When it comes to the Best Credit Cards for 2022 to make use of, there is no single option to meet the needs of every family, every purchase, or every budget? And for this reason, we have put together a list of the best Credit cards at the time this article is written.
This article has placed the credit cards in a way that is designed to be very helpful to the widest variety of people that would be reading this content. Rather than selecting the next nine options, we have put together the best cards for a variety of situations.
The list that I would be giving you below only contains personal credit cards, so if you happen to be looking for a credit card for your business, then you should consider our list of the best business credit cards.
Best Credit Cards
Some of the best credit cards offer a combination of lucrative rewards, Lengthy promotional APRs on purchases or balance transfers, generous welcome offers, and generally favorable terms and conditions.
If you would want to rate the best credit card for yourself, personally you need to understand your spending habits first. That way you would know which one works best for you. So without further ado, let’s step right into the deal of this content.
Best Cash Back Credit Cards
If you are looking to get your hand on the best cash-back credit cards at the moment, then check out the one below:
Chase Freedom Flex℠
- Welcome Bonus: $200 bonus
- Annual Fee: $0
- Credit Score: Excellent, Good (700 – 749)
- Regular APR: 15.74% – 24.49% Variable
Wells Fargo Active Cash® Card
- Welcome Bonus: $200 Cash Rewards
- Annual Fee: $0
- Credit Score: Excellent, Good (700 – 749)
- Regular APR: 16.49%, 21.49%, or 26.49% variable APR
Best Flexible Travel Rewards Cards
These credit cards are the best flexible travel reward credit cards that you can find at the moment:
Capital One Venture X Rewards Credit Card
- Welcome Bonus: 75,000 miles
- Annual Fee: $395
- Credit Score: Excellent (750 – 850)
- Regular APR: 17.24% – 24.24% (Variable)
Chase Sapphire Preferred® Card
- Welcome Bonus: 60,000 bonus points
- Annual Fee: $95
- Credit Score: Excellent, Good (700 – 749)
- Regular APR: 16.74% – 23.74% Variable
Chase Sapphire Reserve®
- Welcome Bonus: 60,000 bonus points
- Annual Fee: $550
- Credit Score: Excellent (750 – 850)
- Regular APR: 17.74% – 24.74% Variable
The Platinum Card® from American Express
- Welcome Bonus: Earn 100,000 points
- Annual Fee: $695
- Credit Score: Excellent/Good (700 – 749)
- Regular APR: See Pay Over Time APR
Best Airline Credit Cards
If you are into airline credits, then this list was meant for you.
United Club℠ Infinite Card
- Welcome Bonus: 100,000 bonus miles
- Annual Fee: $525
- Credit Score: Excellent (750 – 850)
- Regular APR: 17.24% – 24.24% Variable
Aeroplan® Credit Card
- Welcome Bonus: Welcome Flight Reward + up to 51,000 points
- Annual Fee: $95
- Credit Score: Good, Excellent (700 – 749)
- Regular APR: 17.24% – 24.24% Variable
Best Hotel Credit Cards
below is the best Hotel Credit cards that you can get your hands on at the moment.
Hilton Honors Aspire Card from American Express *
- Welcome Bonus: Earn 150,000 points
- Annual Fee: $450
- Credit Score: 17.24% – 26.24% variable
- Regular APR: Good/Excellent (700 – 749)
Best Credit Cards for Students
If you are a student, then today is your lucky day as there are some credit cards below that would be very useful to you:
Wells Fargo Reflect℠ Card
- Welcome Bonus: N/A
- Annual Fee: $0
- Credit Score: Excellent, Good (700 – 749)
- Regular APR: 14.49%-26.49% variable APR
Discover it® Student Cash Back
- Welcome Bonus: Cashback Match™
- Annual Fee: $0
- Credit Score: Fair/New to Credit
- Regular APR: 13.74% – 22.74% Variable APR
Best Credit Cards with Category Bonuses
when it comes to the bonus category, trust me you would not want to miss out on these credit cards.
Blue Cash Preferred® Card from American Express
- Welcome Bonus: Earn $350
- Annual Fee: $95
- Credit Score: Excellent/Good (700 – 749)
- Regular APR: 15.49%-25.49% Variable
Amazon Prime Rewards Visa Signature Card *
- Welcome Bonus: Amazon gift card
- Annual Fee: $0 with Prime membership
- Credit Score: Good/Excellent (700 – 749)
- Regular APR: 14.99% – 22.99% variable
U.S. Bank Altitude® Go Visa Signature® Card
- Welcome Bonus: 20,000 bonus points
- Annual Fee: $0
- Credit Score: Good/Excellent (700 – 749)
- Regular APR: 16.49% – 25.49% (Variable)
Best Cards for Customers With Bad Or No Credit
If you have no credit or your credit is bad, then you need to check out the credit card below:
Discover it® Secured Credit Card
- Welcome Bonus: Cashback Match™
- Annual Fee: $0
- Credit Score: New/Rebuilding Credit
- Regular APR: 23.74% Variable APR
Petal® 1 “No Annual Fee” Visa® Credit Card
- Welcome Bonus: N/A
- Annual Fee: $0
- Credit Score: Fair/Bad
- Regular APR: 20.74% – 30.24% (Variable)
So far these are the best credit card designed to meet all your various needs. you select your best card based on your spending habits, so just select the card that best suits you pocket.