Top 2 Credit Cards of 2023
Want free money, want 0% interest for 15 months? These two cards are the best in the market currently. Free money almost sounds too good to be true, but that’s essentially what you get! Usually, you’ll have to spend a certain amount in a set amount of time (ex: spend $500 in 3 months) to receive your bonus. So if you know you have recurring payments, like utility bills, phone bills, etc. then you could cover those bills with your new credit card to meet the spending requirement 💡
0% interest in this economy!? Yes. - Imagine a year without the weight of interest (typical credit card interest could be 28%) dragging down your financial progress. With a 0% interest offer for 15 months, you have the power to break free from the interest cycle, allowing you to pay off higher-interest debt faster, save more money, or invest that money into another idea.
More Benefits: Balance transfers - One of the primary advantages of balance transfers is the opportunity to move high-interest debt from one credit card to another with a lower interest rate (with these CCs that would be 0% for 15 months). This can significantly reduce the overall cost of your high-interest debt. Balance transfers usually come with a fee (ex: a 3% fee on the amount transferred).
To Qualify - After reading the descriptions below and clicking the links, you’ll be taken to the bank’s website to see if you qualify. You’ll enter your personal info and they’ll run a credit check, check outstanding debt, etc. The process usually takes 10 minutes and you’ll have your approval answer ⚡
To Remember - the 0% interest rate is an introductory rate for purchases and balance transfers. After the time period ends interest will accrue at the rate you qualify.
Our favorite card because of its $200 new member bonus, 1.5% cash back on all purchases, and a 15-month 0% APR on new purchases. The signup process is incredibly simple and fast. The Capitol One app is also very easy to use; when in the app or website navigating for things like auto-pay, viewing recent transactions, and redeeming cash-back points are incredibly easy. Cool features in the app include credit score updates, and special Capitol One offers to businesses for groceries, travel, and food.
#1. Capitol One QuickSilver
Our 2nd favorite card, and just barely. Also has a $200 new member bonus, 1.5% cash back on all purchases, and a 15-month 0% APR on new purchases. What makes this 2nd place is the ease of use of the app - from our experience, it’s not quite as intuitive as the Capitol One app. Cool features in the app include credit score updates, and special Chase offers to businesses for groceries, travel, and food.
#2. Chase Freedom Unlimited
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*Writing as of October 25, 2023. These promotions and rates could change after publication. Please do your own research and this should not be taken as financial advice.