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10 Excellent Credit Cards of 2022

Featured

Chase Freedom Unlimited Credit Card

on Chase's website

Chase Freedom Unlimited Credit Card

5.0

NerdWallet rating 

on Chase's website

Benefits

  • 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).
  • 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!
  • 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!
  • No annual fee.

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

Excellent for

Lucrative Rewards for Everyday Spending

Citi Custom Cash℠ Card

4.7

NerdWallet rating 
Apply now

on Citibank's application

Annual fee

$0

Intro APR

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

Regular APR

15.49% - 25.49% Variable APR

Recommended Credit Score

Excellent for

Flat Rate Cash Back

Citi® Double Cash Card – 18 month BT offer

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

15.49%-25.49% Variable APR

Recommended Credit Score

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

16.24%-24.24% Variable APR

Recommended Credit Score

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

15.24%-25.24% Variable APR

Recommended Credit Score

Excellent for

Long 0% Interest Periods for Balance Transfers

Citi® Diamond Preferred® Card

4.4

NerdWallet rating 
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

15.24%-25.24% Variable APR

Recommended Credit Score

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

16.74%-23.74% Variable APR

Recommended Credit Score

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

16.49%, 21.49%, or 26.49% Variable APR

Recommended Credit Score

Excellent for

Long 0% Period for Transfers and Purchases

U.S. Bank Visa® Platinum Card

5.0

NerdWallet rating 
Apply now

on US Bank's website

Annual fee

$0

Intro APR

0% intro APR for 20 billing cycles on purchases and balance transfers

Regular APR

15.99%-25.99% Variable APR

Recommended Credit Score

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

15.74%-24.49% Variable APR

Recommended Credit Score

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

12.74%-23.74% Variable APR

Recommended Credit Score