12 Excellent Credit Cards of 2022

Oct 15, 2021

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From surprising bonuses to generous rewards, we've picked credit cards that stand out from the crowd. Compare these deals, some of which are from our partners, to find cards that can help you reach your goals. Happy hunting.

American Express Blue Cash Preferred Credit Card
NerdWallet rating 

on American Express's website

Blue Cash Preferred® Card from American Express

If your household spends a lot at U.S. supermarkets, U.S. gas stations, and streaming services the Blue Cash Preferred® Card from American Express has the richest rewards of any card in those categories. There’s a nice intro offer for new cardholders and an 0% intro APR on Purchases for 12 months, and then the ongoing APR of 14.74%-24.74% Variable APR. The generous benefits come at a cost, though: Unlike most cash-back cards, this one charges an annual fee of $0 intro for the first year, then $95. Here are the Rates & Fees.

Chase Sapphire Preferred Credit Card
NerdWallet rating 

on Chase's website

Chase Sapphire Preferred® Card

Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,000 when you redeem through Chase Ultimate Rewards®. Enjoying new benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5X points on travel purchased through Chase Ultimate Rewards®, 3X points on dining and 2X points on all other travel purchases, plus more. And also travel perks like Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance that you can count on. There are more nice perks that but you'll need to investigate the rest for yourself.

Discover it® Cash Back
NerdWallet rating 

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

Discover it® Cash Back

The Discover it® Cash Back earns 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Category activation can be a hassle, but if your spending aligns with those categories (and for most households, it probably will), you can rake in serious rewards. You also get the issuer's signature "cash-back match" bonus in your first year. View Rates and Fees

Wells Fargo Active Cash Card
NerdWallet rating 

on Wells Fargo's website

Wells Fargo Active Cash® Card

Among flat-rate cash-back cards, you'll be hard-pressed to beat the Wells Fargo Active Cash® Card. It earns an unlimited 2% back on all purchases, which is excellent. But in addition, the card offers a rich sign-up bonus and a generous 0% intro APR on Purchases for 15 months and 0% intro APR on Balance Transfers 15 months from account opening on qualifying balance transfers, and then the ongoing APR of 15.74%, 20.74%, or 25.74% Variable APR. That's an impressive, hard-to-find combination of features on a card with a $0 Annual Fee. See all Rates & Fees.

Chase Freedom Unlimited Credit Card
NerdWallet rating 

on Chase's website

Chase Freedom Unlimited®

The Chase Freedom Unlimited® was already a fine card when it offered 1.5% cash back on all purchases. Now it's even better, with bonus rewards on travel booked through Chase, as well as at restaurants and drugstores. On top of all that, new cardholders get a 0% intro APR for 15 months on purchases and balance transfers, and then the ongoing APR of 15.24%-23.99% Variable APR and the opportunity to earn a sweet cash bonus.

BankAmericard® Credit Card
NerdWallet rating 

on Bank of America's website, or call 800-322-7707

BankAmericard® credit card

The BankAmericard® credit card has dialed back some of the features that once made it the king of the hill in balance-transfer credit cards, but it remains a solid option for people looking for relief from interest. Cardholders get a promotional 0% intro APR for 18 billing cycles on purchases, and on any balance transfers made within 60 days of account opening, and then the ongoing APR of 13.24%-23.24% Variable APR, in addition to a low balance-transfer fee. And unlike a lot of other cards in its class, it even offers a sign-up bonus.

Bank of America Travel Rewards® Credit Card
NerdWallet rating 

on Bank of America's website

Bank of America® Travel Rewards credit card

Another excellent card if you are a traveler is the Bank of America® Travel Rewards credit card. You get a staggering 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases. and 0% intro APR for 15 billing cycles on purchases, and then the ongoing APR of 14.24%-24.24% Variable APR. Great card!

Capital One Venture Rewards Credit Card
NerdWallet rating 

on Capital One's website

Capital One Venture Rewards Credit Card

Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel. Not to mention the unlimited 2X miles you earn on every purchase, every day. Miles won't expire for the life of the account and there's no limit to how many you can earn. There's also a cute perk where you receive up to a $100 credit for Global Entry or TSA PreCheck®. You also earn extra for travel with 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get our best prices on thousands of trip options. The cherry on top: no foreign transaction fees.

Wells Fargo Reflect Card
NerdWallet rating 

on Wells Fargo's website

Wells Fargo Reflect℠ Card

The Wells Fargo Reflect℠ Card is remarkable and simple. What makes this an excellent credit card is it's long no interest period for transfers and purchases which consists of 0% intro APR on Purchases for up to 21 months and 0% intro APR on Balance Transfers up to 21 months from account opening on qualifying balance transfers, and then the ongoing APR of 13.74%-25.74% Variable APR Rates & Fees

Citi® Double Cash Card
NerdWallet rating 

on Citibank's application

Citi® Double Cash Card – 18 month BT offer

Year after year, the Citi® Double Cash Card – 18 month BT offer has been our choice for the best flat-rate cash-back card. You earn 2% cash back on every purchase — 1% when you buy something and 1% when you pay it off. There's no 0% intro period for purchases and no sign-up bonus, but the high rewards rate more than makes up for the lack of bells and whistles.

Citi Custom Cash℠ Card
NerdWallet rating 

on Citibank's application

Citi Custom Cash℠ Card

The Citi Custom Cash℠ Card Card offers a lot of value for a $0 annual fee: 5% back automatically in your eligible top spending category on up to $500 spent per billing cycle (1% back elsewhere). The list of eligible 5% categories is varied and includes biggies like restaurants, grocery stores and more. And unlike competitors, there's no activation schedule or bonus calendar to keep track of.

American Express Blue Cash Everyday Credit Card
NerdWallet rating 

on American Express's website

Blue Cash Everyday® Card from American Express

This card's name (Blue Cash Everyday® Card from American Express) says it all: It's an excellent card for getting cash back on every day spending. Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months. Terms Apply. This credit card is one of the few cashback cards that come with 0% intro APR on Purchases for 15 months, and then the ongoing APR of 14.74%-24.74% Variable APR. View Rates & Fees

Capital One® SavorOneSM Cash Rewards Credit Card
NerdWallet rating 

on Capital One's website

Capital One SavorOne Cash Rewards Credit Card

To round off our extensive list is another rewards card but the Capital One SavorOne Cash Rewards Credit Card is no ordinary card. Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening. Besides the sign up bonus you can also earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases. If the cash back and cash bonus wasn't enough, it also has a 0% intro APR for 15 months on purchases and balance transfers, and then the ongoing APR of 15.24%-25.24% Variable APR

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