CREDIT CARDSCREDIT CARDSEXCELLENT CREDIT CARDS OF 2022
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10 Excellent Credit Cards of 2022

NerdWallet's Excellent Credit Cards of 2022

Excellent Credit Cards From Our Partners

Credit card
NerdWallet rating
Annual feeIntro APRRegular APR
Learn more
Discover it® Cash Back Image
Discover it® Cash Back
Apply Now
on Discover's website,
on Discover's website, or call 800-347-0264
Rates & Fees
4.9/5
Excellent for Bonus Categories and First Year Cashback Match

$0

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

18.24%-28.24% Variable APR

Apply Now
on Discover's website,
on Discover's website, or call 800-347-0264
Capital One Venture Rewards Credit Card Image
Capital One Venture Rewards Credit Card
Excellent for Flat-Rate Travel Rewards

$95

N/A

19.99%-29.99% Variable APR

Chase Sapphire Preferred® Card Image
Chase Sapphire Preferred® Card
Apply Now
on Chase's website
on Chase's website
Excellent for Airline Miles and a Large Bonus

$95

N/A

21.49%-28.49% Variable APR

Apply Now
on Chase's website
on Chase's website
Wells Fargo Active Cash® Card Image
Wells Fargo Active Cash® Card
Excellent for Cash Back — High Flat Rate + Incentives

$0

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

20.24%, 25.24%, or 29.99% Variable APR

Chase Freedom Unlimited® Image
Chase Freedom Unlimited®
Apply Now
on Chase's website
on Chase's website
Excellent for Cash-Back Pairing with Chase Sapphire Preferred®

$0

0% intro APR on purchases and Balance Transfers for 15 months

20.49%-29.24% Variable APR

Apply Now
on Chase's website
on Chase's website
Citi Custom Cash® Card Image
Citi Custom Cash® Card
Excellent for Lucrative Rewards for Everyday Spending

$0

0% intro APR on Purchases and Balance Transfers for 15 months

19.24%-29.24% Variable APR

Capital One SavorOne Cash Rewards Credit Card Image
Capital One SavorOne Cash Rewards Credit Card
Excellent for Dining and Groceries + No Annual Fee

$0

0% intro APR for 15 months on purchases and balance transfers; balance transfer fee applies

19.99%-29.99% Variable APR

Citi® Diamond Preferred® Card Image
Citi® Diamond Preferred® Card
Excellent for Long 0% Interest Periods for Balance Transfers

$0

0% Intro APR for 21 months on Balance Transfers and 12 months on Purchases

18.24%-28.99% Variable APR

Blue Cash Everyday® Card from American Express Image
Blue Cash Everyday® Card from American Express
Excellent for Cash Back on Everyday Spending

$0

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

19.24%-29.99% Variable APR

Wells Fargo Reflect® Card Image
Wells Fargo Reflect® Card
Excellent for Long 0% Period for Transfers and Purchases

$0

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

18.24%, 24.74%, or 29.99% Variable APR

Excellent for: Bonus Categories and First Year Cashback Match

Discover it® Cash Back card image
Discover it® Cash Back
4.9
NerdWallet rating
Annual fee
$0
Intro APR
0% intro APR for 15 months on purchases and balance transfers
Regular APR
18.24%-28.24% Variable APR
Recommended Credit Score

Excellent for: Flat-Rate Travel Rewards

Capital One Venture Rewards Credit Card card image
4.7
Annual fee
$95
Intro APR
N/A
Regular APR
19.99%-29.99% Variable APR
Recommended Credit Score

Excellent for: Airline Miles and a Large Bonus

Apply Now
on Chase's website
on Chase's website
Annual fee
$95
Intro APR
N/A
Regular APR
21.49%-28.49% Variable APR
Recommended Credit Score

Excellent for: Cash Back — High Flat Rate + Incentives

Annual fee
$0
Intro APR
0% intro APR on Purchases for 15 months from account opening and 0% intro APR on Balance Transfers for 15 months from account opening on qualifying balance transfers
Regular APR
20.24%, 25.24%, or 29.99% Variable APR
Recommended Credit Score

Excellent for: Cash-Back Pairing with Chase Sapphire Preferred®

Apply Now
on Chase's website
on Chase's website
Annual fee
$0
Intro APR
0% intro APR on purchases and Balance Transfers for 15 months
Regular APR
20.49%-29.24% Variable APR
Recommended Credit Score

Excellent for: Lucrative Rewards for Everyday Spending

Annual fee
$0
Intro APR
0% intro APR on Purchases and Balance Transfers for 15 months
Regular APR
19.24%-29.24% Variable APR
Recommended Credit Score

Excellent for: Dining and Groceries + No Annual Fee

Annual fee
$0
Intro APR
0% intro APR for 15 months on purchases and balance transfers; balance transfer fee applies
Regular APR
19.99%-29.99% Variable APR
Recommended Credit Score

Excellent for: Long 0% Interest Periods for Balance Transfers

Annual fee
$0
Intro APR
0% Intro APR for 21 months on Balance Transfers and 12 months on Purchases
Regular APR
18.24%-28.99% Variable APR
Recommended Credit Score

Excellent for: Cash Back on Everyday Spending

Annual fee
$0
Intro APR
0% intro APR for 15 months on purchases and balance transfers
Regular APR
19.24%-29.99% Variable APR
Recommended Credit Score

Excellent for: Long 0% Period for Transfers and Purchases

Annual fee
$0
Intro APR
0% intro APR for 21 months from account opening on purchases and qualifying balance transfers
Regular APR
18.24%, 24.74%, or 29.99% Variable APR
Recommended Credit Score
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