Best Credit Cards of 2022

Categories

Best Credit Cards of 2022

Rewards

Cash Back

Travel

Balance Transfer

Low Interest

Business

Student

Prepaid

Secure

No Annual Fee

Tap To Pay

Credit Quality

Excellent

Good

Fair

Poor

Bad

Limited No Score

Issuers

These are our recommended credit cards for 2022. Which card you will qualify for is dependent upon your credit score. Not sure what your credit score is? Sign up for a Free CreditVana account today and get access to your free credit score and top matched credit card options specifically for you. Checking your score has no impact to your credit.

Fair Credit

Apply Now

Rewards Rate 1

Up to a 3% Cash Back Reward

Regular APR

29.99% OR 36% (V)

Credit Recommended

Fair

Credit Recommended:
Fair

on Fortiva’s secure website.

Annual Fee

As low as $85

Card Brand

Mastercard®

Foreign Trans Fee

3% of each transaction amount in U.S. dollars

  • With the Fortiva® Mastercard® Credit Card, you earn up to a 3% cash back reward
  • Make contactless payments through Mobile Wallet
  • Periodic Credit Increase Reviews
  • Free access to your Vantage 3.0 score from Equifax†

See additional details for Fortiva® Mastercard® Credit Card

† Your credit score will be available in your online account 60 days after your account is opened. (Registration required) The free VantageScore 3.0 credit score provided by Equifax is for educational purposes only and may not be used by The Bank of Missouri (the issuer of this card) or other creditors to make credit decisions.

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Travel Rewards

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Editor's Rating: 4.7
4.7/5

Intro (Purchases)

0% Intro APR on Purchases 15 months

Intro Rewards Bonus

Up to $300 cash back

Foreign Trans Fee

$0

Credit Recommended (660-850): Good/Excellent

on Chase secure website.

Intro (Transfers)

0% Intro APR on Balance Transfers 15 months

Regular APR

17.99% – 26.74% Variable

Credit Recommended Good/Excellent
0%
  • INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) – worth up to $300 cash back!
  • Enjoy 6.5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
  • After your first year or $20,000 spent, enjoy 5% cash back on Chase travel purchased through Ultimate Rewards®, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
  • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
  • Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 17.99% – 26.74%.
  • No annual fee – You won’t have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
  • Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.

See additional details for Chase Freedom Unlimited®

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Cash Back Rewards

Apply Now

Editor's Rating: 4.8
4.8/5

Intro Rewards Bonus

60,000 bonus points

Rewards Rate 1

5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases

Foreign Trans Fee

$0

Credit Recommended (660-850): Good/Excellent

on Chase secure website.

Annual Fee

$95

Regular APR

18.99% – 25.99% Variable

Credit Recommended Good/Excellent
0%
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 when you redeem through Chase Ultimate Rewards®.
  • Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
  • With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.

See additional details for Chase Sapphire Preferred® Card

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These are our recommended credit cards for 2022. Which card you will qualify for is dependent upon your credit score. Not sure what your credit score is? Sign up for a Free CreditVana account today and get access to your free credit score and top matched credit card options specifically for you. Checking your score has no impact to your credit.

Fair Credit

Apply Now

Rewards Rate 1

Up to a 3% Cash Back Reward

Regular APR

29.99% OR 36% (V)

Credit Recommended

Fair

on Fortiva’s secure website.

Credit Recommended:
Fair

Annual Fee

As low as $85

Card Brand

Mastercard®

Foreign Trans Fee

3% of each transaction amount in U.S. dollars

  • With the Fortiva® Mastercard® Credit Card, you earn up to a 3% cash back reward
  • Make contactless payments through Mobile Wallet
  • Periodic Credit Increase Reviews
  • Free access to your Vantage 3.0 score from Equifax†

See additional details for Fortiva® Mastercard® Credit Card

† Your credit score will be available in your online account 60 days after your account is opened. (Registration required) The free VantageScore 3.0 credit score provided by Equifax is for educational purposes only and may not be used by The Bank of Missouri (the issuer of this card) or other creditors to make credit decisions.

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Travel Rewards

Apply Now

Editor's Rating: 4.8
4.8/5

Intro Rewards Bonus

60,000 bonus points

Rewards Rate 1

5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases

Foreign Trans Fee

$0

on Chase secure website.

Credit Recommended (660-850): 
Good/Excellent

Annual Fee

$95

Regular APR

18.99% – 25.99% Variable

Credit Recommended Good/Excellent
0%
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 when you redeem through Chase Ultimate Rewards®.
  • Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
  • With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.

See additional details for Chase Sapphire Preferred® Card

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Cash Back Rewards

Apply Now

Editor's Rating: 4.8
4.8/5

Intro Rewards Bonus

60,000 bonus points

Rewards Rate 1

5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases

Foreign Trans Fee

$0

on Chase secure website.

Credit Recommended (660-850):
Good/Excellent

Annual Fee

$95

Regular APR

18.99% – 25.99% Variable

Credit Recommended Good/Excellent
0%
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 when you redeem through Chase Ultimate Rewards®.
  • Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
  • With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.

See additional details for Chase Sapphire Preferred® Card

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Categories

Best Credit Cards of 2022

Rewards

Cash Back

Travel

Balance Transfer

Low Interest

Business

Student

Prepaid

Secure

No Annual Fee

Tap To Pay

Credit Quality

Excellent

Good

Fair

Poor

Bad

Limited No Score

Issuers

As featured on: