Credit Cards

The best credit cards in the US for 2022

Today you'll find out the best credit cards in the US. That way, you can choose the one that fits your profile better and enjoy many benefits and rewards in 2022!


by Samara Villaca

02/25/2022 | Updated on 07/07/2022

Learn what are the best credit card options for you to improve your finances

Female hands with credit cards on color background
Check out our list of the best credit cards. Source: Adobe Stock.

Find out what are the best credit cards available in the US for 2022 and choose your favorite one!

So, consumers often use credit cards to make their daily purchases or to use these tools in specific situations, such as trips or shopping in supermarkets that generate rewards. This type of product is very good, but the market now offers hundreds of different options and this can leave many people confused.

The “problem” is that each consumer has a type of profile. For this reason, we have prepared an article with the best credit cards in the United States for 2022.

This way, you will be able to know which products are most outstanding in the market and the basic information of each one, which makes a big difference in time to choose a card.

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How the cards were chosen

In order to make the list with the best credit cards, the costs and benefits offered by each credit card were considered.

Costs include the annual fee, foreign currency purchase fee and other expenses, such as the welcome bonus. The benefits are related to offers, rewards or other types of benefits.

In addition, each credit card belongs to a category, and, for example, on reward cards we also take into account the points and miles program.

The evaluation criteria were also applied to the peculiarities of other types of credit cards, such as to build credit and balance transfer.

The best credit cards of 2022

Close up female hand holds levitating template mockup Bank credit card with online service isolated on green background
So, which are the best credit cards in the US for 2022? Source: Adobe Stock.

Keep reading to find out the best options for you to improve your financial life!


Citi® Double Cash Card

This is a simple credit card that guarantees you money back. You get a fixed cashback fee for every purchase made, without limits. You can also redeem your rewards as ThankYou points, which can be transferred to other mileage programs. The annual fee is $ 0. There is 2% cash money for each purchase, 1% for the payment of the purchase and 1% for paying using a credit card. He has no welcome offer.

Chase Sapphire Preferred® Card

This is the best option to start joining the Chase system.

With this credit card you earn 2 Ultima Rewards points for every dollar spent on restaurants, travel, delivery services and 1 point for every dollar spent on conventional purchases. You earn 60,000 points if you spend at least $ 4,000 in the first 3 months of use. The annual fee is $ 95.

Chase Freedom Flex℠

This card is new and is already quite famous. You can earn points for Chase Ultimate Rewards.

In addition, you receive 5% cash back on bookings made through the loyalty program, 3% in restaurants and drugstores and 1% for conventional purchases. You receive a $ 200 bonus if you spend at least $ 500 in the first 3 months of use. The annual fee is $ 0.

American Express® Gold Card

This card offers Membership Rewards points for every dollar spent in US restaurants and supermarkets, 3 points for every dollar spent on specific flights and 1 point for conventional purchases.

It has a welcome offer that guarantees 60,000 if you spend at least $ 4,000 in the first 6 months. The annual fee is $ 250.

Chase Sapphire Reserve®

This credit card allows you to earn points, but it stands out for offering insurance in case you have to cancel or your trip is interrupted, in addition to luggage insurance, rental insurance , among others. That is, it is perfect for you to enjoy traveling.

The annual fee is $ 550. You earn 3 points on Ultimate Rewards for travel and restaurant purchases and 1 points for conventional purchases.

The Platinum Card® by American Express

This is another credit card that guarantees you a luxury trip, giving you access to VIP rooms among other benefits. The points system accumulates more in spending on travel or hotel reservations. It has an annual fee of $ 550.

Cartão American Express Platinum

Application for the American Express Platinum card

The American Express Platinum is worth the price if you enjoy its benefits. You can count on membership reward points and benefits at airlines, hotels, and more.

US Bank Visa® Platinum card

This card guarantees an introductory APR period of 0% for 20 months, for balance transfer and card purchases. It has no welcome offer and its annual fee is $ 0.

Great for anyone looking to make big purchases in the introductory period.

Delta SkyMiles® Reserve American Express Card

This is the best airline credit card for its welcome bonus, which offers 40,000 bonus miles and 10,000 Medallion miles after the customer spends at least $ 3,000 on purchases in the first 3 months of use of your credit card. The annual fee is $ 550.

United Club℠ Infinite Card

This card is intended for frequent United passengers. It guarantees access to United Club VIP lounges. In addition, it gives you 4 MIleagePlus miles for every dollar spent on United purchases, 2 miles on restaurants and specific delivery services and 1 mile for conventional purchases.

The annual fee, after the $ 0 1-year introductory period, becomes $ 525.

The World of Hyatt credit card

This card is ideal for those looking for hotel benefits. It offers a free night each year for a category 1-4 hotel and a basic Hyatt room. In addition, customers receive 3 World of Hyatt points for every dollar spent on Hyatt properties and 1 point for conventional purchases. The annual fee is $ 95 and it stands out for its welcome offers.

American Express Hilton Honors Aspire Card

This credit card guarantees its holder high-level elite status in the Hilton program. This status guarantees several advantages, such as breakfast at accredited hotels, later check-out, among others.

You earn 14 points for every dollar spent at Hilton hotels and resorts and 3 Hilton Honors points for conventional purchases. In addition, the welcome offer guarantees 150,000 points if you spend at least $ 4,000 in the first 3 months of using the card. The annual fee is $ 450.

Amex EveryDay® Preferred Credit Card

This card offers several bonuses. You receive 3 Membership Rewards points for every dollar spent at up to $ 6,000 a year in supermarkets in the U.S., 2 points for every dollar at gas stations, flights or hotels that have been booked through Amex Travel and 1 point for conventional purchases. You earn 15,000 points if you spend at least $ 1,000 in the first 3 months of using the card. The annual fee is $ 95.

How to choose the best card for you

Happy optimistic young girl student holding credit card.
You have to consider some aspects before getting a credit card. Source: Adobe Stock.

In addition to these best credit cards in the US for 2022 we have listed, there are many others available on the market. So, you need to do an analysis of your financial profile and how you behave as a consumer, as this is crucial when choosing.

In addition, it is necessary to do a complete credit card analysis, check all terms, fees, values, etc. The best credit card will be the one that most benefits your pocket and fits your profile.

And if you want to learn more about finances, check out our post below about cryptocurrencies!

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A 101 guide on what is cryptocurrency

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