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Best Credit Cards of January 2022

Best 0% APR Card

BankAmericard® credit card

BankAmericard® credit card

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BankAmericard® credit card

0% Intro APR
18 months
18 months on new purchases and balance transfers made in the first 60 days
Bonus ?$100 statement credit online bonus after making at least $1,000 in purchases in the first 90 days of account opening
$100
Annual Fee
$0
Regular APR ?APR, or Annual Percentage Rate, is the price you pay to borrow money. Variable APR means that your interest can fluctuate over time, which can increase or decrease your monthly payment.
12.99% - 22.99% Variable APR
Credit Score ?A credit score is one factor, among others, that a lender or credit card issuer may use to evaluate whether a financial product is right for you. However, credit score alone may not guarantee approval for a financial product.
Good to Excellent (670-850)

Card Details

  • New Offer! $100 statement credit online bonus after making at least $1,000 in purchases in the first 90 days of account opening
  • 0% Introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 12.99% - 22.99% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers
  • No annual fee
  • No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply
  • Access your FICO® Score for free within Online Banking or your Mobile Banking app
  • Contactless Cards - The security of a chip card, with the convenience of a tap
  • This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now
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Best Balance Transfer Card

Citi® Diamond Preferred® Card

Citi® Diamond Preferred® Card

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Citi® Diamond Preferred® Card

0% Intro APR
21 months
0% APR for 21 months for balance transfers
12 months
0% APR for 12 months for new purchases
Bonus ?No current offer
No current offer
Annual Fee
$0
Regular APR ?APR, or Annual Percentage Rate, is the price you pay to borrow money. Variable APR means that your interest can fluctuate over time, which can increase or decrease your monthly payment.
13.74% - 23.74% Variable APR
Credit Score ?A credit score is one factor, among others, that a lender or credit card issuer may use to evaluate whether a financial product is right for you. However, credit score alone may not guarantee approval for a financial product.
Good or Excellent (670-850)

Card Details

  • 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 13.74% - 23.74%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening
  • There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
  • Get free access to your FICO® Score online
  • With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more
  • Shop with confidence knowing that you have dependable protection benefits, including $0 Liability on Unauthorized Purchases and Citi® Identity Theft Solutions
  • The standard variable APR for Citi Flex Plan is 13.74% - 23.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion
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Best Rewards Card

Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

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Chase Sapphire Preferred® Card

Rewards Rate
5X
Earn 5X points on travel purchased through Chase Ultimate Rewards®.
3X
Earn 3X points on dining.
2X
Earn 2X points on all other travel purchases, plus more.
Bonus ?Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening
60,000 bonus points
Annual Fee
$95
Regular APR ?APR, or Annual Percentage Rate, is the price you pay to borrow money. Variable APR means that your interest can fluctuate over time, which can increase or decrease your monthly payment.
15.99% - 22.99% Variable APR
Credit Score ?A credit score is one factor, among others, that a lender or credit card issuer may use to evaluate whether a financial product is right for you. However, credit score alone may not guarantee approval for a financial product.
Good or Excellent (670-850)

Card Details

  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®
  • Enjoy new benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5X points on travel purchased through Chase Ultimate Rewards®, 3X points on dining and 2X points on all other travel purchases, plus more
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel
  • With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders over $12 for a minimum of one year with DashPass, DoorDash's subscription service. Activate by 3/31/2022
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
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Best Dining Card

American Express® Gold Card

American Express® Gold Card

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American Express® Gold Card

Rewards Rate
4X
Earn 4X Membership Rewards® Points at Restaurants, including takeout and delivery.
4X
Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
3X
Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
Bonus ?Earn 60,000 Membership Rewards® Points after you spend $4,000 on eligible purchases with your new Card within the first 6 months
60,000 Membership Rewards® Points
Annual Fee
$250
Regular APR ?APR, or Annual Percentage Rate, is the price you pay to borrow money. Variable APR means that your interest can fluctuate over time, which can increase or decrease your monthly payment.
15.99% - 22.99% Variable APR
Credit Score ?A credit score is one factor, among others, that a lender or credit card issuer may use to evaluate whether a financial product is right for you. However, credit score alone may not guarantee approval for a financial product.
Good or Excellent (670-850)

Card Details

  • Rose Gold is here to stay. Card Members can choose between a Gold or Rose Gold Card
  • Earn 60,000 Membership Rewards® Points after you spend $4,000 on eligible purchases with your new Card within the first 6 months
  • Earn 4X Membership Rewards® Points at Restaurants, including takeout and delivery, and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X)
  • Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com
  • $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year
  • $120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruth's Chris Steak House, Boxed, and participating Shake Shack locations. This can be an annual savings of up to $120. Enrollment required
  • No Foreign Transaction Fees
  • Annual Fee is $250
  • Terms Apply
  • Rates and Fees
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Best Travel Rewards Card

Chase Sapphire Reserve®

Chase Sapphire Reserve®

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Chase Sapphire Reserve®

Rewards Rate
10X
Earn 10X total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards®.
5X
Earn 5X total points on air travel through Chase Ultimate Rewards®.
3X
Earn 3X points on other travel and dining.
1X
Earn 1 point per $1 spent on all other purchases
Bonus ?Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening
50,000 bonus points
Annual Fee
$550
Regular APR ?APR, or Annual Percentage Rate, is the price you pay to borrow money. Variable APR means that your interest can fluctuate over time, which can increase or decrease your monthly payment.
16.99% - 23.99% Variable APR
Credit Score ?A credit score is one factor, among others, that a lender or credit card issuer may use to evaluate whether a financial product is right for you. However, credit score alone may not guarantee approval for a financial product.
Excellent (740-850)

Card Details

  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
  • Earn 5X total points on air travel and 10X total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3X points on other travel and dining & 1 point per $1 spent on all other purchases
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards®. For example, 50,000 points are worth $750 toward travel
  • With Pay Yourself Back℠, your points are worth 50% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit for Global Entry or TSA PreCheck®
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
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Best Travel Rewards Card

The Platinum Card® from American Express

The Platinum Card® from American Express

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The Platinum Card® from American Express

Rewards Rate
10X
Earn 10x points on eligible purchases on the Card at restaurants worldwide and when you Shop Small in the U.S., on up to $25,000 in combined purchases, during your first 6 months of Card Membership.
5X
Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year.
5X
Earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
Bonus ?Earn 100,000 Membership Rewards® Points after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership
100,000 Membership Rewards® Points
Annual Fee
$695
Regular APR ?APR, or Annual Percentage Rate, is the price you pay to borrow money. Variable APR means that your interest can fluctuate over time, which can increase or decrease your monthly payment.
15.99% - 22.99% Variable APR
Credit Score ?A credit score is one factor, among others, that a lender or credit card issuer may use to evaluate whether a financial product is right for you. However, credit score alone may not guarantee approval for a financial product.
Good or Excellent (670-850)

Card Details

  • Earn 100,000 Membership Rewards® points after you spend $6,000 on purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum Card®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu
  • Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel
  • $200 Hotel Credit: Get $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®
  • $240 Digital Entertainment Credit: Get up to $20 in statement credits each month when you pay for eligible purchases with the Platinum Card® at your choice of one or more of the following providers: Peacock, Audible, SiriusXM, and The New York Times. Enrollment required
  • $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership with a statement credit after you pay for Walmart+ each month with your Platinum Card. Cost includes $12.95 plus applicable local sales tax
  • American Express has expanded The Centurion® Network to include 40+ Centurion Lounge and Studio locations worldwide. There are even more places your Platinum Card® can get you complimentary entry and exclusive perks
  • $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year in baggage fees and more at one select qualifying airline
  • $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only
  • $300 Equinox Credit: Get up to $25 back each month on eligible Equinox memberships when you pay with your Platinum Card®. Enrollment required
  • $179 CLEAR® Credit: Use your Card and get up to $179 back per year on your CLEAR® membership
  • $695 annual fee
  • Terms Apply
  • See Rates and Fees
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Best Travel Rewards Card

Capital One Venture Rewards Credit Card

Capital One Venture Rewards Credit Card

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Capital One Venture Rewards Credit Card

Rewards Rate
2X
Earn unlimited 2X miles on every purchase, every day.
5X
Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
Bonus ?Enjoy a one-time bonus of 60,000 miles once you spend $3,000 on purchases within 3 months from account opening
60,000 miles
Annual Fee
$95
Regular APR ?APR, or Annual Percentage Rate, is the price you pay to borrow money. Variable APR means that your interest can fluctuate over time, which can increase or decrease your monthly payment.
15.99% - 23.99% Variable APR
Credit Score ?A credit score is one factor, among others, that a lender or credit card issuer may use to evaluate whether a financial product is right for you. However, credit score alone may not guarantee approval for a financial product.
Good or Excellent (670-850)

Card Details

  • Enjoy a one-time bonus of 60,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $600 in travel
  • Earn unlimited 2X miles on every purchase, every day
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®
  • Earn 5x miles on hotels and rental cars booked through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options
  • Use your miles to get reimbursed for an travel purchase-or redeem by booking a trip through Capital One Travel
  • Transfer your miles to your choice of 15+ travel loyalty programs
  • No foreign transaction fees
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Best Airline Credit Card

Delta SkyMiles® Reserve American Express Card

Delta SkyMiles® Reserve American Express Card

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Delta SkyMiles® Reserve American Express Card

Rewards Rate
2X
Earn 2X Miles on Delta purchases, at restaurants worldwide, including takeout and delivery and at U.S. supermarkets.
1X
Earn 1X Mile on all other eligible purchases.
Bonus ?Earn 50,000 Bonus Miles and 10,000 Medallion® Qualification Miles (MQMs) after you spend $3,000 in purchases on your new Card in your first 3 months
50,000 bonus miles
Annual Fee
$550
Regular APR ?APR, or Annual Percentage Rate, is the price you pay to borrow money. Variable APR means that your interest can fluctuate over time, which can increase or decrease your monthly payment.
15.74% - 24.74% Variable APR
Credit Score ?A credit score is one factor, among others, that a lender or credit card issuer may use to evaluate whether a financial product is right for you. However, credit score alone may not guarantee approval for a financial product.
Good or Excellent (670-850)

Card Details

  • Earn 50,000 Bonus Miles and 10,000 Medallion® Qualification Miles (MQMs) after you spend $3,000 in purchases on your new Card in your first 3 months
  • Plus, earn up to $100 back in statement credits for eligible purchases at U.S. restaurants with your card within the first 3 months of membership
  • Earn up to 60,000 Medallion® Qualification Miles (MQMs) with Status Boost® per year. After you spend $30,000 in purchases on your Card in a calendar year, you can earn 15,000 MQMs four times per year, getting you closer to Medallion® Status. MQMs are used to determine Medallion® Status and are different than miles you earn toward flights.
  • Payment of the government-imposed taxes and fees of no more than $75 for roundtrip domestic flights (for itineraries with up to four flight segments) is required.
    Baggage charges and other restrictions apply. See terms and conditions for details.
  • Complimentary access into the Delta Sky Club® for you when travelling on a Delta flight.
  • Enjoy complimentary access to The Centurion® Lounge or Escape Lounge - The Centurion® Studio Partner when you book a Delta flight with your Reserve Card.
  • Fee Credit for Global Entry or TSA Pre✓®
  • Enjoy your first checked bag free on Delta flights
  • Earn 3X Miles on Delta purchases
  • Earn 1X Mile on all other eligible purchases
  • No Foreign Transaction Fees
  • $550 annual fee
  • Terms Apply
  • Rates and Fees
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Best Hotel Credit Card

The World of Hyatt Credit Card

The World of Hyatt Credit Card

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The World of Hyatt Credit Card

Rewards Rate
9X
Earn up to 9 points total for Hyatt stays – 4 Bonus Points per $1 spent at Hyatt hotels & 5 Base Points per $1 from Hyatt as a World of Hyatt member
2X
Earn 2 Bonus Points per $1 spent at restaurants, on airline tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships
Bonus ?Earn 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, up to 30,000 More Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent
Up to 60,000 points
Annual Fee
$95
Regular APR ?APR, or Annual Percentage Rate, is the price you pay to borrow money. Variable APR means that your interest can fluctuate over time, which can increase or decrease your monthly payment.
15.99% - 22.99% Variable APR
Credit Score ?A credit score is one factor, among others, that a lender or credit card issuer may use to evaluate whether a financial product is right for you. However, credit score alone may not guarantee approval for a financial product.
Good or Excellent (670-850)

Card Details

  • Earn 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, up to 30,000 More Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent
  • Enjoy complimentary World of Hyatt Discoverist status for as long as your account is open
  • Get 1 free night each year after your Cardmember anniversary at any Category 1-4 Hyatt hotel or resort
  • Receive 5 tier qualifying night credits towards status after account opening, and each year after that for as long as your account is open
  • Earn an extra free night at any Category 1-4 Hyatt hotel if you spend $15,000 in a calendar year
  • Earn 2 qualifying night credits towards tier status every time you spend $5,000 on your card
  • Earn up to 9 points total for Hyatt stays – 4 Bonus Points per $1 spent at Hyatt hotels & 5 Base Points per $1 from Hyatt as a World of Hyatt member
  • Earn 2 Bonus Points per $1 spent at restaurants, on airline tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships
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Best Student Credit Card

Chase Freedom Unlimited®

Chase Freedom Unlimited®

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Chase Freedom Unlimited®

Rewards Rate
5%
Earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
5%
Earn 5% on travel purchased through Chase Ultimate Rewards
3%
Earn 3% on dining at restaurants, including takeout and eligible delivery services and on drugstore purchases
1.5%
Earn unlimited 1.5% cash back on all other purchases.
Bonus ?$200 Bonus after you spend $500 on purchases in your first 3 months from account opening
$200
Annual Fee
$0
Regular APR ?APR, or Annual Percentage Rate, is the price you pay to borrow money. Variable APR means that your interest can fluctuate over time, which can increase or decrease your monthly payment.
14.99% - 24.74%% Variable APR
Credit Score ?A credit score is one factor, among others, that a lender or credit card issuer may use to evaluate whether a financial product is right for you. However, credit score alone may not guarantee approval for a financial product.
Good or Excellent (670-850)

Card Details

  • $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year
  • 3% cash back on dining at restaurants, including takeout and eligible delivery services
  • 3% cash back on drugstore purchases
  • 5% on travel purchased through Chase Ultimate Rewards®
  • Unlimited 1.5% cash back on all other purchases
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 14.99% - 24.74%
  • No annual fee
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Best Cash Back Card

Blue Cash Preferred® Card from American Express

Blue Cash Preferred® Card from American Express

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Blue Cash Preferred® Card from American Express

Rewards Rate
6%
6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
6%
6% Cash Back on select U.S. streaming subscriptions.
3%
3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more.
3%
3% Cash Back at U.S. gas stations
1%
1% Cash Back on other purchases
Bonus ?Earn a $300 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months
$300
Annual Fee
$0 introductory fee for first year, then $95
Regular APR ?APR, or Annual Percentage Rate, is the price you pay to borrow money. Variable APR means that your interest can fluctuate over time, which can increase or decrease your monthly payment.
13.99% - 23.99% Variable APR
Credit Score ?A credit score is one factor, among others, that a lender or credit card issuer may use to evaluate whether a financial product is right for you. However, credit score alone may not guarantee approval for a financial product.
Good or Excellent (670-850)

Card Details

  • Earn a $300 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months
  • $0 intro annual fee for the first year, then $95
  • Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 plan fees on plans created during the first 12 months after account opening. Plans created after that will have a monthly plan fee up to 1.33% of each purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors
  • Low intro APR: 0% for 12 months on purchases from the date of account opening, then a variable rate, 13.99% to 23.99%
  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%)
  • 6% Cash Back on select U.S. streaming subscriptions
  • 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more)
  • 1% Cash Back on other purchases
  • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit
  • Terms Apply
  • Rates and Fees
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Best Rewards Card

American Express Blue Business Cash™ Card

American Express Blue Business Cash™ Card

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American Express Blue Business Cash™ Card

Rewards Rate
2%
Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%.
1%
1% cash back on all eligible purchases after spending $50,000 per calendar year.
Bonus ?Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months
$250
Annual Fee
$0
Regular APR ?APR, or Annual Percentage Rate, is the price you pay to borrow money. Variable APR means that your interest can fluctuate over time, which can increase or decrease your monthly payment.
13.24% - 19.24% Variable APR
Credit Score ?A credit score is one factor, among others, that a lender or credit card issuer may use to evaluate whether a financial product is right for you. However, credit score alone may not guarantee approval for a financial product.
Good or Excellent (670-850)

Card Details

  • Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months
  • Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement
  • From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power
  • Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to American Express and other factors
  • 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 13.24% - 19.24%, based on your creditworthiness and other factors as determined at the time of account opening
  • No Annual Fee
  • Terms Apply
  • Rates and Fees
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Best Business Card

Citi® Double Cash Card

Citi® Double Cash Card

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Citi® Double Cash Card

Rewards Rate
2%
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
Bonus ?N/A
N/A
Annual Fee
$0
Regular APR ?APR, or Annual Percentage Rate, is the price you pay to borrow money. Variable APR means that your interest can fluctuate over time, which can increase or decrease your monthly payment.
13.99% - 23.99% Variable APR
Credit Score ?A credit score is one factor, among others, that a lender or credit card issuer may use to evaluate whether a financial product is right for you. However, credit score alone may not guarantee approval for a financial product.
Good or Excellent (670-850)

Card Details

  • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases
  • To earn cash back, pay at least the minimum due on time
  • Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.99% - 23.99%, based on your creditworthiness
  • Balance Transfers do not earn cash back. Intro APR does not apply to purchases
  • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month
  • There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer
    (minimum $5)
  • The standard variable APR for Citi Flex Plan is 13.99% - 23.99% based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion
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Summary: Best Credit Cards of January 2022

Credit Card Best For Annual Fee Intro Bonus Credit Score
BankAmericard® credit card

BankAmericard® credit card

Best 0% APR Card $0 $100 Good to Excellent (670-850) Compare Cards

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Citi® Diamond Preferred® Card

Citi® Diamond Preferred® Card

Best Balance Transfer Card $0 No current offer Good or Excellent (670-850) Compare Cards

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Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

Best Rewards Card $95 60,000 bonus points Good or Excellent (670-850) Compare Cards

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American Express® Gold Card

American Express® Gold Card

Best Dining Card $250 60,000 Membership Rewards® Points Good or Excellent (670-850) Compare Cards

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Chase Sapphire Reserve®

Chase Sapphire Reserve®

Best Travel Rewards Card $550 50,000 bonus points Excellent (740-850) Compare Cards

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The Platinum Card® from American Express

The Platinum Card® from American Express

Best Travel Rewards Card $695 100,000 Membership Rewards® Points Good or Excellent (670-850) Compare Cards

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Capital One Venture Rewards Credit Card

Capital One Venture Rewards Credit Card

Best Travel Rewards Card $95 60,000 miles Good or Excellent (670-850) Compare Cards

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Delta SkyMiles® Reserve American Express Card

Delta SkyMiles® Reserve American Express Card

Best Airline Credit Card $550 50,000 bonus miles Good or Excellent (670-850) Compare Cards

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The World of Hyatt Credit Card

The World of Hyatt Credit Card

Best Hotel Credit Card $95 Up to 60,000 points Good or Excellent (670-850) Compare Cards

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Chase Freedom Unlimited®

Chase Freedom Unlimited®

Best Student Credit Card $0 $200 Good or Excellent (670-850) Compare Cards

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Blue Cash Preferred® Card from American Express

Blue Cash Preferred® Card from American Express

Best Cash Back Card $0 introductory fee for first year, then $95 $300 Good or Excellent (670-850) Compare Cards

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American Express Blue Business Cash™ Card

American Express Blue Business Cash™ Card

Best Rewards Card $0 $250 Good or Excellent (670-850) Compare Cards

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Citi® Double Cash Card

Citi® Double Cash Card

Best Business Card $0 N/A Good or Excellent (670-850) Compare Cards

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