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Forbes Advisor evaluated over 100 credit cards in 2023 within their respective categories, including cash-back credit cards, travel cards, flexible rewards cards, business credit cards, student cards and cards with 0% APR offers.

For each card, we gathered information that potential cardholders would use in their decision-making process, including:

• Annual fees
• Reward earning rates and values
• Welcome bonuses
• Interest rates and/or promotions
• Card benefits, credits and perks
• Consumer protections

These factors allowed us to compare cards objectively. Important characteristics were weighted more heavily than features only some cardholders may use in order to develop a star rating between 1 and 5, where a score of 5 is the best. These scores allowed us to rank them based on their terms and features and select the top-performing cards of 2023 for this list.

To learn more about our rating and review methodology and editorial process, check out our guide on How Forbes Advisor Rates Credit Cards..

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