Cardnivo Credit card finder
By BestCreditCards Find your best card. See the catch.
Tell us about your credit and what you want from a card, and see which of the 141 US cards we have checked fit you, with why each one matched and its catch. There’s no credit check, and nothing you enter is stored.
Cardnivo by BestCreditCards
This doesn’t check your credit. Matches come only from your answers and each issuer’s published terms, and only the issuer can tell you whether you’d be approved. Order is by fit, never by payment: we currently earn nothing from any card. How we get paid
52 of 141 cards fit your answers
Left out: 6 whose issuer states a higher credit level; 5 for students only; 21 that need a deposit; 17 that need a membership or an existing account; 40 that don’t offer what you picked, or whose rewards we can’t value.
- 1
Citizens Summit® World Mastercard®
Citizens
- Worth $372 a year on $1,500 a month of spending, after fees
- No annual fee
Citizens doesn’t state a credit level for this card on the pages we checked.
The catchEverything outside dining and groceries earns 1.5%, so against a flat 2% card you need more than $5,000 a year at restaurants and grocery stores for every $10,000 you spend elsewhere just to break even.
Not forAnyone whose dining and grocery spending is less than half their other spending (a flat 2% card then earns more), or who spends abroad without a Citizens Quest or Private relationship, because of the 3% foreign transaction fee.
Apply on the issuer’s site We don’t earn from this card. - 2
Citi Double Cash® Card
Citi
- Worth $360 a year on $1,500 a month of spending, after fees
- No annual fee
Citi doesn’t state a credit level for this card on the pages we checked.
The catchA 3% fee on foreign purchases, and the intro 0% applies only to balance transfers, which cost 3% (at least $5) in the first 4 months and 5% after.
Not forAnyone who spends abroad, because of the 3% foreign purchase fee, or who carries a balance on new purchases: the 0% intro rate covers balance transfers only.
Apply on the issuer’s site We don’t earn from this card. - 3
PNC Cash Unlimited® Visa Signature® Credit Card
PNC Bank
- Worth $360 a year on $1,500 a month of spending, after fees
- No annual fee
PNC Bank doesn’t state a credit level for this card on the pages we checked.
The catchYou must qualify for a credit line of at least $5,000, and the 0% intro APR is for balance transfers only, which cost 4% (at least $5) in the first 90 days, so moving $5,000 costs $200.
Not forAnyone unlikely to qualify for a credit line of at least $5,000, which PNC requires, or who needs 0% on new purchases: the intro rate covers balance transfers only.
Apply on the issuer’s site We don’t earn from this card. - 4
Synchrony Premier World Mastercard®
Synchrony Bank
- Worth $360 a year on $1,500 a month of spending, after fees
- No annual fee
Synchrony Bank doesn’t state a credit level for this card on the pages we checked.
The catchA 3% foreign transaction fee, and an APR of up to 33.24% depending on the tier Synchrony gives you.
Not forAnyone who spends abroad or with foreign merchants: the 3% foreign transaction fee is more than the 2% earned. Synchrony doesn’t say which of its three APR tiers you will get before you apply.
Apply on the issuer’s site We don’t earn from this card. - 5
TD Double Up℠ Credit Card
TD Bank
- Worth $360 a year on $1,500 a month of spending, after fees
- No annual fee
TD Bank doesn’t state a credit level for this card on the pages we checked.
The catchForeign transactions cost 3%, and balance transfers cost 3% (at least $5) in the first 90 days and 5% after.
Not forAnyone who spends abroad, because of the 3% foreign transaction fee.
Apply on the issuer’s site We don’t earn from this card.
How Cardnivo matches you to a card
Cardnivo compares your answers with each card’s record, taken from the issuer’s own published terms. It never checks your credit and never sends your answers anywhere: the matching runs in your browser.
- Your credit. 50 of the 141 cards have a credit level stated by their issuer, such as “Good to excellent credit”. A card is left out if its issuer states a level above yours. The issuer’s own words are shown with each match. Where an issuer states no level, the card is still shown if your credit is good or excellent, and after the cards that do state a fit if it isn’t.
- What you want. Each goal keeps only the cards that offer it: a 0% intro APR on balance transfers or on purchases, no annual fee, a higher rate on travel, or the features issuers name for building credit. Rewards are ranked by what each card is worth to you a year after fees, on your spending spread like our example profile.
- What you can get. Cards that need a security deposit, are for students only, or need a membership or an existing account (20 cards, such as credit unions’) are shown only if you say so.
- The next step. 17 cards’ issuers say you can check whether you’re likely to be approved without affecting your credit score. Where they do, the match links to the issuer’s page.
What Cardnivo can’t tell you
- Whether you’d be approved. Only the issuer can say, and issuers weigh more than a credit level: income, debts and your history with them. A stated credit level is the issuer’s guide, not a promise.
- The whole market. These are the 141 cards we have checked, not every card in the United States.
- Your exact rewards. We assume your spending is spread like the average middle-income US household’s, from the BLS Consumer Expenditure Survey. For your own categories, use the calculator on our best credit cards page.
- Today’s terms. Each card’s figures are as of the date we checked them. Read the issuer’s terms before you apply.
If you carry a balance, compare borrowing costs as well as rewards. Our credit card interest and repayment calculator lets you try a balance, APR and monthly payment before choosing a card.
Approved for publication by Matt Woodley on October 6, 2026. Figures are checked automatically against a saved copy of each issuer’s terms. How we check every figure