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What do you prefer?

To see what types of rewards cards are right for you.

Are your currently earning cash back on your credit card purchases?

You might save a lot of money by using a cash back credit card for your purchases.

Great, now we're going to ask some questions to help maximize your rewards on everyday spending
How much do you normally spend on groceries each month?

Some cards offer special rewards rates on grocery spending.

Do you shop at any big box stores?

To see whether a wholesale store card makes sense for you.

Do you buy gas at Costco?

To see whether a wholesale store card makes sense for you.

How much do you spend on gas every month?

Some cards offer special rewards rates on gas spending.

Do you commute to work on public transportation? We may be able to find you some savings here.

Some cards offer special rewards rates on travel spending. This can often include public transportation.

How much are your monthly public transportation commuting expenses?

Some cards offer special rewards rates on travel-related spending. This can often include public transportation.

How much do you spend at restaurants each month?

Some cards offer special rewards rates on restaurant spending.

How much do you spend shopping online or in retail stores each month?

Some cards offer special rewards rates on Amazon.com and/or other online vendors.

Do you pay your phone bill with a credit card?

Some credit cards will offer a bill credit with specific wireless providers.

We may be able to help you find some savings with your wireless provider. Which cell phone carrier do you use?

Some credit cards will offer a bill credit with specific wireless providers.

How much do you spend on your monthly cell phone bill?

Some credit cards will offer a bill credit with specific providers

Do you pay for utilities with a credit card?

Some cards offer special rewards rates on utilities spending.

How much do you normally spend on utilities each month?

Some cards offer special rewards rates on utilities spending.

Do you own a small business?

To see if you're eligible for small business credit cards, which often come with features that can help you grow your business.

Are you an active or former member of the US military?

Military members and their families have exclusive access to card offers with issuers like USAA.

Do you have a spouse or family member who has served, or is currently serving in the US military?

Military members and their families have exclusive access to card offers with issuers like USAA.

Are you currently a student?

To see if a student credit card makes sense for you.

Do you currently have children under the age of 18?

To see whether you'll use your credit card for childcare related expenses.

How much do you spend on childcare related expenses each month?

To get a better idea of your childcare related spending, which make up your overall monthly spending.

Do you have a checking or savings account with any of these banks?

Certain credit card issuers will provide a rewards bonus when you redeem to an affiliated bank account.

Will you use travel rewards for business or personal travel?

To see if you're eligible for small business credit cards, which often come with features that can help you grow your business.

Is most of your travel domestic or international?

If you travel internationally, you may benefit from credit cards with no foreign transaction fees and other benefits.

How do you normally travel?

To get a better idea of how much you normally spend when you travel. Certain cards will allow you to redeem for a ticket for others as well as for yourself.

How many family members do you typically travel with?

To get a better idea of how much you spend when you travel.

How frequently do you fly?

To see how much you'd benefit from credit cards with special rewards rates on airline spending.

How important is priority boarding to you?

Certain credit cards offer priority boarding with affiliate airlines.

How important are free checked bags to you?

Certain credit cards offer free checked bags with affiliate airlines.

How important is airport lounge access to you?

Certain credit cards offer free or reduced-rate lounge access with affiliate airlines.

How important is booking rewards flights without blackout dates or restrictions to you?

Credit cards may restrict booking options during busy travel periods. We want to see if that's important to you.

Which Airlines do you travel with most?

To see which airline credit cards make sense for you.

How frequently do you stay in hotels when you travel?

To see how much you'd benefit from credit cards with special rewards rates on hotel spending.

How important are hotel perks such as free wifi to you?

To see how much you'd benefit from credit cards with special rewards rates on hotel spending.

Which hotels do you stay at most?

To see which hotel credit cards make sense for you.

What type of rewards do you prefer?

To match you with the card that best fits your rewards earning preferences.

Would you consider using a card with an annual fee?
(We only recommend cards where rewards are greater than the cost of the fee)

Often, cards with annual fees may offer better rewards. We want to see if you would be open to exploring these options.

What is your best guess at your credit score?

You typically need at least fair credit to qualify for a rewards card. If your credit needs improvement, we'll recommend cards to help you build your score.

We Are Looking For Your Match

We're calculating your potential rewards for over 250 credit cards
  • Grocery Rewards
  • Gas Rewards
  • Dining & Entertainment Rewards
  • Travel Rewards
  • Introductory Bonus
  • Annual Fees
  • Credit Eligibility
  • Overall Spending Habits
From our Partners | Advertiser Disclosure
The card offers that appear on this site are from companies from which SmartAsset.com receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). SmartAsset.com does not include all card companies or all card offers available in the marketplace.
Editorial content on this page is not provided by any credit card companies. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by credit card issuers.

It's a match!

Based on your needs, our top recommended card is:

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First Year
Rewards Value*


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3 Year
Rewards Value*

Why is this card right for you?

    What you need to know

      Rates and Fees
      APR Range Annual Fee Intro APR Balance Transfer Intro APR

      APR Range

      Annual Fee

      Intro APR

      Balance Transfer Intro APR

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        * This value is not endorsed by any card issuers. We've estimated your rewards values based on your spending habits.