Credit cards are an essential part of our daily lives, and choosing the right one can make a significant difference in terms of rewards and benefits. With the ever-evolving credit card market, it can be challenging to keep up with the latest offers and promotions. That’s why we’ve compiled a list of the best credit cards of January 2023 in the USA, to help you make an informed decision and find the perfect card for your needs.
Best Cashback Credit Card:
The Citi Double Cash Card is the best cashback credit card of January 2023 in the USA. This card offers a flat 2% cashback on all purchases, with no annual fee. The cashback rewards are earned in the form of statement credit, and there’s no limit to the amount of cashback you can earn. Additionally, the card offers 18 months of 0% introductory APR on balance transfers, making it an excellent choice for those looking to transfer high-interest credit card balances.
Best Travel Rewards Credit Card:
The Chase Sapphire Preferred Card is the best travel rewards credit card of January 2023 in the USA. This card offers a generous sign-up bonus of 80,000 points after spending $4,000 in the first 3 months, which can be redeemed for $1000 in travel through the Chase Ultimate Rewards program. Additionally, cardholders earn 2 points per $1 spent on travel and dining, and 1 point per $1 spent on all other purchases. The card also offers 25% more value when redeeming points for travel through the Chase Ultimate Rewards program.
Best Low Interest Credit Card:
The Discover it Balance Transfer Card is the best low-interest credit card of January 2023 in the USA. This card offers 0% introductory APR on balance transfers for 18 months, allowing cardholders to transfer high-interest credit card balances and pay them off at a lower rate. Additionally, the card offers a cashback rewards program, with 5% cashback on rotating categories and 1% cashback on all other purchases. The card also offers a unique feature where Discover matches all cashback earned in the first year, making it an excellent choice for those looking to save money on interest and earn cashback rewards.
Best Student Credit Card:
The Discover it Student Cash Back Card is the best student credit card of January 2023 in the USA. This card offers a cashback rewards program, with 5% cashback on rotating categories and 1% cashback on all other purchases. Additionally, the card offers a unique feature where Discover matches all cashback earned in the first year, making it an excellent choice for students looking to earn cashback rewards. The card also offers a 0% introductory APR on balance transfers for six months, making it an excellent choice for students looking to transfer high-interest credit card balances.
Best Business Credit Card:
The American Express Blue Business Cash Card is the best business credit card of January 2023 in the USA. This card offers a cashback rewards program, with 2% cashback on all purchases up to $50,000 per calendar year, and 1% cashback on all purchases after that. Additionally, the card offers a 0% introductory APR on purchases and balance transfers for 12 months, making it an excellent choice for small business owners looking to save money on interest and earn cashback rewards.
Conclusion:
Choosing the right credit card can make a significant difference in terms of rewards and benefits. With the ever-evolving credit card market, it can be challenging to keep up with the latest offers and promotions. That’s why we’ve compiled a list of the best credit cards of January 2023 in the USA, to help you make an informed decision and find