Smart credit card decisions start here
Our Nerds scrutinized sign-up bonuses, rewards rates, added perks, and more to uncover the top credit cards of 2023. While some winners may be partners, this didn't influence our decisions.
Check out the winners
Best Balance Transfer Credit Card
on Bank of America's website, or call (800) 322-7707
on Bank of America's website, or call (800) 322-7707
Annual fee
$0
Rewards rate
No rewards
Intro offer
N/A
Recommended Credit Score
Pros
- No annual fee
- Intro APR period
Cons
- Requires good/excellent credit
- No ongoing rewards
Pros
- No annual fee
- Intro APR period
Cons
- Requires good/excellent credit
- No ongoing rewards
- 0% Introductory APR for 21 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 15.49% - 25.49% Variable APR will apply. A 3% fee applies to all balance transfers.
- 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.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
Annual fee
$0
Rewards rate
No rewards
Intro offer
N/A
Recommended Credit Score
Pros
- No annual fee
- Intro APR period
Cons
- Requires good/excellent credit
- No ongoing rewards
Pros
- No annual fee
- Intro APR period
Cons
- Requires good/excellent credit
- No ongoing rewards
- 0% Introductory APR for 21 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 15.49% - 25.49% Variable APR will apply. A 3% fee applies to all balance transfers.
- 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.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
Annual fee
$0
Rewards rate
No rewards
Intro offer
N/A
Recommended Credit Score
Pros
- No annual fee
- Intro APR period
Cons
- Requires good/excellent credit
- No ongoing rewards
Pros
- No annual fee
- Intro APR period
Cons
- Requires good/excellent credit
- No ongoing rewards
- 0% Introductory APR for 21 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 15.49% - 25.49% Variable APR will apply. A 3% fee applies to all balance transfers.
- 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.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
Why our Nerds love it
This card saves a bundle on interest with its super-long 0% intro APR period on balance transfers (and new purchases), for a low transfer fee.
Read our methodologyBest Credit Card for Bonus Cash Back
on Chase's website
on Chase's website
Annual fee
$0
Rewards rate
1%-5%
Cashback
Intro offer
$200
Recommended Credit Score
Pros
- No annual fee
- New cardholder bonus offer
- Bonus categories
- Cash rewards
- Intro APR period
Cons
- Requires good/excellent credit
- Complicated rewards
Pros
- No annual fee
- New cardholder bonus offer
- Bonus categories
- Cash rewards
- Intro APR period
Cons
- Requires good/excellent credit
- Complicated rewards
- Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
- 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
- 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
- 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
- No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
- 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.49% - 28.24%.
- No annual fee - You won't have to pay an annual fee for all the great features that come with your Freedom Flex℠ card
- Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
Annual fee
$0
Rewards rate
1%-5%
Cashback
Intro offer
$200
Recommended Credit Score
Pros
- No annual fee
- New cardholder bonus offer
- Bonus categories
- Cash rewards
- Intro APR period
Cons
- Requires good/excellent credit
- Complicated rewards
Pros
- No annual fee
- New cardholder bonus offer
- Bonus categories
- Cash rewards
- Intro APR period
Cons
- Requires good/excellent credit
- Complicated rewards
- Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
- 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
- 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
- 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
- No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
- 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.49% - 28.24%.
- No annual fee - You won't have to pay an annual fee for all the great features that come with your Freedom Flex℠ card
- Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
Annual fee
$0
Rewards rate
1%-5%
Cashback
Intro offer
$200
Recommended Credit Score
Pros
- No annual fee
- New cardholder bonus offer
- Bonus categories
- Cash rewards
- Intro APR period
Cons
- Requires good/excellent credit
- Complicated rewards
Pros
- No annual fee
- New cardholder bonus offer
- Bonus categories
- Cash rewards
- Intro APR period
Cons
- Requires good/excellent credit
- Complicated rewards
- Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
- 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
- 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
- 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
- No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
- 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.49% - 28.24%.
- No annual fee - You won't have to pay an annual fee for all the great features that come with your Freedom Flex℠ card
- Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
Why our Nerds love it
You'll earn rewards as high as 5% in specific categories (some that change quarterly and some that don't), plus a generous bonus for new cardholders. If you're willing to put in a little work, it's one rich card.
Read our methodologyBest 0% APR Credit Card for Purchases
on Bank of America's website, or call (877) 754-6706
on Bank of America's website, or call (877) 754-6706
Annual fee
$0
Rewards rate
1%-3%
Cashback
Intro offer
$200
Recommended Credit Score
Pros
- No annual fee
- New cardholder bonus offer
- Rotating bonus categories
- Relationship rewards for customers
- Intro APR period
Cons
- Requires good/excellent credit
- Complicated rewards
- Spending caps on bonus rewards
- Best rewards limited to certain customers
Pros
- No annual fee
- New cardholder bonus offer
- Rotating bonus categories
- Relationship rewards for customers
- Intro APR period
Cons
- Requires good/excellent credit
- Complicated rewards
- Spending caps on bonus rewards
- Best rewards limited to certain customers
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.
- If you're a Preferred Rewards member, you can earn 25%-75% more cash back on every purchase. That means you could earn 3.75%-5.25% cash back on purchases in your choice category.
- No annual fee and no expiration on rewards.
- 0% Introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 17.49% - 27.49% Variable APR will apply. A 3% fee applies to all balance transfers.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
Annual fee
$0
Rewards rate
1%-3%
Cashback
Intro offer
$200
Recommended Credit Score
Pros
- No annual fee
- New cardholder bonus offer
- Rotating bonus categories
- Relationship rewards for customers
- Intro APR period
Cons
- Requires good/excellent credit
- Complicated rewards
- Spending caps on bonus rewards
- Best rewards limited to certain customers
Pros
- No annual fee
- New cardholder bonus offer
- Rotating bonus categories
- Relationship rewards for customers
- Intro APR period
Cons
- Requires good/excellent credit
- Complicated rewards
- Spending caps on bonus rewards
- Best rewards limited to certain customers
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.
- If you're a Preferred Rewards member, you can earn 25%-75% more cash back on every purchase. That means you could earn 3.75%-5.25% cash back on purchases in your choice category.
- No annual fee and no expiration on rewards.
- 0% Introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 17.49% - 27.49% Variable APR will apply. A 3% fee applies to all balance transfers.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
Annual fee
$0
Rewards rate
1%-3%
Cashback
Intro offer
$200
Recommended Credit Score
Pros
- No annual fee
- New cardholder bonus offer
- Rotating bonus categories
- Relationship rewards for customers
- Intro APR period
Cons
- Requires good/excellent credit
- Complicated rewards
- Spending caps on bonus rewards
- Best rewards limited to certain customers
Pros
- No annual fee
- New cardholder bonus offer
- Rotating bonus categories
- Relationship rewards for customers
- Intro APR period
Cons
- Requires good/excellent credit
- Complicated rewards
- Spending caps on bonus rewards
- Best rewards limited to certain customers
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.
- If you're a Preferred Rewards member, you can earn 25%-75% more cash back on every purchase. That means you could earn 3.75%-5.25% cash back on purchases in your choice category.
- No annual fee and no expiration on rewards.
- 0% Introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 17.49% - 27.49% Variable APR will apply. A 3% fee applies to all balance transfers.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
Why our Nerds love it
It starts with a big bonus and gives long breathing room on sky-high interest. Plus, the potential to earn 3% on your big purchase, depending on category.
Read our methodologyFrequently asked questions
NerdWallet's award winners are chosen through a rigorous evaluation process involving 43 writers and editors. NerdWallet's ratings formulas for credit cards, for example, consider the type of card being reviewed (such as cash back, travel, or balance transfer) and the card's rates, fees, rewards, and other features. For mortgages, our evaluation includes loan types, loan products, online capabilities, online rate information, customer service, and complaints filed with the Consumer Financial Protection Bureau. For more info, see our methodologies.
Our team of Nerdy experts is composed of writers and editors — based all across the country — who have a combined 452 years of journalistic experience reviewing and writing about personal finance products for consumers.
Yes. Writers and editors use comprehensive scoring formulas that assess each financial product’s key features, weighting them according to their importance to consumers.
Nope. Editorial team members are solely responsible for creating all product reviews and ratings, and these assessments reflect their opinions alone. Only products that meet the editorial team’s standards appear in our Best-Of Awards lists, meaning no company can “buy” an award.
Our Best-Of Awards are given annually to the top financial products on the market. Our other “best” articles may:
This year's Best-Of-Awards list winners were chosen in mid-October 2022.
- be longer than our Best-Of Awards list
- offer additional consumer choices
- get updated as products change or are discontinued and as new products emerge
This year's Best-Of-Awards list winners were chosen in mid-October 2022.
Our 2022 Best-Of Award winners are still live. If you’d like to see who won last year, feel free to take a look and compare with this year’s winners.
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