Credit Card Comparison · 2026
Which card actually matches how you spend?
Drag the sliders below. Watch your real annual rewards update live across every card — then decide for yourself.
Your spending. Your rewards.
Adjust the sliders to match your monthly spend — watch the numbers update in real time.
Projected Annual Rewards
Swipe
Up to 5% on your categories
Chase Sapphire
Up to 5% on travel
Amex Gold
Up to 4% on dining
Swipe earns $111 more than the next best card for your spend.
See Your Full Rewards Breakdown →Every category. Every card.
The periwinkle glow marks the winner per row. No asterisks. No fine print buried.
| Category | Chase Sapphire Preferred | Amex Gold Membership Rewards | Swipe Cash Back |
|---|---|---|---|
🚗Rideshares & Transit | 2% cash back | 1% cash back | 5% cash back Best |
📺Streaming Services | 1% cash back | 4% cash back | 5% cash back Best |
📦DTC Subscriptions | 1.5% cash back | 2% cash back | 4% cash back Best |
🍜Dining & Delivery | 3% cash back | 4% cash back | 4% cash back |
🛍️Online Shopping | 1.5% cash back | 2% cash back | 4% cash back Best |
✈️Travel & Hotels | 5% via portal | 4% cash back | 3% cash back |
Fine print, made legible.
Every fee, every rate — side by side. Scroll through like a spreadsheet coming alive.
Fee Structure
Annual Fee
Waived first year
Swipe
$0 first year, then $95
Chase
$95/yr
Amex
$250/yr
Foreign Transaction Fee
For international travel
Swipe
None
Chase
None
Amex
2.7%
Late Payment Fee
Swipe
Up to $29
Chase
Up to $40
Amex
Up to $40
Cash Advance Fee
Swipe
3% or $10 min
Chase
5% or $10 min
Amex
5% or $10 min
Balance Transfer Fee
Swipe
3% for 15 months
Chase
5% or $5 min
Amex
N/A
APR Context
Purchase APR
Swipe
19.99%–27.99%
Chase
21.49%–28.49%
Amex
21.99%–29.99%
Intro APR (Purchases)
Swipe
0% for 15 months
Chase
None
Amex
None
Cash Advance APR
Swipe
29.99%
Chase
29.99%
Amex
29.99%
Penalty APR
Swipe
None
Chase
Up to 29.99%
Amex
Up to 29.99%
0% Intro APR for 15 months
Swipe is the only card in this comparison offering a 0% intro APR on purchases — critical if you're carrying a balance while paying off student debt.
Their numbers. Not ours.
Specific savings from real people who spend like you.
Marcus Webb
Product Manager · San Francisco, CA
"I was paying $340/month on Uber and streaming alone. Swipe's 5% cashback on rideshares alone gets me back $204 a year. That's two months of Spotify."
Top Spend Category
Rideshares + Streaming
Annual Savings
$612/yr
Priya Nair
Freelance UX Designer · Austin, TX
"Every other business card I looked at wanted 2+ years of credit history. Swipe approved me in 4 minutes. I put all my Adobe and Figma subscriptions on it immediately."
Top Spend Category
DTC Subscriptions
Annual Savings
$290/yr
Jordan & Casey Liu
Software Engineer + Nurse · Seattle, WA
"We've been pooling points for Lisbon for 18 months. With Swipe's cashback structure we're already 60% of the way there — and we haven't changed how we spend at all."
Top Spend Category
Travel + Dining
Annual Savings
$847/yr
Alexis Torres
Content Creator · Brooklyn, NY
"I run everything through subscriptions — Notion, Canva, Dropbox, Mailchimp. Swipe treats DTC like a first-class spend category. No other card does that."
Top Spend Category
Subscriptions + Shopping
Annual Savings
$388/yr
See Your Full Rewards Breakdown
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