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Last updatedMay 2022

Best Credit Card Offers 2022

What kind of perks are you looking for?

The perfect credit card is the one that helps you achieve your goals. From credit-building to earning rewards, we have a card for everyone. Find yours today.

What type of card are you looking for?
1
Citi Custom Cash℠ Card
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on creditcards.com site
Citi Custom Cash℠ Card
  • Rewards Rate: Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter
  • Welcome Offer: Earn $200 in cash back after you spend $750 on purchases in the first 3 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back
  • Balance Transfer intro APR: 0% APR on balance transfers for 15 months
  • Purchase intro APR: 0% APR on purchases for 15 months
Recommended Credit Score:
670+
Annual Fee:
$0
Regular APR:
14.74% - 24.74% (variable)
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5.9BestMoney Score
2
Chime Credit Builder Visa® Credit Card
Apply Now
on Chime Bank’s application
Chime Credit Builder Visa® Credit Card
  • Rewards Rate: None
  • Welcome Offer: None
  • Balance Transfer intro APR: None
  • Purchase intro APR: None
Recommended Credit Score:
No minimum credit score
Annual Fee:
$0
Regular APR:
None
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9.3BestMoney Score
3
Citi® Double Cash Card
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on creditcards.com site
Citi® Double Cash Card
  • Rewards Rate: Earn 2% cash back on purchases, with 1% cash back when you buy, plus an additional 1% as you pay for those purchases
  • Welcome Offer: None
  • Balance Transfer intro APR: 0% APR on balance transfers for 18 months
  • Purchase intro APR: None
Recommended Credit Score:
700
Annual Fee:
$0
Regular APR:
14.74% - 24.74% (variable)
Check this card
5.5BestMoney Score
4
Upgrade Triple Cash Rewards Visa®
Apply Now
on Upgrade’s application
Upgrade Triple Cash Rewards Visa®
  • Rewards Rate: 3% cash back on Home, Auto and Health categories and 1% cash back on other purchases
  • Welcome Offer: Earn a $200 bonus on your Upgrade Card after opening a Rewards Checking account and making 3 debit card transactions*
  • Balance Transfer intro APR: None
  • Purchase intro APR: None
Recommended Credit Score:
620
Annual Fee:
$0
Regular APR:
8.99% - 29.99%
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8.3BestMoney Score
5
Upgrade Visa® Card with Cash Rewards
Apply Now
on Upgrade’s application
Upgrade Visa® Card with Cash Rewards
  • Rewards Rate: 1.50% cash back on payments¹
  • Welcome Offer: Earn a $200 bonus on your Upgrade Card after opening a Rewards Checking account and making 3 debit card transactions*
  • Balance Transfer intro APR: None
  • Purchase intro APR: None
Recommended Credit Score:
580
Annual Fee:
$0
Regular APR:
8.99% - 29.99%
Check this card
8.1BestMoney Score
6
Varo Believe
Apply Now
on VaroMoney’s application
Varo Believe
  • Rewards Rate: None
  • Welcome Offer: None
  • Balance Transfer intro APR: None
  • Purchase intro APR: None
Recommended Credit Score:
No minimum credit score
Annual Fee:
$0
Regular APR:
None
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8.4BestMoney Score
7
Citi® Secured Mastercard®
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on creditcards.com site
Citi® Secured Mastercard®
  • Rewards Rate: N/A
  • Welcome Offer: N/A
  • Balance Transfer intro APR: N/A
  • Purchase intro APR: N/A
Recommended Credit Score:
No minimum credit score
Annual Fee:
$0
Regular APR:
23.24% (variable)
Check this card
7.1BestMoney Score
8
Petal 1
Apply Now
on Petal’s application
Petal 1
  • Rewards Rate: 2%-10% cash back at select merchants
  • Welcome Offer: None
  • Balance Transfer intro APR: None
  • Purchase intro APR: None
Recommended Credit Score:
No minimum credit score
Annual Fee:
$0
Regular APR:
20.24% - 29.74% (variable)
Check this card
8.2BestMoney Score
9
Petal 2
Apply Now
on Petal’s application
Petal 2
  • Rewards Rate: 1% cash back right away and earn up to 1.5% after 12 on-time payments. 2%-10% cash back at select merchants
  • Welcome Offer: None
  • Balance Transfer intro APR: None
  • Purchase intro APR: None
Recommended Credit Score:
No minimum credit score
Annual Fee:
$0
Regular APR:
13.24% - 27.24% (variable)
Check this card
7.1BestMoney Score
BestMoney Total Score

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TrustPilot Score

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Products & Features

Trustpilot is a trusted third-party consumer review website open to anyone looking to share a business review. The BestMoney Total Score will consist of the brand’s score on TrustPilot. If a brand does not have a TrustPilot score, the BestMoney Total Score will be based solely on the Click Trend Score and Products & Services Score (read below).

What are some types of credit cards?

  • Balance transfer cards are those that encourage the consolidation of one or more balances from other cards. Balance transfer cards may offer low or even zero interest for a period of time as an incentive.
  • Low interest rate cards may offer a very low or 0% interest for an introductory period and then a low interest rate thereafter. These cards are best for those cardholders who carry a balance on their card.
  • Credit builder cards - cards for those with poor or bad credit are those that will accept applicants with lower credit scores. The definition of a low credit score will vary among card issuers. These cards can help the cardholder rebuild their credit score. The interest rate on these cards, as well as other terms, may be less favorable than for cards for borrowers with good credit scores.
  • Rewards cards are credit cards that offer rewards for purchases in the form of cash back or travel rewards. As long as the other terms and conditions of the card are favorable to you, these cards can be advantageous.

Balance Transfer Pros & Cons 

Pro: You could save money

Balance transfer credit cards could save you money on interest payments if you transfer debt from a source with a higher interest rate to a card offering a lower interest rate and you pay off the debt quickly. 

Keep in mind, balance transfer credit cards offering introductory 0% APRs only do so for a limited time. If you can’t pay off the debt balance before the introductory period expires, understand what interest rate will get charged down the road.

Don’t forget to account for balance transfer fees when calculating whether you’ll save money. These fees get charged upfront and can be hefty.

Pro: Can consolidate your debt to a single card

A balance transfer credit card could allow you to move all of your debt to a single card, assuming your approved credit limit is high enough. This can make it easier for you to keep track of the monthly payments. Avoiding missed payments by doing this could help improve your credit score as long as your credit utilization on your new card doesn’t get too high.

Con: You may be digging yourself deeper into debt

Balance transfer credit cards can help tremendously if you pay off the debt quickly and don’t incur any new debt. Unfortunately, many people see the 0 balance on their old credit card as an opportunity to spend more money. If you transfer a balance and then run up the balance on your old credit card again, you just dig yourself deeper into debt.

Con: Lenders won’t let you transfer balances from their other products

Lenders don’t want to lose money on balance transfer credit card offers. For this reason, lenders typically won’t allow you to transfer a debt balance from their bank to a balance transfer credit card they issue. For instance, you can’t move a balance from your Chase Sapphire Preferred credit card to your Chase Slate credit card.

Con: Your new credit limit may not be high enough

When you apply for a credit card, you may not get approved for the credit limit you desire. You may apply for a balance transfer offer and only get approved for a $5,000 credit limit. If you planned to transfer $10,000 of other credit card debt, you end up maxing out the new credit card with the balance transfer and still have $5,000 of debt on the old card.

How to Pick the Right Balance Transfer Card

Picking the right card for your situation requires you to examine a few key factors. 

First, you want to have a good shot of getting approved for the card. Look for cards that typically approve people with your current credit score.

Next, make sure the credit card you’re applying for will allow you to transfer the balance you want to move. Some banks don’t allow loan transfers, while others do.

Finally, compare offers to find the card that can save you the most money. Look for long introductory 0% APR periods, low or no balance transfer fee offers, and a low regular APR after the balance transfer promotion expires.