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Best Credit Cards for May 2023

This month's best credit cards from our partners and the marketplace include features like a $200-300 cash bonus and no annual fee.

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Chase Freedom Unlimited®

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Up to $300 bonus offer and 1.5% cash back

INTRO OFFER 1.5% ? ? Up to $300 value
CASH BACK 1.5%-5% ? ? Unlimited on all purchases
ANNUAL FEE $0

Highlights

Click APPLY NOW to apply online
INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
Enjoy 6.5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
After your first year or $20,000 spent, enjoy 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.
No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!

Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.74% - 28.49%.
No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.

Click APPLY NOW to apply online
INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
Enjoy 6.5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
After your first year or $20,000 spent, enjoy 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.
No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.74% - 28.49%.
No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.

Apply Now at Chase
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Blue Cash Preferred® Card from American Express

Apply Now Terms and Conditions Apply
Rates & Fees

Welcome Offer: Earn $250 statement credit. Terms apply

Bonus Offer $250 ? ? in statement credit after $3,000 spend in the first 6 months
Cash Back 6% ? ? at U.S. supermarkets up to $6,000 per year in purchases, then 1%.
Annual Fee $0 ? ? for the first year, then $95

Highlights

Click APPLY NOW to apply online
Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
$0 intro annual fee for the first year, then $95.
Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
Low intro APR: 0% for 12 months on purchases from the date of account opening, then a variable rate, 18.99% to 29.99%
6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).

6% Cash Back on select U.S. streaming subscriptions.
3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
1% Cash Back on other purchases.
Get $7 back each month after using your Blue Cash Preferred Card to spend $12.99 or more each month on an eligible subscription to The Disney Bundle, which includes Disney+, Hulu, and ESPN+. Enrollment required.
Terms Apply.

Click APPLY NOW to apply online
Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
$0 intro annual fee for the first year, then $95.
Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
Low intro APR: 0% for 12 months on purchases from the date of account opening, then a variable rate, 18.99% to 29.99%
6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
6% Cash Back on select U.S. streaming subscriptions.
3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
1% Cash Back on other purchases.
Get $7 back each month after using your Blue Cash Preferred Card to spend $12.99 or more each month on an eligible subscription to The Disney Bundle, which includes Disney+, Hulu, and ESPN+. Enrollment required.
Terms Apply.

Apply Now Terms and Conditions Apply
Rates & Fees

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Bank of America® Customized Cash Rewards credit card

Apply Now or call Bank of America at
866-349-6262

Click here to apply now.</a>" style="color: #222222; background-color: #e8f6ec; border: 1px solid #c2e0c8;"> 200,206 readers have selected this card

$200 online cash rewards bonus offer and 3% cash back in choice category: gas, online shopping, dining, travel, drug stores or home improvement/furnishings

BONUS OFFER $200 ? ?
CASH BACK 3% ? ? on online shopping
BEST IN CLASS
ANNUAL FEE $0

Highlights

Click APPLY NOW to apply online or call 866-349-6262
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.
If you're a Preferred Rewards member, you can earn 25%-75% more cash back on every purchase. That means you could earn 3.75%-5.25% cash back on purchases in your choice category.

No annual fee and no expiration on rewards.
0% Introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 17.74% - 27.74% Variable APR will apply. A 3% fee applies to all balance transfers.
Contactless Cards - The security of a chip card, with the convenience of a tap.
This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

Click APPLY NOW to apply online or call 866-349-6262
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.
If you're a Preferred Rewards member, you can earn 25%-75% more cash back on every purchase. That means you could earn 3.75%-5.25% cash back on purchases in your choice category.
No annual fee and no expiration on rewards.
0% Introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 17.74% - 27.74% Variable APR will apply. A 3% fee applies to all balance transfers.
Contactless Cards - The security of a chip card, with the convenience of a tap.
This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

Apply Now or call Bank of America at
866-349-6262

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Bank of America® Travel Rewards credit card

Apply Now or call Bank of America at
866-408-2765

Online bonus points offer worth $250 toward travel purchases is highest for a no annual fee travel card.

BONUS OFFER 25,000 ? ?
REWARDS 1.5 points ? ? per $1 on all purchases
ANNUAL FEE $0

Highlights

Click APPLY NOW to apply online or call 866-408-2765
Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire.
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.
Use your card to book your trip how and where you want - you're not limited to specific websites with blackout dates or restrictions.
Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.

0% Introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 17.74% - 27.74% Variable APR will apply. A 3% fee applies to all balance transfers.
If you're a Preferred Rewards member, you can earn 25%-75% more points on every purchase. That means instead of earning an unlimited 1.5 points for every $1, you could earn 1.87-2.62 points for every $1 you spend on purchases.
Contactless Cards - The security of a chip card, with the convenience of a tap.
This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

Click APPLY NOW to apply online or call 866-408-2765
Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire.
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.
Use your card to book your trip how and where you want - you're not limited to specific websites with blackout dates or restrictions.
Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.
0% Introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 17.74% - 27.74% Variable APR will apply. A 3% fee applies to all balance transfers.
If you're a Preferred Rewards member, you can earn 25%-75% more points on every purchase. That means instead of earning an unlimited 1.5 points for every $1, you could earn 1.87-2.62 points for every $1 you spend on purchases.
Contactless Cards - The security of a chip card, with the convenience of a tap.
This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

Apply Now or call Bank of America at
866-408-2765

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Bank of America® Unlimited Cash Rewards credit card

Apply Now or call Bank of America at
888-333-3448

Unlimited 1.5% cash back on all purchases

Bonus Offer $200 ? ?
Cash Back 1.5% ? ? on every purchase
Annual Fee $0

Highlights

Click APPLY NOW to apply online or call 888-333-3448
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
Earn unlimited 1.5% cash back on all purchases.
If you're a Preferred Rewards member, you can earn 25%-75% more cash back on every purchase. That means you could earn 1.87%-2.62% cash back on every purchase with Preferred Rewards.
No annual fee.

No limit to the amount of cash back you can earn and cash rewards don’t expire.
0% Introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 17.74% - 27.74% Variable APR will apply. A 3% fee applies to all balance transfers.
Contactless Cards - The security of a chip card, with the convenience of a tap.
This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

Click APPLY NOW to apply online or call 888-333-3448
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
Earn unlimited 1.5% cash back on all purchases.
If you're a Preferred Rewards member, you can earn 25%-75% more cash back on every purchase. That means you could earn 1.87%-2.62% cash back on every purchase with Preferred Rewards.
No annual fee.
No limit to the amount of cash back you can earn and cash rewards don’t expire.
0% Introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 17.74% - 27.74% Variable APR will apply. A 3% fee applies to all balance transfers.
Contactless Cards - The security of a chip card, with the convenience of a tap.
This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

Apply Now or call Bank of America at
888-333-3448

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Blue Cash Everyday® Card from American Express

Apply Now Terms and Conditions Apply
Rates & Fees

Welcome Offer: Earn a $200 statement credit. Terms apply

BONUS OFFER $200 ? ? statement credit after $2,000 spend in the first 6 months
Cash Back 3% ? ? at U.S. supermarkets, U.S. online retail purchases and U.S. gas stations up to $6,000 per year in purchases, then 1%
Annual Fee $0

Highlights

Click APPLY NOW to apply online
Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
No Annual Fee.
Balance Transfer is back! Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 18.99% to 29.99% variable APR.
3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.

3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
3% Cash Back at U.S. gas stations, on up to $6,000 per year in purchases, then 1%.
Get $7 back each month after using your Blue Cash Everyday Card to spend $12.99 or more each month on an eligible subscription to The Disney Bundle, which includes Disney+, Hulu, and ESPN+. Enrollment required.
Terms Apply.

Click APPLY NOW to apply online
Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
No Annual Fee.
Balance Transfer is back! Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 18.99% to 29.99% variable APR.
3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
3% Cash Back at U.S. gas stations, on up to $6,000 per year in purchases, then 1%.
Get $7 back each month after using your Blue Cash Everyday Card to spend $12.99 or more each month on an eligible subscription to The Disney Bundle, which includes Disney+, Hulu, and ESPN+. Enrollment required.
Terms Apply.

Apply Now Terms and Conditions Apply
Rates & Fees

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Discover it® Cash Back

Apply Now Terms and Conditions Apply
Rates & Fees

Intro offer! Incredible unlimited CashBack Match™ your first year.

BONUS OFFER CashBack Match™ ? ? Discover will match all the cash back you've earned at the end of your first year.
CASH BACK 5% ? ? on rotating categories
ANNUAL FEE $0

Highlights

Click APPLY NOW to apply online
INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.

Every $1 you earn in cash back is $1 you can redeem.
Get a 0% intro APR for 15 months on purchases. Then 16.74% to 27.74% Standard Variable Purchase APR applies, based on credit worthiness.
No annual fee.
Click through to Discover’s website to see terms and conditions.

Click APPLY NOW to apply online
INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
Every $1 you earn in cash back is $1 you can redeem.
Get a 0% intro APR for 15 months on purchases. Then 16.74% to 27.74% Standard Variable Purchase APR applies, based on credit worthiness.
No annual fee.
Click through to Discover’s website to see terms and conditions.

Apply Now Terms and Conditions Apply
Rates & Fees

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Best Credit Cards of 2022

Shopping around for the best credit card offers in 2022 is important if you want to get the most out of your credit card. There are a lot of features to compare when deciding on the best credit card for you, including signup bonus offers, cashback on purchases, travel rewards and perks, balance transfer offers, annual fees, and more. And, according to Experian, only 56.3% of Americans compare credit card offers before completing applications, while only 16.5% of those surveyed review the cards and their terms annually.

You might think the card you’ve been carrying for 10 years is the best, but there’s a chance you could get a whole lot more out of a new credit card offer.

What to Consider as You Shop for Credit Cards

Shopping around for the best credit cards doesn't have to be time consuming. That is why Wise Bread has your back, to help you maximize rewards while also making a sound financial decision that will protect you from hidden fees, high-interest charges, and overall bad deals.

Ask yourself this question first: What will you use the card for? Are you going to use it for everyday spending or to consolidate debt? If you're going to use it for your day to day spending, you'll want to keep your eye out for the best cash back credit cards for the categories you spend the most in — like entertainment, travel, or dining.

Are you trying to consolidate debt? The best credit card for you to look out for is a balance transfer card — even better if it also happens to offer a credit card rewards program so you can get the most bang for your buck.

The next thing you need to consider is your credit score. The companies offering the best signup bonus credit cards are usually very transparent about the type of financial risk they're willing to take. You can save yourself a lot of stress, as well as additional dings to your credit score, by only applying for programs you're relatively sure you'll be approved for.

Once you have a good idea of what you're looking for, you can use Wise Bread's picks of the best credit cards above to see if there's a new deal to suit your needs this month. And, don't worry — we update the list regularly.

How Did We Choose the Best Credit Card Rewards Offers?

We wanted to do some of the leg work for you, so our team of dedicated credit card reviewers and personal finance professionals took a look at dozens of listings that claimed to be the best credit card offers in 2022. Some weren't that great, but the ones we've chosen definitely stood out from the rest.

Our favorite features include:

0% introductory APR rates for anywhere from the first 12 to 18 billing cycles
Extra perks like free access to your FICO score
No annual fees
Large Signup Bonus Offers
New cash back bonuses worth hundreds of dollars
As much as 6% cash back on everyday purchases

How to Apply

It's easy to apply for any of the best credit cards on our list:

Click the green “Apply Now” button on any of our offers to go directly to the provider's secure website.
Once you've landed on the application page, make sure you take a few moments to confirm the terms you're applying for and read any additional fine print about the credit card rewards and their details.
Fill in your information.
Apply for the best cash back credit cards that are most likely to suit your lifestyle.

You have tons of options to consider when it comes to the best credit cards.

Once you've chosen the best credit card for you, you'll be well on your way to earning extra cash rewards, miles, and some pretty great credit card perks.

Editorial Disclaimer: Any opinions expressed are those of the author's alone, and have not been reviewed, approved, endorsed, or provided by the issuer.