CREDIT CARDSCREDIT CARDSEXCELLENT CREDIT CARDS OF 2023
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9 Excellent Credit Cards of 2023

NerdWallet's 9 Excellent Credit Cards of 2023

Excellent Credit Cards From Our Partners

Credit card
NerdWallet rating
Annual feeRewards rateIntro offerLearn more
Chase Freedom Unlimited® card image
Chase Freedom Unlimited®
Apply Now
on Chase's website
5.0/5
Excellent for Cash-Back Pairing with Chase Sapphire Preferred®

$0

1.5%-6.5%

cashback

$300

Apply Now
on Chase's website
Wells Fargo Active Cash® Card card image
Wells Fargo Active Cash® Card
Apply Now
on Wells Fargo's website
Rates & Fees
Excellent for Cash Back — High Flat Rate + Incentives

$0

2%

cashback

$200

Apply Now
on Wells Fargo's website
Capital One SavorOne Cash Rewards Credit Card card image
Capital One SavorOne Cash Rewards Credit Card
Apply Now
on Capital One's website
Excellent for Dining and Groceries + No Annual Fee

$0

1%-10%

cashback

$200

Apply Now
on Capital One's website
Chase Sapphire Preferred® Card card image
Chase Sapphire Preferred® Card
Apply Now
on Chase's website
Excellent for Airline Miles and a Large Bonus

$95

1x-5x

points

60,000

points
Apply Now
on Chase's website
Capital One Venture Rewards Credit Card card image
Capital One Venture Rewards Credit Card
Apply Now
on Capital One's website
Excellent for Flat-Rate Travel Rewards

$95

2x-5x

miles

75,000

miles
Apply Now
on Capital One's website
Discover it® Cash Back card image
Discover it® Cash Back
Apply Now
on Discover's website,or call 800-347-0264
Excellent for Bonus Categories and First Year Cashback Match

$0

1%-5%

cashback

Cashback Match™

Apply Now
on Discover's website,or call 800-347-0264
Blue Cash Preferred® Card from American Express card image
Blue Cash Preferred® Card from American Express
Apply Now
on American Express' website
Excellent for Everyday Spending

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

1%-6%

cashback

$250

Apply Now
on American Express' website
Wells Fargo Reflect® Card card image
Wells Fargo Reflect® Card
Apply Now
on Wells Fargo's website
Excellent for Long 0% Period for Transfers and Purchases

$0

N/A

N/A

Apply Now
on Wells Fargo's website
Discover it® Balance Transfer card image
Discover it® Balance Transfer
Apply Now
on Discover's website
Excellent for Balance Transfers and Bonus Categories

$0

1%-5%

cashback

Cashback Match™

Apply Now
on Discover's website

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

Chase Freedom Unlimited® card image
Chase Freedom Unlimited®
5.0
NerdWallet rating
Apply Now
on Chase's website

Annual fee

$0

Rewards rate

1.5%-6.5%

Cashback

Intro offer

$300

Recommended Credit Score

Excellent for: Cash Back — High Flat Rate + Incentives

Apply Now
on Wells Fargo's website

Annual fee

$0

Rewards rate

2%

Cashback

Intro offer

$200

Recommended Credit Score

Excellent for: Dining and Groceries + No Annual Fee

Apply Now
on Capital One's website

Annual fee

$0

Rewards rate

1%-10%

Cashback

Intro offer

$200

Recommended Credit Score

Excellent for: Airline Miles and a Large Bonus

Apply Now
on Chase's website

Annual fee

$95

Rewards rate

1x-5x

Points

Intro offer

60,000

Points

Recommended Credit Score

Excellent for: Flat-Rate Travel Rewards

Capital One Venture Rewards Credit Card card image
4.7
Apply Now
on Capital One's website

Annual fee

$95

Rewards rate

2x-5x

Miles

Intro offer

75,000

Miles

Recommended Credit Score

Excellent for: Bonus Categories and First Year Cashback Match

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

Annual fee

$0

Rewards rate

1%-5%

Cashback

Intro offer

Cashback Match™

Recommended Credit Score

Excellent for: Everyday Spending

Apply Now
on American Express' website

Annual fee

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

Rewards rate

1%-6%

Cashback

Intro offer

$250

Recommended Credit Score

Excellent for: Long 0% Period for Transfers and Purchases

Apply Now
on Wells Fargo's website

Annual fee

$0

Rewards rate

N/A

Intro offer

N/A

Recommended Credit Score

Excellent for: Balance Transfers and Bonus Categories

Apply Now
on Discover's website

Annual fee

$0

Rewards rate

1%-5%

Cashback

Intro offer

Cashback Match™

Recommended Credit Score

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