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A new year can be an exciting time to browse the best credit card offers. If you plan it just right, one of these offers can help you travel more often and put extra cash in your pocket. Here are some of the best credit card offers in 2023 for travel, cash back, and business credit cards.

best credit card offers in 2023
One of these best credit card offers in 2023 can help you visit the Carlton Cannes, Romeo Balancourt, a Regent Hotel. Credit: IHG

Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.

Best Travel Credit Card Offers

Travel rewards credit cards are an exciting opportunity as you can earn an introductory spending bonus and enjoy a series of ongoing perks like travel credits, complimentary loyalty status benefits, and built-in travel insurance benefits.

Chase Sapphire Preferred Card

The Chase Sapphire Preferred® Card signup bonus is 60,000 Ultimate Rewards after making $4,000 in purchases during the first 3 months. This bonus is worth up to $750 in award travel.

Notable benefits include:

  • Earning up to 5x Ultimate Rewards on purchases
  • 25% point redemption bonus on award travel through Chase Ultimate Rewards
  • 1:1 airline and hotel point transfers
  • Annual $50 statement credit on hotel bookings through Chase Ultimate Rewards
  • 10% bonus points on each account anniversary for the past 12 months of purchases

The annual fee is $95.

Related: Is the Chase Sapphire Preferred Still Worth It in 2023?

Citi Premier Card

The Citi Premier® Card is offering 60,000 bonus ThankYou points after spending $4,000 in the first 3 months for an $600 redemption value.

Ongoing card benefits include earning up to 3x points on purchases, up to $100 in annual hotel savings, and 1:1 airline point transfers.

The annual fee is $95.

Related: Citi Premier Review

The Platinum Card from American Express

The Platinum Card® from American Express is one of the best credit cards for luxury travel as you can enjoy many air travel, hotel, and car rental perks. The welcome offer is 80,000 Membership Rewards after spending $6,000 in the first six months.

The annual fee is $695 (See Rates & Fees), but the perks are worth a lot more for frequent travelers. 

Learn more: Johnny Jet Recommended Credit Cards

Some of the most valuable benefits include:

  • Global Lounge Collection airport lounge benefits
  • Up to $200 annual airline fee credit
  • Up to $200 in Uber Cash per year
  • Earn up to 5x Membership Rewards on purchases
  • 1:1 airline and hotel point transfers
  • Hotel statement credits and on-site experience credits

Related: American Express Platinum Card Review

American Express Gold Card

The American Express® Gold Card balances travel and dining rewards while earning Membership Rewards which are most valuable when redeemed for flights or gift cards. New cardholders can earn 60,000 bonus points ($600 value) after spending $4,000 in the first 6 months although you may pre-qualify for a bigger payout through the CardMatch tool.

Learn more: Johnny Jet Recommended Credit Cards

Dining benefits include up to $120 in Uber Cash per year, up to $120 in dining statement credits, plus the ability to earn up to 4x points on dining and at U.S. supermarkets (on up to $25,000 per calendar year in purchases at U.S. supermarkets, then 1X).

Travel benefits include a $100 experience credit on qualifying hotel stays and 3x Membership Rewards on eligible flight bookings.

The annual fee is $250 (See Rates and Fees).

Related: American Express Gold Card Review

Capital One Venture X Rewards Credit Card

The Capital One Venture X Rewards Credit Card offers a 75,000-mile early spend bonus after spending $4,000 within the first 3 months. This bonus is worth up to $750 in travel statement credits, upcoming award travel, and potentially more with the 1:1 point transfer partners.

This card is a good alternative to the Amex Platinum as it has a more affordable $395 annual fee and includes several similar benefits including an annual $300 Capital One Travel statement credit and complimentary airport lounge access (Capital One Lounge and Priority Pass). You will also receive 10,000 bonus miles each card anniversary and earn up to 10x points on travel.

Related: Capital One Venture X Rewards Review

Cash Back Credit Card Offers

The best credit card offers of 2023 aren’t limited to travel cards. A cash back credit card can also offer a valuable bonus that helps put money back into your pocket. These bonuses have lower spending requirements than travel credit cards, and you usually won’t pay an annual fee.

Related: Best No Annual Fee Credit Cards

Chase Freedom Flex

The Chase Freedom Flex℠ lets you receive a $200 cash bonus after spending $500 in the first three months. You will earn 5% back on the first $1,500 in combined spending on rotating quarterly categories and at least 1% back on all remaining purchases.

You may also like this card as it earns Chase Ultimate Rewards that you can pool with your Chase Sapphire. Additionally, its annual fee is $0.

Related: Why You Should Get the Chase Freedom Flex

Citi Custom Cash Card

The Citi Custom Cash℠ Card gives out a $200 cash bonus after spending $1,500 in the first six months.

You will earn up to 5% back on your highest eligible spend category each billing cycle and 1% on your remaining purchases. There is no annual fee.

Related: Citi Custom Cash Card Review

Business Credit Cards

Small business owners can also earn valuable signup bonuses. Here are the best credit cards offers in 2023 for business cards.

Ink Business Unlimited Credit Card

The $0-annual-fee Ink Business Unlimited® Credit Card currently offers its highest-ever signup bonus. You can earn a $900 bonus cash after spending $6,000 in the first three months. This card earns unlimited 1.5% back on purchases.

Related: Best Chase Business Credit Cards

Ink Business Cash Credit Card

If you prefer a tiered rewards credit card, the Ink Business Cash® Credit Card is offering a similar $900 best-ever signup bonus (earned after spending $6,000 in the first 3 months). Instead of earning a flat rate, qualifying purchases earn 5% and 2% back plus 1% on all remaining spending. There is no annual fee.

Related: Ink Business Cash Card Review

The Business Platinum Card from American Express

The Business Platinum Card® from American Express lets new accounts earn 120,000 Membership Rewards ($1,200 value) after spending $15,000 in the first 3 months.

Its travel benefits are similar to the consumer version of the Amex Platinum as you get travel credits, airport lounge access, and accelerated loyalty status. It’s also possible to get up to 35% of redeemed points back on award flights and business purchase statement credits.

The annual fee is $695 (See Rates & Fees).

Related: The Business Platinum Card from American Express Review

Summary

In conclusion, the best credit card offers in 2023 come with flexible redemption options and valuable everyday benefits. Looking for limited-time or record-high bonus offers is also worth pursuing to optimize your spending strategy.

Related Articles: 

For rates and fees of The Business Platinum Card® from American Express, please click here.

For rates and fees of The Platinum Card® from American Express, please click here.

And for rates and fees of the American Express® Gold Card, please click here

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