The Best Credit Card Reviews of January 2023


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Credit cards are one of the most powerful tools you can wield in life. Responsible use can result in a good credit score which opens the door to auto loans, mortgages, and even favorable health insurance. Some of the most important things in life are made possible thanks to credit cards.

There are dozens of credit cards to choose from. Whether you’re after cash back, free hotel stays, super cheap airfare, a tool to help grow your small business, or even if you’ve got poor/no credit and would like to improve your credit score, there’s a card for you.

Insider’s ultimate credit card reviews guide will help you find the exact product you’re looking for. 

Wells Fargo Wells Fargo Active Cash® Card

Wells Fargo Active Cash® Card


Intro offer

$200 cash rewards bonus after spending $1,000 in purchases in the first three months from account opening


Rewards

Earn unlimited 2% cash rewards on purchases.

Wells Fargo Wells Fargo Active Cash® Card

Wells Fargo Active Cash® Card


Intro offer

$200 cash rewards bonus after spending $1,000 in purchases in the first three months from account opening


Rewards

Earn unlimited 2% cash rewards on purchases.


Rewards

Earn unlimited 2% cash rewards on purchases.


Intro offer

$200 cash rewards bonus after spending $1,000 in purchases in the first three months from account opening


Recommended Credit

Good to Excellent


Regular Annual Percentage Rate (APR)

19.24%, 24.24%, or 29.24% Variable


Intro Annual Percentage Rate (APR)

0% intro APR on purchases and qualifying balance transfers for 15 months from account opening

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PFI Newsletter Illustrations credit card with coins that have a US dollar symbol

Cash-back credit cards can earn you anywhere from 1% to 10% back on your everyday spending.

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In terms of flexibility, cash back is the king of credit card rewards. Many cash back credit cards give you the option to redeem your accrual as either cash, a statement credit, or a transfer to your bank account.

Flat-rate cash-back cards are best for those who don’t want to keep track of multiple bonus categories and just want a simple earning structure. But choosing a card that earns bonus cash back in categories where you spend a lot — like groceries, dining, or gas — can make a huge difference in your rate of return.

Best cash back credit cards

This table reflects our current picks from the best cash-back credit cards guide.

Other cash back credit cards

Capital One Capital One Venture X Rewards Credit Card

Capital One Venture X Rewards Credit Card


Intro offer

75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening


Rewards

Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel. Earn 5X miles on flights booked through Capital One Travel. Earn unlimited 2X miles on all other purchases.

Capital One Capital One Venture X Rewards Credit Card

Capital One Venture X Rewards Credit Card


Intro offer

75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening


Rewards

Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel. Earn 5X miles on flights booked through Capital One Travel. Earn unlimited 2X miles on all other purchases.


Rewards

Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel. Earn 5X miles on flights booked through Capital One Travel. Earn unlimited 2X miles on all other purchases.


Intro offer

75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening


Recommended Credit

Excellent


Regular Annual Percentage Rate (APR)

21.24% – 28.24% Variable

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PFI Newsletter Illustrations credit card with coins, and airplane for travel rewards

Airline credit cards aren’t just for earning airline miles; most come with additional perks like free checked bags and priority boarding.

Alyssa Powell/Insider



If you want to use travel rewards to save money on flights, an airline credit card is a must. You can choose between credit cards that earn airline miles, or cards that earn more flexible rewards points that you can transfer to various frequent flyer programs.

Airline cards also often come with valuable ongoing benefits like a free checked bagpriority boarding, or even airport lounge access.

Best airline credit cards

This table reflects our current picks from the best airline credit cards guide.

Other airline credit cards

Chase Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card


Intro offer

60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening


Rewards

Earn 5x points on all travel purchased through Chase Ultimate Rewards. Earn 3x points on dining, including eligible delivery services, takeout, and dining out. Earn 3x points on select streaming services. Earn 3x points on online grocery purchases (excluding Target, Walmart, and wholesale clubs). Earn 2x points on other travel. Earn 1x point per dollar on everything else.

Chase Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card


Intro offer

60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening


Rewards

Earn 5x points on all travel purchased through Chase Ultimate Rewards. Earn 3x points on dining, including eligible delivery services, takeout, and dining out. Earn 3x points on select streaming services. Earn 3x points on online grocery purchases (excluding Target, Walmart, and wholesale clubs). Earn 2x points on other travel. Earn 1x point per dollar on everything else.


Rewards

Earn 5x points on all travel purchased through Chase Ultimate Rewards. Earn 3x points on dining, including eligible delivery services, takeout, and dining out. Earn 3x points on select streaming services. Earn 3x points on online grocery purchases (excluding Target, Walmart, and wholesale clubs). Earn 2x points on other travel. Earn 1x point per dollar on everything else.


Intro offer

60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening


Recommended Credit

Good to Excellent

Recommended credit score. Note that credit card lenders may use many different variations of credit score models when considering your application.

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Regular Annual Percentage Rate (APR)

20.24% – 27.24% Variable

Editor’s Rating

4.8/5

Our editor’s ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available.

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PFI Newsletter Illustrations car surrounded by tower of coins (buying a car/taking out a car loan)

Travel and flexible points credit cards can help you earn rewards you can use for almost any kind of adventure.

Alyssa Powell/Insider



While it takes more effort to redeem points or miles compared to cash back, the upside is that you can get much more value for your points compared to simply cashing in your rewards for a statement credit or check at a rate of 1 cent per point. 

In fact, it’s possible to receive double, triple, or even more than that amount when you’re strategic about how you redeem your rewards for travel, particularly if you book expensive luxury hotels or first-class flights.

Best travel credit cards

This table reflects our current picks from the best travel rewards credit cards guide.

Other travel credit cards


Chase Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card


Intro offer

60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening


Rewards

Earn 5x points on all travel purchased through Chase Ultimate Rewards. Earn 3x points on dining, including eligible delivery services, takeout, and dining out. Earn 3x points on select streaming services. Earn 3x points on online grocery purchases (excluding Target, Walmart, and wholesale clubs). Earn 2x points on other travel. Earn 1x point per dollar on everything else.

Chase Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card


Intro offer

60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening


Rewards

Earn 5x points on all travel purchased through Chase Ultimate Rewards. Earn 3x points on dining, including eligible delivery services, takeout, and dining out. Earn 3x points on select streaming services. Earn 3x points on online grocery purchases (excluding Target, Walmart, and wholesale clubs). Earn 2x points on other travel. Earn 1x point per dollar on everything else.


Rewards

Earn 5x points on all travel purchased through Chase Ultimate Rewards. Earn 3x points on dining, including eligible delivery services, takeout, and dining out. Earn 3x points on select streaming services. Earn 3x points on online grocery purchases (excluding Target, Walmart, and wholesale clubs). Earn 2x points on other travel. Earn 1x point per dollar on everything else.


Intro offer

60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening


Recommended Credit

Good to Excellent

Recommended credit score. Note that credit card lenders may use many different variations of credit score models when considering your application.

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Regular Annual Percentage Rate (APR)

20.24% – 27.24% Variable

Editor’s Rating

4.8/5

Our editor’s ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available.

Show more

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PFI Newsletter Illustrations for group finances on vacation: Cocktail in glass with straw and small umbrella, surrounded by falling coins

Hotel credit cards often comes with additional benefits like automatic elite status and free nights on your card anniversary.

Alyssa Powell/Insider



If you’re thinking about opening a hotel credit card, the first step is to analyze your travel goals.

Are you a road-tripper who wants to book cheap hotels along the highway? Do you mostly use small-town hotels during trips to grandma’s for Thanksgiving? Do you want a five-star vacation in the Maldives?

It’s also important to consider the card’s welcome bonus, recurring benefits, ease of earning free nights via credit card spending, category bonuses, and elite status perks (if any).

The best hotel credit cards offer a free night after each account anniversary or for meeting spending thresholds. These nights can be worth much more than the cards’ annual fees, and make them worth keeping year after year.

Best hotel credit cards

This table reflects our current picks from the best hotel credit cards guide.

Other hotel credit cards

American Express American Express Blue Business Cash™ Card

American Express Blue Business Cash™ Card


Intro offer

$250 statement credit after you spend $3,000 in purchases on your card in your first 3 months


Rewards

Earn 2% cash back on everyday eligible business purchases (on up to $50,000 per year in purchases, then 1%). Earn 1% cash back on all other purchases.

American Express American Express Blue Business Cash™ Card

American Express Blue Business Cash™ Card


Intro offer

$250 statement credit after you spend $3,000 in purchases on your card in your first 3 months


Rewards

Earn 2% cash back on everyday eligible business purchases (on up to $50,000 per year in purchases, then 1%). Earn 1% cash back on all other purchases.

On American Express’s website


Rewards

Earn 2% cash back on everyday eligible business purchases (on up to $50,000 per year in purchases, then 1%). Earn 1% cash back on all other purchases.


Intro offer

$250 statement credit after you spend $3,000 in purchases on your card in your first 3 months


Recommended Credit

Good to Excellent


Regular Annual Percentage Rate (APR)

17.49% – 25.49% Variable


Intro Annual Percentage Rate (APR)

0% intro APR on purchases for 12 months from account opening

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PFI Newsletter Illustrations stack of coins (US dollar sign)

Whether you own a large corporation or have a part-time side gig, opening a small business credit card is a smart move.

Alyssa Powell/Insider



You’d be surprised at what qualifies you for a small business credit card. Small businesses aren’t always multi-million dollar operations — whether you’re a freelancer, an Uber driver, a dog-walker, or have any other side hustle, you could qualify for a small business credit card.

If you’ve got a sizable business, keeping your personal and business finances separate is vital. Things can get murky quickly when you’re cutting personal and business checks from the same account — a business credit card will not only help separate expenses, but also help you establish business credit, so that you have flexibility later on with loans and leases.

Best small business credit cards

This table reflects our current picks from the best small business credit cards guide.

Other small business credit cards

Discover Discover it® Secured Credit Card

Discover it® Secured Credit Card


Intro offer

Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year


Rewards

Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Earn 1% unlimited cash back on all other purchases

Discover Discover it® Secured Credit Card

Discover it® Secured Credit Card


Intro offer

Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year


Rewards

Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Earn 1% unlimited cash back on all other purchases


Rewards

Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Earn 1% unlimited cash back on all other purchases


Intro offer

Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year


Recommended Credit

New/Rebuilding

Recommended credit score. Note that credit card lenders may use many different variations of credit score models when considering your application.

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Regular Annual Percentage Rate (APR)

27.24% Variable

Editor’s Rating

5/5

Our editor’s ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available.

Show more

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PFI Illustrations credit cards with coins and credit score

If you’re new to credit or rebuilding your score, a credit card for bad/no credit is a good starting point.

Alyssa Powell/Insider



Having a low credit score makes it harder to get approved for a new credit card and other types of loans, and it means that when you do get approved for, say, a mortgage, you’ll generally get less-favorable terms like the highest variable interest rates. A bad credit score is defined as anything below 580, according to the FICO scoring model.

It may seem counterintuitive, but opening and using a credit card responsibly is one of the best ways to build your credit history and score.

Best credit cards for poor/no credit

This table reflects our current picks from the best credit cards for bad credit guide.

Other credit cards for poor/no credit

Discover Discover it® Student Cash Back

Discover it® Student Cash Back


Intro offer

Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year


Rewards

Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Earn unlimited 1% cash back on all other purchases automatically.

Discover Discover it® Student Cash Back

Discover it® Student Cash Back


Intro offer

Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year


Rewards

Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Earn unlimited 1% cash back on all other purchases automatically.


Rewards

Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Earn unlimited 1% cash back on all other purchases automatically.


Intro offer

Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year


Recommended Credit

Fair/New to Credit

Recommended credit score. Note that credit card lenders may use many different variations of credit score models when considering your application.

Show more


Regular Annual Percentage Rate (APR)

17.24% – 26.24% Variable


Intro Annual Percentage Rate (APR)

0% intro APR for 6 months on purchases

Editor’s Rating

5/5

Our editor’s ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available.

Show more

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PFI Illustrations student credit card with graduation cap and pencil

College students can earn rewards and build their credit history by using a student credit card responsibly.

Alyssa Powell/Insider



Applying for your first credit card is an exciting milestone regardless of age, but young adults can find it hard to get approved with limited income and credit history. Some parents add their children as credit card authorized users while they’re still minors to get a head start on building credit, but this strategy isn’t a good fit for everyone.

If you’re a student without established credit, there are still plenty of credit cards that you can qualify for. Then, once you’ve improved your credit score by using a credit card responsibly, it can be easier to upgrade to more lucrative rewards credit cards.

Best student credit cards

This table reflects our current picks from the best student credit cards guide.



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