SmartRatesUSA

Make the numbers
make sense.

SmartRates USA helps you compare financial products and run the numbers—so you can choose with confidence.

Compare ProductsCredit cards, loans, insurance and more side by side.CalculatorsRun the numbers with free, practical financial calculators.Smart Decision ToolsCompare important financial choices and their tradeoffs.Today’s RatesCheck current market benchmarks and recent changes.

Product comparison

Compare side by side

Products

2 selected
Chase Sapphire Preferred®×
Chase Sapphire Preferred® illustration
Popular choice
Citi Double Cash® Card×
Citi Double Cash® Card illustration
Popular choice
Add another
product
Annual Fee
$95
$0
APR
21.49%–28.49% Variable
17.49%–27.49% Variable
Rewards Rate
5x Chase Travel, 3x dining, gas/EV charging, online grocery, streaming & vacation rentals, 2x other travel
2% on everything (1% when you buy + 1% when you pay)
Welcome Offer
60,000 points after $4,000 spend in 3 months (~$750 in travel)
None
Credit Score Needed
700+ recommended
680+ recommended
Full comparison View cardView card

Popular tools

View all tools
Credit Card Payoff CalculatorSee how long it takes to pay off debt and what it will cost.Auto Loan CalculatorEstimate monthly payments and total loan costs.Mortgage CalculatorEstimate your payment and see how much you can afford.Savings CalculatorPlan for your goals and watch your savings grow.

Practical guides

View all guides
How to choose the right credit cardA practical guide to finding the card that fits your wallet.Understanding APR: What it really meansLearn how APR affects your costs and how to compare offers.Credit score 101: What you need to knowThe essentials of credit scores and how to build yours.

More ways to use SmartRates USA

Start with a question. Finish with a clearer next step.

Explore the platform through four different experiences, depending on whether you want to decide, calculate, compare options, or learn.

Guided comparisons

Smart Decision Tools

Work through the choices behind a financial decision. Each tool combines your priorities with the numbers, then shows where the tradeoffs really are.

  • Answer a few focused questions
  • Compare benefits and compromises
  • Leave with a practical next step
Explore decision tools
Decision preview

Rent vs. buy

What matters most to you?

Step 2 of 4

Building equity

I plan to stay long enough for ownership costs to make sense.

Keeping flexibility

Moving easily and limiting upfront costs matter more right now.

Your priorities lean toward buying68%

Next, compare the five-year cost using your local rent and home price.

Clear calculations

Financial Calculators

Enter your real numbers and see the result immediately. Adjust assumptions, compare scenarios, and save the version you want to revisit.

  • 60+ calculators across major money topics
  • Transparent inputs and instant results
  • Save, share, email, or export scenarios
Browse all calculators
Calculator preview

Loan details

Loan amount

$320,000

Interest rate

6.25%

Loan term

30 years

Your estimate

$1,970 / month

Total interest

$389,200

Extra $200/mo saves

$96,410

Explore the alternatives

Options Explorer

Start with the situation you are facing—not a product name. See the realistic routes available, who they may suit, and what to investigate next.

  • Choose a real-life financial goal
  • See several paths side by side
  • Understand fit, risks, and next actions
Explore your options
Options map
I want to handle credit card debt

Balance transfer

Strong credit and a clear payoff plan

Consolidation loan

One fixed payment at a lower rate

Faster payoff

Keep accounts and direct extra cash

Compare what changes

View details →
Monthly costPayoff speedApproval fit
Build financial confidence

Learning Center

Learn in the format that works for you: short lessons, practical guides, direct answers, or a structured path from first principles to action.

  • 110 focused lessons across 16 topics
  • Seven goal-based learning paths
  • Useful calculators linked inside lessons
Start learning
Learning path

Build credit path

From first report to stronger habits

✓Understand your credit report6 min
2Learn what affects your score8 min
3Build an on-time payment system5 min
4Use credit utilization wisely7 min
38% complete
Independent. Unbiased. Here to help you make smarter financial decisions.