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Best Credit Cards and Top Offers of January 2023

Updated January 27, 2023

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

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