Personal finance
Compare credit cards
Rewards, balance transfer and everyday-spend cards
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There is no best card, only a best fit. Decide first whether you are optimizing rewards, paying down a balance, or building credit — the comparison changes completely for each goal.
Side-by-side comparison
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What to weigh before you apply
Define the job
A balance-transfer card and a travel-rewards card are not competitors. Compare within a goal.
Value rewards conservatively
Point values depend on how you redeem. Assume the simplest redemption when comparing.
Intro periods end
Know the regular rate that applies after a promotional window, and what happens to any remaining balance.
Common questions
- Does applying hurt my credit?
- A new application typically results in a hard inquiry, which can temporarily lower a credit score. Issuers disclose this in their application flow.
- Are balance transfers free?
- Most charge a transfer fee, commonly a percentage of the amount moved. Include it in the total cost of paying the debt down.