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.

June 2022: BEST CREDIT CARD OFFER

4
Card Overall Rating
Fair / Poor Credit
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
See Issuer Website
Annual Fee
See Issuer Website
  • 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.

More Best Offers for Your Credit

4
Card Overall Rating
  • Earn unlimited 2% cash back when you use the card.
  • No rewards caps. No categories to manage.
  • No Annual Fee and No Foreign Exchange Fees.
  • Exclusive American Express merchant offers, travel and dining benefits, and premium protection benefits.
  • Apply now for details.
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
27.24%, 23.24%, or 15.74% variable
Annual Fee
$0

This offer is not available in New York and Wisconsin.

4
Card Overall Rating
Fair / Poor Credit
  • You don’t need good credit to apply.
  • We help people with bad credit, every day.
  • Just complete the short application and find out in 60 seconds if you’re approved.
  • You can build** or rebuild your credit: apply for a PREMIER Bankcard credit card, keep your balance low, and pay all your monthly bills on time.
  • Don’t let a low FICO score stop you from applying – we approve applications others may not.
  • 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.

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 Issuer Website
Annual Fee
See Issuer Website
5
Card Overall Rating
Excellent/Good Credit
  • Earn Cash Back for Everyday Purchases
  • No Caps. No Limits. No Gimmicks.
  • 2% Cash Back** on all purchases for PenFed Honors Advantage Membersƚƚ
  • 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. On transfers made from now until September 30, 2022. After that, the APR for the unpaid balance and any new balance transfers will be 17.99%. A 3% balance transfer fee applies to each transfer. This transaction is subject to credit approval. If you take advantage of this balance transfer, you will immediately be charged interest on all purchases made with your credit card unless you pay the entire account balance, including balance transfers, in full each month by the payment due date.
  • Annual Fee: $0
  • Purchase Variable APR: 15.99% to 17.99%
  • Refer to PenFed.org for Terms/Conditions
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
0% promotional balance transfer rate for 12 Months
Ongoing APR
15.99% to 17.99% Variable
Annual Fee
$0

This offer is not available in New York and Wisconsin.

4
Card Overall Rating
  • Total Visa active cardholders get exclusive access to free Credit Monitoring powered by TransUnion!
  • Checking Account Required
  • Fast and easy application process; response provided in seconds
  • A genuine Visa credit card accepted by merchants nationwide across the USA and online
  • Manageable monthly payments
  • $300 credit limit (subject to available credit)
  • Reports monthly to all three major credit bureaus

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
4
Card Overall Rating
Fair / Poor Credit
  • 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.
  • PREMIER Bankcard credit cards are made for people with less-than-perfect credit.
  • Everyone deserves a chance to build** credit: apply today!
  • 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.
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
See Issuer Website
Annual Fee
See Issuer Website

This offer is not available in New York and Wisconsin.

4
Card Overall Rating
See website for Details* Credit
  • 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.
  • Designed to help overcome credit issues; you may be approved even if you’ve been declined elsewhere.
  • You may be eligible for a Credit Line Increase after 12 months.
  • Easy and secure online application – It takes just 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
35.99%
Annual Fee
$75.00 for first year. After that, $48.00 annually.

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
5
Loan Overall Rating
  • See Your Rate In Minutes
  • Get Your Free Experian® Credit Report
  • Compare Low Interest Personal Loans Up To $50,000. Get An Online Quote In Minutes!
  • Get Matched To Personal Loan Offers Based On Your FICO® Score Even If You Have Bad Credit.
Checking Account Required
Yes
Maximum Loan Amount
$50,000
Minimum Loan Amount
$1,000
Employment Required
Yes
4
Card Overall Rating
  • No Monthly Fees.
  • Fee-free Overdraft up to $200 with SpotMe*
  • Grow your savings automatically
  • 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 and debit card provided by The Bancorp Bank or Stride Bank, N.A.; Members FDIC.
  • *Eligibility requirements and overdraft limits apply.
  • ^Early access to direct deposit funds depends on payer.
Card Type
Debit
Activation Fee
No
Maintenance Fee
No
Overdraft Available
Yes
4
Card Overall Rating
  • Users can get up to 1 in 100 odds of getting your purchase paid for by Yotta for free. Plus earn 10% tickets back on every purchase
  • FDIC insured
  • Earn 5% on extra bonus tickets for every paycheck
  • Get paid two days early when users set up direct deposit on account
Card Type
Prepaid
Activation Fee
No
Maintenance Fee
No
Overdraft Available
No

This offer is not available in New York and Wisconsin.

4
Card Overall Rating
Fair / Poor Credit
  • Everyone deserves a chance to build** credit: apply today!
  • PREMIER Bankcard credit cards are for building credit.
  • Start building credit by keeping your balance low and paying all your bills on time each month.
  • We'll provide you a manageable credit limit and manageable payments meant to help you stick to your budget.
  • 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.

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 Issuer Website
Annual Fee
See Issuer Website
5
Card Overall Rating
Excellent/Good Credit
  • Earn more everywhere you go!
  • 50,000 Bonus Points when you spend $3000 in the first 90 days
  • Up to $799 total Travel value
  • 4X Points** on all Travel categories for PenFed Honors Advantage Membersƚƚ
  • 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. On transfers made from now until September 30, 2022. After that, the APR for the unpaid balance and any new balance transfers will be 17.99%. A 3% balance transfer fee applies to each transfer. This transaction is subject to credit approval. If you take advantage of this balance transfer, you will immediately be charged interest on all purchases made with your credit card unless you pay the entire account balance, including balance transfers, in full each month by the payment due date.
  • Annual Fee: $95 (waived for existing PenFed Honors Advantage Membersƚƚ)***
  • Purchase Variable APR: 15.99% to 17.99%
  • Refer to PenFed.org for Terms/Conditions
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
0% promotional balance transfer rate for 12 Months
Ongoing APR
15.99% to 17.99% Variable
Annual Fee
$95

This offer is not available in AR, CT, GA, NH, NJ, NY, OR, VT, WA, WV.

5
Loan Overall Rating
All Credit Considered
  • Personal Loans from $100 - $40,000
  • Request a loan in under 2 minutes!
  • All Credit Considered
  • Get funds as soon as the next business day

This offer is not available in AR, CT, GA, NH, NJ, NY, OR, VT, WA, WV.

Checking Account Required
Yes
Maximum Loan Amount
$40,000
Minimum Loan Amount
$100
Employment Required
Yes
Surge Mastercard® Application
Compare now (14) »
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*
5
Card Overall Rating
Excellent/Good Credit
  • Get Rewarded on Everyday Purchases
  • 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
  • 15,000 Bonus Points when you spend $1,500 in first 90 days
  • 0% Balance Transfers Promo APR for 12 months, 3% fee applies to each transaction. Subject to credit approval. On transfers made from now until September 30, 2022. After that, the APR for the unpaid balance and any new balance transfers will be 17.99%. A 3% balance transfer fee applies to each transfer. This transaction is subject to credit approval. If you take advantage of this balance transfer, you will immediately be charged interest on all purchases made with your credit card unless you pay the entire account balance, including balance transfers, in full each month by the payment due date.
  • Annual Fee: $0
  • Purchase Variable APR: 14.49% to 17.99%
  • Refer to PenFed.org for Terms/Conditions
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
0% promotional balance transfer rate for 12 Months
Ongoing APR
14.49% to 17.99% Variable
Annual Fee
$0

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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