Hottest Credit Cards of 2023: Top 10 Must-Have Cards Revealed!

Intro

Hey there, savvy spenders! Welcome back to High Excess, where we will uncover the
best credit cards that 2023 has to offer. Today we're diving into the top 10 credit
cards that will take your financial game to the next level. From exclusive perks to
irresistible rewards, these cards have it all. So, if you're ready to unlock a world
of benefits and make your wallet smile, let's jump right into the countdown of the 10
best credit cards of 2023!"

#1 Discover it Secured Credit Card

Let’s kick off our exciting countdown of the best credit cards in 2023 with a game-
changer in the secured credit card category—the remarkable Discover it Secured
Credit Card. Get ready to unlock financial possibilities and rebuild your credit like
a pro!

In the world of secured credit, the Discover it Secured Credit Card soars above the
competition. Not only does it offer an unlimited 1% cash back on all purchases, but
it also grants an impressive 2% cash back at gas stations and restaurants, up to
$1,000 in combined purchases each quarter. And the icing on the cake? No penalty APR
and no annual fee—truly a winning combination for those seeking credit rebuilding
options.

This card boasts no annual fee, relieving you of any additional financial burden.
Furthermore, earning cash back rewards on a secured card is a rarity, making the
Discover it Secured Credit Card truly exceptional. Additionally, you'll gain monthly
access to your free FICO score, providing valuable insights into your credit health.

But what truly sets this card apart is the Cashback Match feature. At the end of your
first year, Discover will match all the cash back rewards you've earned, effectively
doubling your rewards. It's like hitting the jackpot for responsible credit behavior!
Lastly, remember that a secured card requires a refundable deposit, which determines
your credit limit. Starting at $200, your credit line will equal your deposit amount!

#2 Blue Cash Preferred Card from American Express

Up next, we have the credit card that will revolutionize your grocery shopping
experience! Coming in hot as our top choice for groceries is the extraordinary Blue
Cash Preferred Card from American Express. Prepare to unlock a world of impressive
cash back rewards!
For big spenders at U.S. supermarkets and road warriors who frequently fuel up at
U.S. gas stations or utilize various modes of transit like taxis, rideshares, or
trains, this card is an absolute game-changer. It allows you to accumulate impressive
cash back rewards effortlessly!

So let's dive into the reasons why we believe it's one of the best credit cards out
there

First off, as a welcome bonus, you'll earn a generous $250 statement credit after
spending $3,000 on your new Card within the first 6 months. Talk about a fantastic
way to kickstart your cash back journey! And to sweeten the deal, the Blue Cash
Preferred Card offers a $0 introductory annual fee for the first year, followed by a
$95 annual fee.

Furthermore, you'll earn a whopping 6% cash back at U.S. supermarkets on up to $6,000

in purchases per year (then 1%). That's a remarkable opportunity to maximize your
rewards while stocking up on groceries. On top of that, you'll enjoy 6% cash back on
select U.S. streaming subscriptions, catering to your entertainment needs.

This card also offers 3% cash back at U.S. gas stations and on transit, which
includes taxis, rideshares, parking, tolls, trains, buses, and more. Plus, you'll
earn 1% cash back on all other purchases. It's a comprehensive cash back structure
designed to reward your spending habits.

And the icing on this sweet little cake? You'll also benefit from a low introductory
APR of 0% on purchases and balance transfers for the first 12 months from the date of
account opening. After that, the variable APR will range from 18.99% to 29.99%. Rest
assured, the variable APRs will not exceed 29.99%.

So, if you're a savvy shopper seeking impressive cash back rewards on groceries,
streaming subscriptions, gas stations, and transit expenses, the Blue Cash Preferred
Card from American Express is undoubtedly your top pick in 2023.

#3 Chase Sapphire Preferred Card

And for our third credit card, the highly acclaimed Chase Sapphire Preferred Card.
This credit card has earned its place as the best entry-level travel card, offering a
rare combination of generous rewards rates and redemption options. Prepare to be
amazed!

For frequent spenders on travel and dining, this card is an absolute dream come true.
And the best part? It comes with a modest annual fee.

To kick off your travel adventures in style, you can earn a remarkable 60,000 bonus
points after spending $4,000 on purchases within the first 3 months from account
opening. That's equivalent to a jaw-dropping $750 when you redeem through Chase
Ultimate Rewards.

With the Chase Sapphire Preferred Card, you'll enjoy an array of benefits designed to
enhance your travel experience. Earn a staggering 5x points on travel purchased
through Chase Ultimate Rewards, 3x points on dining, and 2x points on all other
travel purchases.

Redeem points effortlessly and get 25% more value on airfare, hotels, car rentals, or
cruises through Chase Ultimate Rewards. For instance, turn 60,000 points into an
impressive $750 towards travel. Enjoy valuable travel protections such as Trip
Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost
Luggage Insurance, and more. Plus, as a cardholder, get complimentary access to
DashPass, eliminating delivery fees and lowering service fees for at least a year.
This card truly rewards your wanderlust and epicurean inclinations!

#4 Discover it Student Cash Back Card

The next credit card we’re about to show you is for all the hardworking students out
there. Get ready to relax and be able to focus on your studies worry-free because
Discover it Student Cash Back credit card got your back!

First and foremost, this card understands the unique needs of students. It comes with
no annual fee and no penalty APR, ensuring that you can focus on building your credit
without any unnecessary charges. It's a solid foundation for your credit journey.

But what truly sets this card apart is its exceptional cashback rewards program:

With the Discover it Student Cash Back, you'll enjoy up to 5% cash back on everyday
purchases in rotating categories. These categories may include popular options like
Amazon.com, grocery stores, restaurants, and gas stations. Just remember to activate
each quarter to unlock these fantastic rewards. Additionally, you'll earn an
unlimited 1% cash back on all other purchases automatically. It's a winning
combination!

Now, let's talk about an extraordinary feature—the Unlimited Cashback Match:

During your first year as a cardholder, Discover will automatically match all the
cash back you've earned. That means if you've earned $50 in cash back, it becomes
$100. And if you've earned $100, it becomes $200. There are no minimum spending
requirements or maximum rewards. It's a dollar-for-dollar match that amplifies your
rewards potential.

Discover it Student Cash Back offers standout features for students. No required
credit score provides a welcoming opportunity to build credit from scratch. Plus,
they can enjoy a 0% introductory APR on purchases for 6 months with the Discover it
Student Cash Back. Manage expenses responsibly with this helpful feature. Discover
supports students' credit journey while safeguarding their information and providing
valuable financial tools.

#5 Chase Freedom Flex

Ladies and gentlemen, get ready for a credit card that packs a punch when it comes to
cash back rewards—the Chase Freedom Flex. This card is a true powerhouse that can
handle all of your credit card spending needs without breaking the bank. Let's dive
into the details!

First and foremost, this card comes with an annual fee of $0. That's right, no
inflated price tag here. You can enjoy its incredible rewards and benefits without
worrying about additional costs.

The cashback wonder, with the Chase Freedom Flex, you can earn a $200 bonus after
spending $500 on purchases within the first 3 months from account opening. That’s a
40% bonus! How can even a deal like this be real?!

But the rewards don't stop there. This card offers a diverse range of cash back
categories that cover a wide swath of expenses. You'll earn 5% cash back on up to
$1,500 in categories that rotate quarterly (requires activation). Additionally,
you'll earn 5% cash back on travel purchased through Chase Ultimate Rewards, 3% cash
back on dining and drugstore purchases, and 1% cash back on all other purchases. It's
a rewarding structure that caters to various aspects of your spending habits.

Not only that, the Chase Freedom Flex also provides a 0% introductory APR for 15
months from account opening on both purchases and balance transfers. This can be a
useful tool for managing your finances and making larger purchases or consolidating
existing balances.

Overall, the Chase Freedom Flex offers a winning combination of a $0 annual fee, an
impressive earnings structure, and a generous introductory APR offer. It is truly a
fantastic way to kickstart your cash back rewards journey!

#6 Aeroplan Credit Card

Attention frequent travelers! We have an exceptional mid-tier airline card that will
take your rewards to new heights—the Aeroplan Credit Card. This card offers solid
reward-earning potential and is a fantastic choice for those who regularly fly with
Air Canada and have a penchant for spending on food and travel. Let's explore the
details!
To kick things off, you can earn a generous 50,000 points, which translates to a
travel value of $625 when redeemed with Pay Yourself Back. It's a fantastic way to
maximize your rewards and enjoy substantial savings on your travel expenses.

With the Aeroplan Credit Card, you'll also earn 3x points for each dollar spent at
grocery stores, on dining at restaurants, and directly with Air Canada. This allows
you to earn points quickly on everyday expenses and enhances your travel rewards
potential. Additionally, you'll earn 1x point for each dollar spent on all other
purchases.

But the perks don't stop there. As an Aeroplan Credit Cardholder, you'll enjoy a
range of benefits, including no foreign transaction fees, a free first checked bag,
and an opportunity to earn bonus points. For every $2,000 you spend in a calendar
month, you'll receive 500 bonus points, up to a maximum of 1,500 points per month.
It's a rewarding system that adds value to your card usage. However, the Aeroplan
Credit Card comes with a $95 annual fee. While there is a cost associated with the
card, the benefits and rewards you receive more than make up for it, especially if
you're a frequent traveler.

So, if you're a loyal and frequent traveler who values earning substantial rewards on
food and travel, the Aeroplan Credit Card is the perfect mid-tier airline card for
you.

#7 United Club Infinite Card

You’ve heard of the mid-tier, now how about the top-tier airline card? Well ladies
and gentlemen, fasten your seatbelts as we soar to new heights with the best airline
card on our list—the United Club Infinite Card. If you're a dedicated United
Airlines traveler, this card will elevate your flying experience and reward you with
incredible perks.

So, what sets the United Club Infinite Card apart as the best airline card?

With this card, you'll earn an impressive 4 miles for every dollar spent on United
purchases, including tickets, Economy Plus, inflight food, beverages, Wi-Fi, and
other United charges. This elevated earning rate allows you to accumulate miles
quickly and unlock fantastic rewards.

For all other travel expenses, you'll earn 2 miles for every dollar spent. Whether
you're booking hotels, renting cars, or exploring new destinations, your travel
expenses will contribute to your mileage balance. Talk about a travel life hack!

Dining enthusiasts will also be delighted. The United Club Infinite Card offers 2
miles per dollar spent on dining, including eligible delivery services. So, whether
you're enjoying a meal at your favorite restaurant or ordering in, you'll be earning
valuable miles along the way.

Now if you’re looking to buy one already, there’s no need to thank us, but do not
forget about these incredible perks. As a new cardholder, you can earn 80,000 bonus
miles plus 1,000 Premier qualifying points by spending $5,000 on purchases within the
first 3 months. You can also get up to $100 credit for Global Entry, TSA PreCheck, or
NEXUS fees for a smoother airport experience. Enjoy free first and second checked
bags, saving you up to $320 per roundtrip.

Additionally, gain exclusive access to United Club locations, offering premium

amenities that enhance your airport visits. The value of this membership alone
surpasses the annual fee. With all this perks and benefits, there’s no doubt to it,
that if you’re a frequent flyer, this card is definitely the card of your dreams.

#8 Hilton Honors American Express Surpass Card

We have told you of the best cards for your travels, not how about the best credit
cards for your stay?
Up next, we present to you the best mid-tier hotel card: the Hilton Honors American
Express Surpass Card. If you find yourself embarking on multiple journeys each year
and seek outstanding value, this card is tailored to meet your needs. Let's delve
into the reasons why it shines brightly in our selection.

For an annual fee of just $95, this card delivers an abundance of value to frequent
travelers. It grants you 10 annual Priority Pass visits, worth a whopping $299, once
you enroll. Additionally, you'll receive the coveted Hilton Honors Gold status, which
unlocks a plethora of exclusive benefits during your stays.

But what makes this the best mid-tier hotel card is the enticing earning
opportunities offered by the Hilton Honors American Express Surpass Card:

To start your journey on a rewarding note, you can earn an impressive 130,000 Hilton
Honors Bonus Points and a free night reward after spending $2,000 on purchases within
the first 3 months of card membership. This generous bonus offer provides a
significant boost to your points balance from the very beginning.

Continuing the journey of earning, you'll receive a Free Night Reward from Hilton
Honors after spending $15,000 on purchases on the card in a calendar year. This
allows you to enjoy an additional night's stay as a token of appreciation for your
loyalty.

When it comes to earning Hilton Honors bonus points, this card truly excels. You'll
earn a remarkable 12X Hilton Honors bonus points for each dollar spent on eligible
purchases at hotels and resorts within the Hilton portfolio. Furthermore, you'll earn
6X Hilton Honors bonus points for each dollar spent at U.S. restaurants, U.S.
supermarkets, and U.S. gas stations. For all other eligible purchases, you'll earn a
solid 3X Hilton Honors Bonus Points. These accelerated earning rates empower you to
amass points rapidly and unlock extraordinary experiences.

For those seeking elevated status within the Hilton Honors program, the Hilton Honors
American Express Surpass Card presents a golden opportunity. By spending $40,000 on
eligible purchases within a calendar year, you'll be rewarded with Hilton Honors
Diamond status, ensuring an elevated hotel experience through the end of the next
calendar year.

Transition

I know what you’re thinking. What unbelievable opportunities for a mid-tier hotel
card! So unbelievable it makes it hard to imagine what a top-tier hotel credit card
can provide. Well, not to worry, because we can tell you exactly what.

#9 Hilton Honors Aspire Card from American Express

We proudly present the best hotel card for 2023: the Hilton Honors Aspire Card from
American Express. Prepare to embark on a journey of unparalleled luxury and exclusive
benefits as we explore why this card claims its rightful place at the zenith.

What sets the Hilton Honors Aspire Card apart? Let's uncover its features:

As the flagship card from Hilton, the Hilton Honors Aspire Card from American Express
perfectly complements its top-tier status and lavish perks. Designed for discerning
travelers and big spenders, this card is a gateway to a realm of unrivaled
privileges, enhanced by the coveted Diamond status.

To kickstart your adventure, you can earn a generous 150,000 Hilton Honors bonus
points after spending $4,000 on purchases within the first 3 months of card
membership. This substantial bonus catapults your points balance to new heights,
ensuring unforgettable rewards await.

When it comes to earning Hilton Honors bonus points, this card truly shines. You'll
earn an astounding 14X Hilton Honors bonus points for eligible purchases at
participating hotels or resorts within the Hilton Portfolio. Additionally, you'll
earn an impressive 7X Hilton Honors bonus points for eligible purchases such as
flights booked directly with airlines or amextravel.com, car rentals booked directly
from select car rental companies, and U.S. restaurants. For all other eligible
purchases, you'll earn a solid 3X Hilton Honors bonus points. These accelerated
earning rates unlock a world of possibilities, allowing you to amass points at an
extraordinary pace.

Indulge in a range of exclusive benefits, including a $250 Hilton Resort credit each
year, elevated Hilton Honors Diamond status with enhanced privileges, complimentary
reward nights, the opportunity to earn additional nights, and a $250 airline fee
credit for incidental charges.

Transition

Now that we have thoroughly explored and discussed the top credit cards based on
their specific uses, benefits, and features, it’s time to explore the best credit
card for general use!

#10 Wells Fargo Active Cash Card

On top 1, we're unveiling the crown jewel of 0% APR credit cards—the highly coveted
Wells Fargo Active Cash Card. Let's dive into why it's the undisputed champion in its
category!

The Wells Fargo Active Cash Card is all about maximizing your cash rewards potential.
With unlimited 2% cash rewards on all purchases and no annual fee, it's a winning
combination that puts money back in your pocket. But like any card, it's important to
consider the pros and cons. On the plus side, you'll enjoy unlimited 2% cash rewards
on purchases and a $0 annual fee.

Now let's dive into the exciting details of the Wells Fargo Active Cash Card. Earn a
generous $200 cash rewards bonus after spending just $500 on purchases within the
first 3 months. That's a fantastic deal to kickstart your cash rewards journey.

As an added perk, the card provides access to Visa Signature Concierge, offering
premium benefits at select hotel properties. And for those worried about their cell
phone, you'll be pleased to know that the card offers up to $600 of cell phone
protection against damage or theft, as long as you pay your monthly cell phone bill
with your eligible Wells Fargo card (subject to a $25 deductible).

So there you have it—the Wells Fargo Active Cash Card, the ultimate combination of
cash rewards, low fees, and valuable benefits. Earn a $200 cash rewards bonus, enjoy
a 0% intro APR, and protect your cell phone—all without an annual fee.
Outro

Congratulations on reaching the end of our exciting journey through the top 10 credit
cards! We hope you found this information valuable and enjoyable. If you did, please
consider liking this video and subscribing to our channel, High Excess, for more
helpful content like this. Stay tuned for future updates on the ever-evolving world
of credit cards. Thank you for joining us, and may your financial journey be filled
with success and prosperity. Don't forget to like and subscribe! Thank you! High
Excess, signing off!