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

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Credit Card Reviews

Student

Travel

Bank of America® Unlimited Cash Rewards Secured review: A generous flat-rate cash back secured card

If you need to build credit, consider the Bank of America Unlimited Cash Rewards Secured due to its generous rewards with no annual fee.

Read full review

Bank of America® Customized Cash Rewards Secured review: Build credit and earn cash back, your way

The Bank of America Customized Cash Rewards Secured lets users build credit with up to 3 percent back in rewards and no annual fee.

Read full review

United Club℠ Infinite Card review

Generous travel-related perks and rewards, but wrapped in a high annual fee.

Read full review

Divvy Business Card review: Regular payoffs pay off

Divvy Business Card Overview Boasting a unique rewards program that gets you extra points when you pay off your bill more than once per month, the Divvy Business Card could be a solid rewards option for [...]

Read full review

IHG® Rewards Club Premier Credit Card review

IHG® Rewards Club Premier Credit Card Overview If you’re looking for an IHG credit card and do enough traveling to justify an annual fee after the first year, the IHG® Rewards Club Premier Credit Card [...]

Read full review

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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.

Credit cards

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

Debit vs. credit: What’s the best way to pay?

Amex Gold benefits guide

Is the Wells Fargo Platinum Card worth it?

Is the Amex Gold worth it?

What is a balance transfer credit card and how does it work?

How to choose a balance transfer credit card

Best credit cards for travel insurance

Which rewards credit card is best for me?

Latest Articles

Debit vs. credit: What’s the best way to pay?

Amex Gold benefits guide

Is the Wells Fargo Platinum Card worth it?

Is the Amex Gold worth it?

Cash back vs. points and miles credit cards

What debts can you transfer to a credit card?

What happens to your credit card after a balance transfer?

Types of rewards credit cards

What is a balance transfer credit card and how does it work?

How do travel credit cards work?

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