FinanceBuzz's

Best Credit Cards of 2022

Whether you’re looking for a travel rewards, cash back, or 0% APR, take a look at these top cards from our partners.

FinanceBuzz is reader-supported. We may receive compensation from the products and services mentioned in this story, but the opinions are the author's own. Compensation may impact where offers appear. We have not included all available products or offers. Learn more about how we make money and our editorial policies.

Best Travel Cards

Intro Offer

Earn 60,000 points after spending $4,000 on purchases in the first 3 months

Annual Fee

$95

Rewards Rate

5X points on Lyft rides and travel booked through Chase Ultimate Rewards; 3X points on eligible dining, select streaming services, and online grocery purchases; 2X points on travel; and 1X points per $1 on all other eligible purchases

Why We Like It

If you love to travel, the Chase Sapphire Preferred® Card may be an excellent match for you. It’s one of the most popular travel credit cards available, offering a generous sign-up bonus for new cardmembers, premium travel benefits, and a strong rewards program.

With the Chase Sapphire Preferred, you earn 5X points on Lyft rides and travel booked through Chase Ultimate Rewards; 3X points on eligible dining, select streaming services, and online grocery purchases; 2X points on travel; and 1X points per $1 on all other eligible purchases.

Each year on your card anniversary, you will also earn bonus points equal to 10% of the total purchases you made in the previous year.

If you redeem your points for travel through Chase Ultimate Rewards, your points are worth 25% more, helping you get more value for your points. You can book hotel stays, airfare, and even cruises with your points.

Card Details
  • Earn 60,000 points after spending $4,000 on purchases in the first 3 months
  • 5X points on Lyft rides and travel booked through Chase Ultimate Rewards; 3X points on eligible dining, select streaming services, and online grocery purchases; 2X points on travel; and 1X points per $1 on all other eligible purchases

Intro Offer

Earn 75,000 bonus miles after spending $4,000 in the first 3 months

Annual Fee

$95

Rewards Rate

5X miles on hotels and rental cars booked through Capital One Travel and car shares booked through Turo; and 2X miles on all other purchases

Why We Like It

The Capital One Venture Rewards Credit Card is best for frequent travelers who aren’t loyal to one particular airline or hotel. It’s a travel rewards card with a generous welcome offer.

Cardholders can also enjoy 2 complimentary visits per year to Capital One Lounges and Plaza Premium Lounges.

You’ll earn 2X miles per $1 spent on every purchase you make and you'll get up to $100 as a statement credit for Global Entry or TSA PreCheck application fees, helping you breeze through airport security.

Card Details
  • Earn 75,000 bonus miles after spending $4,000 in the first 3 months
  • 5X miles on hotels and rental cars booked through Capital One Travel and car shares booked through Turo; and 2X miles on all other purchases

Annual Fee

$0

Why We Like It

The Bank of America® Travel Rewards credit card is great for individuals who enjoy earning rewards and traveling.

Cardholders will enjoy the flexibility to redeem points with no blackout dates and receive a statement credit to pay for travel purchases.

Earn 1.5X points on all purchases everywhere, every time.

Card Details
  • Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire.
  • 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.
  • Use your card to book your trip how and where you want - you're not limited to specific websites with blackout dates or restrictions.
  • Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.
  • New longer intro period! 0% Introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 16.24% - 26.24% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers.
  • If you're a Preferred Rewards member, you can earn 25%-75% more points on every purchase. That means instead of earning an unlimited 1.5 points for every $1, you could earn 1.87-2.62 points for every $1 you spend on purchases.
  • Contactless Cards - The security of a chip card, with the convenience of a tap.
  • This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

Citi Premier® Card

Citi Premier® Card

Citi Premier® Card

Intro Offer

Earn 80,000 bonus points after spending $4,000 in the first 3 months

Annual Fee

$95

Rewards Rate

3X points at restaurants, supermarkets, and gas stations, and on air travel and hotels; and 1X points on all other purchases

Why We Like It

The Citi Premier® Card is a rewards credit card fit for those who enjoy traveling and earning points on everyday spending.

Cardholders can redeem points for a wide range of rewards options, including: travel, cash back, gift cards, bill payments, and more.

Earn 3X points at restaurants, supermarkets, and gas stations, and on air travel and hotels; and 1X points on all other purchases.

Card Details
  • Earn 80,000 bonus points after spending $4,000 in the first 3 months
  • 3X points at restaurants, supermarkets, and gas stations, and on air travel and hotels; and 1X points on all other purchases

Intro Offer

Earn 75,000 bonus miles after spending $4,000 on purchases in the first 3 months

Annual Fee

$395

Rewards Rate

10X miles per dollar on hotels and car rentals booked through Capital One Travel and car shares booked through Turo; 5X miles on flights booked through Capital One Travel; and 2X miles per dollar spent on everything else

Why We Like It

This premium travel card from Capital One earns 10X miles per dollar on hotels and car rentals booked through Capital One Travel and car shares booked through Turo; 5X miles on flights booked through Capital One Travel; and 2X miles per dollar spent on everything else.

Cardholders receive up to $300 in annual travel credits for bookings made through Capital One Travel. They also receive 10,000 bonus miles (equal to $100 through Capital One Travel) on each account anniversary.

The Venture X provides complimentary and unlimited access to Priority Pass lounges, as well as access to Capital One Lounges and others in the Capital One Partner Lounge Network. You also receive up to a $100 statement credit for the Global Entry or TSA PreCheck programs.

Card Details
  • Earn 75,000 bonus miles after spending $4,000 on purchases in the first 3 months
  • 10X miles per dollar on hotels and car rentals booked through Capital One Travel and car shares booked through Turo; 5X miles on flights booked through Capital One Travel; and 2X miles per dollar spent on everything else

U.S. Bank Altitude® Connect Visa Signature® Card

U.S. Bank Altitude® Connect Visa Signature® Card

U.S. Bank Altitude® Connect Visa Signature® Card

Intro Offer

Earn 50,000 bonus points after spending $2,000 on purchases in the first 4 months

Annual Fee

$95 (waived first year)

Rewards Rate

5X points on hotels and car rentals booked through the Altitude Rewards Center; 4X points on travel and gas/EV charging stations; 2X points on grocery stores, grocery delivery, dining, and streaming services; and 1X points on all other purchases

Why We Like It

The U.S. Bank Altitude® Connect Visa Signature® Card offers some special features including a $30 annual credit for streaming services such as Netflix and Spotify, as well as cell phone protection. You can also receive up to $100 in statement credits toward your TSA PreCheck or Global Entry application fee (once every four years). 


This card earns generous rewards in areas where you are likely to spend regularly. You'll earn 5X points on hotels and car rentals booked through the Altitude Rewards Center; 4X points on travel and gas/EV charging stations; 2X points at grocery stores, and on grocery delivery, dining, and streaming services; and 1X points on all other purchases.

Card Details
  • Earn 50,000 bonus points after spending $2,000 on purchases in the first 4 months
  • 5X points on hotels and car rentals booked through the Altitude Rewards Center; 4X points on travel and gas/EV charging stations; 2X points on grocery stores, grocery delivery, dining, and streaming services; and 1X points on all other purchases

Intro Offer

Earn 100,000 Membership Rewards points after spending $6,000 in the first 6 months

Annual Fee

$695

Rewards Rate

5X points per dollar spent on eligible airfare (on up to $500,000 per calendar year, after that 1X) and eligible hotel purchases, and 1X points per dollar on all other eligible purchases

Why We Like It

If you want a premium rewards card with deluxe travel perks, consider The Platinum Card® from American Express. With a generous welcome offer, high rewards rate on eligible purchases, and upscale travel experiences, this card can enhance and streamline your next trip.

The Platinum Card® from American Express allows you to earn 5X points on flights booked directly with airlines or on Amextravel.com (on up to $500,000 per calendar year, after that 1X) and prepaid hotels booked on Amextravel.com.

The card offers a number of perks to justify its annual fee, including statement credits for airline fees, digital entertainment, Equinox, and CLEAR membership. You can also enjoy a $200 hotel credit each year on prepaid bookings at Fine Hotels + Resorts® or The Hotel Collection, which require a minimum two-night stay. Add a flight to this trip and receive up to $200 in statement credits once you select a qualifying airline and pay for incidental fees with your Card. (Select benefits require enrollment.)

You'll also gain access to more than 1,200 airport lounges in over 130 countries through the American Express Global Lounge Collection. You'll also automatically earn Gold Status with the Marriott Bonvoy and Hilton Honors programs. (Select benefits require enrollment.)®

Card Details
  • Earn 100,000 Membership Rewards points after spending $6,000 in the first 6 months
  • 5X points per dollar spent on eligible airfare (on up to $500,000 per calendar year, after that 1X) and eligible hotel purchases, and 1X points per dollar on all other eligible purchases
  • Terms apply

Citi® / AAdvantage® Platinum Select® World Elite Mastercard®

Citi® / AAdvantage® Platinum Select® World Elite Mastercard®

Citi® / AAdvantage® Platinum Select® World Elite Mastercard®

Intro Offer

Earn 50,000 American Airlines AAdvantage bonus miles after spending $2,500 in the first 3 months

Annual Fee

$99 (waived first year)

Rewards Rate

2X miles at gas stations and restaurants, and on eligible American Airlines purchases; and unlimited 1X miles on all other purchases

Why We Like It

The Citi® / AAdvantage® Platinum Select® World Elite Mastercard® is a solid airline credit card with a generous sign-up offer and exclusive perks when flying American Airlines.

Cardholders will enjoy their first checked bag free, preferred boarding, and savings on eligible in-flight purchases.

Earn 2X miles at gas stations and restaurants, and on eligible American Airlines purchases; and unlimited 1X miles on all other purchases.

Card Details
  • Earn 50,000 American Airlines AAdvantage bonus miles after spending $2,500 in the first 3 months
  • 2X miles at gas stations and restaurants, and on eligible American Airlines purchases; and unlimited 1X miles on all other purchases

Intro Offer

Earn 50,000 bonus points after spending $1,000 in the first 3 months

Annual Fee

$69

Rewards Rate

2X points for Southwest purchases; local transit, commuting, including rideshare; and internet, cable, phone services, and select streaming; plus 1X points on all other purchases

Why We Like It

The Southwest Rapid Rewards® Plus Credit Card is an excellent travel rewards card for travelers who prefer to fly on Southwest Airlines. New cardmembers can earn 50,000 bonus points after spending $1,000 in the first 3 months.

With the Southwest Airlines Rapid Rewards Plus card, you'll earn 2X points per $1 spent on Southwest purchases; local transit, commuting, and rideshare; and internet, cable, phone services, and select streaming.

You'll earn 1 point per $1 spent on all other purchases. There’s no limit to how many points you can earn, and your points don’t expire as long as your account is in good standing.

Every year on your cardmember anniversary, you’ll earn 3,000 bonus points.

Card Details
  • Earn 50,000 bonus points after spending $1,000 in the first 3 months
  • 2X points for Southwest purchases; local transit, commuting, including rideshare; and internet, cable, phone services, and select streaming; plus 1X points on all other purchases

Best Balance Transfer Cards

Intro Offer

Benefit from a long introductory APR period that could be extended by making the minimum payments on time each month

Annual Fee

$0

Why We Like It

The Wells Fargo Reflect® Card is a straightforward credit card that has a long introductory APR on purchases and balance transfers. If approved, you get 18 months of intro APR from account opening, but you may also qualify for an additional 3-month extension after that. Following the intro period, your balance will be subject to the regular APR.

With this card, you can also get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with it.

Card Details
  • 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. 15.99% to 27.99% 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

Annual Fee

$0

Why We Like It

The BankAmericard® credit card is a wonderful option for individuals who want to take advantage of a stellar introductory balance transfer sign-up offer. Cardholders can benefit from a 0% introductory APR on purchases and qualifying balance transfers for 21 billing cycles (then 14.24% - 24.24% variable APR).

Other benefits include no penalty APR or annual fees.

Card Details
  • New longer intro period! 0% Introductory APR for 21 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 14.24% - 24.24% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers.
  • No annual fee.
  • No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply.
  • Access your FICO® Score for free within Online Banking or your Mobile Banking app.
  • Contactless Cards - The security of a chip card, with the convenience of a tap.
  • This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

Citi Custom Cash℠ Card

Citi Custom Cash℠ Card

Citi Custom Cash℠ Card

Intro Offer

Earn $200 cash back after spending $1500 on purchases in the first 6 months

Annual Fee

$0

Rewards Rate

5% cash back in your top eligible spending category each billing cycle (up to the first $500 spent, and then 1% cash back after that), plus unlimited 1% cash back on all other purchases

Why We Like It

The Citi Custom Cash℠ Card is a great option for those who want flexible cash rewards, with no annual fee, and the option to pay off existing credit card debt over time. Cardholders earn 5% cash back in their top eligible spend category each billing cycle (up to $500) and 1% cash back on everything else.

In addition to generous cash back, the Citi Custom Cash Card offers a 0% introductory APR on balance transfers and purchases for 15 months, then 16.24% to 26.24% (variable) APR after that.

Card Details
  • Earn $200 cash back after spending $1500 on purchases in the first 6 months
  • 5% cash back in your top eligible spending category each billing cycle (up to the first $500 spent, and then 1% cash back after that), plus unlimited 1% cash back on all other purchases
  • Intro purchase 0% APR offer: 0% for 15 months then 16.24% to 26.24% (variable)
  • Intro balance transfer 0% APR offer: 0% for 15 months then 16.24% to 26.24% (variable)

Annual Fee

$0

Why We Like It

The Bank of America® Customized Cash Rewards credit card is a fantastic card for anyone who loves earning cash back on everyday purchases.

Earn 3% cash back on the category of your choice — dining, drugstores, gas, home improvement/furnishings, online shopping, or travel; 2% cash back at grocery stores and wholesale clubs (on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter); and 1% cash back on all other purchases.

Cardholders also benefit from a long introductory APR on purchases and qualifying balance transfers.

Card Details
  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
  • Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.
  • If you're a Preferred Rewards member, you can earn 25%-75% more cash back on every purchase. That means you could earn 3.75%-5.25% cash back on purchases in your choice category.
  • No annual fee and no expiration on rewards.
  • New longer intro period! 0% Introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 16.24% - 26.24% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers.
  • Contactless Cards - The security of a chip card, with the convenience of a tap.
  • This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

Intro Offer

Earn $200 cash back after spending $500 on purchases in the first 3 months

Annual Fee

$0

Rewards Rate

5% on rotating quarterly categories (on up to $1,500 spent) and travel purchased through the Chase Ultimate Rewards portal; 3% at restaurants (including takeout and delivery) and drugstores; and 1% on all other purchases

Why We Like It

With the Chase Freedom Flex℠, you can earn 5% on travel purchased through Chase Ultimate Rewards, 3% on dining and drugstore purchases, and 1% on all other purchases. You'll also be able to activate a different 5% bonus category each quarter. 

With no annual fee, the Chase Freedom Flex is a great option for both regular travel spending and everyday purchases. With the added earning potential of the rotating bonus category, the Flex could be a powerful tool for earning valuable Ultimate Rewards points.

The Chase Freedom Flex also provides purchase protection, extended warranty coverage, and cell phone protection.



Card Details
  • Earn $200 cash back after spending $500 on purchases in the first 3 months
  • 5% on rotating quarterly categories (on up to $1,500 spent) and travel purchased through the Chase Ultimate Rewards portal; 3% at restaurants (including takeout and delivery) and drugstores; and 1% on all other purchases
  • Intro purchase 0% APR offer: 0% for 15 months then 17.24% to 25.99% (variable)
  • Intro balance transfer 0% APR offer: 0% for 15 months then 17.24% to 25.99% (variable)

U.S. Bank Visa® Platinum Card

U.S. Bank Visa® Platinum Card

U.S. Bank Visa® Platinum Card

Intro Offer

Long 0% APR period on purchases and balance transfers

Annual Fee

$0

Why We Like It

The U.S. Bank Visa® Platinum Card is a great option for individuals looking for a card with a lengthy 0% introductory APR offer period.

Cardholders enjoy a 0% intro APR for 18 billing cycles on new purchases and balance transfers. And while it doesn't earn rewards, it does offer no annual fee, making it an inexpensive option.

Card Details
  • Long 0% APR period on purchases and balance transfers
  • Intro purchase 0% APR offer: 0% for 18 billing cycles then 17.49% to 27.49% (variable)
  • Intro balance transfer 0% APR offer: 0% for 18 billing cycles then 17.49% to 27.49% (variable)

Intro Offer

Earn a $200 cash back bonus after spending $500 in the first 3 months

Annual Fee

$0

Rewards Rate

1.5% cash back rewards on every purchase, every day; plus unlimited 5% cash back on hotels and rental cars booked through Capital One Travel

Why We Like It

If you want a rewards credit card and don’t want to worry about rotating spending categories, consider the Capital One Quicksilver Cash Rewards Credit Card. It’s a simple, easy-to-use card that offers a flat 1.5% cash back on every purchase you make, with no limit on how much you can earn.

The Capital One Quicksilver card also offers a competitive 0% introductory APR for 15 months on purchases and balance transfers, then a 16.49% to 26.49% variable APR. There is a  3% fee on balances transferred within the first 15 months.

The card also has a welcome bonus for new cardmembers, an unexpected perk for a card that has no annual fee.

Card Details
  • Earn a $200 cash back bonus after spending $500 in the first 3 months
  • 1.5% cash back rewards on every purchase, every day; plus unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
  • Intro purchase 0% APR offer: 0% for 15 months then 16.49% to 26.49% variable
  • Intro balance transfer 0% APR offer: 0% for 15 months then 16.49% to 26.49% variable

Intro Offer

Earn an extra 1.5% cash back on all eligible purchases, on up to $20,000, in the first year

Annual Fee

$0

Rewards Rate

5% on travel purchased through Chase Ultimate Rewards, 3% on dining and drugstore purchases, and 1.5% on all other purchases

Why We Like It

With no annual fee, the Chase Freedom Unlimited® card is a powerful rewards credit card. It has an easy-to-earn and potentially lucrative sign-up bonus for new cardholders.

When spending with this card, you can earn 5% on travel purchased through Chase Ultimate Rewards, 3% on dining and drugstore purchases, and 1.5% on all other purchases. You can earn 5% on Lyft rides as well.

It's a fantastic everyday use card - you'll earn at least 1.5% cash back whenever you shop.

Card Details
  • Earn an extra 1.5% cash back on all eligible purchases, on up to $20,000, in the first year
  • 5% on travel purchased through Chase Ultimate Rewards, 3% on dining and drugstore purchases, and 1.5% on all other purchases
  • Intro purchase 0% APR offer: 0% for 15 months then 17.24% to 25.99% (variable)
  • Intro balance transfer 0% APR offer: 0% for 15 months then 17.24% to 25.99% (variable)

Citi® Diamond Preferred® Card

Citi® Diamond Preferred® Card

Citi® Diamond Preferred® Card

Intro Offer

Long introductory APR period for balance transfers

Annual Fee

$0

Why We Like It

The Citi® Diamond Preferred® Card is a great option if you need to finance a large purchase or have existing credit card debt and would like to pay it down over time. 

Cardholders can enjoy a 0% intro purchase APR for 12 months from date of account opening and a 0% intro APR on balance transfers for 21 months from the date of first transfer. After that, the 15.99% to 25.99% (variable) APR will apply.

In addition to its introductory APR, this card also has no annual fee, making it a solid, inexpensive option.

Card Details
  • Long introductory APR period for balance transfers
  • Intro purchase 0% APR offer: 0% for 12 months then 15.99% to 25.99% (variable)
  • Intro balance transfer 0% APR offer: 0% for 21 months then 15.99% to 25.99% (variable)

Best Cash Back Cards

Intro Offer

$200 cash rewards bonus after spending $1,000 in the first 3 months

Annual Fee

$0

Rewards Rate

2% cash rewards on eligible purchases

Why We Like It

If you love earning cash rewards but prefer to avoid the hassle of tracking spending categories, the Wells Fargo Active Cash® Card could be a good option for you. Cardmembers earn unlimited 2% cash rewards on eligible purchases.

This card also offers a 0% intro APR on qualifying balance transfers and purchases for 15 months from account opening, then 17.99%, 22.99%, or 27.99% variable. Those looking for straightforward rewards and an introductory APR will likely find value in this card.

Card Details
  • 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 17.99%, 22.99%, or 27.99% 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

Annual Fee

$0

Why We Like It

The Bank of America® Customized Cash Rewards credit card is a fantastic card for anyone who loves earning cash back on everyday purchases.

Earn 3% cash back on the category of your choice — dining, drugstores, gas, home improvement/furnishings, online shopping, or travel; 2% cash back at grocery stores and wholesale clubs (on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter); and 1% cash back on all other purchases.

Cardholders also benefit from a long introductory APR on purchases and qualifying balance transfers.

Card Details
  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
  • Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.
  • If you're a Preferred Rewards member, you can earn 25%-75% more cash back on every purchase. That means you could earn 3.75%-5.25% cash back on purchases in your choice category.
  • No annual fee and no expiration on rewards.
  • New longer intro period! 0% Introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 16.24% - 26.24% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers.
  • Contactless Cards - The security of a chip card, with the convenience of a tap.
  • This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

Intro Offer

Earn a $200 cash back bonus after spending $500 in the first 3 months

Annual Fee

$0

Rewards Rate

1.5% cash back rewards on every purchase, every day; plus unlimited 5% cash back on hotels and rental cars booked through Capital One Travel

Why We Like It

If you want a rewards credit card and don’t want to worry about rotating spending categories, consider the Capital One Quicksilver Cash Rewards Credit Card. It’s a simple, easy-to-use card that offers a flat 1.5% cash back on every purchase you make, with no limit on how much you can earn.

The Capital One Quicksilver card also offers a competitive 0% introductory APR for 15 months on purchases and balance transfers, then a 16.49% to 26.49% variable APR. There is a  3% fee on balances transferred within the first 15 months.

The card also has a welcome bonus for new cardmembers, an unexpected perk for a card that has no annual fee.

Card Details
  • Earn a $200 cash back bonus after spending $500 in the first 3 months
  • 1.5% cash back rewards on every purchase, every day; plus unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
  • Intro purchase 0% APR offer: 0% for 15 months then 16.49% to 26.49% variable
  • Intro balance transfer 0% APR offer: 0% for 15 months then 16.49% to 26.49% variable

Intro Offer

Earn a $350 statement credit after spending $3,000 on purchases in the first 6 months

Annual Fee

$95

Rewards Rate

6% cash back at U.S. supermarkets (for first $6,000 per year, after that 1X) and on U.S. streaming services, 3% at U.S. gas stations and on eligible transit, and 1% on other purchases

Why We Like It

If you’re looking for a powerful rewards card, the Blue Cash Preferred® Card from American Express allows you to earn up to a whopping 6% cash back in select categories. 

You’ll earn 6% cash back at U.S. supermarkets (for first $6,000 per year, after that 1X) and on U.S. streaming services, 3% at U.S. gas stations and on eligible transit, and 1% on other purchases. Cash back is received in the form of statement credits.

The card does have a generous welcome offer and is a great card for large purchases and balance transfers.

Card Details
  • Earn a $350 statement credit after spending $3,000 on purchases in the first 6 months
  • 6% cash back at U.S. supermarkets (for first $6,000 per year, after that 1X) and on U.S. streaming services, 3% at U.S. gas stations and on eligible transit, and 1% on other purchases
  • Intro purchase 0% APR offer: 0% for 12 months then 16.99% to 27.99% (variable)
  • Intro balance transfer 0% APR offer: 0% for 12 months then 16.99% to 27.99% (variable)
  • Terms apply

Citi Custom Cash℠ Card

Citi Custom Cash℠ Card

Citi Custom Cash℠ Card

Intro Offer

Earn $200 cash back after spending $1500 on purchases in the first 6 months

Annual Fee

$0

Rewards Rate

5% cash back in your top eligible spending category each billing cycle (up to the first $500 spent, and then 1% cash back after that), plus unlimited 1% cash back on all other purchases

Why We Like It

The Citi Custom Cash℠ Card is a great option for those who want flexible cash rewards, with no annual fee, and the option to pay off existing credit card debt over time. Cardholders earn 5% cash back in their top eligible spend category each billing cycle (up to $500) and 1% cash back on everything else.

In addition to generous cash back, the Citi Custom Cash Card offers a 0% introductory APR on balance transfers and purchases for 15 months, then 16.24% to 26.24% (variable) APR after that.

Card Details
  • Earn $200 cash back after spending $1500 on purchases in the first 6 months
  • 5% cash back in your top eligible spending category each billing cycle (up to the first $500 spent, and then 1% cash back after that), plus unlimited 1% cash back on all other purchases
  • Intro purchase 0% APR offer: 0% for 15 months then 16.24% to 26.24% (variable)
  • Intro balance transfer 0% APR offer: 0% for 15 months then 16.24% to 26.24% (variable)

Intro Offer

Earn $200 cash back after spending $500 on purchases in the first 3 months

Annual Fee

$0

Rewards Rate

5% on rotating quarterly categories (on up to $1,500 spent) and travel purchased through the Chase Ultimate Rewards portal; 3% at restaurants (including takeout and delivery) and drugstores; and 1% on all other purchases

Why We Like It

With the Chase Freedom Flex℠, you can earn 5% on travel purchased through Chase Ultimate Rewards, 3% on dining and drugstore purchases, and 1% on all other purchases. You'll also be able to activate a different 5% bonus category each quarter. 

With no annual fee, the Chase Freedom Flex is a great option for both regular travel spending and everyday purchases. With the added earning potential of the rotating bonus category, the Flex could be a powerful tool for earning valuable Ultimate Rewards points.

The Chase Freedom Flex also provides purchase protection, extended warranty coverage, and cell phone protection.



Card Details
  • Earn $200 cash back after spending $500 on purchases in the first 3 months
  • 5% on rotating quarterly categories (on up to $1,500 spent) and travel purchased through the Chase Ultimate Rewards portal; 3% at restaurants (including takeout and delivery) and drugstores; and 1% on all other purchases
  • Intro purchase 0% APR offer: 0% for 15 months then 17.24% to 25.99% (variable)
  • Intro balance transfer 0% APR offer: 0% for 15 months then 17.24% to 25.99% (variable)

Annual Fee

$0

Why We Like It

Easy, unlimited cash back without categories or caps on how much you can earn.

Competitive, introductory 0% APR on purchases and qualifying balance transfers for 18 billing cycles (then 16.24% - 26.24% variable APR), with no annual fee.

Card Details
  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
  • Earn unlimited 1.5% cash back on all purchases.
  • If you're a Preferred Rewards member, you can earn 25%-75% more cash back on every purchase. That means you could earn 1.87%-2.62% cash back on every purchase with Preferred Rewards.
  • No annual fee.
  • No limit to the amount of cash back you can earn and cash rewards don’t expire.
  • New longer intro period! 0% Introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 16.24% - 26.24% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers.
  • Contactless Cards - The security of a chip card, with the convenience of a tap.
  • This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

Citi® Double Cash Card - 18 month BT offer

Citi® Double Cash Card - 18 month BT offer

Citi® Double Cash Card - 18 month BT offer

Intro Offer

Earn $200 cash back after spending $1,500 in the first 6 months (limited time offer)

Annual Fee

$0

Rewards Rate

up to 2% cash back on all purchases: 1% as you buy and 1% as you pay for those purchases

Why We Like It

The Citi® Double Cash Card lets you earn cash back twice. Earn up to 2% cash back on all purchases: 1% as you buy and 1% as you pay for those purchases. To earn cash back, just be sure to pay at least the minimum due on time.

In addition to unlimited cash back on all your purchases with no confusing categories, this card also offers 0% intro APR on balance transfers for 18 months, then 16.24% to 26.24% (variable), and no annual fee.

Card Details
  • Earn $200 cash back after spending $1,500 in the first 6 months (limited time offer)
  • up to 2% cash back on all purchases: 1% as you buy and 1% as you pay for those purchases
  • Intro balance transfer 0% APR offer: 0% for 18 months then 16.24% to 26.24% (variable)

Best Building Credit Cards

Intro Offer

Earn 5,000 points (worth $50 cash back) if you make at least one eligible purchase in the first 3 months after opening your account

Annual Fee

$0

Rewards Rate

1% cash back for each $1 spent

Why We Like It

Students looking to build credit, but not give up perks, should take a look at the Chase Freedom® Student credit card. 

Cardholders can enjoy $20 each year in Good Standing Rewards for up to 5 years when requirements are met, along with no annual fee, 

Earn 1% cash back on all purchases.

Card Details
  • Earn 5,000 points (worth $50 cash back) if you make at least one eligible purchase in the first 3 months after opening your account
  • 1% cash back for each $1 spent

Petal® 2 "Cash Back, No Fees" Visa® Credit Card

Petal® 2 "Cash Back, No Fees" Visa® Credit Card

Petal® 2 "Cash Back, No Fees" Visa® Credit Card

Intro Offer

Reports to all three major credit bureaus

Annual Fee

$0

Rewards Rate

Unlimited 1% cash back on purchases; after 6 on-time payments, earn 1.25% cash back; after 12 on-time payments, earn 1.5% cash back

Why We Like It

The Petal 2 Visa is a great option for anyone looking to build credit while earning rewards. Petal 2 is one of the only cards you can get without a credit history or an upfront deposit.

You can earn up to 1.5% cash back on purchases. Plus, there's no annual fees, late payment fees, or foreign transaction fees.

Card Details
  • Reports to all three major credit bureaus
  • Unlimited 1% cash back on purchases; after 6 on-time payments, earn 1.25% cash back; after 12 on-time payments, earn 1.5% cash back

Intro Offer

Earn $100 after spending $100 in the first 3 months (limited time offer)

Annual Fee

$0

Rewards Rate

8% cash back on Capital One Entertainment and Vivid Seats purchases; 5% on hotels and rental cars booked through Capital One Travel; 3% on dining, entertainment, streaming services, and grocery stores (excluding superstores such as Walmart® and Target®); and 1% on all other purchases

Why We Like It

The Capital One SavorOne Student Cash Rewards Credit Card is a decent option for students who want to earn cash back in popular spending categories. 

This card earns 3% unlimited cash back on dining, entertainment, popular streaming services, and at grocery stores (excluding superstores such as Walmart® and Target®). If you spend a lot at restaurants and bars, this card could be a smart addition to your wallet.

Cardmembers are also considered for automatic credit limit increases after 6 months. 

Card Details
  • Earn $100 after spending $100 in the first 3 months (limited time offer)
  • 8% cash back on Capital One Entertainment and Vivid Seats purchases; 5% on hotels and rental cars booked through Capital One Travel; 3% on dining, entertainment, streaming services, and grocery stores (excluding superstores such as Walmart® and Target®); and 1% on all other purchases

Intro Offer

Earn $100 after spending $100 in the first 3 months (limited time offer)

Annual Fee

$0

Rewards Rate

unlimited 1.5% cash back on every purchase, every day; plus unlimited 5% cash back on hotels and rental cars booked through Capital One Travel

Why We Like It

For students looking to earn cash back on their everyday purchases, the Capital One Quicksilver Student Cash Rewards Credit Card makes the grade. This card offers 1.5% cash back rewards on every purchase, every day. 

In addition to flat-rate, unlimited cash back, this no-annual-fee card also comes with other perks. Cardholders get automatic consideration for a higher credit line after 6 months, and students traveling abroad can benefit from no foreign transaction fees on their purchases.

Card Details
  • Earn $100 after spending $100 in the first 3 months (limited time offer)
  • unlimited 1.5% cash back on every purchase, every day; plus unlimited 5% cash back on hotels and rental cars booked through Capital One Travel

Best Business Cards

Intro Offer

Earn $750 bonus cash back after spending $7,500 in the first 3 months

Annual Fee

$0

Rewards Rate

5% cash back at office supply stores and on internet, cable, or phone services (up to $25,000 combined annually); 2% cash back at gas stations and restaurants (up to $25,000 combined annually); and 1% cash back on everything else

Why We Like It

If you’re a freelancer, independent contractor, or small business owner in need of a business credit card that offers valuable rewards, consider the Ink Business Cash® Credit Card. It has no annual fee, a valuable sign-up bonus for new cardmembers, and rewards for common business purchases.

You don’t even need an Employer Identification Number (EIN) to apply; sole proprietors and people who run side hustles can take advantage of this card’s benefits, too.

With the Ink Business Cash card, you’ll earn 5% cash back at office supply stores and internet, cable, or phone services (up to $25,000 combined annually). You’ll also earn 2% cash back at gas stations and restaurants (up to $25,000 combined annually).

Card Details
  • Earn $750 bonus cash back after spending $7,500 in the first 3 months
  • 5% cash back at office supply stores and on internet, cable, or phone services (up to $25,000 combined annually); 2% cash back at gas stations and restaurants (up to $25,000 combined annually); and 1% cash back on everything else
  • Intro purchase 0% APR offer: 0% for 12 months then 15.49% to 21.49% (variable)

U.S. Bank Business Triple Cash Rewards World Elite Mastercard®

U.S. Bank Business Triple Cash Rewards World Elite Mastercard®

U.S. Bank Business Triple Cash Rewards World Elite Mastercard®

Intro Offer

Earn $500 cash back after spending $4,500 on purchases in the first 150 days of opening your account

Annual Fee

$0

Rewards Rate

5% cash back on hotels and car rentals booked in the Travel Rewards Center; 3% cash back at gas stations and EV charging stations, office supply stores, cell phone service providers, and restaurants; and 1% cash back on all other purchases

Why We Like It

The U.S. Bank Business Triple Cash Rewards World Elite Mastercard® is a great card for your everyday business expenses such as gas, cellular phone service, and office supply store purchases. It could also come in handy if you find yourself at frequent business lunches.

This card has no annual fee and offers a long intro APR period on both purchases and balance transfers. 

Plus, you can give your employees their own card for no additional fee to maximize your cash back earnings.


Card Details
  • Limited Time Offer: Earn $500 in cash back. Just spend $4500 on the Account Owner's card in the first 150 days of opening your account.
  • Introducing the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® the card that gives back on all your eligible business needs.
  • Earn 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers and restaurants.
  • 1% cash back on all other eligible net purchases.
  • Earn 5% cash back on prepaid hotels and car rentals booked directly in the Travel Rewards Center.
  • No limit on total cash back earned.
  • Rewards never expire.
  • Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or quickbooks.
  • 0% Intro APR on purchases and balance transfers for 15 billing cycles. After that, a variable APR currently 15.49% to 24.49% (variable).
  • No annual fee.
  • Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay Plan.
  • Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
  • Terms and conditions apply

Intro Offer

Earn 15,000 Membership Rewards points after spending $3,000 on purchases in the first 3 months

Annual Fee

$0

Rewards Rate

2X Membership Rewards points on business purchases up to $50,000 each year, and 1X points on purchases after that

Why We Like It

The Blue Business® Plus Credit Card from American Express offers great rewards and earning incentives on business-related purchases with no annual fee.

Cardmembers can create employee cards, designate an account manager, and receive a complete year-end summary each year. 

Earn 2X Membership Rewards points on everyday business purchases up to $50,000 each year, and 1X points on purchases thereafter.

Card Details
  • Earn 15,000 Membership Rewards points after spending $3,000 on purchases in the first 3 months
  • 2X Membership Rewards points on business purchases up to $50,000 each year, and 1X points on purchases after that
  • Intro purchase 0% APR offer: 0% for 12 months then 16.24% to 24.24% (variable)
  • Terms apply

Intro Offer

Earn $750 bonus cash back after spending $7,500 in the first 3 months

Annual Fee

$0

Rewards Rate

1.5% cash back on all spending

Why We Like It

The Ink Business Unlimited® Credit Card is best for business owners who want a simple, easy-to-use rewards card. It has an easy-to-earn signup bonus, a flat rewards structure on all purchases, and an introductory APR offer on purchases that can help you save money. And, there’s no annual fee.

You’ll earn a flat 1.5% cash back on every purchase you make, with no limit on how much you can earn.

If you have a major purchase coming up for your business, you can take advantage of this card’s 0% introductory APR. You’ll get 0% APR on purchases for 12 months after account opening, giving you a full year to pay down your balance without paying interest charges.

Card Details
  • Earn $750 bonus cash back after spending $7,500 in the first 3 months
  • 1.5% cash back on all spending
  • Intro purchase 0% APR offer: 0% for 12 months then 15.49% to 21.49% (variable)

Intro Offer

Earn 100,000 points after spending $15,000 in the first 3 months

Annual Fee

$95

Rewards Rate

3X points on the first $150,000 spent each year on travel, shipping, internet, cable, or phone services, and advertising purchases with social media and search engines; and 1X points per $1 on everything else

Why We Like It

For business owners looking for a rewards card with premium benefits, the Ink Business Preferred® Credit Card is a standout option. It has a lucrative sign-up bonus, valuable rewards program, and flexible redemption options.

With this card, you’ll earn 3X Chase Ultimate Rewards points on the first $150,000 spent each year on travel, shipping, internet, cable, or phone services, and advertising purchases with social media and search engines.

It also has comprehensive travel benefits, including trip cancellation and interruption insurance, primary car rental insurance, and cell phone protection.

Card Details
  • Earn 100,000 points after spending $15,000 in the first 3 months
  • 3X points on the first $150,000 spent each year on travel, shipping, internet, cable, or phone services, and advertising purchases with social media and search engines; and 1X points per $1 on everything else

Intro Offer

Earn 120,000 Membership Rewards points after spending $15,000 on eligible purchases in the first 3 months

Annual Fee

$695

Rewards Rate

5X points on flights and prepaid hotels on Amextravel.com, 1.5X points on select business purchases and eligible purchases of $5,000 or more, and 1X points per $1 spent on other purchases

Why We Like It

The Business Platinum Card® from American Express is best for business owners looking for a rewards card with premium benefits. If you make major purchases throughout the year and travel often, the card can be very useful to you and your business.

New cardmembers can earn a lucrative welcome bonus and generous rewards. You’ll earn 5X points per $1 spent on flights and prepaid hotels booked through Amextravel.com. On all other spending, you’ll get 1X point per $1 spent. However, on large purchases — $5,000 or more — you receive 1.5X points per $1 spent, up to $2 million of these purchases per year.

You’ll get Centurion Lounge access at airports, as well as access to the American Express Global Lounge Collection, Delta Sky Club, and Priority Pass Select. Each year, you’ll get up to $200 in airline credits to reimburse you for fees paid to an airline of your choice.

Card Details
  • Earn 120,000 Membership Rewards points after spending $15,000 on eligible purchases in the first 3 months
  • 5X points on flights and prepaid hotels on Amextravel.com, 1.5X points on select business purchases and eligible purchases of $5,000 or more, and 1X points per $1 spent on other purchases
  • Terms apply

Intro Offer

Earn 140,000 bonus points after spending $3,000 on purchases in the first 3 months

Annual Fee

$99

Rewards Rate

26X points per $1 spent on stays at IHG hotels and resorts; 5X points on travel, gas stations, select business expenses, and restaurants, including takeout and delivery; and 3X points on other purchases

Why We Like It

The IHG® Rewards Premier Business Credit Card is best for travelers who stay at IHG-branded hotels, including Regent, Kimpton, Crowne Plaza, and Holiday Inn hotels. The card offers premium travel perks and free rewards nights, as well as a lucrative welcome bonus and high rewards on IHG hotel stays.

You’ll earn up to 26X points per $1 spent at IHG hotels and resorts when combined with existing IHG Rewards Club Member benefits. You’ll also earn 5X points per $1 spent on travel, gas stations, select business expenses, and restaurants, including takeout and delivery, then 3X points on all other purchases.

As an IHG Rewards Club Premier Business cardmember, you are automatically upgraded to Platinum Elite status. Platinum Elite benefits include no blackout dates for rewards nights, complimentary room upgrades, and a 50% bonus on base points.

Card Details
  • Earn 140,000 bonus points after spending $3,000 on purchases in the first 3 months
  • 26X points per $1 spent on stays at IHG hotels and resorts; 5X points on travel, gas stations, select business expenses, and restaurants, including takeout and delivery; and 3X points on other purchases