Best Credit Cards of 2022


Savvy consumers understand that it is important to reevaluate your credit card options regularly to make sure you are maximizing your benefits and minimizing interest payments. Whether you are in the market for a cash back, low APR, balance transfer or travel option our critics have you covered. We have highlighted all the important details you will need to make sure you find the right card for your needs. If you have good to excellent credit then any of these credit cards from our partners would be a fantastic option.

Wells Fargo Autograph℠ Card

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on Wells Fargo’s secure site
Recommended Credit Score
Excellent/Good
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Wells Fargo Autograph℠ Card

This brand new card checks all the important boxes which is why it has claimed the overall title of Critics’ Choice winner for 2022. It is an exciting addition to the $0 annual fee rewards card category that offers unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans. There are no caps to worry about and no rewards calendars to keep track of. Plus you will also earn 1X on all of your other purchases. For a limited time, new card members can also earn a massive 30,000-point welcome bonus after spending $1,500 in the first three months. This bonus has a $300 cash redemption value and it is the biggest welcome bonus we have seen on a card that does not charge an annual fee. This lucrative welcome offer expires 1/10/2023 so make sure to apply today. In addition to the cash redemption option you can also redeem your rewards for travel, gift cards, and more. There is also a generous intro APR on purchases and many other premium benefits.

Wells Fargo Active Cash® Card

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on Wells Fargo’s secure site
Recommended Credit Score
Excellent/Good
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Wells Fargo Active Cash® Card

This stellar card offers easy to understand, flat rate, cash rewards with an above-average rate of 2% on purchases. Your cash back earning potential is unlimited and not constrained by categories or caps like many other cards. There is also a sign-up bonus worth $200 in cash rewards that can be earned by spending at least $1,000 in the first three months after you are approved. This card also offers a 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 18.74%, 23.74%, or 28.74% variable APR. Another unique perk offered is cell phone protection. If you use your card to pay your cellular telephone bill you can get up to $600 of protection on your cell phone against covered damage or theft (subject to $25 deductible). You would think all of these amazing perks would come at a cost, but that’s not the case as there is a $0 annual fee.

Capital One SavorOne Cash Rewards Credit Card

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on Capital One’s secure site
Recommended Credit Score
Excellent, Good
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Capital One SavorOne Cash Rewards Credit Card

If you spend regularly on dining, entertainment, groceries and online streaming services, then the Capital One SavorOne Cash Rewards Credit Card would be a great addition to your wallet as cardholders earn unlimited 3% cash back in those categories. You will also earn 1% back on all of your other purchases. There is no annual fee and new cardmembers can also benefit from a 0% intro on purchases and balance transfers for 15 months, then 17.99% – 27.99% (Variable). There is a 3% balance transfer fee but that fee is likely worth it if you are paying interest each month on another card. You can also kick off your cash back earnings with a $200 welcome bonus that can be earned by spending $500 on purchases within the first 3 months. That is a much lower spending requirement than the other cards we have featured and it equates to 40% cash back on your first $500 in purchases.

Wells Fargo Reflect® Card

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on Wells Fargo’s secure site
Recommended Credit Score
Excellent/Good
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Wells Fargo Reflect® Card

This card from Wells Fargo is a top choice in both the Low APR and Balance Transfer categories. It offers a 0% intro APR for up to 21 months from account opening on purchases and qualifying balance transfers, then 16.74% – 28.74% variable APR. You will start with 18 months of 0% intro APR and can get an extension of up to 3 months with on-time minimum payments during the intro period. There is a 3% balance transfer fee for 120 days from account opening ($5 minimum). That fee then goes up to 5% after the 120 days so we suggest you make your transfer happen before the 120 days are up. If you are accruing interest charges each month on another card (or cards) the transfer fee is likely worth the expense especially if you plan to pay the balance off before the 0% intro period is over. 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 this card.

Discover it® Miles

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on Discover’s secure site
Recommended Credit Score
Excellent/Good
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Discover it® Miles

If you want to earn miles toward your next vacation and pay no annual fee to do so, then the Discover it® Miles card is a great option for you. You will earn an unlimited 1.5 miles for every dollar you spend. All the miles you earn in your first year will automatically be matched for what is likely to be a hefty bonus. For example, if you earn 35,000 miles your first year you will automatically get another 35,000 for a total of 70,000 miles (redeemable for $700). The redemption options are plentiful and very flexible as well. You can even redeem your miles for cash so if you are wavering between a travel and cash back card this may be just right for you. This well-rounded travel card even offers a 0% Intro APR on purchases and on balance transfers for 15 months, then 15.74% – 26.74% Variable APR.

If you have not applied for a new card recently then you are likely missing out on premium perks. With incredible welcome offers, long intro APR periods and lucrative ongoing rewards to choose from, it is easy to see why it is a great time to apply for a new card.


Editorial Note: Any opinions, analyses, reviews or recommendations expressed are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.
*CardCritics references a FICO® 8 score, which is one of many different types of credit scores. A financial institution may use a different score when evaluating your application.