Best Credit Cards of 2023

Shopping around for the best credit card offers in 2023 is important if you want to get the most out of your credit card. There are a lot of features to compare when deciding on the best credit card for you, including signup bonus offers, cashback on purchases, travel rewards and perks, balance transfer offers, annual fees, and more. And, according to Experian, only 56.3% of Americans compare credit card offers before completing applications, while only 16.5% of those surveyed review the cards and their terms annually.

You might think the card you’ve been carrying for 10 years is the best, but there’s a chance you could get a whole lot more out of a new credit card offer.

What to Consider as You Shop for Credit Cards

Shopping around for the best credit cards doesn't have to be time consuming. That is why Wise Bread has your back, to help you maximize rewards while also making a sound financial decision that will protect you from hidden fees, high-interest charges, and overall bad deals.

Ask yourself this question first: What will you use the card for? Are you going to use it for everyday spending or to consolidate debt? If you're going to use it for your day to day spending, you'll want to keep your eye out for the best cash back credit cards for the categories you spend the most in — like entertainment, travel, or dining.

Are you trying to consolidate debt? The best credit card for you to look out for is a balance transfer card — even better if it also happens to offer a credit card rewards program so you can get the most bang for your buck.

The next thing you need to consider is your credit score. The companies offering the best signup bonus credit cards are usually very transparent about the type of financial risk they're willing to take. You can save yourself a lot of stress, as well as additional dings to your credit score, by only applying for programs you're relatively sure you'll be approved for.

Once you have a good idea of what you're looking for, you can use Wise Bread's picks of the best credit cards above to see if there's a new deal to suit your needs this month. And, don't worry — we update the list regularly.

How Did We Choose the Best Credit Card Rewards Offers?

We wanted to do some of the leg work for you, so our team of dedicated credit card reviewers and personal finance professionals took a look at dozens of listings that claimed to be the best credit card offers in 2023. Some weren't that great, but the ones we've chosen definitely stood out from the rest.

Our favorite features include:

• 0% introductory APR rates for anywhere from the first 12 to 18 billing cycles
• Extra perks like free access to your FICO score
• No annual fees
• Large Signup Bonus Offers
• New cash back bonuses worth hundreds of dollars
• As much as 6% cash back on everyday purchases

How to Apply

It's easy to apply for any of the best credit cards on our list:

1. Click the green “Apply Now” button on any of our offers to go directly to the provider's secure website.
2. Once you've landed on the application page, make sure you take a few moments to confirm the terms you're applying for and read any additional fine print about the credit card rewards and their details.
3. Fill in your information.
4. Apply for the best cash back credit cards that are most likely to suit your lifestyle.

You have tons of options to consider when it comes to the best credit cards.

Once you've chosen the best credit card for you, you'll be well on your way to earning extra cash rewards, miles, and some pretty great credit card perks.