Discover The Finest Credit Cards Of August 2023
Rewards, Premier Offers & Reviews
Written By: Nick Williamson
Edited By: Tracy Stewart
Reviewed By: Jason Steele
July 31, 2023
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Credit cards are a secure payment method that give cardholders access to a line of credit they can borrow from and pay back over time. When used responsibly, they’re a great credit-building tool that can help establish credit, build a positive credit history and help you save money down the road if you need a loan for something like a car or home.
The best credit cards are particularly worth it because they provide long-term value with rewards and perks that aren’t found with other payment methods.
BEST FOR FAIR CREDIT
Credit One Bank American Express® Card
see rates & fee
Recommended credit
580-740 (Fair to Good)
Rewards rate
1%
Earn unlimited 1% cash back rewards on all purchases, terms apply.
Intro offer
No current offer
Annual fee
$39
Regular APR
29.24% variable
Read the full review
Pros
- Flat-rate rewards on all purchases and exclusive benefits as an American Express-branded card, which make it easier to recoup the annual fee.
- Fewer card term restrictions, rates and fees than other Credit One cards for less than perfect credit
Cons
- $39 annual fee
- Several cards eligible with the same limited credit score offer better rates and features
Bottom Line
As far as Credit One cards go, the issuer’s Amex-branded card offers deeper rewards and benefits, but other issuers’ rival cards may still be stronger options.
Highlights
- Earn unlimited 1% cash back rewards on all purchases, terms apply.
- $0 Fraud Liability ensures you won’t be responsible for unauthorized charges
- Retail Protection covers you if an eligible item is accidentally damaged or stolen, terms apply
- Get deals on shopping, dining, travel, and entertainment through Amex Offers
- Enjoy exclusive access to pre-sale tickets for some of the hottest nationwide concerts and events
- Know you’re covered when the unexpected happens while traveling with Travel Accident Insurance, terms apply
- If you are a Covered Borrower under the Military Lending Act, you may get a different offer
Rates & Fees
Annual Fee
$39
Intro Purchase APR
N/A
Regular APR
29.24% Variable
Intro Balance Transfers APR
N/A
View All Credit One Bank American Express® Card Details
BEST FOR REWARDS
Credit One Bank® Platinum X5 Visa®
see rates & fee
Recommended credit
580-740 (Fair to Good)
Rewards rate
5%
Get 5% cash back rewards on the first $5,000 of eligible gas, grocery, internet, cable, satellite TV, and mobile phone service purchases each year, and then 1% thereafter.
1%
1% cash back rewards on all other purchases. Terms Apply.
Intro offer
No current offer
Annual fee
$95
Regular APR
29.24% variable
Read the full review
Pros
- The highest rewards rate of any Credit One card, which is also admirable for cash back cards in general
- The Credit One more Rewards and Visa Offers + Perks programs may net a little more cash back and online shopping discounts from time to time.
Cons
- $95 annual fee
- Credit One’s hybrid prequalification application means you might not receive this card without “good” credit; with a score like that, other unsecured cards may be a better long-term value
Bottom Line
It offers the issuer’s highest rewards rate, but the $95 annual fee, dicey card terms and higher credit need to likely qualify make other cards safer picks.
Highlights
- Get 5% cash back rewards on the first $5,000 of eligible gas, grocery, internet, cable, satellite TV, and mobile phone service purchases each year, and then 1% thereafter. Plus 1% cash back rewards on all other purchases, terms apply
- Zero Fraud Liability protects you from unauthorized charges
- Free Online Credit Score and Credit Report summary, terms apply
- Automatically earn More Cash Back Rewards for using your Credit One Bank card at participating merchants, terms apply
- If you are a Covered Borrower under the Military Lending Act, you may get a different offer
Rates & Fees
Annual Fee
$95
Intro Purchase APR
N/A
Regular APR
29.24% Variable
Intro Balance Transfers APR
N/A
View All Credit One Bank® Platinum X5 Visa® Details
BEST FOR NO ANNUAL FEE
Credit One Bank® Platinum Rewards Visa® With No Annual Fee
see rates & fee
Recommended credit
670-850 (Good To Excellent)
Rewards rate
2%
2% cash back rewards on eligible gas and grocery purchases as well as mobile phone, internet, cable and satellite TV services. Terms apply.
Intro offer
No current offer
Annual fee
$0
Regular APR
29.24% variable
Read the full review
Pros
- No annual fee, so you can keep a larger chunk of your rewards
- Unlimited 2% cash back on select day-to-day categories
Cons
- Unlike other Credit One cards, it requires a prime credit score like leading rewards cards do – meaning you could apply for major issuers’ most popular rewards cards instead
- No flat-rate 1% cash back on purchases outside your bonus categories
Bottom Line
Unlimited 2% cash back on key categories with no yearly fee may offer Credit One’s top rewards, but its requirements and missing flat-rate rewards hobble it versus other issuers.
Highlights
- No annual fee for qualified applicants. Terms apply.
- Get 2% cash back rewards on eligible gas and grocery purchases as well as mobile phone, internet, cable, and satellite TV services. Terms apply.
- Choose your monthly payment due date for added convenience. Terms apply.
- Free Online Credit Score and Credit Report summary, terms apply
- Enjoy peace of mind with $0 Fraud Liability.
- Stay in-the-know with customizable account alerts via email and text.
- Manage your account on-the-go with the Credit One Bank mobile app.
- If you are a Covered Borrower under the Military Lending Act, you may get a different offer
Rates & Fees
Annual Fee
$0
Intro Purchase APR
N/A
Regular APR
29.24% Variable
Intro Balance Transfers APR
N/A
View All Credit One Bank® Platinum Rewards Visa® with No Annual Fee Details
BEST FOR CASH BACK
Credit One Bank® Platinum Visa®
See Rates & Fees
Rewards Rate
4%
Receive 1% cash back rewards on eligible gas and grocery purchases as well as mobile phone, internet, cable and satellite TV services. Terms apply.
Intro offer
No current offer
Annual fee
$39
Regular APR
29.24% variable
highlights
- Receive 1% cash back rewards on eligible gas and grocery purchases as well as mobile phone, internet, cable and satellite TV services. Terms apply.
- Enjoy peace of mind with $0 Fraud Liability.
- Free Online Credit Score and Credit Report summary, terms apply
- Make paying your bill easier with the ability to choose your payment due date, terms apply.
- Access your account on-the-go with the Credit One Bank mobile app.
- Never miss an account update with customizable text and email alerts.
Rates & Fees
Annual Fee
$39
Intro Purchase APR
N/A
Regular APR
29.24% Variable
Intro Balance Transfers APR
N/A
View All Credit One Bank® Platinum Visa® Details
Pros
- Unlimited 1% cash back on eligible gas, grocery, mobile phone service, internet service and cable/satellite TV purchases
- Carries “traditional” Visa card benefits, plus the Credit One More Rewards and Visa Offers + Perks programs
Cons
- $39 annual fee and its rewards aren’t flat-rate, so the fee might be harder to justify
- It has the same dense terms and fees as other Credit One cards, but the issuer’s American Express card has a better rewards and benefit structure for the same credit score requirement
Our Methodology And Research
3,476
Credit Cards
Analyzed
Analyzed
600
Banks
Analyzed
Analyzed
Criteria Used
Rates and fees, rewards rates, sign-up bonuses, redemption options, credit needed, miscellaneous benefits, customer service, security, ease of application.