I get at least two credit card offers every day in the mail. It is mind-boggling to me all the different kinds of credit cards out there. I never know which one I should pick. Do I want airline miles? Do I want cash back? Do I want store rewards? Do I want fuel points? Which is the best value for the money I spend? I have so many questions and it’s hard to know where to turn. I can search the internet for the answer, but I just get bombarded with advertisements for 0% interest for 24 months and no annual fees.
Ninja Credit is a credit card comparison tool which allows users to indicate where and how they spend their money in various broad categories, and they do all the calculations to show you which cards would earn you the best rewards. You can compare over 540 credit cards on Ninja Credit. Don’t worry, they do it for you! All you have to do is answer a few questions, such as how good your credit score is, how much money you spend monthly, and how long you plan on keeping the card.
After you answer the questions, you are presented with the best options for your situation. My favorite feature is that it tells you how much your annual rewards will be based on the reward rate and the average you spend monthly. This makes it extremely easy to pick out which credit card will give back the most to you.
This tool also helped me see that paying an annual fee on a credit card might actually be worth the cost. Just by being willing to pay a fee under $100 annually for a rewards card, I could earn up to $650 annually based on my monthly spending.
No need to create an account or give your personal information. When you find a credit card that appeals to you, just click “Apply Now.”