Best Credit Cards in January 2022
ADVERTISING DISCLOSURE
ADVERTISING DISCLOSURE:
Credit-Land.com is an independent, advertising-supported web site.
Credit-Land.com receives compensation from most credit card issuers whose offers appear on our site.
Compensation from our advertising partners impacts how and where their products appear on our site,
including, for example, the order in which they may appear within review lists.
Credit-Land.com has not reviewed all available credit card offers in the marketplace.
Top Credit Cards From Our Partners
What's the best credit card to apply for in 2022? Well, it depends on you and the question should be put a bit differently: "What credit card is best for me?" Cards may have big rewards, low interest rates, or balance transfer offers. Sure thing, there is a perfect card for you and Credit-Land.com shows you most popular credit cards out there.
Best Credit Card Offers
There is no one for all credit card. Different credit cards have different sets of features and benefits. We all also have different needs and goals. One may need a credit card with 0% intro APR, the other may want a no annual fee credit card with cash back rewards. Also, you should always take your credit score into consideration when looking for a new credit card. So, do not pick fist best offer you see, it should be a carefully weighed decision.
Compare
CARD DETAILS:
- INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
- Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate.
- Plus, earn unlimited 1% cash back on all other purchases - automatically.
- Redeem cash back in any amount, any time. Rewards never expire.
- Use your rewards at Amazon.com checkout.
- No annual fee.
- Discover is accepted nationwide by 99% of the places that take credit cards.
- Click "APPLY NOW" to see rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
APRs & FEES:
Compare
CARD DETAILS:
- Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
- Earn 3 Points per $1 spent at Restaurants and Supermarkets
- Earn 3 Points per $1 spent at Gas Stations, Air Travel and Hotels
- Earn 1 Point per $1 spent on all other purchases
- Annual Hotel Savings Benefit
- 60,000 Points are redeemable for $600 in gift cards when redeemed at thankyou.com
- No expiration and no limit to the amount of points you can earn with this card
- No Foreign Transaction Fees on purchases
Compare
CARD DETAILS:
- UNLIMITED BONUS: Only Discover gives you an unlimited match of all the Miles you’ve earned at the end of your first year. For example, if you earn 35,000 Miles, you get 70,000 Miles. There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.
- Automatically earn unlimited 1.5x Miles on every dollar of every purchase - with no annual fee.
- Redeem Miles to pay any part of your monthly bill, including your minimum payment.
- Turn Miles into cash in any amount, any time. Or redeem as a statement credit for travel purchases like airfare, hotels, rideshares, gas stations, restaurants and more with no blackout dates. However you redeem, Miles keep the same value. And Miles never expire.
- No Blackout Dates. Simply pay for travel purchases like airlines, hotels, rental cars, and more with your Discover it® Miles card.
- Discover is accepted nationwide by 99% of the places that take credit cards.
- Freeze your account in seconds with an on/off switch either on the mobile app or website to prevent new purchases, cash advances, and balance transfers.
- Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
- Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
- Click "APPLY NOW" to see rewards, FICO® Credit Score terms, Discover Match® details & other information.
APRs & FEES:
Compare
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.
Compare
CARD DETAILS:
- INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
- Earn cash back on your next road trip with 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.
- Redeem your cash back for any amount, any time. Cash rewards never expire.
- 100% U.S. Based Customer Service available any time.
- Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
- Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
- No annual fee.
- Discover is accepted nationwide by 99% of the places that take credit cards.
- Click "APPLY NOW" to see rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
APRs & FEES:
Compare
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.
Related User Questions:
If you are looking for the best airline credit card, then it depends on the airline you fly with. For example, if you do not fly Virgin America, there's no sense getting their credit card even it offers great sign-up bonus and generous ongoing...
Continue reading
Airlines credit cards offer a great opportunity to earn rewards for your flights. Nowadays credit card issuers partner with airlines or offer their own cards with sign up bonuses and other special perks. Different factors are determined when issuers...
Continue reading
We all hear a lot about airlines miles and points and how vivid a life you're going to have once you start collecting miles. And while this frequent flyer miles science may seem confusing and complicated, in fact it's a piece of cake and everyone...
Continue reading
Our Partners' Best Credit Cards for Every Customer
When Credit-Land.com talks about the best credit card offers available right now, we aren't just talking about great credit cards with the hottest offers, the lowest interest rates, or the sweetest rewards. Here, at Credit-Land.com, we make a thorough comparison of the best credit cards in the USA and select a best credit card for each of our customers - and that's not going to be the same card in every case. Our priority is to get you approved for the right card for you.
When you wonder "how to find the best credit card for me", you should remember about your own unique credit history and why you need a credit card. That's why we don't simply show you the most popular new cards or several top credit cards. Credit-Land.com will always tell you what level of credit is required for each card on our site, so you could evaluate your chances to qualify for it. Thus, know your credit history before you apply for a credit card.
There's a card for every need - bad credit, good credit, business or student. Moreover, there's a perfect card for you, no matter what you're looking for - the important thing is to look in the right place and to compare credit cards. Thus, if you want to build your credit, you will waste your time reviewing credit card offers with a 0% into APR benefit or travel rewards credit cards - all such cards are for people with good credit. And of course, you should not consider secured credit cards when you have established credit history with high credit score. Secured cards are designed for people with poor credit or no credit at all.
When you hesitate between two or three credit cards, use our Credit Card Comparison tool to review main credit card features of the cards you like in one table. This may help you to make your final decision.
You should remember that every time you submit a new credit card application, a hard inquiry is made to your credit report and your credit can be affected. Use our tools to make sure you're applying for the right card and increase your chances of getting approved.
When you wonder "how to find the best credit card for me", you should remember about your own unique credit history and why you need a credit card. That's why we don't simply show you the most popular new cards or several top credit cards. Credit-Land.com will always tell you what level of credit is required for each card on our site, so you could evaluate your chances to qualify for it. Thus, know your credit history before you apply for a credit card.
There's a card for every need - bad credit, good credit, business or student. Moreover, there's a perfect card for you, no matter what you're looking for - the important thing is to look in the right place and to compare credit cards. Thus, if you want to build your credit, you will waste your time reviewing credit card offers with a 0% into APR benefit or travel rewards credit cards - all such cards are for people with good credit. And of course, you should not consider secured credit cards when you have established credit history with high credit score. Secured cards are designed for people with poor credit or no credit at all.
When you hesitate between two or three credit cards, use our Credit Card Comparison tool to review main credit card features of the cards you like in one table. This may help you to make your final decision.
You should remember that every time you submit a new credit card application, a hard inquiry is made to your credit report and your credit can be affected. Use our tools to make sure you're applying for the right card and increase your chances of getting approved.
Featured News:
NYC Restaurant Week Returns
January 18, 2022
Chase Freedom 5% bonus categories in Q1 2022
January 12, 2022
