Credit cards

Compare top offers by category. Read our expert reviews and recommendations. Feel confident when you apply.

Bankrate's featured credit cards for January 2022

Here are some of our most popular credit card offers this month. Whether you are interested in a lower interest rate, travel rewards, cash back or other perks, we can help you find the right credit card from our partners. Compare your favorite offers and apply simply and securely.

Best for sign-up bonus

Chase Freedom Unlimited®

Apply Now On Chase's secure website

Recommended Credit Score: Good to Excellent (670 - 850)

Features

Rewards Rate:: Enjoy 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service 1.5% on all other purchases
Welcome Offer:: Intro Offer: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
Regular APR:: 14.99% - 23.74% Variable
Purchase Intro APR:: 0% Intro APR on Purchases for 15 months
Balance Transfer Intro APR:: 0% Intro APR on Balance Transfers for 15 months
Annual Fee:: $0

Bankrate's View

Card Details

Intro Offer: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
Enjoy 6.5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
After your first year or $20,000 spent, enjoy 5% cash back on Chase travel purchased through Ultimate Rewards®, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 14.99% - 23.74%.
No annual fee – You won’t have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.

Best for 2% cash rewards

Wells Fargo Active Cash℠ Card

Apply Now On Wells Fargo's secure website

Recommended Credit Score: Good to Excellent (670 - 850)

Features

Rewards Rate:: Earn unlimited 2% cash rewards on purchases
Welcome Offer:: Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months
Regular APR:: 14.99%-24.99% Variable APR
Purchase Intro APR:: 0% intro APR for 15 months from account opening
Balance Transfer Intro APR:: 0% intro APR for 15 months from account opening on qualifying balance transfers
Annual Fee:: $0

Bankrate's View

Card Details

Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months
Earn unlimited 2% cash rewards on purchases
0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 14.99% to 24.99% variable APR; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5
$0 annual fee
No category restrictions or sign ups and cash rewards don't expire as long as your account remains open
Enjoy a premium collection of benefits at a selection of the world's most intriguing and prestigious hotel properties with Visa Signature Concierge
Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Active Cash℠ Card
Select "Apply Now" to learn more about the product features, terms and conditions

BEST BALANCE TRANSFER CARD WITH REWARDS

Discover it® Balance Transfer

Apply Now On Discover's secure website

Recommended Credit Score: Good to Excellent (670 - 850)

Features

Rewards Rate:: Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Earn unlimited 1% cash back on all other purchases - automatically.
Welcome Offer:: Intro Offer: Unlimited Cashback Match - only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
Regular APR:: 11.99% - 22.99% Variable
Purchase Intro APR:: 0% for 6 months
Balance Transfer Intro APR:: 0% for 18 months
Annual Fee:: $0

Bankrate's View

Card Details

Intro Offer: Unlimited Cashback Match - only from Discover. Discover will automatically match all the cash back you've earned at the end of your first year! There's no minimum spending or maximum rewards. You could turn $150 cash back into $300.
Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
Redeem cash back any amount, any time. Rewards never expire.
Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
No annual fee.
Discover is accepted nationwide by 99% of the places that take credit cards.
Click "Apply Now" to see rewards, FICO® Credit Score terms, Cashback Match™ details & other information.

Credit Card Calculators

Credit Card Payoff Calculator

How long it will take to pay off your balance.
How much you'll pay in interest over time.

Start a calculation

Balance Transfer Calculator

How long it will take to pay off your balance with a transfer.
How much you'll pay in transfer fees.
How 0% APR offers can help you avoid paying interest.

Start a calculation

More Calculators

Credit Card Reviews

Student

Travel

Delta SkyMiles® Reserve American Express Card review

The Delta Reserve delivers top Delta benefits, but the cost to maximize it excludes many cardholders.

Read full review

Mastercard® Gold Card™ review

A luxurious card and exclusive travel benefits come with a hefty annual fee.

Read full review

The Platinum Card® from American Express review: Unparalleled potential value, but at a premium

The Platinum Card cements its’ best-in-class status with more elite rewards and benefits for travelers than ever before, but at a higher price.

Read full review

American Express® Gold Card review: The foodie gold standard

One of the premier cards for dining rewards and the best for foodies in Amex’s elite card portfolio.

Read full review

Bank of America® Customized Cash Rewards credit card review: Unique rewards flexibility, but watch your spending

A solid one-size-fits-all rewards card if you don’t mind spending limits on rewards.

Read full review

Editor's Picks

Guide to Apple Card

6 min read

What does 0% APR mean?

7 min read

How long does it take to get a credit card?

5 min read

What’s a good APR for a credit card?

4 min read

How to do a balance transfer with American Express

4 min read

What credit score do you start with?

Credit Cards

5 min read

Premium credit card comparison: Chase Sapphire Reserve vs. Citi Prestige vs. Amex Platinum

Credit Cards

10 min read

What is considered a bad credit score?

Credit Cards

5 min read

Latest Articles

The coin shortage isn’t over yet

The coin shortage in the U.S. continues to be an inconvenience for many.

4 min read Jan 21, 2022
Why I’m signing up for the Capital One Venture X

The Venture X allows frequent travelers on a budget to get into the premium travel card space.

4 min read Jan 21, 2022
Guide to Apple Card

Everything you need to know, from requirements to how to use Apple Pay.

6 min read Jan 21, 2022
Discover it Cash Back vs. Discover it chrome

The best card depends on your spending habits and personal preferences.

8 min read Jan 21, 2022
How does cash back work?

Learn about different types of cash back cards, how to use your rewards and more.

8 min read Jan 21, 2022
What does 0% APR mean?

Zero percent APR offers provide an attractive way to buy now and pay later.

7 min read Jan 21, 2022
What is APR on a credit card?

APR stands for annual percentage rate, which means interest on a credit account.

4 min read Jan 21, 2022
A beginner’s guide to credit card points

Here’s everything you need to know about credit card points: how to earn them, how to redeem them and how to maximize their value to get the most for your spending.

5 min read Jan 21, 2022
How long does it take to get a credit card?

Learn how long credit card approval takes, including when your card may arrive in the mail.

5 min read Jan 21, 2022
What’s a good APR for a credit card?

Cards with an APR at or below the national average is ideal, but a good APR for you will depend on your credit score.

4 min read Jan 21, 2022

Editorial Disclosure: Opinions expressed here are the author’s alone, and have not been reviewed or approved by any advertiser. The information, including card rates and fees, is accurate as of the publish date. All products or services are presented without warranty. Check the bank’s website for the most current information.

Card Type

Card Issuer

Credit Type

Bankrate's featured credit cards for January 2022

Best for sign-up bonus

Chase Freedom Unlimited®

Best for 2% cash rewards

Wells Fargo Active Cash℠ Card

BEST BALANCE TRANSFER CARD WITH REWARDS

Discover it® Balance Transfer

Credit Card Calculators

Credit Card Payoff Calculator

Balance Transfer Calculator

More Calculators

Credit Card Reviews

Editor's Picks

Latest Articles

The trusted source for financial information, used by