Editor's pick
BMO ·
BMO CashBack Mastercard
$0
No rewards
—
None
—
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Compare top picks by category, run the numbers on rewards and interest, and read plain-language guides — everything to make a smarter card decision.
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Seven paths
Pick the path that fits your spending.
We'll surface the right cards, calculators, and reading for your situation — no fluff.
Tools
Run the numbers for cash back
Spend simulator · live
Match your spending to the card that wins.
Drag your monthly spend in each category. The leaderboard re-ranks live to show which card earns you the most — after annual fees.
Your monthly spend
$2,000
🛒Groceries$600/mo
$0$1,000$2,000
🍽️Dining$300/mo
$0$750$1,500
⛽Gas$200/mo
$0$400$800
✈️Travel$400/mo
$0$1,250$2,500
🛍️Other$500/mo
$0$1,500$3,000
Top match · Brex
Annual rewards · net of fees
01$261
02$242
03$230
04$131
05$87
06$87
07$87
08$-511
All cards · compared
35 cards. One table.
| Welcome offer | Rewards rate | APR | ||||
|---|---|---|---|---|---|---|
BMO CashBack Mastercard BMO · Cash Back | $0 | — | — | — | → | |
PenFed Power Cash Rewards Visa Signature® Card PenFed · Cash Back | $0 | — | — | — | → | |
REI Co-op Mastercard Capital One · Cash Back | $0 | — | — | — | → | |
American Express Cash Magnet® Card American Express · Cash Back | $0 | — | — | — | → | |
Discover it® Cash Back Discover · Cash Back | $0 | — | — | — | → |
Run the numbers
Should you do a balance transfer?
Adjust your debt, APR, and payment. We'll compare staying put against a 0% intro transfer — fees included.
Current balance$6,500
Current APR22%
Intro 0% period21 months
Transfer fee3%
Monthly payment$300
Stay put
$1,859
in interest · 28 mo
vs
Balance transfer
$204
incl. $195 fee · 23 mo
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