NerdWallet believes that bank credit card offers are best compared using our credit card comparison engine. It allows you to search over 500 US credit cards at once – and if you decide to get in the weeds, you can sort by various important stats, like low APRs, rewards, or introductory balance transfer rates. We even have a ridiculously large list of business credit cards.
Why doesn’t anyone else have an online credit card search tool worth two licks?
Save time by comparing everything at once! Unless you find it fascinating to spend years building the mother of all Excel spreadsheets, and digging through fine print on hundreds of online credit card offers, like we’ve done over the past few years.
Online credit card data is highly biased. About 10% of the credit cards on our site pay commission, and 90% do not. Needless to say, nobody else bothers listing the other 90% of credit cards.
In fact, sites have a strong incentive NOT to list the other cards, especially the good ones. For the same reason that most men don’t bend over backwards to introduce their wives to billionaire playboys.
Is there a difference between online banks and ones made out of brick?
NerdWallet lists online credit cards from both types of institutions. For example, you can get cards online from both First Command Bank, which has 1 branch in Texas, and from Bank of America, which has thousands of branches. In fact, we make an effort to vet every bank credit card before we list them. Sometimes we find things that are likely scams.
Regardless, we encourage you to choose the lowest APR card possible, or the highest reward card possible, regardless of whether there is a brick and mortar branch office in your neighborhood. Most functions can be handled online these days, and you can always rely on your checking account provider for the rest.