- Last updated December 2023
Best Credit Cards Of December 2023
Compare the top credit cards on the market
✓ Large sign-up bonuses
✓ Zero liability protection
✓ Competitive rewards rates
What card do you want?
9.6
Best overall credit card
- Annual Fee: /yr
- $100 annual hotel savings benefit
- No foreign transaction fees
Transfer points to airline partners
- Annual Fee: /yr
- $100 annual hotel savings benefit
- No foreign transaction fees
Best overall credit card
- 3x at restaurants, supermarkets, gas stations, & more
9.3
3% back at restaurants & drugstores
- Annual Fee: /yr
- Credit Score Needed:
9.2
Earn 5% in top eligible spending category
- Annual Fee: /yr
- Credit Score Needed:
- Intro APR:
- Annual Fee: /yr
- Credit Score Needed:
- Intro APR:
Earn 5% in top eligible spending category
8.7
3% on supermarkets, gas, & retail
- Annual Fee: /yr
- Credit Score Needed:
- Intro APR:
8.3
3% on dining & 2% on supermarkets
- Annual Fee: /yr
- Credit Score Needed:
- Earn 5% on Gas purchases for 6 months or up to a $6,000 spend
- Annual Fee: /yr
- Credit Score Needed:
- Earn 5% on Gas purchases for 6 months or up to a $6,000 spend
3% on dining & 2% on supermarkets
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SmartScore
The SmartScore consists of a combination of the following 2 components:
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SmartWealthTrends uses our individual analysis on the various products and services we review to determine how helpful they are to potential new users.
Our Top Choice
Most Popular Credit Card
9.6
- Annual Fee: /yr
- $100 annual hotel savings benefit
- No foreign transaction fees
Why Should You Get A Credit Card?
If you're considering getting a credit card, having one is essential, but choosing a good one that aligns with your spending habits and rewards you for using it is also crucial. Credit cards can offer a range of benefits, including convenience, the ability to build credit, and rewards for every dollar you spend. However, not all credit cards are created equal, and some can come with high fees or interest rates that can lead to debt if not managed properly.
To make the most of your credit card, look for one that offers rewards or benefits that you'll actually use. For example, if you travel frequently, consider a credit card that offers points or miles for every dollar you spend, which can be redeemed for flights or hotel stays.
Alternatively, if you prefer cash back, look for a credit card that offers a high percentage of cash back on the purchases you make most often.
Choosing a credit card that doesn't charge unnecessary fees, such as annual or high interest rates, is also crucial. By researching and comparing credit cards, you can find one that aligns with your needs and budget. With the right credit card, you can enjoy the benefits of convenience, rewards, and good credit while avoiding unnecessary fees and debt.
Which Credit Card Is Right For You?
Top 5 Benefits Of A Credit Card
- Convenience: Credit cards are a convenient way to make in-store and online purchases. With a credit card, you don't need to carry cash or worry about finding an ATM.
- Building credit: Using a credit card responsibly can help you build a good credit history. This can be important if you plan to apply for a loan or a mortgage.
- Rewards: Many credit cards offer rewards such as cash back, points, or miles for every dollar you spend. These rewards can add up over time and provide a benefit for using your credit card.
- Security: Credit cards can offer better security compared to using a debit card or cash. If your credit card is lost or stolen, you can easily report it to your issuer and not be responsible for any fraudulent charges.
- Emergency funds: A credit card can serve as an emergency fund if unexpected expenses arise. It's important to use a credit card responsibly and only for necessary expenses, but having access to credit can provide peace of mind in case of an emergency.
Top Credit Cards Overviews
1.
Overview
The Citi Premier® Card is a rewards credit card that offers 3X points per dollar spent on air travel, hotels, restaurants, and supermarkets. Despite its $95 annual fee, the benefits and rewards can offset the cost, including the no foreign transaction fees and the welcome bonus worth several hundred dollars in travel rewards. Additionally, the card offers several other perks, such as trip cancellation and interruption protection and access to exclusive experiences and events.
Pros
- High bonus categories
- Transfer Citi ThankYou® Rewards to 17+ partners
- $100 annual hotel savings benefit
Cons
- Has an annual fee
- Requires credit
- APR
2.
Overview
The Chase Freedom Unlimited® credit card lets you earn cash back rewards on all purchases, with unlimited 1.5% cash back and higher rates on specific categories like dining, drugstore purchases, and travel through Chase Ultimate Rewards. You'll also get a long intro APR period, no annual fee, and rewards that never expire as long as your account is open.
Pros
- High cash back rates
- annual fee
Cons
- Requires credit
- Foreign transaction:
- Need separate, higher-end Chase card to access transfer partners
3.
Overview
The Citi Custom Cash℠ Card is a no-fee credit card that allows cardholders to earn cash back rewards on their spending. The card offers a unique rewards structure that automatically adjusts to your spending habits, with 5% cash back on your top eligible spending category each billing cycle.
Pros
- No annual fees
- Intro APR period ()
- 5% bonus category
Cons
- Low cash back rate outside of 5% category
- Requires credit
