Best credit card for good credit 2022: Reap the rewards

Best credit card for good credit 2022: Reap the rewards

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Credit cards are each based connected the benignant of recognition you person -- but not each of america person the perfect recognition people for the exertion process. 

If you're 1 of the fortunate ones who bash person bully credit, determination are a fewer recognition cards you truly should consider. To marque it casual for you to determine which 1 to get, these are our adept recommendations. ZDNet can assistance you find the champion recognition paper offers for bully credit.

Intro BonusEarn a $200 connection recognition aft you walk $2,000 successful purchases connected your caller Card wrong the archetypal 6 months.

APR14.24%-24.24% Variable

Recommended Credit Excellent/Good

Reward Rates

  • 3% Cash Back astatine U.S. supermarkets (on up to $6,000 per twelvemonth successful purchases, past 1%)
  • 2% Cash Back astatine U.S. state stations and astatine prime U.S. section stores
  • 1% Cash Back connected different purchases

Annual Fee$0

Intro Purchase APR0% connected Purchases for 15 months

Balance Transfer Fee N/A

Late Payment Fee Up to $40

Foreign Transaction Fees 2.7% of each transaction aft conversion to US dollars.

Penalty APR 29.99% Variable

  • 3% Cash Back astatine U.S. supermarkets (on up to $6,000 per twelvemonth successful purchases, past 1%)
  • 2% Cash Back astatine U.S. state stations and astatine prime U.S. section stores
  • 1% Cash Back connected different purchases

With the Blue Cash Everyday Card from American Express, you tin gain other rewards with $200 backmost successful connection credits erstwhile you walk $2,000 wrong your archetypal six months of having the card. There is 3% cashback connected your market purchases, but aft you scope $6,000 successful purchases, the cashback magnitude drops to 1% thereafter. There is besides 2% cashback erstwhile you usage your paper astatine U.S. state stations and astatine participating U,S. section stores. All different purchases person 1% disconnected your purchases. Your cashback volition beryllium delivered arsenic Rewards Dollars that you tin redeem arsenic a connection credit. 

There is simply a 0% introductory APR connected purchases lasting 15 months earlier going to a 14.24% to 24.24% adaptable APR. Plus, this paper comes with a Buy Now, Pay Later plan, though ticker retired for the corresponding fees. There is simply a program interest of up to 1.33% of each amounts moved to the Buy Now, Pay Later plan. You besides get entree to different Amex benefits, similar outgo flexibility that does not impact your rewards. If you bid further cards for friends and family, they tin assistance you gain rewards with their monthly spending, too. This paper is large for travel, too, with a 24/7 Global Assist Hotline and rental car insurance. 

Pros

  • No yearly fee
  • 0% introductory APR
  • 3% backmost connected gas, groceries, and section stores

Cons

  • 1% cashback for astir spending
  • Must walk $2,000 for connection credit
  • Spending caps apply

Terms use to American Express benefits and offers. Enrollment whitethorn beryllium required for prime American Express benefits and offers. Visit americanexpress.com to larn more.

Intro BonusEnjoy a one-time bonus of 60,000 miles erstwhile you walk $3,000 connected purchases wrong 3 months from relationship opening, adjacent to $600 successful travel

APR15.99% - 23.99% (Variable)

Recommended Credit Excellent, Good

Reward Rates

  • Earn 5X miles connected hotels and rental cars booked done Capital One Travel, wherever you'll get Capital One's champion prices connected thousands of travel options
  • Earn unlimited 2X miles connected each purchase, each day.

Annual Fee$95

Intro Purchase APRN/A

Intro Balance Transfer APRN/A

Balance Transfer Fee $0 astatine this Transfer APR

Balance Transfer APR15.99% - 23.99% (Variable)

Late Payment Fee Up to $40

Foreign Transaction Fees None

Penalty APR None

  • Earn 5X miles connected hotels and rental cars booked done Capital One Travel, wherever you'll get Capital One's champion prices connected thousands of travel options
  • Earn unlimited 2X miles connected each purchase, each day.

The Capital One VentureOne Rewards Credit Card is the paper predominant travelers privation with other miles for their question needs. You volition person 5 miles for each dollar you walk connected hotels and rental cars, but you indispensable publication done Capital One Travel to qualify. Miles tin past beryllium redeemed arsenic connection credits you tin use. There are implicit 15 loyalty programs to take from, oregon you tin take to redeem your points connected PayPal oregon Amazon.com purchases. You tin instrumentality your time, too, due to the fact that rewards ne'er expire.

There is simply a adaptable APR of 26.99% and nary yearly fee. If you usage your paper extracurricular of the U.S., you tin prevention with nary overseas transaction fees. You besides person Capital One's regular benefits similar exigency replacement cards and entree to the Capital One Lounge.

Pros

  • Flat rewards rate
  • No yearly fee
  • PayPal redemption

Cons

  • Higher APR
  • Limited rewards
  • No intro APR

Intro BonusIntro Offer: Earn an further 1.5% currency backmost connected everything you bargain (on up to $20,000 spent successful the archetypal year) - worthy up to $300 currency back!

APR14.99% - 23.74% Variable

Recommended Credit Excellent/Good

Reward Rates

  • Enjoy 5% currency backmost connected question purchased done Chase Ultimate Rewards®, our premier rewards programme that lets you redeem rewards for currency back, travel, acquisition cards and more;
  • 3% currency backmost connected drugstore purchases and eating astatine restaurants, including takeout and eligible transportation service
  • 1.5% connected each different purchases

Annual Fee$0

Intro Purchase APR0% Intro APR connected Purchases for 15 months

Intro Balance Transfer APR0% Intro APR connected Balance Transfers for 15 months

Balance Transfer Fee Either $5 oregon 5% of the magnitude of each transfer, whichever is greater.

Balance Transfer APR14.99% - 23.74% Variable

Foreign Transaction Fees 3% of each transaction successful U.S. dollars

Penalty APR Up to 29.99%

  • Enjoy 5% currency backmost connected question purchased done Chase Ultimate Rewards®, our premier rewards programme that lets you redeem rewards for currency back, travel, acquisition cards and more;
  • 3% currency backmost connected drugstore purchases and eating astatine restaurants, including takeout and eligible transportation service
  • 1.5% connected each different purchases

This paper is each astir the rewards. With the Chase Freedom Unlimited card, you get 1.5% cashback for each $1 spent. For roadworthy warriors, you besides get other question bonuses with 5% cashback connected question purchased done Chase Ultimate Rewards. You volition person question security successful the signifier of travel cancellation oregon interruption reimbursement of up to $1,500 per idiosyncratic and $6,000 per trip. 

The paper besides includes 3% backmost connected restaurants and dining, including take-out, positive 5% cashback connected each Lyft rides done March. Your drugstore purchases volition gain you 3% back, truthful you tin gain portion picking up those prescriptions oregon sundries. New cardholders volition besides person an further 1.5% currency backmost connected everything you bargain connected up to $20,000 successful the archetypal year. That's worthy $300 currency back.  When you are acceptable to redeem your points, determination is nary minimum to currency them successful done Ultimate Rewards.

There is nary yearly fee, and Chase offers an introductory 0% APR for your archetypal 15 months of having the card.

Pros

  • Flexible rewards
  • No yearly fee
  • Introductory APR

Cons

  • Lower reward rate
  • Increasing equilibrium transportation fee
  • Redemption restrictions

Intro BonusIntro Offer: Unlimited Cashback Match - lone from Discover. Discover volition automatically lucifer each the currency backmost you’ve earned astatine the extremity of your archetypal year! There’s nary minimum spending oregon maximum rewards. You could crook $150 currency backmost into $300.

APR11.99% - 22.99% Variable

Recommended Credit Excellent/Good

Reward Rates

  • Earn 5% currency backmost connected mundane purchases astatine antithetic places each 4th similar Amazon.com, market stores, restaurants, state stations and erstwhile you wage utilizing PayPal, up to the quarterly maximum erstwhile you activate.
  • Earn 1% unlimited currency backmost connected each different purchases – automatically.

Annual Fee$0

Intro Purchase APR0% for 6 months

Intro Balance Transfer APR0% for 18 months

Balance Transfer Fee 3% intro equilibrium transportation fee, up to 5% interest connected aboriginal equilibrium transfers (see terms)*

Balance Transfer APR11.99% - 22.99% Variable

Late Payment Fee None the archetypal clip you wage late. After that, up to $40.

Foreign Transaction Fees None

  • Earn 5% currency backmost connected mundane purchases astatine antithetic places each 4th similar Amazon.com, market stores, restaurants, state stations and erstwhile you wage utilizing PayPal, up to the quarterly maximum erstwhile you activate.
  • Earn 1% unlimited currency backmost connected each different purchases – automatically.

If you privation rotating rewards, this could beryllium the paper for you. With the  Discover it Balance Transfer Credit Card, you tin gain 5% each 4th successful a antithetic category. Categories tin see market stores, restaurants, state stations, PayPal, and adjacent Amazon.com. However, rewards are capped each quarter, though nary yearly interest helps easiness the sting. For different purchases, you gain 1% cashback. Discover volition besides lucifer your spending dollar-for-dollar successful the archetypal twelvemonth arsenic a invited gift. For this, determination are nary minimum spending requirements, and determination is nary maximum for your earnings. Your rewards tin beryllium traded for cash, and you tin instrumentality your clip redeeming due to the fact that determination is nary expiration day for cashback. 

As a Discover cardholder, you volition person entree to its signature benefits, similar escaped societal information fig alerts and a escaped FICO recognition people connected your monthly statements.

Pros

  • Rotating categories 
  • 0% intro APR for 18 months
  • No yearly fee

Cons

  • Capped rewards
  • It tin beryllium hard to way earnings
  • Limited benefits

Intro BonusN/A

APR13.24%-27.24% (Variable)

Recommended Credit Limited/Fair/Good/Excellent

Reward Rates

  • Up to 1.5% currency backmost connected eligible purchases aft making 12 on-time monthly payments.
  • 1% currency backmost connected eligible purchases close away.

Annual Fee$0

Intro Purchase APRN/A

Foreign Transaction Fees $0

  • Up to 1.5% currency backmost connected eligible purchases aft making 12 on-time monthly payments.
  • 1% currency backmost connected eligible purchases close away.

The Petal 2 Visa Credit Card is issued by WebBank, a subordinate of FDIC. It comes with a recognition bounds of up to $10,000, and cashback ranges from 1% to 1.5% based connected whether you marque timely payments oregon not. There is besides bonus cashback ranging from 2% to 10% erstwhile you store astatine participating merchants. You person a adaptable APR of 13.24% to 27.24% depending connected the creditworthiness of your purchases. 

However, Petal makes a sanction for itself with nary fees whatsoever for your Petal 2 Visa card. There are nary yearly oregon overseas transaction fees, and if you are moving a small precocious connected your payment, determination are nary precocious oregon returned outgo fees. This enables cardholders to physique recognition portion inactive earning cashback. There is besides the added convenience of compatibility, utilizing your paper to wage done Apple Pay oregon Google Pay connected your phone.

Pros

  • No fees
  • Cashback with timely payments
  • Average recognition accepted

Cons

  • Rewards tin beryllium confusing
  • No introductory offer
  • No currency advances oregon transfers

How did we take these recognition cards?

In looking for the champion recognition cards for bully credit, we considered respective factors.

  • Type of recognition card: How you program to usage your paper volition assistance you find the close 1 for your fiscal needs. There are galore antithetic kinds of cards, specified arsenic those designed to physique recognition oregon gain question rewards. Finding the close 1 for your spending tin assistance you prevention a batch of money.
  • Rewards: Consider what benignant of rewards you tin gain with your recognition card. While galore connection cashback, others whitethorn connection different perks similar question miles instead.
  • APR: The APR connected recognition cards for bully recognition tin alteration significantly, depending connected the institution and benefits that travel with the card. Before choosing a card, see however overmuch involvement you volition person to wage connected each purchase.
  • Introductory offer: Many cards volition connection caller cardholders exclusive offers similar a 0% APR oregon currency backmost up to a definite threshold.
  • Balance transfer: Balance transfers tin assistance erstwhile you request to consolidate debt. That is wherefore it is important to see the fees for equilibrium transfers successful bid to prevention money. 

Which is the close recognition paper for you?

There are galore recognition cards retired there, but not each of them whitethorn let thing but fantabulous credit. These cards could beryllium a large acceptable erstwhile you person bully credit, depending connected your fiscal goals.

Choose this product...

If you want...

Blue Cash Everyday Card from American Express

Cashback connected your state and groceries 

Capital One Venture Rewards Credit Card

Flexible question rewards

Chase Freedom Unlimited

A sign-up bonus with cashback

Discover it Balance Transfer

When you marque regular equilibrium transfers

Petal 2 Visa Credit Card

To amended your credit 

How bash recognition cards work?

Credit cards are a paper typically made of integrative oregon metallic that allows you to wage for purchases and past wage them backmost aboriginal with interest. You volition person a enactment of recognition that allows you to marque purchases up to a definite amount, and you tin besides person rewards for your spending. 

Why should I usage a recognition card?

Credit cards tin beryllium a large mode to physique your recognition people with regular usage and timely payments implicit time. They besides tin gain your rewards portion offering further benefits similar fraud extortion and recognition people monitoring. Consider your fiscal lasting to assistance you find the close recognition paper for bully credit. 

What is the champion recognition paper for bully credit?

The champion recognition paper for bully recognition depends connected your fiscal goals. While immoderate cards let you to gain currency backmost rewards, others whitethorn reward you with question miles oregon different rewards. 

Are determination alternate cards worthy considering?

There are galore recognition cards disposable contiguous that judge bully credit. These are immoderate different options that whitethorn beryllium worthy of your consideration:

  • Blue Cash Preferred® Card from American Express: Great for groceries
  • Capital One Quicksilver Cash Rewards Credit Card: Best for 1.5% cashback
  • Capital One Venture X Rewards Credit Card: A no-frills recognition card
  • Citi Custom Cash Card: Best for tailored rewards
  • Discover it Cash Back: Recommended for mundane spending 
  • U.S. Bank Visa Platinum Card: A semipermanent intro APR
  • Wells Fargo Active Cash℠ Card: Earn 2% currency rewards

For different recognition paper options, see our picks for the best starter recognition paper for nary credit, the best crypto recognition cards, and our picks for 2022's most exclusive recognition cards.

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