Best Credit Cards For 2023

Best Credit Cards For 2023

Credit cards are not always about all the added perks and rewards. When you are looking for the best credit card out there for you, make sure you look for the one with the best interest rates and annual fee costs. When looking out for the right credit card make sure you are well aware of all the essential features, especially the ones suited best to your financial needs.

To help you understand which credit card you might want to start with, here is a list of cards that might be helpful for which cards should be used for what purposes.

Best Credit Cards of 2023:

  • Best for Good Credit: Chase Sapphire Preferred®
  • Best Cash Back: Blue Cash Preferred® from American Express
  • Best for Travel: Chase Sapphire Reserve®
  • Best Airline Credit Card: Gold Delta SkyMiles®
  • Best for Dining: Capital One® Savor® Rewards Credit Card
  • Best Business Credit Card: Ink Business Preferred℠
  • Best Low-Interest Rate: USAA® Rate Advantage Visa Platinum® Card
  • Best Balance Transfer: U.S. Bank Visa® Platinum
  • Best for Bad Credit: OpenSky® Secured Visa® Credit Card
  • Best Secured Credit Card: Discover it® Secured
  • Best for Building Credit: Platinum Credit Card from Capital One®
  • Best Credit Card for Students: Discover it® Student Cash Back
  • Best for Average Credit: Capital One® QuicksilverOne® Card
  • Uber Visa Card: The Best Credit Card for Restaurants and Takeout
  • Citi Double Cash Card: The Best Overall Credit Card
  • American Express Cash Magnet Card: The Best Credit Card for Amex Offers
  • Best for Travelling: Capital One® VentureOne® Rewards Credit Card
  • Best All-rounder card: Chase Freedom Unlimited
  • Best student card: Discover it® Student Cash Back
  • Best student deal card: Wells Fargo Cash Back College
  •  Chase Sapphire Preferred

First ones first, The Chase Sapphire Preferred is one of the most promising credit cards on the market. For every purchase, you make you would get a certain return of bonus points. If you spend over $4,000 in the first three months you would receive an instant 60,000 bonus points. These points are worth over $750 purchases. You receive more points if you spend on travel and hoteling.

The annual regular APR is between 17.99% to 24.99%, with an annual fee of $95.

  • Blue Cash Preferred® from American Express

With this credit card, you receive an instant upgrade of your bank account cash after you spend $1,000 within the first three months of opening your bank account. Express will pay you a $250 bonus statement on your initial purchases. There are various percentages of cashback you will receive on different purchases you make.

The annual APR is 14.99% to 25.99% with an annual fee of $95

  • Chase Sapphire Reserve

The Chase Sapphire Reserve card has a large bonus, amazing perks yet have a relatively high annual fee. You can earn up to 50,000 bonus points which can be later used as $750 for your travel purchase. It gets much better with bonus prizes of up to $300 on air traveling, automobile purchases, and other privileges which can be availed through this card.

 The annual pricing for this card is $450 with a regular APR between 18.99% to 25.99%.

  •  Gold Delta SkyMiles

This is another great card membership that allows you to win 30,000 miles worth of air travel after making a purchase over $1000. You earn two miles per dollar with every purchase made with the delta card. What’s more, is that you also get the fee waived on your first checked bag.

The regular APR would be between 17.74% to 26.74%. There is no annual fee in the first year with no transaction fees either.

  • Capital One® Savor® Rewards Credit Card

With this card, you get a one-time cash bonus of up to $300 within three months of opening your bank account. You will earn unlimited pay-back percentages on almost all of your purchases. If you have some good credit under your belt, you would also be eligible for an extra warranty and other perks including travel assistance.

The regular APR is between 16.74% to 25.74% based on your creditworthiness. The annual fee is $95 which is waived in the first year.

  • Ink Business Preferred

With Chase Ink Business Preferred, you can earn up to 80,000 bonus points with purchases worth $5000. With these many points, you can easily redeem travel worth $1000. You can use these points 25% more if you redeem them for airfare, car rentals, hotels, and cruises. You can also transfer these points between other partner rewards in a 1:1 ratio.

The annual fee is $95 with no transaction or hidden fees.

  • USAA® Rate Advantage Visa Platinum® Card

If you are looking for a low-interest rate yet decent card. This one is the right pick for you. The Visa Platinum Card has as low as 9.15% APR. if you are a military member and an immediate family member of the military, you can avail further perks on this credit card.

After promotional timing, the regular APR is between 9.15% to 26.15%. if you are on duty you get a 4% APR on your existing balance throughout the year. There are no annual fees or transaction fees involved.

  • U.S. Bank Visa® Platinum

For a long promotional period, US bank Visa Platinum is your go-to choice. There is 0% APR on purchases and any balance transfers for the first 18 billing cycles.

You might have found many extra rewards beyond the promotional interest however you are able to avail $1200 for cell protection recovery.

The regular APR is however the same as all other cards which are between 14.49% to 25.49%.

  • OpenSky® Secured Visa® Credit Card

If you are facing secure deposit issues, this card is the best one for you. You can start with as little as $200 to $3000. Despite reporting g your credit card history and how well you manage your account. Open sky will not return your secure credit to an unsecured credit card. After managing your card for months you will qualify for other credit cards including unsecured credit cards.

The APR is 19.64% with an annual fee of $35.

  1. Discover it® Secured

The Discover it Secured credit card pays certain percentages back on certain purchases you make. As a bonus the credit card will also allow you to receive all of the cash back you’ve earned in the first year of your spending.

To start off with the credit card you can start with a security deposit between $200 to $2500. The APR is usually between 25.24% with no annual fee.

  1. Capital One VentureOne Rewards Credit Card

With regular APR charges and rewards. You can easily avail many useful traveling opportunities year after year without any hidden or extra charges. Because of its additional offers and bonus points on every dollar spent on traveling, this credit card is the best one for traveling if you are a frequent traveler who wants to avail of flying perks.

  1. Chase Freedom Unlimited

You get 3% cash back on almost all of your purchases. For people who do not like using credit cards for luxurious shopping, this card is the best deal for them. You can also avail of decent bonuses and what is more that there is no hidden fee for crossing the limit for this card.

  1. Southwest Rapid Rewards® Plus Credit Card

You get to avail of 2 bonus points on every dollar spent. This is great news for southwest users. Within three months of opening the account, you get to avail 40,000 bonus points. With a very mediocre annual fee of $69, you get some serious traveling perks like no transaction fees on bags.

  1. Discover it® Student Cash Back

Something for the students, you can easily avail of 5% cash back on your spending if you do purchases at gas stations or grocery shopping. You even get to avail quarter of your payments on big purchases. With this card, you will also be able to enjoy many online offers through amazon.com.

  1. Wells Fargo Cash Back College

Another great student package credit card is where you get maximum cash back rewards. With 0% as an introductory fee, this is great for educational activities like paying fees and buying other academic resources.

  1. Target REDcard Credit: The Best Retailer Credit Card

Manage amazing offers with every target purchase on Target REDcard. Target makes sure that you are saving money on every purchase you make especially if you are a big family. With this credit card, it is a win-win situation!

  1. Uber Visa Card: The Best Credit Card for Restaurants and Takeout

Avail some of the best percentage rewards back if you are fond of hoteling, eating out, or using uber services. You can also avail of amazing phone protection offers and online shopping offers.

  1. Citi Double Cash Card: The Best Overall Credit Card

With the highest payback cash rate, this card is often ranked as one of the best all-rounder credit cards. You can use this card for your investments in brokerage or other important business setups because of its reliable working.

  1. American Express Cash Magnet Card: The Best Credit Card for Amex Offers

With no annual fee, cash magnet card holders can avail of amazing ammex offers, which are basically receiving cash-related prizes. Through this offer, you can enjoy various perks at various hotel chains like Marriott, Crate and Barrel, and Sakes fifth avenue.

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