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Best Credit Card Offers 2023
What kind of perks are you looking for?
The perfect credit card is the one that helps you achieve your goals. From credit-building to earning rewards, we have a card for everyone. Find yours today.
With this card, you’ll earn 3% cash back rewards at U.S. supermarkets and U.S. gas stations (up to $6,000 annually for each category, after which you’ll get a 1% return). Terms Apply.
See Rates & Fees
Pros
- High cash back rate
- No annual fee
Cons
- Requires good to excellent credit
- Spending caps on rewards
- Earn a $200 statement credit after you spend $2,000 in the first 6 months
- 0% introductory APR on purchases and balance transfers for 15 months. After that, there is a variable APR of 18.99% to 29.99%
- Earn 3% cash back on the first $6,000 in annual spending across three categories: U.S. supermarkets, U.S. gas stations, and U.S. online retail purchases, then 1%
- No annual fee
- Up to $84 in annual credits for the Disney Bundle and up to $180 in annual credits for Home Chef (up to $15 in statement credits monthly). Enrollment required
- Terms Apply
Pros
- 0% introductory APR for purchases and balance transfers
- No foreign transaction fees
Cons
- Doesn't offer bonus cash back for any spending categories
- Few perks other than cash back
- Get $200 when you spend $500 within the first 3 months
- Earn unlimited 1.5% cash back on every purchase you make
- No annual fee and no foreign transaction fees
- 0% introductory APR for 15 months on purchases and balance transfers, and 19.74% - 29.74% variable APR after that
- Earn 5% cash back when you book hotels and rental cars through Capital One Travel
- No need to worry about rotating spending categories, and your cash back rewards never expire as long as you keep the card
Pros
- No annual fee
- Earn up to 3X points on every purchase
Cons
- Requires minimum 680 credit score
- Interest rates up to 27.75% APR
- Get 2X points on every purchase, or 3X when you spend $15,000 in a year
- Includes trip interruption reimbursement, rental car damage waiver, and roadside assistance
- Create virtual cards to manage subscriptions and free trials
- No annual fee
- Zero liability for fraudulent purchases
5X Membership Rewards Points for flights (up to $500,000 in spending per year) booked directly with airlines or with American Express Travel
5X Membership Rewards® Points on prepaid hotels booked with American Express Travel
Welcome Bonus: 80,000 Membership Rewards Points when you spend $6,000 in the first 6 months
Intro APR: N/A
See Rates & Fees
Pros
- Numerous travel perks including lounge access
- No blackout dates for travel awards
Cons
- Travel must be redeemed through American Express Travel
- High $695 annual fee
- Earn 80,000 Membership Rewards Points when you spend $6,000 in the first 6 months of card membership
- Earn 5X Membership Rewards Points for flights (up to $500,000 in spending per year) and on hotels prepaid/booked through American Express Travel
- Up to $200 statement credit for prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®
- Up to $200 annual statement credit for airline fees when incidental fees are charged by the airline to your Card, and up to $200 annual statement credit for Uber and Uber Eats
- Annual $155 Walmart+ credit and up to $240 digital entertainment credit for streaming and news services
- Terms Apply
There’s a modest introductory offer of 60,000 points if you make $4,000 in purchases within the first 6 months after opening the card. You may also earn an annual meal credit of $120 (up to $10 in monthly statement credits) at specified restaurants if you enroll in this additional program. Terms Apply.
See Rates & Fees
Pros
- No foreign transaction fees
- Membership Rewards Points can be transferred to many airlines
Cons
- $250 annual fee
- Does not offer bonus points for all travel expenses
- Earn 60,000 Membership Rewards Points when you spend $4,000 in the first 6 months
- Earn 4X Membership Rewards Points on restaurants and U.S. supermarkets (up to your first $25,000 in annual spending)
- Earn 3X Membership Rewards Points on flights booked directly with airlines or on amextravel.com
- Earn up to $120 in statement credits for Uber and Uber Eats and up to $120 Dining Credit which can cover up to $10 in statements credit monthly at Grubhub
- Choose your card color, gold, or rose gold
- Terms Apply
Pros
- Earn unlimited cash-back rewards that don't expire
- Bonus cash back for dining and entertainment purchases
Cons
- Lower rewards than similar cards with an annual fee
- Rewards cannot be used to book travel through Capital One
- Earn a $200 bonus when you spend $500 in the first 3 months
- Earn unlimited 3% cash back on dining, entertainment, and grocery purchases, plus 1% cash back on all other purchases
- Earn unlimited 5% cash back when you book hotels and rental cars through Capital One Travel
- Earn 8% cash back when you buy tickets through Vivid Seats and on Capital One Entertainment purchases
- Bonus categories don't rotate, and your cash back doesn't expire as long as you keep the card
- 0% introductory APR on purchases and balance transfers for 15 months. After that, there is a variable APR of 19.74% - 29.74%
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What are some types of credit cards?
- Balance transfer cards are those that encourage the consolidation of one or more balances from other cards. Balance transfer cards may offer low or even zero interest for a period of time as an incentive.
- Low interest rate cards may offer a very low or 0% interest for an introductory period and then a low interest rate thereafter. These cards are best for those cardholders who carry a balance on their card.
- Credit builder cards - cards for those with poor or bad credit are those that will accept applicants with lower credit scores. The definition of a low credit score will vary among card issuers. These cards can help the cardholder rebuild their credit score. The interest rate on these cards, as well as other terms, may be less favorable than for cards for borrowers with good credit scores.
- Rewards cards are credit cards that offer rewards for purchases in the form of cash back or travel rewards. As long as the other terms and conditions of the card are favorable to you, these cards can be advantageous.
Balance Transfer Pros & Cons
Pro: You could save money
Balance transfer credit cards could save you money on interest payments if you transfer debt from a source with a higher interest rate to a card offering a lower interest rate and you pay off the debt quickly.
Keep in mind, balance transfer credit cards offering introductory 0% APRs only do so for a limited time. If you can’t pay off the debt balance before the introductory period expires, understand what interest rate will get charged down the road.
Don’t forget to account for balance transfer fees when calculating whether you’ll save money. These fees get charged upfront and can be hefty.
Pro: Can consolidate your debt to a single card
A balance transfer credit card could allow you to move all of your debt to a single card, assuming your approved credit limit is high enough. This can make it easier for you to keep track of the monthly payments. Avoiding missed payments by doing this could help improve your credit score as long as your credit utilization on your new card doesn’t get too high.
Con: You may be digging yourself deeper into debt
Balance transfer credit cards can help tremendously if you pay off the debt quickly and don’t incur any new debt. Unfortunately, many people see the 0 balance on their old credit card as an opportunity to spend more money. If you transfer a balance and then run up the balance on your old credit card again, you just dig yourself deeper into debt.
Con: Lenders won’t let you transfer balances from their other products
Lenders don’t want to lose money on balance transfer credit card offers. For this reason, lenders typically won’t allow you to transfer a debt balance from their bank to a balance transfer credit card they issue. For instance, you can’t move a balance from your Chase Sapphire Preferred credit card to your Chase Slate credit card.
Con: Your new credit limit may not be high enough
When you apply for a credit card, you may not get approved for the credit limit you desire. You may apply for a balance transfer offer and only get approved for a $5,000 credit limit. If you planned to transfer $10,000 of other credit card debt, you end up maxing out the new credit card with the balance transfer and still have $5,000 of debt on the old card.
How to Pick the Right Balance Transfer Card
Picking the right card for your situation requires you to examine a few key factors.
First, you want to have a good shot of getting approved for the card. Look for cards that typically approve people with your current credit score.
Next, make sure the credit card you’re applying for will allow you to transfer the balance you want to move. Some banks don’t allow loan transfers, while others do.
Finally, compare offers to find the card that can save you the most money. Look for long introductory 0% APR periods, low or no balance transfer fee offers, and a low regular APR after the balance transfer promotion expires.
