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Best Credit Cards June 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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Everything You Need to Know About Applying for a Credit Card Online
Applying for a credit card online offers a number of advantages over the other application methods that include applying by phone, mailing a written application, or in person.
First, you can apply anytime you wish 24/7 from the convenience of your home. If you are shopping around for the best credit card deal on a credit card comparison site you can move right to the application process once you reach your decision as to the best card for your needs.
If you apply in person at your bank or credit union this involves getting dressed in decent clothes and physically going there. Applying by phone may mean a limited time window during the week in which to apply. Mailing the application means a time lag in having your application reviewed and there is always the chance your application could get lost.
How to Choose the Right Card for You
When looking for a credit card, there are a few things you should do to help guide you to the right card for your situation.
Check your credit
Be sure that you’ve checked your credit and that you are up to speed on your score. Some cards may be better than others for applicants with your credit score and history than others.
Identify the type of card that you need
Before applying for a card, identify the features in a card that are important to you. Are you looking for a card that offers cash back rewards or perhaps one that offers travel rewards? Are you looking for a card that is suitable for those with poor credit? If there are special attributes that you are looking for in a credit card it's recommended to identify these attributes before starting the application process.
Get the card that provides the most value for you
Once you’ve checked your credit and have done your homework to decide the right type of card for your situation, research the cards that will be the best fit and apply for one or more of them.
Credit Cards 101
Credit cards can be a misunderstood topic as there are a lot of aspects to know about them. Here are some basics that you should understand when applying for a new card.
Card types
There are a number of different card types to consider based upon your needs, some of these include:
- 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.
- 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.
Benefits of having a credit card
There are a number of potential benefits to having a credit card. These include:
- Building your credit by making transactions and paying off the balance in a timely fashion.
- Providing purchasing power for making larger purchases with the card and then paying them off. Using a credit card also can provide recourse in case there are problems with a larger purchase.
- With some cards the cardholder can earn travel or cashback rewards which provide extra value.
- This eliminates the need to carry cash or to use a checkbook when shopping.
FAQs
Here are some FAQs about credit cards with answers to these questions.
What does the application process look like?
While the process might be a bit different for each card issuer, there are some basics that are common among virtually all credit card companies. They will ask for your basic information including your Social Security number.
They will want to know about your income and where it's derived from. If you are employed they may ask for information about your employer as well.
They will want to know about where you live and if you own or rent. They may ask how long you’ve lived there.
Can I have more than one credit card?
You can absolutely have more than one credit card. There is no rule against this. However, a credit card issuer will look at the level of your outstanding credit as a potential consideration deciding whether or not to issue you their card, and if so in determining your credit limit on the card.
In some cases, having credit cards that have no balance or that haven’t been used recently can be an adverse mark on your credit history in that some card issuers may look at these additional cards in terms of the total available credit that you could potentially use.
If you have cards that have not been used in a while, you might find that the issuer of these cards will cancel them on you unexpectedly.
How do I choose the right type of credit card?
As with any financial decision, choosing the right type of credit card for you is a function of your situation. Look at your credit score, how and how often you will use the card, if you travel perhaps a travel reward card might be appropriate.
If you have some balances on other cards that you’d like to consolidate, perhaps a card that offers incentives on balance transfers is right for you. If your credit score is low, a card that indicates that they will accept those with lower credit scores could be the right answer.
Disclosures
Chime:
Chime is a financial technology company, not a bank. Banking services and debit card provided by The Bancorp Bank N.A. or Stride Bank, N.A.; Members FDIC. The Chime Credit Builder Visa® Card is issued by Stride Bank, N.A., Member FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted.
*To apply for Credit Builder, you must have received a single qualifying direct deposit of $200 or more to your Checking Account. The qualifying direct deposit must be from your employer, payroll provider, gig economy payer, or benefits payer by Automated Clearing House (ACH) deposit OR Original Credit Transaction (OCT). Bank ACH transfers, Pay Anyone transfers, verification or trial deposits from financial institutions, peer to peer transfers from services such as PayPal, Cash App, or Venmo, mobile check deposits, cash loads or deposits, one-time direct deposits, such as tax refunds and other similar transactions, and any deposit to which Chime deems to not be a qualifying direct deposit are not qualifying direct deposits
** Money added to Credit Builder will be held in a secured account as collateral for your Credit Builder Visa card, which means you can spend up to this amount on your card. This is money you can use to pay off your charges at the end of every month.
***On-time payment history can have a positive impact on your credit score. Late payment may negatively impact your credit score. Results may vary.
****Out-of-network ATM withdrawal fees apply except at MoneyPass ATMs in a 7-Eleven location or any Allpoint or Visa Plus Alliance ATM.
Upgrade Triple Cash Rewards Visa® and Upgrade Cash Rewards Visa®:
* To qualify for the welcome bonus, you must open and fund a new Rewards Checking account and make 3 qualifying debit card transactions from your Rewards Checking account within 60 days of the date the Upgrade Card account is opened. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade VISA® Debit Card Agreement and Disclosures for more information. Your Upgrade Card and Rewards Checking account must be open and in good standing to receive a bonus. If you have previously opened a Rewards Checking account or do not open one as part of this application process, you are not eligible for this welcome bonus offer. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking account as a one-time payout credit within 60 days after the 3rd qualifying card purchase.
