Top Credit Cards of 2023

Whether you want to earn travel rewards for a vacation, get some cash back to offset rising expenses, or do balance transfer to avoid paying high interest rates — today’s offers may be most beneficial to you as they now have the highest online sign up bonuses and longest 0% APR rates.

Cash Back

Balance Transfer

Travel

Business

Student

Gas

No Annual Fee

Hotel

Featured Offers
From Our Partners

Best for Cash Back

Chase Freedom Unlimited®: This is a terrific everyday rewards card that offers between 1.5% and 5% cash back on everything. We gave this card the top spot because it’s well-rounded and easy to use, with flexible redemption options and extra perks like extended warranty protection and travel insurance. Plus, there’s no annual fee, so you don’t need to worry about putting enough spend on your card each statement period or year to make it worth it.
.
It also comes with a generous bonus offer; earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) – worth up to $300 cash back! Tack on a 0% intro APR for 15 months on purchases and balance transfers and it’s a terrific option for anyone looking to save a ton of money on everyday purchases.
.
Citi Custom Cash℠ Card: Few cards adapt to your spending habits like the Citi Custom Cash℠ Card, since it automatically earns 5% cash back in your top eligible spending category (on up to $500 in spending each billing cycle). The card’s eligible categories also include a number of options that don’t typically earn such a high cash back rate like gas stations, transit and home improvement stores. This also makes the Citi Custom Cash℠ Card an excellent secondary rewards card if your primary card covers your largest expenses.
.

Combination of no annual fee, low interest, $200 sign-up bonus and high rewards earning rate, makes this card a second best option for cash back category.

Best for Travel

Capital One Venture Rewards Credit Card: When it comes to simplicity and strong rewards, the Capital One Venture Rewards Credit Card is a solid choice for most travelers. You’ll earn earns 2x miles on every purchase with no bonus categories to memorize, making it an ideal card for those with busy lives.

New cardholders also get a much elevated bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel. Although there is a $95 annual fee, the card has no foreign transaction fees and reimburses up to $100 in TSA PreCheck or Global Entry application fees every four years.

Best for Balance Transfer

Citi Simplicity®: We chose the Citi Simplicity as the best balance transfer card primarily due to its exceptionally long 21-month 0% APR introductory period along with consumer-friendly terms like no annual fee and no late fees or penalty rates.

While Simplicity offers no rewards, we don’t consider that a negative in the case of a balance transfer card, as rewards can tempt counterproductive additional spending when trying to dig out from debt. Citi does charge a $5 or 5% of the amount of each transfer (whichever is greater), but the length of the introductory period justifies the extra cost in terms of savings potential.

Citi® Diamond Preferred® Credit Card: This card is also an excellent choice for transferring a balance. It offers a 0% introductory rate on purchases for 12 months and 0% on balance transfers for 21 months.

Balance transfers must be completed within four months of account opening and incur a 5% fee (min $5) of the amount transferred. After the promotion expires, the interest rate reverts to a variable APR ranging from 17.49% to 28.24%, depending on your creditworthiness. The card does not charge an annual fee.

Best for Business

Ink Business Cash® Credit Card: This card is a great option for small businesses that regularly make purchases from office supply stores or have significant bills from their internet, cable and phone services providers due to its bonus rewards on these purchases. It also now offers one of the best welcome bonuses on the market.

American Express Blue Business Cash™ Card: This is a great card for business owners who want an easy-to-use business card packed with features that can help you manage operations. Along with a nice flat rate on all eligible purchases, you also get plenty of expense management tools like free employee cards and access to business software to help you track your spending. Plus, the card comes with Expanded Buying Power, which can offer some peace of mind if you get stuck with unforeseen expenses.

Best for Building Credit

Petal® 1 “No Annual Fee” Visa® Credit Card: This card can offer a path to credit — and even rewards — for people with a less-than-ideal cash flow or credit history. The issuer can look beyond just credit scores to determine eligibility.

Capital One Platinum Credit Card: This is perhaps the most accessible secured card available. You can put down a deposit of just $49 or $99 (if you qualify) and still get a minimum $200 credit limit. Capital One may also refund your security deposit after only six months of responsible card use — the shortest automatic account review period you’ll find.

Best for Students

Discover it® Student Cash Back: Students will be hard-pressed to find a starter credit card that offers more value than the Discover it Student Cash Back. Not only do you get an unsecured card to help build credit, but you’ll also get the same first-year welcome offer and high rewards rate as the full-fledged Discover it Cash Back card.