Creddy: Credit Card Rewards

Creddy helps you get more from the credit cards you have and choose the next one with care.

Ask which of your cards to use at a store or for a category, and Creddy ranks your cards by effective return: each card's earn rate multiplied by Creddy's estimate of what its points are worth. Ask what a card includes and Creddy shows its annual fee, earn rates, statement credits with when each one resets, lounge access, elite status, insurance and purchase protections, foreign transaction fee, and current welcome offer. Compare two or three cards side by side, get a short list of cards to consider for a spend category, no annual fee, or lounge access, and see where a points currency transfers, at what ratio, and which transfer bonuses are running now.

Card data comes from Creddy's reviewed catalog of US credit cards, built from each issuer's published terms and kept current by the Creddy team. Card names can be written the way people say them, such as "Amex Gold" or "CSR".

Limitations: Creddy covers US consumer and business credit cards only. It does not need an account, never asks for card numbers or login details, and cannot apply for cards, move points, or make purchases. Point values are estimates, and offers and terms can change, so confirm the details with the issuer before you apply. Some answers include links to issuer application pages, and Creddy may earn a commission if you apply.