Best Credit Card Offers of 2023

Getting the best credit card is not an easy task because not all best credit cards will be best for you. You should know what you need a credit card for to be able to find an ideal credit card for you. There are tens of thousands of credit cards out there. Some of them are tailored to those who want to build their credit, other cards offer low or 0% intro APRs on purchases and balance transfers. Credit cards with cash back, point rewards, miles rewards - there are all possible rewards credit cards to choose from if you are after rewards. Below you will find some of the best credit card offers out there.

November 2023: BEST CREDIT CARD OFFER

5
Card Overall Rating
Excellent / Good / Fair Credit
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Regular Purchase APR
13.24% - 18.00% Variable APR
Annual Fee
None
  • Earn 10,000 bonus Rewards Points when you spend $2,000 in the first 60 days
  • Earn 1 point for every $1 spent on everyday purchases
  • No annual fee or balance transfer fee
  • Points never expire while account is open and in good standing

More Best Offers for Your Credit

First Tech Choice Rewards World Mastercard® Application
Compare now (18) »
on First Tech's secure website
5
Card Overall Rating
Excellent / Good Credit
  • Earn 20,000 bonus Rewards Points when you spend $3,000 in the first 60 days
  • Earn 2 Rewards Points for every $1 spent on groceries, gas, electronics, medical, household goods and telecommunications and 1 Reward Point for every $1 spent on all other purchases
  • Redeem Reward Points for travel, merchandise, events, experiences, gift cards and cash
  • No points maximum and your points never expire
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Regular Purchase APR
13.50% - 18.00% Variable APR
Annual Fee
None
5
Card Overall Rating
Excellent, Good Credit
  • Earn $125 in statement credit when you use the Sony Visa® Credit Card to spend $500 within 60 days of account opening. Offer ends on 3/31/24*
  • Earn 5X points on entertainment purchases like movie and concert tickets and on purchases of Sony products at the Sony Store or authorized retailers with purchase confirmation.**,***
  • Earn 2X points on ride shares, cable & internet as well as restaurants, including dine-in, takeout and delivery.**
  • Earn 1 point for every $1 spent on all other purchases.**
  • Once approved, a temporary shopping pass may be issued and sent to your smartphone, allowing you to shop online right away.+
  • No annual fee.++
  • Turn your points into countless rewards, including VIP experiences, the latest tech and hottest entertainment.
  • This is a good card for Entertainment Enthusiasts.
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Regular Purchase APR
19.24%, 25.24%, or 27.99%, based upon your creditworthiness.
Annual Fee
None

This offer is not available in Delaware and Indiana.

5
Loan Overall Rating
  • No credit check
  • 0% APR and No hidden fees
  • Open your account in minutes
  • Bank-level security keeps your data safe
  • A $750 revolving line of credit to use for Kikoff purchases
  • Build payment history that gets reported to Equifax and Experian

This offer is not available in Delaware and Indiana.

Checking Account Required
No
Maximum Loan Amount
$750
Minimum Loan Amount
See terms
Employment Required
Yes
5
Loan Overall Rating
Any Credit
  • See Your Rate In Minutes
  • Get Your Free Experian® Credit Report
  • Compare Low Interest Personal Loans Up To $100,000. Get An Online Quote In Minutes!
  • Get Matched To Personal Loan Offers Based On Your FICO® Score Even If You Have Bad Credit.
Checking Account Required
Yes
Maximum Loan Amount
$100,000
Minimum Loan Amount
$1,000
Employment Required
Yes
First Tech Platinum Rewards Mastercard® Application
Compare now (18) »
on First Tech's secure website
5
Card Overall Rating
Excellent / Good / Fair Credit
  • Earn 10,000 bonus Rewards Points when you spend $2,000 in the first 60 days
  • Earn 1 point for every $1 spent on everyday purchases
  • No annual fee or balance transfer fee
  • Points never expire while account is open and in good standing
  • Redeem points for travel, merchandise, events and activities, charitable donations, and gift cards
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Regular Purchase APR
13.24% - 18.00% Variable APR
Annual Fee
None
4
Card Overall Rating
Fair/Bad/No Credit
  • To apply for Credit Builder, you must have received a single qualifying direct deposit of $200 or more to your Checking Account. The qualifying direct deposit must be from your employer, payroll provider, gig economy payer, or benefits payer by Automated Clearing House (ACH) deposit OR Original Credit Transaction (OCT). Bank ACH transfers, Pay Anyone transfers, verification or trial deposits from financial institutions, peer to peer transfers from services such as PayPal, Cash App, or Venmo, mobile check deposits, cash loads or deposits, one-time direct deposits, such as tax refunds and other similar transactions, and any deposit to which Chime deems to not be a qualifying direct deposit are not qualifying direct deposits.
  • Chime® Checking Account and $200 qualifying direct deposit required to apply. Eligibility requirements apply for Credit Builder metal card
  • Free credit building, no matter your credit history
  • No annual fees or interest3
  • No credit check to apply
  • No minimum security deposit required1
  • Whether it’s gas or groceries, all purchases can count towards building credit via on-time payment
  • Reports to all 3 major credit bureaus
  • View and track your FICO score right in the Chime app. FICO is the credit score used by 90% of lenders2
  • The secured Chime Credit Builder Visa® Card is issued by Stride Bank, N.A., Member FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted.
  • 1Money added to Credit Builder will be held in a secured account as collateral for your Credit Builder Visa card, which means you can spend up to this amount on your card. This is money you can use to pay off your charges at the end of every month.
  • 2Credit score calculated based on FICO® Score 8 model. Your lender or insurer may use a different FICO® Score than FICO® Score 8, or another type of credit score altogether. Learn More
  • 3Out of network ATM withdrawal and over the counter advance fees may apply. See here for details.
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Regular Purchase APR
0%
Annual Fee
$0

This offer is not available in MA, ME, ND, NH, NV, OR, RI, TN, VT.

4
Card Overall Rating
Any Credit
  • Get Personalized Credit Card Offers Based on Your Credit File from Experian®. 100% Free!
  • Credit Cards Matched For You
  • Compare Credit Card Offers
  • See Cards In Under 60 Seconds

This offer is not available in MA, ME, ND, NH, NV, OR, RI, TN, VT.

Intro APR on Purchases
See terms
Intro APR on Balance Transfers
See terms
Regular Purchase APR
See terms
Annual Fee
See terms
4
Card Overall Rating
  • No Monthly Fees.
  • Get fee-free overdraft up to $200 with SpotMe®*
  • Set up Direct Deposit and get your paycheck up to 2 days earlier^ than some of your co-workers!
  • Banking services and debit card provided by The Bancorp Bank N.A. or Stride Bank, N.A., Members FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted.
  • *Chime SpotMe is an optional, no fee service that requires a single deposit of $200 or more in qualifying direct deposits to the Chime Checking Account each at least once every 34 days. All qualifying members will be allowed to overdraw their account up to $20 on debit card purchases and cash withdrawals initially, but may be later eligible for a higher limit of up to $200 or more based on member’s Chime Account history, direct deposit frequency and amount, spending activity and other risk-based factors. Your limit will be displayed to you within the Chime mobile app. You will receive notice of any changes to your limit. Your limit may change at any time, at Chime’s discretion. Although there are no overdraft fees, there may be out-of-network or third party fees associated with ATM transactions. SpotMe won’t cover non-debit card transactions, including ACH transfers, Pay Anyone transfers, or Chime Checkbook transactions. See Terms and Conditions.
  • ^Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.
Card Type
Debit
Activation Fee
No
Maintenance Fee
No
Overdraft Available
Yes
My GM Rewards® Mastercard® Application
Compare
on Goldman Sachs' secure website
4
Card Overall Rating
Excellent, Good Credit
  • Earn 15,000 bonus points after spending $1,000 in your first 3 months - that's $150 in value when you redeem with GM.
  • Earn 4X points for every $1 spent on all purchases, and 7X total points for every $1 spent on GM purchases. Points don't expire as long as your account remains open.
  • Points add up fast! For example, spending $12K per year on everyday purchases will earn 48,000 pts which is $480 in value toward future redemptions with GM.
  • Looking for a new GM vehicle? Redeem unlimited points towards the purchase or lease of a new Chevrolet, Buick, GMC or Cadillac.
  • Already have a GM vehicle? Use your points toward your GM Financial account, Certified Service, eligible Accessories, and more.
  • No annual fee, no foreign transaction fees, or cash advance fees. Late fees may apply.
  • 0% Intro APR on purchases for the first 9 months; thereafter, variable APR of 20.24% to 29.99%.
  • See if you're approved with no impact to your credit score. Accepting a card after your application is approved will result in a hard inquiry, which may impact your credit score.
  • Terms Apply. Subject to credit approval.
Intro APR on Purchases
0% (9 Months)
Intro APR on Balance Transfers
N/A
Regular Purchase APR
20.24% to 29.99% variable purchase APR based on creditworthiness. Rates as of 8/1/2023
Annual Fee
None
4
Card Overall Rating
Fair / Poor Credit
  • Don’t let a low FICO score stop you from applying – we approve applications others may not.
  • You don’t need good credit to apply.
  • Just complete the short application and receive a response in 60 seconds.
  • When you need assistance our award-winning US-based Customer Service agents are there to help.
  • FICO scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any PREMIER Bankcard® product.
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Regular Purchase APR
See Provider Website
Annual Fee
See Provider Website
4
Card Overall Rating
Fair / Poor Credit
  • Everyone deserves a chance to build** credit: apply today!
  • PREMIER Bankcard credit cards are for building** credit.
  • Start building credit by keeping your balance low and paying all your bills on time each month.
  • We'll provide you a manageable credit limit and manageable payments meant to help you stick to your budget.
  • FICO scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any PREMIER Bankcard® product.
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Regular Purchase APR
See Provider Website
Annual Fee
See Provider Website

Planning Your Financial Path with a Credit Card

You put a lot of time and effort into applying for the best credit card offer that suits your financial needs and lifestyle. Now that you have it you can enjoy the convenience and advantages of having a credit card, including making online purchases, not having to carry cash, and benefiting from the perks of rewards programs. But on the flip side, a credit card also comes with a lot of responsibility.

Careless credit card use can quickly lead to serious debt or identity theft. Moreover, most people fail to realize that credit card payments and level of debt have the most negative impact on your credit rating. Maxing out your credit card or ignoring your monthly bills now can have serious consequences in the future. A low credit score can hinder your ability to get a loan for a house or car, cause you to have to pay security deposits on utilities, make getting approved for an apartment or loan difficult, and depending on what industry you are in, even result in your denial for employment.

So before you go out and splurge on a wild weekend or start developing bad bill payment habits, our team of personal finance experts has some tips on the best ways to maintain your credit card after you get it.

  • Think of your credit card as 27 day cycle loan
  • Know what you owe
  • Pay your bill on time
  • Pay your bill in full
  • Use your credit card for emergencies only

GET YOUR OFFER MATCH
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This tool finds credit offers that suit your situation best. However, only lenders and issuers decide whether you'll be approved or not for an offer.

Not Sure Which Card to Choose?

Ask Our Experts or Read Credit Card FAQs
There are a lot of good credit card offers but what is the best credit card for you depends on your credit score and your preferences. First of all, know your credit score to find the right credit cards to choose from and to qualify for a credit...
With so many credit card issuers, there is quite a lot of competition between credit card companies to get customers, especially those with decent and good credit ratings. Millions of new credit card accounts are approved by all the credit companies...
Firstly, you should understand what are your main expenses to choose the best rewards credit card for you. There are different types of rewards cards: Cash back credit cards. Some cash back credit cards offer fixed cash back rate, for example, 1%...
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