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Compare cards based on your priorities
1. How long have you had your first U.S. credit card or ITIN credit history?
2. How many new card accounts appearing on your personal credit report have you opened in the past 24 months?
3. What type of rewards do you prefer?
4. What is your largest spending category?
5. Will you frequently use this card outside the U.S.?
6. What is your maximum acceptable annual fee?
7. Customize monthly spending and preferences (optional)
Estimated monthly spending (USD)
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Preferred issuersLeave unselected to compare all issuers
Customize usable benefits by card (optional)
Enter the annual benefit value you would actually use, or leave blank to use the percentage above. Set first-year and ongoing values separately, up to the recorded model estimates.
Rules-based matching complete
Your matches
The comparison pool contains 43 cards, including 3 Discover cards. Cards closed to applications are excluded. Discover first-year estimates assume eligible new-cardholder Match, calculated from estimated rewards rather than a fixed welcome bonus. Cash Back uses 1%, not quarterly 5% bonuses. Chrome assumes equal quarterly spending and that the gas/transit field is eligible gas spending: 2% on the first $1,000 combined dining and gas per quarter, then 1%; overseas use is conservatively modeled at 1%. Miles uses 1.5x and 1 cent per mile.
Fit scores rank this comparison only; they are not credit scores or approval probabilities. Results use published card data, your choices and an estimate model, not an approval prediction or guarantee. A recommendation dataset date is not a new verification of issuer terms or current offers. Benefit values depend on usage, redemption, reward caps and merchant categories. Check current issuer terms before applying. These estimates are not financial advice.