A single credit card isn’t the best option for every family, every purchase, or every budget. Forbes Advisor has chosen the best credit cards in such a way as to be the most helpful to as many readers as possible. To avoid selecting a “best credit card” and listing the next nine options, we highlighted the best cards based on a variety of factors. Below are the star ratings for each card’s category. See the review for the global rating.
Select analyzed 234 credit cards available to anyone in the U.S. in order to determine which cards offer the best value. Our comparison of rewards cards used the latest spending data from Esri to determine how much money each card could net you over five years. To learn more about how we select the best cards, see our methodology.
Additionally, the credit cards we selected offer many bonus benefits, such as annual statement credits, discounts at select retailers, insurance, and more, which make using a credit card worthwhile. Using these cards can be a great way to save money, considering that the average American spends $22,126 a year, according to the latest spending data from Esri.
For maximum benefit from your card, you will want to ensure responsible credit behavior including paying off your monthly balance on time and in full each month, avoiding overspending, and avoiding debt.
You can earn over $2,000 in cash back over a five-year period by using our best credit cards of 2022, which can help you build credit, save on interest charges and save on cash back costs.
Here are the best credit cards of February 2022:
Best cash-back credit card: Chase Freedom Unlimited® Card
Best rewards card: American Express® Gold Card
Best travel card: American Express® Gold Card
Best credit card welcome bonus: Chase Sapphire Preferred® Card
Best no annual fee credit card: Citi® Double Cash Card
Best no annual fee travel credit card: Discover it® Miles
Best balance transfer credit card: Citi Simplicity® Card – No Late Fees Ever
Best low interest credit card: Titanium Rewards Visa® Signature Card from Andrews Federal Credit Union
Best secured credit card: Discover it® Secured Credit Card
Best for building credit: Petal® 2 “Cash Back, No Fees” Visa® Credit Card
Best for college students: Discover it® Student Cash Back
Best dining rewards credit card: Chase Sapphire Reserve®
Best gas rewards credit card: PenFed Platinum Rewards Visa Signature® Card
Best grocery rewards credit card: Blue Cash Preferred® Card from American Express
Best entertainment rewards credit card: Capital One® Savor® Cash Rewards Credit Card
Best for average credit: Petal® 2 “Cash Back, No Fees” Visa® Credit Card
Best credit card for Global Entry and/or TSA PreCheck® credit: Capital One Venture Rewards Credit Card
