creditcardGenius is a personal, simple, and accurate credit card comparison engine using our math-based credit card scoring system. Developed by HowToSaveMoney creator, Stephen Weyman, creditcardGenius is a natural progression of our trusted and objective credit card rankings system built and fine-tuned over 8 years.

Now consumers can choose smarter and get rewarded faster. We track 116 U.S. credit cards from national card issuers so you get the best of the best. We’ve read through the fine print, compared 50+ features of each card, calculated the net annual rewards in real dollars, and built an advanced and unbiased comparison engine.

When it comes to your credit card, there’s no more guessing and confusion. You can make a Genius choice with clarity and confidence.

Our mission is to provide a platform where consumers can get a clear picture of how credit cards stack up against each other. We do this with:

  • Thorough and complete credit card listings.
  • Accurate and objective analysis through our math-based algorithm.
  • Independent ratings, rankings, and comparison results regardless of financial compensation.
  • Honest, helpful, and original content.

Read our answers to some Frequently Asked Questions.

The creditcardGenius algorithm calculates an estimated dollar value for all rewards and bonuses by using a typical point value a person can realistically achieve by redeeming their rewards in a reasonably optimized way. The "Welcome Bonus" is the dollar value obtained by combining of all one-time bonuses available to new cardholders within the first year. To qualify for the full bonus you may need to make purchases, meet minimum spending requirements, or complete special actions. Terms and conditions apply.