Best Credit Cards of 2022

These are our recommended credit cards for 2022. Which card you will qualify for is dependent upon your credit score. Not sure what your credit score is? Sign up for a Free CreditSoup account today and get access to your free credit score and top matched credit card options specifically for you. Checking your score has no impact to your credit.

Fair Credit

Fortiva® Mastercard® Credit Card

Credit Recommended:
Fair
Apply Now on Fortiva's secure website.
Credit Recommended:
Fair
Rewards Rate 1
Up to a 3% Cash Back Reward
Regular APR
29.99% OR 36% (V)
Credit Recommended
Fair
Apply Now on Fortiva's secure website.
Annual Fee
As low as $85
Card Brand
Mastercard®
Foreign Trans Fee
3% of each transaction amount in U.S. dollars

Highlights

  • With the Fortiva® Mastercard® Credit Card, you earn up to a 3% cash back reward
  • Make contactless payments through Mobile Wallet
  • Periodic Credit Increase Reviews
  • Free access to your Vantage 3.0 score from Equifax†
See additional details for Fortiva® Mastercard® Credit Card

† Your credit score will be available in your online account 60 days after your account is opened. (Registration required) The free VantageScore 3.0 credit score provided by Equifax is for educational purposes only and may not be used by The Bank of Missouri (the issuer of this card) or other creditors to make credit decisions.


Travel Rewards

Chase Sapphire Preferred® Card

Credit Recommended (660-850):
Good/Excellent
Apply Now
Chase Sapphire Preferred® Card
Editor’s Rating: 4.8
4.8
Apply Now on Chase secure website.
Credit Recommended (660-850):
Good/Excellent
Intro Rewards Bonus
60,000 bonus points
Rewards Rate 1
5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases
Foreign Trans Fee
$0
Apply Now on Chase secure website.
Annual Fee
$95
Regular APR
18.99% - 25.99% Variable
Credit Recommended
Good/Excellent

Highlights

  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
  • Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
  • With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
See additional details for Chase Sapphire Preferred® Card

Cash Back Rewards

Chase Freedom Unlimited®

Credit Recommended (660-850):
Good/Excellent
Apply Now
Chase Freedom Unlimited®
Editor’s Rating: 4.7
4.7
Apply Now on Chase secure website.
Credit Recommended (660-850):
Good/Excellent
Intro (Purchases)
0% Intro APR on Purchases 15 months
Intro Rewards Bonus
Up to $300 cash back
Annual Fee
$0
Apply Now on Chase secure website.
Intro (Transfers)
0% Intro APR on Balance Transfers 15 months
Regular APR
17.99% - 26.74% Variable
Credit Recommended
Good/Excellent

Highlights

  • INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
  • Enjoy 6.5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
  • After your first year or $20,000 spent, enjoy 5% cash back on Chase travel purchased through Ultimate Rewards®, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
  • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
  • Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 17.99% - 26.74%.
  • No annual fee - You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
  • Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
See additional details for Chase Freedom Unlimited®

Balance Transfer

Citi® Diamond Preferred® Card

Credit Recommended:
Excellent, Good
Apply Now on issuer’s secure website.
Credit Recommended:
Excellent, Good
Intro (Purchases)
0% 12 months on Purchases
Intro (Transfers)
0% 21 months on Balance Transfers
Annual Fee
$0
Apply Now on issuer’s secure website.
Regular APR
16.74% - 27.49% (Variable)
Cash Advance APR
28.99% (Variable)
Penalty APR
Up to 29.99% (Variable)

Highlights

  • 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. After that the variable APR will be 16.74% - 27.49%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
  • For a limited time earn a $150 Statement Credit after you spend $500 on purchases in the first 3 months of account opening.
  • There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
  • Get free access to your FICO® Score online.
  • With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
See additional details for Citi® Diamond Preferred® Card

Cash Back Rewards

Citi® Double Cash Card

Credit Recommended:
Excellent, Good
Apply Now on issuer’s secure website.
Credit Recommended:
Excellent, Good
Intro (Transfers)
0% Intro APR Period 18 months on Balance Transfers
Rewards Rate 1
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
Credit Recommended
Excellent, Good
Apply Now on issuer’s secure website.
Regular APR
17.74% - 27.74% (Variable)
Cash Advance APR
28.99% (Variable)
Foreign Trans Fee
3%

Highlights

  • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • To earn cash back, pay at least the minimum due on time.
  • Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 17.74% - 27.74%, based on your creditworthiness.
  • Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
  • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
  • There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
See additional details for Citi® Double Cash Card

No Annual Fee

Reflex® Platinum Mastercard®

Credit Recommended:
Fair/Poor/Bad/Limited
Apply Now on Celtic Bank secure website.
Credit Recommended:
Fair/Poor/Bad/Limited
Regular APR
24.99% - 29.99% (Variable)
Annual Fee
See Terms
Credit Recommended
Fair/Poor/Bad/Limited
Apply Now on Celtic Bank secure website.
Intro Rate
N/A
Intro Period
N/A
Balance Transfer
N/A

Highlights

  • Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
  • See if you’re Pre-Qualified with no impact to your credit score
  • All credit types welcome to apply
  • Free access to your Vantage 3.0 score from Experian* (When you sign up for e-statements)
  • Initial Credit Limit of $300 – $1,000* (subject to available credit)
  • Monthly reporting to the three major credit bureaus
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere Mastercard® is accepted
  • Checking Account Required
See additional details for Reflex® Platinum Mastercard®

Build Your Credit

PREMIER Bankcard® Mastercard® Credit Card

Credit Recommended:
Fair/Poor
Apply Now on PREMIER Bankcard® secure website.
Credit Recommended:
Fair/Poor
Checking Account Required
Yes
Reports to Consumer Reporting Agencies
Yes
Card Brand
Mastercard®
Apply Now on PREMIER Bankcard® secure website.
Credit Recommended
Fair/Poor

Highlights

  • Don’t let a low FICO score stop you from applying – we approve applications others may not.
  • You don’t need good credit to apply.
  • Just complete the short application and find out in 60 seconds if you’re approved.
  • When you need assistance our award-winning US-based Customer Service agents are there to help.
  • FICO scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any PREMIER Bankcard® product.
See additional details for PREMIER Bankcard® Mastercard® Credit Card

Poor Credit

First Digital Mastercard®

Credit Recommended:
See website for Details*
Apply Now on Synovus Bank secure website.
Credit Recommended:
See website for Details*
Regular APR
35.99%
Cash Advance APR
35.99%
Annual Fee
$75.00 for first year. After that, $48.00 annually.
Apply Now on Synovus Bank secure website.
Late Payment Fee
$40
Activation Fee
$95.00 (one-time fee)
Cash Advance Fee
Either $10, or 3% of the amount of the Cash Advance, whichever is greater.

Highlights

  • Get the security and convenience of a full-feature, unsecured MasterCard® Credit Card – accepted at millions of merchant and ATM locations worldwide and online.
  • Build up your credit history with a card that reports to all three major credit bureaus every month.
  • Perfect credit not required for approval; we may approve you when others won’t.
  • Easy and secure online application – It takes just moments to apply.
  • Issued by Synovus Bank, Member: FDIC
See additional details for First Digital Mastercard®

Student Card

Journey Student Rewards from Capital One

Credit Recommended:
Average, Fair, Limited
Apply Now on Capital One® secure website.
Credit Recommended:
Average, Fair, Limited
Rewards Rate 1
1% Cash Back on all purchases
Intro Rewards Bonus Value Description
N/A
Fraud Coverage
You're covered by $0 Fraud Liability if your card is ever lost or stolen
Apply Now on Capital One® secure website.
Annual Fee
$0
Balance Transfer Fee
$0 at this Transfer APR
Foreign Trans Fee
None

Highlights

  • Earn 1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that month
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • Enjoy no annual fee, foreign transaction fees, or hidden fees
  • Lock your card in the Capital One Mobile app if it's misplaced, lost or stolen
  • Earn up to $500 a year by referring friends and family when they're approved for a Capital One credit card
  • Pick the monthly due date that works best for you
  • Pay for Amazon.com purchases using your Capital One rewards
  • Pay for online purchases with virtual card numbers and keep your actual card number to yourself
  • Get notified via text, email, and phone if Capital One notices potential suspicious transactions on your account
  • Build your credit with responsible card use
See additional details for Journey Student Rewards from Capital One

Secured Cards

PREMIER Bankcard® Secured Credit Card

Credit Recommended:
Bad/Limited/No Credit
Apply Now on PREMIER Bankcard® secure website.
Credit Recommended:
Bad/Limited/No Credit
Regular APR
See Provider Website
Annual Fee
See Provider Website
Credit Line
See Provider Website
Apply Now on PREMIER Bankcard® secure website.
Credit Recommended
Bad/Limited/No Credit

Highlights

  • Our mobile app helps you keep track of your spending and payments for greater financial control.
  • When you need assistance our award-winning US-based Customer Service agents are there to help.
  • FICO scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any PREMIER Bankcard® product.
  • If approved, make your first six monthly minimum payments on time and we may send you an offer to apply for an unsecured credit card. Some restrictions apply. ‡
  • ‡ If you apply for the second account, which is unsecured, you will be approved if you can demonstrate the ability to pay your bills, meet our minimum income requirements, do not reside in New York or Wisconsin and are not covered under the Military Lending Act.
See additional details for PREMIER Bankcard® Secured Credit Card

Apply Now on Capital One® secure website.
Credit Recommended:
Limited, Bad
Regular APR
28.49% (Variable)
Balance Transfer Fee
$0 at this Transfer APR
Annual Fee
$0
Apply Now on Capital One® secure website.
Minimum Deposit
$200
Credit Recommended
Limited, Bad
Cash Advance APR
28.49% (Variable)

Highlights

  • No annual or hidden fees, and you can earn unlimited 1.5% cash back on every purchase, every day. See if you're approved in seconds
  • Put down a refundable $200 security deposit to get a $200 initial credit line
  • Building your credit? Using a card like this responsibly could help
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
  • Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • Monitor your credit score with CreditWise from Capital One. It's free for everyone
  • Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
Advertiser Disclosure

Best Credit Cards Of 2022

Thinking about applying for a credit card, but aren’t sure which one to choose? You came to the right place. Looking through all the credit card offers takes time, and you might miss out on a great opportunity if you try to do it without help. That’s why CreditSoup maintains a list with many of the best credit card offers.

Read these tips to guide your search for the top credit card of 2022.

Finding the Best Credit Card of 2022

As a responsible credit user, you know that you can’t apply for credit every few minutes. When you make a decision, it should be one you are glad to keep for at least a few years. That is why research into the credit card offers available is so important. No one wants to apply for the first card they see, only to realize it has high fees, fewer benefits or a lower spending limit than other cards. You do not even have to take a lot of time to look. CreditSoup does all the research and puts the best offers of the year right here.

Comparing the Best Credit Card Offers

Most credit cards have the same components, but the terms may differ wildly from one card to the next. The ideal time to compare these terms is before you apply. Look for the following factors:

  • Origination fees you’ll need to pay to get the card
  • Discounts on actions such as balance transfers when applying for the card
  • Introductory interest rates and periods
  • The cost of annual fees, if any
  • Interest rate and whether it is fixed or variable
  • Balance transfer rates and fees
  • Rewards programs and how they will likely work for you
  • Signup bonuses, if available, and the initial spending requirements involved

Credit cards can be a tool to help you manage cash flow and earn benefits for items you were going to buy anyway. The top credit card of 2022 will help keep your expenses down and offer the best rewards you can use.

Reasons to Keep Checking Back

If what you see does not seem like the perfect fit, there are plenty of reasons to keep an eye on this page. The market for credit cards is very competitive, especially for people with higher credit scores. Companies sometimes change their rewards programs and terms at times to entice new customers to sign up and react to competitive pressures. A lower introductory rate or a decrease in balance transfer fees might be just what you need.

The best credit cards of 2022 are listed right here at CreditSoup. Browse this page to find the credit card offer that is the best fit for your needs.


As featured on:
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Advertiser Disclosure

CreditSoup is an independent, advertising-supported comparison service. The offers that appear on this site are from companies from which CreditSoup receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). CreditSoup does not include all companies or all offers available in the marketplace. CreditSoup may use other proprietary factors to impact offer listings on the website such as consumer selection or the likelihood of the applicant’s credit approval.

Editor’s Rating

Our editors review each credit card and provide our ratings based on the features the credit card offers consumers including the fees, interest rates, benefits, rewards, and how it compares to other credit cards in its category. Card ratings may vary by category as the same card may receive a different rating based on that category.

CreditSoup.com may be compensated by companies mentioned on our site when a consumer’s application is accepted or approved by the company.