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Bankrate's Jane Butler discusses how we chose the Best Credit Cards of 2022
How we picked these cards
- Bankrate ranked each card’s estimated rewards rate, rewards value, sign-up bonus value, average APR, annual fee, redemption flexibility and other relevant features against those of other cards in its primary scoring category (cash back, rewards, balance transfer, etc.).
- We assigned each of these elements a score based on how it stacked up, weighted these scores based on the top priorities of a cardholder in the card's primary category and combined them to give the card an overall rating.
- We compared each card's overall rating against the ratings of all other cards in the relevant Bankrate Awards category (for example, "Everyday use" or "Jet-setters").
The Freedom Unlimited stood out for its high average rewards rate, uniquely flexible redemption options and solid sign-up bonus, which make it a top choice as a standalone no annual fee rewards card.
You've seen the best credit cards of 2022, now see how the rest stack up.