Rewards Credit Cards to Skip in 2023

While rewards credit cards can offer significant benefits for cardholders, not all rewards credit cards are created equal. In 2023, there are several rewards credit cards that may not be worth your time or money due to their high fees, limited rewards, or other drawbacks. Here are some rewards credit cards to skip in 2023:

Marriott Bonvoy Brilliant™ American Express® Card

The Marriott Bonvoy Brilliant™ American Express® Card offers a high annual fee of $450 and limited rewards. Cardholders earn 6x points at Marriott hotels, 3x points at US restaurants and on flights booked directly with airlines, and 2x points on all other purchases. While the card does offer a welcome bonus of 75,000 points after spending $3,000 within the first three months of account opening, the value of the points may not be worth the high annual fee.

Citi Premier® Card

The Citi Premier® Card offers a decent rewards structure, with 3x points on travel, including gas stations, 2x points on dining and entertainment, and 1x point on all other purchases. However, the card’s annual fee of $95 may not be worth it for some cardholders, especially if they don’t spend enough on travel and dining to earn significant rewards.

Bank of America® Premium Rewards® credit card

The Bank of America® Premium Rewards® credit card offers 2x points on travel and dining and 1.5x points on all other purchases. While the rewards structure is decent, the card’s $95 annual fee and lack of a significant welcome bonus may not make it worth it for some cardholders. Additionally, the points can only be redeemed for travel or cash back, limiting the card’s flexibility.

Delta SkyMiles® Blue American Express Card

The Delta SkyMiles® Blue American Express Card offers limited rewards, with cardholders earning just 2x miles on Delta purchases and 1x mile on all other purchases. The card also has a $0 annual fee, but this may not be enough to make up for the limited rewards and lack of other benefits or perks.

Amazon Prime Rewards Visa Signature Card

The Amazon Prime Rewards Visa Signature Card offers 5% cash back on purchases made on Amazon.com and at Whole Foods Market, 2% cash back at restaurants, gas stations, and drugstores, and 1% cash back on all other purchases. While the rewards structure may seem attractive, the card’s high interest rates and lack of flexibility may not make it worth it for all cardholders, especially if they don’t shop frequently on Amazon or at Whole Foods Market.

When choosing a rewards credit card, it’s important to consider your spending habits and the card’s benefits and drawbacks to determine if it’s worth the annual fee or other costs. While some rewards credit cards may offer enticing rewards, it’s important to consider the overall value of the card and whether it fits with your lifestyle and financial goals. By doing your research and carefully considering your options, you can find a rewards credit card that offers the benefits you need without the drawbacks that can drain your wallet.