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.
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Everyday Cash Rewards

Cash Back Match

Unlimited cash back

Dining Rewards
BEST FOR EVERYDAY USE
Citi Rewards+® Card

See Rates & Fees
Rewards Rate
5X
2X
1X
Plus, for a limited time, earn 5 ThankYou® Points per $1 spent on hotel, car rentals and attractions booked on the Citi Travel℠ portal through June 30, 2024.
Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter.
Earn 1X ThankYou® Points on All Other Purchases.
Intro offer
20,000 points
Annual fee
$0
Regular APR
18.74% - 28.74% variable
Pros
- The intro APR on purchases makes it easy to finance a large purchase.
- There is no limit on the number of points you can earn and points never expire so long as your account remains active.
Cons
- Excluding the round-up feature, the base rewards rate is not as high as what’s offered by similar no-annual-fee cards.
- Unless you’re redeeming for travel or gift cards, point values can be underwhelming.
highlights
- Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com
- Plus, for a limited time, earn 5 ThankYou® Points per $1 spent on hotel, car rentals and attractions booked on the Citi Travel℠ portal through June 30, 2024.
- 0% Intro APR on balance transfers for 15 months from date of first transfer and on purchases from date of account opening. After that, the variable APR will be 18.74% – 28.74%, based on your creditworthiness. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
- Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases.
- The Citi Rewards+® Card – the only credit card that automatically rounds up to the nearest 10 points on every purchase – with no cap.
- No Annual Fee
Rates & Fees
Annual Fee
$0
Intro Purchase APR
0% intro for 15 months on Purchases
Regular APR
18.74% - 28.74% (Variable)
Intro Balance Transfers APR
0% intro for 15 months on Balance Transfers
View All Citi Rewards+® Card Details
BEST FOR AMERICAN AIRLINES FLYERS
Citi® / AAdvantage® Executive World Elite Mastercard®

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Rewards Rate
4%
1%
Earn 4x AAdvantage® miles for every $1 spent on eligible American Airlines purchases.
1 AAdvantage® miles for every $1 spent on other purchases
Intro offer
70,000 miles
Annual fee
$595
Regular APR
21.24% - 29.99% variable
Pros
- First checked bag is free on domestic American Airlines itineraries for you and up to 8 companions traveling with you on the same reservation.
- This card charges no foreign transaction fees.
Cons
- The introductory welcome offer has a high spend requirement, making it a little too expensive for most people to earn this welcome offer.
- The annual fee is high at $595, which could easily be recouped if you frequently fly American Airlines, especially considering that an annual fee for Admiral Club membership is $850.
highlights
- Earn 70,000 American Airlines AAdvantage® bonus miles after spending $7,000 within the first 3 months of account opening.
- Admirals Club® membership for you and access for up to two guests or immediate family members traveling with you
- No Foreign Transaction Fees on purchases
- Earn 1 Loyalty Point for every 1 eligible AAdvantage® mile earned from purchases
- First checked bag is free on domestic American Airlines itineraries for you and up to 8 companions traveling with you on the same reservation
Rates & Fees
Annual Fee
$595
Intro Purchase APR
N/A
Regular APR
21.24% - 29.99% (Variable)
Intro Balance Transfers APR
N/A
View All Citi® / AAdvantage® Executive World Elite Mastercard® Details
BEST FOR IHG HOTEL POINTS
IHG One Rewards Premier Credit Card

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Rewards Rate
26X
5X
3X
Earn up to 26 points total per $1 spent when you stay at IHG Hotels & Resorts
Earn 5 points per $1 spent on purchases on travel, at gas stations, and restaurants.
Earn 3 points per $1 spent on all other purchases
Intro offer
Earn 140,000 Bonus Points
Annual fee
$99
Regular APR
21.49% - 28.49% variable
Pros
- Points can be redeemed for reward nights as well as airfare with a multitude of partner carriers, merchandise, plus digital rewards and charitable donations.
- There are no blackout dates.
Cons
- Reward inventory is limited when redeeming for hotel stays.
- Besides hotel redemptions, rewards have a low value.
highlights
- Earn 140,000 Bonus Points
- Enjoy an Anniversary Free Night at IHG Hotels & Resorts. Plus, enjoy a reward night when you redeem points for a consecutive four-night IHG® hotel stay.
- Earn up to 26 points total per $1 spent when you stay at IHG Hotels & Resorts
- Earn 5 points per $1 spent on purchases on travel, at gas stations, and restaurants. Earn 3 points per $1 spent on all other purchases
- Automatic Platinum Elite status as long as you remain a Premier card member
- Global Entry, TSA PreCheck® or NEXUS Statement Credit of up to $100 every 4 years as reimbursement for the application fee charged to your card
- IHG One Rewards Bonus points are redeemable at Hotels & Resorts such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels & Holiday Inn®
- Member FDIC
Rates & Fees
Annual Fee
$99
Intro Purchase APR
N/A
Regular APR
21.49% - 28.49% Variable
Intro Balance Transfers APR
N/A
View All IHG One Rewards Premier Credit Card Details
BEST FOR GM FANS
My GM Rewards® Mastercard®

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Rewards Rate
7X
4X
Earn 7X total points for every $1 spent on GM purchases.
Earn 4X points for every $1 spent on all purchases.
Intro offer
15,000 points
Annual fee
$0
Regular APR
20.24% - 29.99% variable
Pros
- Its rewards rate on general purchases is perhaps the highest available, beating out the rate you’ll find even on the best flat-rate rewards cards.
- You can redeem points for GM car payments as well as parts, service and more at GM dealerships, making this a uniquely practical and lucrative option for GM owners and lessees.
Cons
- You’ll only get good value out of your points if you redeem them for GM-related purchases, so it’s not the most flexible option.
- The card’s sign-up bonus value is a bit lower than the value you’ll find on the best no-annual-fee rewards cards.
highlights
- Earn 15,000 bonus points after spending $1,000 in your first 3 months – that’s $150 in value when you redeem with GM.
- Earn 4X points for every $1 spent on all purchases, and 7X total points for every $1 spent on GM purchases. Points don’t expire as long as your account remains open.
- Points add up fast! For example, spending $12K per year on everyday purchases will earn 48,000 pts which is $480 in value toward future redemptions with GM.
- Looking for a new GM vehicle? Redeem unlimited points towards the purchase or lease of a new Chevrolet, Buick, GMC or Cadillac.
- Already have a GM vehicle? Use your points toward your GM Financial account, Certified Service, eligible Accessories, and more.
- No annual fee, no foreign transaction fees, or cash advance fees. Late fees may apply.
- 0% Intro APR on purchases for the first 9 months; thereafter, variable APR of 20.24% to 29.99%.
- See if you’re approved with no impact to your credit score. Accepting a card after your application is approved will result in a hard inquiry, which may impact your credit score.
- Terms Apply. Subject to credit approval.
Rates & Fees
Annual Fee
$0
Intro Purchase APR
0% Intro Purchase APR for 9 Months
Regular APR
20.24% to 29.99% variable purchase APR based on creditworthiness. Rates as of 8/1/2023
Intro Balance Transfers APR
N/A
View All My GM Rewards® Mastercard® Details
BEST FOR BUSINESS BUILDING CREDIT
Brex 30 Card

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Rewards Rate
7X
4X
3X
2X
1X
7X Rideshare
4X Brex Travel
3X Restaurants
2X Recurring software
1X Everything else
Intro offer
50,000
Annual fee
$0
Regular APR
N/A
Pros
- Earn 50,000 points after spending $9,000 in the first 30 days, along with credits or discounts for services like Slack, Microsoft, Google Ads, Zoom, and Amazon Web Services.
- This card charges no annual fee.
Cons
- Your business must have at least $100,000 in its corporate account to qualify for the card ($50,000 if professionally managed).
- In order to earn bonus points, you must make the Brex card your exclusive corporate card. Otherwise, you only earn 1 point per dollar on every purchase.
highlights
- 50,000 signup bonus points after spending $9,000+ in the first 30 days
- Brex offers a corporate credit card designed to help companies boost their spending power and grow faster
- Get 10-20x higher limits than traditional business credit cards while earning rewards and cash back on everything you spend, like 7x on rideshare and 2x on recurring software
- Build business credit from day one with a card that’s automatically paid monthly
- No credit check, no personal guarantee, no account fees, and no interest
- Save time and money with automatic receipt-matching and built-in expense management tools to help you gain detailed insights on your spend
- Issue unlimited virtual cards to your team, and set custom limits on each card
- Close the books in record time with QuickBooks, Xero, NetSuite, Concur, and Expensify integrations
- To get approved for a Brex card with monthly payments, businesses need a linked bank balance of at least $50,000
- Brex Mastercard® issued by Emigrant Bank, Member FDIC. Brex Cash provided by Brex Treasury LLC, member FINRA and SIPC. Brex Treasury is not a bank; Brex Cash is not a bank account. Testimonials may not represent experiences of all clients. Terms apply, visit brex.com.
Rates & Fees
Annual Fee
$0
Intro Purchase APR
N/A
Regular APR
N/A
Intro Balance Transfers APR
N/A
View All Brex 30 Card Details
BEST FOR FREQUENT INTERNATIONAL BUSINESS TRAVELERS
Capital One Spark Miles for Business

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Rewards Rate
5x
2X
Unlimited 5X miles on hotels and rental cars booked through Capital One Travel
Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account.
Intro offer
50,000 miles
Annual fee
$95, waived first year
Regular APR
26.24% variable
Pros
- There are no limits on how many miles you can earn.
- Miles never expire so long as the account remains active.
Cons
- There are no domestic legacy carriers included in the list of airline partners.
- The variable APR could be high for businesses that carry a balance month to month.
highlights
- Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening
- Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won’t expire for the life of the account
- Unlimited 5X miles on hotels and rental cars booked through Capital One Travel
- Transfer your miles to 15+ travel loyalty programs
- Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
- Skip the lines with up to a $100 statement credit on TSA PreCheck® or Global Entry
- $0 intro annual fee for the first year; $95 after that
- Free employee cards which also earn unlimited 2X miles from their purchases
Rates & Fees
Annual Fee
$0 intro for first year; $95 after that
Intro Purchase APR
N/A
Regular APR
26.24% (Variable)
Intro Balance Transfers APR
N/A
View All Capital One Spark Miles for Business Details
BEST FOR CREDIT CARD BEGINNERS
Citi Double Cash® Card

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Rewards Rate
5x
2X
Unlimited 5X miles on hotels and rental cars booked through Capital One Travel
Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account.
Intro offer
$200 cash back
Annual fee
$0
Regular APR
19.24% - 29.24% variable
Pros
- Earn unlimited 2% cash back on all purchases when you pay off your balance (1% at purchase, plus 1% upon payment).
- The card’s extensive intro APR offer on balance transfers is great for those who want to lower their overall debt.
Cons
- You’ll only earn 1% back on all purchases if you can’t avoid carrying a balance.
- The intro APR offer does not include purchases, and there is an intro balance transfer fee of 3% or $5, whichever is greater, on transfers completed within the first 4 months, after that 5% of each transfer ($5 minimum).
highlights
- Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
- Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24.
- Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 19.24% – 29.24%, based on your creditworthiness.
- Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
- If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
- There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
Rates & Fees
Annual Fee
$0
Intro Purchase APR
N/A
Regular APR
19.24% - 29.24% (Variable)
Intro Balance Transfers APR
0% intro for 18 months on Balance Transfers
View All Citi Double Cash® Card Details
BEST FOR GENERAL HOTEL STAYS
Citi Premier® Card

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Rewards Rate
3X
3X
1X
Earn 3 Points per $1 spent at Gas Stations, Air Travel and Other Hotels
Earn 3 Points per $1 spent at Restaurants and Supermarkets
Earn 1 Point per $1 spent on all other purchases
Intro offer
60,000 points
Annual fee
$95
Regular APR
21.24% - 29.24% variable
Pros
- There are no blackout or expiration dates when redeeming your points, giving cardholders great flexibility when traveling.
- Card has a great list of transfer partners with major airlines, including Emirates and JetBlue.
Cons
- It lacks perks like travel insurance, which usually is included with travel cards that have annual fees.
- Travel redemption is only high when booked through Citi, limiting those who may prefer to book directly with hotels or other third parties.
highlights
- Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening. Plus, for a limited time, earn a total of 10 ThankYou® Points per $1 spent on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel℠ portal through June 30, 2024.
- Earn 3 Points per $1 spent at Gas Stations, Air Travel and Other Hotels
- Earn 3 Points per $1 spent at Restaurants and Supermarkets
- Earn 1 Point per $1 spent on all other purchases
- Annual Hotel Savings Benefit
- 60,000 ThankYou® Points are redeemable for $600 in gift cards or travel rewards at thankyou.com
- No expiration and no limit to the amount of points you can earn with this card
- No Foreign Transaction Fees on purchases
Rates & Fees
Annual Fee
$95
Intro Purchase APR
N/A
Regular APR
21.24% - 29.24% (Variable)
Intro Balance Transfers APR
N/A
View All Citi Premier® Card Details
BEST FOR FREQUENT ENTERTAINERS
Capital One SavorOne Cash Rewards Credit Card

See Rates & Fees
Rewards Rate
8%
5%
3%
1%
8% Cash Back on Capital One Entertainment purchases
5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply)
3% Cash Back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®)
1% Cash Back on all other purchases
Intro offer
$200
Annual fee
$0
Regular APR
19.99% - 29.99% variable
Pros
- The card includes a generous intro APR on purchases and balance transfers and no annual fee.
- The sign-up bonus is each to reach, with cardholders earning $200 after spending $500 within the first three months.
Cons
- The grocery store cash back excludes superstores like Walmart® and Target®, cutting out potential earnings if you regularly shop there.
- There is a 3% balance transfer fee for the first 15 months (4% at a promotional APR that Capital One may offer you at any other time).
highlights
- Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
- Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases
- Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
- Earn 8% cash back on Capital One Entertainment purchases
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options. Terms apply
- No rotating categories or sign-ups needed to earn cash rewards; plus cash back won’t expire for the life of the account and there’s no limit to how much you can earn
- 0% intro APR on purchases and balance transfers for 15 months; 19.99% – 29.99% variable APR after that; balance transfer fee applies
- No foreign transaction fee
- No annual fee
Rates & Fees
Annual Fee
$0
Intro Purchase APR
0% intro on purchases for 15 months
Regular APR
19.99% - 29.99% (Variable)
Intro Balance Transfers APR
0% intro on balance transfers for 15 months
View All Capital One SavorOne Cash Rewards Credit Card Details
BEST FOR UNPREDICTABLE SPENDERS
Citi Custom Cash® Card

See Rates & Fees
Rewards Rate
8%
1%
Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter.
Earn unlimited 1% cash back on all other purchases.
Intro offer
$200
Annual fee
$0
Regular APR
19.24% - 29.24% variable
Pros
- Because it automatically rewards your top spending category, you don’t have to worry about changing how you use your card month-to-month.
- It can be paired with other ThankYou points and cash back Citi cards to pool rewards together.
Cons
- The spending cap is pretty low and reverts to only 1% when it is reached.
- All other categories earn 1% cash back, which can make it hard to maximize your rewards.
highlights
- Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
- 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 19.24% – 29.24%, based on your creditworthiness.
- Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
- No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
- No Annual Fee
- Citi will only issue one Citi Custom Cash® Card account per person.
Rates & Fees
Annual Fee
$0
Intro Purchase APR
0% for 15 months on purchases
Regular APR
19.24% - 29.24% (Variable)
Intro Balance Transfers APR
0% for 15 months on balance transfers
View All Citi Custom Cash® Card Details
BEST FOR STREAMLINED REWARDS
Capital One Quicksilver Cash Rewards Credit Card

See Rates & Fees
Rewards Rate
5%
1.5%
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
Earn unlimited 1.5% cash back on every purchase, every day
Intro offer
$200
Annual fee
$0
Regular APR
19.99% - 29.99% variable
Pros
- It combines flat-rate rewards with no annual fee and a pretty good sign-up bonus.
- You get access to perks like 24-hour travel assistance, CreditWise and better-than-average customer service.
Cons
- It’s on the lower end of reward rates, even for flat-rate cash back cards.
- The card comes with high APR and late fees that may trip up inexperienced cardholders.
highlights
- Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase, every day
- $0 annual fee and no foreign transaction fees
- Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options. Terms apply
- No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won’t expire for the life of the account and there’s no limit to how much you can earn
- 0% intro APR on purchases and balance transfers for 15 months; 19.99% – 29.99% variable APR after that; balance transfer fee applies
Rates & Fees
Annual Fee
$0
Intro Purchase APR
0% intro on purchases for 15 months
Regular APR
19.99% - 29.99% (Variable)
Intro Balance Transfers APR
0% intro on balance transfers for 15 months
View All Capital One Quicksilver Cash Rewards Credit Card Details
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