How to use the credit card finder
- Enter your rough monthly spending in each category.
- Add your yearly income to hide cards above the bank's stated minimum. This is optional.
- Read the ranked list. Open a card to see its full fees, limits and eligibility.
How net value is worked out
Net value = rewards a year + lounge value − renewal fee × 1.18
We count rewards up to each monthly limit and nothing above it. Spends a card gives no rewards on count as zero. A rate paid at one brand counts only if you tick that brand. Welcome gifts are left out, because they come only once. This is cautious on purpose, so a card may do a little better than shown.
See every card
Browse all credit cards, or enter the terms of cards you already hold in the credit card comparison tool.
Frequently asked questions
How does this credit card finder rank cards?
It works out what each card earns on your spending, applies the card's bonus rates and monthly limits, then takes off the renewal fee with 18% GST unless your spending meets the waiver. The highest net value comes first.
Does BlogBanking earn money from these cards?
Some Apply buttons are partner links, and the bank or its partner may pay us a fee if you get a card. This has no effect on the order. Cards with no partner link are ranked in the same way.
Will I be approved if a card ranks first?
Not always. The bank alone decides approval and your limit, based on your income, credit score and its own rules. The income filter only uses the minimum the bank has published.
Is my spending data saved?
No. The figures stay in your browser and in the page address. They are not sent to us or to any bank when you click Apply.