The 6 Best Everyday Credit Cards of 2023
6 min read
There are many types of credit cards on the market, and it can be hard to know which one is right for you. Sadly, choosing a card that does not match your lifestyle can lead to thousands of debt.
The average person in the US has around $6,198 in credit card debt. So if you’re one of the many Americans struggling with credit card debt, you might seek a way out. One way to do this is by getting prepaid cards while you work on repairing your credit score.
But how can you bounce back and achieve the perfect credit score? Let’s find out.
Credit Repair Services: Improving Your Credit Score in No Time
Everyday credit cards are a great way to get started with credit repair. The top-rated credit repair can help you get the perfect credit score possible and access better interest rates and terms. Using everyday cards along with applying for credit repair services works wonders in getting the perfect credit score.
Credit repair services help people improve their credit scores in multiple ways. For starters, credit repair professionals carry out credit counseling. They help you analyze your credit score and propose strategic solutions to improve it.
Furthermore, credit repair services help dispute errors on your credit report and try to negotiate with creditors to have negative marks removed.
While you can handle these tasks on your lonesome, these companies take the hassle away from trying to settle financial disputes, helping you achieve the perfect credit score.
Best Everyday Credit Cards of 2023 You Can Find
No matter what your financial goals are, there’s a credit card on this list that can help you achieve them. Our list consists of various cards that offer different benefits so that you can find the perfect one for your needs. So, here are the 6 best everyday credit cards without further ado.
Blue Cash Everyday® Card From American Express
The Blue Cash Everyday® Card from American Express is a great option for cashback rewards. With this card, you can earn 3% cash back at American supermarkets (on up to $6,000 per year in purchases, then 1%).
Also, a 3% cash back at U.S. gas stations and select U.S. department stores, and 1% cash back on other buys. You can also earn a $150 statement credit after you spend $1,000 for the first 3 months.
This card has no annual fee, and you can get a 0% introductory APR on purchases. It also includes the balance transfers for the first 15 months (then a variable APR of 17.74% – 28.74%). Blue Cash every day is the best bet if you’re looking for a cashback credit card with 0% intro APR.
Wells Fargo Autograph Card
The Wells Fargo Autograph card is a credit card that can help you improve your credit score. The card is offered by Wells Fargo, one of the largest banks in the United States.
The Well Fargo Autograph Card they issue helps you get great credit scores for its 0% intro APR for 12 months. This is why it is an excellent option for cheap credit repair options. But afterward, an 18.74%, 23.74%, or 28.74% variable APR will apply.
The card also has a rewards program, which gives you 30,000 points in the first 3 months of $1,500 purchases. In addition, you can also earn 3X unlimited points in many different categories. These categories include travel, restaurant, gas, transit, streaming services, and phone plans. Plus, you can also earn 1X points on other purchases.
Capital One® VentureOne® Rewards Credit Card
The Capital One VentureOne Rewards Credit Card is a great choice for those who want to earn rewards on their everyday spending. With this card, you’ll earn 1.25 miles per dollar on purchases. But you can earn 5 miles per dollar on hotels and rental cars.
There is no cap on the number of rewards you may receive. This means you can earn many rewards that you can use for travel, shopping, or anything else you want.
You’ll also get a 0% intro APR on purchases and balance transfers for the first 15 months. A 17.99% – 27.99% variable APR will apply after the first 15 months. There’s a 3% fee on the amounts transferred within the first 15 months. But you can also get a 20,000-mile bonus if you spend $500 in the first 3 months.
This card has many incredible benefits which you can use to repair your bad credit history. With this card, you’ll also get a $0 annual and no foreign transaction fees.
U.S. Bank Visa® Platinum Card
The U.S. Bank Visa® Platinum Card offers a variety of benefits that can help you save money and earn rewards. With this card, you’ll earn 5% cash back on gas and groceries. You’ll also get a 0% intro APR on purchases and balance transfers for the first 18 months. After that, the APR is variable between 18.24% to 28.24%.
Other features and benefits include;
- No annual fee
- Earn 5x points on travel and dining purchases
- No foreign transaction fees
- Complimentary concierge service
- 24/7 customer service
- You can also take advantage of exclusive savings and discounts at participating merchants.
To use this card, simply swipe it when you make a purchase. Depending on the merchant, you may also be able to use it for online or telephone purchases.
When you use the card, you’ll earn rewards points you can redeem for cash. You can deposit your rewards points into your U.S. Bank checking or savings account.
Chase Freedom Flex℠
Chase Freedom Flex℠ is a cashback credit card that offers a straightforward way to earn rewards. Each quarter you activate, you’ll receive 5% cash back on up to $1,500 in combined purchases in bonus areas. You can activate the quarter by logging in to your account on Chase’s website or mobile app.
You’ll also get 5% back on Chase travel bookings. You also get a 3% cash back on dining and drugstore purchases and 1% on all other purchases. There’s no annual fee for this card. You can also earn a $200 welcome bonus after the first $500 spent on purchases in the first 3 months.
There’s a 0% intro APR for the first 15 months of account opening on purchases and balance transfers. After the intro period, an APR of 17.99%–26.74% applies.
The Chase Freedom Flex cashback rewards do not expire, and there is no minimum amount to redeem. So chase freedom flex is an excellent option for someone who needs credit repair services.
Discover it® Secured Credit Card
The Discover it® Secured Credit Card is a great option for those who need credit repair or are rebuilding their credit. This card offers many benefits that can help you on your journey to financial health. It is one prepaid credit card that reports your credit history to all 3 major credit bureaus.
As you use the card wisely and make on-time payments, you will be building your credit history. This will help you get the perfect credit score possible. Also, the Discover it® Secured Credit Card offers a cashback program. It includes;
- No annual fee
- 0% APR for the first year
- You can earn 2% cash back at gas stations and restaurants. This includes up to $1,000 in combined purchases each quarter.
- 1% cash back on all other purchases indefinitely
The minimum security deposit is $200, and the maximum is $2,500. To use the card, you must first make a security deposit. Your credit limit will be this deposit. Once you have deposited, you can use the card like any other credit card.
End Note
There are a lot of great everyday credit cards out there, but these six are the best of the bunch. All of these cards offer excellent benefits and are perfect for everyday use. Many of their benefits include 0% intro APR, a cash back bonus, and the ability to repair your credit.
Check them out one after the other; one of these cards is sure to be right for you.
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