The Card Database
345 cards tracked · offers verified against issuer pages · histories charted
Card Type
Card Issuer
Cobranded Cards
Overwhelmed with credit card options?
Filter out the noise. Compound Match ranks every card against your real spend, math included.
The most beloved card in hobby history, gone with Starwood itself.
The flagship premium travel card, rebuilt in 2025 with a credit stack that can out-earn its fee.
The biggest routine sign-up bonus in the business. Period.
The best first travel card in the game. Full transfer partner access for $95.
Premium travel with the easiest break-even math in the category.
The 4th Night Free card, closed to new applicants since 2021.
The Platinum with an escape hatch: cash points out to your Schwab brokerage at 1.1 cents.
The lounge king. The 2025 refresh raised the fee, and doubled down on credits.
A 49 dollar fee for a free night anywhere IHG flies its flag. Never again.
The Platinum that can pay for itself through a Morgan Stanley CashPlus account.
The only hotel card whose free night reliably beats the annual fee.
4x at restaurants and US supermarkets. The foodie default.
5 percent on groceries and gas up to 50,000 dollars a year, never matched since.
Every award stay's last night free, until the 2015 massacre.
$750 for free, every so often. The churnable workhorse.
Instant Diamond status and a free night that beats the fee by itself.
The Venture X formula scaled up for serious business spend.
4 percent on dining with no fee, dead within four years.
2x on everything, no fee, full Membership Rewards. Quietly elite.
3x on five everyday categories. The broadest mid-tier earner.
The Sapphire Reserve playbook, rebuilt for business owners with ad spend and software credits.
5x on dining and bookstores, and Amazon counted as a bookstore.
2.1 percent on everything toward any travel, pulled without warning in 2019.
5x at office supply stores, and gift card racks live at office supply stores.
3% on dining, groceries, entertainment and streaming. No fee.
The only card that earns points on rent with no fee.
The legacy luxury card you can only reach by product change.
3x on practically everything fun, for free, until Wells gave up on it.
Flat 1.5% on everything, free software, and no personal guarantee.
1.5x on everything, and a points multiplier when paired with a Sapphire.
The top personal Southwest card. The travel credit and anniversary points nearly erase the fee.
Platinum lounge access plus a credit stack built for business spend.
2x everywhere with real transfer partners for $95.
Automatic 5% on your top category every month. Zero effort.
The companion fare alone can repay the fee several times over.
The original 5 percent rotating workhorse, retired but never killed.
The middle child of the United lineup, with enough credits to cover the fee for regular flyers.
6% at US supermarkets. The family grocery card.
The benchmark 2% card, that secretly earns transferable points.
3x on travel, dining, gas, transit, streaming and phone plans. Free.
4x on dining with no annual fee. Few cards beat that math.
The Companion Fare makes this one of the best airline card deals anywhere.
3x on all online shopping, the grandfathered card everyone refused to cancel.
Mastercard5 percent on gas, groceries and Amazon-as-books, neutered in 2017.
Spark Miles rebranded into the Venture family with new credits and a six-figure bonus.
5% rotating categories that turn into 5x transferable points in the right setup.
Huge headline bonuses, an anniversary night, and a fourth award night free every stay.
4x in your top two business categories, automatically.
Citi's 2025 entry into the premium wars, with weekend dining 6x.
Flat 2% with cell phone protection thrown in.
Pick your own two 5% categories every quarter.
The standard-issue American Airlines card, fee waived year one.
The Explorer's business sibling, refreshed in 2025 with a deeper credit stack.
Two weekend nights for 95 dollars, until Amex took the whole portfolio.
The startup charge card that pays up to 7x and never touches your personal credit.
A United Club membership with a card attached. The 2025 refresh raised the fee and stacked on credits.
5% back on Amazon and Whole Foods, no annual fee beyond your Prime membership.
Gold status, quarterly Hilton credits, and a free night at $15k.
6x on gas and a status ladder into the Caesars ecosystem.
The biggest Southwest bonuses live on the business side.
Free bags, expanded award space, and two lounge passes a year.
The only US card that earns one of the best Star Alliance currencies directly.
Companion certificate plus an MQD headstart for the Delta loyal.
Platinum Elite status and an 85k free night for serious Marriott stayers.
Cashback Match doubles everything you earn in year one.
The famous first-purchase bonus card, now closed to new applicants.
Admirals Club membership with a credit card attached.
The card that turned Wells Fargo points into a transferable currency.
3% on the categories small businesses actually spend in. No fee.
The Blue Business Plus in cash form: 2% on everything, no fee.
Uncapped 2% for businesses that spend big and pay in full.
3% flat on everything, but only behind a paid Gold subscription and a waitlist invite.
2% everywhere with no foreign transaction fee, and anyone can join.
An annual 35k free night certificate for a $95 fee.
Sky Club access and a first class companion certificate.
With Preferred Rewards Platinum Honors, this becomes a 2.62% everything card.
The keeper card for anyone who flies JetBlue twice a year.
Flat 2% deposited straight into your Fidelity account.
Gold status and quarterly Hilton credits for the business traveler.
The business-side door into American Airlines miles.
A full United Club membership on the business side, with a fee that tripled to match.
The personal IHG Premier's perks, repeated on the business side of the ledger.
5% on Costco gas and 4% everywhere else you fill up.
8x on gas and instant Diamond status for under a hundred bucks.
Unlimited 2% for your business with zero fee and zero homework.
Full 5% Cash+ earning while you rebuild your credit.
3x on groceries, dining, gas and transit with no annual fee.
Bilt's $95 middle tier: pick dining or groceries for 3x and keep earning on housing.
The cheapest door into Southwest points and the Companion Pass.
3% groceries, gas, and online retail with no fee.
2% base, up to 4% on everything with a U.S. Bank Smartly relationship.
A free night and Gold Elite status for $125.
The middle child of the Southwest lineup, and often the right pick.
The companion certificate card for business Delta flyers.
More Hyatt points for the best hotel currency, with flexible quarterly bonus categories.
21 months of 0% APR. That is the whole pitch, and it is the best one.
6% at the two retailers you actually shop at, including Amazon and Walmart.
4x on dining is unheard of for a secured card.
Military-grade travel rewards with a $49 fee and a free year of Amazon Prime.
3% on everything you check out with PayPal, which is most of the internet.
Bilt's premium play: 2x on everything, lounge access and the richest housing rewards.
4% at the pump is the highest uncapped-rate gas headline at any major bank.
The sleeper 5% grocery card hiding behind a roadside assistance logo.
1.5% on everything for companies that already bank with Mercury.
A pay-in-full card that underwrites your Shopify sales instead of your credit score.
Sky Club access and a first class companion certificate, at a premium price.
The lighter Southwest business card, and a clean second bonus toward the Companion Pass.
Lounge visits and 4x travel from a mid fee business card.
Premium-style travel perks at a credit-union price, fee waived for many members.
The no-fee Spark Miles Select successor: 1.5x everywhere with full transfer partner access.
TD finally made its 2% card a true flat 2%, no redemption hoops attached.
Free bags and a $200 flight credit at $10k spend.
3% in the category you choose, supercharged by Preferred Rewards.
4x on travel and gas with no annual fee.
5% back at Amazon, or 90 day float. Pick your poison.
Six-figure point bonuses and a fourth night free, on a card that costs nothing.
The same Costco gas machine, sized for a business.
The no-fee entry to ThankYou points with a category you pick yourself.
BofA's luxury card pays off when six figures sit in Merrill.
Pick your 3% category and let Preferred Rewards push it toward 5.25%.
A secured card that earns rewards and graduates you in months, not years.
Up to 2% back when you settle daily, bundled with full-stack business banking.
Up to 2% flat business cash back that approves on revenue, not just your FICO.
Chase's front door for first-time cardholders. 1.5% on everything while you build history.
Free hotel status and big point hauls for no fee.
The Black Card. You do not apply. Amex calls you.
The iPhone-native card. Daily Cash, no fees of any kind.
1.5x everywhere, no fee, no FTF, and erase any travel purchase.
The rare secured card that earns real rewards and doubles them in year one.
Avios for short-haul sweet spots, plus the famous Travel Together companion ticket.
The JetBlue Plus playbook with a business wrapper and a bigger bonus.
The longest 0% intro APR in the market, with a few rewards sprinkled on.
2% everywhere for members who keep a PenFed checking account.
An automatic 5% off every Target run, now usable everywhere Mastercard works.
One card for the whole Virgin empire: Atlantic, Hotels and Voyages.
Up to 4% back on everything, paid in bitcoin, on the Amex network.
The legendary targeted-offer machine, converted to a Citi ThankYou card at the end of 2025.
3x on travel, transit, and dining. The forgotten middle child that earns broadly.
1.5% on everything with no fee and no FTF. The honest default.
1.5x everywhere, doubled to 3x for your entire first year.
Free bags and a flight credit for the business that flies Delta a few times a year.
2.5% on big purchases, with one catch: the points are stuck as cash.
1.5% on everything for the business that wants zero overhead.
Free Gold status and 5x on gas without paying a dime.
30,000 anniversary points every year turn the $95 fee into a rounding error.
5% rotating categories and a first-year double, on a student's credit file.
Up to 2% flat cash back with credit-union APRs and no fee.
5% on gas anywhere is still one of the best pump rates in the country.
The only premium rail card in America, and the perks actually clear the fee.
Citi's 5 percent rotating card, still alive in grandfathered wallets only.
The free entry point to Bilt 2.0 and points on your rent or mortgage.
A HELOC that swipes like a credit card, with 2% back and single-digit APRs.
5x gas and 3x groceries including Walmart and Target, for zero annual fee.
A no-fee flat 2% on everything, riding the Amex network.
The credit union sleeper that pays 5% at Amazon because Amazon counts as a bookstore.
The 2x business miles workhorse, now retired as the Venture Business.
5% back at REI on top of the 10% member dividend.
4% back on gym memberships, concerts and the dog groomer. Seriously.
A free business travel card with a bonus worth $500.
The only US card that earns Flying Blue XP toward elite status.
Walmart's new house card: 5% back in-store and online with Walmart+.
1.5% that grows to 2.62% with Preferred Rewards.
Transferable miles with no annual fee and no foreign transaction fees.
1.5% flat that quietly becomes 2.62% with a banking relationship.
Avios earning plus a year of Qatar Silver status for under a hundred bucks.
The card that ended a 16-year Amex and Costco marriage.
A premium card that died because its bank left the country.
5% on gas and on-base spending, built for life around a military installation.
The U.S. Bank Cash+ formula in white-label form, sold through hundreds of community banks and credit unions.
The awkward middle child of the Marriott lineup, rescued by big welcome offers.
Up to 5% back in club and real savings at the BJ's pump.
2x on everything, 2.5x by phone, for businesses that hate category games.
The Plum Card's replacement: unlimited 2% back everywhere for a steep $295.
The credit union card people join DCU for: an APR that starts where big banks bottom out.
A palladium-faced Sapphire Reserve for J.P. Morgan Private Bank clients. Same benefits, heavier metal.
The round-up card, retired in favor of the Citi Strata.
Fixed 2% on gas and dining with no quarterly activation.
Flat 1.5% everywhere while you build credit.
4.5x at supermarkets if you swiped 30 times a month. Closed to new applicants since 2024.
Gold status and big earn rates, but no annual free night to anchor the fee.
The Prime Visa without the Prime: 3% at Amazon, no membership required.
4% on delivery and 3% on dining, built for people who outsource dinner.
3% on the categories that define a college budget.
A fat point bonus on a free card, if you can love Choice hotels.
No rewards, no frills, 21 billing cycles of 0% interest.
The quiet workhorse for one of the best mileage charts left in SkyTeam.
The fee-free starter card that proved cash flow underwriting works, now closed to new applicants.
Set-and-forget 2% on gas and dining for students who will not chase categories.
USAA's simple 1.5% card finally comes with a real welcome bonus.
Automatic 3% on your top spend category every month, no activation games.
LifeMiles are a Star Alliance cheat code, and this card feeds them directly.
PNC's answer to the 2% club, with $800 cell phone protection included.
The best balance transfer card in America has no fee and no tricks.
USAA's first real travel card: 3x travel, 2x everything, and a self-paying fee.
Budgeting software with a card attached, and rewards that depend on how fast you pay.
A clean 1.5% charge card for businesses already living inside Stripe.
The expense-report company's card: 1% everywhere, 2% if you spend a quarter million a month.
A flat 2% everywhere with a real $200 bonus, from the biggest bank nobody talks about.
The only US card earning Miles&Smiles directly, gateway to one of the best award charts left.
2x on everyday spending with no annual fee and none of the usual junk fees.
United miles with no annual fee and no FTF.
The full 3% choose-your-category structure, in a secured shell.
The only no-fee personal Membership Rewards card. Closed to new applicants since 2024.
The Ireland specialist of the Avios trio, with cheap transatlantic award math.
Avios with a Spanish accent and a $1,000 flight discount for big spenders.
The no-fee business miles card that became the VentureOne Business.
First year Silver status is the real headline, not the miles.
Royal Caribbean's 2026 card reboot, now covering Celebrity and Silversea too.
Uncapped 5% at grocery stores on a charge card with no credit check.
Synchrony's house 2% card, the landing pad for converted eBay Mastercard holders.
The card that lets a teenager turn 18 with two years of credit history already banked.
The free entry point to the Delta ecosystem.
A $200 credit line for as little as $49 down.
The free way to keep Marriott points alive and bank elite nights.
The Disney card with actual earn rates, for households funding an annual pilgrimage.
The free way to keep AAdvantage miles flowing from the grocery store.
A free way to keep TrueBlue points flowing between trips.
Expedia store credit for people who already book everything on Expedia.
It watches your spending and bonuses your top two categories automatically.
Spend your own money like a debit card while it builds credit like a credit card.
4% on gas, groceries and dining, as long as you spend it all at Verizon.
Free self-parking on the Strip for the price of nothing.
The only US card earning LATAM Pass miles, with upgrades baked in.
VisaThe no-fee Sapphire that started the dynasty, then vanished into Freedom Unlimited.
Discover's last business card, gone almost as fast as it arrived.
The Slate name returns with 21 months of 0% APR and nothing else.
1.8% on everything with no foreign transaction fee, an odd but honest number.
3x dining and 2x gas with Navy Federal's famously generous limits.
3x on everything, as long as everything you want is a Chevy, GMC, Buick or Cadillac.
3x on gas, groceries, dining and utilities with no annual fee.
Unlimited 1.5% back bolted onto Bluevine checking, if Bluevine invites you.
A simple 1.5% card whose superpower is a fee-free 0% balance transfer window.
Flat 1.5% everywhere for students who want zero complexity.
The only way to make Frontier miles survive your spending habits.
Up to 6% back in travel credits on the world's biggest booking site, launched August 2025.
21 months of 0% on balance transfers with no late fees, ever.
Citi's flagship balance transfer card: 21 months at 0%.
Lounge vouchers and a companion ticket hide inside a forgettable earner.
No deposit minimum, no interest, no fees: just your own money building credit.
A free way to keep Amtrak points alive and earn 2x on dining.
Lisbon lounge passes and free bags for Portugal regulars.
Stamps toward free nights, dissolved when One Key swallowed Hotels.com Rewards.
Choose your own 3x category every quarter from a menu of ten.
5% on H-E-B own brands and 1.5% everywhere, for the most beloved grocer in Texas.
Pay early for 1.5% off, or float your bill 60 days. Discontinued March 2026.
5% back on grocery delivery for households that live on Instacart.
Park perks and character meet-and-greets, with rewards as an afterthought.
The Barclays AA business card is gone. Citi owns this franchise now.
A casualty of the Alaska merger: closed to new applicants since October 2025.
A cruise discount card living on borrowed time before its September rebrand.
Free WiFi and priority boarding on America's newest airline.
The build-your-own charge card experiment that lasted two years.
5% on streaming and cable, a bonus category nobody else leads with.
5x on Priceline bookings and automatic VIP Gold status for the name-your-own-price crowd.
5% on mobile wallet spend and fuel discounts across the entire Kroger grocery empire.
Amex's 1.5% flat card. Closed to new applicants since 2024.
1.5% cash back for people still building their credit score.
OpenSky's no credit check approval, now without the annual fee.
The original US Asia Miles card, retired and reborn as a Mastercard.
The no-fee balance transfer icon, retired in 2020. A new Slate exists, this is not that card.
3% on gas and drugstores plus a rare 2% medical category, built for the AARP demographic.
A US credit file you can start before your plane lands.
Eighteen billing cycles of 0% on transfers, plus a yearly oops button for late fees.
Minnesota's hometown airline card, rebooted under Synchrony.
A sleeper hotel card that Bank of America put to sleep for good in 2026.
Pick 3-2-1 categories or flat 1.5%, but choose carefully because it is permanent.
5% back at Best Buy plus the financing offers electronics buyers actually use.
The outdoor loyalty card for both Bass Pro Shops and Cabela's, with points that never expire.
Spend your Current balance like debit while the card reports it as credit.
The business credit builder that still pays you something back.
The only US card that earns ANA miles directly, fee waived the first year.
A free card that chips away at your next Norwegian fare.
Amex's quiet 1.33 percent travel card, finally folded into Cash Magnet in 2026.
The bank that made 1.67% famous still sells it, oddly specific as ever.
No rewards, no fees, just one of the lowest ongoing APRs around.
7% back at Wayfair with grocery and online categories on the side.
Up to 10% back at Walgreens, paid in Walgreens Cash that stays at Walgreens.
Instant Platinum status and Reward Credits for the Caesars casino loyalist.
3% on airfare, hotels and car rentals with no annual fee and no foreign transaction fees.
10% back across Crate & Barrel, CB2, Crate & Kids and Hudson Grace after the 2025 Imprint relaunch.
Two points per dollar toward your next Princess sailing, free to hold.
A metal deposit-backed card whose whole personality is automating good credit behavior.
A no-fee secured card from a major bank, with a clear 18-month runway.
Chase's balance transfer and APR card, now closed to new applicants.
A pure credit-building card with no fee and no distractions.
The mobile wallet legend, now closed and clipped.
Petal's lower-tier builder card, also closed since the Empower acquisition.
The old FNBO Best Western card is gone; the brand now lives on a First Bank & Trust Visa.
Half a buck off every gallon for two months, then steady pump savings.
A direct line to JAL Mileage Bank for a $35 fee.
A dead card for an airline that is itself being absorbed into Korean Air.
Retired in 2026 when Royal Caribbean Group consolidated onto the Royal ONE card.
The Princess card's sister ship, flying Holland America colors.
A plain 1.5% card whose best trick is skipping the foreign transaction fee.
1% that becomes 2% if you actually use your KeyBank checking account.
The card that invented the category, now frozen in amber.
The network upgrade to the Macy's store card, with real dining and gas categories.
5% back on flat-pack furniture and the TaskRabbit you hire to assemble it.
The 5% off Lowe's contractor staple, retired in April 2026.
5% across Williams Sonoma, Pottery Barn and West Elm, now issued by Capital One.
Up to 6x at Brooks Brothers with real dining and grocery categories underneath the oxford cloth.
A secured card that earns like TD's unsecured Cash card, fee and all.
Turn credit builder loan savings into a secured card without new cash.
An unsecured line for damaged credit, with no deposit and no guessing at terms.
7.5% in Kohl's Cash everywhere Kohl's, with a 30-day fuse on every reward.
5% back across T.J. Maxx, Marshalls, HomeGoods, Sierra and Homesense.
No credit check at all. Approval rests on your deposit, not your past.
A small town airline card whose BOGO airfare perk does the heavy lifting.
Nordy Club status and Anniversary Sale early access, with grocery and dining on the side.
5x across Gap, Old Navy, Banana Republic and Athleta, now under the Encore rewards banner.
5% back for Prime members, but it is store-only: this card works at Amazon and nowhere else.
One of the few US credit builders that accepts international students without an SSN.
The lowest APR in the secured card world, if you are willing to pay for it.
Extra Ultamate points at Ulta, and almost nothing anywhere else.
A flat 5% off at Lowe's on a store-only card that works nowhere else.
A virtual card that turns the Netflix bill you already pay into a credit tradeline.
A $95 fee for 1x points. The downgrade landing pad, not a destination.
2% back into your SoFi accounts, if you can still get an invite.
The eBay cobrand is gone, ended March 2026 and folded into a generic 2% Synchrony card.
A card that turns every statement into a fixed-rate installment loan, with 1.5% back along the way.
The 5% Walmart card that died in court and came back as a Quicksilver.
Earns Verizon Dollars that only pay Verizon bills, a closed loop for wireless-heavy small businesses.
No interest ever, just a flat monthly subscription fee for your credit line.
Green Dot's plain secured card for people already banking with GO2bank.
One of the only travel rewards cards that will take fair credit, at a price.
The legendary 2.5% card, now closed to new applicants and cut to 1.5%.
The stainless steel startup card that became the Robinhood Gold Card.
The original Rakuten card died in 2022; the brand came back in 2025 as an Imprint-issued Amex.
The college credit builder that rebranded from Fizz to Mine and started charging real money.
CashPass points at Penney's and a 33% APR everywhere else.
A store-only financing card: it works at Home Depot, earns nothing, and exists for the 6-month deferred interest plan.
A plain unsecured builder card with one honest fee and no gotchas.
A business credit-building charge card that Nav shut down in April 2026.
A heavy metal card with a $495 fee and math that never quite adds up.
A sweet spot machine that Bank of America quietly retired.
MastercardA 2% flat business card that PayPal killed with one week of notice.
A 24k-gold-plated card with a $995 fee, the most expensive 2% cash back in America.
The entry-level Luxury Card: $195 for a brushed steel card and 1% back.
The pandemic-era small business lender Amex bought, then quietly retired.
Unsecured approval for bad credit, paid for with one of the heaviest fee schedules in the market.
An unsecured card for damaged credit that charges almost a hundred dollars a year for the privilege.
The Indigo's twin, with the same heavy fees under a different name.
The third card in the Concora trio, with the same fees and the same warning label.
A no-credit-check card whose one job, credit bureau reporting, stopped working.
The airline is gone, and the points went with it.