The Best Credit Card Offers of 2023

Carrying the right credit card(s) for your spending habits is not only the responsible thing to do, but also the smart thing to do. Credit cards get a bad rap sometimes, especially when you start to see the fees and interest piling up. But the best credit card offers include cards that award cash back, points and miles, and even 0% APR introductory rates – all for little to no annual fee and comparatively low interest rates.

Below are the top credit cards available now. I’ve considered the following factors in compiling this list:

• Rewards: Some cards offer richer rewards than others. Whether cash back, points or miles, look for cards with the best perks. It’s also important to consider bonus deals.
• Interest Rates: The focus here is on 0% introductory rates. While low regular APRs can be a plus as well, they shouldn't matter if you are paying the card in full every month.
• Credit Needed: The most rewarding cards require excellent credit. As a result, we also include cards available to those with average credit.

Best Cash Back Offers

We want to alert you that some credit card offers may not be up to date; please check with the issuer for the most up to date product information

Chase Freedom Flex℠

The Chase Freedom Flex℠ is a terrific cash back credit card that offers 5% cash back on select categories each and every quarter. Things like gas, grocery and department store purchases are routinely included in the 5% categories and all other purchases earn 1%.

• Everyday Rewards: Earn 1% cash back on all purchases and 5% cash back on select purchases each quarter (up to $1,500 spent quarterly).
• Bonus Rewards: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
• Annual Fee: $0
• Extra Features: The Chase Freedom also provides cardholders a 0% intro APR on purchases and balance transfers for the first 15 Months! After that the ongoing APR is 19.74% - 28.49% Variable.

Capital One Quicksilver Cash Rewards Credit Card

The Capital One Quicksilver Cash Rewards Credit card also takes a simple approach to cash back rewards. You earn 1.5% cash back on every purchase. There is no annual fee.

• Everyday Rewards: 1.5% cash back on all purchases.
• Bonus Rewards: Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening.
• Annual Fee: $0
• Extra Features: 0% APR on purchases and balance transfers for 15 months, the ongoing APR of 19.74% - 29.74% (Variable) applies after; 3% fee on the amounts transferred within the first 15 months.

Best for: Earning 1.5% on everything. No category restrictions with the Capital One Quicksilver Cash Rewards Credit Card.

Wells Fargo Cash Wise Visa Card

The Wells Fargo Cash Wise Visa® card also pays 1.5% cash back on every purchase. It also offers a higher cash bonus of $150 for new cardmembers and a special 1.8% cash back rate on Google Pay™ or Apple Pay® mobile wallet net purchases.

• Everyday Rewards: Earn unlimited 1.5% cash rewards on everyday net purchases.
• Bonus Rewards: Earn $150 cash rewards bonus after spending $500 in net purchases in the first 3 months.
• Annual Fee: None.
• Extra Features: Enjoy 1.8% cash rewards on Google Pay or Apple Pay digital wallet net purchases during the first 12 months from account opening.

Best for: If you regularly pay with Google Pay or Apply Pay. You’ll earn 1.8% cash back for the first 12 months when you pay with these digital wallets, then 1.5% cash back on all other purchases. If that isn’t enough, the card offers a 0% intro APR on balance transfers and purchases for 15 months, with no annual fee. And the $150 cash bonus after spending $500 in the first 3 months isn’t hard to take either!

Learn how to apply HERE.

Blue Cash Preferred® Card From American Express

learn more

Last of the cash back cards on our list, but certainly not least, the Blue Cash Preferred® Card From American Express offers 6% cash back at U.S. supermarkets ($6,000 annual max spend, 1% after) and select U.S. streaming subscriptions; 3% cash back at U.S. gas stations and on transit, and 1% cash back on all other purchases. Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.. Terms apply

• 6% cash back at U.S. supermarkets, on up to $6,000 per year in purchases (1% after)
• 6% cash back on select U.S. streaming services (like Netflix, Hulu and others)
• 3% cash back at U.S. gas stations
• 3% cash back on transit (including tolls, taxis/rideshare, parking, trains, buses and more)
• 1% cash back on other purchases

See Rates & Fees.

Best for: Big families or small businesses. Earn 6% cash back on groceries (on up to $6,000 in purchases, 1% after) and 3% on gas purchases, then 1% on all other purchases. You’ll also like the cash back offer as well as the 0% intro APR on purchases for 12 Months from the date of account opening (after that your APR will be 18.99% - 29.99% Variable). Terms apply.

Best Travel Rewards Card Offers

Chase Sapphire Preferred® Card

The Chase Sapphire Preferred® Card is the premier travel card of the Chase portfolio. Dedicated 24-hour live customer support and 3x per dollar spent on dining and 2x on travel, also bolster a great opening act.

• Everyday Rewards: 5X points on travel purchased through Chase Ultimate Rewards; 2X points on all other travel purchases; 3X points on dining and 1X point on all other purchases.
• Bonus Rewards: Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,000 when you redeem through Chase Ultimate Rewards®.
• Annual Fee: $95
• Rewards Transfer: You can also transfer your Ultimate Rewards® points at a 1:1 ratio.

Best for: You’ve got a big trip coming up and need a fat bonus to help pay for it. Get the biggest sign-up bonus on our list and, if you like travel and dining out, you’ll earn 2X points rewards on both.

Brex 30 Card

The Brex 30 Card is a business credit card. To qualify, your business must have $50,000 in its bank account if the money is invested. Otherwise, the business must have $100,000 available.

If you also sign up for Brex Cash when you get the card, you can earn a bonus of 50,000 points. You can redeem these points for a variety of travel rewards, including flights and hotel stays. You can also transfer the points to airline mile programs if you want to combine your rewards balances for a redemption.

Beyond the sign up bonus, the card offers lucrative ongoing rewards. You’ll earn:

• 7x points on rideshares
• 4x points on flights and hotels through Brex Travel
• 3x on dining
• 1x on everything else

Best for: Business owners who want a card with lots of bonus categories.

Capital One Venture Rewards Credit Card

The Capital One Venture Rewards Credit Card is the card with the most memorable commercials, but it’s also one of the best travel cards around today. It’s most valuable if you use the benefits for travel, when the miles are worth more. Here are the details:

• Everyday Rewards: Earn unlimited 2X miles per dollar on every purchase, every day.
• Bonus Rewards: 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.
• Annual Fee: $95
• Extra Features: Earn 5X on hotels and car rentals when booked through Capital One Travel. And there are no foreign transaction fees.

Best for: Earn 2X miles on ALL purchases. 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.. Plus there are no foreign transaction fees with the Capital One Venture Rewards Credit Card.

Related: Best Airline Credit Cards

More Offers: You’ll find an extensive list of 0% credit cards here.