Top 5 Credit Cards by Category [2023]

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Credit cards have become an indispensable tool for millions of individuals worldwide, offering convenience, flexibility, and a range of benefits that cater to various lifestyles and financial needs. We at Stack Stashers love getting points that translate to cash back in our pockets.

As we embark on the year 2023, the credit card market continues to evolve, presenting consumers with a myriad of options and enticing rewards programs. To navigate through this vast landscape and find the perfect credit card that aligns with your specific requirements, it’s crucial to explore the top contenders in each category. Please note that credit card offers are subject to change, and it’s important to review the terms and conditions of each card before applying to ensure it aligns with your individual needs and financial situation. We do our best to stay on top of changes and will update this post as often as necessary to keep it up to date.

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Best 0% APR (Zero-interest) Credit Cards

Capital One SavorOne Rewards Credit Card – 0% APR for 15 months. You can also get a $200 cash bonus if you spend $500 using this credit card within 3 months. Regular APR after that is 19.74%, 24.74%, or 29.74%, variable.

Chase Freedom Unlimited Credit Card – 0% APR for 15 months. Regular APR after that is 19.74% – 28.49%, variable.

Best Airline & Travel Credit Card

Chase Sapphire Preferred Credit Card – You get 5x on travel, 3x on dining, and 2x on all other travel purchases. There is also a bonus of 80,000 points (worth $800 cash) when you spend $4,000 within 3 months.

Best Cash Back Credit Cards

Capital One SavorOne Rewards Credit Card – You get 10% back on Uber and Uber Eats purchases, 5% back on hotels and rental cars, 3% on dining, entertainment, streaming services, grocery stores, and 1% on everything else.

Best Gas Credit Card

Discover It Secured Credit Card – You can earn 2% back at gas stations and restaurants for up to $1,000 in purchases total each quarter. No annual fee.

Best Secured Student Credit Card

Discover It Secured Credit Card – There is a bonus offer where Discover will match all of the cash back you’ve earned from the card during your first year, with no maximum cap. No annual fee.