4.5 Excellent
Balance Transfer
Low Interest
Travel
Cash Back
Rewards
4.5 Excellent
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The integrity of our editorial process is our cornerstone. We provide impartial evaluations and insights, free from advertiser influence. Our approach is rooted in a data-centric methodology that ensures a consistent and fair assessment of all financial products and companies. For a deeper understanding of our editorial standards and the specific criteria we use to review credit cards, please see the information that follows.
Best Credit Cards of 2023
Wells Fargo Active Cash® Card: Best 0% APR Credit CardBEST OFFERS
TRAVEL AND AIRLINE
REWARDS
CASH BACK
BALANCE TRANSFER
0% APR
BEST FOR ELEVATED EARNINGS IN USEFUL CATEGORIES
Earn 3X points spent at gas stations, grocery stores, discount stores, restaurants and fast food locations. Earn 1X points per dollar spent on all other purchases
15,000 bonus points
$0
17.24% to 25.24%
Excellent
BEST FOR AUTO DEDUCTIBLE REIMBURSEMENT
N/A
$0
19.24% to 29.24%
Excellent
BEST BALANCE TRANSFER CARD FOR STUDENTS
Earn unlimited 1.5% cash back on all purchases.
$200 bonus
$0
18.24% to 28.24%
Excellent
BEST FOR FLAT-RATE REWARDS EARNING
Earn unlimited 1.5% cash back on all purchases
$200
$0
18.24% to 28.24%
Excellent
BEST NO ANNUAL FEE HOTEL CARD
Earn 5X points per $1 spent on eligible purchases made at participating By Wyndham hotels and on gas; Earn 2X points per $1 spent on eligible dining and grocery store purchases (excluding Target and Walmart); Earn 1X points per $1 spent on other purchases
30,000 bonus points
$0
20.99% to 25.24% or 30.24%
Excellent
BEST FLAT-RATE TRANSFERABLE POINTS
On Capital One's Website
Earn 5X miles on hotels and rental cars booked through Capital One Travel. Earn unlimited 2X miles on every purchase, every day
75,000 miles
$95
19.99% to 29.99%
Excellent
BEST FOR OFF-CAMPUS STUDENTS
Earn 10% cash back on purchases made through Uber & Uber Eats through 11/14/2024, 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 unlimited 5% cash back on hotels and rental cars booked through Capital One Travel and 8% cash back on Capital One Entertainment purchases
$50
$0
19.99% to 29.99%
Fair
BEST FOR STUDENTS WITH NO CREDIT
$50
$0
19.99% to 29.99%
Fair
BEST FOR ROAD TRIPS
Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases - automatically.
Cashback Match™
$0
18.24% to 27.24%
Fair
BEST FOR STUDY ABROAD
Earn unlimited 1.5 points per $1 spent on all purchases everywhere, every time and no expiration on points.
25,000 bonus points
$0
18.24% to 28.24%
Excellent
BEST STUDENT CARD WITH INTRODUCTORY APR
On Bank of America's Website
Earn 3% cash back in the category of your choice (6 categories available)*; Earn 2% cash back at grocery stores and wholesale clubs*; Earn 1% cash back on all other purchases. *Bonus earning is limited to the first $2,500 in combined choice category/ grocery store/ wholesale club purchases per quarter, then 1% cash back thereafter
$200 bonus
$0
18.24% to 28.24%
Excellent
BEST FOR GAS CREDIT CARD
On Wells Fargo's Website
Earn unlimited 3X points on the things that really add up – like restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Plus, earn 1X points on other purchases.
30,000 bonus points
$0
20.24% to 25.24%, or 29.99%
Excellent
BEST CREDIT UNION CARD FOR BAD CREDIT
On Navy FCU's Website
Earn 1X points per dollar spent
N/A
$0
18.00% to
Bad
BEST CARD FOR BAD CREDIT WITH UNIQUE BONUS CATEGORIES
On U.S. Bank's Website
Earn 4x points on dining and takeout, 2x points at grocery stores, gas stations and on streaming services and 1x point on all other eligible purchases.
N/A
$0
29.99% to
Bad
BEST FLAT-RATE CASH BACK CARD FROM BANK OF AMERICA FOR BAD CREDIT
On Bank of America's Website
Earn unlimited 1.5% cash back on all purchases
N/A
$0
28.24% to
Bad
The Bank X Gold Card: Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur. Excepteur sint occaecat cupidatat non proident, sunt in culpa qui officia deserunt mollit anim id est laborum.
The Bank X Gold Card: Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur. Excepteur sint occaecat cupidatat non proident, sunt in culpa qui officia deserunt mollit anim id est laborum.
The Bank X Gold Card: Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur. Excepteur sint occaecat cupidatat non proident, sunt in culpa qui officia deserunt mollit anim id est laborum.
The Bank X Gold Card: Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur. Excepteur sint occaecat cupidatat non proident, sunt in culpa qui officia deserunt mollit anim id est laborum.
The Bank X Gold Card: Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur. Excepteur sint occaecat cupidatat non proident, sunt in culpa qui officia deserunt mollit anim id est laborum.
The Bank X Gold Card: Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur. Excepteur sint occaecat cupidatat non proident, sunt in culpa qui officia deserunt mollit anim id est laborum.
Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur. Excepteur sint occaecat cupidatat non proident, sunt in culpa qui officia deserunt mollit anim id est laborum.
Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur. Excepteur sint occaecat cupidatat non proident, sunt in culpa qui officia deserunt mollit anim id est laborum.
Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur. Excepteur sint occaecat cupidatat non proident, sunt in culpa qui officia deserunt mollit anim id est laborum.
