Best Credit Cards 2023

This month, the Chase Sapphire Preferred® Card is rated the best overall offer for rewards as it gives you a 60,000 point sign-up bonus as well as 2x points in selected categories. The redemption for travel with this offer is also incentivized nicely and the points transfer value is among the industry best.

The best options for carrying a balance this month are the Citi® Diamond Preferred® Card for 0% APR on purchases, BankAmericard® Credit Card for 0% balance transfers, and Chase Freedom® for 0% a cash back card.

Bookmark Offer Chase Sapphire Preferred® Card Apply Now Learn More Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards® 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases. Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 60,000 points are worth $750 toward travel Get unlimited deliveries with a $0 delivery fee and reduced service fees on orders over $12 for a minimum of one year on qualifying food purchases with DashPass, DoorDash's subscription service. Activate by 12/31/21. Earn 5X points on Lyft rides through March 2022. That's 3X points in addition to the 2X points you already earn on travel. Intro APR (Balance Transfers) Intro Period (Balance Transfers) Intro APR (Purchases) Intro Period (Purchases) Regular APR Annual Fee Compare N/A N/A N/A N/A 17.49% - 24.49% Variable $95 close IMPORTANT DISCLAIMERclose * This information is provided through a relationship with CreditKarma.com. Credit Karma members have received approvals with these TransUnion New Account credit scores. Please note that because other factors may affect credit card approval, these approval metrics are only guidelines and approval is not guaranteed. close Chase Sapphire Preferred® Card Termsclose Instant Approval Balance Transfers Credit Type Card For Purchase Rates Intro APR N/A Intro Period N/A Regular APR 17.49% - 24.49% Variable Balance Transfer Rates Intro APR N/A Intro Period N/A Regular APR 17.49% - 24.49% Variable Cash Advance Rates Intro APR Intro Period Regular APR Rewards Information Rewards Type Rewards Bonus Rewards Cap Program Cost Balance Transfer Fee Information Balance Transfer Fee Balance Transfer Fee Details Additional Fees & Penalties Maximum Late Fee Maximum Over Limit Fee Maximum Default APR Cash Advance Fee Foreign Transaction Fee One Time Setup Fee

Bookmark Offer Capital One Venture Rewards Credit Card Apply Now Write a Review Read Reviews Learn More 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 the 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 Intro APR (Balance Transfers) Intro Period (Balance Transfers) Intro APR (Purchases) Intro Period (Purchases) Regular APR Annual Fee Compare N/A N/A N/A N/A 20.74% - 28.74% (Variable) $95 Calculators: Minimum Payment close IMPORTANT DISCLAIMERclose * This information is provided through a relationship with CreditKarma.com. Credit Karma members have received approvals with these TransUnion New Account credit scores. Please note that because other factors may affect credit card approval, these approval metrics are only guidelines and approval is not guaranteed. close Capital One Venture Rewards Credit Card Termsclose Instant Approval Balance Transfers Credit Type Card For Purchase Rates Intro APR N/A Intro Period N/A Regular APR 20.74% - 28.74% (Variable) Balance Transfer Rates Intro APR N/A Intro Period N/A Regular APR 20.74% - 28.74% (Variable) Cash Advance Rates Intro APR Intro Period Regular APR 28.24% (Variable) Rewards Information Rewards Type Rewards Bonus Rewards Cap Program Cost Balance Transfer Fee Information Balance Transfer Fee $0 at this Transfer APR Balance Transfer Fee Details $0 at this Transfer APR Additional Fees & Penalties Maximum Late Fee Up to $40 Maximum Over Limit Fee Maximum Default APR Cash Advance Fee 3% of the amount of the cash advance, but not less than $3 Foreign Transaction Fee None One Time Setup Fee

Bookmark Offer Capital One VentureOne Rewards Credit Card Apply Now Write a Review Read Reviews Learn More $0 annual fee and no foreign transaction fees Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel Earn unlimited 1.25X 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 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 Enjoy 0% intro APR on purchases and balance transfers for 15 months; 19.74% - 29.74% variable APR after that; 3% fee on the amounts transferred within the first 15 months Intro APR (Balance Transfers) Intro Period (Balance Transfers) Intro APR (Purchases) Intro Period (Purchases) Regular APR Annual Fee Compare 0% intro on balance transfers for 15 months 0% intro on purchases for 15 months 19.74% - 29.74% (Variable) $0 Calculators: Minimum Payment close IMPORTANT DISCLAIMERclose * This information is provided through a relationship with CreditKarma.com. Credit Karma members have received approvals with these TransUnion New Account credit scores. Please note that because other factors may affect credit card approval, these approval metrics are only guidelines and approval is not guaranteed. close Capital One VentureOne Rewards Credit Card Termsclose Instant Approval Balance Transfers Credit Type Card For Purchase Rates Intro APR 0% intro on purchases Intro Period for 15 months Regular APR 19.74% - 29.74% (Variable) Balance Transfer Rates Intro APR 0% intro on balance transfers Intro Period for 15 months Regular APR 19.74% - 29.74% (Variable) Cash Advance Rates Intro APR Intro Period Regular APR 29.24% (Variable) Rewards Information Rewards Type Rewards Bonus Rewards Cap Program Cost Balance Transfer Fee Information Balance Transfer Fee 3% Balance Transfer Fee Details 3% Additional Fees & Penalties Maximum Late Fee Up to $40 Maximum Over Limit Fee Maximum Default APR Cash Advance Fee 3% of the amount of the cash advance, but not less than $3 Foreign Transaction Fee None One Time Setup Fee

Bookmark Offer Citi® Double Cash Card Apply Now Learn More Earn cash back twice on every purchase with unlimited 1% cash back when you buy, plus an additional 1% cash back as you pay for those purchases. Receive 0% for 18 months on balance transfers made within 4 months of account opening Balance Transfers do not earn cash back; transfer fee applies If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month No categories to track and no caps on cash back No annual fee Intro APR (Balance Transfers) Intro Period (Balance Transfers) Intro APR (Purchases) Intro Period (Purchases) Regular APR Annual Fee Compare N/A N/A 0% for 18 months 18 Months 15.74% - 25.74% (variable) $0 close IMPORTANT DISCLAIMERclose * This information is provided through a relationship with CreditKarma.com. Credit Karma members have received approvals with these TransUnion New Account credit scores. Please note that because other factors may affect credit card approval, these approval metrics are only guidelines and approval is not guaranteed. close Citi® Double Cash Card Termsclose Instant Approval Balance Transfers Credit Type Card For Purchase Rates Intro APR 0% for 18 months Intro Period 18 Months Regular APR 15.74% - 25.74% (variable) Balance Transfer Rates Intro APR N/A Intro Period N/A Regular APR 15.74% - 25.74% (variable) Cash Advance Rates Intro APR Intro Period Regular APR Rewards Information Rewards Type Rewards Bonus Rewards Cap Program Cost Balance Transfer Fee Information Balance Transfer Fee Balance Transfer Fee Details Additional Fees & Penalties Maximum Late Fee Maximum Over Limit Fee Maximum Default APR Cash Advance Fee Foreign Transaction Fee One Time Setup Fee

Bookmark Offer Bank of America® Cash Rewards Credit Card Apply Now Learn More $200 online cash rewards bonus after you spend at least $1,000 on purchases in the first 90 days of account opening Earn 3% cash back in the category of your choice: gas, online shopping, dining, travel, drug stores, or home improvement/furnishings Plus, earn 2% at grocery stores and wholesale clubs, and 1% cash back on everything else Bonus rewards capped at $2,500 is combined bonus category purchases each quarter No annual fee If you're a Preferred Rewards client, you can increase that bonus to 25% - 75% Intro APR (Balance Transfers) Intro Period (Balance Transfers) Intro APR (Purchases) Intro Period (Purchases) Regular APR Annual Fee Compare 0% Intro APR for 15 Billing Cycles (for balance transfers made in the first 60 days) 15 Billing Cycles 0% Intro APR for 15 Billing Cycles 15 Billing Cycles 15.49% - 25.49% (Variable) $0 close IMPORTANT DISCLAIMERclose * This information is provided through a relationship with CreditKarma.com. Credit Karma members have received approvals with these TransUnion New Account credit scores. Please note that because other factors may affect credit card approval, these approval metrics are only guidelines and approval is not guaranteed. close Bank of America® Cash Rewards Credit Card Termsclose Instant Approval Balance Transfers Credit Type Card For Purchase Rates Intro APR 0% Intro APR for 15 Billing Cycles Intro Period 15 Billing Cycles Regular APR 15.49% - 25.49% (Variable) Balance Transfer Rates Intro APR 0% Intro APR for 15 Billing Cycles (for balance transfers made in the first 60 days) Intro Period 15 Billing Cycles Regular APR 15.49% - 25.49% (Variable) Cash Advance Rates Intro APR Intro Period Regular APR Rewards Information Rewards Type Rewards Bonus Rewards Cap Program Cost Balance Transfer Fee Information Balance Transfer Fee Balance Transfer Fee Details Additional Fees & Penalties Maximum Late Fee Maximum Over Limit Fee Maximum Default APR Cash Advance Fee Foreign Transaction Fee One Time Setup Fee

Bookmark Offer Capital One Quicksilver Cash Rewards Credit Card Apply Now Write a Review Read Reviews Learn More Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening Earn unlimited 1.5% cash back on every purchase, every day $0 annual fee and no foreign transaction fees Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024 Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn 0% intro APR on purchases and balance transfers for 15 months; 19.74%-29.74% variable APR after that; 3% fee on the amounts transferred within the first 15 months Intro APR (Balance Transfers) Intro Period (Balance Transfers) Intro APR (Purchases) Intro Period (Purchases) Regular APR Annual Fee Compare 0% intro on balance transfers for 15 months 0% intro on purchases for 15 months 19.74% - 29.74% (Variable) $0 Calculators: Minimum Payment close IMPORTANT DISCLAIMERclose * This information is provided through a relationship with CreditKarma.com. Credit Karma members have received approvals with these TransUnion New Account credit scores. Please note that because other factors may affect credit card approval, these approval metrics are only guidelines and approval is not guaranteed. close Capital One Quicksilver Cash Rewards Credit Card Termsclose Instant Approval Balance Transfers Credit Type Card For Purchase Rates Intro APR 0% intro on purchases Intro Period for 15 months Regular APR 19.74% - 29.74% (Variable) Balance Transfer Rates Intro APR 0% intro on balance transfers Intro Period for 15 months Regular APR 19.74% - 29.74% (Variable) Cash Advance Rates Intro APR Intro Period Regular APR 29.24% (Variable) Rewards Information Rewards Type Rewards Bonus Rewards Cap Program Cost Balance Transfer Fee Information Balance Transfer Fee 3% Balance Transfer Fee Details 3% Additional Fees & Penalties Maximum Late Fee Up to $40 Maximum Over Limit Fee Maximum Default APR Cash Advance Fee 3% of the amount of the cash advance, but not less than $3 Foreign Transaction Fee None One Time Setup Fee

Bookmark Offer Capital One SavorOne Cash Rewards Credit Card Apply Now Write a Review Read Reviews Learn More Earn a one-time $200 cash bonus after you spend $1000 on purchases within the first 3 months from account opening Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024 Earn 8% cash back on Capital One Entertainment purchases Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn 0% intro APR on purchases and balance transfers for 15 months; 19.74% - 29.74% variable APR after that; 3% fee on the amounts transferred within the first 15 months No foreign transaction fee No annual fee Intro APR (Balance Transfers) Intro Period (Balance Transfers) Intro APR (Purchases) Intro Period (Purchases) Regular APR Annual Fee Compare 0% intro on balance transfers for 15 months 0% intro on purchases for 15 months 19.74% - 29.74% (Variable) $0 Calculators: Minimum Payment close IMPORTANT DISCLAIMERclose * This information is provided through a relationship with CreditKarma.com. Credit Karma members have received approvals with these TransUnion New Account credit scores. Please note that because other factors may affect credit card approval, these approval metrics are only guidelines and approval is not guaranteed. close Capital One SavorOne Cash Rewards Credit Card Termsclose Instant Approval Balance Transfers Credit Type Card For Purchase Rates Intro APR 0% intro on purchases Intro Period for 15 months Regular APR 19.74% - 29.74% (Variable) Balance Transfer Rates Intro APR 0% intro on balance transfers Intro Period for 15 months Regular APR 19.74% - 29.74% (Variable) Cash Advance Rates Intro APR Intro Period Regular APR 29.24% (Variable) Rewards Information Rewards Type Rewards Bonus Rewards Cap Program Cost Balance Transfer Fee Information Balance Transfer Fee 3% Balance Transfer Fee Details 3% Additional Fees & Penalties Maximum Late Fee Up to $40 Maximum Over Limit Fee Maximum Default APR Cash Advance Fee 3% of the amount of the cash advance, but not less than $3 Foreign Transaction Fee None One Time Setup Fee

Bookmark Offer Chase Freedom Unlimited® Apply Now Learn More Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening. Earn unlimited 1.5% cash back on all purchases. 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.49 - 25.24%. 3% intro balance transfer fee when you transfer a balance during the first 60 days your account is open, with a minimum of $5 No annual fee No minimum to redeem for cash back Cash Back rewards do not expire as long as your account is open Intro APR (Balance Transfers) Intro Period (Balance Transfers) Intro APR (Purchases) Intro Period (Purchases) Regular APR Annual Fee Compare 0% Intro APR on Balance Transfers for 15 months 15 months 0% Intro APR on Purchases for 15 months 15 months 16.49% - 25.24% Variable $0 close IMPORTANT DISCLAIMERclose * This information is provided through a relationship with CreditKarma.com. Credit Karma members have received approvals with these TransUnion New Account credit scores. Please note that because other factors may affect credit card approval, these approval metrics are only guidelines and approval is not guaranteed. close Chase Freedom Unlimited® Termsclose Instant Approval Balance Transfers Yes Credit Type Card For Purchase Rates Intro APR 0% Intro APR on Purchases for 15 months Intro Period 15 months Regular APR 16.49% - 25.24% Variable Balance Transfer Rates Intro APR 0% Intro APR on Balance Transfers for 15 months Intro Period 15 months Regular APR 16.49% - 25.24% Variable Cash Advance Rates Intro APR Intro Period Regular APR Rewards Information Rewards Type Rewards Bonus Rewards Cap Program Cost Balance Transfer Fee Information Balance Transfer Fee Balance Transfer Fee Details Additional Fees & Penalties Maximum Late Fee Maximum Over Limit Fee Maximum Default APR Cash Advance Fee Foreign Transaction Fee One Time Setup Fee

Bookmark Offer BankAmericard® Credit Card Apply Now Learn More 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days, then 15.24% to 25.24% Variable APR $0 Intro Balance transfer fee during first 60 days of account opening. After that, the fee for future balance transfers is 3% (min. $10). No annual fee No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply. Access your FICO® Score for free within Online Banking or your Mobile Banking app Intro APR (Balance Transfers) Intro Period (Balance Transfers) Intro APR (Purchases) Intro Period (Purchases) Regular APR Annual Fee Compare 0% Intro APR for 15 Billing Cycles (for balance transfers made in the first 60 days) 15 Billing Cycles 0% Intro APR for 15 billing cycles 15 billing cycles 15.24% to 25.24% (Variable) $0 close IMPORTANT DISCLAIMERclose * This information is provided through a relationship with CreditKarma.com. Credit Karma members have received approvals with these TransUnion New Account credit scores. Please note that because other factors may affect credit card approval, these approval metrics are only guidelines and approval is not guaranteed. close BankAmericard® Credit Card Termsclose Instant Approval Balance Transfers Credit Type Card For Purchase Rates Intro APR 0% Intro APR for 15 billing cycles Intro Period 15 billing cycles Regular APR 15.24% to 25.24% (Variable) Balance Transfer Rates Intro APR 0% Intro APR for 15 Billing Cycles (for balance transfers made in the first 60 days) Intro Period 15 Billing Cycles Regular APR 15.24% to 25.24% (Variable) Cash Advance Rates Intro APR Intro Period Regular APR Rewards Information Rewards Type Rewards Bonus Rewards Cap Program Cost Balance Transfer Fee Information Balance Transfer Fee Balance Transfer Fee Details Additional Fees & Penalties Maximum Late Fee Maximum Over Limit Fee Maximum Default APR Cash Advance Fee Foreign Transaction Fee One Time Setup Fee

Bookmark Offer Citi® Diamond Preferred® Credit Card Apply Now Learn More Get 0% intro APR on new purchases and balance transfers for 18 months. Balance transfers must be made within the first 4 months of account opening Citi® Price Rewind searches for lower prices online for 60 days for your registered purchases $0 liability on unauthorized purchases and Citi® Identity Theft Solutions. Experience great benefits like VIP packages to concerts, sporting events and more with access to Citi® Private Pass® No annual fee Free access to FICO® Scores Intro APR (Balance Transfers) Intro Period (Balance Transfers) Intro APR (Purchases) Intro Period (Purchases) Regular APR Annual Fee Compare 0% for 18 Months 18 Months 0% for 18 Months 18 Months 15.99% - 25.99% (Variable) $0 close IMPORTANT DISCLAIMERclose * This information is provided through a relationship with CreditKarma.com. Credit Karma members have received approvals with these TransUnion New Account credit scores. Please note that because other factors may affect credit card approval, these approval metrics are only guidelines and approval is not guaranteed. close Citi® Diamond Preferred® Credit Card Termsclose Instant Approval Balance Transfers Credit Type Card For Purchase Rates Intro APR 0% for 18 Months Intro Period 18 Months Regular APR 15.99% - 25.99% (Variable) Balance Transfer Rates Intro APR 0% for 18 Months Intro Period 18 Months Regular APR Cash Advance Rates Intro APR Intro Period Regular APR Rewards Information Rewards Type Rewards Bonus Rewards Cap Program Cost Balance Transfer Fee Information Balance Transfer Fee Balance Transfer Fee Details Additional Fees & Penalties Maximum Late Fee Maximum Over Limit Fee Maximum Default APR Cash Advance Fee Foreign Transaction Fee One Time Setup Fee