10 Best Credit Cards for 2023

Picking the best credit card for you depends on how you use it, how often you use it and what sort of purchase you plan on making with it, which means there’s no one-size-fits-all best credit card. For that reason, we have rounded up our best credit cards across these categories: Cash Back, Balance Transfer, Travel, Rewards and Airline

CardCritics, GOBankingRates’ resident credit card experts, identified the credit cards by compiling and extensively analyzing data on all of the major credit cards available, then rating them on a 5-star rating system. The comparison factors include annual fees, APRs, sign-up bonuses, ongoing rewards, accessibility, redemption options and more. These factors were then weighted by importance to focus on key features that are most important in each specific category.

Top choice for Balance Transfer / Cash Back / Rewards

Capital One SavorOne Rewards

4.8

/5

Score

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Why we like it

The Capital One SavorOne Rewards Card is a strong option for those who spend regularly on dining, entertainment, streaming services and groceries because you can earn an unlimited 3% cash back on those categories. You can also earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel and earn 10% cash back on purchases with Uber and Uber Eats. Plus, enjoy complimentary Uber One membership statement credits through 11/14/2024. You’ll earn 1% cash back on all other purchases. There’s no annual fee for the SavorOne Rewards Card. The card offers a 0% intro APR on purchases and balance transfers for 15 months; APR after that; a 3% fee applies on the amounts transferred within the first 15 months. Finally, there is a cash back welcome offer of $200 when you spend $500 on purchases within the first three months.

Purchase APR

Annual Fee

Welcome Bonus

Balance Transfer APR

0% intro APR on balance transfers for 15 months, then

Recommended Credit Score

Excellent/Good
670- 850*

Rewards

10% cash back on purchases with Uber and Uber Eats, 8% cash back on Capital One Entertainment purchases, 5% cash back on hotels and rental cars booked through Capital One Travel, 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®)

Benefits

  • Strong rewards rates
  • Generous welcome offer

Pros & Cons

Welcome bonus

No annual fee

Intro APR for the first 15 months

Requires good to excellent credit

Key Features

  • No rotating categories or sign-ups needed to earn cash rewards
  • 10% cash back on purchases with Uber and Uber Eats and complimentary Uber One membership statement credits through November 14, 2024

Top choice for Cash back / Rewards

American Express Blue Cash Preferred®

4.8

/5

Score

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Why we like it

The American Express Blue Cash Preferred Card offers impressive, well-rounded benefits. For starters, there are incredible cash back rates on groceries, streaming services, gas and transit expenses. You’ll earn 6% cash back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%), 6% back on US streaming subscriptions, 3% back as U.S. gas stations and on transit and 1% on all else. This card has an annual fee of $95 that is waived the first year, but you only need to spend $30.44 on groceries a week for your cash back earned to surpass the cost of the annual fee. There’s also a cash back welcome offer: You earn a $250 statement credit after you spend $3,000 in purchases on your new card within the first six months.

Purchase APR

Annual Fee

Welcome Bonus

Balance Transfer APR

Recommended Credit Score

Excellent/Good
670- 850*

Cash Back

6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, 6% on select U.S. streaming subscriptions, 3% at U.S. gas stations and on transit, 1% on other purchases

Benefits

  • Exceptional cash back potential
  • Generous welcome offer

Pros & Cons

Robust rewards for grocery and streaming purchases

Welcome offer

Intro APR for the first year

There’s a annual fee

Key Features

  • $7/month back on The Disney Bundle after you spend $13.99 or more each month on an eligible subscription with your Blue Cash Preferred Card
  • 3% cash back at U.S. gas stations and on transit

Top choice for Cash Back / Rewards

Chase Freedom Unlimited®

5

/5

Score

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Why we like it

The Chase Freedom Unlimited Card excels when it comes to cash back, with a generous rate and no hassle of dealing with revolving categories, deadlines, or activating offers. The unlimited rewards are 5% for travel purchases through Chase Ultimate Rewards, 3% for dining and drugstores and 1.5% on all other purchases. There’s no minimum redemption amount and the rewards points don’t expire. You can redeem them for cash back, gift cards, or travel through the Ultimate Rewards website. Plus, you can earn a $200 cash bonus after spending $500 in the first three months; and, for a limited time, you will earn 5% back on grocery store purchases on up to $12,000 spent in the first year (excluding Target and Walmart). All of this from a card with no annual fee.

Purchase APR

Annual Fee

Welcome Bonus

Balance Transfer APR

0% intro on balance transfers for 15 months, then

Recommended Credit Score

Excellent/Good
670- 850*

Cash Back

Earn unlimited 1.5% cash back or more on all purchases, like 3% on dining and drugstores and 5% on travel purchased through Chase.

Benefits

  • Strong and straightforward rewards rate
  • Generous welcome bonus

Pros & Cons

Welcome bonus

No annual fee

Intro APR for purchases and balance transfers

Requires good to excellent credit

Key Features

  • Free Credit Score and Identity Restoration with Credit Journey
  • Trip Cancellation/Interruption Insurance

Top choice for Balance Transfer

Union Bank® Platinum™ Visa®

Union Bank® Platinum™ Visa®

5

/5

Score

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Union Bank® Platinum™ Visa®

Why we like it

The Union Bank Platinum Visa Card is a great option for those interested in balance transfers or who simply want extra time to pay off larger purchases without accruing interest charges. The card has a 0% intro APR on purchases and balance transfers for 15 months, then . Any balance transfers completed within 60 days of opening the account have a $0 introductory balance transfer fee (after that there’s a 3% fee for each transfer or minimum of $10). While the card doesn’t offer rewards, it makes up for that with the intro APR offers, lack of an annual fee and added security features.

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Purchase APR

0% intro APR on purchases for 15 months, then

Annual Fee

$0

Welcome Bonus

N/A

Balance Transfer APR

0% intro APR on balance transfers for 15 months, then

Recommended Credit Score

Excellent/Good
670- 850*

Rewards

N/A

Benefits

  • Generous intro APR period
  • 24/7 card inquiry service, emergency card replacement and cash disbursement and zero fraud liability

Pros & Cons

Intro APR for the first 15 months

No annual fee

No introductory balance transfer fee

Must apply for the card in a branch

Key Features

  • Pair your card with payment services like Apple Pay®, Google Pay™ and Samsung Pay®
  • State-of-the-art security features

Top choice Balance for Transfer

BankAmericard®

5

/5

Score

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BankAmericard®

Why we like it

The BankAmericard is a straightforward card for those looking to save money on interest on purchases and balance transfers. The card comes with a 0% introductory APR for 21 billing cycles for purchases and any balance transfers made in the first 60 days. After the intro APR offer ends, APR will apply. A 3% fee (min $10) applies to all balance transfers. There is no penalty APR, meaning rates won’t skyrocket if a payment is missed. The BankAmericard has no annual fee and offers state-of-the-art security features, access to your FICO score and digital wallet technology.

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Purchase APR

Annual Fee

Welcome Bonus

Balance Transfer APR

Recommended Credit Score

Excellent/Good
670- 850*

Rewards

N/A

Benefits

  • Generous intro APR period
  • Paying late won’t automatically raise your interest rate

Pros & Cons

Intro APR for the first 21 billing cycles

No annual fee

No penalty APR

No rewards are offered

Key Features

  • Access your FICO® Score for free within Online Banking or your Mobile Banking app
  • State-of-the-art security features

Top choice for Travel / Rewards

4.7

/5

Score

get started

Why we like it

The Wells Fargo Autograph Card has a massive welcome bonus that’s one of the biggest we’ve seen on a card that doesn’t have an annual fee. New card members can earn the 30,000-point ($300 cash redemption value) welcome bonus after spending $1,500 in the first three months (offer ends Jan. 10, 2023). You can also earn unlimited 3X points on popular categories like restaurants, travel, gas stations, transit, popular streaming services and phone plans, making it an excellent pick for those who spend regularly in those categories. Plus, you’ll earn 1X on your other purchases and there’s a generous 0% introductory offer on purchases for 12 months, then a will apply.

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Purchase APR

Annual Fee

Welcome Bonus

Balance Transfer APR

Recommended Credit Score

Excellent/Good
670- 850*

Rewards

Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans. Plus earn 1X points on other purchases

Benefits

  • Large welcome bonus from a card that does not charge an annual fee
  • No caps on the 3X bonus categories

Pros & Cons

No annual fee

Generous bonus offer

High rewards on popular categories

No intro APR offer on balance transfers

Key Features

  • $600 cell phone protection option (subject to $25 deductible)
  • You can redeem your rewards points for travel, gift cards, or statement credits

Top choice for travel

5

/5

Score

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Why we like it

The Capital One Venture X Card is a winning option for those with excellent credit who want to take their travel rewards to the next level. It does come with a steep annual fee of , but that’s offset by the welcome bonus, rewards and perks. You earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel. You also earn 2X miles on all other purchases and will receive 10,000 miles each year as an anniversary bonus. There’s also a one-time bonus of 75,000 miles once you spend $4,000 on purchases within three months. To offset the annual fee even further, you’ll receive a $300 annual travel credit and a $100 Global Entry or TSA PreCheck® Credit.

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Purchase APR

Annual Fee

Welcome Bonus

Balance Transfer APR

Recommended Credit Score

Excellent/Good
670- 850*

Rewards

Earn unlimited 2X miles on every purchase, 10X miles on hotels and rental cars, plus 5X on flights booked through Capital One Travel

Benefits

  • Excellent rewards rates, especially if you book through Capital One Travel
  • Generous welcome offer

Pros & Cons

Generous and uncomplicated rewards rates

Welcome bonus

Ongoing annual rewards

annual fee

Key Features

  • Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
  • Receive up to $300 back annually as statement credits for bookings through Capital One Travel

Top choice for travel / rewards

5

/5

Score

get started

Why we like it

The Capital One VentureOne Rewards Card offers a straightforward flat rate on all purchases with 1.25X miles on every purchase and an elevated 5X rate on hotels and rental cars booked through Capital One Travel. There’s also a one-time bonus of 20,000 miles once you spend $500 on purchases within three months from account opening, which equals $200 in travel. Your rewards won’t expire and you can redeem them as a statement credit to cover travel purchases. The card offers a 0% intro APR on purchases and balance transfers for 15 months; after that; 3% fee on the amounts transferred within the first 15 months. There is no annual fee or foreign transaction fees for the card.

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Purchase APR

Annual Fee

Welcome Bonus

Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel

Balance Transfer APR

Recommended Credit Score

Excellent/Good
670- 850*

Rewards

Earn unlimited 1.25X miles on every purchase and 5X miles on hotels and rental cars booked through Capital One Travel

Benefits

  • Solid rewards rates, especially if you book through Capital One Travel
  • Generous welcome offer

Pros & Cons

Welcome bonus

No annual fee

Intro APR for the first 15 months

Missing some travel perks

Key Features

  • Miles won’t expire for the life of the account and there’s no limit to how many you can earn
  • Members can transfer miles to more than 15 partner rewards programs

Top choice for airline

Delta SkyMiles Platinum American Express

5

/5

Score

get started

Why we like it

The Delta SkyMiles Platinum American Express Card is a strong option that offers a variety of ways to earn rewards, with its top rewards tier offering 3x miles per $1 spent on Delta purchases and purchases made directly with hotels. Additionally, you’ll earn 2X miles at restaurants, including takeout and delivery in the U.S. It also offers valuable benefits for Delta travelers, such as priority boarding, an annual domestic Main Cabin round-trip companion certificate and your first bag checked for free, helping to offset the $250 annual fee. For the welcome bonus, you earn 50,000 bonus miles after you spend $3,000 in purchases on your new card in your first six months.

Read the full review

Purchase APR

Annual Fee

$250

Welcome Bonus

Earn 50,000 bonus miles after you spend $3,000 in purchases on your new card in your first 6 months

Balance Transfer APR

N/A

Recommended Credit Score

Excellent/Good
670- 850*

Rewards

3X miles on Delta purchases made directly with Delta and at hotels made directly with hotels. 2X miles on dining and groceries. 1X on all other purchases.

Benefits

  • Excellent rewards, especially on Delta purchases
  • Generous welcome offer

Pros & Cons

Welcome bonus

Annual domestic Main Cabin round-trip companion certificate

Special rewards if you make $25,000 in purchases on your card in a calendar year, up to two times

There’s a $250 annual fee

Key Features

  • No foreign transaction fees
  • First checked bag free

Top choice for travel / airline

Chase Southwest Rapid Rewards® Priority

Chase Southwest Rapid Rewards® Priority

4.7

/5

Score

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Chase Southwest Rapid Rewards® Priority

Why we like it

The Chase Southwest Rapid Rewards Priority Card is the highest tier offered by Chase/Southwest. It also carries the highest annual fee at $149, but its features more than make up for that for Southwest flyers. For the sign-up bonus, you can earn 50,000 points after you spend $1,000 on purchases in the first three months from account opening. You’ll earn three points per dollar spent on Southwest purchases and 2X points on purchases with Rapid Rewards hotel and car rental partners, local transit and commuting, internet, cable, phone services and select streaming. You also get four upgraded boardings per year (when available), $75 annual Southwest travel credit, 7,500 anniversary points each year and 25% back on inflight purchases. Plus there are no foreign transaction fees.

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Purchase APR

Annual Fee

$149

Welcome Bonus

Earn 50,000 points after you spend $1,000 on purchases in the first 3 months from account opening

Balance Transfer APR

Recommended Credit Score

Excellent/Good
670- 850*

Rewards

Earn 3 points for each $1 spent on Southwest purchases. Earn 2 points for $1 spent on Rapid Rewards hotel and car rental purchases, plus local transit, commuting, internet, cable, phone services and select streaming. Earn 1 point for every $1 spent on everyday purchases.

Benefits

  • Excellent rewards rates, especially if you book through Southwest
  • Generous welcome offer

Pros & Cons

Four upgraded boardings per year, when available

$75 annual Southwest travel credit

7,500 anniversary points each year

There’s a $149 annual fee

Key Features

  • 25% back on inflight purchases
  • No foreign transaction fees
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