When it comes to credit cards, one thing’s for sure: there’s no shortage of options. Whether you’re trying to build your credit history or get the best travel perks, the number of choices can be overwhelming.
But here’s the thing. The best credit card for you depends on your unique spending habits. So how do you know where to start? In a nutshell, sign-up bonuses, luxury travel upgrades, and cash back rewards are some top features to look for.
This post contains our top picks for the best credit cards in 2023.
25 Best Credit Cards for March 2023
- American Express® Gold Card: 60,000 bonus points
- The Platinum Card® from American Express: 80,000 bonus points
- Citi Premier® Card: 60,000 bonus points
- Capital One Spark Cash Plus: up to $1000 bonus
- Ink Business Preferred® Credit Card: 100,000 bonus points
- Ink Business Cash® Credit Card: $900 bonus
- Capital One Spark Miles for Business: 50,000 bonus miles
- Chase Sapphire Preferred® Card: 60,000 bonus points
- Capital One Venture X Rewards Credit Card: 75,000 bonus miles
- Citi Custom Cash℠ Card: $200 bonus
- Ink Business Unlimited® Credit Card: $900 bonus
- Blue Cash Preferred® Card from American Express: $250 bonus
- Capital One Venture Rewards Credit Card: 75,000 bonus miles
- Citi® Double Cash Card - 18 month BT offer: up to 2% Cash Back
- Capital One VentureOne Rewards Credit Card: 40,000 bonus miles
- The Business Platinum Card® from American Express: 120,000 bonus points
- The Blue Business® Plus Credit Card from American Express: 15,000 bonus points
- Citi® / AAdvantage® Executive World Elite Mastercard®: 50,000 bonus miles
- Chase Freedom Unlimited®: $200 bonus
- World of Hyatt Business Credit Card: 60,000 bonus points
- Blue Cash Everyday® Card from American Express: $200 bonus
- Chase Freedom Flex℠: $200 bonus
- Capital One Quicksilver Cash Rewards Credit Card: $200 bonus
- Hilton Honors American Express Card: 100,000 bonus points
- Capital One SavorOne Cash Rewards Credit Card: $200 bonus
1. American Express® Gold Card
The American Express® Gold Card comes with a new cardmember offer that can see you earn 60,000 Membership Rewards® points after spending $4,000 within the first six months on eligible purchases.
You also get $10 in Uber Cash each month, and up to $120 in annual statement credits at participating restaurants, enrollment required. (*terms apply)
The American Express Gold Card is a solid choice for foodies and travelers, offering competitive rewards on restaurant and supermarket buys. The annual fee is well worth it for diners who spend a lot on takeout, restaurants, and groceries; just note the rewards can get a bit complicated.
American Express® Gold Card - 60,000 bonus points
The American Express® Gold Card offer requires you to make purchases using the account's card in order to earn the 60,000 bonus points. Full requirements to receive this bonus are:
- Apply for a new American Express® Gold Card using the link below.
- Within 6 months, spend $4,000 using your new card.
- Bonus will be credited within 8-12 weeks of meeting the requirements in the form of Membership Rewards® Points.
Learn more about the American Express® Gold Card 60,000 bonus points offer
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2. The Platinum Card® from American Express
The Platinum Card® from American Express comes with a new cardmember offer that can see you earn 80,000 Membership Rewards® Points after spending $6,000 within the first six months.
You also get a whole host of other annual perks including a $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings, (requires a minimum two-night stay), a $240 digital entertainment credit, a $200 Uber Eats credit, a $200 airline fee credit and more! Enrollment required.
This is in addition to the lounge access and 5x points on airline purchase (up to $500,000 on these purchases per calendar year) and hotel purchases through amextravel.com. Terms Apply.
The Platinum Card from American Express is the original luxury card. While its annual fee is high at $695, so are its luxurious rewards, including Amex Membership Rewards, extensive travel points, and annual statement credits.
The Platinum Card® from American Express - 80,000 bonus points
The The Platinum Card® from American Express offer requires you to make purchases using the account's card in order to earn the 80,000 bonus points. Full requirements to receive this bonus are:
- Apply for The Platinum Card® from American Express using the link below.
- Within 6 months, spend $6,000 using your new card.
- Bonus will be credited within 8-12 weeks of meeting the requirements in the form of Membership Rewards points.
Learn more about the The Platinum Card® from American Express 80,000 bonus points offer
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3. Citi Premier® Card
The Citi Premier® Card offers new cardholders a welcome bonus of 60,000 bonus ThankYou Points, which you can get after making purchases worth $4,000 in the first three months.
You can exchange these bonus points for $600 worth of gift cards from a large variety of retailers.
The Citi Premier® Card can serve as a travel card and everyday cashback card, letting you redeem rewards with a host of travel transfer partners, gift cards, and shopping points. With competitive bonus categories and exclusive entertainment perks, it could be a nice versatile addition to your wallet.
Citi Premier® Card - 60,000 bonus points
The Citi Premier® Card offer requires you to make purchases using the account's card in order to earn the 60,000 bonus points. Full requirements to receive this bonus are:
- Apply for a new Citi Premier® Card using the link below.
- Within 3 months, spend $4,000 using your new card.
- Bonus will be credited in the form of 60,000 points, which can be redeemed for $600 in gift cards.
Learn more about the Citi Premier® Card 60,000 bonus points offer
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4. Capital One Spark Cash Plus
If you're in the market for a low-annual-fee business credit card that offers solid cash back on all purchases and elevated earnings on hotel and rental car purchases, check out Capital One Spark Cash Plus from Capital One.
This offer lets new cardholders earn a one-time bonus of either $500 or $1,000 (depending on how much you can spend), in addition to earning unlimited 2.0% cash back for your business on every purchase with no limits or category restrictions and unlimited 5% cash back on hotels and rental cars booked through Capital One Travel.
What's more? As if that isn't enough, this card will keep rewarding you with a $200 cash bonus every year you spend $200,000, which is more than enough to cover the annual fee!
Like most credit card promotions from Capital One, you'll also need to be a completely new cardholder – previous account holders aren't eligible.
The Capital One Spark Cash Plus Card is a good fit for small business owners who want a straightforward hassle-free rewards card and some nice bookkeeping benefits. It isn’t the best pick for big spenders, who could earn higher rewards in bonus categories—with an annual fee—elsewhere.
Capital One Spark Cash Plus - up to $1000 bonus
The Capital One Spark Cash Plus offer requires you to make purchases using the account's card in order to earn the $1000 bonus. Full requirements to receive this bonus are:
- Open a new Capital One Spark Cash Plus credit card using the link below.
- Within the first 3 months, spend $5,000, earn $500.
- Within the first 6 months, spend a total of $50,000, earn an additional $500.
- Going forward, in any calendar year that you spend a total of $200,000 or more, earn $200.
Learn more about the Capital One Spark Cash Plus $1000 bonus offer
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5. Ink Business Preferred® Credit Card
Chase is offering 100,000 bonus points to new Ink Business Preferred® cardholders. Those points can be redeemed for $1,000 cash, or they can be stretched to $1,250 if put them toward travel through Chase Ultimate Rewards®.
To get the points, you will need to make $15,000 worth of purchases in the first three months.
Offering high rewards on bonus categories that can be redeemed via the Ultimate Rewards Program, a sweet welcome bonus, and a handful of premier perks, the Chase Ink Business Preferred Card is an excellent choice for the average business owner who doesn’t mind a small annual fee.
Ink Business Preferred® Credit Card - 100,000 bonus points
The Ink Business Preferred® Credit Card offer requires you to make purchases using the account's card in order to earn the 100,000 bonus points. Full requirements to receive this bonus are:
- Apply for a new Ink Business Preferred® credit card using the link below.
- Within 3 months, spend $15,000 using your new card.
- Bonus will be credited within 6 to 8 weeks in the form of 100,000 points, which can be redeemed for $1,000 cash or $1,250 in travel rewards.
Learn more about the Ink Business Preferred® Credit Card 100,000 bonus points offer
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6. Ink Business Cash® Credit Card
In addition to the other card perks like cash back and no annual fee, Chase is offering a $900 bonus to new Ink Business Cash® cardholders.
They've lowered the spending threshold and raised the bonus amount in their BEST offer ever on this card!
The Chase Ink Business Cash Card is a great rewards card for small business owners, especially if you rack up a lot of telecom and office supply purchases. Since the card earns Chase Ultimate Rewards, you can redeem them a number of ways, making the fee-free card even more appealing.
Ink Business Cash® Credit Card - $900 bonus
The Ink Business Cash® Credit Card offer requires you to make purchases using the account's card in order to earn the $900 bonus. Full requirements to receive this bonus are:
- Apply for a new Ink Business Cash® credit card using the link below.
- Within 3 months, spend $6,000 using your new card.
- Bonus will be credited within 6 to 8 weeks in the form of 90,000 points, which can be redeemed for $900 cash.
Learn more about the Ink Business Cash® Credit Card $900 bonus offer
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7. Capital One Spark Miles for Business
If you're in the market for a low-annual-fee business credit card that offers solid reward miles on all purchases and elevated earnings on hotel and rental car purchases, check out Capital One Spark Miles business card from Capital One.
This offer lets new cardholders earn a one-time 50,000 miles bonus, in addition to earning unlimited 2X miles for your business on every purchase with no limits or category restrictions and unlimited 5X miles on hotels and rental cars booked through Capital One Travel.
To earn the bonus, you'll need to spend $4,500 using your new card – and you'll have 3 months to meet that requirement. They have another offer on the same card that's only 20,000 bonus miles if a no-annual fee card and an introductory 0% APR for the first 9 months is more appealing to you.
Like most credit card promotions from Capital One, you'll also need to be a completely new cardholder – previous account holders aren't eligible.
With the Capital One Spark Miles for Business card, small business owners who don't want to worry about bonus categories can earn straightforward travel rewards, getting the same amount of miles on every purchase.
Capital One Spark Miles for Business - 50,000 bonus miles
The Capital One Spark Miles for Business offer requires you to make purchases using the account's card in order to earn the 50,000 bonus miles. Full requirements to receive this bonus are:
- Apply for a new Capital One Spark Miles business credit card via the link below.
- In the first 3 months, spend $4,500
- Bonus will be applied to your rewards balance within two billing cycles after meeting the requirements.
Learn more about the Capital One Spark Miles for Business 50,000 bonus miles offer
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8. Chase Sapphire Preferred® Card
Chase is offering 60,000 bonus points to new Chase Sapphire Preferred® cardholders. This is down, unfortunately, from the 80,000 points reward they were offering just recently.
Those points can be redeemed for $600 cash, or they can be stretched to $750 if put towards travel through Chase Ultimate Rewards®.
This is in addition to the revamped points structure that now offers higher rewards in several categories and the new $50 annual hotel statement credit.
In the world of travel cards, the Chase Sapphire Preferred Card is hard to beat. Its low annual fee, perks, and travel rewards make it a perfect fit for travelers looking to rack up rewards for their next trip or for seasoned pros looking to combine forces with multiple Chase cards.
Chase Sapphire Preferred® Card - 60,000 bonus points
The Chase Sapphire Preferred® Card offer requires you to make purchases using the account's card in order to earn the 60,000 bonus points. Full requirements to receive this bonus are:
- Apply for a new Chase Sapphire Preferred® credit card using the link below.
- Within 3 months, spend $4,000 using your new card.
- Bonus will be credited within 6 to 8 weeks in the form of 60,000 points, which can be redeemed for $600 cash or $750 in travel rewards.
Learn more about the Chase Sapphire Preferred® Card 60,000 bonus points offer
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9. Capital One Venture X Rewards Credit Card
The Capital One Venture X Rewards Credit Card comes with a 75,000 mile welcome bonus. All you need to do to qualify is make $4,000 worth of purchases within three months of opening the account.
The card has a somewhat high annual fee; however, lower compared to other similar premium cards. Cardholders also enjoy perks such as a up to $300 in statement credits for bookings through Capital One Travel, up to a $100 credit on Global Entry or TSA PreCheck® and access to select airport lounges.
If you’re looking for a travel card with generous bonus category rewards, travel credits, and bonuses, take a look at the Capital One Venture X Rewards Card. It's a happy medium for road warriors who spend enough to offset an annual fee but don't quite want to commit to an elite card.
Capital One Venture X Rewards Credit Card - 75,000 bonus miles
The Capital One Venture X Rewards Credit Card offer requires you to make purchases using the account's card in order to earn the 75,000 bonus miles. Full requirements to receive this bonus are:
- Apply for a new Capital One Venture X Rewards Credit Card using the link below.
- Within 3 months, spend $4,000 using your new card.
- Bonus will be credited to your rewards balance within 2 billing cycles.
Learn more about the Capital One Venture X Rewards Credit Card 75,000 bonus miles offer
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10. Citi Custom Cash℠ Card
Citi is offering new Custom Cash℠ Card cardmembers a welcome bonus of $200 when spending $1,500 in the first six months of ownership.
This is in addition to the 5% cash back each month on purchases in your top eligible spend category each billing cycle (up to the first $500 spent, 1% thereafter).
The Citi Custom Cash Card is a great addition to your wallet if you’re looking for a set it and forget it cashback card with some variety. Rather than the standard cashback tiers of other cards, it gives you 5% rewards on your top spending category each statement up to a spending limit.
Citi Custom Cash℠ Card - $200 bonus
The Citi Custom Cash℠ Card offer requires you to make purchases using the account's card in order to earn the $200 bonus. Full requirements to receive this bonus are:
- Apply for a new Citi Custom Cash℠ Card using the link below.
- Within 6 months, spend $1,500 using your new card.
- Bonus will be credited as $200 cash back.
Learn more about the Citi Custom Cash℠ Card $200 bonus offer
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11. Ink Business Unlimited® Credit Card
In addition to the other card perks like cash back and no annual fee, Chase is offering a $900 bonus to new Ink Business Unlimited® cardholders.
They've lowered the spending threshold and raised the bonus amount in their BEST offer ever on this card!
The Ink Business Unlimited Card from Chase offers steady cashback across all categories, so you don’t have to worry about tracking bonus categories or spending caps. It’s a great option for earning modest rewards with a welcome bonus and a host of ongoing incentives for applicants.
Ink Business Unlimited® Credit Card - $900 bonus
The Ink Business Unlimited® Credit Card offer requires you to make purchases using the account's card in order to earn the $900 bonus. Full requirements to receive this bonus are:
- Apply for a new Ink Business Unlimited® credit card using the link below.
- Within 3 months, spend $6,000 using your new card.
- Bonus will be credited within 6 to 8 weeks in the form of 90,000 points, which can be redeemed for $900 cash.
Learn more about the Ink Business Unlimited® Credit Card $900 bonus offer
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12. Blue Cash Preferred® Card from American Express
American Express has quite a few welcome offers on their credit cards, starting with their Blue Cash Preferred Card. Here you can earn $250 back as a statement credit after making $3,000 worth of purchases within the first six months.
The card offers 6% back at U.S. super markets (on up to $6,000 per year in purchases, then 1%), 6% on select U.S. streaming subscriptions, 3% on U.S. transit and gas stations, and 1% on all other eligible purchases. *terms apply.
Once you've earned at least $25, you can choose to receive your rewards as statement credits, gift cards or merchandise. The card does come with a $0 intro annual fee for the first year, then $95.
Families with large grocery bills can rack up some serious cash back rewards with the American Express Blue Cash Preferred Card. The card is also also great for rewards on streaming services, gas, and transit costs.
Blue Cash Preferred® Card from American Express - $250 bonus
The Blue Cash Preferred® Card from American Express offer requires you to make purchases using the account's card in order to earn the $250 bonus. Full requirements to receive this bonus are:
- Apply for a new Blue Cash Preferred® Card using the link below.
- Within 6 months, spend $3,000 using your new card to earn $250 as a statement credit.
- Bonus will be credited within 8-12 weeks of meeting the requirements in the form of statement credits.
Learn more about the Blue Cash Preferred® Card from American Express $250 bonus offer
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13. Capital One Venture Rewards Credit Card
The Capital One Venture Rewards Credit Card comes with a 75,000 mile welcome bonus. All you need to do to qualify is make $4,000 worth of purchases within three months of opening the account.
The card has small annual fee; however, on par compared to other similar premium cards. Cardholders also enjoy many perks such as up to a $100 credit for Global Entry or TSA PreCheck®, no foreign transaction fees and travel accident insurance.
The Capital One Venture Rewards Card is an advantageous travel rewards card if you’re looking for straightforward flat-rate miles on all purchases, rather than just travel or other bonus categories. It also offers the option to earn higher rewards when you book trips through Capital One Travel and provides some rewarding travel benefits.
Capital One Venture Rewards Credit Card - 75,000 bonus miles
The Capital One Venture Rewards Credit Card offer requires you to make purchases using the account's card in order to earn the 75,000 bonus miles. Full requirements to receive this bonus are:
- Apply for a new Capital One Venture Rewards Credit Card using the link below.
- Within 3 months, spend $4,000 using your new card.
- Bonus will be credited to your rewards balance within 2 billing cycles.
Learn more about the Capital One Venture Rewards Credit Card 75,000 bonus miles offer
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14. Citi® Double Cash Card - 18 month BT offer
You'll earn up to 2% cash back each month on purchases (1% when you buy + 1% when you pay).
The Citi® Double Cash Card is hard to beat when it comes to straightforward rewards with no annual fee. You get a flat rate of 2% rewards—1% when you buy and another 1% when you pay it back—an incentive to build up your credit score by making payments on time.
Citi® Double Cash Card - 18 month BT offer - up to 2% Cash Back
The Citi® Double Cash Card - 18 month BT offer offer requires you to make purchases using the account's card in order to earn the 2% Cash Back. Full requirements to receive this bonus are:
- Apply for a new Citi® Double Cash Card using the link below.
- Spend with your new card, earn 1% cash back.
- By the due date, pay at least the minimum balance due, earn an additional 1% cash back.
Learn more about the Citi® Double Cash Card - 18 month BT offer 2% Cash Back offer
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15. Capital One VentureOne Rewards Credit Card
The Capital One VentureOne Rewards Credit Card comes with a 40,000 mile welcome bonus. All you need to do to qualify is make $1,000 worth of purchases within three months of opening the account.
The card has no annual fee, and cardholders also enjoy experiences such as VIP tickets and 5-star meals, among other perks.
The Capital One VentureOne Rewards Card is worth considering if you want a fee-free card that earns flat-rate miles on all your purchases with a handful of perks. But if you don't mind paying an annual fee and have solid credit, there are cards with more lucrative benefits.
Capital One VentureOne Rewards Credit Card - 40,000 bonus miles
The Capital One VentureOne Rewards Credit Card offer requires you to make purchases using the account's card in order to earn the 40,000 bonus miles. Full requirements to receive this bonus are:
- Apply for a new Capital One VentureOne Rewards Credit Card using the link below.
- Within 3 months, spend $1,000 using your new card.
- Bonus will be credited to your rewards balance within 2 billing cycles.
Learn more about the Capital One VentureOne Rewards Credit Card 40,000 bonus miles offer
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16. The Business Platinum Card® from American Express
The Business Platinum Card® from American Express comes with a new cardmember offer that can see you earn 120,000 Membership Rewards® Points after spending $15,000 within the first three months.
You also get a whole host of other annual perks including up to $400 back per year toward U.S. purchases with Dell Technologies, up to $150 back per year for select business subscription purchases with Adobe, a $200 airline fee credit and more! Enrollment required.
This is in addition to the lounge access and 5x points on airline and hotel purchases through amextravel.com. Terms Apply. Keep in mind, these perks come at a price, as there's a $695 annual fee.
Plus, use your Membership Rewards to Pay with Points for a first class or business class flight with any airline available through American Express Travel and you receive 35% of the points back. Or get 35% of the points back when you book a flight in any class with your pre-selected qualifying airline. *up to 1 million points back per calendar year.
The American Express Business Platinum Card comes with a hefty annual fee, but the luxury card is well worth it for businesses that travel frequently and spend big, with high rewards, credits, and elite hotel and lounge benefits.
The Business Platinum Card® from American Express - 120,000 bonus points
The The Business Platinum Card® from American Express offer requires you to make purchases using the account's card in order to earn the 120,000 bonus points. Full requirements to receive this bonus are:
- Apply for The Business Platinum Card® from American Express using the link below.
- Within 3 months, spend $15,000 using your new card.
- Bonus will be credited within 8-12 weeks of meeting the requirements in the form of Membership Rewards points.
Learn more about the The Business Platinum Card® from American Express 120,000 bonus points offer
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17. The Blue Business® Plus Credit Card from American Express
The Blue Business® Plus Credit Card from American Express comes with a new cardmember offer that can see you earn 15,000 Membership Rewards® points after spending $3,000 within the first three months on eligible purchases.
You'll also earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. (*terms apply)
The Blue Business Plus Card from American Express is a great pick for smaller business owners looking for a balance of affordability and benefits, with solid rewards and a range of business perks. Just note that there is a rewards spending cap, which may not be the best fit for larger businesses with bigger budgets.
The Blue Business® Plus Credit Card from American Express - 15,000 bonus points
The The Blue Business® Plus Credit Card from American Express offer requires you to make purchases using the account's card in order to earn the 15,000 bonus points. Full requirements to receive this bonus are:
- Apply for The Blue Business® Plus Credit Card from American Express using the link below.
- Within 3 months, spend $3,000 using your new card.
- Bonus will be credited within 8-12 weeks of meeting the requirements in the form of Membership Rewards® Points.
Learn more about the The Blue Business® Plus Credit Card from American Express 15,000 bonus points offer
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18. Citi® / AAdvantage® Executive World Elite Mastercard®
The Citi® / AAdvantage® Executive World Elite Mastercard®, for a limited time, offers new cardholders 50,000 American Airlines AAdvantage® bonus miles after spending $5,000 in the first three months. This card come with free Admirals Club® membership and access for up to 2 guests or immediate family members traveling with you. You'll also get your first checked bag free on domestic American Airlines itineraries for you and up to 8 companions on the same reservation.
Bonus Tip: You also get 10,000 AAdvantage® Elite Qualifying miles if you spend $40,000 in a single year.
Whether you’re a true blue American Airlines loyalist or you fly with a number of airlines, this card is worth having in your wallet and can make your AA flights more pleasant, in addition to earning solid rewards. Cardholders get travel benefits and partner benefits that can offset the moderately low annual fee.
Citi® / AAdvantage® Executive World Elite Mastercard® - 50,000 bonus miles
The Citi® / AAdvantage® Executive World Elite Mastercard® offer requires you to make purchases using the account's card in order to earn the 50,000 bonus miles. Full requirements to receive this bonus are:
- Apply for a new Citi® / AAdvantage® Executive World Elite Mastercard® credit card using the link below.
- Within 3 months, spend $5,000 using your new card.
- Bonus miles will be credited in your AAdvantage® account in 8-10 weeks.
Learn more about the Citi® / AAdvantage® Executive World Elite Mastercard® 50,000 bonus miles offer
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19. Chase Freedom Unlimited®
In addition to the other card perks like cash back and no annual fee, Chase is offering a $200 bonus to new Chase Freedom Unlimited® cardholders.
Plus, Chase recently updated this offer to also include 5% cash back on the first $12,000 spent at grocery stores within the first year. If you max that benefit, you could see an extra $600 in your pocket, in addition to the $200 welcome offer.
Tip: Want to earn even more? You can earn an additional $500 cash back each year by referring friends, with each successful referral earning you $100.
If you’re looking for a card that works for you on all fronts, check out Chase Freedom Unlimited. With enticing offers for new cardholders, top-notch rewards, and flexible redemption options, it brings more to the table than a lot of no-annual-fee cards.
Chase Freedom Unlimited® - $200 bonus
The Chase Freedom Unlimited® offer requires you to make purchases using the account's card in order to earn the $200 bonus. Full requirements to receive this bonus are:
- Apply for a new Chase Freedom Unlimited® credit card using the link below.
- Within 3 months, spend $500 using your new card.
- $200 Bonus will be credited within 6 to 8 weeks.
Learn more about the Chase Freedom Unlimited® $200 bonus offer
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20. World of Hyatt Business Credit Card
The World of Hyatt Business credit card is a relatively new co-branded business card from Chase and Hyatt, and they're offering 60,000 bonus points to new cardholders.
Unfortunately, this is down from their previous offer of 75,000 points.
That said, 60,000 points is still enough to cover the cost of up to 12 nights at a category 1 hotel, and the spend requirement was also reduced to reflect the lower reward – from $7,500 to $5,000.
Plus, this is in addition to the other great perks of the card (jump below to read more). Keep in mind, however, that the card has a $199 annual fee which is not waived in the first year (unlike many other annual-fee cards) – so factor that in accordingly.
If you’re partial to Hyatt properties and your business takes you on the road often, the World of Hyatt Business Card from Chase should be on your radar as a tool to help you save and work your way up to elite status. You’ll also enjoy competitive rewards and exclusive perks.
World of Hyatt Business Credit Card - 60,000 bonus points
The World of Hyatt Business Credit Card offer requires you to make purchases using the account's card in order to earn the 60,000 bonus points. Full requirements to receive this bonus are:
- Apply for a new World of Hyatt Business credit card using the link below.
- Within 3 months, spend $5,000 using your new card.
- Bonus points will be credited to your World of Hyatt account within 6 to 8 weeks.
Learn more about the World of Hyatt Business Credit Card 60,000 bonus points offer
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21. Blue Cash Everyday® Card from American Express
Blue Cash Everyday® Card is another personal credit card from American Express, offering new members the ability to earn a $200 welcome offer.
Blue Cash Everyday® Card from American Express is a rewards credit card that offers 3% back on groceries at U.S. supermarkets (on first $6,000 per year, then 1%), 3% at U.S. gas stations (on first $6,000 per year, then 1%), 3% cash back on U.S. online retail purchases (on first $6,000 per year, then 1%), and 1% on every other eligible purchase. Terms Apply.
Your cash back is credited as Reward Dollars that can be redeemed for statement credits.
If you don’t want to deal with a steep annual fee, the American Express Blue Cash Everyday Card is an excellent starter card for rewards on groceries, gas, and retail purchases.
Blue Cash Everyday® Card from American Express - $200 bonus
The Blue Cash Everyday® Card from American Express offer requires you to make purchases using the account's card in order to earn the $200 bonus. Full requirements to receive this bonus are:
- Apply for a new Blue Cash Everyday® Card using the link below.
- Within the first 6 months, spend $2,000 using your new card to earn $200 as a statement credit.
- Bonuses will be credited within 8-12 weeks of meeting the requirements.
Learn more about the Blue Cash Everyday® Card from American Express $200 bonus offer
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22. Chase Freedom Flex℠
In addition to the other card perks like cash back and no annual fee, Chase is offering a $200 bonus to new Chase Freedom Flex℠ cardholders.
You will also earn 5% cash back on grocery store purchases (excluding Target® and Walmart®) on up to $12,000 spent in the first year, which equates to a possible $600 additional bonus if you max the benefit.
If you’re willing to monitor categories and spend strategically, you can really maximize your earnings with the Chase Freedom Flex Card. It provides a welcome bonus, generous cashback rewards, and rotating quarterly bonus categories with a slew of other perks.
Chase Freedom Flex℠ - $200 bonus
The Chase Freedom Flex℠ offer requires you to make purchases using the account's card in order to earn the $200 bonus. Full requirements to receive this bonus are:
- Apply for a new Chase Freedom Flex℠ credit card using the link below.
- Within 3 months, spend $500 using your new card.
- Bonus will be credited within 6 to 8 weeks in the form of 20,000 points, which can be redeemed for $200.
Learn more about the Chase Freedom Flex℠ $200 bonus offer
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23. Capital One Quicksilver Cash Rewards Credit Card
The Capital One Quicksilver Cash Rewards Credit Card comes with a $200 welcome bonus. All you need to do to qualify is make $500 worth of purchases within three months of opening the account.
The card has no annual fee, and cardholders also enjoy experiences such as VIP tickets and 5-star meals, among other perks.
The Capital One Quicksilver Cash Rewards Credit Card is a straightforward option, with a decent flat interest rate across all spending categories. While some cards offer more cash back and perks, it's a good choice if you don’t want to worry about tracking your spending in bonus categories.
Capital One Quicksilver Cash Rewards Credit Card - $200 bonus
The Capital One Quicksilver Cash Rewards Credit Card offer requires you to make purchases using the account's card in order to earn the $200 bonus. Full requirements to receive this bonus are:
- Apply for a new Capital One Quicksilver Cash Rewards Credit Card using the link below.
- Within 3 months, spend $500 using your new card.
- Bonus will be credited to your rewards balance within 2 billing cycles.
Learn more about the Capital One Quicksilver Cash Rewards Credit Card $200 bonus offer
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24. Hilton Honors American Express Card
The Hilton Honors American Express Card comes with a new cardmember offer that can see you earn 100,000 Hilton Honors bonus points after spending $2,000 in the first six months.
This is in addition to the $0 annual fee, the solid reward categories, and the card's other perks. This is solid deal on this card compared to recent offers. *terms apply.
If you’re looking for Hilton benefits without shelling out money for an annual fee, the Hilton Honors American Express Card delivers. While the card doesn’t offer all the perks of higher tier travel cards, it provides cardholders with automatic Silver Status.
Hilton Honors American Express Card - 100,000 bonus points
The Hilton Honors American Express Card offer requires you to make purchases using the account's card in order to earn the 100,000 bonus points. Full requirements to receive this bonus are:
- Apply for a new Hilton Honors American Express Card using the link below.
- Within 6 months, spend $2,000 using your new card.
- Bonus will be credited within 8-12 weeks of meeting the requirements in the form of Hilton Honors points.
Learn more about the Hilton Honors American Express Card 100,000 bonus points offer
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25. Capital One SavorOne Cash Rewards Credit Card
If you're in the market for a zero-annual-fee credit card that offers solid cash back on food and experiences, check out the SavorOne Rewards from Capital One.
In addition to an introductory 0% APR for the first 15 months, Capital One is offering new cardholders a one-time $200 bonus.
To earn the cash, you'll need to spend just $500 using your new card – and you'll have 3 months to meet that requirement. Like most credit card promotions from Capital One, you'll also need to be a completely new cardholder – previous account holders aren't eligible.
The Capital One SavorOne Cash Rewards card is a favorite for foodies and entertainment seekers. With generous uncapped cash back and a wealth of other benefits, it’s worth adding to your wallet if you spend big in these categories.
Capital One SavorOne Cash Rewards Credit Card - $200 bonus
The Capital One SavorOne Cash Rewards Credit Card offer requires you to make purchases using the account's card in order to earn the $200 bonus. Full requirements to receive this bonus are:
- Apply for a new SavorOne Rewards from Capital One using the link below.
- Within 3 months, spend $500 using your new card.
- Bonus will be applied to your rewards balance within two billing cycles after meeting the requirements.
Learn more about the Capital One SavorOne Cash Rewards Credit Card $200 bonus offer
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How Do Credit Cards Work?
In addition to knowing the best cards, it’s important to understand how credit cards work and how you can use them effectively. If you’re about to become a new cardholder, take my word for it: you can’t afford to not know about this stuff.
Overall, the U.S. credit card system is relatively simple. A credit card is a line of credit issued by a financial institution like a bank or credit union. You can use this credit line, which is known as your credit card limit, to make purchases with your card.
Unlike a debit card, credit cards don’t draw funds from your bank account when you buy something. Instead, the amount you spend is deducted from your limit, and you pay the total amount back with a linked account at the end of each billing cycle (usually monthly).
While there are several reasons you might open a credit card, one of the main benefits is the rewards.
How Do Credit Card Rewards Work?
With most credit cards, you earn rewards for every dollar that you spend on everyday purchases. These rewards can range from cash back to reward points to exclusive perks — it all depends on the specific card. That said, there tends to be a pretty common theme: The more money you spend, the more rewards you earn.
The key to maximizing a credit card rewards program is understanding how you personally spend. For example, if most of your monthly budget tends to go toward gas and groceries, you can open a card that offers extra points in those specific categories. Similarly, if you’re a frequent traveler, then you definitely want to look into a high-earning travel rewards card.
That said, it’s not as easy as it sounds. Rewards can be awesome, but you have to watch out for credit card interest fees.
How Does Credit Card Interest Work?
The plain truth is that lenders don’t give perks from the goodness of their hearts. Credit cards are a massive, for-profit business, and the primary way that these lenders earn profits is by charging interest on outstanding balances.
Fortunately, if you pay your balance in full each month, you can avoid interest fees altogether.
When you get approved for a credit card, your credit line comes with an interest rate, which is also known as an annual percentage rate (APR). This number represents the percentage of your annual balance that you pay in interest if you don’t pay your bill in full each billing cycle.
To put it more simply, if you don’t pay your balance in full each month, you owe extra. How much extra depends on your APR and the size of your outstanding balance. The good news is that if you’re diligent and pay your balance in full and on time, you don’t have to worry about interest.
If you cannot afford to pay off your monthly balance, you probably shouldn’t charge those purchases to your card.
If you have excellent credit, your APR is likely to be lower. On the flip side, if you have average or bad credit, you pose a greater risk to an issuer, so you’ll most likely see a higher rate.
Types of Credit Cards
This section explains the various types of credit cards and the specific purposes that each one serves. As I mentioned above, each one appeals to a different kind of consumer. But many cardholders open multiple accounts to cover various spending categories.
Here’s a look at the main types of credit cards.
Rewards Credit Cards
Rewards card is a very broad term, but it basically includes any type of card that issues incentives for your spending. Most commonly, rewards cards feature a points system, where you earn a certain number of points per dollar spent. These points can be exchanged for cash back, travel expenses like flights and hotels, and concert tickets, among many more options.
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Cash Back Credit Cards
A cash back card is a rewards credit card that offers a cash back percentage instead of points or perks. For example, you might earn 3% back on all U.S. supermarket purchases, 2% at U.S. gas stations, and 1% on everything else. Some cards automatically apply the cash to your outstanding credit card balance, while others allow you to spend it how you choose.
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Travel Rewards Credit Cards
A travel rewards card is one that’s focused on — you guessed it — travel! With one of these cards, you’re in line for perks like upgraded flights and airport lounge access, but it also means that you’ll earn extra points when you spend money on travel expenses. It probably goes without saying, but if you don’t travel often, this probably isn’t the type for you.
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Balance Transfer Credit Cards
Balance transfer cards serve a specific purpose: Helping you pay down existing credit card debt.
If you happen to run up a balance on your rewards card that you’re unable to pay back all at once, a balance transfer card can help you avoid paying so much in interest. Balance transfer cards usually come with a 0% APR that lasts for several months or in some cases more than a year after account opening. This allows you to transfer your current balance and pay down your debt interest-free. Just keep in mind that you’ll often run into a balance transfer fee.
Secured Credit Cards
A secured credit card is a worthy option if you’re concerned about getting yourself into debt. Unlike most credit cards, a secured card is directly linked to your bank account, which serves as a security deposit. Your credit card limit is based on how much is in that account, so you can never spend more than you have. These cards usually do not feature any rewards and are more for building your credit score than anything else.
0% APR Credit Cards
There are two ways to get a 0% APR. The first we already talked about, where you get a 0% intro APR as a welcome bonus on a balance transfer card. The other is to simply have outstanding credit. If you don’t present a risk of not paying your balance to an issuer, you’ll be rewarded with an interest-free credit line.
Business Credit Cards
If you own a small business, you’ll likely need to invest in a business credit card. Unlike consumer cards, a business credit card is intended for use on all expenses related to your business. This can include inventory, supplies, travel, and more.
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Student Credit Cards
A student credit card is one that is designed specifically for high school or college students. These cards are meant to help young people learn about credit and build their scores, so they often have lower limits and lower APRs. However, this also means that the rewards are always a bit lower as well.
Credit Card Providers
Things can get a little murky when you’re trying to understand the difference between credit card companies, issuers, and networks, so let’s take a minute to talk about each one, and what their role is.
Credit Card Issuers
A credit card issuer is a financial institution that offers credit cards to consumers and manages the credit card account. Most often, your credit card issuer will be a bank or credit union. In the United States, some of the best-known credit card issuers are Chase, Capital One, and Bank of America.
Credit Card Networks
A credit card network works on the back end, authorizing any transaction that you make with your credit card. In the split second it takes to swipe, these networks are responsible for determining whether or not you have enough room in your limit for the transaction to go through.
You’re probably familiar with the four major credit card networks in the U.S.: Visa, Mastercard, Discover, and American Express (Amex). These card networks generate profit by charging interchange fees, which is the percentage of a sale that a merchant pays the network in exchange for access.
Private Label Credit Cards
A private label credit card is one that’s designed for exclusive use with a particular brand or company, such as Target, Kohl’s, Amazon, or Lowe’s. The list goes on.
You’ve probably been solicited more than once in the checkout line. Since private label cards are connected to a particular store, they usually don’t utilize credit card networks such as Discover or Amex. Private label cards are most often backed by a bank or another issuer, and their use is often most limited to the associated store. As you might expect, these cards mainly earn profits from interest fees on outstanding balances.
How To Choose the Best Credit Card for Your Financial Needs
You may be wondering how to narrow down these credit card options to the perfect one for you. Fortunately, it’s a fairly simple process. It all starts with identifying which stage of your financial journey you find yourself in.
For example, if you’re fresh out of college and you’re looking to build your credit score, your best bet might be a secured card or a low-fee rewards card. On the other hand, if you have years of positive credit history, you’re probably more focused on a card that’ll hook you up with plenty of rewards and perks.
As I mentioned earlier, another factor in choosing the right card is to understand how you spend. The best way to earn a ton of rewards is to get a card that aligns with your lifestyle. If you love to go out to dinner, there are dozens of cards that come with bonus points for restaurants. If you’d rather stay home and watch movies, there are cards that come with free access to streaming services — it all depends on you.
Once you narrow it down to a specific type, such as a travel credit card or a cash back card, you can start looking into different issuers. You’ll quickly notice that many of them have similar offerings, but with slight differences that can become important.
Does an issuer have a well-regarded mobile app? Is the network accepted everywhere? Does the card charge annual or foreign transaction fees? The specific questions to ask depend on you and your needs, but the more of them you can answer, the easier it’ll be to pick the right credit card.
Credit Card Application Process
When you’re ready to apply, the application process for a credit card is almost always simple and painless. After all, issuers are in the business of getting new cardholders on board, so they don’t typically make it difficult to apply. Most often, you can fill out your application on the issuer’s website or mobile app.
Typically, all you need to apply is some basic personal information, like your name, address, income details, and Social Security number. This allows the issuer to run a credit check. Based on your credit history, you’ll either get approved or denied for the credit card, which can take between a few seconds and a few weeks.
If you’re approved, your credit history will also determine your credit limit and your variable APR, unless your card comes with an introductory APR.
Once you receive your new card in the mail, it’s time to make some eligible purchases so you can qualify for the welcome offer (if there is one).
Frequently Asked Questions
How many credit cards should a person have?
It depends on the person. If you’re just looking to build credit, you probably only need one. However, if you’re more established, there are reasons to have multiple cards. For example, you might have one card for travel purchases and one to use at the grocery store.
Overall, a good rule is not to pursue more credit card offers than you need to. Credit cards can be great, but they can also get out of hand in a hurry. Make sure that you have a clear purpose for each card that you choose to hold.
What is the top company for credit cards?
Chase is currently the largest credit card issuer in the U.S., and it’s no secret that Chase offers some excellent credit cards. But that doesn’t necessarily make it the best company for everybody. Rather than focusing on who the top issuer is overall, focus on finding the best one for you, personally.
Is 7 credit cards too many?
I won’t lie, 7 credit cards is a lot. If you have this many cards, it might be a good idea to ask yourself why. Do you have a habit of running up a limit, then opening a new card instead of paying it off? If so, it’s important to rethink your relationship with credit.
That said, if you’re organized and have a specific reason for having each of your 7 cards, it could be a different story. No matter how many credit cards you have, your main focus needs to be on managing them responsibly. If you have 7 cards that you pay in full and that works for you, that might be okay. But if you’re running up an outstanding balance and paying interest fees each month, you must change courses.
What card do billionaires use?
There are a few credit cards that come with an air of prestige. The most well-known is probably the American Express Centurion (also known as the Black Card). Other high-end credit cards include the JP Morgan Chase Reserve and the Stratus Rewards Visa. My two cents: these cards often have very high fees, so you really need to value the perks for them to be worth it.
Does canceling a credit card hurt your credit?
Yes, but not majorly. When you cancel a credit card, you remove that credit limit from your report. Since part of your credit score is based on how much available credit you have, your score will likely take a hit.
Is Mastercard or Visa better?
From a consumer standpoint, the odds of noticing the difference between a Visa and a Mastercard are low. If you’re between these two, I recommend focusing on the issuer that you prefer instead. That said, Visa is the world’s most widely accepted credit network.
However, if you’re considering an American Express card, it’s a different story. Amex is well-known for charging higher interchange fees than other networks. This is why a few merchants simply don’t accept Amex payments. You typically won’t see this with Visa or Mastercard, which are usually accepted everywhere.
Will getting a credit card boost my credit score?
Yes, but it’s somewhat complicated. When you first apply for a card, your credit score will most likely drop by a few points, but not to worry. This is because the issuer has conducted a hard credit check. Once you’re approved for a card, your new credit limit is added to your total available credit. Eventually, this boosts your score and will almost always cancel out the temporary decline.
What’s the average credit limit?
At the moment, the average credit limit in the United States is right around $13,000. However, if you’re opening your first credit card, don’t expect to get a limit this high. Cardholders with years of positive credit history tend to inflate that average, so first-time applicants are more likely to see an initial limit between $2,000 and $5,000. As you build your credit, that limit will go up over time.
