Best Credit Cards of 2023.

The best credit card list without companies boosting rankings through sponsors.

Updated: April 7th, 2023



Before we start, it is important to mention that this is not professional financial advice. Remember to do your own research and make your own decisions. Also, it is important to note that banks and credit card companies intice you to spend as much money as possible. Be sure to pay off your credit card balance every single month. If you can't afford it, don't buy it.

Best Credit Card for Catch-All Purposes

Citi Double Cash Card

Annual Fee: $0      Credit Suggested: 700+

The Citi Double Cash® is a great card for people who want to earn cash back on all purchases. This credit card provides an unlimited 2% cash back on all purchases, 1% when you buy and 1% when you pay your bill, making this card very good to improve your spending habits by incentivising you to pay your bill. This card is great for people who want to earn cash back on all purchases and don't want to worry about rotating categories.


Why this card

Benefits

Runner Up

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Check out the best credit card trifectas:




Best Credit Card for Rent

Housing is the single most spent expenditure in the United States at 33.8% according to the U.S. Bureau of Labor Statistics. Thus, It is important to have a credit card that rewards you for paying your rent.

Bilt Rewards Master Card

Annual Fee: $0      Credit Suggested: 680+

The Bilt mastercard is changing the industry by rewarding you for paying your rent. It currently offers 1 point per dollar spent on rent payments, 2X points on travel, 3X points on dining and 1X points on all other purchases. If the renter payment system has a credit card fee, Bilt will reimburse the fee if you pay through the card. Bilt has also said that they might add mortgage payments in the future.

It is important to note that credit card users reported some fradulent charges in early 2023. However, all fradulent charges has been refunded and Bilt has since fixed the issue.


Why this card

Benefits

The Catch

Runner Up

Eco Debit Card

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Best Credit Card for Travel

Venture X Card

Annual Fee: $395      Credit Suggested: 720+      Soft 5/24 Rule

How about getting $5 each year when you own this card? By booking at least $300 in travel through Capital One Travel, you will get $300 back as statement credits each year. You also get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary. This means that you will get $400 back every year. This card is great for people who travel frequently.


Why this card

Cardmember Offer

Benefits

Runner Up

Venture X Card

Annual Fee: $95      Credit Suggested: 700+      Chase 5/24 Rule: Yes

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Why this card

Cardmember Offer

Benefits




Best Credit Card for Groceries

Housing is the single most spent expenditure in the United States at 33.8% according to the U.S. Bureau of Labor Statistics. Thus, It is important to have a credit card that rewards you for paying your rent.

Venture X Card

Annual Fee: $95 (First year waived)      Credit Suggested: 690+

U.S. BankShopper Cash Rewards™ Visa Signature® Card is a newer credit card and currently offering one of the highest cashback rates for retail purchases at 6% cash back on your first $1,500 in combined eligible purchases each quarter with two retailers you choose, including Apple, Amazon, Walmart, Target, and more.


Why this card

Cardmember Offer

Benefits

Runner Up

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Best Credit Card for Dining Out

American Express® Gold Card

Annual Fee: $0      Credit Suggested: 700+

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Why this card

Benefits

Runner Up

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Best Credit Card for Retail Shopping

Housing is the single most spent expenditure in the United States at 33.8% according to the U.S. Bureau of Labor Statistics. Thus, It is important to have a credit card that rewards you for paying your rent.

U.S. BankShopper Cash Rewards™ Visa Signature® Card

Annual Fee: $95 (First year waived)      Credit Suggested: 700+

U.S. BankShopper Cash Rewards™ Visa Signature® Card is a newer credit card and currently offering one of the highest cashback rates for retail purchases at 6% cash back on your first $1,500 in combined eligible purchases each quarter with two retailers you choose, including Apple, Amazon, Walmart, Target, and more.


Why this card

Benefits

Runner Up

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Best Credit Card for Gas

Citi Custom Cash Credit Card

Annual Fee: $0      Credit Suggested: 700+

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Why this card

Benefits

Runner Up

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Best Credit Card for Students

Discover it® Student Cash Back Credit Card

Annual Fee: $0      Credit Suggested: N/A*

*Based on the preceding 12 months of Discover Student credit card application data, applicants without a credit score may qualify. You must meet other applicable underwriting criteria. When we evaluate your creditworthiness, we consider all the information you provide on your application, your credit report, and other information. If you have a credit score, we may use that in our evaluation. Lorem ipsum dolor sit amet consectetur, adipisicing elit. Deleniti amet nulla quidem. Repudiandae aliquid doloremque magnam debitis, iure ipsum reiciendis! Temporibus doloribus soluta quaerat in. Doloribus dolore minima blanditiis asperiores?


Why this card

Benefits

Runner Up

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