What are the 5 best credit cards? This question is about Best Credit Cards of 2023

The 5 best credit cards are Chase Freedom Unlimited®, the Wells Fargo Reflect, the Chase Sapphire Preferred® Card, the Capital One Venture Rewards Credit Card, and the Blue Cash Preferred® Card from American Express. Among their key features are lucrative bonuses, 0% intro APRs, and stellar ongoing rewards. The best credit cards overall typically require above-average credit for approval, too. The 5 Best Credit Cards Best Overall: Chase Freedom Unlimited®Chase Freedom Unlimited®Learn MoreLearn Moreon issuer's websiteRates & FeesBest for 0% Intro APR: Wells Fargo Reflect® CardWells Fargo Reflect® CardLearn MoreLearn Moreon issuer's websiteBest for Travel: Chase Sapphire Preferred® CardChase Sapphire Preferred® CardLearn MoreLearn Moreon issuer's websiteBest Initial Bonus: Capital One Venture Rewards Credit CardCapital One Venture Rewards Credit CardLearn MoreLearn MoreRates & FeesTerms ApplyBest for Ongoing Rewards: Blue Cash Preferred® Card from American ExpressBlue Cash Preferred® Card from American ExpressLearn MoreLearn Moreon issuer's website At the end of the day, the best credit card for you is the one that best fits your lifestyle and how you plan to use the card. For more options, check out WalletHub’s complete list of the Best Credit Cards overall. You can also try WalletHub’s free CardAdvisor tool, which will generate personalized recommendations based on your priorities and spending preferences.

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What are the 5 best credit cards?

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This question is about Best Credit Cards of 2023

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Chip Lupo, Credit Card Writer

@CLoop • 07/01/22 This answer was first published on 06/29/21 and it was last updated on 07/01/22.For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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The 5 best credit cards are Chase Freedom Unlimited®, the Wells Fargo Reflect, the Chase Sapphire Preferred® Card, the Capital One Venture Rewards Credit Card, and the Blue Cash Preferred® Card from American Express. Among their key features are lucrative bonuses, 0% intro APRs, and stellar ongoing rewards. The best credit cards overall typically require above-average credit for approval, too.

The 5 Best Credit Cards

Best Overall: Chase Freedom Unlimited®Chase Freedom Unlimited®Learn MoreLearn Moreon issuer's website
Rates & FeesBest for 0% Intro APR: Wells Fargo Reflect® CardWells Fargo Reflect® CardLearn MoreLearn Moreon issuer's website
Best for Travel: Chase Sapphire Preferred® CardChase Sapphire Preferred® CardLearn MoreLearn Moreon issuer's website
Best Initial Bonus: Capital One Venture Rewards Credit CardCapital One Venture Rewards Credit CardLearn MoreLearn More
Rates & FeesTerms ApplyBest for Ongoing Rewards: Blue Cash Preferred® Card from American ExpressBlue Cash Preferred® Card from American ExpressLearn MoreLearn Moreon issuer's website

At the end of the day, the best credit card for you is the one that best fits your lifestyle and how you plan to use the card. For more options, check out WalletHub’s complete list of the Best Credit Cards overall. You can also try WalletHub’s free CardAdvisor tool, which will generate personalized recommendations based on your priorities and spending preferences.

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What are the four best credit cards to have?

The four best credit cards to have are Chase Freedom Unlimited®, the Chase Sapphire Preferred® Card, the Wells Fargo Reflect® Card and the Amazon.com Credit Card. These cards in combination give you great rewards on all purchases, initial bonuses, and good financing opportunities.

When it comes to rewards, it’s good to have both a cash back card for everyday purchases and another card with rewards tailored to one or more of your biggest spending categories – ... read full answer travel, for example. The two Chase cards work together very well because you can transfer points between them to maximize your redemption value. In addition, the Amazon.com Credit Card provides extra value at the biggest online retailer, and the Wells Fargo Reflect® Card is good for big purchases that you need to pay off over time.

Four Best Credit Cards to Have

Cash Back: Chase Freedom Unlimited®Chase Freedom Unlimited®Learn MoreLearn Moreon issuer's website
Travel: Chase Sapphire Preferred® CardChase Sapphire Preferred® CardLearn MoreLearn Moreon issuer's website
Rates & FeesIntroductory 0% APR: Wells Fargo Reflect® CardWells Fargo Reflect® CardLearn MoreLearn Moreon issuer's website
Amazon Purchases: Amazon.com Credit CardAmazon.com Credit CardLearn MoreLearn More

It’s important to note that you will need good to excellent credit to get the best credit cards, especially when it comes to getting approved for more than one. Also, make sure not to apply for four cards at once – always wait at least 6 months in between applications to give your credit score time to recover.

You can see more of the best credit cards on WalletHub. You can also join WalletHub for free to get recommendations for the best credit cards for you.

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What is the best credit card overall?

The best credit card overall is the Chase Freedom Unlimited®. This card has a $0 annual fee, a low introductory APR, and excellent rewards. Overall, Chase Freedom Unlimited has a rating of 5/5 from WalletHub editors.

Here’s What The Chase Freedom Unlimited Card Offers

$0 annual fee
0% for 15 months on purchases (19.49% - 28.24% (V) regular APR)
5% cash back on travel through Chase, 3% back at restaurants and drugstores, and 1.5% back on all other purchases (plus an additional 1.5% cash back on everything, up to $20,000 spent the first year)
Chase Freedom Unlimited editor’s rating of 5/5... read full answer

There are plenty of other contenders for the title of best credit card overall, however. Credit cards are not one-size-fits-all, either. Which card is best really depends on your credit standing, current debt situation, and whether or not you’re going to pay your monthly bills in full.

Fortunately, there are some rules of thumb you can follow to find the best overall credit card for your needs.

Tips for Getting the Best Credit Card for Your Needs

The lower your credit score is, the more important it is to get a credit card with no annual fee.

If you have existing credit card debt or are planning a big-ticket purchase that will take months to pay off, try to find a card with a 0% intro APR and no balance-transfer fee, if applicable. Avoiding annual fees is important in this situation, too.

If you have good or excellent credit and plan to pay in full every month, your goal should be to find the best possible rewards for your spending habits.

No matter your specific situation, there are a few easy ways to find the right credit card. For starters, you can check out our editors’ picks for the market’s best overall credit cards right now, selected from more than 1,500 credit card offers.

You can also sign up for a free WalletHub account and get a personalized recommendation. Or, you can try our free CardAdvisor tool to get anonymous recommendations based on your answers to a few simple questions.

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What are the top 3 credit cards?

The top 3 credit cards to have are Chase Freedom Unlimited®, the Capital One Venture X Rewards Credit Card, and the Wells Fargo Reflect® Card. Having these cards in your wallet gives you access to great cash back rewards, travel rewards and 0% financing.

Of these three cards, the best all-around option is Chase Freedom Unlimited®. It has a $0 annual fee and offers 1.5 - 5% cash back, along with an introductory APR of 0% for 15 months on purchases. To qualify for this card, you need at least good credit.... read full answer

Top 3 Credit Cards in 2023

Overall: Chase Freedom Unlimited®Chase Freedom Unlimited®Learn MoreLearn Moreon issuer's website
Travel Rewards: Capital One Venture X Rewards Credit CardCapital One Venture X Rewards Credit CardLearn MoreLearn More
Rates & Fees0% APR: Wells Fargo Reflect® CardWells Fargo Reflect® CardLearn MoreLearn Moreon issuer's website

Of course, the top 3 credit cards in general won’t necessarily be the top 3 credit cards for everyone, especially people who have limited, bad or fair credit. You can check out WalletHub’s picks for the best credit cards to see the top offers for people of all credit levels.

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WalletHub members have a wealth of knowledge to share, and we encourage everyone to do so while respecting our content guidelines. This question was posted by WalletHub. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not a financial institution’s responsibility to ensure all posts and questions are answered.

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