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. 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. 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 17.24%, 22.24%, or 27.24% 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.

Bank of America® Customized Cash Rewards credit card

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on Bank of America®’s secure site
Recommended Credit Score
Excellent/Good
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Bank of America® Customized Cash Rewards credit card

You will be hard-pressed to find another card without an annual fee that offers better flexibility in the cash back department than the Bank of America® Customized Cash Rewards credit card. You get to decide which category you’ll earn 3% back in each month while also earning 2% back at grocery stores and wholesale clubs. The bonus cash back earned in these combined categories (your choice, grocery and wholesale clubs) is capped at $2,500 in purchases each quarter. You’ll earn 1% after that cap is hit and on all of your other purchases. To sweeten the deal, you’ll also earn a $200 online cash back rewards bonus after you make at least $1,000 in purchases on your card within the first 90 days of your account opening. That’s an additional 20% back on your first $1,000 spent! You’ll also be able to save money with a 0% Intro APR for 15 billing cycles for purchases and balance transfers made within the first 60 days. After the intro APR offer ends a 16.24% – 26.24% Variable APR will apply.

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 15.24% – 27.24% 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 and extension periods. 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.

BankAmericard® credit card

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on Bank of America®’s secure site
Recommended Credit Score
Excellent/Good
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BankAmericard® credit card

This low APR card is unlike any other we have seen as it offers a $100 statement credit to those who make at least $1,000 in purchases in the first 90 days of account opening. This type of bonus is usually reserved for rewards credit cards so it is a fantastic perk for a card like this that is primarily for those looking for a long intro APR. If you plan to make some significant purchases and want to avoid interest payments while you work to pay off your balance or you are looking to transfer a balance from another high-APR credit card, then this card is difficult to beat. The BankAmericard® credit card offers 0% Intro APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends a 15.24% – 25.24% Variable APR will apply. There is a 3% balance transfer fee ($10 minimum). You’ll also have access to your FICO score and paying late won’t automatically increase your APR.

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 13.49% – 24.49% 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.