Credit-card offer comparison

Put both offers on the same worksheet.

Normalize the first-year value and penalize spending that was not already in your plan.

← All credit-card tools

Side-by-side credit-card tool

Compare two card offers

Normalize bonuses, annual fees, usable credits, rewards, and any spending beyond your plan.

Expected first-year card spending$Already-planned spend in bonus window$

Offer ABonus pointsValue per point¢Annual fee$Credits you will actually use$Effective rewards rate%Required spend$

Offer BBonus pointsValue per point¢Annual fee$Credits you will actually use$Effective rewards rate%Required spend$

Offer A conservative first-year value$865

Offer B conservative first-year value$660

Higher entered valueOffer ADifference: $205

This does not evaluate approval odds, credit-score effects, issuer eligibility rules, transfer partners, insurance, or consumer protections. Confirm current official terms.