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Compare credit cards side by side

Pick up to 4 cards and compare fees, rewards and lounge access in one view.

Card
American Express Payback Card ✕ remove
The Platinum Card from American Express ✕ remove
Discover it Secured Credit Card ✕ remove
Prime Visa (Amazon) ✕ remove
Annual fee No annual fee$695No annual feeNo annual fee
Rewards rate 1 Payback point per 2 euros (more with partners)5x flights booked with Amex Travel or airlines, 5x prepaid hotels via Amex Travel, 1x other2% at gas stations and restaurants (on up to $1,000 in combined purchases each quarter), 1% on all other purchases5% at Amazon, Whole Foods, Amazon Fresh & Chase Travel (with Prime), 2% gas/dining/transit, 1% other
Rewards highlight Collect Payback points on all spendingMost lounge access of any cardRewards on a secured card5% at Amazon & Whole Foods
Welcome bonus Bonus Payback points after first purchasesLarge Membership Rewards welcome offerCashback Match doubles all cash back earned at the end of the first yearAmazon gift card on approval
Intro APR Not applicableNoneNoneNone
Regular APR Not applicable (charge card, paid in full)See terms (Pay Over Time)28.24% variable20.49%–29.24% variable
Foreign fee 2% on foreign currency purchasesNoneNoneNone
Lounge access ❌ No✅ Centurion Lounges, Priority Pass, Delta Sky Club (when flying Delta), Plaza Premium and more — the largest lounge network of any card❌ No❌ No
Credit needed Positive SCHUFA, regular incomeExcellent (740+)New / rebuilding creditGood (690+)
Best for Payback collectors who want points on routine spendingFrequent flyers who'll exhaust the lounge access and statement creditsBuilding or rebuilding credit while still earning rewardsPrime members who spend heavily at Amazon and Whole Foods
Network AmexAmexDiscoverVisa
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🇺🇸 Showing United States cards · change with the 🌐 selector top-right
Chase Sapphire Preferred Card
$95/yr
+
Capital One Venture X Rewards
$395/yr · ✈ lounge
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Chase Sapphire Reserve
$550/yr · ✈ lounge
+
Chase Freedom Unlimited
No annual fee/yr
+
The Platinum Card from American Express
$695/yr · ✈ lounge
✓
Prime Visa (Amazon)
No annual fee/yr
✓
Chase Freedom Flex
No annual fee/yr
+
American Express Gold Card
$325/yr
+
Blue Cash Preferred Card from American Express
$95/yr
+
Capital One Venture Rewards
$95/yr
+
Citi Double Cash Card
No annual fee/yr
+
Discover it Cash Back
No annual fee/yr
+
Wells Fargo Active Cash Card
No annual fee/yr
+
Ink Business Preferred Credit Card
$95/yr
+
Ink Business Unlimited Credit Card
No annual fee/yr
+
Discover it Secured Credit Card
No annual fee/yr
✓
Citi Custom Cash Card
No annual fee/yr
+
Costco Anywhere Visa Card by Citi
No annual fee/yr
+
Citi Strata Premier Card
$95/yr
+
Ink Business Cash Credit Card
No annual fee/yr
+
Capital One Savor Cash Rewards Credit Card
No annual fee/yr
+
Discover it Student Cash Back
No annual fee/yr
+
The Business Platinum Card from American Express
$695/yr · ✈ lounge
+
Capital One SavorOne Cash Rewards Credit Card
No annual fee/yr
+
Capital One Quicksilver Cash Rewards
No annual fee/yr
+
Bank of America Customized Cash Rewards
No annual fee/yr
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Apple Card
No annual fee/yr
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U.S. Bank Altitude Reserve Visa Infinite
$400/yr · ✈ lounge
+
Blue Cash Everyday Card from American Express
No annual fee/yr
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American Express Business Gold Card
$375/yr
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Bank of America Premium Rewards Credit Card
$95/yr
+
Wells Fargo Autograph Card
No annual fee/yr
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U.S. Bank Cash+ Visa Signature Card
No annual fee/yr
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U.S. Bank Altitude Go Visa Signature Card
No annual fee/yr
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Wells Fargo Autograph Journey Card
$95/yr
+
Capital One Platinum Secured
No annual fee/yr
+
Target RedCard Credit Card
No annual fee/yr
+
Citi / AAdvantage Platinum Select World Elite Mastercard
$99/yr
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Bank of America Travel Rewards Credit Card
No annual fee/yr
+
U.S. Bank Smartly Visa Signature Card
No annual fee/yr
+
Citi Rewards+ Card
No annual fee/yr
+
Wells Fargo Reflect Card
No annual fee/yr
+
JetBlue Plus Card
$99/yr
+
Sam's Club Mastercard
No annual fee/yr
+
OnePay (Walmart) Cash Back Card
No annual fee/yr
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AAdvantage Aviator Red World Elite Mastercard
$99/yr
+
PayPal Cashback Mastercard
No annual fee/yr
+
REI Co-op Mastercard
No annual fee/yr
+
Lowe's Advantage Card
No annual fee/yr
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My Best Buy Visa Card
No annual fee/yr
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Verizon Visa Card
No annual fee/yr
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Macy's American Express Card
No annual fee/yr
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Gap Good Rewards Visa Credit Card
No annual fee/yr
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Nordstrom Credit Card
No annual fee/yr
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Synchrony HOME Credit Card
No annual fee/yr
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Kohl's Card
No annual fee/yr
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Old Navy Credit Card
No annual fee/yr
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New Fintech Rewards Card (Reported / Coming Soon)
No annual fee/yr
+
American Express Business Gold (2026 Refresh)
No annual fee/yr
+
U.S. Bank Cash+ (2026 Category Refresh)
No annual fee/yr
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