If you’re considering a new credit card in 2022, you’ve come to the right place. We’ve taken the time to review and assess over 100 credit cards in an effort to provide you with a list of the best credit cards for 2022. Please see below for our list of the best credit cards currently available in the United States, broken out into 11 distinct categories so you can determine which credit card is right for your particular needs.
The Best Overall Credit Card: JetBlue Card
Despite some strong contenders for the title, the JetBlue Card has come out on top as the hands-down best overall credit card for 2022. The JetBlue Card brings with it a number of unique benefits including high value airline rewards, a plethora of perks and no annual fee. Additionally, users can earn 3 TrueBlue points for every dollar spent which can be redeemed for special perks on JetBlue flights, reduced fees for travel insurance and zero fee foreign currency exchange.
The Best Travel Credit Card: Amtrak Guest Rewards World Mastercard
After comparing numerous travel credit cards, the best travel credit card for 2022 is brought to you by Amtrak. Yes, you read that right. The best travel credit card is not an airline card or a hotel card, but a passenger train card. The Amtrak Guest Rewards World Mastercard from Bank of America is our chosen pick for best travel credit card due to high average earnings and some excellent perks when travelling on Amtrak (including one-class upgrades and single-visit station lounge passes).
The Best Cash Back Credit Card: Citi Double Cash Card
A close runner-up for our best overall credit card, the Citi Double Cash Card is hands-down the best cash back credit card in 2022. This card earns 2% cash back on all purchases, with no annual fee and a robust balance transfer offer. Our rationale for rating this the best cash back card is simple: two points are better than one. With the Citi Double Cash Card, you’ll receive 1% cash back on every purchase and an additional 1% cash back when you pay your monthly bill on time. With no annual fee, rating this the best cash back credit card was an absolute no-brainer.
The Best No Fee Travel Credit Card: JetBlue Card.
In addition to being our best overall credit card, the JetBlue Card has also been deemed the best no fee travel credit card in 2022. As mentioned above, cardholders are entitled to various JetBlue airline perks, up to two points for every $1 spent on everyday purchases and zero-fee foreign currency exchange. The JetBlue Card also provides cardholders with exclusive discounts and no blackout dates on flights, so you can book your post-COVID holidays with confidence. If you’re looking for a complete, no-fee travel credit card, the JetBlue Card is difficult to beat.
The Best No Fee Cash Back Credit Card: PayPal Cashback Mastercard
Our choice for the best no fee cash back credit for 2022 is the PayPal Cashback Mastercard. While there are a number of great no annual fee cash back credit cards on the market, the PayPal Cashback Mastercard has one major advantage above the others; no foreign exchange fees. For a cardholder, this means that you can purchase goods and services around the world without paying additional fees for foreign currency exchange. In addition to no annual fee and 2% cash back on all purchases, the PayPal Cashback Mastercard is our top choice for the best no fee cash back credit card in 2022.
The Best Low APR Credit Card: HSBC Cash Rewards Mastercard
If you’re seeking to reduce your credit card debt, finding a credit card with a low interest rate is absolutely imperative. As such, our choice for the best low APR credit card in 2022 is the HSBC Cash Rewards Mastercard. With an APR as low as 14.49% on all purchases and balance transfers, and 1.5% cash back on all new purchases made with the card, the HSBC Cash Rewards credit card is our top pick for the best low APR credit card. Plus, it comes with a balance transfer promotion of 0% for the first 12 months.
The Best Balance Transfer Credit Card: Amex EveryDay Credit Card
As noted throughout this article, it’s critically important to manage your existing credit card debt effectively. There are a number of credit cards on the market that offer balance transfer promotions that provide promotional rates of 0% for a defined period of time. In our estimation, the best balance transfer credit card in 2022 is the Amex EveryDay Credit Card. While some cards have a longer balance transfer period (in some cases, upwards of 21 months), at 15 months with no fee to transfer a balance, cardholders can save a significant amount of money upfront. Combined with complimentary roadside assistance and the ability to earn 20% more points when you make 20 or more purchases, the Amex EveryDay Credit Card is our top choice for the best balance transfer credit card.
The Best Rewards Credit Card: Amtrak Guest Rewards World Mastercard
Once again, the Amtrak Guest Rewards World Mastercard ranks high on our list as the best rewards credit card in 2022. From a total rewards perspective, this rewards card cannot be beat. With Amtrak points valued at $0.025 and the ability to earn up to 3 points for every $1 spent, these rewards can add up very quickly. As mentioned above, the Amtrak Guest Rewards World Mastercard from Bank of America will also allow you to travel in luxury with a one-class upgrade and a single-visit station lounge pass.
The Best Grocery Credit Card: Blue Cash Preferred Card from American Express
Our choice for the best grocery credit card in 2022 is the Blue Cash Preferred Card from American Express. Groceries represent a significant expense each month, particularly as we spend more and more time cooking at home. The Blue Cash Preferred Card will earn you 6% cash back on the first $6000 spent on groceries, and an additional 1% on all grocery purchases above and beyond the initial $6000. At minimum, this card will earn you $360 in rewards simply for using to purchase groceries. When combined with the $250 sign-up bonus, the Blue Cash Preferred Card from American Express is our top rated grocery credit card in 2022.
The Best Gas Credit Card: Costco Anywhere Visa Card by Citi
Much like purchasing groceries, putting gas in your car is essential for many of the day-to-day tasks associated with modern life. A gas credit card makes even more sense for those with ,lengthily commutes to work each day. After careful consideration, we have selected the Costco Anywhere Visa Card by Citi as the best gas credit card in 2022. This particular gas card will provide you with 4% cash back on the first $7000 in fuel purchases, in addition to 2% cash back on all Costco purchases. The Costco Anywhere Visa Card by Citi can help you get where you want to go.
The Best Store Credit Card: Chase Amazon Prime Rewards Visa Signature
The benefits of using a store credit card are well-known, especially if you frequent a particular store. Most major retailers offer their customers special perks and discounts to reward them for their past loyalty and to entice them to continue shopping in the future. While we usually think of brick-and-mortar stores in the context of credit cards, it should come as no surprise that the world’s largest online retailer offers their own credit card, too. With the ability to earn 5% cash back on all of your online purchases, the Chase Amazon Prime Rewards Visa Signature is in a class of its own and ranks as the best store credit card in 2022.