The Best Cash Back Credit Cards for 2023

Are you looking for the best cash back credit cards for 2023? Credit cards with cash back rewards can be a great way to save money, earn points and even get free travel. With so many different options on the market, though, it can be hard to know which one is right for you. To obtain the best rewards card, we looked into a host of criteria that include cash-back incentives, yearly fees, how to redeem rewards, earn cash rewards, welcome bonus offers and introductory/normal APR rates. We also examined the balance transfer costs and foreign transaction fees associated with each credit card to identify which one would be ideal for you.

To help make your decision easier, we’ve done the research and compiled a list of some of the top cash back credit card available in 2023. Read on to learn more about these offers and find out which card is best suited to your needs!

Citi® Double Cash Card

Citi® Double Cash Card is one of the best cash back credit cards for 2023. With no annual fee and no limitations on the amount of cash back you can earn, this card offers an easy way to save money while making everyday purchases. Not only will you earn 1% cash back when you buy, but also an additional 1% when you pay off your purchases. This means that if you use the card responsibly, you could save up to 2% on every purchase that you make with the Citi® Double Cash Card.

In addition to its generous cash back rate, Citi® Double Cash Card also offers an introductory APR of 0% for 18 months on balance transfers. During this period, there is a 3% Intro fee which applies to each transfer (with a minimum of $5). After the 18-month period ends, the variable APR will be 18.49%-28.49%, based on your creditworthiness. Although balance transfers do not earn cashback rewards, it can still be great for those looking to reduce debt or consolidate payments into one easy payment option.

Capital One SavorOne Cash Rewards Credit Card

The Capital One SavorOne Cash Rewards Credit Card is the perfect choice for anyone looking to maximize their cash back on everyday purchases in 2023. With unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores, plus 1% on all other purchases, you’ll be sure to rack up rewards quickly.

The Capital One SavorOne Cash Rewards Credit Card is a great choice for those looking to get more reward value from their everyday spending in 2023. With its generous cash-back structure and introductory offers, it’s hard not to recommend this card as a top choice for getting more out of your credit cards spending this year.

Chase Ultimate Rewards®

Chase Ultimate Rewards® is one of the best cash back credit cards for 2023, offering cardholders a generous bonus and up to $800 total cash back. With no annual fee and 0% intro APR on purchases and balance transfers, it’s an ideal option for those looking to maximize their rewards.

Plus, you can earn 5% cash back at grocery stores (excluding Target® and Walmart®) on up to $12,000 spent in the first year – that’s an additional $600 in savings! And with unlimited 1.5% or more cash back earned on all purchases such as 3% bonus cash on dining and drugstores plus 5% travel purchased through Chase – you’ll be able to maximize your earnings potential even further!

Blue Cash Preferred® Card from American Express

The Blue Cash Preferred® Card from American Express is a great choice for anyone looking for one of the best cash back credit cards for 2023. With this card, you can take advantage of an incredibly attractive 0% introductory APR on purchases and balance transfers for 12 months from the date of account opening, followed by a variable APR, 18.49% to 29.49%. In addition, there are no fees on plans created during the first 12 months from the date of account opening with the Buy Now, Pay Later intro Plan It feature. Moreover, you can also earn even more cash back when Additional Card Members make eligible purchases with their own Card. Cash rewards are then received in the form of Reward Dollars that can be used as statement credit.

The Blue Cash Preferred® Card from American Express offers some truly unique benefits that make it an exceptional cash back credit card option for 2023. For starters, its generous 0% introductory APR enables cardholders to pay no interest on their balances in the first year after opening their accounts. Furthermore, its Buy Now, Pay Later plan allows customers to enjoy fee-free financing on up to 12-month installment plans for purchases made within the first year of owning the card. Additionally, users can also earn additional cash rewards through their Additional Card Members’ eligible purchases with their own cards – making it a great way to maximize your earning potential!


Choosing the right cash back credit card for 2023 can be a daunting task. With so many options on the market, it’s important to do your research and find one that best suits your spending habits and needs. From introductory APR offers, bonus cash rewards, to flat rate cash, each of these cards offer unique benefits that could help you maximize your earning potential in the coming year. Whether you prefer no annual fee or want to take advantage of additional rewards from Additional Card Members, there is sure to be a great option out there for everyone!

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