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13 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 for Bonus Categories and First Year Cashback Match

Discover it® Cash Back

Apply now

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

Rates & Fees
Annual Fee: $0

Excellent for Cash-Back Pairing with Chase Sapphire Preferred®

Chase Freedom Unlimited®

Apply now

on Chase's website

Annual Fee: $0

Excellent for Lucrative Rewards for Everyday Spending

Citi Custom Cash℠ Card

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on Citibank's application

Annual Fee: $0

Excellent for Airline Miles and a Large Bonus

Chase Sapphire Preferred® Card

Apply now

on Chase's website

Annual Fee: $95

Excellent Credit Cards From Our Partners

Recently Updated May 16, 2022

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

12.24%-23.24% 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

15.24%-23.99% Variable APR

Recommended Credit Score

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

14.74%-24.74% 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

16.24%-23.24% Variable APR

Recommended Credit Score

Excellent for

Cost-Effective Balance Transfer

BankAmericard® credit card

4.7

NerdWallet rating 
Apply now

on Bank of America's website, or call 800-322-7707

Annual fee

$0

Intro APR

0% intro APR for 18 billing cycles on purchases, and on any balance transfers made within 60 days of account opening

Regular APR

13.24%-23.24% 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

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

15.74%, 20.74%, or 25.74% Variable APR

Recommended Credit Score

Excellent for

Long 0% Period for Transfers and Purchases

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

13.74%-25.74% 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

14.49%-24.49% 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

Everyday Spending

Blue Cash Preferred® Card from American Express

5.0

NerdWallet rating 
Apply now

on American Express's website

Annual fee

$0 intro for the first year, then $95

Intro APR

0% intro APR on Purchases for 12 months

Regular APR

14.74%-24.74% Variable APR

Recommended Credit Score

Excellent for

Balance Transfers and Bonus Categories

Discover it® Balance Transfer

4.9

NerdWallet rating 
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

12.24%-23.24% Variable APR

Recommended Credit Score

Excellent for

Cash Back on Everyday Spending

Blue Cash Everyday® Card from American Express

4.3

NerdWallet rating 
Apply now

on American Express's website

Annual fee

$0

Intro APR

0% intro APR on Purchases for 15 months

Regular APR

14.74%-24.74% Variable APR

Recommended Credit Score