If you’re looking for the best credit card for your lifestyle, it can be overwhelming to navigate through the endless options available. Fortunately, we’ve researched and compiled a list of the best credit cards available right now, in December 2022. Whether you’re looking for rewards, low-interest rates, or travel benefits, we’ve got you covered.
- Chase Sapphire Preferred Card
The Chase Sapphire Preferred Card is a great option for those who love to travel. The card offers a sign-up bonus of 100,000 points after spending $4,000 within the first three months, which is worth $1,250 in travel when redeemed through Chase Ultimate Rewards. Cardholders also earn 2x points on travel and dining purchases and 1x point on all other purchases.
- Citi Double Cash Card
If you’re looking for a straightforward cash-back credit card, the Citi Double Cash Card is a top contender. The card offers 2% cash back on all purchases; 1% when you make the purchase, and an additional 1% when you pay your balance. There’s no annual fee, and the card offers a 0% introductory APR on balance transfers for the first 18 months.
- American Express Gold Card
The American Express Gold Card is another great option for those who love to travel and dine out. The card offers 4x points on dining purchases and 4x points on up to $25,000 per year in supermarket purchases, 3x points on flights booked directly with airlines or through amextravel.com, and 1x point on all other purchases. There’s a $250 annual fee, but the card offers up to $120 in dining credits and up to $120 in Uber Cash annually.
- Discover it Cash Back Card
The Discover it Cash Back Card offers rotating 5% cash-back categories each quarter, such as gas stations, restaurants, and Amazon.com purchases. Cardholders earn 1% cash back on all other purchases. Plus, Discover matches all the cash back earned in the first year for new cardholders. There’s no annual fee, and the card offers a 0% introductory APR on purchases and balance transfers for the first 14 months.
- Capital One Venture Rewards Credit Card
The Capital One Venture Rewards Credit Card is a great option for those who want to earn miles towards travel rewards. Cardholders earn 2x miles on every purchase, and the card offers a sign-up bonus of 60,000 miles after spending $3,000 within the first three months. The miles can be redeemed for travel purchases made with the card. There’s a $95 annual fee, but it’s waived for the first year.
Finding the right credit card can be a daunting task, but with the right research, you can find the best card to fit your needs. Consider what rewards and benefits are most important to you, and make sure to read the fine print on fees and interest rates. With the best credit card in your wallet, you can maximize your spending and enjoy the perks that come along with it.