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There’s a whole world of credit cards out there, but Bankrate knows you’re not trying to fit the world into your wallet. Our experts are dedicated to helping you make the right choice, with the best credit cards of 2023 available from our partners — rewards, cash back, travel, balance transfer, 0 percent intro APR and more. We do the research, so you don’t have to sift through hundreds of options to find the best credit card for you.

Best Cash Back Cards

Image of Wells Fargo Active Cash® Card

Best for 2% cash rewards

Wells Fargo Active Cash® Card

Apply now Lock
On Wells Fargo's secure site
Rating: 4.3 stars out of 5
4.3 Bankrate review
Info
See Rates & Fees

Intro offer

$200 cash rewards
Info

Annual fee

$0

Regular APR

19.24%, 24.24%, or 29.24% Variable APR

Recommended credit

Good to Excellent (670 – 850)
Info
Image of Discover it® Cash Back

Best for category variety

Discover it® Cash Back

Apply now Lock
On Discover's secure site
Rating: 4.4 stars out of 5
4.4 Bankrate review
Info
See Rates & Fees

Intro offer

Cashback Match™
Info

Annual fee

$0

Regular APR

16.24% - 27.24% Variable APR

Recommended credit

Good to Excellent (670 – 850)
Info

Best Rewards Credit Cards

Image of Capital One SavorOne Cash Rewards Credit Card

Best for dining and entertainment

Capital One SavorOne Cash Rewards Credit Card

Apply now Lock
On Capital One's secure site
Rating: 4.9 stars out of 5
4.9 Bankrate review
Info

Intro offer

$200
Info

Annual fee

$0

Regular APR

19.24% - 29.24% (Variable)

Recommended credit

Good to Excellent (670 – 850)
Info
Image of Chase Sapphire Preferred® Card

Best starter travel card

Chase Sapphire Preferred® Card

Apply now Lock
On Chase's secure site
Rating: 5 stars out of 5
5.0 Bankrate review
Info

Intro offer

60,000 points
Info

Annual fee

$95

Regular APR

20.24% - 27.24% Variable

Recommended credit

Good to Excellent (670 – 850)
Info

Best Balance Transfer Cards

Image of Wells Fargo Reflect® Card

Best for long intro APR

Wells Fargo Reflect® Card

Apply now Lock
On Wells Fargo's secure site
Rating: 4.7 stars out of 5
4.7 Bankrate review
Info
See Rates & Fees

Balance transfer intro APR

0% intro APR for up to 21 months from account opening on qualifying balance transfers

Annual fee

$0

Regular APR

17.24% - 29.24% Variable APR

Recommended credit

Good to Excellent (670 – 850)
Info
Image of Discover it® Balance Transfer

BEST FOR BALANCE TRANSFERS AND CASH BACK

Discover it® Balance Transfer

Apply now Lock
On Discover's secure site
Rating: 4.7 stars out of 5
4.7 Bankrate review
Info
See Rates & Fees

Balance transfer intro APR

0% for 18 months

Annual fee

$0

Regular APR

16.24% - 27.24% Variable APR

Recommended credit

Good to Excellent (670 – 850)
Info

Best 0% Intro APR Cards

Image of Citi® Diamond Preferred® Card

Best for balance transfers with excellent credit

Citi® Diamond Preferred® Card

Apply now Lock
On Citi's secure site
Rating: 4 stars out of 5
4.0 Bankrate review
Info

Intro offer

N/A

Annual fee

$0

Regular APR

17.24% - 27.99% (Variable)

Recommended credit

Good to Excellent (670 – 850)
Info
Image of Blue Cash Preferred® Card from American Express
Apply now Lock
On American Express's secure site
Rating: 4.4 stars out of 5
4.4 Bankrate review
Info
See Rates & Fees , Terms Apply
See if you're pre‐approved for this card with CardMatch™

Intro offer

$250
Info

Annual fee

$0 intro annual fee for the first year, then $95.

Regular APR

18.24%-29.24% Variable

Recommended credit

Good to Excellent (670 – 850)
Info

Best No Annual Fee Cards

Image of Capital One Quicksilver Cash Rewards Credit Card
Apply now Lock
On Capital One's secure site
Rating: 3.8 stars out of 5
3.8 Bankrate review
Info

Intro offer

$200
Info

Annual fee

$0

Regular APR

19.24% - 29.24% (Variable)

Recommended credit

Good to Excellent (670 – 850)
Info
Image of Wells Fargo Autograph℠ Card

BEST FOR GAS AND TRANSIT

Wells Fargo Autograph℠ Card

Apply now Lock
On Wells Fargo's secure site
Rating: 4 stars out of 5
4.0 Bankrate review
Info
See Rates & Fees

Intro offer

20,000 Points
Info

Annual fee

$0

Regular APR

19.24%, 24.24%, or 29.24% Variable APR

Recommended credit

Good to Excellent (670 – 850)
Info

Best Travel Cards

Image of Capital One Venture X Rewards Credit Card
Apply now Lock
On Capital One's secure site
Rating: 5 stars out of 5
5.0 Bankrate review
Info

Intro offer

75,000 miles
Info

Annual fee

$395

Regular APR

21.24% - 28.24% (Variable)

Recommended credit

Excellent (740 – 850)
Info
Image of Capital One Venture Rewards Credit Card

Best for flexible redemption options

Capital One Venture Rewards Credit Card

Apply now Lock
On Capital One's secure site
Rating: 4.9 stars out of 5
4.9 Bankrate review
Info

Intro offer

75,000 miles
Info

Annual fee

$95

Regular APR

20.24% - 28.24% (Variable)

Recommended credit

Good to Excellent (670 – 850)
Info

Best Business Credit Cards

Image of Ink Business Cash® Credit Card

BEST BUSINESS SIGN-UP BONUS

Ink Business Cash® Credit Card

Apply now Lock
On Chase's secure site
Rating: 4.6 stars out of 5
4.6 Bankrate review
Info

Intro offer

$900
Info

Annual fee

$0

Regular APR

17.49% - 23.49% Variable

Recommended credit

Good to Excellent (670 – 850)
Info
Image of New Business Card! Ink Business Premier℠ Credit Card
Apply now Lock
On Chase's secure site
Rating: 3.7 stars out of 5
3.7 Bankrate review
Info

Intro offer

$1,000 Cash Back
Info

Annual fee

$195

Regular APR

Flex for Business Variable APR: 18.49% - 26.49%

Recommended credit

Good to Excellent (670 – 850)
Info

Best Card for Excellent Credit

Image of Citi Custom Cash℠ Card

Best second credit card

Citi Custom Cash℠ Card

Apply now Lock
On Citi's secure site
Rating: 4.4 stars out of 5
4.4 Bankrate review
Info

Intro offer

$200
Info

Annual fee

$0

Regular APR

18.24% - 28.24% (Variable)

Recommended credit

Good to Excellent (670 – 850)
Info

Best Card for Good Credit

Image of Citi Premier® Card

Best for travel rewards on everyday purchases

Citi Premier® Card

Apply now Lock
On Citi's secure site
Rating: 4.7 stars out of 5
4.7 Bankrate review
Info

Intro offer

60,000 points
Info

Annual fee

$95

Regular APR

20.24% - 28.24% (Variable)

Recommended credit

Good to Excellent (670 – 850)
Info

Best Card for Fair Credit

Image of Capital One Platinum Credit Card
Apply now Lock
On Capital One's secure site
Rating: 4.3 stars out of 5
4.3 Bankrate review
Info

Intro offer

N/A

Annual fee

$0

Regular APR

29.74% (Variable)

Recommended credit

Fair to Good (580 – 740)
Info

Best Card for No Credit History

Image of Discover it® Secured Credit Card

BEST FOR CREDIT-BUILDING WITH CASH BACK

Discover it® Secured Credit Card

Apply now Lock
On Discover's secure site
Rating: 5 stars out of 5
5.0 Bankrate review
Info
See Rates & Fees

Intro offer

Cashback Match™
Info

Annual fee

$0

Regular APR

27.24% Variable APR

Recommended credit

No Credit History
Info
Image of Discover it® Student Cash Back

Best for cash back with no credit history

Discover it® Student Cash Back

Apply now Lock
On Discover's secure site
Rating: 4.3 stars out of 5
4.3 Bankrate review
Info
See Rates & Fees

Intro offer

Cashback Match™
Info

Annual fee

$0

Regular APR

17.24% - 26.24% Variable APR

Recommended credit

No Credit History
Info

Best Card for Poor Credit

Image of Capital One Platinum Secured Credit Card
Apply now Lock
On Capital One's secure site
Rating: 4.2 stars out of 5
4.2 Bankrate review
Info

Intro offer

N/A

Annual fee

$0

Regular APR

29.74% (Variable)

Recommended credit

No Credit History
Info

Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.

How we choose Bankrate's best credit cards

Bankrate currently has expert reviews for more than 200 credit cards, which are rated using a 5-star scoring system. The most important factors we use to determine which cards appear on this page include:

  • Checkmark
    APRs

    Affordable interest rates are essential to great credit card offers. If you ever need to carry over part of your balance from one month to another, which we advise against if at all possible, a lower APR should reduce the amount of interest you're charged.

  • Checkmark
    Rewards programs

    Top programs for earning cash back, points or miles offer generous rewards rates and flexible redemption options. Some reward programs also include discounts and online shopping portals.

  • Checkmark
    0% introductory APR offer

    A zero-percent APR offer — essentially a temporary reprieve from interest — could make it much less expensive to pay off a big purchase or a balance transfer. The best offers last anywhere from 12 months to 21 months before the regular APR applies.

  • Checkmark
    Fees

    A low ownership cost is another key element of the best credit cards. The total burden of fees should be low. If a card does charge an annual fee, it should also offer rewards and benefits that can help offset that cost.

  • Checkmark
    User-focused value

    Benefits geared toward providing cardholders ongoing value like annual credits, auto-pay options, credit-building tools, fraud protection, insurance and more help make a credit card worth keeping in your wallet.


Compare Bankrate's best credit cards of 2023

Card name Our pick for Card highlights Bankrate Score
Wells Fargo Active Cash Card 2% cash rewards
Unlimited 2% cash rewards on purchases
Up to two $600 cellphone protection claims per year for eligible theft or damage (minus a $25 deductible)
No annual fee
4.3 / 5
(Read full card review)
Discover it Cash Back Category variety
5% cash back on activated rotating categories each quarter (on up to $1,500 in purchases, then 1%)
Automatic Cashback Match™  for all rewards earned in the first year
No annual fee
4.4 / 5
(Read full card review)
Capital One SavorOne Cash Rewards Credit Card Dining and entertainment
10% cash back on Uber and Uber Eats purchases (through Nov. 14, 2024)
8% cash back on Capital One Entertainment purchases
5% cash back on hotels and rental cars through Capital One Travel
3% cash back on dining, entertainment, select streaming services and grocery store purchases (excluding superstores like Walmart and Target)
No annual fee
4.9 / 5
(Read full card review)
Chase Sapphire Preferred Card Starter travel card
3X points on online grocery purchases (excluding Walmart, Target and wholesale clubs), dining (including eligible delivery services) and select streaming services
5X points on Chase Ultimate Rewards travel and Lyft Rides (Lyft offer through March 31, 2025)
2X points on other travel
25% point value boost toward Chase Ultimate Rewards travel redemption
Yearly bonus points and credits: $50 annual hotel stay credit and 10% back on your previous year's total combined spending points
$95 annual fee
5.0 / 5
(Read full card review)
Wells Fargo Reflect Card Long intro APR
18-month 0% intro APR on qualifying balance transfers (up to 21 months with on-time payments during the intro period)
18-month 0% intro APR on purchases (up to 21 months with on-time payments during the intro period)
17.24% to 29.24% variable APR afterward
No annual fee
4.7 / 5
(Read full card review)
Discover it® Balance Transfer Best for balance transfers and cash back

0% intro APR on balance transfers for 18 months (16.24% to 27.24% variable thereafter)

5% cash back on activated rotating categories each quarter (on up to $1,500 in purchases, then 1%)

Autotmatic Cashback Match™for all rewards earned at the end of the first year

No annual fee

4.7 / 5
(Read full card review)
Citi Diamond Preferred Card Balance transfers with excellent credit
21-month 0% intro APR on balance transfers (must be completed within four months of account opening)
12-month 0% intro APR on purchases
17.24% to 27.99% variable APR afterward
 
No annual fee
4.0 / 5
(Read full card review)
Blue Cash Preferred from American Express Long-term value
6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%)
6% cash back on select U.S. streaming subscriptions
3% cash back on transit and at U.S. gas stations
Up to $84 in streaming service statement credits each year in the form of monthly $7 credits after at least a $13.99 Disney Bundle subscription payment
$0 intro annual fee for the first year ($95 afterward)
4.4 / 5
(Read full card review)
Capital One Quicksilver Cash Rewards Credit Card Starter rewards card
Unlimited 1.5% cash back on all purchases
Cash back can be automatically redeemed at set time period or cash value
No annual fee
3.8 / 5
(Read full card review)
Wells Fargo Autograph Card Gas and transit
3X points on restaurant, travel, gas station, transit, popular streaming service and phone plan purchases
1X points on other purchases
No annual fee
4.0 / 5
(Read full card review)
Capital One Venture X Rewards Credit Card No-frills benefits
10X miles on hotel and rental car bookings through Capital One Travel
5X miles on flights through Capital One Travel
2X miles on all other purchases
$300 in annual statement credits for Capital One Travel purchases and 10,000 account anniversary bonus miles can offset the $395 annual fee
$395 annual fee
5 / 5
(Read full card review)
Capital One Venture Rewards Credit Card Flexible redemption options
5X miles on hotels and rental cars through Capital One Travel
2X miles on all other purchases
Flexible miles can be redeemed for statement credits toward eligible travel purchases within the last 90 days
$95 annual fee
4.9 / 5
(Read full card review)
Ink Business Cash® Credit Card Business sign-up bonus
$900 cash back after spending $6,000 on purchases in the first three months.
5% cash back at office supply stores, internet, cable and phone services (on the first $25,000 in combined purchases each year, then 1%)
2% cash back at gas stations and restaurants (on the first $25,000 in combined purchases each year, then 1%)
No annual fee
4.6 / 5
(Read full card review)
Ink Business Premier℠ Credit Card Large business expenses
5% cash back on travel booked through Chase Ultimate Rewards
2.5% cash back on purchases over $5,000
2% cash back on all other business purchases
$195 annual fee
3.7 / 5
(Read full card review)
Citi Custom Cash Card Second credit card
5% cash back on the top spending category each billing cycle (on up to $500, then 1%)
No annual fee
4.4 / 5
(Read full card review)
Citi Premier Card Travel rewards on everyday purchases
3X points on restaurant, supermarket, gas station hotel and air travel purchases
Annual $100 hotel savings credit for a single hotel stay of at least $500 (excluding taxes and fees)
$95 annual fee
4.7 / 5
(Read full card review)
Capital One Platinum Credit Card Upgrading
Could be available with fair credit without a security deposit
Considered for a credit limit increase after an account review starting after six months
No annual fee
4.3 / 5
(Read full card review)
Discover it Secured Credit Card Credit-building with cash back
2% cash back at gas stations and restaurants  (on up to $1,000 in combined purchases per quarter, then 1%)
Automatic Cashback Match™ for all rewards earned in the first year
Low rates and fees for first-time cardholders, including no annual fee, foreign transaction fees, penalty APR or late fee on the first late payment (up to $41 after that)
No annual fee
5 / 5
(Read full card review)
Discover it Student Cash Back Cash back with no credit history
5% cash back on activated rotating categories each quarter (on up to $1,500 in purchases, then 1%)
Automatic Cashback Match™ for all rewards earned in the first year
Low rates and fees for first-time cardholders, including no foreign transaction fees, penalty APR or late fee on the first late payment (up to $41 after that)
No annual fee
4.3 / 5
(Read full card review)
Capital One Platinum Secured Card Credit limit policy A security deposit as low as $49 ($49, $99 or $200, based on creditworthiness) that provides at least a $200 credit limit
Considered for a credit limit increase after an account review starting after six months
No annual fee
4.2 / 5
(Read full card review)

A closer look at Bankrate’s best credit card offers

Wells Fargo Active Cash Card: Best for 2% cash rewards

  • What we love about the Wells Fargo Active Cash Card: Most cards that earn 2 percent cash rewards come with spending caps, tiered categories or redemption restrictions. The Wells Fargo Active Cash® Card offers unlimited cash rewards  on purchases and has a competitive edge with Wells Fargo’s traditional cellphone protection perk — as long as you pay your monthly cellphone bill with this card (limit of two up to $600 claims per year, minus a $25 deductible).
  • Who this card is good for: Someone who wants a simple rewards card will find the Active Cash worth it since this card allows them to earn high-caliber cash rewards on their purchases without worrying about spending caps or redemption constraints.
  • Alternatives: While technically not a flat-rate cash back card, the Chase Freedom Unlimited® carries a minimum of 1.5 percent back on all purchases as well as a variety of other unlimited bonus cash back categories, offering a significant boost to its average cash back rate if you spend heavily on dining, drugstores and travel through Chase.

Learn more: Wells Fargo Active Cash vs. Citi® Double Cash Card
Read our Wells Fargo Active Cash Card review or jump back to offer details.

Discover it Cash Back: Best for category variety

  • What we love about the Discover it Cash Back: One of Discover’s trademark features is its unique cash back match welcome offer. Discover will automatically match all the cash back you’ve earned at the end of your first year of card membership. Considering its high cash back rates in several popular, rotating categories, this card should also deliver plenty of value beyond the first year.
  • Who this card is good for: People who are willing to put in a little work to maximize their rewards. To make the most of the card’s rotating bonus categories, you’ll need to activate new categories each quarter and adjust your spending habits to match.
  • Alternatives: While the Discover it® Cash Back card offers low fees and predictable rotating bonus categories, the Chase Freedom Flex℠ may beat the Discover it Cash Back since it offers two additional, year-round 3 percent back categories and superior benefits, including fantastic travel insurance and World Elite Mastercard perks.

Learn more: Is the Discover it Cash Back worth it?
Read our full Discover it Cash Back review or jump back to offer details

Capital One SavorOne Cash Rewards Credit Card: Best for dining and entertainment

  • What we love about the Capital One SavorOne Cash Rewards Credit Card: On top of its comprehensive (and rare) entertainment bonus category, the card also earns rewards on popular streaming services. That’s not to mention its everyday bonus categories, which are among the most rewarding out there for a card with no annual fee and make the SavorOne one of the most versatile standalone rewards cards on the market.
  • Who this card is good for: Entertainment-seekers who want to turn their appreciation for food and fun into cash rewards.
  • Alternatives: If you’re a foodie seeking a standalone rewards card, you might want to consider the Chase Freedom Unlimited instead, especially if you already have a Chase travel card to pool rewards with. The Freedom Unlimited not only offers 3 percent back on dining, but also earns at least 1.5 percent cash back on all other purchases, making it a great option for everyday spending.

Learn more: Is the Capital One SavorOne Worth it?
Read our full Capital One SavorOne Cash Rewards Credit Card review or jump back to offer details.

Lightbulb

Bankrate Insight

As part of a new partnership with Uber, Capital One’s recently added fantastic perks to select cards like the SavorOne, including 10 percent cash back on Uber rides and Uber Eats orders and complimentary Uber One membership (through Nov. 14, 2024).

Chase Sapphire Preferred Card: Best starter travel card

  • What we love about the Chase Sapphire Preferred Card: You can enjoy valuable travel rewards, diverse bonus categories beyond travel, stellar travel protections and annual account bonus points and credits that easily justify the $95 annual fee. Plus, you can pool points across multiple Ultimate Rewards cards and redeem for 25 percent more value if you opt for travel through Chase, making this the perfect partner for a no-annual-fee Chase rewards card.
  • Who this card is good for: Occasional travelers who value flexibility and are looking for a low-cost way to earn travel rewards on everyday spending (especially foodies and fans of online grocery shopping).
  • Alternatives: If you’d rather avoid an annual fee — but still want a decent rewards rate and valuable miles — the Capital One VentureOne Rewards credit card is worth a look. The card carries a solid flat rewards rate (1.25X miles on all purchases), flexible redemption and even an intro APR on purchases that could help you chip away at expenses while saving on interest.

Learn more: Why expert Jordan Bishop loves the Chase Sapphire Preferred.
Read our full Chase Sapphire Preferred Card review or jump back to offer details.

Wells Fargo Reflect Card: Best for long intro APR

  • What we love about the Wells Fargo Reflect Card: Its chart-topping promotional interest offer (received by meeting the qualifying requirements) extends to both purchases and qualifying balance transfers. Even the 18-month base offer is lengthy for a zero-interest intro APR card (then 17.24 percent to 29.24 percent variable APR).
  • Who this card is good for: Someone looking for as much breathing room as possible as they pay off a transferred balance and new purchases.
  • Alternatives: Like the Wells Fargo Reflect Card, the BankAmericard® credit card is a no-frills zero interest card. However, the BankAmericard is more streamlined since its 0% intro APR on purchases and balance transfers lasts for 21 billing cycles upfront — with no extra steps required to receive the full offer (followed by a 16.24% - 26.24% variable APR).

Learn more: Is the Wells Fargo Reflect card worth it?
Read our full Wells Fargo Reflect Card review or jump back to offer details.

Discover it® Balance Transfer: Best for balance transfers and cash back

  • What we love about the Discover it Balance