Best Credit Cards of 2023

These are our recommended credit cards for 2023. Which card you will qualify for is dependent upon your credit score. Not sure what your credit score is? Sign up for a Free CreditSoup account today and get access to your free credit score and top matched credit card options specifically for you. Checking your score has no impact to your credit.

Travel Rewards

Chase Sapphire Preferred® Card

Credit Recommended (660-850):
Good/Excellent
Apply Now
Chase Sapphire Preferred® Card
Editor’s Rating: 4.8
4.8
Apply Now on the Chase secure website.
Credit Recommended (660-850):
Good/Excellent
Intro Rewards Bonus
60,000 bonus points
Rewards Rate 1
5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases
Foreign Trans Fee
$0
Apply Now on the Chase secure website.
Annual Fee
$95
Regular APR
21.49%-28.49% Variable
Credit Recommended
Good/Excellent

Highlights

  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
  • Enjoy benefits such as 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining, and 2x on all other travel purchases, and $50 annual Ultimate Rewards Hotel Credit, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. 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, 2024.
  • Member FDIC
See additional details for Chase Sapphire Preferred® Card

See If You're Pre-Qualified

Search Now on the CreditSoup.com secure website.
Cost
No Charge to find out if you're Pre-Qualified
Credit Limit
Varies based on the card you choose
Card Types
Cards for Every Credit Type
Search Now on the CreditSoup.com secure website.

Highlights

  • Cards for Every Credit Score
  • See if You're Pre-Qualified
  • Find The Best Credit Card for You. Compare Top Card Offers and Apply Online!
  • Get Personalized Credit Card Offers in Seconds. No Impact to Your Credit Score!
  • Compare Offers and Apply Today
See additional details for Find The Best Credit Card for You!

Cash Back Rewards

Chase Freedom Unlimited®

Credit Recommended (660-850):
Good/Excellent
Apply Now
Chase Freedom Unlimited®
Editor’s Rating: 4.7
4.7
Apply Now on the Chase secure website.
Credit Recommended (660-850):
Good/Excellent
Intro (Purchases)
0% Intro APR on Purchases 15 months
Intro Rewards Bonus
Matched Cash Back
Annual Fee
$0
Apply Now on the Chase secure website.
Intro (Transfers)
0% Intro APR on Balance Transfers 15 months
Regular APR
20.49% - 29.24% Variable
Credit Recommended
Good/Excellent

Highlights

  • SPECIAL OFFER: Unlimited Matched Cash Back. Use your card for all your purchases and at the end of your first year, Chase will automatically match all the cash back you earned! There is no limit to how much you can earn. Every dollar in cash back rewards you earn is a dollar Chase will match.
  • Unlimited 1.5% cash back is just the beginning of what you can earn. You'll enjoy 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery services, 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; and 1.5% cash back on all other purchases.
  • 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 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!
  • 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, real-time alerts, and more.
  • Member FDIC
See additional details for Chase Freedom Unlimited®

Fair Credit

Imagine® Visa® Credit Card

Credit Recommended:
Fair
Apply Now on the Imagine Card secure website.
Credit Recommended:
Fair
Rewards Rate 1
Up to 3% Cash Back Rewards; 3% Cash Back Reward on Gas, Groceries and Utility Bill Payments. 1% Cash Back Reward on all other eligible purchases.
Credit Line
Up to $1,000 credit limit subject to credit approval
Regular APR
29.99% or 36% Fixed
Apply Now on the Imagine Card secure website.
Annual Fee
As low as $85
Credit Recommended
Fair
Card Brand
Visa®

Highlights

  • Earn 3% Cash Back Rewards* on Gas, Groceries and Utility Bill Payments
  • Earn 1% Cash Back Rewards* on all other eligible purchases
  • Up to $1,000 credit limit subject to credit approval
  • $0 fraud liability**
  • Free Credit Score†
    *See Program Terms for important information about the cash back rewards program.
    **Zero liability subject to Visa’s Zero Liability Policy.
    † Your credit score will be available in your online account 60 days after your account is opened. (Registration required.) The free VantageScore 4.0 credit score provided by TransUnion® is for educational purposes only and may not be used by WebBank (the issuer of this card) or other creditors to make credit decisions.
See additional details for Imagine® Visa® Credit Card

Poor Credit

First Digital Mastercard®

Credit Recommended:
Poor/Damaged/Fair
Apply Now on the First Digital secure website.
Credit Recommended:
Poor/Damaged/Fair
Regular APR
35.99%*
Cash Advance APR
35.99%*
Annual Fee
$75.00 1st year, $48.00 after*
Apply Now on the First Digital secure website.
Late Payment Fee
Up to $41.00*
Cash Advance Fee
Either $10, or 3% of the amount of the Cash Advance, whichever is greater.
Credit Recommended
Poor/Damaged/Fair

Highlights

  • Earn 1% cash back rewards on payments made to your First Digital Credit Card
  • Checking Account Required
  • $300 credit limit (subject to available credit)
  • Build up your credit history with a card that reports to all three major credit bureaus every month.
  • Perfect credit not required for approval; we may approve you when others won’t.
  • *See Rates, Fees, Costs & Limitations for complete offer details
  • See Cash Back Rewards Programs Terms & Conditions for details
See additional details for First Digital Mastercard®

Debit Card

GO2bank

Credit Recommended:
All Credit Types Considered
Apply Now on the issuer’s secure website.
Credit Recommended:
All Credit Types Considered
Overdraft Protection
up to $200 with opt-in and eligible direct deposits
Monthly Fee
No monthly fees with eligible direct deposit, otherwise $5 per month
Activation Fee
$0
Apply Now on the issuer’s secure website.
Direct Deposit Fee
$0
ATM Fee
$0 In-network withdrawal & balance inquiry, $3 Out-of-network withdrawal, $0.50 Out-of-network balance inquiry.
Credit Recommended
All Credit Types Considered

Highlights

  • Overdraft protection up to $200 with opt-in and eligible direct deposit*
  • No monthly fees with eligible direct deposit, otherwise $5 per month
  • Earn up to 7% cash back when you buy eGift Cards in the app
  • Get your pay up to 2 days early - Get your government benefits up to 4 days early.*
  • High-yield savings account, 4.50% APY paid quarterly on savings up to $5,000.*
See additional details for GO2bank

*Terms and conditions apply. Cards issued by GO2bank, Member FDIC, pursuant to a license from Visa U.S.A., Inc. Overdraft fees may apply. Click Apply Now to learn more.


Secured Cards

First Latitude Platinum Mastercard® Secured Credit Card

Credit Recommended:
Poor/Limited/No Credit
Apply Now on the issuer’s secure website.
Credit Recommended:
Poor/Limited/No Credit
Regular APR
24.49% (V)
Annual Fee
$25.00 for the first year, after that $35.00 annually*
Cash Advance APR
29.49% (V)
Apply Now on the issuer’s secure website.
Credit Line
Minimum refundable deposit of $100.00 up to $2,000.00*
Credit Recommended
Poor/Limited/No Credit
Rewards Rate
1% Cash Back on payments

Highlights

  • 1% Cash Back Rewards on payments
  • Choose your own fully-refundable credit line - $100 to $2000 – based on your security deposit
  • Build your credit score.¹ Reports to all 3 credit bureaus
  • No minimum credit score required for approval!
  • 1Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
  • *See Important Disclosures for complete offer details
Advertiser Disclosure

Best Credit Cards Of 2023

Thinking about applying for a credit card, but aren’t sure which one to choose? You came to the right place. Looking through all the credit card offers takes time, and you might miss out on a great opportunity if you try to do it without help. That’s why CreditSoup maintains a list with many of the best credit card offers.

Read these tips to guide your search for the top credit card of 2023.

Finding the Best Credit Card of 2023

As a responsible credit user, you know that you can’t apply for credit every few minutes. When you make a decision, it should be one you are glad to keep for at least a few years. That is why research into the credit card offers available is so important. No one wants to apply for the first card they see, only to realize it has high fees, fewer benefits or a lower spending limit than other cards. You do not even have to take a lot of time to look. CreditSoup does all the research and puts the best offers of the year right here.

Comparing the Best Credit Card Offers

Most credit cards have the same components, but the terms may differ wildly from one card to the next. The ideal time to compare these terms is before you apply. Look for the following factors:

  • Origination fees you’ll need to pay to get the card
  • Discounts on actions such as balance transfers when applying for the card
  • Introductory interest rates and periods
  • The cost of annual fees, if any
  • Interest rate and whether it is fixed or variable
  • Balance transfer rates and fees
  • Rewards programs and how they will likely work for you
  • Signup bonuses, if available, and the initial spending requirements involved

Credit cards can be a tool to help you manage cash flow and earn benefits for items you were going to buy anyway. The top credit card of 2023 will help keep your expenses down and offer the best rewards you can use.

Reasons to Keep Checking Back

If what you see does not seem like the perfect fit, there are plenty of reasons to keep an eye on this page. The market for credit cards is very competitive, especially for people with higher credit scores. Companies sometimes change their rewards programs and terms at times to entice new customers to sign up and react to competitive pressures. A lower introductory rate or a decrease in balance transfer fees might be just what you need.

The best credit cards of 2023 are listed right here at CreditSoup. Browse this page to find the credit card offer that is the best fit for your needs.


As featured on:
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Advertiser Disclosure

CreditSoup is an independent, advertising-supported comparison service. The offers that appear on this site are from companies from which CreditSoup receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). CreditSoup does not include all companies or all offers available in the marketplace. CreditSoup may use other proprietary factors to impact offer listings on the website such as consumer selection or the likelihood of the applicant’s credit approval.

Editor’s Rating

Our editors review each credit card and provide our ratings based on the features the credit card offers consumers including the fees, interest rates, benefits, rewards, and how it compares to other credit cards in its category. Card ratings may vary by category as the same card may receive a different rating based on that category.

CreditSoup.com may be compensated by companies mentioned on our site when a consumer’s application is accepted or approved by the company.