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.

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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 (through March 2022) 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 (through March 2022) 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 (through March 2022) 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 50,000 points after spending $4,000 on purchases in the first 3 months

Annual Fee

$550

Rewards Rate

10X points on Lyft rides, Chase Dining purchases, and hotels and cars booked through Ultimate Rewards; 5X points on air travel booked through Ultimate Rewards; 3X points on travel and dining, and 1X points per $1 spent on everything else

Why We Like It

The Chase Sapphire Reserve is a top-rated credit card for frequent travelers who can take advantage of its generous travel benefits and high point-earning potential. 

Card benefits include a $300 annual travel credit, primary rental car insurance, Priority Pass lounge access, reimbursement for TSA PreCheck or Global Entry, and more. 

With this card, you earn 10X points on Lyft rides, Chase Dining purchases, and hotels and cars booked through Ultimate Rewards; 5X points on air travel booked through Ultimate Rewards; 3X points on other travel and dining; and 1X points per $1 spent on everything else

Cardmembers receive 50% more value when redeeming rewards for travel through the Chase Ultimate Rewards portal. For example, 50,000 points are worth $750 toward travel.

Card Details
  • Earn 50,000 points after spending $4,000 on purchases in the first 3 months
  • 10X points on Lyft rides, Chase Dining purchases, and hotels and cars booked through Ultimate Rewards; 5X points on air travel booked through Ultimate Rewards; 3X points on travel and dining, and 1X points per $1 spent on everything else

Intro Offer

Earn 3 Free Nights (worth up to 50,000 points each) after spending $3,000 in the first 3 months, plus earn 10X points on up to $2,500 in combined spending at gas stations, restaurants, and grocery stores in the first 6 months

Annual Fee

$95

Rewards Rate

17X points at hotels participating in Marriott Bonvoy (when coupled with your complimentary Marriott Bonvoy membership and Silver Elite status) and 2X points per $1 spent on all other eligible purchases

Why We Like It

The Marriott Bonvoy Boundless is a good travel credit card for rewards card beginners. It offers a valuable sign-up bonus, higher rewards on Marriott Bonvoy hotel stays, and you can earn free night stays.

When you use the Marriott Bonvoy Boundless Visa Signature card, you’ll earn up to 17X points per $1 spent at participating Marriott Bonvoy hotels and 2X points per $1 spent on all other purchases. You can redeem your points for hotel stays at Marriott resorts, including Ritz-Carlton, JW Marriott, Gaylord Hotels, Le Meridien, Aloft, and Four Points hotels.

Every year after your account anniversary, you’ll enjoy a free night award at an eligible Marriott resort.

Card Details
  • Earn 3 Free Nights (worth up to 50,000 points each) after spending $3,000 in the first 3 months, plus earn 10X points on up to $2,500 in combined spending at gas stations, restaurants, and grocery stores in the first 6 months
  • 17X points at hotels participating in Marriott Bonvoy (when coupled with your complimentary Marriott Bonvoy membership and Silver Elite status) and 2X points per $1 spent on all other eligible purchases

Intro Offer

Earn 40,000 bonus points after you spend $1,000 in the first 3 months

Annual Fee

$69

Rewards Rate

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

Why We Like It

The Southwest Airlines Rapid Rewards Plus card is an excellent travel rewards card for travelers who prefer to fly on Southwest Airlines. It does have a sign-up bonus for new cardmembers, and cardmembers can earn bonus points after each cardmember anniversary.

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 40,000 bonus points after you spend $1,000 in the first 3 months
  • 2X points for Southwest purchases, local transit, commuting, rideshare, and internet, cable, phone services, and select streaming; plus 1X points on all other purchases

Intro Offer

Earn 40,000 bonus points after you spend $1,000 in the first 3 months

Annual Fee

$149

Rewards Rate

3X points for Southwest purchases; 2X on local transit, commuting, and rideshare, as well as internet, cable, phone services, and select streaming; and 1X points on all other purchases

Why We Like It

The Southwest Rapid Rewards Priority Card is best for frequent travelers who are devotees of Southwest Airlines. It has a generous sign-up bonus for new cardmembers, rewards on Southwest purchases, and extra travel perks and benefits.

As a cardmember, you'll earn 3X points per $1 spent on Southwest purchases; 2X on local transit, commuting, and rideshare, as well as internet, cable, phone services, and select streaming; plus, 1 point per $1 spent on all other purchases.

With the Southwest Rapid Rewards Priority Card, you’ll earn 7,500 points every year after your cardmember anniversary. These points you earn can help you qualify for a Southwest Companion Pass.

Card Details
  • Earn 40,000 bonus points after you spend $1,000 in the first 3 months
  • 3X points for Southwest purchases; 2X on local transit, commuting, and rideshare, as well as internet, cable, phone services, and select streaming; and 1X points on all other purchases

Intro Offer

Earn 60,000 bonus miles after spending $3,000 on purchases in the first 3 months

Annual Fee

$95 (waived first year)

Rewards Rate

2X miles on dining, hotel stays, and United purchases and 1X miles on everything else

Why We Like It

If you travel often and primarily fly on United, the United Explorer card can be a solid travel credit card. It has a generous signup bonus, extra rewards on United flights, and some useful travel benefits to make your next flight a more pleasant experience.

With this card, you’ll earn 2X miles per $1 spent on United purchases, restaurants and delivery services, and hotel stays. You’ll also get 1 mile per $1 spent on all other purchases.

Every year, you’ll get two one-time passes to United Club lounges around the country — a $100 value. On inflight purchases of food, beverages, or WiFi, you’ll get 25% back when you use your United Explorer card to complete the transaction. And, you’ll get a free standard checked bag for both you and a companion when you use your card to make your reservation.

Card Details
  • Earn 60,000 bonus miles after spending $3,000 on purchases in the first 3 months
  • 2X miles on dining, hotel stays, and United purchases and 1X miles on everything else

IHG Rewards Club Traveler Credit Card

IHG Rewards Club Traveler Credit Card

IHG Rewards Club Traveler Credit Card

Intro Offer

Earn 80,000 points after spending $2,000 in the first 3 months

Annual Fee

$0

Rewards Rate

Up to 15X points at IHG hotels (5X for being a Cardmember plus 10X for being an IHG Rewards Club member); 2X points at gas stations, grocery stores, and restaurants; and 1X on everything else

Why We Like It

The IHG Rewards Club Traveler Card is a great option for those who like to stay with IHG brands like Holiday Inn, Kimpton, and InterContinental.

Frequent travelers can take advantage of the fourth night free reward and up to 15X points at IHG hotels.

Plus, earn 2X points at gas stations, grocery stores, and restaurants and 1X on everything else.

Card Details
  • Earn 80,000 points after spending $2,000 in the first 3 months
  • Up to 15X points at IHG hotels (5X for being a Cardmember plus 10X for being an IHG Rewards Club member); 2X points at gas stations, grocery stores, and restaurants; and 1X on everything else

Intro Offer

Earn up to 60,000 points: 30,000 points after spending $3,000 on purchases within the first 3 months, plus an additional 30,000 points by earning 2 bonus points per $1 spent on purchases that earn 1 bonus point, up to $15,000 spent in the first 6 months

Annual Fee

$95

Rewards Rate

9X points per $1 spent at Hyatt hotels; 2X points per $1 spent on eligible travel, dining, and health purchases; and 1 point per $1 spent on everything else

Why We Like It

If you travel and stay at Hyatt a few times a year, the World of Hyatt credit card could be a good match for you. It has a generous sign-up bonus, a high rewards rate on Hyatt hotel stays, and you can earn free nights.

This card offers serious rewards. You’ll get 9X points per $1 spent on Hyatt purchases. You’ll earn 2X points per $1 spent on transportation, dining out, airline tickets purchases directly from airlines, and fitness club and gym memberships.

Free nights at Hyatt hotels start at just 5,000 points, so you can quickly earn enough points to get a free night.

In addition, you’ll get a free night at a Hyatt Category 1-4 resort each year you’re a World of Hyatt cardmember. If you spend at least $15,000 per year with your credit card, you’ll get another free night certificate.

Card Details
  • Earn up to 60,000 points: 30,000 points after spending $3,000 on purchases within the first 3 months, plus an additional 30,000 points by earning 2 bonus points per $1 spent on purchases that earn 1 bonus point, up to $15,000 spent in the first 6 months
  • 9X points per $1 spent at Hyatt hotels; 2X points per $1 spent on eligible travel, dining, and health purchases; and 1 point per $1 spent on everything else

Best Balance Transfer Cards

Citi Diamond Preferred

Citi Diamond Preferred

Citi Diamond Preferred

Intro Offer

Long 0% APR period on purchases and balance transfers

Annual Fee

$0

Why We Like It

The Citi Diamond Preferred 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 balance transfer offer for 21 months from the date of first transfer. After that, the standard 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 0% APR period on purchases and balance transfers
  • Intro purchase 0% offer: 0% for 12 months then 13.74% to 23.74% (variable)
  • Intro balance transfer 0% offer: 0% for 21 months then 13.74% to 23.74% (variable)

Citi Double Cash Card

Citi Double Cash Card

Citi Double Cash Card

Intro Offer

Earn cash back twice: 1% when you buy + 1% when you pay

Annual Fee

$0

Rewards Rate

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

Why We Like It

The Citi Double Cash Card lets you earn cash back twice. Earn 2% cash back on all purchases: 1% when you buy plus 1% when you pay. 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 a 0% introductory APR on balance transfers for 18 months and no annual fee.


Card Details
  • Earn cash back twice: 1% when you buy + 1% when you pay
  • up to 2% cash back on all purchases: 1% as you buy and 1% as you pay
  • Intro balance transfer 0% offer: 0% for 18 months then 13.99% to 23.99% (variable)

Best Cash Back Cards

Citi Double Cash Card

Citi Double Cash Card

Citi Double Cash Card

Intro Offer

Earn cash back twice: 1% when you buy + 1% when you pay

Annual Fee

$0

Rewards Rate

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

Why We Like It

The Citi Double Cash Card lets you earn cash back twice. Earn 2% cash back on all purchases: 1% when you buy plus 1% when you pay. 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 a 0% introductory APR on balance transfers for 18 months and no annual fee.


Card Details
  • Earn cash back twice: 1% when you buy + 1% when you pay
  • up to 2% cash back on all purchases: 1% as you buy and 1% as you pay
  • Intro balance transfer 0% offer: 0% for 18 months then 13.99% to 23.99% (variable)

Intro Offer

Earn an additional 1.5% cash back on all purchases (on up to $20,000 spent 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 signup 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. Through March 2022, you can earn 5% on Lyft 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 additional 1.5% cash back on all purchases (on up to $20,000 spent 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% offer: 0% for 15 months then 14.99% to 23.74% (variable)
  • Intro balance transfer 0% offer: 0% for 15 months then 14.99% to 23.74% (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% offer: 0% for 15 months then 14.99% to 23.74% (variable)
  • Intro balance transfer 0% offer: 0% for 15 months then 14.99% to 23.74% (variable)

Best Building Credit Cards

Citi Rewards+ Student Card

Citi Rewards+ Student Card

Citi Rewards+ Student Card

Intro Offer

For a limited time, earn 20,000 bonus points after $1,500 in purchases in the first 90 days

Annual Fee

$0

Rewards Rate

2X points at supermarkets and gas stations for first $6,000 in purchases each year, and 1X points on all other purchases

Why We Like It

The Citi Rewards+ Student Card is a great choice for students looking to build their credit while earning valuable rewards. Students can not only earn a sign-up bonus, but also 2X ThankYou Points at supermarkets and gas stations and 1X points on all other purchases.

This card is great for smaller purchases because points are rounded up to the nearest 10 points on every purchase. That $4 cup of coffee will earn 10 points. Plus, there's no annual fee. 

Card Details
  • For a limited time, earn 20,000 bonus points after $1,500 in purchases in the first 90 days
  • 2X points at supermarkets and gas stations for first $6,000 in purchases each year, and 1X points on all other purchases
  • Intro purchase 0% offer: 0% for 15 months then 13.49% to 23.49% (variable)
  • Intro balance transfer 0% offer: 0% for 15 months then 13.49% to 23.49% (variable)

Best Business Cards

Intro Offer

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

Annual Fee

$95

Rewards Rate

5X points on Lyft rides; 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 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 per $1 spent on travel, shipping purchases, internet, cable, and phone services, and advertising purchases made on social media sites and search engines — up to $150,000 in combined spending each year.

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
  • 5X points on Lyft rides; 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 $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 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 on internet, cable, and phone services — up to $25,000 spent combined each year. You’ll also earn 2% cash back at gas stations and restaurants, on up to $25,000 spent combined each year.

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% offer: 0% for 12 months then 13.24% to 19.24% (variable)

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 Chase Ink Business Unlimited 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% offer: 0% for 12 months then 13.24% to 19.24% (variable)