Best Rewards Credit Cards in 2022

With a variety of credit card rewards programs that change all the time, it's easy to miss best rewards cards and promo offers. Here we gathered top rewards cards with different rewards programs from our partners. Whether you look for cash back, miles rewards, or point rewards credit card, you will find an offer that fits your needs.

January 2022: BEST REWARDS PROGRAM

5
Card Overall Rating
Excellent/Good Credit
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
0% intro APR for 15 billing cycles on balance transfers posted within 45 days of account opening.
Ongoing APR
14.99%
Annual Fee
$495 ($195 for each Authorized User added to the account)
  • Patented black PVD metal card—weighing 22 grams.
  • 2% value for airfare redemptions with no blackout dates or seat restrictions.
  • 1.5% value for cash back redemptions.

More Rewards Credit Cards

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

This offer is not available in New York.

5
Card Overall Rating
Excellent/Good Credit
  • Earn 1.5% back in crypto on every single purchase.
  • No annual fee. No foreign transaction fees
  • Introductory offer: Earn 3.5% crypto rewards on all purchases in the first 90 days of card ownership, up to $100 in crypto.
  • Know if you’re approved without affecting your credit score. A soft credit pull happens before you’ve accepted the credit card offer. A hard credit pull occurs when you’ve accepted your credit card offer, which can have an impact on your credit score.
  • Earn 2% back in crypto on every purchase over $50,000 of annual spend. Rewards rate increases from 1.5% to 2% after $50,000 of spend has been achieved and resets on the card anniversary date every year.
  • On top of the rewards you get from BlockFi, your BlockFi Rewards Visa Signature card gives you instant access to once-in-a-lifetime travel, fine wine and food, sporting events, shopping and more.
  • Your BlockFi Rewards Visa Signature card comes with 24/7 access to your Visa Signature® Concierge* for assistance booking travel, transportation, accommodations, event tickets—even restaurant reservations and golf tee times.

This offer is not available in New York.

Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
11.74 - 21.74%
Annual Fee
$0
5
Card Overall Rating
Excellent/Good Credit
  • Earn points every time you spend. Luxury Card enhances your purchasing power by providing you with one point for every one dollar you spend. Every purchase gets you closer to the rewards you want.
  • Patented brushed stainless steel front and carbon back—weighing 22 grams.
  • 2% value for airfare redemptions with no blackout dates or seat restrictions.
  • 1% value for cash back redemptions.
  • 24/7 Luxury Card Concierge®—Available by phone, email, and live mobile chat.
  • Exclusive Luxury Card Travel® benefits (e.g., amenities, room upgrades and complimentary food and beverages).
  • Members-only LUXURY MAGAZINE®.
  • Cell Phone Protection, Lyft credits, Postmates discounts, Fandango perks and more.
  • Annual fee: $195 ($95 for each Authorized User).
  • Earn one point for every one dollar spent.
  • Terms and conditions apply.
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
0% intro APR for 15 billing cycles on balance transfers posted within 45 days of account opening.
Ongoing APR
14.99%
Annual Fee
$195 ($95 for each Authorized User added to the account)
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
4
Card Overall Rating
Excellent/Good Credit
  • $300 cash back after the $3,000 min spend in the first 3 months of account opening1
  • 0.5% cash back on all purchases
  • 1% cash back on all purchases every month carbon zero is reached
  • Reward can be redeemed as cash or trees. Go carbon-neutral every month you plant 60 trees
  • A climate-change fighting tree planted with every swipe.
  • See terms & conditions
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
11.65% to 21.45%
Annual Fee
$60
5
Card Overall Rating
Excellent / Good Credit
  • Enjoy 0% Intro APR on Purchases for up to 15 months; a variable go-to APR applies after that.
  • Earn up to 5% cash back or up to 3x points on purchases.
  • Earn up to 60,000 bonus miles/points as a sign-up bonus.
Intro APR on Purchases
0% (up to 15 months)
Intro APR on Balance Transfers
0% (up to 18 months)
Ongoing APR
See Terms
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
Revvi Card Application
Compare

This offer is not available in New York and Wisconsin.

4
Card Overall Rating
See website for Details
  • Earn 1% Cash Back Rewards^^ on payments made to your Revvi Credit Card
  • Jump on board with Revvi! Perfect credit not required
  • Fast and easy application; response provided in seconds
  • You asked, we listened – get the Revvi mobile app now
  • Reports monthly to all three major credit bureaus
  • $300 credit limit (subject to available credit)
  • Checking account required
  • *See rates, fees, costs & limitations and Revvi Rewards terms & conditions for details^^

This offer is not available in New York and Wisconsin.

Intro APR on Purchases
See website for Details^
Intro APR on Balance Transfers
See website for Details^
Ongoing APR
34.99%^
Annual Fee
$75 1st year, $48 after^
5
Card Overall Rating
  • Extra is the first debit card that builds credit and earns rewards points just like a credit card.
  • Earn up to 1% in points for everyday purchases like rideshares, coffees and your phone bills.
  • Extra is compatible with over 10,000+ banks across the United States—keep your money where you want, while spending smarter with Extra.
  • No Credit Checks.
  • No Deposit Required.
  • No interest charges or surprises.
Card Type
Prepaid
Activation Fee
$0
Maintenance Fee
Starting at just $7/month
Overdraft Available
Yes
5
Card Overall Rating
Excellent/Good/Limited/No Credit
  • No fees whatsoever. No late fee, foreign transaction fee, annual fee, or any-other-kind-of-fee, fee.
  • Up to 1.5% cash back on eligible purchases after making 12 on-time monthly payments.
  • 1% cash back on eligible purchases right away
  • 2% - 10% cash back at select merchants
  • $300 - $10,000 credit limits
  • Variable APRs range from 12.99% - 26.99%
  • No credit score? No problem. If eligible, we'll create your Cash Score instead.
  • See if you're pre-approved within minutes without impacting your credit score.
  • Build credit alongside hundreds of thousands of Petal Card members.
  • Petal reports to all 3 major credit bureaus.
  • No deposits required
  • Card issued by WebBank, Member FDIC
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
12.99% - 26.99% Variable
Annual Fee
$0
5
Card Overall Rating
Excellent/Good Credit
  • New Card Holder Offer - up to $100 credit applied to your Verizon wireless bill over the first 24 months when you use the card to pay your wireless bill.
  • Up to $10 per month off each eligible account or line, up to 10 lines max on select plans, when you enroll in Verizon Auto Pay with the Verizon Visa Card for the first-time.
  • You can earn rewards in the form of Verizon Dollars:
  • 4% on grocery store & gas purchases.
  • 3% on dining purchases, including takeout.
  • 2% on Verizon purchases (including monthly wireless bill).
  • 1% on all other purchases everywhere Visa Credit Cards are accepted.
  • Card holders can use Verizon Dollars at our store - but they don’t have to. They can use them on travel, or to get gift cards from their favorite brands. They can even put them toward their wireless bill.
  • No annual or foreign transaction fees.178
  • To learn more see www.verizon.com/verizonvisacard for details.
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
18.74% - 25.74% (variable, dependent on card type) Rates are accurate as of February 1, 2021
Annual Fee
$0178

This offer is not available in Colorado, Illinois, Massachusetts, West Virginia, Wisconsin.

4
Card Overall Rating
  • Initial refundable deposit of $300 becomes your credit limit
  • 1% Cash back Rewards on every purchase
  • Free access to your Vantage 3.0 score from Experian* (When you sign up for e-statements)
  • 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
  • Mastercard Zero Fraud Liability Protection (subject to Mastercard guidelines)
  • Checking Account Required

This offer is not available in Colorado, Illinois, Massachusetts, West Virginia, Wisconsin.

Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
19.99%
Annual Fee
$69
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
Aspiration Application
Compare
5
Card Overall Rating
  • Earn $150 when you spend $1000 in the first 60 days of account opening
  • Choose your own monthly fee, even if it’s zero
  • Enable Plant Your Change and plant a tree with every purchase round-up (Optional)
  • Get paid two days early
  • Shop with a conscience with your Personal Sustainability Score
  • Access 55,000+ free ATMs worldwide
  • Get 3-5% cash back on purchases at Conscience Coalition partners [including TOMs, Warby Parker, Blue Apron, Cariuma, and more]
  • Up to 3.00% APY interest on savings balance1
Card Type
Prepaid
Activation Fee
$10
Maintenance Fee
See terms
Overdraft Available
No
5
Card Overall Rating
Excellent/Good Credit
  • Patented black PVD metal card—weighing 22 grams.
  • 2% value for airfare redemptions with no blackout dates or seat restrictions.
  • 1.5% value for cash back redemptions.
  • 24/7 Luxury Card Concierge®—available by phone, email and live mobile chat.
  • Exclusive Luxury Card Travel® benefits (e.g., amenities, room upgrades and complimentary food and beverages).
  • Up to $100 annual airline credit and $100 Global Entry and TSA Pre-Check application fee credit.
  • Cell Phone Protection, Lyft credits, Postmates discounts, Fandango perks and more.
  • Annual fee: $495 ($195 for each Authorized User).
  • Earn one point for every one dollar spent.
  • Terms and conditions apply.
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
0% intro APR for 15 billing cycles on balance transfers posted within 45 days of account opening.
Ongoing APR
14.99%
Annual Fee
$495 ($195 for each Authorized User added to the account)

This offer is not available in District Of Columbia, Iowa, Washington, West Virginia, Wisconsin.

5
Card Overall Rating
Excellent, Good, Fair, Average Credit
  • Unlimited cash back on payments - 3% on Home, Auto and Health categories and 1% on everything else
  • $0 fees - $0 annual fee, $0 activation fees, $0 maintenance fees
  • Combine the flexibility of a card with the low cost and predictability of a loan
  • No touch payments with contactless technology built in
  • See if you qualify in minutes without hurting your credit score
  • Access to a virtual card while you wait for your card to arrive in the mail
  • Great for large purchases with predictable payments you can budget for
  • Mobile app to access your account anytime, anywhere
  • Enjoy peace of mind with $0 Fraud liability

This offer is not available in District Of Columbia, Iowa, Washington, West Virginia, Wisconsin.

Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
8.99% - 29.99%
Annual Fee
$0

This offer is not available in District Of Columbia, Iowa, Washington, West Virginia, Wisconsin.

5
Card Overall Rating
Excellent, Good, Fair, Average Credit
  • Earn 1.5% unlimited cash back on card purchases every time you make a payment
  • Combine the flexibility of a card with the low cost and predictability of a loan
  • $0 fees - $0 annual fee, $0 activation fees, $0 maintenance fees
  • No touch payments with contactless technology built in
  • See if you qualify in minutes without hurting your credit score
  • Access to a virtual card while you wait for your card to arrive in the mail
  • Great for large purchases with predictable payments you can budget for
  • Mobile app to access your account anytime, anywhere
  • Enjoy peace of mind with $0 Fraud liability

This offer is not available in District Of Columbia, Iowa, Washington, West Virginia, Wisconsin.

Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
8.99%-29.99%
Annual Fee
$0
5
Card Overall Rating
Fair/Bad/Limited/No Credit
  • $0 Annual Fee
  • $300 - $5,000 credit limits
  • Earn a credit limit increase in as little as 6 months. Terms and conditions apply.
  • No credit score? No problem. If eligible, we'll create your Cash Score instead.
  • 2% - 10% cash back at select merchants
  • Variable APRs range from 19.99% - 29.49%
  • See if you're pre-approved within minutes without impacting your credit score.
  • No annual or foreign transaction fees.
  • Build credit alongside hundreds of thousands of Petal Card members.
  • Petal's mobile app makes it easy to manage your money, track your spending, and automate payments.
  • Petal reports to all 3 major credit bureaus
  • No deposits required
  • Card issued by WebBank, Member FDIC
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
19.99% - 29.49% Variable
Annual Fee
$0
3
Card Overall Rating
  • Excellent Credit Required - Applicants that do not have excellent credit will not be approved.
  • Low 10.25% variable standard purchase APR and platinum benefits.
  • No Annual Fee.
  • No balance transfer fee for balances transferred in response to this online offer.
  • Travel Rewards - cardholders who enroll in the program receive 1.25 points per net dollar spent.
  • Choose any U.S. based airline or ticket class. No blackout dates or seating restrictions.
  • Other travel related options are hotels, cruises, vacation packages, car rental, and restaurants.
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
10.25% (variable)
Annual Fee
NONE

Getting Credit Cards With Rewards

If you are new to the world of rewards, all those points, miles, cash back and sign-up bonuses may sound like some trick issuers use to make you apply for their card. However, when you understand how all rewards programs work and how much you can save using a rewards credit card, you won't be that skeptical any more.

To get into the swing of rewards credit cards, start using a cash back credit card with fixed cash back rewards on purchases. Cash back rewards are plain and easy to comprehend: you simply get some percentage back form every purchase you make with the card. Standard cash back reward is 1% cash back. Earned cash back can be easily redeemed for cold cash or statement credits.

Points and miles rewards are pretty much the same: you get a number of points/miles per dollar spent on purchases. Standard reward is 1 mile or 1 point, and it is usually worth 1 penny when you translate it into cash, but it may vary depending on redemption conditions.

When you fill confident enough, you can try co-branded credit cards. They usually allow to earn points or miles rewards on purchases in specific categories like travel, gas, dining out, or entertainment. Co-branded cards are good for travelers, avid shoppers and to anyone who find themselves loyal to a store, airline or a hotel.

When you choose a rewards credit card, it always comes to your shopping habits, expenses, and needs. You won't need an airline credit card if you do not travel by plane, and you won't definitely need a gas rewards credit card if you do not have a car. So, think first, then calculate your potential rewards and then apply for a rewards credit card.

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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
A cashback card is a card that gives you cash back as rewards. Basically this means that a percentage of the amount spent on purchases is returned to you. This percentage may differ depending on the terms of a credit card issuer that produces your...
What is the best credit card for you depends on your travel habits and needs. You should consider several things before you apply for a travel credit card. Firstly, if you often fly with one airline, airline co-branded credit card may be a good...
There are a lot of cards that will give you rewards when you shop at retail stores. Usually retail stores try to offer you a co-branded card with a discount on this brand's purchases, some minor rewards or special financing. However, you pay for...
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