Credit Card Comparison Tool
Compare two to four credit cards side by side on the same spend profile. See net annual value, rewards breakdown, credits, perks, and annual fees via the OneCard engine.
Interactive calculator
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How the comparison tool works
- 1Select two, three, or four credit cards from the Flo catalog.
- 2Customize your monthly spend across eight categories or use our default US spend profile.
- 3The OneCard engine projects annual rewards, credits, and perks for each card on identical spend.
- 4The card with the highest net annual value wins — with a full breakdown of rewards, benefits, and fees.
Credit card comparison: what actually matters
Most comparison tools rank cards by marketing multipliers — 5x dining sounds great until you realize you spend $50/month on restaurants. Flo compares cards on your actual spend profile so the winner reflects your wallet, not a hypothetical power user.
We also factor in annual fees, statement credits, and estimated perk value. A $695 premium card with $640 in credits can beat a no-fee card for the right spender.
Popular card matchups
Browse editorial head-to-head comparisons like Amex Gold vs Chase Sapphire Preferred, or run your own matchup on any cards in our directory. Shareable URLs let you save and send your comparison.
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FAQ's
Up to four cards on the same spend profile. The tool highlights the winner by net annual value.
Yes. Adjust monthly spend in each category. Your profile is encoded in the URL so you can share the comparison.
Editorial pages at /compare/[slug] show static head-to-head analysis. This interactive tool lets you pick any cards and customize spend in real time.
Yes. Net annual value subtracts the annual fee after adding projected rewards, credits, and perks.