How we rate our cards Advertiser Disclosure

Credit Cards

Compare top offers by category. Read our expert reviews and recommendations. Feel confident when you apply.

Bankrate's featured credit cards for January 2023

Here are some of our most popular credit card offers this month. Whether you are interested in a lower interest rate, travel rewards, cash back or other perks, we can help you find the right credit card from our partners. Compare your favorite offers and apply simply and securely.

Best for flexible redemption options

Capital One Venture Rewards Credit Card

Apply now

On Capital One's secure site

Recommended Credit Score: Good to Excellent (670 – 850)

Bankrate Score

4.9

Rewards Rate:

Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options Earn unlimited 2X miles on every purchase, every day.

Welcome Offer:

New Venture cardholders can earn 75,000 miles once they spend $4,000 on purchases within 3 months from account opening

Regular APR:

20.24% - 28.24% (Variable)

Purchase Intro APR:

N/A

Balance Transfer Intro APR:

N/A

Annual Fee:

$95
For some travelers, flexibility can have a value all its own. The Capital One Venture Rewards Credit Card addresses that need with an array of options for redeeming your miles. If you want more freedom in how you choose to pay for travel, consider taking this card along for the journey.
Read our full Capital One Venture Rewards Credit Card review.
- Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
- Earn unlimited 2X miles on every purchase, every day
- Miles won't expire for the life of the account and there's no limit to how many you can earn
- Receive up to a $100 credit for Global Entry or TSA PreCheck®
- Enjoy two complimentary visits per year to Capital One Lounges or to 100+ Plaza Premium Lounges through our Partner Lounge Network
- Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
- Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
- Transfer your miles to your choice of 15+ travel loyalty programs

Best for flat-rate travel rewards

Bank of America® Travel Rewards credit card

Apply now

On Bank of America's secure site

Recommended Credit Score: Good to Excellent (670 – 850)

Bankrate Score

4.1

Rewards Rate:

Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire.

Welcome Offer:

25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.

Regular APR:

18.24% - 28.24% Variable APR on purchases and balance transfers

Purchase Intro APR:

0% Intro APR for 18 billing cycles for purchases

Balance Transfer Intro APR:

0% Intro APR for 18 billing cycles for any BTs made in the first 60 days. A 3% fee (min. $10) applies.

Annual Fee:

$0
This card makes it a breeze to earn travel rewards on every purchase. You’ll earn 1.5X points on all purchases, and, when it comes time to use your points, you’ll have a much wider range of travel redemption options than are typically offered on other travel credit cards. Depending on the size of your Bank of America savings account, you may have even more reason to apply since Preferred Rewards members can boost this card’s rewards rates by up to 75 percent for 2.62X points on all purchases.
- Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire.
- 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.
- Use your card to book your trip how and where you want - you're not limited to specific websites with blackout dates or restrictions.
- Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.
- New longer intro period! 0% Introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 18.24% - 28.24% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers.
- If you're a Preferred Rewards member, you can earn 25%-75% more points on every purchase. That means instead of earning an unlimited 1.5 points for every $1, you could earn 1.87-2.62 points for every $1 you spend on purchases.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

BEST FOR CAR ENTHUSIASTS

My GM Rewards Card™

Apply now

On Goldman Sachs Bank USA's secure site

Recommended Credit Score: Good to Excellent (670 – 850)

Bankrate Score

3.9

Rewards Rate:

Earn unlimited 7x total points with GM.* 4x points on purchases everywhere else.*

Welcome Offer:

Get 15,000 bonus points after you spend $1,000 in your first three months.*

Regular APR:

19.24% to 29.24% variable purchase APR based on creditworthiness. Rates as of 1/1/2023

Purchase Intro APR:

0% Intro Purchase APR for 12 Months*

Balance Transfer Intro APR:

N/A

Annual Fee:

$0*
Car connoisseurs rejoice, especially if your interests land in the General Motors (GM) manufacturing portfolio. You’ll earn 7X points on GM purchases and 4X points everywhere else with this card, all for no annual fee and with no reward earning caps.

Read our full My GM Rewards Card review.
- The only U.S. co-branded card that offers unlimited 4x points on all purchases and no annual fee.*
- Get 15,000 bonus points after you spend $1,000 in your first three months.*
- Earn unlimited 7x total points with GM.*
- Redeem towards a new GM vehicle purchase or lease with no limit. For example, spending $12K per year on everyday purchases will earn you 48,000 pts/$480 toward future redemption with GM
- 0% intro APR on purchases for the first 12 months, then a variable APR of 19.24% to 29.24%.*
- No annual fee, no foreign transaction fees, or cash advance fees. Late fees may apply.*
- See if you're approved with no impact to your Credit Score. Accepting a card after your application is approved will result in a hard inquiry, which may impact your credit score.
- Terms & Limitations Apply. Click here to see *Rates and Terms and Benefit Terms. Subject to credit approval.

See Rates & Fees

Credit Card Tools

Credit card compare tool

Compare up to 3 credit cards from our partners using the side-by-side card comparison tool below.

Spender type tool

Get personalized recommendations from our partners based on your credit score and spending habits.

More Tools

Credit Card Reviews

See all reviews

ALLY EVERYDAY CASH BACK MASTERCARD REVIEW: ELEVATED CASH BACK ON EVERYDAY SPENDING

The Ally Everyday Cash Back Mastercard is one of the newest rewards cards from Ally Bank, offering 3 percent cash back on common expenses such as gas stations, grocery stores [...]

Read full review

CHASE SAPPHIRE PREFERRED® CARD REVIEW: THE BEST TRAVEL REWARDS CARD FOR UNDER $100?

A fantastic rewards card with everyday value for travel lovers who don’t want to pay a huge annual fee.

Read full review

DELTA SKYMILES® GOLD AMERICAN EXPRESS CARD REVIEW: ENOUGH PERKS TO JUSTIFY THE ANNUAL FEE

Great everyday rewards and lucrative benefits for value-minded Delta travelers.

Read full review

BANKAMERICARD® SECURED CREDIT CARD REVIEW: A CHANCE TO GET AHEAD IF YOU HAVE LIMITED OPTIONS

As a starter card, the BankAmericard provides access to credit in a simplified way.

Read full review

MERRICK BANK SECURED CREDIT CARD REVIEW: A LOW-INTEREST CARD FOR CREDIT-BUILDERS

Merrick Bank Secured Credit Card overview If you’re new to credit, the Merrick Bank Secured Credit Card can help. It’s a no-frills card that comes with one of the lowest [...]

Read full review

Editor's Picks

What’s the value of your American Airlines miles?

3 min read

a young women holding henads up to her head surrounded by a calendar and credit card

So you haven’t been sticking to your resolutions. Here’s how to reset and crush the next 11 months.

5 min read

Businesswoman assessing expenses with calculator

Best credit cards for paying taxes in 2023

7 min read

Best credit cards with cellphone insurance

5 min read

Achieve New Year’s goals with these cards

6 min read

Credit Cards

What happens to your retail credit card when a store closes?

4 min read

Credit Cards

Biggest credit card scams to look out for in 2023

7 min read

Credit Cards

More people are carrying credit card debt, and it costs more than ever

3 min read

Latest Articles

How to transfer Chase points

Transferring Chase points is an easy way to maximize your point potential.

5 min read Jan 26, 2023
Guide to Bilt Rewards Mastercard

This card lets you pay your rent with no added fees and earn rewards while you’re at it.

4 min read Jan 26, 2023
New X1+ card expands on the X1 experience, but for an annual fee

Marketed as a “smart card,” the X1+ credit card brings additional features and rewards for the travel savvy.

2 min read Jan 26, 2023
What’s the value of your American Airlines miles?

The value of your American Airlines miles depends on how you’re redeeming them.

3 min read Jan 26, 2023
So you haven’t been sticking to your resolutions. Here’s how to reset and crush the next 11 months.

Don’t let imperfection impede your progress toward your 2023 goals.

5 min read Jan 26, 2023
How to upgrade or downgrade your Capital One credit card

Upgrading or downgrading your Capital One card can be a smart financial move.

6 min read Jan 26, 2023
Current credit card interest rates

View current credit card rates based on Bankrate.com’s weekly national survey of large banks and thrifts.

1 min read Jan 25, 2023
Best credit cards for paying taxes in 2023

Which credit cards are best for paying taxes?

7 min read Jan 25, 2023
Capital One Platinum benefits guide

Learn more about the Capital One Platinum card’s perks, fees and more.

4 min read Jan 25, 2023
Best credit cards with cellphone insurance

Theft, loss or damage to your phone can happen — consider a card that will cover it.

5 min read Jan 25, 2023