9 Best Credit Cards of March 2023

From huge sign-up bonuses to generous rewards, My Millennial Guide's best credit cards outshine the rest. Compare these deals from our partners to find one that fits your needs.

Disclosure: We may receive a commission when you click on our links, but this is at no extra cost to you. Read our privacy policy for more information.

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Best Credit Card Offers

Annual Fee: $695
Regular APR: See Pay Over Time APR

  • INTRO OFFER: Earn 80,000 Membership Rewards® Points after you spend $6,000 on purchases on your new Card in your first 6 months of Card Membership.
  • Up to $200 in annual credit for airline incidental fees
  • Up to $200 in Uber cash for rides
  • Up to $200 in annual hotel credit
  • Up to $300 Equinox credit
  • Up to $240 in digital entertainment credit
  • $189 Clear credit
  • Reimbursement of application fees for TSA Precheck or Global Entry
  • Up to $100 in statement credits annually at Saks Fifth Avenue

on American Express's secure website, or call (866) 512-6673

Annual Fee: None
Regular APR: 16.24% – 27.24% Variable APR
Intro APR: 0% on Purchases and Balance Transfers for 15 months

  • INTRO OFFER: Get $50 statement credit after your first purchase within 90 days. Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate.
  • Plus, earn unlimited 1% cash back on all other purchases – automatically.

 on Discover's secure website, or call (800) 347-0264

Best Offers

Annual Fee: None
APR: 8.99% – 22.90% Variable APR

  • INTRO OFFER: $200 bonus when you open a Rewards Checking account and make 3 debit card transactions
  • Unlimited cash back on payments: 3% on Home, Auto, and Health categories and 1% on everything else
  • No fees: no annual fee, no application fee
  • Use wherever Visa® is accepted.

on Upgrade's secure website, or call (844) 319-3909

Best Secured Credit Card for Building Credit

Annual Fee: $35
Regular APR: 17.39% Variable APR
Intro APR: N/A

  • Best secured credit card for those looking to build credit from scratch or rebuild credit after a bad setback.
  • You don't have to undergo a credit check to apply, and you don't need a bank account to qualify.
  • You can make your deposit — minimum $200, maximum $3,000 — and pay your bills with a debit card, wire transfer, check or money order, making it one of the few secured cards that doesn’t require a traditional bank account.

on Capital Bank's secure website, or call (607) 737-3711

Best Cash Back Credit Card

Annual Fee: None
Regular APR: 17.99% Variable APR

  • INTRO OFFER: 15,000 Bonus Points when you spend $1,500 in first 90 days.
  • 0% introductory APR for 12 months on balance transfers made in the first 90 days after account opening. After that, the APR for the unpaid balance and any new balance transfers will be a non-variable rate of 17.99%
  • 5x Points on gas paid at the pump and EV charging stations.
  • 3x Points at the supermarket (including most Target and Walmart locations), restaurants, and TV, radio, cable, streaming services.
  • 1x Points on all other purchases.
  • You won't have to pay an annual fee to enjoy all the great features that come with your PenFed card.

on PenFed's secure website, or call 1 (800) 247-5626

Annual Fee: None
Regular APR: 8.99% – 29.99% Variable APR

  • INTRO OFFER: $200 bonus when you open a Rewards Checking account and make 3 debit card transactions¹
  • The new Upgrade Bitcoin Rewards Card earns 1.5% back in Bitcoin and comes with Visa Signature benefits.
  • Affordable monthly payments with no annual fee
  • Use wherever Visa® is accepted with safe and fast contactless card technology

on Upgrade's secure website, or call (844) 319-3909

Annual Fee: None
Regular APR: 13.99% – 23.99% Variable APR
Intro APR: 0% on Purchases and Balance Transfers for 15 months

  • INTRO OFFER: Earn a $100 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
  • 3% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% Cash Back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.

on American Express's secure website, or call (866) 512-6673

Best Balance Transfer Credit Card

Annual Fee: None
Regular APR: 12.99% to 23.99%
Variable APR
Intro APR: 0% on Purchases and Balance Transfers for 15 months

  • INTRO OFFER: Earn 10,000 Membership Rewards® Points after you use your new Card to make $1,000 in purchases in your first 3 months. Plus, 0% intro APR on purchases and balance transfers for 15 months, then a variable APR, 12.99% to 23.99%
  • $0 balance transfer fee. Balance transfers must be requested within 60 days from account opening.
  • 2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x); 1x points on other purchases.

on American Express's secure website, or call (866) 512-6673

Best Student Credit Card

Annual Fee: None
Regular APR: 13.99% to 22.99%
Variable APR
Intro APR: 0% on Purchases and Balance Transfers for 12 months

  • INTRO OFFER: As a new member, you can earn $500 in cashback rewards towards any eligible student loan after you spend $5,000 in the first 90 days with your Laurel Road Student Loan Cashback℠ card.
  • Now every dollar you spend can help you pay down your student loans when you redeem 2% cashback towards your loans with any eligible servicer.
  • Or, you can redeem 1% cashback towards anything else.

on Laurel Roads's secure website, or call (877) 292-6845

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Disclaimers:

¹To qualify for the welcome bonus, you must open and fund a new Rewards Checking account and make 3 qualifying debit card transactions from your Rewards Checking account within 60 days of the date the Upgrade Card account is opened. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade VISA® Debit Card Agreement and Disclosures for more information. Your Upgrade Card and Rewards Checking account must be open and in good standing to receive a bonus. If you have previously opened a Rewards Checking account or do not open one as part of this application process, you are not eligible for this welcome bonus offer. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking account as a one-time payout credit within 60 days after the 3rd qualifying card purchase. 

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About the author

Brian Meiggs
Brian Meiggs is a personal finance expert, and the founder of My Millennial Guide, a personal finance site helping you put more money in your pocket. He helps millennials follow the smart money in order to increase their earning potential and start building wealth for the future. He regularly writes about side hustles, investing, and general personal finance topics aimed to help anyone earn more, pay off debt, and reach financial freedom. He has been quoted as a top personal finance blogger in major publications including Yahoo! Finance, NASDAQ, Discover, MSN Money and more.

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