Credit Cards

10 best rewards credit cards 2022

Want to learn about the best rewards credit cards for 2022? You have come to the right place.

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Find out which rewards credit cards are outstanding this year as the best ones

happy entrepreneur online banking with credit card mobile phone office
You deserve the best rewards credit card of 2022! Source: Freepik.

You can find the best rewards credit cards by just googling all the major issuers and checking their options.

But why look for each card individually when you can find the 10 best in a clear and concise list here? You are welcome! But first, here are a few things you need to know.

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There are two main varieties of reward credit cards. They are cash-back credit cards and travel credit cards. Cash-back cards will pay you back a portion of the amount you spend with each transaction.

Travel cards will award you with points or miles for every dollar you spend. You can redeem these points for hotel stays and free flights, among other services. 

There is no one-size-fits-all recipe when it comes to rewards credit cards. You get to decide which rewards you value most and how you spend both your money and your points.

For this reason, keep in mind that our list is not in any particular order of importance. With that being said, have a look at our picks below and pick the one that fits you best.

The Post New’s picks for 10 best cards in 2022

closeup credit card smartphone woman hands
You can choose between a cashback credit card or a travel credit card. Source: Freepik.

This list will show you a variety of excellent credit cards. If you’re looking for a cashback credit card or even a travel card, keep reading. You’ll certainly find one that fits you.

Citi® Double Cash Card – 18-month BT offer: a cash-back card for people who like to keep it simple

The Citi® Double Cash Card – 18-month BT offer is a low-hassle card that earns you 2% cash back on every purchase. The way this works is you make 1% when you buy and another 1% when you pay it off.

This card also offers an introductory bonus of $200 once you spend $1,500 within the first 6 months from account opening. Learn more about this card in the link below.

Citi® Double Cash Card – 18-month BT offer
Credit score requiredGood – Excellent
Welcome Bonus$200 bonus after spending $1,500 within the first 6 months from account opening
0% intro APR
Annual fee$0
Rewards1% unlimited cash-back when you buy + 1% cash-back when you pay off the balance
Other perksN/A
APR16.24% to 26.24% based on creditworthiness
Citi® Double Cash credit card

Citi® Double Cash credit card application

Applying for the Citi® Double Cash credit card is easy. Just read this post to see the eligibility requirements and the step-by-step of the application process.

Discover it® Student chrome: a cash-back credit card for college students

Discover it® Student chrome is one of the best rewards credit cards for college students because it does not require a credit history.

It will actually provide you with a free FICO score and forgive your first late payment. The card also charges no maintenance fees. Learn more about this card in the link below.

Discover it® Student chrome 
Credit score requiredNo score required
Welcome bonusGet double the amount of cash-back at the end of the first year
0% intro APR for 6 months
Annual fee$0
Rewards2% cash back at Gas Stations and Restaurants up to $1,000 per quarter
1% cash back on all other purchases
Other perksFree FICO score
Forgiveness for the 1st late payment
APR14.49% to 23.49% based on creditworthiness

U.S. Bank Altitude® Connect Visa Signature® card: a travel card for road travelers

If you like getting on the road, this is one of the best rewards credit cards for you. It offers points on prepaid hotels, car rentals, gas stations, and even EV charging stations.

Not to mention it rewards you points on streaming services, grocery stores, grocery delivery, and dining. 

U.S. Bank Altitude® Connect Visa Signature® card
Credit score requiredExcellent
Welcome bonus50,000 bonus points after the first $2,000 in eligible purchases
$0 annual fee for the first year
Annual fee$95
Rewards5X points on prepaid hotels and car rentals booked in the Altitude Rewards Center
4X points on gas stations, EV charging stations, and travel
2X points on streaming services
2X points at grocery stores, grocery delivery, and dining
1X points on all other eligible purchases
Other perksSplit eligible purchases of $100+ into equal monthly payments with the U.S. Bank ExtendPay™ Plan
APR18.24% to 26.24% variable APR

Delta SkyMiles® Gold American Express Card: a travel card for frequent flyers

Laptop, plane tickets, coffee, cappuccino and credit card lies on the table. The view from the top. The concept of travel and transport
Pick a good travel credit card if you’re a frequent traveller. Source: Adobe Stock.

If you are a frequent Delta customer who wants to double their miles, this card will save you hundreds of dollars a year. But if you just want to earn miles on purchases in everyday categories, this card also got you covered. Learn more about this card in the link below.

Delta SkyMiles® Gold American Express Card
Credit score requiredGood – Excellent
Welcome bonus40,000 miles after you spend $1,000 in purchases within the first 3 months from account opening
$0 intro annual fee for the first year
Annual fee$99
Rewards5X points on prepaid hotels and car rentals booked in the Altitude Rewards Center
4X points on gas stations, EV charging stations, and travel
2X points on streaming services
2X points at grocery stores, grocery delivery, and dining
1X points on all other eligible purchases
Other perksSplit eligible purchases of $100+ into equal monthly payments with the U.S. Bank ExtendPay™ Plan
APR18.24% to 26.24% variable APR
Delta SkyMiles® Gold American Express

Delta SkyMiles® Gold American Express application

Applying for this card is easy, and you can take advantage of its benefits to travel even more. Learn how to do it, step by step.

Chase Freedom Flex℠: a card for cash back maximizers

This is one of the best rewards credit cards for people who want to maximize their cash back. It offers 5% cash back on rotating categories and on travel purchased through Chase Ultimate Rewards®.

It also offers 3% back on drugstore purchases and restaurants, besides an unlimited 1% on all other purchases. Learn more about this card in the link below.

Chase Freedom Flex℠
Credit score requiredGood – Excellent
Welcome bonus$200 bonus after spending $500 on purchases within the first 3 months from account opening
0% intro APR for the first 15 months
Annual fee$0
Rewards5% cash back quarterly on up to $1,500 in combined purchases in bonus categories
5% on travel purchased through Chase Ultimate Rewards®
3% on drugstore purchases and restaurants
1% on all other purchases
Other perksCredit monitoring and real-time alerts through Chase Credit Journey
APR16.49% to 25.24% variable APR
Chase Freedom Flex℠ credit card

Chase Freedom Flex℠ credit card application

Chase has some excellent credit cards, and the Chase Freedom Flex℠ credit card is one of them. If you need a new card, read this post to see how to apply for it.

Citi Custom Cash℠ Card: a card for practical cash back hoarders

Forget about rotating categories. How about a card that adapts to your spending habits and maximizes your rewards according to how you spend. Terms apply. This is a low-maintenance card with a nice introductory offer. 

Citi Custom Cash℠ Card
Credit score requiredGood – Excellent
Welcome bonus$200 bonus after spending $750 on purchases within the first 3 months from account opening
0% intro APR for the first 15 months
Annual fee$0
Rewards5% cash back in your top spending categories up to the first $500 you spend in each billing cycle. Get 1% on all other purchases after exceeding the first $500.
1% on all other purchases
Other perksN/A
APR16.24% to 26.24% based on creditworthiness

Blue Cash Preferred® Card from American Express: a cash-back card for the household

This card is one of the best rewards credit cards for families. It offers rewards on some of the most common expenses in every household.

Get 6% cash back on supermarkets on up to $6,000 a year in purchases. Get the same percentage on select U.S. streaming subscriptions, 3% at gas stations and taxi rides, parking lots, tolls, and other transit. 

Blue Cash Preferred® Card from American Express
Credit score requiredGood – Excellent
Welcome bonus$350 statement credit after spending $3,000 within the first 6 months from account opening
$0 intro plan fees when using Plan It® to split up large purchases for the first 12 months
0% intro APR for the first 12 months
Annual fee$95
Rewards6% cash back at U.S. supermarkets on up to $6,000 a year (1% from then on)
6% back on select U.S. streaming services
3% back at U.S. gas stations and on transit
1% back on all other purchases
Other perksN/A
APR16.24% to 27.24% based on creditworthiness

Capital One SavorOne Cash Rewards Credit Card: a card for frequent restaurant goers

If you like eating at restaurants, going to movie theaters and even watching popular series at home, this is one of the best rewards credit cards for you.

It offers unlimited 3% cash back on dining, entertainment, popular streaming services, not to mention grocery stores. 

Capital One Venture Cash Rewards Credit Card
Credit score requiredGood – Excellent
Welcome bonus$200 cash bonus after the first $500 you spend within the first 3 months from account opening
0% intro APR for the first 15 months
Annual fee$0
RewardsUnlimited 3% cash back on dining, entertainment, streaming services, and grocery stores (except Walmart® and Target®)
Unlimited 5% cash back on hotels and rental cars booking through Capital One Travel. Terms apply
8% cash back on every Capital One entertainment purchase you make as well as tickets at Vivid seats
1% cash back on all other purchases
Other perksN/A
APR16.49% to 26.49% based on creditworthiness

Chase Sapphire Preferred® Card: a travel card for travel maximizers

This is one of the best rewards credit cards when it comes to value per point and flexibility. In addition, it offers airline transfer rewards and hotel loyalty programs. 

Capital One SavorOne Cash Rewards Credit Card
Credit score requiredGood – Excellent
Welcome bonus60,000 bonus points (worth 750 through Chase Ultimate Rewards) after spending $4,000 within the first 3 months from account opening
Annual fee$95
Rewards5X points on purchases made through Chase Ultimate Rewards
3X points on dining
2X on other travel purchases
Other perksTrip Cancellation/Interruption Insurance
Auto Rental Collision Damage Waiver
Lost Luggage Insurance
APR17.49% to 24.49% based on creditworthiness

Wells Fargo Active Cash® Card: a cashback card for simplicity with perks

This is one of the best rewards credit cards if you like to keep it simple. Get a flat 2% cash back on every purchase you make. No bonus categories to track, plus $0 annual fee, benefits in hotels and cell phone protection.

Capital One SavorOne Cash Rewards Credit Card
Credit score requiredGood – Excellent
Welcome bonus$200 cash bonus after the first $1,000 you spend within the first 3 months from account opening
0% introductory APR for the first 15 months
Annual fee$0
Rewards2% unlimited cash back on every purchase
Other perksPremium benefits at select hotels with Visa Signature Concierge
Up to $600 of cell phone damage or theft protection by paying your cell phone bill with this card
APR17.24%, 22.24% or 27.24% variable APR
chase sapphire preferred credit card

How to apply for Chase Sapphire Preferred

Apply today for the Chase Sapphire Preferred credit card and become eligible for amazing travel benefits.

A good credit score will grant you the best rewards credit cards

As you can see, the best cards are designed for the best credit scores. Credit cards with many benefits and special perks will usually cost a little more and ask for an excellent credit score.

If you dream about having a premium travel credit card, but your credit score is not that great yet, you can work on it. Read the following post to get some excellent tips. If you follow them and work towards your goal, you’ll get a strong credit score!

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5 ways to improve your credit score

Having a strong credit score can help you in many ways. If you need some help to build or rebuild yours, you can count on The Post New.

About the author  /  Danilo Pereira

Danilo is a copywriter with a passion for learning. Deeply interested in philosophy, politics and arts.

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