Best Credit Card Offers of 2022

Getting the best credit card is not an easy task because not all best credit cards will be best for you. You should know what you need a credit card for to be able to find an ideal credit card for you. There are tens of thousands of credit cards out there. Some of them are tailored to those who want to build their credit, other cards offer low or 0% intro APRs on purchases and balance transfers. Credit cards with cash back, point rewards, miles rewards - there are all possible rewards credit cards to choose from if you are after rewards. Below you will find some of the best credit card offers out there.

January 2022: BEST CREDIT CARD OFFER

4
Card Overall Rating
Fair / Bad Credit
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
See Issuer Website
Annual Fee
See Issuer Website
  • PREMIER Bankcard credit cards are for building credit.**
  • We'll provide you a manageable credit limit and manageable payments meant to help you stick to your budget.
  • We report to the major consumer reporting agencies every month, so you get credit for managing your account.
  • 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.

More Best Offers for Your Credit

4
Card Overall Rating
Fair / Bad Credit
  • PREMIER Bankcard credit cards are for building credit.**
  • We'll provide you a manageable credit limit and manageable payments meant to help you stick to your budget.
  • We report to the major consumer reporting agencies every month, so you get credit for managing your account.
  • 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.
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
See Issuer Website
Annual Fee
See Issuer Website
4
Card Overall Rating
Fair / Bad Credit
  • PREMIER Bankcard credit cards are for building credit.**
  • We'll provide you a manageable credit limit and manageable payments meant to help you stick to your budget.
  • We report to the major consumer reporting agencies every month, so you get credit for managing your account.
  • 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.
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
See Issuer Website
Annual Fee
See Issuer Website
5
Loan Overall Rating
  • Our process is safe, secure, fast and reliable.
  • No waiting in lines or going to a physical store.
  • Request your loan straight from your mobile phone, or computer.
  • You may be approved in minutes, and your cash will be deposited straight into your bank account.
Checking Account Required
Yes
Maximum Loan Amount
$2,500
Minimum Loan Amount
$100
Employment Required
Yes
4
Card Overall Rating
  • No Monthly Fees
  • Fee-free Overdraft up to $200 with SpotMe*
  • Grow your savings automatically with our Savings Account
  • Set up Direct Deposit and receive your paycheck up to 2 days earlier than some of your co-workers!
  • Chime is a financial technology company, not a bank. Banking services provided by, and debit card issued by, The Bancorp Bank or Stride Bank, N.A.; Members FDIC.
Card Type
Prepaid
Activation Fee
No
Maintenance Fee
No
Overdraft Available
Yes
5
Card Overall Rating
Excellent/Good Credit
  • 2% Cash Back on all purchases for PenFed Honors Advantage Members.
  • 1.5% Cash Back on all purchases made with your card.
  • $100 Bonus Offer Statement Credit. When you spend $1,500 in the first 90 days.
  • 0% Balance Transfers Promo APR for 12 months, 3% fee applies to each transaction. Subject to credit approval.
  • Annual Fee: $0
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
0% promotional balance transfer rate for 12 Months
Ongoing APR
14.99% to 17.99%
Annual Fee
$0

This offer is not available in New York and Wisconsin.

4
Card Overall Rating
Fair/Limited Credit
  • Get the security and convenience of a full-feature, unsecured Mastercard® Credit Card – accepted at millions of merchant and ATM locations nationwide and online.
  • Build up your Credit 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.
  • You may be eligible for a Credit Line Increase after six months.
  • Easy and secure online application – it just takes moments to apply.
  • Checking account required.
  • If approved, just pay the one-time Program Fee to gain access to your new account and credit line (subject to available credit).
  • Receive your card more quickly with optional Expedited Processing (additional fee applies).
  • Get a result in as little as 60 seconds upon completion of the online application.
  • Online Customer Center available 24 x 7.
  • Issued by Synovus Bank, Member: FDIC.

This offer is not available in New York and Wisconsin.

Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
See Terms*
Annual Fee
See Terms*
5
Card Overall Rating
Excellent/Good Credit
  • 50,000 Bonus Points when you spend $3,000 in the first 90 days.
  • 4x Points on all Travel categories for PenFed Honors Advantage Members, 3X Points on all Travel categories.
  • 1.5x Points on all other purchases.
  • 0% Balance Transfers Promo APR for 12 months, 3% fee applies to each transaction. Subject to credit approval.
  • $100 ANNUAL domestic air ancillary travel statement credit.
  • $100 Global Entry or $85 TSA Pre-check statement credit.
  • Complimentary Priority Pass Airport Lounge Annual Membership.
  • Annual Fee: $95.
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
0% promotional balance transfer rate for 12 Months
Ongoing APR
14.99% to 17.99%
Annual Fee
$95
Surge Mastercard® Application
Compare now (15) »
4
Card Overall Rating
See website for Details*
  • Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
  • 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
  • See if you’re Pre-Qualified without impacting your credit score
  • Fast and easy application process; results in seconds
  • Free online account access 24/7
  • Checking Account Required
Intro APR on Purchases
See website for Details*
Intro APR on Balance Transfers
See website for Details*
Ongoing APR
24.99% - 29.99% (Variable)
Annual Fee
See website for Details*

This offer is not available in Connecticut, New Hampshire, Vermont, Washington.

5
Loan Overall Rating
All Credit Considered
  • Loan decisions in 2 minutes.
  • All credit types considered.
  • Large lender marketplace.
  • See if you qualify today.
  • Not available to residents of CT, NH, WA, and VT.

This offer is not available in Connecticut, New Hampshire, Vermont, Washington.

Checking Account Required
Yes
Maximum Loan Amount
$40,000
Minimum Loan Amount
$100
Employment Required
Yes

This offer is not available in MA, MD, ME, ND, NV, WV.

4
Card Overall Rating
  • See if you qualify instantly without harming your credit score.
  • Get a higher credit line if you're in good standing after making your first 6 payments on time.
  • Free, online credit score access for cardholders.
  • Instant decision on your application.
  • No interest on purchases when you pay in full and on time each month.
  • No security deposit required – get started today!
  • Enjoy coverage from Visa®.
  • Access your account anytime, anywhere with our mobile app.

This offer is not available in MA, MD, ME, ND, NV, WV.

Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
26.99% - 29.99% (Variable)
Annual Fee
$0-$59
4
Card Overall Rating
  • Earn 5% cash back rewards on the first $5,000 of eligible gas, grocery, internet, cable, satellite TV, and mobile phone service purchases each year, and then 1% thereafter. Plus 1% cash back rewards on all other purchases, terms apply
  • With $0 Fraud Liability, you won’t be responsible for unauthorized charges
  • View your free online access to your Experian credit score, terms apply
  • Automatically earn More Cash Back Rewards for using your Credit One Bank card at participating merchants, terms apply
  • If you are a Covered Borrower under the Military Lending Act, you may get a different offer
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
23.99% Variable
Annual Fee
$95
5
Card Overall Rating
Excellent/Good Credit
  • LOW APR on all purchases.
  • $100 Bonus Statement Credit when you spend $1,500 in the first 90 days.
  • Purchase Variable APR: 7.49% to 17.99%
  • 0% promotional balance transfer rate for 12 Months on transfers made from now until March 31, 2022. After that, the APR for the unpaid balance and any new balance transfers will be be a non-variable rate of 17.99%.
  • Annual Fee: $0
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
0% promotional balance transfer rate for 12 Months
Ongoing APR
7.49% to 17.99%
Annual Fee
$0
5
Card Overall Rating
Excellent/Good Credit
  • 15,000 Bonus Points when you spend $1,500 in first 90 days.
  • 5x Points on gas paid at the pump and EV charging stations.
  • 3x Points at the supermarket (including most Target and Walmart locations), restaurants and TV, radio, cable, streaming services.
  • 1x Points on all other purchases.
  • 0% Balance Transfers Promo APR for 12 months, 3% fee applies to each transaction. Subject to credit approval.
  • Annual Fee: $0
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
0% promotional balance transfer rate for 12 Months
Ongoing APR
13.49% to 17.99%
Annual Fee
$0
4
Card Overall Rating
Bad/Fair/Good Credit
  • Earn 1% cash back rewards on eligible gas, grocery purchases and mobile phone service, internet, cable and satellite TV services, terms apply
  • With $0 Fraud Liability, you won’t be responsible for unauthorized charges
  • Automatic reviews for credit line increase opportunities
  • View your Experian credit score online for free, terms apply
  • Choose your monthly payment due date for added convenience, terms apply
  • Never miss an account update with customizable text and email alerts
  • Manage your account on-the-go with the Credit One Bank mobile app
  • Show off your personality by selecting from a variety of card designs, a fee may apply
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
23.99% Variable
Annual Fee
$39

This offer is not available in Connecticut, New Hampshire, Vermont, Washington.

5
Loan Overall Rating
  • Borrow From $100 to $40,000
  • Fast Decision - Within 2 Minutes
  • All Credit Types Welcome

This offer is not available in Connecticut, New Hampshire, Vermont, Washington.

Checking Account Required
Yes
Maximum Loan Amount
$40,000
Minimum Loan Amount
$100
Employment Required
Yes

This offer is not available in Connecticut, New Hampshire, Vermont, Washington.

5
Loan Overall Rating
All Credit Considered
  • Request a loan in under 2 minutes!
  • This service is free and will NOT affect your credit score
  • Money can be deposited as soon as the next business day

This offer is not available in Connecticut, New Hampshire, Vermont, Washington.

Checking Account Required
Yes
Maximum Loan Amount
$40,000
Minimum Loan Amount
$100
Employment Required
Yes

Planning Your Financial Path with a Credit Card

You put a lot of time and effort into applying for the best credit card offer that suits your financial needs and lifestyle. Now that you have it you can enjoy the convenience and advantages of having a credit card, including making online purchases, not having to carry cash, and benefiting from the perks of rewards programs. But on the flip side, a credit card also comes with a lot of responsibility.

Careless credit card use can quickly lead to serious debt or identity theft. Moreover, most people fail to realize that credit card payments and level of debt have the most negative impact on your credit rating. Maxing out your credit card or ignoring your monthly bills now can have serious consequences in the future. A low credit score can hinder your ability to get a loan for a house or car, cause you to have to pay security deposits on utilities, make getting approved for an apartment or loan difficult, and depending on what industry you are in, even result in your denial for employment.

So before you go out and splurge on a wild weekend or start developing bad bill payment habits, our team of personal finance experts has some tips on the best ways to maintain your credit card after you get it.

  • Think of your credit card as 27 day cycle loan
  • Know what you owe
  • Pay your bill on time
  • Pay your bill in full
  • Use your credit card for emergencies only

GET YOUR OFFER MATCH
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This tool finds credit offers that suit your situation best. However, only lenders and issuers decide whether you'll be approved or not for an offer.

Not Sure Which Card to Choose?

Ask Our Experts or Read Credit Card FAQs
There are a lot of good credit card offers but what is the best credit card for you depends on your credit score and your preferences. First of all, know your credit score to find the right credit cards to choose from and to qualify for a credit...
With so many credit card issuers, there is quite a lot of competition between credit card companies to get customers, especially those with decent and good credit ratings. Millions of new credit card accounts are approved by all the credit companies...
Firstly, you should understand what are your main expenses to choose the best rewards credit card for you. There are different types of rewards cards: Cash back credit cards. Some cash back credit cards offer fixed cash back rate, for example, 1%...
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