy apples-to-apples comparison.
If having more than one credit card and using each
card for its strengths will earn you a greater annual reward, then those best
combinations (up to "4-Card Combo") are shown in the columns labeled "Best N-Card Combo".
Only the "Total you spend per month" field is required, but entering your spend by category can make a
difference of hundreds and sometimes even thousands of dollars. Since there is no "Other"
category, don't worry about having your category spends add up to your total spend; the
tool calculates your "Other" spending for you.
To apply for credit cards or read the terms and conditions, just click on the card name
link provided. Applying for credit cards through our links help support this service at no cost to you.
For a detailed explanation of any credit card, category, or dollar amount,
just position your pointer over that item.
To exclude a credit card from the "Best N" results (highlighted green),
check its checkbox in the "Excl?" column and press Enter.
If you find Credit Card Tune-Up useful,
please tell your friends and relatives or show them how to tune up their credit cards!
A "No Brainer" Tip
If you don't yet have a free Upromise college savings account, then you should definitely
set up a Upromise account and register your credit cards. Upromise will automatically scan
the transactions of any cards you register and make deposits into your Upromise account for
transactions with participating vendors. Even if you don't have college-bound children, you can give your
free earnings to a relative or friend or request a check.
How to Browse All Credit Cards
In addition to using the Credit Card Tune-Up calculator,
you can also browse cards here. You can browse to find the best balance transfer
deals, 0% APR (annual percentage rate) deals, low APR cards, instant approval cards,
and cards for fair credit, bad credit, and no credit.
Earn Extra Cash Back through BigCrumbs
In addition to the rewards you earn from funneling your spending through your credit cards,
you can often
earn additional cash back from your online shopping just by visiting sites through BigCrumbs!
You can earn extra cash back at big names like Best Buy (2.7%),
Circuit City (2.7%), Office Depot (5.4%), Target (2.7%), Buy.com (2.7%), and Old Navy (3.6%), just to name a few.
Earn even more cash back at specialty stores like iTunes.com (4.5%), ThinkGeek.com (6.3%), and The Sharper Image (7.2%).
You can even save 36% off your eBay fees!
Click here to see all the ways to earn more cash back just by starting your shopping at BigCrumbs!
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