Free Credit Tools
Calculate your score, compare cards, and find your perfect match — all free, no account needed.
Credit Score Calculator
Adjust the sliders to match your situation and see your estimated FICO score instantly.
35% of your score — most important factor
30% of score. Keep under 10% for best results.
Your Estimated Score
696
Good
Good score! Reducing utilization below 10% could push you higher.
See Cards You Qualify For →Credit Card Comparison Tool
Pick any two cards and compare them side-by-side.
💎
Chase Sapphire Preferred
Travel beginners
✈️
Chase Sapphire Reserve
Frequent travelers
| Annual Fee | $95/yr | $550/yr |
| Effective Fee | ~$45/yr | ~$250/yr |
| Welcome Bonus | 60,000 pts ($750) | 60,000 pts ($900) |
| Dining Rewards | 3x | 3x |
| Travel Rewards | 2x | 3x |
| Other Purchases | 1x | 1x |
| APR Range | 21.49%–28.49% | 22.49%–29.49% |
| Min. Credit Score | 700+ | 720+ |
Not sure which card fits you?
Answer 4 quick questions and get a personalized recommendation.
Take the Card Finder Quiz →