The Top Credit Cards for 2022

Find the Best Credit Card for Your Needs

Finding your perfect credit card doesn’t have to be a hassle. The BestCards team has researched and reviewed over 1,000 credit, debit, and charge cards from over 100 leading banks and credit unions. We’ve analyzed cards for every lifestyle and set of needs to simplify your search for the top credit cards of 2022.

The Best Credit Card to Earn Rewards

Rewards credit cards earn valuable cashback, miles, or points that can be used for travel bookings and more. Find a rewards credit card that provides lucrative cash back or points that match your spending habits and lifestyle:

BEST FEATURES

  • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • 0% intro APR for 18 months on BTs

MORE INFO

  • To earn cash back, pay at least the minimum due on time.
  • Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
  • View the full terms and conditions here

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Citi Custom Cash Mastercard
upgrade visa card with cash rewards
mastercard black card new

The Best Credit Card to Pay Down Balances

Maintaining a solid credit score means keeping your card balances down below 30% of overall credit. One way to quickly pay down existing credit card balances is by transferring existing debt to a new credit card at a lower interest rate. Save money with some of the top balance transfer credit card picks from our staff:

BEST FEATURES

  • No Late Fees, No Penalty Rate, and No Annual Fee… Ever
  • 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. 
  • Stay protected with Citi® Quick Lock and $0 liability on unauthorized charges
  • Citi Merchant Offers access

MORE INFO

  • Balance transfers must be completed within 4 months of account opening.
  • There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater.
  • View the full terms and conditions here

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citi diamond
upgrade visa card with cash rewards
chase slate edge visa credit builder credit card

The Best Credit Card for a Low APR

The best credit scores enjoy the lowest interest rates. A low APR credit card is one where the interest charged is below the national average. Browse leading low APR credit card picks from our team:

BEST FEATURES

  • No Late Fees, No Penalty Rate, and No Annual Fee… Ever
  • 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. 
  • Stay protected with Citi® Quick Lock and $0 liability on unauthorized charges

OTHER INFO

  • Balance transfers must be completed within 4 months of account opening.
  • There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater.
  • View full terms and conditions

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citi simplicity card
upgrade visa card with cash rewards
upgrade triple cash rewards

The Best Credit Card to Start Building Your Credit

Building credit can start at any time, but your college years are an ideal place to begin. 

BEST FEATURES

  • 1% Cash Back rewards on every purchase
  • Free access to your Vantage 3.0 Score from Experian (When you sign up for e-statements)
  • Monthly reporting to the three major credit bureaus

MORE INFO

  • Checking Account Required, initial refundable deposit of $300 becomes your credit limit

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merrick bank double your line secured 1200x630
Self secured visa
opensky secured visa card

The Best Credit Card for Improving Your Credit

If you have no credit history or you’ve had some issues with finances in the past, you may struggle to get approved for a credit card. Yet without one, it can be difficult to build or rebuild your credit score to qualify for future offers. Build credit with a credit repair or credit builder credit card, including secured credit cards:

BEST FEATURES

  • See if you qualify instantly without harming your credit score
  • Get a higher credit line if you’re in good standing after making your first 6 payments on time
  • Instant decision on your application
  • No interest on purchases when you pay in full and on time each month
  • No security deposit required – get started today!

MORE INFO

  • Variable annual fee based on offer

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new fit mastercard 1200x630
destinymastercard
total visa unsecured credit card

The Best Credit Card for Students

Building credit can start at any time, but your college years are an ideal place to begin.  Our team has found a selection of student credit cards designed to help cardholders build or improve their credit history:

BEST FEATURES

  • Receive one year of Amazon Prime Student on Deserve after spending $500 in the first three billing cycles with your EDU card (Lifetime Value of $59)
  • Earn 1% Cash Back on all purchases with your Deserve EDU Mastercard. Once approved, you’ll automatically start earning cash back on all purchases
  • Feel secure with cell phone protection up to $600

MORE INFO

  • No international transaction fees on purchases abroad so you can travel with confidence
  • No Social Security Number required for international students to apply

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capital one journey rewards
chase freedom student credit card
discover it student

The Best Credit Card for Crypto Rewards

Crypto rewards cards, including crypto credit, debit, and prepaid cards, are innovative products that often offer cash back rewards in the form of cryptocurrency. Browse the best crypto rewards card offers to find the ideal card for your spending style:

BEST FEATURES

  • Earn 1.5% back in bitcoin on every purchase
  • Earn 2% back in bitcoin on every purchase over $50,000 of annual spending
  • Earn 3.5% back in bitcoin during your first 3 months of card ownership

MORE INFO

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Upgrade Visa® Card with Bitcoin Rewards btc credit card
fold debit crypto visa card
cryptocom-visa-prepaid-card

The Best Credit Card for Businesses

Business credit cards work like personal cards, with a few key differences – namely, how they use and affect credit. Don’t settle for a personal card that doesn’t fit your company’s needs – browse top small business credit cards from our team:

BEST FEATURES

  • Ideal for companies that struggle with expense reports, reimbursements, receipts, and expensive annual service contracts
  • Combines seamless expense management software with business cards so you never have to process another expense report

MORE INFO

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divvy credit builder 224x141
brex mastercard
marriott bonvoy business american express card

Browse Our Financial Resources

Our team has created numerous resources to help you better understand not only credit card offers, but also your credit health and journey.:

 

How to Use Autopay with Credit Cards

Tackling money problems is something to which we can all relate. While most of us are familiar with the concept of autopay, not everyone takes advantage of this convenient option.

Save Money w/ the Servicemembers Civil Relief Act

ecause our active-duty military personnel risk so much to protect our freedoms, they are provided with financial benefits, like the SCRA and MLA, to make their deployment a little less stressful.

Should You Close Old Credit Card Accounts?

Having unused credit cards can seem like a waste of time and money. After all, why keep a credit card that you don’t want? So, should you close your old credit card accounts or keep them open?

What Is a Deep Subprime Credit Score?

According to the consumer Finance Protection Bureau (CFPB), approximately 13% of the U.S. adult population has deep-subprime credit. But what exactly is “deep subprime credit”

What Is a Prime Credit Score?

Prime credit is a term that is thrown out often in credit repair and lending circles, but what does it mean? Here's what you need to know to boost your flagging score.

How to Get a Super-Prime Credit Score

Super-prime credit is the crème de la crème in the credit world. Not many people may be familiar with the term, but having super-prime credit can get you the best credit cards, the lowest interest rates, and the most lucrative rewards.

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