Best Credit Cards of September 2023

Capital One Quicksilver Cash Rewards Credit Card

When it comes to rewards credit cards, sorting through the hundreds of options can be overwhelming. And if you’re new to credit cards, the idea of juggling multiple cards or monitoring ever-changing spending categories can be downright stressful.

That’s why the Capital One Quicksilver Cash Rewards Credit Card(Rates and fees) is such a smart choice. You can earn 1.5% cash back on every purchase, every day — easy! Worried about interest? Relax — this card offers a 0% intro APR on purchases for the first 15 months then 19.99% - 29.99% (Variable).

Plus, new cardholders can get a one-time cash bonus — earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening. Use your card for essentials at the gas station or grocery stores, and in our opinion, you can easily meet the spending requirement.

Additional perk: New cardholders can take advantage of 0% intro APR for 15 months on balance transfers, then 19.99% - 29.99% (Variable) APR; 3% fee for the first 15 months. No fee for amounts transferred at the Transfer APR.

Annual fee: $0

Click here to apply for the Capital One Quicksilver Cash Rewards Credit Card now.

Chase Freedom Unlimited^®

Searching for a credit card that combines cash back rewards and a long 0% introductory APR period? You'll want to check out the Chase Freedom Unlimited^® Card!

Cardholders can earn 5% cash back on Chase travel purchased through Ultimate Rewards®, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service and unlimited 1.5% cash back on all other purchases. It's no wonder why this is considered one of the leading cards on the market.

And you don’t want to overlook the extended 0% intro APR period: New cardholders can enjoy an extended 0% intro APR period on purchases and balance transfers for the first 15 months. That means you can take a break from paying interest until December 2024 - That's over a year of interest-free purchases and balance transfers! After the intro period, the APR is 20.49% - 29.24% Variable.

Annual Fee: $0

Capital One VentureOne Rewards Credit Card

With lucrative travel benefits and a long intro APR period, the Capital One VentureOne Rewards Credit Card(Rates and fees) is a great option for travelers looking for a card with no annual fee.

New VentureOne Rewards cardholders can earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening - that's worth $200 in travel. Plus, cardholders can take advantage of a simple rewards program, earn unlimited 1.25 miles per dollar on every purchase, every day and 5 miles per dollar on hotels and rental cars booked through Capital One Travel.

This card also offers a 0% introductory APR on purchases for 15 months, plus a 0% intro APR for 15 months on balance transfers, then 19.99% - 29.99% (Variable) APR; 3% fee for the first 15 months. No fee for amounts transferred at the Transfer APR. Which makes this card a great option for anyone looking to pay down debt.

Annual Fee: $0

Click here to apply for the Capital One VentureOne Rewards Credit Card now.

Ink Business Cash^® Credit Card

If you’re getting ready to start your new business or gearing up to make a large business purchase, the Ink Business Cash^® Credit Card is the card to consider.

Start racking up serious cash back rewards with this card - Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year; 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year; and 1% cash back on all other purchases with no limit.

New cardholders can earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.

Additional perk: You don't even need an Employer Identification Number (EIN) to apply. Solo entrepreneurs and side hustlers can take advantage of these perks!

Annual Fee: $0

Click here to apply for the Ink Business Cash^® Credit Card now.

Chase Freedom Unlimited^®

Searching for a credit card that combines cash back rewards and a long 0% introductory APR period? You'll want to check out the Chase Freedom Unlimited^® Card!

Cardholders can earn 5% cash back on Chase travel purchased through Ultimate Rewards®, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service and unlimited 1.5% cash back on all other purchases. It's no wonder why this is considered one of the leading cards on the market.

And you don’t want to overlook the extended 0% intro APR period: New cardholders can enjoy an extended 0% intro APR period on purchases and balance transfers for the first 15 months. That means you can take a break from paying interest until December 2024 - That's over a year of interest-free purchases and balance transfers! After the intro period, the APR is 20.49% - 29.24% Variable.

Annual Fee: $0

Wells Fargo Reflect^® Card

Imagine getting 21 months from account opening with 0% interest on a balance transfer or a big purchase. Sounds great — right? You could dramatically change your financial picture with this industry-leading card — the Wells Fargo Reflect^® Card(Rates and fees).

If you want to kick high-interest credit card debt to the curb, this is one of the leading get-out-of-debt cards available. Transfer your high interest debt to this card with a 0% intro APR for 21 months from account opening on qualifying balance transfers. Your payments can go directly to paying down your balance without incurring a pile of additional charges. That could save you hundreds of dollars in interest!

It doesn't just stop with balance transfers though. Cardholders also get a generous intro APR of 0% for 21 months from account opening on purchases. After the intro period for purchases and balance transfers, the APR is 18.24%, 24.74%, 29.99% variable.

The best part? There's no annual fee.

Click here to apply for the Wells Fargo Reflect^® Card now.

Bank of America^® Unlimited Cash Rewards credit card

If you're torn between wanting a long 0% intro APR period and a card that offers top cashback rewards, stop scrolling. You could pay down debt faster and earn cash back with the Bank of America^® Unlimited Cash Rewards credit card.

Enjoy a 0% introductory APR for 15 billing cycles for any qualifying balance transfers made in the first 60 days, plus a 0% intro APR on purchases for 15 billing cycles. After the intro period, the APR is 18.24% - 28.24% Variable.

You don't need to worry about a big annual fee either — this card has a $0 annual fee and a generous welcome offer: Earn a $200 online cash rewards bonus after spending $1,000 in the first 90 days of account opening.

On top of all that, you'll earn a baseline of unlimited 1.5% cash back on all purchases with the opportunity to earn an additional 25%-75% more cash back on every purchase if you're a Bank of America Preferred Rewards member. With rates that high, you can rack up some serious cash back in no time at all.

Click here to apply for the Bank of America^® Unlimited Cash Rewards credit card now.

Capital One Quicksilver Cash Rewards Credit Card

When it comes to rewards credit cards, sorting through the hundreds of options can be overwhelming. And if you’re new to credit cards, the idea of juggling multiple cards or monitoring ever-changing spending categories can be downright stressful.

That’s why the Capital One Quicksilver Cash Rewards Credit Card(Rates and fees) is such a smart choice. You can earn 1.5% cash back on every purchase, every day — easy! Worried about interest? Relax — this card offers a 0% intro APR on purchases for the first 15 months then 19.99% - 29.99% (Variable).

Plus, new cardholders can get a one-time cash bonus — earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening. Use your card for essentials at the gas station or grocery stores, and in our opinion, you can easily meet the spending requirement.

Additional perk: New cardholders can take advantage of 0% intro APR for 15 months on balance transfers, then 19.99% - 29.99% (Variable) APR; 3% fee for the first 15 months. No fee for amounts transferred at the Transfer APR.

Annual fee: $0

Click here to apply for the Capital One Quicksilver Cash Rewards Credit Card now.

Wells Fargo Active Cash^® Card

If you’re looking for a powerful rewards card that offers an extended intro APR period, look no further, the Wells Fargo Active Cash^® Card(Rates and fees) checks both of those boxes!

New cardholders can benefit from a generous cash rewards rate. Long gone are the days of juggling multiple cards or monitoring ever-changing spending categories — earn unlimited 2% cash rewards on purchases!

This card also offers an intro APR of 0% for 15 months from account opening on purchases and qualifying balance transfers (then 20.24%, 25.24%, or 29.99% variable). Which is great for someone who wants a break from high interest rates, while still earning rewards.

Plus, new cardholders can earn a one-time cash rewards bonus — $200 cash rewards bonus after spending $500 in purchases in the first 3 months. Use your card for essentials at the gas station or grocery stores, and you can easily meet the spending requirement.

The best part? There's no annual fee.

Click here to apply for the Wells Fargo Active Cash^® Card now.

Capital One SavorOne Cash Rewards Credit Card

If you’re someone who primarily spends on dining and entertainment, the Capital One SavorOne Cash Rewards Credit Card(Rates and fees) is a great no annual fee card to keep in your wallet.

This card offers phenomenal rewards for any foodie, earn unlimited 3% cash back on dining and at grocery stores (excluding superstores like Walmart® and Target®), popular streaming services, and entertainment.

Cardholders can also enjoy a generous welcome offer! Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening.

In addition to lucrative rewards and a solid welcome bonus, this card offers 0% introductory APR on purchases for 15 months, plus a 0% intro APR for 15 months on balance transfers, then 19.99% - 29.99% (Variable) APR; 3% fee for the first 15 months. No fee for amounts transferred at the Transfer APR.

One additional perk you don't want to overlook: With Capital One Dining, cardholders can get access to exclusive reservations at award winning restaurants!

Annual Fee: $0

Click here to apply for the Capital One SavorOne Cash Rewards Credit Card now.

Capital One VentureOne Rewards Credit Card

With lucrative travel benefits and a long intro APR period, the Capital One VentureOne Rewards Credit Card(Rates and fees) is a great option for travelers looking for a card with no annual fee.

New VentureOne Rewards cardholders can earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening - that's worth $200 in travel. Plus, cardholders can take advantage of a simple rewards program, earn unlimited 1.25 miles per dollar on every purchase, every day and 5 miles per dollar on hotels and rental cars booked through Capital One Travel.

This card also offers a 0% introductory APR on purchases for 15 months, plus a 0% intro APR for 15 months on balance transfers, then 19.99% - 29.99% (Variable) APR; 3% fee for the first 15 months. No fee for amounts transferred at the Transfer APR. Which makes this card a great option for anyone looking to pay down debt.

Annual Fee: $0

Click here to apply for the Capital One VentureOne Rewards Credit Card now.

Chase Sapphire Preferred^® Card

There are a lot of reasons the Chase Sapphire Preferred^® Card is considered one of the leading travel cards available, but the current welcome offer makes it a must-have for any traveler.

New cardholders can earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That huge welcome offer is worth $750 when redeemed for travel through Chase Ultimate Rewards.

Plus, you can turn all your spending into even more rewards that you can use for a much-needed vacation. Earn 5X points on travel purchased through Chase Ultimate Rewards®; 3X points on dining, select streaming services, and eligible online grocery purchases; 2X points on all other travel purchases, and 1X points per $1 on all other eligible purchases.

The Chase Sapphire Preferred^® Card offers other amazing ongoing benefits including baggage delay insurance, trip cancellation/interruption insurance, primary auto rental collision damage waiver, and a $50 annual credit on hotel stays purchased through Chase Ultimate Rewards.

Annual fee: $95

Click here to apply for the Chase Sapphire Preferred^® Card now.

Bank of America^® Travel Rewards credit card

The Bank of America^® Travel Rewards credit card is your ticket to adventure! With no annual fee, a generous signup bonus, and the ability to earn unlimited 1.5X points on all purchases - this is without a doubt the card you want to keep at the top of your wallet.

New cardholders can earn 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases!

Quit juggling multiple cards to optimize your travel rewards - with the Bank of America^® Travel Rewards credit card, you can earn unlimited 1.5 points per $1 spent on all purchases everywhere, every time. Points can be redeemed as a statement credit for a variety of travel expenses, including flights, hotels, and rental cars.

Additional perk: Take advantage of this cards 0% introductory APR period on purchases and qualifying balance transfers for 15 billing cycles (then 18.24% - 28.24% Variable). Perfect for a large purchase or funding travel that you want to pay back over time - without having to worry about accumulating interest.

Annual fee: $0

Click here to apply for the Bank of America^® Travel Rewards credit card now.

Wells Fargo Autograph℠ Card

The Wells Fargo Autograph℠ Card(Rates and fees) is a flexible rewards card that offers cash rewards and travel redemptions. Cardholders can earn 20,000 bonus points after spending $1,000 in purchases in the first 3 months.

Use your card for everyday purchases and rack up rewards points — Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services, and phone plans; plus earn 1X points on other purchases. Points can be redeemed for things like travel, statement credits, or gift cards.

Aside from the massive intro offer and rewards points you can rack up, the Autograph card offers a generous 0% intro APR for 12 months from account opening on purchases. After the intro period, the APR is 20.24%, 25.24%, or 29.99% variable. That means your payments can go directly to paying down your balance without incurring a pile of additional charges!

One thing that shouldn't be overlooked, all of these perks come with no annual fee.

Click here to apply for the Wells Fargo Autograph℠ Card now.

Ink Business Cash^® Credit Card

If you’re getting ready to start your new business or gearing up to make a large business purchase, the Ink Business Cash^® Credit Card is the card to consider.

Start racking up serious cash back rewards with this card - Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year; 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year; and 1% cash back on all other purchases with no limit.

New cardholders can earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.

Additional perk: You don't even need an Employer Identification Number (EIN) to apply. Solo entrepreneurs and side hustlers can take advantage of these perks!

Annual Fee: $0

Click here to apply for the Ink Business Cash^® Credit Card now.

Bank of America^® Business Advantage Unlimited Cash Rewards Mastercard^® credit card

The Bank of America^® Business Advantage Unlimited Cash Rewards Mastercard^® credit card is a top pick for business owners who want to earn cash back on all their purchases. With this card, you can earn unlimited 1.5% cash back on all purchases without any complicated reward structures. Plus, you can take advantage of a generous intro offer to jumpstart your earnings.

New cardholders can earn a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening. Plus, If you're a business owner who is planning to make some big purchases in the near future, this card is an excellent choice. You'll enjoy a 0% introductory APR for new purchases for 9 billing cycles, followed by an APR of 18.49% - 28.49% Variable.

Best of all, there is no annual fee with this card. That means you can enjoy all the benefits of this card without having to pay anything out of pocket. Whether you're a new business owner or a seasoned entrepreneur, the Bank of America^® Business Advantage Unlimited Cash Rewards Mastercard^® credit card is an excellent choice for earning cash back on your everyday purchases.

Click here to apply for the Bank of America^® Business Advantage Unlimited Cash Rewards Mastercard^® credit card now.

Ink Business Unlimited^® Credit Card

The Ink Business Unlimited^® Credit Card is ideal for business owners who are looking for a simple business card with no annual fee and easy ways to earn rewards.

This straightforward card will earn you unlimited 1.5% cash back on every purchase, plus a massive intro offer. New cardholders can earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.

If you have big business purchases pending, this cashback card might be the ideal choice — 0% intro APR for new purchases means you won’t have to worry about paying interest for 12 months after account opening then 18.49% - 24.49% Variable.

Annual Fee: $0

Click here to apply for the Ink Business Unlimited^® Credit Card now.

U.S. Bank Business Leverage^® Visa Signature^® Card

Business owners, elevate your rewards game with the U.S. Bank Business Leverage^® Visa Signature^® Card. Earn 2% cash back in the top two categories where you spend the most each month automatically and 1% cash back per dollar spent on all other eligible purchases. With no caps or limits on the total rewards your business can earn.

This powerful cash back program ensures that your business spending translates into tangible financial benefits, empowering your growth.

The perks don’t just stop there! As a new cardholder, you can enjoy a fantastic introductory offer. Earn $750 in rewards when you spend $7,500 in eligible purchases on the account owner's card within the first 120 days of opening your account.

Better yet, the U.S. Bank Business Leverage^® Visa Signature^® Card has no annual fee in the first year. That's right, no cost to enjoy your cash back rewards. After the first year, the annual fee is just $95 (waived first year).

Click here to apply for the U.S. Bank Business Leverage^® Visa Signature^® Card now.