Credit Compound

The Card Database

83 cards tracked · offers verified against issuer pages · histories charted

Overwhelmed with credit card options?

Filter out the noise. Compound Match ranks every card against your real spend, math included.

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Chase Ink Business Unlimited card art

$750 for free, every so often. The churnable workhorse.

75,000 pts bonus (≈$750)AF: $0Rating: 8.7/10
Amex Blue Business Plus card art
Amex Blue Business PlusAmerican Express

2x on everything, no fee, full Membership Rewards. Quietly elite.

15,000 pts bonus (≈$300)AF: $0Rating: 8.6/10
Chase Ink Business Cash card art

5x at office supply stores, and gift card racks live at office supply stores.

75,000 pts bonus (≈$750)AF: $0Rating: 8.5/10
Capital One Savor card art

3% on dining, groceries, entertainment and streaming. No fee.

$250 bonus (≈$250)AF: $0Rating: 8.5/10
Mastercard
Bilt
Personal · No AF
Bilt MastercardBilt Rewards

The only card that earns points on rent with no fee.

Special bonusAF: $0Rating: 8.5/10
Chase Freedom Unlimited card art

1.5x on everything, and a points multiplier when paired with a Sapphire.

20,000 pts bonus (≈$200)AF: $0Rating: 8.4/10
Citi Custom Cash card art

Automatic 5% on your top category every month. Zero effort.

20,000 pts bonus (≈$200)AF: $0Rating: 8.4/10
Citi Double Cash card art

The benchmark 2% card, that secretly earns transferable points.

20,000 pts bonus (≈$200)AF: $0Rating: 8.3/10
Wells Fargo Autograph card art

3x on travel, dining, gas, transit, streaming and phone plans. Free.

20,000 pts bonus (≈$200)AF: $0Rating: 8.3/10
U.S. Bank Altitude Go Visa Signature card art

4x on dining with no annual fee. Few cards beat that math.

20,000 pts bonus (≈$200)AF: $0Rating: 8.3/10
Chase Freedom Flex card art

5% rotating categories that turn into 5x transferable points in the right setup.

20,000 pts bonus (≈$200)AF: $0Rating: 8.2/10
Wells Fargo Active Cash card art

Flat 2% with cell phone protection thrown in.

$200 bonus (≈$200)AF: $0Rating: 8.2/10
U.S. Bank Cash+ Visa Signature card art

Pick your own two 5% categories every quarter.

$200 bonus (≈$200)AF: $0Rating: 8.2/10
Prime Visa card art

5% back on Amazon and Whole Foods, no annual fee beyond your Prime membership.

$150 bonus (≈$150)AF: $0Rating: 8.1/10
Discover it Cash Back card art

Cashback Match doubles everything you earn in year one.

Special bonusAF: $0Rating: 8.0/10
US Bank Business Triple Cash Rewards card art

3% on the categories small businesses actually spend in. No fee.

$500 bonus (≈$500)AF: $0Rating: 8.0/10
Visa
Fidelity Rewards
Personal · No AF

Flat 2% deposited straight into your Fidelity account.

$150 bonus (≈$150)AF: $0Rating: 7.9/10
Blue Cash Everyday Card card art
Blue Cash Everyday CardAmerican Express

3% groceries, gas, and online retail with no fee.

$200 bonus (≈$200)AF: $0Rating: 7.8/10
U.S. Bank Smartly Visa Signature card art

2% base, up to 4% on everything with a U.S. Bank Smartly relationship.

$250 bonus (≈$250)AF: $0Rating: 7.8/10
Bank of America Customized Cash Rewards card art

3% in the category you choose, supercharged by Preferred Rewards.

$200 bonus (≈$200)AF: $0Rating: 7.6/10
US Bank Altitude Connect card art

4x on travel and gas with no annual fee.

20,000 pts bonus (≈$200)AF: $0Rating: 7.6/10
Chase Freedom Rise card art

Chase's front door for first-time cardholders. 1.5% on everything while you build history.

2,500 pts bonus (≈$25)AF: $0Rating: 7.5/10
Hilton Honors American Express Card card art

Free hotel status and big point hauls for no fee.

80,000 pts bonus (≈$400)AF: $0Rating: 7.5/10
Apple Card card art
Apple CardGoldman Sachs

The iPhone-native card. Daily Cash, no fees of any kind.

Special bonusAF: $0Rating: 7.5/10
Bank of America Travel Rewards card art

1.5x everywhere, no fee, no FTF, and erase any travel purchase.

25,000 pts bonus (≈$250)AF: $0Rating: 7.5/10
Discover it Secured card art

The rare secured card that earns real rewards and doubles them in year one.

Special bonusAF: $0Rating: 7.5/10
Capital One Quicksilver card art

1.5% on everything with no fee and no FTF. The honest default.

$200 bonus (≈$200)AF: $0Rating: 7.4/10
Discover it Miles card art

1.5x everywhere, doubled to 3x for your entire first year.

Special bonusAF: $0Rating: 7.4/10
Bank of America Unlimited Cash Rewards card art

1.5% that grows to 2.62% with Preferred Rewards.

$200 bonus (≈$200)AF: $0Rating: 7.2/10
Citi Rewards+ card art

Every purchase rounds up to the nearest 10 points.

20,000 pts bonus (≈$360)AF: $0Rating: 7.0/10
Discover it Chrome card art

Fixed 2% on gas and dining with no quarterly activation.

Special bonusAF: $0Rating: 7.0/10
Capital One Quicksilver Secured card art

Flat 1.5% everywhere while you build credit.

Special bonusAF: $0Rating: 7.0/10
United Gateway Card card art

United miles with no annual fee and no FTF.

20,000 pts bonus (≈$240)AF: $0Rating: 6.9/10
Bank of America Customized Cash Rewards Secured card art

The full 3% choose-your-category structure, in a secured shell.

Special bonusAF: $0Rating: 6.9/10
Delta SkyMiles Blue American Express card art

The free entry point to the Delta ecosystem.

10,000 pts bonus (≈$115)AF: $0Rating: 6.8/10
Capital One Platinum Secured card art

A $200 credit line for as little as $49 down.

Special bonusAF: $0Rating: 6.8/10
Citi Secured Mastercard card art

A no-fee secured card from a major bank, with a clear 18-month runway.

Special bonusAF: $0Rating: 6.0/10