Inside Article
Best Credit Cards to Get in USA?
There are 100s of banks issuing credit cards in the USA, but what are the best credit cards to get in USA in 2023 that fit into your wallet? CforCreditCard is dedicated to help you make the right choice, with the list of best credit cards in the USA including cash back, rewards, balance transfer, 0% intro APR, travel, sign-up bonuses, no annual fee, no foreign transaction fee, miles on purchases, students and more. After the research, we have prepared a list of the best credit cards to have in America in 2023. So, without further ado, I have for you here the best credit cards of October 2023:
Chase Sapphire Preferred:
The Chase Sapphire Preferred is one of the best travel rewards cards on the market, and for good reason. With a welcome offer worth up to $1,000 in travel rewards, you’re off to a good start as soon as you sign up. Additionally, the card offers 3x points on all travel and dining purchases, and 2x points on all other purchases, making it an excellent choice for frequent travelers and foodies. The annual fee is $95, but the rewards and perks more than makeup for it.
Discover it Secured:
The Discover it Secured card is an excellent option if you want to build or rebuild your credit. The card offers cashback rewards on all purchases, and after eight months of responsible use, you can upgrade to an unsecured card. Additionally, the card has no annual or foreign transaction fees, making it an excellent choice for international travel.
Capital One Venture Rewards:
The Capital One Venture Rewards card is perfect for those who love to travel but want to avoid dealing with the hassle of a travel rewards program. The card offers 2x miles on all purchases, and you can redeem those miles for travel expenses at a rate of 1 cent per mile. Additionally, the card offers a generous welcome offer worth up to $600 in travel rewards, and the $95 annual fee is waived for the first year.
Citi Double Cash:
The Citi Double Cash card is one of the best cashback cards on the market, offering 2% cashback on all purchases (1% when you make the purchase, and an additional 1% when you pay it off). There’s no annual fee, and the card offers a 0% introductory APR on balance transfers for 18 months (after that, the APR is 13.99%-23.99%). The Citi Double Cash is an excellent option if you’re looking for a straightforward, no-frills cashback card.
American Express Platinum:
The American Express Platinum card is one of the most prestigious cards on the market, offering many perks and rewards. The card offers 5x points on flights and hotels booked through American Express Travel, 1x points on all other purchases, and a generous welcome offer worth up to $1,200 in travel rewards. Additionally, the card offers a $200 annual airline fee credit, a $200 annual Uber credit, and access to exclusive airport lounges worldwide. The downside? The card has a hefty $550 annual fee.
Now, let’s have a closer look at what we have prepared for you.
Best Business Credit Card
American Express Blue Business Cash™ Card For Business
When it comes to the American Express Blue Business Cash™ Card, business owners can enjoy a rewards rate of 2% on all eligible purchases, on up to $50,000 per calendar year. After reaching this cap, the rewards rate drops to 1%. With no annual fee and a recommended credit range of 670-850 (Good to Excellent), this card is a great option for business owners looking to earn cash back on their purchases. Additionally, there is currently no intro offer, but cardholders can enjoy a 0.0% intro APR on purchases for 12 months from the date of account opening, followed by a variable rate of 18.49% – 26.49% based on creditworthiness and other factors determined at account opening. Cash back earned is automatically credited to the statement, making this card a convenient and hassle-free option for any business owner.
Best Credit Card For Foodies
American Express® Gold Card For Foodies
The American Express Gold Card is the way to go for foodies who love to dine out as this card offers a remarkable 4 points per dollar at restaurants and 4 points per dollar at U.S. supermarkets, for up to $25,000 in purchases per year. Furthermore, the card offers 3 points per dollar on flights booked directly with airlines or amextravel.com. Despite the annual fee being on the higher side, if you’re someone who frequently makes purchases in the above-mentioned categories, you can quickly rack up points and earn your rewards. As a welcome bonus, signing up for this card can get you 60,000 points if you spend $4,000 or more in the first six months of membership. Plus, with an annual dining credit of up to $120 and a possible activity credit of up to $100 on qualified vacations, this card surely has much to offer.
Best Credit Card For Foodies
American Express® Gold Card For Foodies
Are you a frequent luxury traveler seeking the ultimate experience? Look no further than The Platinum Card® from American Express. This card offers unparalleled benefits and rewards, making it the best for luxury travel. With access to exclusive airport lounges, elite status on airline loyalty programs, and concierge services, your travel experiences will be elevated to new heights. Plus, enjoy luxurious perks such as hotel upgrades, free nights, and car rental privileges. The Platinum Card® from American Express is a must-have for anyone seeking the ultimate in luxury travel experiences.
Best for Frugal Families
Blue Cash Everyday® Card from American Express For Frugal Families
Looking for a credit card that can help you earn cash back on everyday purchases? The Blue Cash Everyday® Card from American Express could be just what you need. With a rewards rate of up to 3% cash back on U.S. supermarkets, U.S. online retail purchases, and U.S. gas stations (up to $6,000 per year in purchases, then 1%), this card can help you save money on your regular expenses. Plus, there’s a great intro offer to sweeten the deal: earn $200 just for signing up and using your card. Best of all, there’s no annual fee to worry about, so you can keep more of your hard-earned money in your pocket. With a recommended credit score of 670-850 (Good to Excellent), the Blue Cash Everyday Card is a smart choice for anyone looking to maximize their rewards and earn cash back on everyday purchases.
Best Rewards Credit Card
Blue Cash Preferred® Card from American Express For Rewards
The Blue Cash Preferred® Card from American Express makes grocery shopping all the more rewarding. With one of the highest rewards rates for U.S. supermarkets and select U.S. streaming services, this card packs a lot of everyday value. But the rewards don’t stop there: you’ll also earn outstanding rewards on transit and U.S. gas station purchases, along with an intro APR offer on purchases and balance transfers and annual streaming credits. Of course, there are a few caveats attached to the bonus rewards, such as the $6,000 cap on U.S. supermarket purchases per year and the fact that the 3% and 6% rewards are only available stateside. But for anyone who spends a lot on groceries and other household essentials, the Blue Cash Preferred® Card from American Express is a no-brainer.
Best Secured Credit Card
Capital One Platinum Secured Credit Card
The Capital One Platinum Secured Credit Card offers those with no credit history an opportunity to build and establish credit. Although this card does not offer any rewards, it is a great option when seeking a credit-building card with low fees. In fact, this card has no annual or hidden fees, including no foreign transaction fees or penalty APR. Additionally, the card offers peace of mind with $0 Fraud Liability. After putting down a refundable security deposit starting at $49, you can get an initial credit line of $200. If you use the card responsibly, you may become eligible for a higher, unsecured credit line in just six months – faster than many other issuers who may make you wait for over a year. Overall, the Capital One Platinum Secured Credit Card could be a great asset when trying to establish credit.
Best Flexible Rewards Credit Card for First-Timers
Capital One Quicksilver Cash Rewards Credit Card For First-Timers
With Capital One Quicksilver Cash Rewards Credit Card, you do not have to pay hefty annual fees. Look no further than the This card offers unlimited 1.5% cash back on every purchase, every day, meaning you can earn cash back on everything from gas to groceries, without any restrictions or hassle. Plus, you’ll be able to take advantage of 0% intro APR on both purchases and balance transfers for 15 months, and there’s no annual fee to worry about. With a recommended credit score range of 670-850, this card is an excellent choice for those with good or excellent credit. And if you sign up now, you can earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening. Don’t miss out on this fantastic deal, apply for the Capital One Quicksilver Cash Rewards Credit Card today!
Best for Unlimited + Everyday Rewards in Popular Categories
Capital One SavorOne Cash Rewards Credit Card For Rewards
If you’re someone who thoroughly enjoys dining out and partaking in various forms of entertainment, then you might want to look into the Capital One SavorOne Cash Rewards Credit Card. Dubbed the “Best for food and entertainment”, this credit card offers a generous cashback rewards program for these specific categories. You can earn 3% cash back on dining purchases, 2% cash back on grocery store purchases, and 1% cash back on all other purchases. Plus, there’s no annual fee to worry about! With the ability to earn cash back on something you already love doing – eating out and having fun – this credit card is definitely worth considering.
Best Travel Credit Card
Capital One Venture Rewards Credit Card For Travel
Experience the world in style with the Capital One Venture Rewards Credit Card. With 5 Miles per dollar on hotels and rental cars booked through Capital One Travel, you can save big and earn rewards at the same time. Plus, with 2 Miles per dollar on every purchase, every day, you’ll never miss an opportunity to earn more miles. Get started with a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel. With no limit to how many miles you can earn, you’ll be able to travel the world in no time. Along with these excellent rewards, you’ll enjoy a $100 credit for Global Entry or TSA PreCheck®, and two complimentary visits per year to Capital One Lounges or to 100+ Plaza Premium Lounges through the Partner Lounge Network. The annual fee of $95 is easily offset by the incredible rewards and benefits. Apply now and start your travel adventure today!
Best for Unlimited Miles on Purchases
Capital One Venture X Rewards Credit Card For Unlimited Miles
The Capital One Venture X Rewards Credit Card is a great choice for those who love to travel and want to earn rewards while exploring the world. This credit card offers an amazing range of travel benefits, including global lounge access, up to $100 in TSA PreCheck or Global Entry application fee credits, and the ability to earn 10x miles on hotels and rental cars booked and paid for through Capital One Travel. These perks, along with no foreign transaction fees, make the Venture X Rewards Card an excellent choice for jet-setting adventurers. Plus, with its sleek metal design and high-end features, this credit card is sure to impress. Whether you’re planning a once-in-a-lifetime adventure or a weekend getaway, the Capital One Venture X Rewards Credit Card is the perfect travel companion.
Best for Attainable Bonus + High-Value Spend Categories
Chase Freedom Unlimited® For Bonuses
Chase Freedom Unlimited is used as an everyday cash back card. With an impressive 1.5% cash back on general purchases and an attractive sign-up bonus, this card is a solid choice for those starting to collect Chase Ultimate Rewards points. It also offers great rewards on dining, drugstore purchases, travel booked through Chase Ultimate Rewards, and Lyft rides, with no limits on cash back. What’s even more appealing is the ease of redemption, with the option to redeem cash back at any time and in any amount. While the annual bonus isn’t as great as some other cards, the lack of an annual fee and the convenience of this card’s benefits make it a contender for Chase’s best cash back card for everyday consumers.
Best for Generous Sign-Up Bonus
Chase Sapphire Preferred® Card For Sign-Up Bonus
The Chase Sapphire Preferred® Card is a top pick for anyone looking to earn rewards for spending. You can earn 60,000 bonus points after spending $4,000 on purchases during the first 3 months from account opening – a $750 value when you redeem through Chase Ultimate Rewards®. But that’s not all – the card also provides benefits including 5x points on travel purchased through Chase Ultimate Rewards®, 3x points on dining, and 2x points on all other travel purchases. Moreover, you can look forward to perks such as $50 annual Ultimate Rewards Hotel Credit, Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, and Lost Luggage Insurance. Plus, you’ll get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®, making your rewards go even further. The complimentary access to DashPass also unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024. All this comes with an annual fee of only $95, and the intro purchase APR is N/A. So, if you’re looking to maximize your spending and earn rewards while doing so, the Chase Sapphire Preferred® Card is definitely worth considering.
Best for Automatically Maximizing Rewards
Citi Custom Cash℠ Card For Automatic Rewards
The Citi Custom Cash® Card is a fantastic choice for savvy shoppers who want to earn cash back each time they spend. With a great rewards rate of 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, this card gives you the chance to earn up to $25 in cash back each month. What’s more, you’ll earn a generous $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening – that’s a nice little bonus! The best part? There’s no annual fee, so you’ll be saving money even as you earn it. With a very good rewards redemption program, you can use your points for a variety of options – from statement credits to gift cards to direct deposits – making it easy to redeem your rewards for the things you want and need. Overall, the Citi Custom Cash® Card is a standout choice that’s hard to beat.
Best for Balance Transfers + High-Value Rewards Categories
Discover it® Balance Transfer and Rewards
The Discover it® Balance Transfer offers a unique feature that sets it apart from other credit cards. Discover will match all the cash back you earn in your first year, with no minimum spending or rewards limit. Imagine earning $150 in cash back and turning that into $300, just by taking advantage of this offer! And that’s not all—this card also offers 5% cash back on everyday purchases at different locations each quarter, such as Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. You’ll also earn unlimited 1% cash back on all other purchases automatically. Plus, Discover offers a free service to help you reduce your exposure to personal information online by removing it from select people-search sites that may sell your data. With no annual fee, every $1 you earn in cash back is one you can redeem, making Discover it® Balance Transfer a great option for savvy spenders.
Best for Cash Back Match
Discover it® Cash Back Credit Card
If you’re looking for a credit card that offers a wide range of cashback categories, the Discover it® Cash Back is an excellent choice. With this card, you’ll earn 5% cashback on up to $1,500 in purchases in rotating categories each quarter, and 1% cashback on all other purchases. Plus, at the end of your first year, Discover will match all the cashback you’ve earned, effectively doubling your rewards. This means that you could earn up to $300 in cashback during your first year alone. The rotating categories include everything from grocery stores to gas stations to streaming services, so you’re sure to find something that fits your lifestyle. And since there’s no annual fee, you can enjoy all these rewards without any extra costs.
Best Student Credit Card
Discover it® Student Cash Back
The Discover it® Student Cash Back card is a standout option for college students looking to earn cash rewards with flexible terms. With its range of benefits, including no annual or penalty APR fees, the card’s intro offer of 0% APR for six months on new purchases is a major draw. And with 5% cash back on rotating quarterly categories and 1% cash back on all other purchases, students can easily rack up rewards. Plus, the card matches cash back at the end of the first year, making the potential rewards even more compelling. Consumers can also appreciate the customizable features of the card, including a lock/unlock switch and social security number alerts, along with the ability to withdraw cash at checkout – all while enjoying a free FICO credit score. Overall, the Discover it® Student Cash Back card offers a clear path to maximizing rewards while minimizing costs and hassle.
Best for Long 0% Intro APR
U.S. Bank Visa® Platinum Card For 0% Intro APR
The U.S. Bank Visa® Platinum Card offers a fantastic introductory APR for a limited time, cardholders can enjoy a 0% APR on purchases and balance transfers for a total of 21 billing cycles – an offer that’s hard to beat. With no annual fee and convenient access to your credit score via the app or online banking, this card is a great choice for anyone looking to take control of their finances. Plus, with the option to pay over time using the U.S. Bank ExtendPay® Plan, you’ll have even more flexibility and control. Don’t wait – take advantage of the $0 fee offer on ExtendPay Plans opened within the first 60 days after account opening and start enjoying the benefits of the U.S. Bank Visa® Platinum Card today.
Best for Everyday Cash Rewards
Wells Fargo Active Cash℠ Card For Cash Rewards
Looking for a credit card that rewards you with cash without any category restrictions? You might want to check out the Wells Fargo Active Cash® Card. This credit card offers a flat rate cashback of 2% on all eligible purchases, so you don’t have to worry about activating bonus categories, calculating rewards, or missing out on earnings due to spending restrictions. Plus, you can earn a one-time $200 cash bonus if you spend $1,000 in the first three months of account opening. The Wells Fargo Active Cash® Card also comes with other benefits such as cell phone protection, travel and emergency assistance services, and zero liability protection, giving you peace of mind when you use your card. Overall, if you want a simple, straightforward cash rewards credit card, the Wells Fargo Active Cash® Card might be the right fit for you.
Final Words
Whether you’re looking to build your credit, earn cashback rewards, or travel the world, there’s a credit card out there that’s perfect for you. These five credit cards are the cream of the crop, offering generous rewards and perks that can help you achieve your financial goals. Just be sure to use your credit card responsibly, pay off your balance in full every month, and watch your credit score soar!
- The Wells Fargo Active Cash® Card offers the best flat-rate cash rewards.
- Those who want category variety should consider the Discover it® Cash Back, while the Capital One SavorOne Cash Rewards Credit Card is ideal for food and entertainment.
- If you’re looking for travel perks, the Capital One Venture X Rewards Credit Card is the way to go.
- For luxury travel, look no further than The Platinum Card® from American Express, while the American Express® Gold Card is best for foodies.
- The Chase Sapphire Preferred® Card provides the best travel value, and the Citi Custom Cash® Card is the best second rewards card. The Blue Cash Preferred® Card from American Express is perfect for groceries, and the Capital One Venture Rewards Credit Card offers the best flat-rate travel rewards.
- If you’re just starting, the Capital One Quicksilver Cash Rewards Credit Card is the best starter rewards card, while the Blue Cash Everyday® Card from American Express is great for household shopping.
- For balance transfers, the Discover it® Balance Transfer card is the way to go.
- Lastly, The American Express Blue Business Cash™ Card and Discover it® Student Cash Back are the best options for business and student credit cards, respectively.