ADVERTISEMENT: products from our partners

8 Excellent Credit Cards of 2022

From huge sign-up 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 the right one for you.

NerdWallet's Excellent Credit Cards of 2022

Excellent Credit Cards From Our Partners

Recently Updated December 1, 2022

Excellent for

Cash-Back Pairing with Chase Sapphire Preferred®

Chase Freedom Unlimited®

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

17.99%-26.74% Variable APR

Recommended Credit Score
  • 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.

Apply Now

on Chase's website

  • 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.

Apply Now

on Chase's website

Pros

  • No annual fee

  • Intro APR period

  • High rewards rate

  • No minimum redemption amount

Cons

  • Requires good/excellent credit

Read full review

Excellent for

Dining and Groceries + No Annual Fee

Capital One SavorOne Cash Rewards Credit Card

5.0

NerdWallet rating 
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

17.99%-27.99% Variable APR

Recommended Credit Score
  • Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening

  • 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

  • Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024

  • Earn 8% cash back on Capital One Entertainment purchases

  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply

  • 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

  • 0% intro APR on purchases and balance transfers for 15 months; 17.99% - 27.99% variable APR after that; 3% fee on the amounts transferred within the first 15 months

  • No foreign transaction fee

  • No annual fee

Apply Now

on Capital One's website

Pros

  • No annual fee

  • Intro APR period

  • Bonus categories

  • No foreign transaction fees

Cons

  • Requires good/excellent credit

Read full review

Excellent for

Cash Back — High Flat Rate + Incentives

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

18.74%, 23.74%, or 28.74% Variable APR

Recommended Credit Score
  • 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 18.74%, 23.74%, or 28.74% 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
Apply Now

on Wells Fargo's website

Pros

  • High rewards rate

  • No annual fee

  • Intro APR period

Cons

  • No bonus categories

Read full review

Excellent for

Airline Miles and a Large Bonus

Chase Sapphire Preferred® Card

5.0

NerdWallet rating 
Apply now

on Chase's website

Annual fee

$95

Intro APR

N/A

Regular APR

18.99%-25.99% Variable APR

Recommended Credit Score
  • 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.

Apply Now

on Chase's website

Pros

  • New cardholder bonus offer

  • Bonus categories

  • Primary rental car coverage

  • Flexible rewards redemption

  • Transfer partners

Cons

  • Has annual fee

  • Requires good/excellent credit

  • Complicated rewards

Read full review

Excellent for

Flat-Rate Travel Rewards

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

18.99%-26.99% Variable APR

Recommended Credit Score
  • 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

Apply Now

on Capital One's website

Pros

  • High rewards rate

  • Flexible rewards redemption

Cons

  • High annual fee

  • Rewards have limited flexibility

  • Requires good/excellent credit

Read full review

Excellent for

Bonus Categories and First Year Cashback Match

Discover it® Cash Back

4.9

NerdWallet rating 
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

15.74%-26.74% Variable APR

Recommended Credit Score
  • 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! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.

  • Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.

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

  • Every $1 you earn in cash back is $1 you can redeem.

  • Get a 0% intro APR for 15 months on purchases. Then 15.74% to 26.74% Standard Variable Purchase APR applies, based on credit worthiness.

  • No annual fee.

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

  • View Rates & Fees
Apply Now

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

Pros

  • No annual fee

  • Intro APR period

  • Bonus categories

  • Cash rewards

Cons

  • Complicated rewards

  • Spending caps on bonus rewards

  • Lower acceptance abroad

Read full review

Excellent for

Longest 0% intro APR period

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

16.74%-28.74% Variable APR

Recommended Credit Score
  • 0% intro APR for 18 months from account opening on purchases and qualifying balance transfers. Intro APR extension for 3 months with on-time minimum payments during the intro period. 16.74% to 28.74% 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 against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible).

  • Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants. It's an easy way to earn cash back as an account credit when you shop, dine, or enjoy an experience simply by using an eligible Wells Fargo credit card.

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

  • View Rates & Fees
Apply Now

on Wells Fargo's website

Pros

  • No annual fee

  • Intro APR period

Cons

  • No rewards

Read full review

Excellent for

Flat Rate Cash Back

Citi® Double Cash Card

4.6

NerdWallet rating 
Apply now

on Citibank's application

Annual fee

$0

Intro APR

0% intro APR on Balance Transfers for 18 months

Regular APR

17.74%-27.74% Variable APR

Recommended Credit Score
  • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.

  • To earn cash back, pay at least the minimum due on time.

  • Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 17.74% - 27.74%, based on your creditworthiness.

  • Balance Transfers do not earn cash back. Intro APR does not apply to purchases.

  • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.

  • There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).

Apply Now

on Citibank's application

Pros

  • No annual fee

  • High rewards rate

  • Intro balance transfer fee

Cons

  • Requires good/excellent credit

  • No bonus categories

  • No bonus offer

Read full review