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Discover credit cards are built to give you great rewards and the service you deserve, from our flagship cash back credit cards to our flexible travel credit card. Compare credit cards to find which offer is right for you. Use our interest calculator to estimate your monthly payment.
This card offers superior points earning rates if you spend frequently on travel and dining out. The $300 travel credit justifies much of the annual fee, and redeeming points for travel on Chase Ultimate Rewards.
The Platinum Card is destined for frequent travelers who intend to fully leverage the rich set of luxury travel benefits and Platinum Concierge service. In the right hands, the classic status card's staggering annual fee is well justified.
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.
United's top-tier card offering ups its game with 4 miles per dollar earnings on United purchases. A suite of travel perks makes the card an even better value, with the United Club membership alone worth more than the annual fee.
The flagship card from Hilton, the Hilton Honors Aspire Card from American Express comes with a price tag to match its top-tier status and perks. It's a perfect fit for big spenders who haunt Hilton properties enough to leverage the rich suite of benefits that come with the complimentary Diamond status.
For a modest $95 annual fee, Hilton's mid-level card delivers remarkable value for those traveling several times per year. The 10 annual Priority Pass visits given with this card once enrolled are worth $299, plus you'll earn Hilton Honors Gold status.
Here's an excellent way for students with average or limited credit scores to gain experience managing credit. No annual fee, no penalty APR, plus up to 5% cashback rewards in rotating categories (up to a quarterly cap with enrollment, 1% back on other purchases) earn this card an \"A\" in our book.
In the secured credit world, the Discover it Secured Credit Card stands above the competition. With an unlimited 1% cash back rate on all purchases, plus 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter, no penalty APR and no annual fee, we love this card for those who need to rebuild their credit. The matching cash back reward at the end of your first year is a sweet bonus.
Other Benefits and Drawbacks: The Wells Fargo Active Cash Card offers cell phone protection when you pay your cell phone bill with the card each month. It charges a foreign transaction fee, so it is not a good choice for use abroad.
Other Benefits and Drawbacks: In addition to the ability to earn solid rewards, the Capital One Venture X Rewards Credit Card offers up to $300 back annually as statement credits for bookings through Capital One Travel and 10,000 bonus miles on each card anniversary.
In addition to offering the ability to earn valuable Ultimate Rewards points on purchases, the Chase Sapphire Reserve offers trip cancellation and interruption insurance for covered situations, trip delay insurance, lost baggage and baggage delay insurance, primary rental car insurance and more. All of these best-in-class protections helped this card top our list for the best travel rewards credit card.
Cardholders also receive up to $200 in airline incidental statement credits with the eligible airline they select each year (enrollment required), statement credits to cover, CLEAR, TSA PreCheck or Global Entry application fees and annual CLEAR membership, plus up to $200 annually in Uber Cash ($15 per month, plus a $20 bonus in December when your eligible card is linked to your Uber account, good for U.S. Uber Eats and rides).
The Wells Fargo Reflect Card has no annual fee and new cardholders get a best-in-class introductory period to pay down balances. Just remember that you only have 120 days to make the transfer before a higher balance transfer fee kicks in.
Other Benefits and Drawbacks: To get the absolute longest balance transfer window, make sure not to make a late payment. If you do, you may lose the three month extension offered for good payment behavior. The card also comes with up to $600 in cell phone protection when you pay your monthly bill with the card (subject to a $25 deductible) and access to roadside dispatch.
Other Benefits and Drawbacks: The Aeroplan card comes with the Air Canada benefits you expect from an airline card, like a free first checked bag, but adds access to reduced fee award redemptions, meaning you can stretch your miles as well as bumping up your earnings. It also has a comprehensive set of travel insurances, auto rental coverage and purchase protection.
Other Benefits and Drawbacks: While the Hilton Aspire card earns more points per dollar than some other cards on this list, hotel points are generally not as valuable as airline miles or flexible rewards points. That said, the Hilton Aspire Card packs in the benefits.
In addition to hotel perks, cardholders also receive a complimentary Priority Pass Select airport lounge membership with enrollment and up to $250 in airline fee statement credits for incidental purchases at an eligible airline you select each year.
If you visit Hilton properties occasionally, but you still want Hilton benefits and more points on paid stays, consider the Hilton Honors American Express Surpass Card*. This card offers fewer perks than the Hilton Honors Aspire Card from American Express* in exchange for a much lower annual fee, but you can still earn a generous welcome bonus.
Other Benefits and Drawbacks: The Hilton Honors American Express Surpass Card* is a toned-down version of the Aspire card with a lower annual fee and fewer benefits. The card does get you some perks including automatic Hilton Gold status which is good enough for most casual travelers as it offers a breakfast benefit or food and beverage credits at participating hotels in addition to upgrades and late checkout when available.
The Discover it Student Cash Back offers a unique combination of strong earning rates and a welcome bonus not typically seen in student cards. If leveraged properly, cardholders can earn some serious cash back.
Other Benefits and Drawbacks: Discover is not as widely accepted as Mastercard, Visa or even American Express if you plan to use it overseas. This is a drawback for students who travel or study abroad. The quarterly bonus categories may or may not fit how you spend, meaning you might not maximize your earning potential every single quarter and you need to remember to activate the bonus each quarter.
Other Benefits and Drawbacks: In addition to amped-up earnings on groceries, you get access to Amex Offers. The offer savings could add up quickly as long as you remember to activate and use them. The card also offers return protection and car rental loss and damage insurance.
The most important thing to remember when looking at credit cards is that the best card for you is the one that meets your needs. Our list is meant to be a guideline, but be sure to think about where and how much you spend before hitting the apply button.
Forbes Advisor evaluated over 100 credit cards in 2023 within their respective categories, including cash-back credit cards, travel cards, flexible rewards cards, business credit cards, student cards and cards with 0% APR offers.
These factors allowed us to compare cards objectively. Important characteristics were weighted more heavily than features only some cardholders may use in order to develop a star rating between 1 and 5, where a score of 5 is the best. These scores allowed us to rank them based on their terms and features and select the top-performing cards of 2023 for this list.
Most credit cards calculate interest using the average daily balance method, which means your interest is compounded and accumulates every day, based on your daily rate of interest. In other words, every day your finance charges are based on the balance from the day before.
Having more than one or two credit cards can be a good fit for most people, as a credit card allows you to establish credit history. A good credit history over time will save you money as it can help you qualify for lower rates on other types of loans, like mortgages, auto loans or student loans. Since many rewards cards offer tiered rewards in different areas of spending, for someone with a careful strategy of pairing rewards cards, it can be more beneficial than just one card.
Choosing the best credit cards for your particular circumstances should be based on a combination of factors including your credit score, your tolerance for annual fees, what perks you might be seeking and how any rewards fit with your spending habits.
If a card offers rewards on your spending, make sure that the areas where it offers the best rewards are a match for your spending habits. Someone without a car is unlikely to benefit from high rewards on gas, for example. While those who rarely dine out or get take-out will likely fare better with a card that offers elevated rewards on groceries rather than dining.
Many credit cards offer perks and benefits beyond the ability to earn rewards. Premium travel cards may offer exclusive airport lounge access, free checked baggage and airline incidental credits. Many cards on the market offer other perks like extended warranty protections and other travel protections and insurances. Even cards without an annual fee may offer several money-saving benefits.
The best travel credit card of 2023 will vary based on the kind of traveler you are. If you like to play license plate ABC, check out our best cards for road trips. If you prefer your travels at 35,000 feet, check out the best airline credit cards of 2023. 59ce067264
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