Best Credit Cards Of 2023/2024 – List Of Top Offers & Reviews 2023

Would you like to have the Best credit cards? With so many credit cards available to consumers, it can be difficult to select the best credit cards. There is no “one-size-fits-all” credit card, but options for different types of people; whether you’re a student, a foodie, a road warrior, a traveler, or someone looking to build credit. A little research can help you find a card that is tailored to your specific needs. However, tontimes is here to guide you.

There is no one credit card that is the best choice for every family, every purchase, or every budget. As a result, Tontimes has chosen the best credit cards in a way that will be most useful to the widest range of readers. Instead of choosing the “best credit card” and ranking the next nine options, we highlighted the best cards for a variety of situations.

Note that, this list contains only personal credit cards only.

Here are The Best Credit Cards 2022 For You

Below are the best credit cards available out there to choose from depending on your situation:

Best cash-back credit card-best credit cards

1. Chase Freedom Flex

This card has the muscle to handle nearly all your credit card spending needs without charging an exorbitant fee. The card has no annual fee and comes with a boosted earnings structure that covers a wide range of expenses such as travel, drugstores, and dining, as well as rotating quarterly bonus categories in areas that many households are likely to find appealing.

Details About Cash Freedom Flex Card

  • There is no minimum to redeem for cash back. You have the option of receiving a statement credit or direct deposit into most US checking and savings accounts. As long as your account is open, your Cash Back rewards will not expire.
  • Earn a $200 bonus after spending $500 on purchases within the first three months of account opening.
  • Each quarter, you can earn 5% cash back on up to $1,500 in combined purchases in bonus categories. Each quarter, enjoy new 5% categories.
  • 0% Intro APR on purchases and balance transfers for 15 months from account opening, then a variable APR of 15.74 percent – 24.49 percent.
  • No annual fee – There is no annual fee for all of the great features that come with your Freedom FlexSM card.
  • 5 percent cash back on travel purchases made through Chase Ultimate Rewards, our premier rewards program that allows you to redeem points for cash back, travel, gift cards, and other items.
  • 3 percent cash back on drugstore purchases and restaurant dining, including takeout and eligible delivery service, and an unlimited 1% cash back on all other purchases.


  1. There is no annual fee.
  2. When activated, rotating quarterly categories earn 5% rewards, up to a combined quarterly $1,500 maximum.
  3. The travel rewards rate competes with some of the best premium travel cards.
  4. Several other categories have generous reward rates.


  1. To earn 5% cash back, travel must be booked through Chase Ultimate Rewards.

2. Wells Fargo Active Cash Card

Best 0% APR 5.0 and Best Fat-Rate Cashback

  1. Welcome Bonus: $200 Cash Rewards

  2. Annual Fee: $0

  3. Regular APR: 16.49%, 21.49%, or 26.49% variable APR

  4. Credit Score: Excellent, Good (700 – 749)

Details About The Card

  • The Wells Fargo Active Cash card offers an unlimited 2% cash back rate on purchases and has no annual fee. This puts it up against the market’s best flat-rate cash-back cards.
  • Earn a $200 cash rewards bonus after spending $1,000 in the first three months.
  • Earn unlimited 2% cash back on purchases.
  • There is no annual fee.
  • There are no categories to remember or track, and cash rewards do not expire as long as your account is active.
  • With Visa Signature Concierge, you can enjoy a premium collection of benefits at some of the world’s most intriguing and prestigious hotel properties.


  1. Unlimited 2% cash back on purchases
  2. There is no annual fee.
  3. Advantages of Cell Phone Security


  1. A balance transfer fee applies.
  2. A foreign transaction fee applies.
  3. There are no travel transfer partners.

Best Flexible Travel Rewards Cards

1. Capital One Venture X Rewards Credit Card


Capital One’s most premium travel card is loaded with extras that put it squarely in competition with other upscale credit cards, but it comes with an annual fee that far outweighs the others.

  1. Best flexible rewards card
  2. Welcome Bonus: 75,000 miles

  3. Annual Fee: $395

  4. Regular APR: 18.49% – 25.49% (Variable)

  5. Credit Score: Excellent (750 – 850)

  • Receive up to $300 in statement credits per year for bookings made through Capital One Travel, where you’ll find the best prices on thousands of options.
  • Earn 75,000 bonus miles when you spend $4,000 on purchases in the first three months after opening your account, which equals $750 in travel.
  • You and two guests will have unlimited complimentary access to 1,400+ lounges, including Capital One Lounges and our Partner Lounge Network.
  • Get a credit of up to $100 for Global Entry or TSA PreCheck®.
  • Beginning with your first anniversary, you will receive 10,000 bonus miles (equivalent to $100 in travel) every year.
  • Earn unlimited 10X miles on Capital One Travel hotels and rental cars, and 5X miles on Capital One Travel flights.
  • Earn 2X miles on all other purchases indefinitely.


  1. Points are simple to earn and use.
  2. The annual fee is lower than that of competitors in its category.
  3. The annual fee could be justified solely by the annual travel credit and anniversary points.


  1. There is a scarcity of domestic airlines and upscale hotel travel partners.
  2. Capital One’s lounge network is still in its infancy.
  3. Inadequate hotel status benefits

Best Credit Card 2022 for Travel Insurance

1. Chase Sapphire Reserve

If you spend a lot of money on travel and dining out, this card will earn you more points. The $300 travel credit more than compensates for the annual fee, and redeeming points for travel on Chase Ultimate Rewards or using the Pay Yourself Back feature earns you a 50% bonus.

Details About The Card

  1. Earn 60,000 bonus points after spending $4,000 on purchases within the first three months of account opening. When you redeem through Chase Ultimate Rewards®, you’ll receive $900 toward travel.
  2. Every account anniversary year, you will receive a $300 annual travel credit to reimburse you for travel purchases made with your card.
  3. When you redeem your points for statement credits against existing purchases in select, rotating categories with Pay Yourself BackSM, your points are worth 50% more during the current offer.
  4. Transferring points to a major airline and hotel loyalty programs at a 1:1 ratio
  5. Earn 5x total points on air travel and 10x total points on hotels and car rentals when you book travel through Chase Ultimate Rewards® within 30 days of spending the first $300 on travel purchases per year. Earn 3 points for every $1 spent on other travel and dining and 1 point for every $1 spent on all other purchases.


  • A $300 annual travel credit is extremely adaptable.
  • Points can be transferred to useful airline and hotel partners.
  • A sizable welcome bonus
  • When you redeem points for travel through Chase or for certain purchases through the Pay Yourself Back program, you will receive 50% more value.


  • The annual fee is quite high.
  • Purchases at a high variable APR
  • Excellent credit is strongly advised.

Best Entry Level Travel Card

1. Chase Sapphire Preferred Card

  • Welcome Bonus: 60,000 bonus points
  • Annual Fee: $95
  • Regular APR: 16.74% – 23.74% Variable
  • Credit Score: Excellent, Good (700 – 749)

This card is a dream for frequent travelers and diners, offering a rare combination of high rewards rates and redemption flexibility – all while charging a low annual fee.

Card Summary

  1. Earn 60,000 bonus points after spending $4,000 on purchases in the first three months after opening your account. When you redeem through Chase Ultimate Rewards, you’ll receive $750.
  2. Benefits include a $50 annual Ultimate Rewards Hotel Credit, 5x points on travel purchased through Chase Ultimate Rewards®, 3x points on dining, and 2x points on all other travel purchases, among others.
  3. When you redeem for airfare, hotels, car rentals, and cruises through Chase Ultimate Rewards®, you will receive a 25% bonus. 60,000 points, for example, are worth $750 in travel.
  4. When you redeem your points for statement credits against existing purchases in select, rotating categories with Pay Yourself BackSM, your points are worth 25% more during the current offer.


  • There are numerous travel and shopping safeguards.
  • Earn high rewards on a variety of purchases.
  • Transfer points to travel companions at a 1:1 ratio.


  • The charge annual fee
  • There is no introductory APR offer.
  • The best travel rewards are only available for bookings made through Chase.

Best Credit Card 2022 For Luxury Travel And Lifestyle Benefits

Best credit cards
Best credit cards

1. The Platinum Card from American Express – Best credit cards

  • Welcome Bonus: Earn 100,000 points
  • Annual Fee: $695
  • Regular APR: See Pay Over Time APR
  • Credit Score: Excellent/Good (700 – 749)

The Platinum Card is designed for frequent travelers who want to take advantage of the extensive set of luxury travel benefits and Platinum Concierge service. The staggering annual fee of the classic status card is well justified in the right hands.

Summary of the Card

  1. Earn 5X Membership Rewards® Points for flights booked directly with airlines or through American Express Travel for up to $500,000 per calendar year, and earn 5X Membership Rewards® Points for prepaid hotel reservations booked through American Express Travel.
  2. Earn 100,000 Membership Rewards® points after spending $6,000 on new Card purchases in the first 6 months of Card Membership. Apply and choose your favorite metal Card design: Platinum Card® classic, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
  3. Get up to $20 back each month on eligible purchases made with your Platinum Card® on one or more of the following: Audible, Disney+, The Disney Bundle, ESPN+, Hulu, Peacock, SiriusXM, and The New York Times. Enrollment is necessary.
  4. When you pay with your Platinum Card, you’ll receive $200 in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings that require a minimum two-night stay through American Express Travel.
  5. $155 Walmart+ Credit: Receive a statement credit for the cost of a $12.95 monthly Walmart+ membership after paying for Walmart+ with your Platinum Card each month. The price includes $12.95 in addition to the applicable local sales tax. Plus-Ups are not permitted.
  6. The Centurion® Network has been expanded by American Express to include 40+ Centurion Lounge and Studio locations around the world. There are even more places where your Platinum Card® will grant you free admission and special benefits.


  • High potential for rewards when booking flights and hotels through American Express Travel.
  • Having multiple credits can help to justify the fee.
  • Access to all airport lounges
  • With enrollment, you will receive luxury travel benefits and elite status with Hilton and Marriott.


  • The annual fee is extremely high.
  • Maximizing statement credits requires some effort and may be impossible for many people.
  • Outside of travel, the reward rate is poor for a premium card.

Best Airline Credit Cards – Best credit cards

1. United Club Infinite Card

  • Welcome Bonus: 100,000 bonus miles
  • Annual Fee: $525
  • Regular APR: 17.24% – 24.24% Variable
  • Credit Score: Excellent (750 – 850)

With 4 miles per dollar earned on United purchases, United’s top-tier card ups its game. A slew of travel perks boosts the card’s value, with the United Club membership alone worth more than the annual fee.

Details Of The Card

  1. Accumulate 100,000 bonus miles.
  2. Earn two miles for every dollar spent on all other travel.
  3. Earn 4 miles for every dollar spent on United® purchases, which include tickets, Economy Plus, in-flight food, beverages, and Wi-Fi, as well as other United charges.
  4. Earn two miles for every dollar spent on dining and eligible delivery services.
  5. Fee credit for Global Entry or TSA PreCheck® of up to $100
  6. Earn 1 mile for every $1 spent on everything else.
  7. When you pay with your Club Infinite Card, you will receive a 25% statement credit on purchases of food, beverages, and Wi-Fi on United-operated flights.
  8. First and second checked bags are free, representing a savings of up to $320 per roundtrip. Terms and Conditions apply.


  • There are no foreign transaction fees.
  • Membership in the United Club is more valuable than the annual fee.
  • When you pay for your flight with your card, you get a free first and second checked bag.


  • The annual fee is extremely high.
  • There is no introductory APR offer.
  • Regularly high APR

Best Mid-Tier AirlineCard – best credit cards

Aeroplan Credit Card

The Aeroplan® Credit Card’s high reward-earning potential makes it an excellent choice for frequent Air Canada travelers who also spend money on food and travel.

  • Welcome Bonus: Welcome Flight Reward + up to 51,000 points
  • Annual Fee: $95
  • Credit Score: Good, Excellent (700 – 749)
  • Regular APR: 17.24% – 24.24% Variable

Summary of the Card

  1. Annual Fee of $95
  2. Earn 3x points for every dollar spent at grocery stores, restaurants, and directly with Air Canada.
  3. There are no foreign transaction fees.
  4. Earn a Welcome Flight Reward worth up to 50,000 points after spending $3,000, plus up to 51,000 points by using 10x total points on travel and dining.
  5. The first checked bag is free.
  6. Every $2,000 spent in a calendar month earns you 500 bonus points.
  7. Earn 1 point for every dollar spent on everything else.


  • Excellent earnings potential
  • There are no foreign transaction fees.
  • Benefits for travelers, including Air Canada flyers.


  • Annual fee of $95
  • There are no non-travel benefits.

Best Credit Cards for Students-best credit cards

If you are a student, here are the best cards for students.

1. Discover it Student Cash Back-best credit cards

Here’s an excellent opportunity for students with average or limited credit to gain credit management experience. This card earns an “A” in our book because it has no annual fee, no penalty APR, and up to 5% cashback rewards in rotating categories (up to a quarterly cap with enrollment, 1 percent back on other purchases).


  • After enrollment, you will receive 5% cash back on rotating bonus categories.
  • Matching first-year cashback
  • To apply, you do not need a credit score.


  • The 5% bonus cashback rate is limited to $1,500 in spending per quarter.
  • The base reward rate is 1%.
  • Bonus categories must be activated on a quarterly basis.

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