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Best Credit Cards Of February 2023

Rating: 4.2 · 4,618 reviews

No single credit card is the best option for every family, every purchase or every budget. For this reason, Forbes Advisor has chosen the best credit cards in a way designed to be the most helpful to the widest variety of readers. Rather than selecting the “best credit card” and ranking the next nine options, we highlighted the best cards for a variety of situations.

The most popular reason for people to use credit cards is to build credit, with 47% of credit card holders naming this as their primary reason, according to a December 2022 Forbes Advisor survey. However, the survey also found that only 53% of participants knew the interest rates on their credit cards. Not knowing the interest rate can hinder credit building efforts. Finding the right card for your needs should be one of the first steps in your credit journey.

Top Cash-Back Credit Cards

1. Chase Freedom Flex

This card has the brawn to handle just about all of your credit card spending needs without an over-inflated price tag. The card has an annual fee of $0, yet comes with a pumped-up earnings structure that covers a wide swath of expenses including travel, drugstores and dining plus rotating quarterly bonus categories in areas many households are likely to find appealing.


  • No Annual Fee
  • Rotating quarterly categories earn 5% rewards when activated, up to a combined quarterly $1,500 maximum
  • Travel rewards rate rivals some of the best premium travel cards
  • Generous rewards rate in several other categories


  • Travel bookings must be made through Chase Ultimate Rewards® to earn 5% cash back
Card Details
  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
  • 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
  • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.24% – 27.99%.
  • No annual fee – You won’t have to pay an annual fee for all the great features that come with your Freedom Flex card
  • Keep tabs on your credit health – Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.

2. Wells Fargo Active Cash Card

Top 0% APR Credit Cards

The Wells Fargo Active Cash offers an unlimited 2% cash rewards rate on purchases and charges no annual fee. This puts it in competition with the best flat-rate cash back cards on the market.


  • Unlimited 2% cash rewards on purchases
  • $0 annual fee
  • Cell phone protection benefit


  • There’s a balance transfer fee
  • There’s a foreign transaction fee
  • No travel transfer partners
Card Details
  • Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months
  • Earn unlimited 2% cash rewards on purchases
  • 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 19.49%, 24.49%, or 29.49% variable APR; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5
  • $0 annual fee
  • No categories to track or remember and cash rewards don’t expire as long as your account remains open
  • Enjoy a premium collection of benefits at a selection of the world’s most intriguing and prestigious hotel properties with Visa Signature Concierge
  • Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible).
  • Select “Apply Now” to learn more about the product features, terms and conditions

3. Top Travel Rewards Credit Cards

Capital One Venture X Rewards Credit Card

Capital One’s most premium travel card is packed with extras that put it firmly in competition with other upscale credit cards, but at an annual fee that leaves the others far behind.


  • Annual fee lower than others in its category
  • Annual travel credit and anniversary miles alone could justify the annual fee
  • Miles are easy to earn and easy to use


  • Lack of domestic airline and upscale hotel travel partners
  • Capital One lounge network in its infancy
  • Lack of hotel status benefits
Card Details
  • Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
  • Receive up to $300 back annually as statement credits for bookings through Capital One Travel, where you’ll get Capital One’s best prices on thousands of options
  • Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel
  • Earn unlimited 2X miles on all other purchases Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
  • Receive up to a $100 credit for Global Entry or TSA PreCheck
  • Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs


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