The listings featured on this site are from companies from which this site receives compensation. This influences where, how and in what order such listings appear on this site.
Last updatedMay 2022

Best Credit Card Companies May 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
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
Check this card
6.3BestMoney Score
2
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
6.8BestMoney Score
3
SoFi
Apply Now
on SOFI’s application
SoFi
  • Rewards Rate: 2% cash back when you redeem to save, invest, or pay off an eligible SoFi loan
  • Welcome Offer: Earn up to $100 when you open & fund a SoFi Money account and $50 when you open & fund a SoFi Invest account once approved for the SoFi Credit Card
  • Balance Transfer intro APR: None
  • Purchase intro APR: None
Recommended Credit Score:
670+
Annual Fee:
$0
Regular APR:
12.99% – 24.99%
Check this card
6.6BestMoney Score
4
Aspiration Zero Card
Apply Now
on Aspiration brand’s application
Aspiration Zero Card
  • Rewards Rate: 0.5% cash back on all purchases and 1% cash back every month you go carbon neutral
  • Welcome Offer: Earn a $300 bonus after $3000 in spend within the first 90 days of account opening
  • Balance Transfer intro APR: N/A
  • Purchase intro APR: N/A
Recommended Credit Score:
670+
Annual Fee:
$60
Regular APR:
11.65% - 21.45%
Check this card
6.2BestMoney Score
5
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%
Check this card
6.7BestMoney 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
Check this card
6.4BestMoney Score
7
PenFed Gold
Apply Now
on PenFed’s application
PenFed Gold
  • Rewards Rate: N/A
  • Welcome Offer: Earn a $100 Bonus Offer Statement Credit when you spend $1,500 in first 90 days
  • Balance Transfer intro APR: N/A
  • Purchase intro APR: N/A
Recommended Credit Score:
680+ (good to excellent)
Annual Fee:
$0
Regular APR:
7.49% - 17.99%
Check this card
6.5BestMoney Score
8
Power Cash Rewards Visa Signature® Card
Apply Now
on PenFed’s application
Power Cash Rewards Visa Signature® Card
  • Rewards Rate: 1.5% cash back and 2% cashback as an Honors Advantage member
  • Welcome Offer: 100 Bonus Offer Statement Credit when you spend $1,500 in the first 90 days
  • Balance Transfer intro APR: N/A
  • Purchase intro APR: None
Recommended Credit Score:
680+ (good to excellent)
Annual Fee:
$0
Regular APR:
14.99% - 17.99%
Check this card
6.5BestMoney Score
9
PenFed Pathfinder
Apply Now
on PenFed’s application
PenFed Pathfinder
  • Rewards Rate: Earn 4x points on travel for PenFed Honors Advantage Members,† 3x points on travel for everyone else and 1.5x points on all other purchases²
  • Welcome Offer: 50,000 Bonus Points when you spend $3000 in the first 90 days**
  • Balance Transfer intro APR: N/A
  • Purchase intro APR: N/A
Recommended Credit Score:
680+ (good to excellent)
Annual Fee:
$95 (waived for existing Honor Advantage Memebers)†*
Regular APR:
14.99% - 17.99%¹
Check this card
6.4BestMoney Score
10
BlockFi
Apply Now
on BlockFi’s application
BlockFi
  • Rewards Rate: 2% cash back in bitcoin on every purchase over $50K of annual spend. Rewards rate increases from 1.5% - 2% after $50K of spend has been achieved and resets on the card anniversary date every year
  • Welcome Offer: Earn 2.5% bitcoin rewards on all purchases in the first 90 days of card ownership, yp to $100 in bitcoin
  • Balance Transfer intro APR: None
  • Purchase intro APR: None
Recommended Credit Score:
680+ (good to excellent)
Annual Fee:
$0
Regular APR:
11.74% - 21.74%
Check this card
6.0BestMoney Score
11
Sable Bank Account And Debit Mastercard®
Apply Now
on Sable’s application
Sable Bank Account And Debit Mastercard®
  • Rewards Rate: 1% cash back on purchases at Amazon, Netflix, Spotify, Hulu, Uber, Uber Eats, and Whole Foods. Get $25 when your build your credit score to 700+ within the first 12 months
  • 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
Check this card
5.5BestMoney Score
BestMoney Total Score

Our product scores consist of a combination of the following 3 components:

TrustPilot Score

Click Trend

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 Credit Card Reward Programs?

A credit card reward program offers consumers more than just a line of credit. They offer the chance to earn cash, points, or miles for every dollar you spend. Each rewards program has its own set of rules and redemption process, but a rewards credit card can be advantageous over just using a debit or non-rewards credit card. 

Types of Reward Programs

Depending on the type of card you have, you can earn rewards at a flat rate for every purchase or you can earn a bonus amount of rewards on select spending categories. Most cards allow you to convert your rewards into another type of reward. For example, you might be able to convert your travel rewards into redeemable cash.

There are three types of credit card reward programs: cash back, points earned, or travel rewards. Here’s a better look at each type. 

  • Cash Rewards: Several cash back credit cards allow users to earn about 1% cashback for all purchases made. This is a nice bonus for spending you were planning to do anyway. Some cards have bonus cash back offers for certain spending categories or stores. Cashback credit cards are the easiest to understand because you know upfront what you are earning and can convert your cash back reward into a bank credit or payment statement. 
  • Points Rewards: Other cards assign point values to spending categories and allow users to redeem points towards cash, gift cards, or travel opportunities. Typically points credit cards earn one point for every $1 spent, but they are worth one cent each.
  • Travel Rewards: Travel reward credit cards will help your reward redemption go the farthest in means of traveling. Travel reward cards can be redeemed for free hotel stays or flights and many times come with other travel perks such as added travel insurance. Travel reward credit cards generally earn more perks the more users spend on travel.

Things to look out for

Credit reward programs sound like a dream come true. You are going to spend the money anyways on daily living expenses, so why not get rewarded for it? True, reward credit cards come with their perks, but they also come with a few precautions. Here are a few things to know before signing up for your next reward credit card.

  • APR: Some reward credit cards have a high APR which can be costly if you plan to carry a balance. Many times paying interest on purchases will negate any rewards earned. If you cannot pay off your credit card balance each month, consider a lower APR card instead. 
  • Annual Fee: Some reward credit cards are free to use after a user has been approved and others have an annual fee. Many cards set their annual fee at $95-99, but some cards charge more. Cards with an annual fee shouldn’t be dismissed altogether, though. Some cards with a fee will earn you more rewards than a free rewards credit card. 
  • Reward partners and redemption: It is good to know how you can redeem your points before signing up for a card. If your card is attached to a specific line of hotels and points can’t be transferred elsewhere, you are limited on your reward choices. Sometimes a card will offer one-to-one point transfer ratios to partner companies to make your rewards go farther.

How to Pick the Right Rewards Card


Look at Your Spending

The best rewards credit card for you is the one that will give you the maximum amount of reward for your spending lifestyle. Take a look at what you typically spend your money on each month. Do you spend more on gas and dining out? Look for a rewards card that gives you extra cash back or points back in those areas. Do you travel a lot for business? A travel rewards card might be better suited for your spending. 

Look at How You Want to Redeem Your Rewards

Along with maximizing your reward card spending, pick a card with an easy-to-use reward redemption program. If you are busy and don’t want to hassle with point conversions, then a flat-rate cash back card might be better suited for your needs. However, if you like to spend time researching the best ways possible to maximize credit card points for free travel, then a travel credit card connected to several travel partners might be your best choice. 

Look for Cards With the Best Sign-on Promotions

If you have excellent credit, you can take advantage of sign-on bonuses with reward credit cards. Many cards will offer a sign-on bonus for new users with either a 0% APR promotional time period or extra bonus rewards for hitting a spending limit in the first few months. Some cards offer both. Utilizing these sign-on promotions can boost your credit card rewards quickly in the first few months.