No credit card is the best choice for every family, purchase, or budget. we are highlighting the best cards for various situations.
This list only includes personal credit cards. If you are looking for a credit card for your business, check out our list of the best credit cards for 2023.
Top Cash-Back Credit Cards
Chase Freedom Flex℠ Credit Cards Apply Now
- BEST CASH BACK, BEST NO ANNUAL FEE CARD
Up to 5x rewards
Get 5% cashback in rotating quarterly categories up to $1,500 on sign-up, 5% on travel purchased through Chase Ultimate Rewards®, 3% on restaurants and pharmacies, and 1% on all other purchases
Welcome Bonus 200$ Annual Fee 0$ Regular APR 18.74% – 27.49% Variable
Why We Pickup It?
This card has the power to handle almost any of your credit card expenses without breaking the bank. The card has a $0 annual fee, but has a better income structure that covers a wide range of expenses, including travel, drugstore, and food, as well as a rotating quarterly bonus rate in areas that many households may find attractive.
Pro & Cons?
- No annual fees
- Rotate quarterly categories, earn 5% rewards up to a combined quarterly maximum of $1,500 when activated
- Travel gift packages rival some of the best premium travel cards
- Generous prizes in several other categories
- Cons:-
- Travel bookings must be made through Chase Ultimate Rewards® to receive 5% cashback.
Credit Card Details
- Get a $200 bonus after spending $500 on purchases in the first 3 months of account opening.
- 5% cashback up to $1,500 on combined purchases in bonus categories each quarter you activate. Enjoy a new 5% category every quarter!
- 5% cashback on travel purchased through Chase Ultimate Rewards®, our premium rewards program that allows you to redeem rewards for cashback, trips, gift cards and more
- 3% cashback on drugstore and restaurant purchases, including qualifying takeout and home delivery, and unlimited 1% cashback on all other purchases.
- There is no minimum cashback redemption. You can choose to receive a credit report or direct deposit into most US checking and savings accounts. Cashback Rewards do not expire as long as your account is open!
- An introductory APR of 0% for 15 months from account opening on purchases and fund transfers, then a variable APR of 18.74% – 27.49%.
- No Annual Fee – You don’t have to pay an annual fee for all the great features that come with your Freedom Flex℠ card
- Monitor Your Credit Status – Chase Credit Journey helps you monitor your credit with free access to the latest scores, real-time alerts and more.
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Top 0% APR Credit Card
Wells Fargo Active Cash® Card Apply Now
- BEST 0% APR AND BEST FLAT RATE CASH BACK
Unlimited Bonus Rate 2%
Get unlimited 2% cash rewards on purchases
Welcome Bonus 200$ Annual Fee 0$ Regular APR 18.74% – 27.49% Variable
Why we Choose it?
This card has the power to handle almost any of your credit card expenses without breaking the bank. The card has a $0 annual fee, but has a better income structure that covers a wide range of expenses, including travel, drugstore, and food, as well as a rotating quarterly bonus rate in areas that many households may find attractive.
Pro & Cons?
- Unlimited 2% cash rewards on purchases
- $0 annual fee
- Mobile Security Advantages
- Cons:-
- There is a transfer fee
- Overseas transaction fees apply
- There are no travel transfer partners
Credit Card Details
- Get a $200 bonus after spending $500 on purchases in the first 3 months of account opening.
- 5% cashback up to $1,500 on combined purchases in bonus categories each quarter you activate. Enjoy a new 5% category every quarter!
- 5% cashback on travel purchased through Chase Ultimate Rewards®, our premium rewards program that allows you to redeem rewards for cashback, trips, gift cards and more
- 3% cashback on drugstore and restaurant purchases, including qualifying takeout and home delivery, and unlimited 1% cashback on all other purchases.
- There is no minimum cashback redemption. You can choose to receive a credit report or direct deposit into most US checking and savings accounts. Cashback Rewards do not expire as long as your account is open!
- An introductory APR of 0% for 15 months from account opening on purchases and fund transfers, then a variable APR of 18.74% – 27.49%.
- No Annual Fee – You don’t have to pay an annual fee for all the great features that come with your Freedom Flex℠ card
- Monitor Your Credit Status – Chase Credit Journey helps you monitor your credit with free access to the latest scores, real-time alerts and more.
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Top Travel Rewards Credit Cards
Capital One Venture X Rewards Credit Card Apply Now
- Best Flexible Reward Credit Card
Up to 10x rewards
Earn 2 miles per dollar on all qualifying purchases and 5 miles per dollar on flights and 10 miles per dollar on hotels and rental cars when you book through Capital One Travel
Welcome Bonus 75000 miles Annual Fee 395$ Regular APR 19.99% – 26.99% Variable
Why we choose it?
Capital One’s premium travel card is packed with features that make it competitive with other luxury credit cards, but at a far-reaching annual fee.
Pro & Cons?
- Lower annual fee than others in its class
- Only annual travel credits and anniversary miles can justify the annual fee
- Miles are easy to earn and easy to use
- Cons:-
- Lack of travel partners for domestic airlines and luxury hotels
- Capital One’s lounge network is still in its infancy
- Lack of hotel status benefits
Credit Card Details
- Earn 75,000 bonus miles when you spend $4,000 on purchases, which equals $750 on travel, within the first 3 months of account opening
- Get back up to $300 per year in credit when you book through Capital One Travel, where you can get the best Capital One rates from thousands of options
- Earn 10,000 bonus miles (equivalent to $100 in travel) annually starting on your first birthday.
- Earn unlimited 10x miles for hotels and car rentals booked through Capital One Travel and 5x miles for flights booked through Capital One Travel
- Get unlimited double miles on all other purchases
- Unlimited free access for you and two guests to over 1,300 lounges, including our Capital One lounges and our network of partner lounges
- Get up to $100 credit for Global Entry or TSA PreCheck®
- Use your Venture X miles to pay for travel expenses such as flights, hotels, rental cars and more – you can even transfer your miles to more than 15 travel loyalty programs of your choice
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Chase Sapphire Preferred® Credit Card Apply Now
- Best Entry Level Travel Credit Card
Prize percentage up to 5x
Earn 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining, and 2x on all other travel purchases, and more.
Welcome Bonus 60,000 Bonus Point’s Annual Fee 95$ Regular APR 19.74% – 26.74% Variable
Why we choose it?
Offering a rare combination of high reward rates and redemption flexibility, this card is a frequent traveler’s dream and eats—all for an affordable annual fee.
Pro & Cons?
- Get high rewards in multiple spending areas
- Transfer points to travel partners at a 1:1 ratio
- Lots of travel and shopping protection
- Cons:-
- Annual fee
- There is no initial APR offering
- Best fares for travel apply only to bookings made through Chase
Credit Card Details
- Earn 60,000 bonus points after spending $4,000 on purchases in the first 3 months of account opening. That’s $750 when redeemed through Chase Ultimate Rewards®.
- Enjoy benefits such as $50 USD annual Ultimate Rewards hotel credit, 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases, and more.
- Get up to 25% more value when you redeem airline tickets, hotels, rental cars and cruises through Chase Ultimate Rewards®. For example, 60,000 points for a trip worth $750.
- Rely on trip cancellation/interruption insurance, comprehensive car rental insurance, lost luggage insurance and more.
- Get free access to DashPass, which unlocks $0 in shipping fees and lower service fees for at least one year when activated before December 31, 2024.
Chase Sapphire Reserve® Credit Card Apply Now
- Best Credit Card For Travel Insurance
Up to 10x rewards
Earn 5x points on flights and 10x points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® after the first $300 per year spent on travel purchases. Earn 3x points on other trips and restaurants. Earn 1x points for all other purchases
Welcome Bonus 60,000 Bonus Point’s Annual Fee 550$ Regular APR 20.74% – 27.74% Variable
Why we choose it?
This card offers excellent points for points if you travel a lot and eat out. $300 worth of travel credit justifies most of the annual fee and redeems Chase Ultimate Rewards travel points.
Pro & Cons?
- $300 annual travel credit is very flexible
- Generous welcome bonus
- Get 50% more value when you redeem points for travel through Chase
- Transfer points to valuable partner airlines and hotels
- Cons:-
- High annual fees
- High variable APR on purchases
- Excellent credit recommended
Credit Card Details
- Earn 60,000 bonus points after spending $4,000 on purchases in the first 3 months of account opening. That’s the equivalent of a $900 ride when redeemed through Chase Ultimate Rewards®
- $300 annual travel credit to reimburse your card for travel purchases charged to your card on each account anniversary.
- Earn 5x points on flights and 10x points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® after the first $300 per year spent on travel purchases. Earn 3x points for travel and other meals and 1 point for every $1 spent on all other purchases
- Get 50% more value by redeeming your travel points through Chase Ultimate Rewards®. For example, 60,000 points for a trip worth $900
- 1:1 point transfer to leading airline and hotel loyalty programs
- Access to more than 1,300 airport lounges worldwide after one simple Priority Pass™ Select enrollment and up to $100 credit in registration fees every four years for Global Entry, NEXUS, or TSA PreCheck®
- Rely on trip cancellation/interruption insurance, comprehensive car rental insurance, lost luggage insurance and more
The Platinum Card® from American Express Credit Card Apply Now
- Best For Luxury Lifestyle and Travel Benefits
5x reward
Earn 5 Membership Rewards points per dollar on prepaid hotels booked with American Express Travel; Earn 5 membership rewards per dollar on flights booked directly with AMEX airlines or travel. Airline benefits are limited to the first 500,000 purchases per calendar year; Earn 1 point for every $1 spent on other qualifying purchases.
Welcome Bonus 80,000 Bonus Earn Annual Fee 695$ Regular APR: See Pay Over Time APR
Why we choose it?
The Platinum Card is designed for frequent travelers who want to take advantage of the many benefits of luxury travel and the Platinum Concierge Service. In the right hands, the hefty annual fee of a classic status card is fully justified.
Pro & Cons?
- High reward potential on flights and hotels booked through American Express Travel
- Some credits can help you justify the cost
- Comprehensive access to airport lounges
- Luxury travel benefits and elite status at Hilton and Marriott with enrollment
- Cons:-
- Very high annual fees
- Improving a credit report is hard work and may not be feasible for many people
- Premium no-ride rates are below average for premium cards
Credit card details
- Earn 80,000 Membership Rewards® points after spending $6,000 on purchases with your new card within the first 6 months of your card membership. Apply and choose your preferred metallic card design: Classic Platinum Card®, Platinum x Kehinde Wiley or Platinum x Julie Mehretu.
- Earn 5x Membership Rewards® points on flights booked directly with the airline or with American Express Travel up to $500,000 for that purchase in a calendar year, and earn 5x Membership Rewards® points on prepaid hotels booked through American Express Travel.
- Get back $200 in statement credit each year on prepaid Hotel Fine + Resorts® or The Hotel Collection bookings requiring a minimum two-night stay through American Express Travel when you pay with your Platinum® Card.
- $240 Digital Entertainment Credit: Get up to $20 back monthly on qualifying purchases made with your Platinum Card® at one or more of the following providers: Audible, Disney+, The Disney Bundle, ESPN+, Hulu, Peacock, SiriusXM, and The New York Times . Registration required.
- $155 Walmart+ Credit: Cover your $12.95 monthly Walmart+ membership fee with one bank statement after paying for Walmart+ each month with your Platinum Card. Price includes $12.95 plus applicable local sales tax. Plus oops excluded.
- American Express has expanded the Centurion® network to more than 40 Centurion lounges and studios worldwide. There are even more places where you can get free entry and exclusive benefits with your Platinum Card®.
- $200 Airline Fee Credit: Receive up to $200 credit per calendar year in baggage fees on more than one selected airline.
- $200 Uber Cash: Enjoy Uber VIP status and Uber savings of up to $200 on Uber ride or food orders per year. Uber Cash and Uber VIP status are only available to primary card members.
- Earn up to $300 per calendar year in return on the Equinox+ digital fitness app or a qualifying Equinox Club membership when you pay with your Platinum Card. Registration required. Find out more
- Bypass security with CLEAR® Lanes available at over 100 airports, stadiums, and entertainment venues and get up to $189 back on your membership per calendar year when you use your card. Find out more
- $695 annual fee.
- conditions apply.
Best Airline Credit Card
United Club℠ Infinite Credit Card Apply Now
- Best Airline Credit Card
Up to 4x rewards
Earn 4 miles for every $1 spent on United® purchases; Earn 2 miles for every $1 spent on all other travel and dining, including eligible delivery services; and earn 1 mile for every $1 spent on all other purchases.
Welcome Bonus 100,000 Bonus Miles Annual Fee 595$ Regular APR: 20.24% – 27.24% Variable
Why we choose it?
United’s top-tier card ups the game by 4 miles per dollar earned on United purchases. A travel benefits package makes this card even better, as the United Club membership alone is worth more than the annual fee.
Pro & Cons?
- There are no foreign transaction fees
- The United Club membership fee is more expensive than the annual fee
- First and second check-in baggage are free if you use a card to pay for your flight
- Very high annual fees
- There is no initial APR offering
- High regular APR
Credit Card Details
- Get 100,000 bonus miles.
- Earn 4 miles for every $1 spent on United® purchases, including tickets, Economy Plus®, inflight food, drinks and Wi-Fi, and other United fees.
- Earn 2 miles for every $1 spent on all other trips
- Earn 2 miles for every $1 spent at restaurants, including eligible delivery services
- Earn 1 mile for every $1 spent on all other purchases
- Global Entry up to $100, TSA PreCheck® or NEXUS Fee Credit
- Free 1st and 2nd check-in baggage – Save up to $320 round trip. conditions apply
- Get one year of free DashPass, a DoorDash and Caviar membership that offers unlimited shipping for $0 shipping and lower service fees on qualifying orders. You will then be automatically enrolled in DashPass at the current monthly price. Activate before 12/31/24.
Aeroplan® Credit Card Apply Now
- Best Mid – Tire Airline Credit card
Prize percentage up to 3x
Earn 3x points per dollar spent at grocery stores, in-restaurant dining including eligible take-out and delivery services, and with Air Canada directly; Earn 1x points per dollar spent on all other purchases.
Welcome Bonus 70,000 Bonus Annual Fee 95$ Regular APR: 20.24% – 27.24% Variable
Why we choose it?
The solid earning potential of the Aeroplan® credit card makes it an excellent choice for frequent Air Canada travelers who also spend time regularly on food and travel.
Pro & Cons?
- Amazing prize win
- There are no foreign transaction fees
- Travel benefits include a bonus Air Canada flyer
- Cons:-
- $95 annual fee
- No non-travel benefits
Credit Card Details
- Earn 70,000 points after spending $3,000 on purchases in the first 3 months.
- $95 annual fee
- Earn 3x the points per dollar spent at grocery stores, restaurants and direct with Air Canada.
- There are no foreign transaction fees.
- The first check-in bag is free.
- 500 bonus points for every $2,000 you spend in a calendar month.
- Earn 1x points per dollar spent on all other purchases.
Top Best Hotel Credit Card
Hilton Honors Aspire Card from American Express Credit Card Apply Now
- Best Hotel Credit Card
Rewards up to 14x
Earn 14x Hilton Honors bonus points on qualifying purchases at hotels or resorts participating in the Hilton portfolio; Earn 7X points for flights booked directly with airlines or amextravel.com, car rentals booked directly with select car rental companies and restaurants in the US; Earn 3x points for other qualifying purchases
Welcome Bonus 150,000 Points Annual Fee 450$ Regular APR: 19.99% – 28.99% Variable
Why we choose it?
Hilton’s flagship card, the American Express Hilton Honors Aspire Card, comes with a price tag that befits its premium status and benefits. It’s perfect for the money-hungry client hunting for enough Hilton properties to take advantage of the many benefits that come with free Diamond status.
Pro & Cons?
- Free Priority Ticket Select registration membership
- Up to $600 in statements
- Immediate Hilton Diamond status with multiple benefits
- Cons:-
- High annual fee with no first year waiver
- Annual regular interest and high penalty interest
- There is no initial APR offering
- Points are worth less than most rewards programs
Credit Card Details
- Earn 150,000 Hilton Honors bonus points after spending $4,000 on card purchases within the first 3 months of card membership.
- Earn 14x Hilton Honors bonus points when you make qualifying purchases with your card at hotels or resorts participating in the Hilton portfolio.
- Earn 7X Hilton Honors bonus points on qualifying purchases made with your card on: flights booked directly with airlines or amextravel.com, rental cars booked directly with select US car rental companies and restaurants.
- Earn 3x Hilton Honors bonus points on other qualifying purchases.
- $250 Hilton Resort Credit: With your Aspire Hilton Honors American Express Card, earn up to $250 in statements toward qualifying purchases at participating Hilton resorts each year of card membership.
- Hilton Honors Diamond Status. With your Hilton Honors Aspire card, you will enjoy free Diamond status, which includes more Hilton benefits, such as: B. 100% additional bonus points on all base points earned, room upgrades and more.
- Free Night Awards. Enjoy the awards night with your new Hilton Honors American Express Aspire Card and annually after renewal. You’ll also receive an extra night after spending $60,000 on purchases made with your card in a calendar year.
- $250 Airfare Credit. The Hilton Honors Aspire Card also entitles you to use a $250 Airline Fee Credit for incidentals charged by the airline to your card account.
Hilton Honors American Express Surpass® Credit Card Apply Now
- Best Mid- Tier Hotel Credit Card
Up to 12x rewards
For a modest $95 annual fee, the Hilton mid-range card offers great value for those who travel multiple times a year. The 10 annual Priority Pass visits provided with this card cost $299 upon registration and earning Hilton Honors Gold status.
Welcome Bonus 130,000 Points Annual Fee 95$ Regular APR: 19.99% – 28.99% Variable
Why we choose it?
Up to 12x rewards
Earn 12x Hilton Honors bonus points on qualifying purchases at hotels or resorts participating in the Hilton portfolio; Earn 6X points on qualifying purchases at US restaurants, supermarkets and gas stations; Earn 3x points for other qualifying purchases.
Pro & Cons?
- Free Elite Gold status
- 10 free visits to the Priority Pass Lounge per anniversary
- There are no foreign transaction fees
- Cons:-
- Annual fee
- An annual spend of $15,000 is required to receive the Free Night Award
- Points have a low exchange rate, except at Hilton hotels
Credit Card Details
- Earn 130,000 Hilton Honors Bonus Points after spending $2,000 on purchases within the first 3 months of account opening.
- Get a free Hilton Honors night after spending $15,000 on card purchases in one calendar year.
- Earn 12x Hilton Honors Bonus Points per dollar spent on qualifying purchases at hotels and resorts in the Hilton portfolio, 6x Hilton Honors Bonus Points per dollar spent at US restaurants, US supermarkets, and US gas stations, and 3x Hilton Honors bonus points for all other qualifying purchases.
- Spend $40,000 on qualifying card purchases in one calendar year and earn Hilton Honors Diamond status until the end of the next calendar year.
- $95 annual fee
- conditions apply.
Best Student Credit Card
Discover it® Student Cash Back Credit Card Apply Now
- Best Student Credit Card
Bonuses up to 5%.
Get 5% cashback quarterly on everyday purchases at places like Amazon.com, grocery stores, restaurants and gas stations up to a quarterly maximum when you activate it. Plus, get unlimited 1% cashback on all other purchases – automatically.
Welcome Bonus- Cash Back Match Annual Fee- 0$ Regular APR: 16.74% – 25.74% Variable APR*
Rate as of December 15 2022
Why we choose it?
This is a great opportunity for students with average or limited credit to gain credit management experience. No annual fees, no interest penalties, plus up to 5% cashback rewards in rotating categories (up to three month sign-up limit, 1% refund on other purchases) get this card an “A” in our books.
Pro & Cons?
- 5% cashback for the rotating bonus category after registering
- Cashback match in the first year
- Cons:-
- The 5% cashback bonus rate is limited to $1,500 per quarter
- Bonus categories must be activated every three months
- Low basic premium rate of 1%
Credit Card Details
- INTRODUCTION OFFER: Unlimited Cashback Matches – Only from Discover. Discover will automatically return the money you earn at the end of your first year! Here’s how you can turn $50 cash into $100. Or change $100 to $200. There is no minimum spend or maximum reward. Just a dollar for dollar match.
- Get 5% cashback quarterly on everyday purchases at locations like Amazon.com, grocery stores, restaurants, and gas stations up to a quarterly maximum when you activate it. Plus, get unlimited 1% cashback on all other purchases – automatically.
- No creditworthiness is required for application.
- Find helps remove your personal information from selected people search sites. Activate for free via the mobile app.
- No annual fees and build your credit through responsible use.
- 0% initial APR on purchases for 6 months, then the default variable APR on purchases is 16.74% – 25.74%. Prices start December 15, 2022.
Best Balance Transfer Credit Card
Wells Fargo Reflect® Credit Card Apply Now
- Best Balance Transfer Long Payment Window
Welcome Bonus: N/A Annual Fee 0$ Regular APR: 16.74% – 28.74% Variable APR
Why we choose it?
Those looking for a balance transfer card will likely appreciate that the Wells Fargo Reflect Card offers a generous introductory period of APR on qualifying purchases and balance transfers. However, the card doesn’t offer any rewards or other important perks, so use it if you don’t need the long early April period.
Pro & Cons?
- Generous introductory APR period on qualifying purchases and balance transfers
- $0 annual fee
- Cons:-
- There is no welcome bonus or rewards program
- transfer fee
- foreign transaction fees
Credit Card Details
- 0% introductory APR for 18 months from account opening for eligible purchases and balance transfers. 3 month APR renewal with minimum payment on time during the onboarding period. 16.74% to 28.74% variable APR thereafter; Balance transfers made within 120 days are eligible for an introductory rate and 3% fee, then up to 5% BT fee, $5 minimum.
- $0 annual fee
- Get up to $600 in cell phone protection from damage or theft when you pay your monthly cell phone bill with a qualifying Wells Fargo card (subject to a $25 overage).
- My Wells Fargo Deals gives you access to personalized offers from a variety of retailers. It’s an easy way to earn cashback as bill credit when you shop, dine, or enjoy experiences using only a qualifying Wells Fargo credit card.
- Select “Register Now” to learn more about product features and terms and conditions
FAQs On Best Credit Cards
What are the benefits of having a credit card?
- Convenience: Credit cards are widely accepted and can be used to make purchases or withdraw cash from ATMs.
- Building credit: Responsible use of a credit card can help to build a positive credit history, which can be beneficial when applying for loans or other credit products in the future.
- Rewards and perks: Many credit cards offer rewards or other perks for using the card, such as cash back or travel rewards.
- Emergency funds: Credit card can be helpful in emergency situations when you need funds quickly.
What are the best credit cards?
The best credit card for you will depend on your individual needs and financial situation. Some popular options include cash back credit cards, travel rewards credit cards, and balance transfer credit cards. It’s important to compare the fees, rewards, and other features of different credit cards to find one that best suits your needs.
How do I choose the best credit card for me?
When choosing a credit card, you should consider your individual needs and financial situation. Some things to consider include: the annual fee, the interest rate, the rewards and perks offered, the acceptance and network of the card, and the credit limit. You should also review the terms and conditions of the card, such as any fees for late payments or cash advances.
