# Credit Card Browser: Compare 200+ Rewards Cards by Bonus, Fee and Issuer

## Comparing credit cards shouldn't take twelve browser tabs

Every bank shows its own cards in its own format. One lists the welcome
bonus in points, another in dollars, a third in "miles worth up to"
something. Annual fees hide in the fine print, and the rules that decide
whether you'll even get the bonus are buried in footnotes.

The Credit Card Browser puts **more than 200 cards from 20+ issuers** on
one page in the same format: annual fee, welcome offer, spending
requirement, earning rates, lounge access and the application rules that
apply. Search for a card by name, filter by issuer or fee, sort by bonus,
and open any card to see the full details. It's free, and you don't need
an account.

---

## How to use the Credit Card Browser

1. **Search or browse.** Type into **Search cards...** to match on card
   name, issuer or rewards currency. Searching "hilton" or "ultimate
   rewards" works as well as a card name.

2. **Open Filters to narrow the list.** Filter by **Issuer**, **Network**
   (Visa, Mastercard, American Express, Discover), **Rewards Type** (cash
   back or a specific points currency) and **Card Type** (personal or
   business). Drag the **Max Annual Fee** slider to hide anything above
   your budget, or tick **Limited Time Only** to see cards with elevated
   welcome offers right now.

3. **Sort the results.** The list starts at **Bonus: High to Low**. You
   can also sort by name or by annual fee in either direction.

4. **Scan the card tiles.** Each tile shows the annual fee (or "Free"),
   the **Base Rate** the card earns on everyday purchases, and the
   current **Sign-up Bonus**. Badges flag business cards, no-fee cards
   and limited-time offers.

5. **Click a card for the details.** The detail view shows the current
   offer with its spending requirement and deadline, every earning
   multiplier, lounge access, and the issuer's application rules.

6. **Check whether it's worth the fee.** Hit **Calculate Value** to open
   the card in the [Card Value Calculator](/tools/card-value-calculator)
   with its benefits already loaded.

> **Tip:** Results show 12 cards per page. If you're hunting for one
> card, search is faster than paging. If you're shopping a category,
> combine a filter with a sort, such as Rewards Type "Ultimate Rewards"
> sorted by fee.

---

## What's in the database

Most of the cards are current US products, with a small set of cards
from Sweden, Norway and Australia. Here's how the roughly 180 currently
available US cards break down.

| Issuer          | Cards |
| --------------- | ----- |
| Chase           | 37    |
| American Express| 34    |
| Barclays        | 19    |
| U.S. Bank       | 14    |
| Bank of America | 14    |
| Citi            | 11    |
| Capital One     | 11    |
| Wells Fargo     | 9     |
| Others (13 issuers) | 30 |

A few patterns stand out:

- **Most cards earn points or miles.** About 130 of the US cards earn a
  points or miles currency. Around 50 earn straight cash back.
- **Personal cards dominate.** About 130 are personal cards and about 50
  are business cards.
- **Visa leads on network.** Roughly 85 run on Visa, 57 on Mastercard and
  36 on American Express.
- **Lounge access is rare.** Only 30 of the US cards list any airport
  lounge access at all.

### Annual fees: most cards are cheap, a few are very expensive

| Annual fee      | US cards | Share |
| --------------- | -------- | ----- |
| $0              | 69       | 39%   |
| $1 to $100      | 54       | 30%   |
| $101 to $250    | 20       | 11%   |
| $251 to $450    | 13       | 7%    |
| $451 to $1,000  | 21       | 12%   |
| Over $1,000     | 2        | 1%    |

The median annual fee is **$95**, and more than two in three cards cost
$100 or less a year. The top of the market is where the action has been:
after the 2025 and 2026 refreshes, the Chase Sapphire Reserve costs $795,
and the Amex Platinum and Business Platinum cost $895 each. Those cards
earn their fees through statement credits, which is why the browser links
every card to a value calculation rather than just showing the fee.

---

## Reading a card's details

Open any card and you'll see four sections.

**Current Offer.** The welcome bonus, plus how much you must spend and in
how many days. "Get 75,000 points, Spend $5,000 in 90 days" means the
bonus posts only if you hit $5,000 in purchases within 90 days of
opening the account. Offers change often, so treat this as a snapshot and
confirm on the issuer's page before you apply.

**Earning Multipliers.** The bonus categories (travel, dining, groceries,
gas, hotels and so on) and the rate for **Everything Else**. A "5x" in
travel often applies only to bookings made through the bank's own travel
portal, so read the issuer's terms for the exact categories.

**Perks and Lounge Access.** Which lounge networks the card unlocks
(Priority Pass, Centurion, Chase Sapphire Lounges, airline clubs) and any
notes on guest policies. To see where those lounges actually are, use
[Lounges](/tools/lounges).

**Application Rules.** Whether the card counts toward Chase's 5/24 rule,
and any issuer restrictions on the bonus: once-per-lifetime limits,
24- or 48-month waiting periods, family rules and application velocity
limits. These rules decide whether you get the bonus at all, so read them
before the offer amount.

---

## Comparing welcome bonuses fairly

The **Bonus: High to Low** sort orders cards by the raw number in the
offer. That's a quick first pass, but points aren't equal. A 150,000-point
hotel bonus can be worth less than a 75,000-point bank bonus.

To compare, multiply the points by what each point is worth. These are
the default cents-per-point values AwardHack uses for card currencies
across its credit card tools:

| Currency                       | Value per point |
| ------------------------------ | --------------- |
| Bilt                           | 2.20¢           |
| World of Hyatt                 | 2.19¢           |
| Chase Ultimate Rewards         | 2.05¢           |
| Amex Membership Rewards        | 2.00¢           |
| Citi ThankYou                  | 1.90¢           |
| Capital One miles              | 1.85¢           |
| American Airlines AAdvantage   | 1.70¢           |
| United MileagePlus             | 1.50¢           |
| Delta SkyMiles                 | 1.25¢           |
| Marriott Bonvoy                | 0.93¢           |
| IHG One Rewards                | 0.69¢           |
| Hilton Honors                  | 0.59¢           |

Run the numbers on two bonuses that look very different:

- **150,000 Hilton points** × 0.59¢ = **about $885**
- **75,000 Ultimate Rewards points** × 2.05¢ = **about $1,538**

The smaller number is worth almost twice as much. The
[Card Recommender](/trackers/card-recommender) and the
[Card Value Calculator](/tools/card-value-calculator) do this conversion
for you, and you can override any valuation with your own.

Spending requirements matter too. In the US data, about 45 cards ask for
$1,000 or less to earn the bonus, while 10 ask for more than $10,000
(seven of them business cards). A bonus you can't earn with your normal
spending is worth nothing.

---

## Which fee tier fits you

**$0 cards** are for keeping. They build credit history, cost nothing to
hold, and many earn 1.5% to 2% on everything. They make good long-term
anchors and good downgrade targets for premium cards you no longer want.

**$95 to $150 cards** usually add a stronger bonus, better categories
and a transferable points currency or a hotel free night. For most people
this is the best value tier: the fee is easy to earn back.

**$250 to $450 cards** tend to be co-branded airline and hotel cards
with elite perks, or mid-tier premium cards with travel credits. They pay
off when you're loyal to the brand.

**$550 and up** cards are built on credits and lounge access. They can be
worth far more than the fee, but only if you actually use the credits.
Before you apply, run the card through the
[Card Value Calculator](/tools/card-value-calculator), and once you have
it, log each credit in the [Benefits Tracker](/trackers/benefits-tracker).

---

## Where to go from here

The browser answers "what's out there?" The other credit card tools answer
the follow-up questions:

- **Which card should I get next?** The
  [Card Recommender](/trackers/card-recommender) checks your wallet
  against issuer rules and ranks the bonuses you can actually get.
- **Is this card worth its annual fee?** The
  [Card Value Calculator](/tools/card-value-calculator) compares the
  benefits you'll use against the fee.
- **Which card should I use for this purchase?** The
  [Card Optimizer](/trackers/card-optimizer) compares your cards by
  category.
- **Where do I stand with 5/24?** The
  [Credit Card Tracker](/trackers/credit-card-tracker) keeps open dates,
  fees and bonus deadlines in one place.

---

## Frequently asked questions

### How many credit cards can I compare?

The browser lists more than 200 cards, including about 180 currently
available US personal and business cards from more than 20 issuers. You
can filter by issuer, network, rewards type, card type, annual fee and
limited-time offers.

### Is the Credit Card Browser free?

Yes. Browsing, filtering, sorting and opening card details are all free
and don't require an account.

### How do I find cards with no annual fee?

Open Filters and drag the Max Annual Fee slider to $0, or sort by Fee:
Low to High. Cards without a fee also carry a "No Fee" badge. About 39%
of the US cards in the database have no annual fee.

### What does Base Rate mean?

It's what the card earns on purchases outside its bonus categories, the
"everything else" rate. For a points card, a base rate of 1 means 1 point
per dollar. For a cash back card, it means 1% back.

### What does the Limited Time badge mean?

The card's welcome offer is currently higher than its usual public offer.
Elevated offers come and go, so if you were already planning to get the
card, a limited-time offer is a good reason to apply sooner.

### Why is a bigger bonus not always better?

Points from different programs have different values. 150,000 Hilton
points are worth about $885 at 0.59¢ each, while 75,000 Chase Ultimate
Rewards points are worth about $1,538 at 2.05¢ each. Compare bonuses in
dollars, not points.

### Will I definitely get the welcome offer shown?

Not necessarily. Issuers can show different offers to different people,
and rules like Chase 5/24 or once-per-lifetime limits can make you
ineligible. Check the Application Rules section for each card and
confirm the offer on the issuer's site before applying.

### Does the browser show which cards count toward Chase 5/24?

Yes, for cards in AwardHack's rules database. Open a card and look at the
Application Rules section. Cards that use up a 5/24 slot are labeled
"Counts towards 5/24."

---

## The bottom line

Start broad, then narrow. Filter the browser down to the cards that fit
your fee budget and the points you want, compare their bonuses in dollars
rather than raw points, and read the application rules before you fall in
love with an offer. Then check the fee math in the
[Card Value Calculator](/tools/card-value-calculator) before you apply.

---

Source: https://awardhack.com/tools/cc | Updated 2026-10-13