CREDIT CARDSCREDIT CARDSEXCELLENT CREDIT CARDS OF 2022
ADVERTISEMENT: products from our partners

17 Excellent Credit Cards of 2022

NerdWallet's 17 Excellent Credit Cards of 2022

Excellent Credit Cards From Our Partners

Credit card
NerdWallet rating
Annual feeIntro APRRegular APRLearn more
Wells Fargo Active Cash® Card card image
Wells Fargo Active Cash® Card
Apply Now
on Wells Fargo's website
Rates & Fees
5.0/5
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

19.99%, 24.99%, or 29.99% Variable APR

Apply Now
on Wells Fargo's website
Capital One Venture Rewards Credit Card card image
Capital One Venture Rewards Credit Card
Apply Now
on Capital One's website
Excellent for Flat-Rate Travel Rewards

$95

N/A

20.74%-28.74% Variable APR

Apply Now
on Capital One's website
Chase Freedom Unlimited® card image
Chase Freedom Unlimited®
Apply Now
on Chase's website
Excellent for Cash-Back Pairing with Chase Sapphire Preferred®

$0

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

19.74%-28.49% Variable APR

Apply Now
on Chase's website
Capital One SavorOne Cash Rewards Credit Card card image
Capital One SavorOne Cash Rewards Credit Card
Apply Now
on Capital One's website
Excellent for Dining and Groceries + No Annual Fee

$0

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

19.74%-29.74% Variable APR

Apply Now
on Capital One's website
Discover it® Cash Back card image
Discover it® Cash Back
Apply Now
on Discover's website,or call 800-347-0264
Excellent for Bonus Categories and First Year Cashback Match

$0

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

16.74%-27.74% Variable APR

Apply Now
on Discover's website,or call 800-347-0264
Blue Cash Preferred® Card from American Express card image
Blue Cash Preferred® Card from American Express
Apply Now
on American Express' website
Excellent for Everyday Spending

$0 intro annual fee for the first year, then $95.

0% intro APR for 12 months on purchases and balance transfers

18.99%-29.99% Variable APR

Apply Now
on American Express' website
Citi® Diamond Preferred® Card card image
Citi® Diamond Preferred® Card
Apply Now
on Citibank's application
Excellent for Long 0% Interest Periods for Balance Transfers

$0

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

17.99%-28.74% Variable APR

Apply Now
on Citibank's application
Citi Custom Cash℠ Card card image
Citi Custom Cash℠ Card
Apply Now
on Citibank's application
Excellent for Lucrative Rewards for Everyday Spending

$0

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

18.99%-28.99% Variable APR

Apply Now
on Citibank's application
Wells Fargo Reflect® Card card image
Wells Fargo Reflect® Card
Apply Now
on Wells Fargo's website
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

17.99%-29.99% Variable APR

Apply Now
on Wells Fargo's website
U.S. Bank Visa® Platinum Card card image
U.S. Bank Visa® Platinum Card
Apply Now
on US Bank's website
Excellent for Long 0% Period for Transfers and Purchases

$0

0% intro APR for 18 billing cycles on purchases and balance transfers

19.49%-29.49% Variable APR

Apply Now
on US Bank's website
Bank of America® Travel Rewards credit card card image
Bank of America® Travel Rewards credit card
Apply Now
on Bank of America's website,or call (800) 211-3740
Excellent for Flat-Rate Travel Rewards + No Annual Fee

$0

0% intro APR on Purchases for 18 billing cycles and 0% intro APR on Balance Transfers for 18 billing cycles for any balance transfers made in the first 60 days

17.74%-27.74% Variable APR

Apply Now
on Bank of America's website,or call (800) 211-3740
BankAmericard® credit card card image
BankAmericard® credit card
Apply Now
on Bank of America's website,or call (800) 322-7707
Excellent for Cost-Effective Balance Transfer

$0

0% intro APR on Purchases for 21 billing cycles and 0% intro APR on Balance Transfers for 21 billing cycles for any balance transfers made in the first 60 days

15.74%-25.74% Variable APR

Apply Now
on Bank of America's website,or call (800) 322-7707
Chase Sapphire Preferred® Card card image
Chase Sapphire Preferred® Card
Apply Now
on Chase's website
Excellent for Airline Miles and a Large Bonus

$95

N/A

21.24%-28.24% Variable APR

Apply Now
on Chase's website
The Platinum Card® from American Express card image
The Platinum Card® from American Express
Apply Now
on American Express' website
Excellent for Luxury Travel Perks

$695

See Pay Over Time APR

Apply Now
on American Express' website
Discover it® Balance Transfer card image
Discover it® Balance Transfer
Apply Now
on Discover's website
Excellent for Balance Transfers and Bonus Categories

$0

0% intro APR on Purchases for 6 months and 0% intro APR on Balance Transfers for 18 months

16.74%-27.74% Variable APR

Apply Now
on Discover's website
Citi® Double Cash Card card image
Citi® Double Cash Card
Apply Now
on Citibank's application
Excellent for Flat Rate Cash Back

$0

0% intro APR on Balance Transfers for 18 months

18.99%-28.99% Variable APR

Apply Now
on Citibank's application
Blue Cash Everyday® Card from American Express card image
Blue Cash Everyday® Card from American Express
Apply Now
on American Express' website
Excellent for Cash Back on Everyday Spending

$0

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

18.99%-29.99% Variable APR

Apply Now
on American Express' website

Excellent for: Cash Back — High Flat Rate + Incentives

Wells Fargo Active Cash® Card card image
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 from account opening and 0% intro APR on Balance Transfers for 15 months from account opening on qualifying balance transfers

Regular APR

19.99%, 24.99%, or 29.99% Variable APR

Recommended Credit Score

Excellent for: Flat-Rate Travel Rewards

Capital One Venture Rewards Credit Card card image
4.7
Apply Now
on Capital One's website

Annual fee

$95

Intro APR

N/A

Regular APR

20.74%-28.74% Variable APR

Recommended Credit Score

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

Apply Now
on Chase's website

Annual fee

$0

Intro APR

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

Regular APR

19.74%-28.49% Variable APR

Recommended Credit Score

Excellent for: Dining and Groceries + No Annual Fee

Apply Now
on Capital One's website

Annual fee

$0

Intro APR

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

Regular APR

19.74%-29.74% Variable APR

Recommended Credit Score

Excellent for: Bonus Categories and First Year Cashback Match

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

Annual fee

$0

Intro APR

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

Regular APR

16.74%-27.74% Variable APR

Recommended Credit Score

Excellent for: Everyday Spending

Apply Now
on American Express' website

Annual fee

$0 intro annual fee for the first year, then $95.

Intro APR

0% intro APR for 12 months on purchases and balance transfers

Regular APR

18.99%-29.99% Variable APR

Recommended Credit Score

Excellent for: Long 0% Interest Periods for Balance Transfers

Apply Now
on Citibank's application

Annual fee

$0

Intro APR

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

Regular APR

17.99%-28.74% Variable APR

Recommended Credit Score

Excellent for: Lucrative Rewards for Everyday Spending

Apply Now
on Citibank's application

Annual fee

$0

Intro APR

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

Regular APR

18.99%-28.99% Variable APR

Recommended Credit Score

Excellent for: Long 0% Period for Transfers and Purchases

Apply Now
on Wells Fargo's website

Annual fee

$0

Intro APR

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

Regular APR

17.99%-29.99% Variable APR

Recommended Credit Score

Excellent for: Long 0% Period for Transfers and Purchases

Apply Now
on US Bank's website

Annual fee

$0

Intro APR

0% intro APR for 18 billing cycles on purchases and balance transfers

Regular APR

19.49%-29.49% Variable APR

Recommended Credit Score

Excellent for: Flat-Rate Travel Rewards + No Annual Fee

Apply Now
on Bank of America's website,or call (800) 211-3740

Annual fee

$0

Intro APR

0% intro APR on Purchases for 18 billing cycles and 0% intro APR on Balance Transfers for 18 billing cycles for any balance transfers made in the first 60 days

Regular APR

17.74%-27.74% Variable APR

Recommended Credit Score

Excellent for: Cost-Effective Balance Transfer

Apply Now
on Bank of America's website,or call (800) 322-7707

Annual fee

$0

Intro APR

0% intro APR on Purchases for 21 billing cycles and 0% intro APR on Balance Transfers for 21 billing cycles for any balance transfers made in the first 60 days

Regular APR

15.74%-25.74% Variable APR

Recommended Credit Score

Excellent for: Airline Miles and a Large Bonus

Apply Now
on Chase's website

Annual fee

$95

Intro APR

N/A

Regular APR

21.24%-28.24% Variable APR

Recommended Credit Score

Excellent for: Luxury Travel Perks

Apply Now
on American Express' website

Annual fee

$695

Intro APR

Regular APR

See Pay Over Time APR

Recommended Credit Score

Excellent for: Balance Transfers and Bonus Categories

Apply Now
on Discover's website

Annual fee

$0

Intro APR

0% intro APR on Purchases for 6 months and 0% intro APR on Balance Transfers for 18 months

Regular APR

16.74%-27.74% Variable APR

Recommended Credit Score

Excellent for: Flat Rate Cash Back

Apply Now
on Citibank's application

Annual fee

$0

Intro APR

0% intro APR on Balance Transfers for 18 months

Regular APR

18.99%-28.99% Variable APR

Recommended Credit Score

Excellent for: Cash Back on Everyday Spending

Apply Now
on American Express' website

Annual fee

$0

Intro APR

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

Regular APR

18.99%-29.99% Variable APR

Recommended Credit Score

NerdWallet Pixel