What is the best credit card overall?

One of the best cash back credit cards for excellent credit is the Wells Fargo Active Cash® Card because it offers 2% cash rewards on all purchases, plus $200 cash rewards after spending $1,000 in the first 3 months. Wells Fargo Active Cash also has a $0 annual fee.

The very best card for you will depend on the types of purchases that you plan to charge to your credit card, along with which secondary features you value most. Some cash back credit cards offer rewards at a flat rate on all purchases, while others give more cash back in certain spending categories. Some also offer initial rewards bonuses, while others have low intro APRs.… read full answer

Best Cash Back Credit Cards for Excellent Credit in 2023

The best cash back credit cards for excellent credit are the market’s best overall cash rewards cards. To be clear, not all the cards listed above require excellent credit at a minimum. Some are available to people with good credit, too. People with excellent credit scores simply have the pick of the litter.

Finally, when using one of these cards, it’s best not to carry a balance between months (unless you get a 0% APR card). If you carry a balance and the card’s regular APR is in effect, your savings from rewards will be diminished by interest.

The best flat-rate cash back credit card is the Wells Fargo Active Cash® Card. This card offers 2% cash rewards on every purchase. Plus, it gives an initial bonus of $200 cash rewards after spending $1,000 in the first 3 months. Wells Fargo Active Cash comes with a $0 annual fee, too.

The Wells Fargo Active Cash® Card is also a great card for saving on interest, offering an intro APR of 0% for 15 months from account opening on qualifying balance transfers on purchases and balance transfers. Just note that you need good credit or better for approval.… read full answer

Best Flat-Rate Cash Back Credit Cards

All of these credit cards offer cash back at an above-average rate on every purchase, and none have spending categories that earn more or less rewards than others. Some of the cards require good credit or better for approval. But people with lower scores have options, too.

The best cash back travel credit card is the Capital One Savor Cash Rewards Credit Card. This card offers 5% on hotels and rental cars booked through Capital One Travel. Plus, it comes with a $0 foreign transaction fee and an initial bonus of $300 for spending $3,000 in the first 3 months. Capital One Savor’s annual fee is $95.

You should note that rewards credit cards… read full answer aren't generally suited for both cash back and travel. But there are a few credit cards that offer cash back for travel purchases.

Here are some of the best cash back travel credit cards:

If you’re after a credit card specifically tailored for travel rewards, then you shouldn't be restricting your search to cash back cards. You should also consider what regular travel credit cards have to offer.