WalletHub has announced their list of best credit cards for the new year.

They say that the best credit cards are Chase Freedom Unlimited and the Wells Fargo Active Cash Card. Both have a 0$ annual fee and give awards on all purchases.

WalletHub also says there are other great credit cards in different categories that you may want to keep in mind if looking into credit cards for 2023.

The winner for the top credit card is Chase Freedom Unlimited. Cash Back Rewards goes to Wells Fargo Active Cash Card. Those interested in 0% Intro APR can look to the Wells Fargo Reflect Card. For Fair Credit or No Credit cards, Capital One QuicksilverOne Cash Rewards Credit Card has your back. The best card for travel is the Chase Sapphire Reserve. As for those with bad credit, the Discover it Secured Credit Card could be your best bet.

WalletHub says that credit card offers aren’t perfect and you should know your needs for the card and exactly what you’ll be using it for.

They say you could use the Island Approach, using a few different credit cards for specific purposes, like earning rewards.

The top credit cards overall require good or excellent credit for approval.