BEST OF

NerdWallet Credit Card Award Winners of 2022

Aug 8, 2022

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The shadow of the COVID-19 pandemic continues to loom large over household budgets, spending habits and financial goals — and once again it also influenced our votes as we chose the winning credit cards for NerdWallet's Best-Of Awards, 2022.

Travel has yet to fully rebound, so perhaps cushy lounge access is less important to you these days. Your comfort level with dining out may hinge entirely on your community's vaccination rates. Similarly, your idea of "entertainment" might still be more Netflix than a night on the town.

To that end, several new credit cards have hit the market over the past year, some promising simplicity, others offering rich incentives, and still others featuring rewards customized to your spending. Indeed, some of these new products cracked our awards list this year, dethroning longtime champions.

Here are our top credit card offers for 2022, along with a few more options representing the best credit cards for specific needs.

NerdWallet's NerdWallet Credit Card Award Winners of 2022

NerdWallet Credit Card Award Winners

Our pick for

Simple cash back

NerdWallet Credit Card Award Winners of 2022

Apply now

on Wells Fargo's website

Wells Fargo Active Cash® Card

5.0

NerdWallet rating 
Apply now

on Wells Fargo's website

Annual fee

$0

Intro APR

0% intro APR on Purchases for 15 months and 0% intro APR on Balance Transfers 15 months from account opening on qualifying balance transfers

Regular APR

17.24%, 22.24%, or 27.24% Variable APR

Recommended Credit Score

Pros

  • High rewards rate

  • No annual fee

  • Intro APR period

Cons

  • No bonus categories

  • Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months

  • Earn unlimited 2% cash rewards on purchases

  • 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 17.24%, 22.24%, or 27.24% variable APR; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5

  • $0 annual fee

  • No categories to track or remember and cash rewards don't expire as long as your account remains open

  • Enjoy a premium collection of benefits at a selection of the world's most intriguing and prestigious hotel properties with Visa Signature Concierge

  • Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card. (subject to a $25 deductible).

  • Select “Apply Now” to learn more about the product features, terms and conditions

  • View Rates & Fees
Read full review

Our pick for

Bonus cash back

NerdWallet Credit Card Award Winners of 2022

Apply now

on Chase's website

Chase Freedom Flex℠

5.0

NerdWallet rating 
Apply now

on Chase's website

Annual fee

$0

Intro APR

0% intro APR for 15 months on purchases and balance transfers

Regular APR

16.49%-25.24% Variable APR

Recommended Credit Score

Pros

  • No annual fee

  • New cardholder bonus offer

  • Bonus categories

  • Cash rewards

  • Intro APR period

Cons

  • Requires good/excellent credit

  • Complicated rewards

  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.

  • 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!

  • 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

  • 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% 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!

  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.49% - 25.24%.

  • No annual fee - You won't have to pay an annual fee for all the great features that come with your Freedom Flex℠ 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 if you qualify for a better offer with Chase:

    Get Pre-Qualified
Read full review

Our pick for

Basic travel rewards

NerdWallet Credit Card Award Winners of 2022

Apply now

on Capital One's website

Capital One Venture Rewards Credit Card

4.7

NerdWallet rating 
Apply now

on Capital One's website

Annual fee

$95

Intro APR

N/A

Regular APR

17.49%-25.49% Variable APR

Recommended Credit Score

Pros

  • High rewards rate

  • Flexible rewards redemption

Cons

  • High annual fee

  • Rewards have limited flexibility

  • Requires good/excellent credit

  • 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

  • Earn unlimited 2X miles 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

  • Receive up to a $100 credit for Global Entry or TSA PreCheck®

  • Enjoy two complimentary visits per year to Capital One Lounges or to 100+ Plaza Premium Lounges through our Partner Lounge Network

  • Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options

  • Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel

  • Transfer your miles to your choice of 15+ travel loyalty programs

Read full review

Our pick for

Travel perks

NerdWallet Credit Card Award Winners of 2022

Apply now

on Chase's website

Chase Sapphire Reserve®

5.0

NerdWallet rating 
Apply now

on Chase's website

Annual fee

$550

Intro APR

N/A

Regular APR

18.49%-25.49% Variable APR

Recommended Credit Score

Pros

  • High rewards rate

  • Luxury perks

  • Premium travel protections

  • Transfer partners

  • Primary rental car coverage

Cons

  • High annual fee

  • Requires excellent credit

  • New Offer: Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®

  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.

  • Earn 5x total points on air travel and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases

  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards®. For example, 60,000 points are worth $900 toward travel

  • With Pay Yourself Back℠, your points are worth 50% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories

  • 1:1 point transfer to leading airline and hotel loyalty programs

  • Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®

  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more

Read full review

Our pick for

0% intro APR and balance transfer

NerdWallet Credit Card Award Winners of 2022

Apply now

on Wells Fargo's website

Wells Fargo Reflect® Card

5.0

NerdWallet rating 
Apply now

on Wells Fargo's website

Annual fee

$0

Intro APR

0% intro APR for up to 21 months from account opening on purchases and qualifying balance transfers

Regular APR

15.24%-27.24% Variable APR

Recommended Credit Score

Pros

  • No annual fee

  • Intro APR period

Cons

  • No rewards

  • 0% intro APR for 18 months from account opening on purchases and qualifying balance transfers. Intro APR extension of up to 3 months with on-time minimum payments during the intro and extension periods. 15.24% to 27.24% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min $5

  • $0 Annual Fee

  • Get up to $600 of cell phone protection when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible).

  • An easy way to earn cash back while you shop, dine or enjoy an experience simply by using your Wells Fargo credit card. Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants.

  • Select "Apply Now" to learn more about the product features, terms and conditions

  • View Rates & Fees
Read full review

Our pick for

Airline card

NerdWallet Credit Card Award Winners of 2022

Apply now

on American Express' website

Delta SkyMiles® Gold American Express Card

5.0

NerdWallet rating 
Apply now

on American Express' website

Annual fee

$0 intro for the first year, then $99

Intro APR

N/A

Regular APR

17.99%-26.99% Variable APR

Recommended Credit Score

Pros

  • Free checked bag

  • Early boarding

  • Rewards don't expire

Cons

  • Has annual fee

  • Requires good/excellent credit

  • Earn 40,000 bonus miles after you spend $1,000 in purchases on your new Card in your first 3 months.

  • Enjoy your first checked bag free on Delta flights.

  • Earn 2X Miles on Delta purchases, at U.S. Supermarkets and at restaurants worldwide, including takeout and delivery in the U.S.

  • Earn 1X Mile on all other eligible purchases.

  • $100 Delta Flight Credit: After you spend $10,000 in purchases on your Card in a calendar year, receive a Credit to use toward future travel.

  • Enjoy a $0 introductory Annual Fee for the first year, then $99.

  • Terms Apply.

  • View Rates & Fees
Read full review

Our pick for

Hotel card

NerdWallet Credit Card Award Winners of 2022

Apply now

on Chase's website

World of Hyatt Credit Card

5.0

NerdWallet rating 
Apply now

on Chase's website

Annual fee

$95

Intro APR

N/A

Regular APR

17.49%-24.49% Variable APR

Recommended Credit Score

Pros

  • New cardholder bonus offer

  • Automatic free night annually

  • Bonus categories

  • Luxury perks

Cons

  • Has annual fee

  • Complicated rewards

  • Limited redemptions

  • Earn 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, up to 30,000 More Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent

  • Enjoy complimentary World of Hyatt Discoverist status for as long as your account is open.

  • Get 1 free night each year after your Cardmember anniversary at any Category 1-4 Hyatt hotel or resort.

  • Receive 5 tier qualifying night credits towards status after account opening, and each year after that for as long as your account is open

  • Earn an extra free night at any Category 1-4 Hyatt hotel if you spend $15,000 in a calendar year

  • Earn 2 qualifying night credits towards tier status every time you spend $5,000 on your card

  • Earn up to 9 points total for Hyatt stays - 4 Bonus Points per $1 spent at Hyatt hotels & 5 Base Points per $1 you can earn as a World of Hyatt member

  • Earn 2 Bonus Points per $1 spent at restaurants, on airline tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships

Read full review

Our pick for

College students

NerdWallet Credit Card Award Winners of 2022

Apply now

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

Discover it® Student chrome

5.0

NerdWallet rating 
Apply now

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

Annual fee

$0

Intro APR

0% intro APR on Purchases for 6 months and 10.99% intro APR on Balance Transfers for 6 months

Regular APR

14.49%-23.49% Variable APR

Recommended Credit Score

Pros

  • No annual fee

  • Intro APR period

  • Qualify with average credit

  • Bonus categories

Cons

  • Complicated rewards

  • No credit score required to apply.

  • INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.

  • Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.

  • NEW! Discover helps remove your personal information from select people-search websites. Activate by mobile app for free.

  • No annual fee and build your credit with responsible use.

  • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 14.49% - 23.49% applies.

  • Click "Apply Now" to see terms and conditions.

  • View Rates & Fees
Read full review

Our pick for

Building credit

NerdWallet Credit Card Award Winners of 2022

Apply now

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

Discover it® Secured Credit Card

5.0

NerdWallet rating 
Apply now

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

Annual fee

$0

Intro APR

10.99% intro APR on Balance Transfers for 6 months

Regular APR

24.49% Variable APR

Recommended Credit Score

Pros

  • No annual fee

  • Reports to the three major credit bureaus

  • Qualify with limited/bad credit

  • Earns rewards

  • New cardholder bonus offer

Cons

  • Requires minimum deposit

  • High APR

  • No credit score required to apply.

  • No Annual Fee, earn cash back, and build your credit with responsible use.

  • Establish your credit line by providing a refundable security deposit of at least $200. That means a $200 deposit for a $200 credit line. Or a $500 deposit for a $500 credit line. Bank information must be provided when submitting your deposit, and the security deposit equals your credit limit.

  • Automatic reviews starting at 7 months to see if we can transition you to an unsecured line of credit and return your deposit.

  • Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.

  • NEW! Discover helps remove your personal information from select people-search websites. Activate by mobile app for free.

  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.

  • Click "Apply Now" to see terms and conditions.

  • View Rates & Fees
Read full review

Our pick for

Small business

NerdWallet Credit Card Award Winners of 2022

Apply now

on American Express' website

American Express Blue Business Cash™ Card

5.0

NerdWallet rating 
Apply now

on American Express' website

Annual fee

$0

Intro APR

0% intro APR on purchases for 12 months from the date of account opening

Regular APR

15.49%-23.49% Variable APR

Recommended Credit Score

Pros

  • No annual fee

  • High rewards rate

  • Intro APR period

  • Cash rewards

Cons

  • Spending caps on bonus rewards

  • Requires good/excellent credit

  • Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.

  • Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1% cash back earned is automatically credited to your statement.

  • From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.

  • Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us and other factors.

  • 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 15.49% - 23.49%, based on your creditworthiness and other factors as determined at the time of account opening.

  • No Annual Fee

  • Terms Apply

  • View Rates & Fees
Read full review

Our pick for

Groceries

Best credit cards for specific needs

Apply now

on American Express' website

Blue Cash Preferred® Card from American Express

5.0

NerdWallet rating 
Apply now

on American Express' website

Annual fee

$95

Intro APR

0% intro APR on Purchases for 12 months

Regular APR

16.24%-26.24% Variable APR

Recommended Credit Score

Pros

  • High rewards rate

  • Bonus categories

  • Intro APR period

  • Cash rewards

Cons

  • Has annual fee

  • Requires good/excellent credit

  • Spending caps on bonus rewards

  • Earn a $350 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.

  • Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 plan fees on plans created during the first 12 months after account opening. Plans created after that will have a fixed monthly plan fee up to 1.33% of each purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.

  • Low intro APR: 0% intro APR for 12 months on purchases from the date of account opening, then a variable rate, 16.24% to 26.24%.

  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).

  • 6% Cash Back on select U.S. streaming subscriptions.

  • 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).

  • 1% Cash Back on other purchases.

  • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.

  • $95 Annual Fee.

  • Terms Apply.

  • View Rates & Fees
Read full review

Our pick for

Dining

Best credit cards for specific needs

Apply now

on US Bank's website

U.S. Bank Altitude® Go Visa Signature® Card

4.9

NerdWallet rating 
Apply now

on US Bank's website

Annual fee

$0

Intro APR

0% intro APR for 12 billing cycles on purchases and balance transfers

Regular APR

17.24%-26.24% Variable APR

Recommended Credit Score

Pros

  • No annual fee

  • New cardholder bonus offer

  • Bonus categories

  • Intro APR period

Cons

  • Complicated rewards

  • Intro Offer: Earn 20,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening. That's a $200 value redeemable towards merchandise, gift cards, cash back, travel and more.

  • 4X points on dining, takeout, and restaurant delivery.

  • 2X points on streaming services. Plus, a $15 credit for annual streaming purchases like Netflix, Hulu, Spotify®, Apple Music, Disney+, HBO Max and more!

  • 2X points at grocery stores, grocery delivery, gas stations, and EV charging stations

  • 1X point on all other eligible purchases.

  • 0% Intro APR on purchases and balance transfers for the first 12 billing cycles. After that, a variable APR applies, currently 17.24% - 26.24%.

  • No Annual Fee

  • Points never expire

  • Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.

  • Terms and conditions apply.

  • View Rates & Fees
Read full review

Our pick for

Entertainment

Best credit cards for specific needs

Capital One Savor Cash Rewards Credit Card

4.8

NerdWallet rating 
Annual fee

$95

Intro APR

N/A

Regular APR

17.49%, 22.49% or 25.49%, Variable APR

Recommended Credit Score

Pros

  • No foreign transaction fee

  • Rich rewards on dining, entertainment

  • Broad definition of entertainment

  • Generous sign-up bonus

Cons

  • Has annual fee

  • High APR, no 0% intro period

  • Earn a one-time $300 cash bonus once you spend $3,000 on purchases within 3 months from account opening.

  • Earn unlimited 4% cash back on dining, entertainment, and popular streaming services, 3% at grocery stores and 1% on all other purchases. Plus, earn 8% cash back on tickets at Vivid Seats.

  • No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn.

  • No foreign transaction fees.

  • Capital One cardholders get access to premium experiences in dining, entertainment and more.

Read full review

TO RECAP OUR EDITORIAL SELECTIONS

TOP CREDIT CARD OFFERS FOR 2022

2022's BEST CARDS FOR SPECIFIC NEEDS

Best card for simple cash back  Wells Fargo Active Cash® Card

Best small-business cash-back card  American Express Blue Business Cash™ Card

Best card for bonus cash back  Chase Freedom Flex℠

Best card for groceries Blue Cash Preferred® Card from American Express

Best basic travel rewards card Capital One Venture Rewards Credit Card

Best card for dining  U.S. Bank Altitude® Go Visa Signature® Card

Best card for travel perks   Chase Sapphire Reserve®

Best card for entertainment   Capital One Savor Cash Rewards Credit Card

Best 0% intro APR and balance transfer card  Wells Fargo Reflect® Card

Best airline card Delta SkyMiles® Gold American Express Card

Best hotel card  World of Hyatt Credit Card

Best card for college students Discover it® Student chrome

Best card for building credit Discover it® Secured Credit Card

PAST YEARS

2021 award winners

Top 10 credit card offers of 2021

  • Citi® Double Cash Card – 18 month BT offer: Best for flat-rate cash back

  • Chase Freedom Flex℠: Best for bonus cash back

  • Capital One Venture Rewards Credit Card: Best for flat-rate travel rewards

  • American Express® Gold Card: Best for bonus travel rewards

  • Wells Fargo Propel American Express® card: Best for no-annual-fee travel rewards

  • U.S. Bank Visa® Platinum Card: Best for 0% intro APR and balance transfer

  • Delta SkyMiles® Gold American Express Card: Best airline card

  • World of Hyatt Credit Card: Best hotel card

  • Discover it® Student chrome: Best for college students

  • Discover it® Secured Credit Card: Best for building credit

2021's best credit cards for specific needs

  • Capital One Spark Cash for Business: Best for small-business cash back

  • Blue Cash Preferred® Card from American Express: Best for groceries

  • U.S. Bank Altitude® Go Visa Signature® Card: Best for dining out or ordering in

  • Amazon Prime Rewards Visa Signature Card: Best for staying at home

2020 award winners

Top 10 credit card offers of 2020

  • Citi® Double Cash Card – 18 month BT offer: Best for flat-rate cash back

  • Discover it® Cash Back: Best for bonus category cash back

  • Capital One Venture Rewards Credit Card: Best for flat-rate travel rewards

  • Chase Sapphire Reserve®: Best for bonus travel rewards

  • Wells Fargo Propel American Express® card: Best for no-annual-fee travel rewards

  • Amex EveryDay® Credit Card: Best for balance transfers

  • U.S. Bank Visa® Platinum Card: Best for 0% intro APR

  • The Platinum Card® from American Express: Best premium card

  • ABOC Platinum Rewards Mastercard® Credit Card: Best for fair credit

  • Discover it® Secured Credit Card: Best for building credit

2020's best credit cards for specific needs

  • Capital One Spark Cash for Business: Best for small-business cash back

  • The Business Platinum Card® from American Express: Best for small-business travel

  • Discover it® Student chrome: Best for college students

  • Deserve® EDU Mastercard for Students: Best for international students

  • United℠ Explorer Card: Best airline card

  • World of Hyatt Credit Card: Best hotel card

  • Capital One® Walmart Rewards™ Mastercard®: Best store card

  • Blue Cash Preferred® Card from American Express: Best for families

  • Capital One Savor Cash Rewards Credit Card: Best for dining and entertainment

  • Ducks Unlimited Rewards Platinum Edition® Visa® Card: Best for gas

2019 award winners

Top 10 credit card offers of 2019

  • Barclaycard Arrival Plus® World Elite Mastercard®: Best for flat-rate travel

  • Chase Sapphire Preferred® Card: Best for bonus travel rewards

  • Wells Fargo Propel American Express® card: Best for no-annual-fee travel

  • Citi® Double Cash Card – 18 month BT offer: Best for flat-rate cash back

  • Discover it® Cash Back: Best for bonus cash back

  • Amex EveryDay® Credit Card: Best for balance transfers

  • U.S. Bank Visa® Platinum Card: Best for 0% interest

  • Chase Sapphire Reserve®: Best premium card

  • Capital One QuicksilverOne Cash Rewards Credit Card: Best for fair credit

  • Discover it® Secured Credit Card: Best for building credit

2019's best credit cards for specific needs

  • Capital One Spark Cash for Business: Best for small-business cash back

  • The Platinum Card® from American Express: Best for small-business travel

  • Deserve® EDU Mastercard for Students: Best for college students

  • Alaska Airlines Visa Signature® credit card: Best airline card

  • Marriott Rewards® Premier Plus Credit Card: Best hotel card

  • Amazon Prime Rewards Visa Signature Card: Best store card

  • Wells Fargo Propel American Express® card: Best gas card

  • Blue Cash Preferred® Card from American Express: Best for families

  • Capital One SavorOne Cash Rewards Credit Card: Best for dining and entertainment

2018 award winners

Top 10 credit card offers of 2018

  • Capital One Venture Rewards Credit Card: Best flat-rate travel rewards card

  • Chase Sapphire Preferred® Card: Best bonus category travel rewards card

  • Citi® Double Cash Card – 18 month BT offer: Best flat-rate cash back card

  • Discover it® Cash Back: Best bonus category cash back card

  • Blue Cash Preferred® Card from American Express: Best family card

  • Citi Simplicity® Card: Best 0% Intro APR card

  • Capital One QuicksilverOne Cash Rewards Credit Card: Best card for fair/average credit

  • Discover it® Secured Credit CardBest card for building credit

  • Discover it® Student Cash Back: Best card for college students

  • SimplyCash® Plus Business Credit Card from American Express: Best small business card

2017 award winners

Top 10 credit card offers of 2017

  • Capital One Venture Rewards Credit Card: Best flat-rate travel rewards card

  • Chase Sapphire Preferred® Card: Best bonus category travel rewards card

  • Citi® Double Cash Card – 18 month BT offer: Best flat-rate cash back card

  • Chase Freedom®: Best bonus category cash back card

  • Blue Cash Preferred® Card from American Express: Best card for everyday spending

  • Chase Slate®Best card for balance transfers

  • Citi Simplicity® Card: Longest 0% Intro APR period

  • Capital One QuicksilverOne Cash Rewards Credit Card: Best card for fair/average credit

  • Discover it® Student Cash Back: Best card for college students

  • Capital One Spark Cash for Business: Best small business card

2016 award winners

Top 10 credit card offers of 2016

  • Chase Sapphire Preferred® Card: Best for travel

  • (TIE) — Capital One Venture Rewards Credit Card and Barclaycard Arrival Plus® World Elite Mastercard®: Easiest travel redemption

  • Citi® Double Cash Card – 18 month BT offer: Best for cash back

  • Chase Freedom®: Best for bonus categories

  • Blue Cash Preferred® Card from American Express: Best for everyday spending

  • Chase Slate®Best for balance transfers

  • Citi Simplicity® Card: Longest 0% Intro APR period

  • Citi ThankYou® Preferred Card for College Students: Best for students

  • Ink Plus® Business Credit Card: Best for business

  • Barclaycard Rewards MasterCard®: Best for fair/average credit

To view rates and fees of the Delta SkyMiles® Gold American Express Card, see this page. To view rates and fees of the Blue Cash Preferred® Card from American Express, see this page. To view rates and fees of the American Express Blue Business Cash™ Card, see this page.

Last updated on August 8, 2022

Methodology

NerdWallet's credit cards team selects the best credit cards in each category based on overall consumer value. Factors in our evaluation include fees, promotional and ongoing APRs, and sign-up bonuses; for rewards cards, we consider earning and redemption rates, redemption options and redemption difficulty. A single card is eligible to be chosen as among the "best" in multiple categories. Learn how NerdWallet rates credit cards.