Over the last couple of years, there's been some really solid new credit cards, other credit cards have gone through major revamps and others just continue to be great cards, year after year.
Here are the best credit cards in 2023:
Capital One Venture X
- Welcome bonus: Earn 75,000 miles after spending $4,000 on purchases in the first 6 months.
- Annual Fee: $395
- High points categories: 2x miles on any spending category (main card spending benefit), 10x miles on hotels & rental cars booked through Capital One Travel 5x miles on flights booked through Capital One Travel.
- No foreign transaction fees.
- Lounge access for you and 2 guests at over 1,300 lounges: Priority Pass, Plaza Premium, and Capital One lounges.
- Other benefits: 10,000 miles anniversary bonus, $300 annual travel credit, up to a $100 credit on Global Entry or TSA PreCheck,
Bilt Rewards
- Welcome bonus: No welcome bonus.
- Annual Fee: $0
- High points categories: 1x points on rent with no fee, only card on the market to offer points without fee on this large spending category. 2x points on travel and 3x points on dining.
- No foreign transaction fees.
Learn more: Bilt Rewards Review 2023
Citi Custom Cash
- Earn 5% cash back in your top spending category on up to $500 per month, 1% cash back on all other purchase.
- Welcome bonus: Earn $200 cash back after you spend $1,500 on purchases in the first 6 months.
- Annual fee: $0
- 0% APR for 15 months on purchases and balance transfers.
- You actually earn Citi ThankYou Points, if you have the Citi Premier card, you can also transfer your points to travel partners potentially earning you higher than 5% and 1% cash back on your spending with the Citi Custom Cash.
Learn more: Citi Custom Cash Review 2023
US Bank Cash+
- Welcome bonus: Earn $200 after spending $1,000 in the first 120 days.
- Annual Fee: $0
- High cash back categories: 5% cash back on 2 categories of your choice on up to $2,000 of spending per quarter. Category: TV, internet & streaming, fast food, cell phone providers, department stores, clothing stores, electronic stores, sporting goods stores, furniture stores or ground transportation. . 2% cash back on 1 category: Groceries, Gas/EV charging stations, restaurants. 1% cash back on all other spending.
Learn More: US Bank Cash+ Review 2023
Amex Gold
- Welcome bonus: Earn 60,000 Membership Rewards® Points after you spend $4,000 on purchases in the first 6 months.
- Annual Fee: $250
- High points categories: 4x points on groceries and at restaurants, 3x points on flights purchased directly from airlines and at amextravel.com. 1x points on all other spending.
- No foreign transaction fees.
- Other benefits: $120 dining credit, $120 Uber credit, both are monthly credits of $10 per month
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