Credit cards can be a great way to earn rewards, build credit, and manage expenses. But with so many different credit card options available, it can be difficult to know which one to choose. Here are five of the best credit cards to consider in 2023:
- Capital One Venture Rewards Credit Card: This card offers a generous rewards program, with 2 miles per dollar spent on all purchases, and a one-time bonus of 50,000 miles after spending $3,000 within the first three months of account opening. You also get $0 annual fee first year and it waives off after that.
- Chase Sapphire Preferred Card: This card offers 2 points per dollar spent on travel and dining, and 1 point per dollar spent on all other purchases. It also comes with a sign-up bonus of 80,000 points after spending $4,000 within the first three months of account opening.
- American Express Gold Card: This card offers 4 points per dollar spent on dining and grocery store purchases, and 3 points per dollar spent on flights booked directly with airlines or through Amex travel. It also comes with a one-time welcome bonus of 35,000 Membership Rewards points after spending $4,000 within the first three months of account opening.
- Citi Double Cash Card: This card offers a simple cash back program, with 2% cash back on all purchases: 1% when you buy, and 1% when you pay it off. There’s no annual fee and no need to keep track of rotating categories.
- Discover it Cash Back: This card offers rotating cash back categories where you can earn up to 5% cash back. It also comes with a sign-up bonus of $200 after spending $1,000 within the first three months of account opening.
It’s important to keep in mind that these are only a few options, and your best credit card will depend on your individual financial situation and spending habits. It is always recommended to review the terms and conditions, fees and interest rates, as well as to read up on customer reviews before deciding on a credit card.
In addition, when choosing a credit card, be sure to consider the perks and rewards that are important to you and match your spending habits.
In summary, these credit cards are among the best to consider in 2023, but ultimately, the best credit card for you will depend on your own financial situation and spending habits. It’s always a good idea to compare different cards, read the fine print and seek professional advice from financial advisors or credit counselors before making a decision.