6 Excellent Credit Cards of 2023

on Discover's website,

on Discover's website, or call 800-347-0264

Current Intro Offer

INTRO OFFER: Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.

Rewards Rate

Cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate.

Cash back on all other purchases.

Annual fee

Recommended Credit

Current Intro Offer

Annual fee

Recommended Credit

Product Details

INTRO OFFER: Unlimited Cashback Match for all new cardmembers–only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases.
Redeem your rewards for cash at any time.
Apply and you could get a decision in as little as 60 seconds. No annual fee.
Start shopping and earning rewards in minutes with our digital card, before your physical card arrives in the mail, if eligible.
Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
Get a 0% intro APR for 15 months on purchases. Then 17.74% to 27.74% Standard Variable Purchase APR applies, based on credit worthiness.
Terms and conditions apply.
View Rates & Fees

on Discover's website,

on Discover's website, or call 800-347-0264

Pros & Cons

Pros

No annual fee
Intro APR period
Bonus categories
Cash rewards

Cons

Complicated rewards
Spending caps on bonus rewards
Lower acceptance abroad

Excellent for: Cash-Back Pairing with Chase Sapphire Preferred®

Chase Freedom Unlimited®

NerdWallet rating

NerdWallet rating

Current Intro Offer

Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!

Rewards Rate

Cash back on travel purchased through Chase Travel℠.

Cash back on drugstore purchases.

Cash back on dining at restaurants, including takeout and eligible delivery services.

1.5%

Cash back on all other purchases.

Annual fee

Recommended Credit

Current Intro Offer

Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!

Annual fee

Recommended Credit

Product Details

INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
Enjoy 6.5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel℠, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% 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!
Enjoy 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 Unlimited® card
Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
Member FDIC

on Chase's website

Pros & Cons

Pros

No annual fee
Intro APR period
High rewards rate
No minimum redemption amount

Cons

Requires good/excellent credit

Excellent for: Dining and Groceries + No Annual Fee

Capital One SavorOne Cash Rewards Credit Card

NerdWallet rating

Capital One SavorOne Cash Rewards Credit Card card image

NerdWallet rating

on Capital One's website

Current Intro Offer

Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening.

Rewards Rate

Cash back on Capital One Entertainment purchases.

Cash back on hotels and rental cars booked through Capital One Travel.

Cash back on dining.

Cash back on entertainment.

Cash back on popular streaming services.

Cash back at grocery stores (excluding superstores like Walmart® and Target®).

Cash back on all other purchases.

Annual fee

Recommended Credit

Current Intro Offer

Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening.

Annual fee

Recommended Credit

Product Details

Earn a one-time $200 cash bonus after you spend $500 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 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; 19.99% - 29.99% variable APR after that; balance transfer fee applies
No foreign transaction fee
No annual fee
View Rates & Fees

on Capital One's website

Pros & Cons

Pros

No annual fee
Intro APR period
Bonus categories
No foreign transaction fees

Cons

Requires good/excellent credit

Excellent for: Cash Back — High Flat Rate + Incentives

Wells Fargo Active Cash® Card

NerdWallet rating

Wells Fargo Active Cash® Card card image

NerdWallet rating

on Wells Fargo's website

Current Intro Offer

Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.

Rewards Rate

Unlimited Cash rewards on purchases.

Annual fee

Recommended Credit

Current Intro Offer

Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.

Annual fee

Recommended Credit

Product Details

Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
Earn unlimited 2% cash rewards on purchases.
0% intro APR for 12 months from account opening on purchases and qualifying balance transfers. 19.74%, 24.74%, or 29.74% Variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
$0 annual fee.
No categories to track or remember and cash rewards don’t expire as long as your account remains open.
Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
View Rates & Fees

on Wells Fargo's website

Pros & Cons

Pros

High rewards rate
No annual fee
Intro APR period

Cons

No bonus categories

Excellent for: Airline Miles and a Large Bonus

Chase Sapphire Preferred® Card

NerdWallet rating

NerdWallet rating

Current Intro Offer

Get up to $1,050 in Chase Travel℠ value. Earn 60,000 bonus points after $4,000 in purchases in your first 3 months from account opening. That’s worth $750 when redeemed through Chase Travel. Plus, get up to $300 in statement credits on Chase Travel purchases within your first year.

Rewards Rate

Points on travel purchased through Chase Travel℠.

Points on dining.

Points on select streaming services.

Points on online groceries.

Points on all other travel purchases.

Point on all other purchases.

Annual fee

$95

Recommended Credit

Current Intro Offer

Annual fee

$95

Recommended Credit

Product Details

Get up to $1,050 in Chase Travel℠ value. Earn 60,000 bonus points after $4,000 in purchases in your first 3 months from account opening. That's worth $750 when redeemed through Chase Travel. Plus, get up to $300 in statement credits on Chase Travel purchases within your first year.
Enjoy beneﬁts such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2027.
Member FDIC

on Chase's website

Pros & Cons

Pros

New cardholder bonus offer
Bonus categories
Primary rental car coverage
Flexible rewards redemption
Transfer partners

Cons

Has annual fee
Requires good/excellent credit
Complicated rewards

Excellent for: Everyday Spending

Blue Cash Preferred® Card from American Express

NerdWallet rating

Blue Cash Preferred® Card from American Express card image

NerdWallet rating

on American Express' website

Current Intro Offer

Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months. Terms Apply.

Rewards Rate

Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).

Cash Back on select U.S. streaming subscriptions.

Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).

Cash Back on other purchases.

Annual fee

$0 intro annual fee for the first year, then $95.

Recommended Credit

Current Intro Offer

Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months. Terms Apply.

Annual fee

$0 intro annual fee for the first year, then $95.

Recommended Credit

Product Details

Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.
$0 intro annual fee for the first year, then $95.
Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
Low Intro APR: 0% on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 18.74% - 29.74%.
6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
6% Cash Back on select U.S. streaming subscriptions.
3% Cash Back at U.S. gas stations.
3% Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
1% Cash Back on other purchases.
Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
$84 Disney Bundle Credit: With your enrolled Blue Cash Preferred Card, spend $9.99 or more each month on an auto-renewing Disney Bundle subscription, to receive a monthly statement credit of $7. Valid only at Disney Plus.com, Hulu.com or Plus.espn.com in the U.S.
Terms Apply.
View Rates & Fees

on American Express' website

Pros & Cons

Pros

High rewards rate
Bonus categories
Intro APR period
Cash rewards

Cons

Has annual fee
Requires good/excellent credit
Spending caps on bonus rewards