Compare the terms that count.
Enter details from current issuer disclosures. These are your own examples, not card offers from UnifiedCreditCards.com.
Your card comparison
Enter two cards and your estimated monthly spending. The rewards calculation assumes a flat rate across all that spending and subtracts only the annual fee. It excludes caps, categories, introductory bonuses, taxes and other fees.
Rewards after fee is only one factor. If you carry a balance, interest could outweigh rewards. A promotional APR, balance transfer fee, rewards cap, or changing spending pattern can alter the result. This tool does not assess eligibility or recommend a particular card.
What else should you compare?
- Annual fee and APR: check the current issuer disclosures, including any rate that starts after a promotion.
- Rewards: check eligible categories, limits, redemption rules and whether rewards expire.
- Balance transfers: compare the one-time fee and what happens when the promotional period ends.
- Benefits: count only protections and credits you can realistically use.
Use the calculators for a separate illustration of interest and rewards. For official consumer guidance, visit the Consumer Financial Protection Bureau ↗.