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Best Credit Cards of October 2023

Updated September 27, 2023

No matter what a credit card company or advertisement says, there isn’t a single “best” credit card for everyone. The best card for you depends on your spending habits, credit score, existing debt and more. But with so many options to choose from, picking the right card can be intimidating. 

That’s why Bankrate’s experts rated and reviewed over 250 cards of the top card offers on the market to create our list of the best credit cards of 2023. We’ve evaluated each card based on its rewards value, rates and fees, welcome offers, customer experience, cardholder perks and more to give you a clear sense of where it shines and where it may fall short. In addition to Bankrate’s review scores, check out our deep dive into each card to see if it’s a good fit for your wallet (and pick up pro tips for maximizing its value).

So whether you’re looking for a rewards powerhouse, a money-saving 0-percent intro APR or a reliable way to build credit, one of these cards from our partners should be a great fit.

Best Cash Back Card Offers

Image of Wells Fargo Active Cash® Card

Best for 2% cash rewards

Wells Fargo Active Cash® Card

chance of approval
Info
Apply now Lock
on Wells Fargo's secure site
Rating: 4.3 stars out of 5
4.3 Bankrate review
Info

Intro offer

Info

Annual fee

Good to Excellent (670 – 850)
Info
chance of approval
Info
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

Intro offer

Info

Annual fee

Recommended credit

Good to Excellent (670 – 850)
Info

Best Balance Transfer Card Offers

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: 4.6 stars out of 5
4.6 Bankrate review
Info

Balance transfer intro APR

Annual fee

Recommended credit

Good to Excellent (670 – 850)
Info
Image of Wells Fargo Reflect® Card

Best for long intro APR

Wells Fargo Reflect® Card

chance of approval
Info
Apply now Lock
on Wells Fargo's secure site
Rating: 4.3 stars out of 5
4.3 Bankrate review
Info

Balance transfer intro APR

Annual fee

Good to Excellent (670 – 850)
Info
chance of approval
Info
Info

Best 0% Intro APR Card Offers

Image of Capital One VentureOne Rewards Credit Card

Best for travel card beginners

Capital One VentureOne Rewards Credit Card

Apply now Lock
on Capital One's secure site
Rating: 4.1 stars out of 5
4.1 Bankrate review
Info

Purchase intro APR

0% intro on purchases for 15 months

Annual fee

Recommended credit

Good to Excellent (670 – 850)
Info

Best Rewards Credit Card Offers

Image of Capital One SavorOne Cash Rewards Credit Card

Best for dining and entertainment

Capital One SavorOne Cash Rewards Credit Card

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

Intro offer

Info

Annual fee

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

Best for valuable rewards

Chase Sapphire Preferred® Card

Apply now Lock
on Chase's secure site
Rating: 4.9 stars out of 5
4.9 Bankrate review
Info

Intro offer

Info

Annual fee

Recommended credit

Good to Excellent (670 – 850)
Info

Best No Annual Fee Card Offers

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

Intro offer

Info

Annual fee

Good to Excellent (670 – 850)
Info
chance of approval
Info
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

Intro offer

Info

Annual fee

Recommended credit

Good to Excellent (670 – 850)
Info

Best Travel Card Offers

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

Intro offer

Info

Annual fee

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

BEST FOR Flexible travel redemption

Capital One Venture Rewards Credit Card

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

Intro offer

Info

Annual fee

Good to Excellent (670 – 850)
Info
chance of approval
Info
Info

Best Business Credit Card Offers

Image of Ink Business Cash® Credit Card

Best business card with no annual fee

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

Info

Annual fee

Recommended credit

Good to Excellent (670 – 850)
Info
Image of Ink Business Premier℠ Credit Card

BEST FOR LARGE BUSINESS EXPENSES

Ink Business Premier℠ Credit Card

Apply now Lock
on Chase's secure site
Rating: 3.4 stars out of 5
3.4 Bankrate review
Info

Intro offer

Info

Annual fee

Recommended credit

Good to Excellent (670 – 850)
Info

Best Airlines Card Offers

Image of Southwest Rapid Rewards® Plus Credit Card
Apply now Lock
on Chase's secure site
Rating: 4.5 stars out of 5
4.5 Bankrate review
Info

Intro offer

Info

Annual fee

Recommended credit

Good to Excellent (670 – 850)
Info
Image of Alaska Airlines Visa® credit card

Best for companion certificate

Alaska Airlines Visa® credit card

Apply now Lock
on Bank of America's secure site
Rating: 4.5 stars out of 5
4.5 Bankrate review
Info

Intro offer

Info

Annual fee

Recommended credit

Good to Excellent (670 – 850)
Info

Best Hotels Credit Card Offers

Image of Hilton Honors American Express Card

Best no-annual-fee hotel card

Hilton Honors American Express Card

Apply now Lock
on American Express's secure site
Rating: 4.3 stars out of 5
4.3 Bankrate review
Info
See Rates & Fees , Terms Apply

Intro offer

Info

Annual fee

Recommended credit

Good to Excellent (670 – 850)
Info

Best Card Offer for Excellent Credit

Image of The Platinum Card® from American Express
chance of approval
Info
Apply now Lock
on American Express's secure site
Rating: 4.8 stars out of 5
4.8 Bankrate review
Info
See Rates & Fees , Terms Apply
See if you're pre‐qualified for this card with Approval Odds

Intro offer

Info

Annual fee

Good to Excellent (670 – 850)
Info
chance of approval
Info
Info

Best Card Offer for Good Credit

Image of American Express® Gold Card

Best for food and travel

American Express® Gold Card

chance of approval
Info
Apply now Lock
on American Express's secure site
Rating: 5 stars out of 5
5.0 Bankrate review
Info
See Rates & Fees , Terms Apply
See if you're pre‐qualified for this card with Approval Odds

Intro offer

Info

Annual fee

Good to Excellent (670 – 850)
Info
chance of approval
Info
Info

Best Card Offer for Fair Credit