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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.

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Check out the winners

Best Balance Transfer Credit Card

BankAmericard® 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
  • 0% Intro APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 16.24% - 26.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
  • 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
  • 0% Intro APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 16.24% - 26.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
  • 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 methodology

Best Credit Card for Bonus Cash Back

Chase Freedom Flex

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
  • 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 20.49%-29.24%.
  • 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.
  • Member FDIC
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
  • 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 20.49%-29.24%.
  • 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.
  • Member FDIC

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 methodology

Best 0% APR Credit Card for Purchases

Bank of America® Customized Cash Rewards credit card

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
  • $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.
  • Choose 3% cash back on gas and EV charging station, online shopping/cable/internet/phone plan/streaming, dining, travel, drug store/pharmacy or home improvement/furnishing purchases.
  • If you're a Bank of America 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 cash rewards don’t expire as long as your account remains open.
  • 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 18.24% - 28.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
  • 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
  • $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.
  • Choose 3% cash back on gas and EV charging station, online shopping/cable/internet/phone plan/streaming, dining, travel, drug store/pharmacy or home improvement/furnishing purchases.
  • If you're a Bank of America 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 cash rewards don’t expire as long as your account remains open.
  • 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 18.24% - 28.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
  • 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 methodology

Frequently asked questions

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