The Best Credit Cards in 2023: A Comprehensive Guide


With a plethora of credit cards to choose from, selecting the best one for your needs can be overwhelming. Forbes has put together a list of the best credit cards of 2023, simplifying the decision-making process. This comprehensive guide will take you through some of the top choices in various categories, discussing their features and benefits, as well as considerations to keep in mind before making up your mind.

Top Travel Rewards Cards

Chase Sapphire Preferred Card: Known for its generous sign-up bonus and high points earning potential, this card is a favorite among frequent travelers. Cardholders can earn 2 points per dollar spent on travel and dining expenses, while points are worth 25% more when redeemed for travel through the Chase Ultimate Rewards program.

The Platinum Card from American Express: With an extensive list of travel perks, such as complimentary access to over 1,200 airport lounges worldwide and up to $200 in annual airline fee credits, this card suits luxury travelers. Although it comes with a hefty annual fee, the benefits make it worth considering for those with lavish travel preferences.

Best Cashback Cards

Citi Double Cash Card: This card offers a straightforward earning system, with 1% cashback earned on all purchases and another 1% paid upon clearing the balance. With no annual fee and no category restrictions, the Citi Double Cash Card is the ideal choice for those looking for hassle-free cashback opportunities.

Chase Freedom Unlimited: Apart from providing an impressive 1.5% cashback on all purchases without any category limits or caps, the Chase Freedom Unlimited also offers a surprising range of additional benefits. These include an introductory 0% APR on purchases and balance transfers for 15 months and no annual fee.

Top Cards For Building Credit

Discover it Secured Credit Card: Geared towards individuals with limited or no credit history, this secured credit card helps in building a credit score while offering rewards. Users earn 2% cashback at gas stations and restaurants and 1% on all other purchases. Additionally, Discover matches the cashback earned during the first year.

Capital One Platinum Credit Card: With no annual fee and access to a higher credit line after making the first five monthly payments on time, the Capital One Platinum Credit Card is another excellent option for building credit. Moreover, cardholders can access valuable tools, such as the CreditWise app, to help them monitor and maintain their credit scores.


The best credit card for you depends on your financial situation, spending habits, and the perks you seek. Consider your priorities – whether that’s travel rewards, cashback, or building your credit score – before selecting the right card to fit your needs. Remember to examine fees, interest rates, and other terms associated with each card before making any decisions for a smoother financial journey in 2023.