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Best Credit Cards for August 2022

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Synchrony Premier World Mastercard®

On Synchrony's secure site
Rewards Rate
2% cash back* on every purchase--no categories, tiers, or limits--no kidding.
Mastercard Benefits
Plus, you'll also gain access to additional key benefits like identity theft protection, money-saving discounts, and concierge travel planning support.
Seamless Cashback
Use your Synchrony Premier card on everything from gas and groceries to your next splurge with the confidence that comes from getting great rewards without complex math or shifting reward limits.
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U.S. Bank Cash+® Visa Signature® Card

On U.S. Bank's secure site
Rewards Rate
5% cash back on your first $2,000 in combined eligible purchases each quarter on two categories you choose, 5% cash back on prepaid air, hotel and car reservations booked directly in the Rewards Travel Center, 2% cash back on one everyday category, like Gas Stations/EV Charging Stations, Grocery Stores or Restaurants, 1% cash back on all other eligible purchases
Welcome Offer
New! $200 bonus after spending $1,000 in eligible purchases within the first 120 days of account opening.
0% Intro APR
0% Intro APR on purchases and balance transfers for the first 15 billing cycles. After that, a variable APR currently 16.74% - 26.74%.
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Earn an additional 1.5% cash back your first year

Chase Freedom Unlimited®

On Chase's secure site
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, and 1.5% on all other purchases
Welcome Offer
Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Ultimate Rewards®, 4.5% on dining and drugstores, and 3% on all other purchases.
0% Intro APR
Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.49% - 25.24%.
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Wells Fargo Active Cash® Card

On Wells Fargo's secure site
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
0% Intro APR
0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 17.24%, 22.24%, or 27.24% variable APR
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5% cash back on purchases in your top eligible spend category

Citi Custom Cash Card

On Citi's secure site
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. Also, earn unlimited 1% cash back on all other purchases.
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.
Intro APR
0% Intro APR on Balance Transfers and Purchases for 15 months.
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0% APR for 15 months on purchases from the date of account opening

Blue Cash Everyday® Card from American Express

On American Express's secure site
Terms Apply
Rewards Rate
3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%; 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%; 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%
Welcome Offer
Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
Intro Purchase APR
0% for 15 months on purchases from the date of account opening, then a variable rate, 16.24% to 27.24%
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U.S. Bank Altitude® Go Visa Signature® Card

On U.S. Bank's secure site
Rewards Rate
4X points on dining, takeout, and restaurant delivery, 2X points on streaming services. Plus, a $15 credit for annual streaming purchases like Netflix, Hulu, Spotify®, Apple Music, Disney+, HBO Max and more! 2X points at grocery stores, grocery delivery, gas stations, and EV charging stations, 1X point on all other eligible purchases.
Welcome Offer
Earn 20,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening. That's a $200 value redeemable towards merchandise, gift cards, cash back, travel and more.
0% Intro APR
0% Intro APR on purchases and balance transfers for the first 12 billing cycles. After that, a variable APR applies, currently 17.24% - 26.24% (Variable).
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6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases

Blue Cash Preferred® Card from American Express

On American Express's secure site
Terms Apply
Rewards Rate
6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%), 6% Cash Back on select U.S. streaming subscriptions, 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more) , 1% Cash Back on other eligible purchases
Welcome Offer
Earn a $350 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
Intro Purchase APR
0% intro APR for 12 months on purchases from the date of account opening, then a variable rate, 16.24% to 26.24%
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SoFi Credit Card

On SoFi's secure site
Rewards Rate
Earn up to 3% cash back rewards for a year, earn unlimited 2% cash back rewards thereafter
Welcome Offer
Earn up to $200 when you fund an Invest account as well as a Checking and Savings account after getting approved for the SoFi Credit Card (See Terms)
Other Perks
Access World Elite Mastercard® perks such as cell phone insurance coverage up to $1,000 and monthly Lyft credit
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0% Intro APR for 21 months on balance transfers from date of first transfer

Citi® Diamond Preferred® Card

On Citi's secure site
0% Intro Balance Transfer APR
0% Intro APR for 21 months on balance transfers from date of first transfer
0% Intro Purchase APR
0% Intro APR for 12 months on purchases from date of account opening
Citi Entertainment®
With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more
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Wells Fargo Reflect® Card

On Wells Fargo's secure site
Intro APR
0% intro APR for up to 18 months from account opening on purchases and qualifying balance transfers
Regular APR
15.24% - 27.24% variable APR
Extra Perks
$0 annual fee and up to $600 of cell phone protection
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No Late Fees, No Penalty Rate, and No Annual Fee

Citi Simplicity® Card

On Citi's secure site
Intro Purchase APR
0% Intro APR for 12 months on purchases from date of account opening
Goodbye to Fees
No Late Fees, No Penalty Rate, and No Annual Fee
Intro Balance Transfer APR
0% Intro APR for 21 months on balance transfers from date of first transfer
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BestCreditCard’s Criteria for a Top Rated Credit Card

A strong credit card is a must to maximize personal finance. But with all the different rewards systems and quirks, how do you select the best card for you? When it comes to credit cards, there is no one size fits all policy. Depending on your financial history and spending patterns, there will be certain cards that just make more sense to apply for. The cards above are a list of some of the most well known and sought after cards in the industry. While they are all unique in their own ways, they do share features that make them an ideal choice for many.

BestCreditCard’s Free Personalized Credit Card Recommendations

To get a truly personalized credit card recommendation, you can sign up for a free BestCreditCard account. Simply securely link your bank and credit card translation data via Plaid (the same system used by Venmo and Acorns), BestCreditCard’s AI will calculate the rewards value you would earn in the first year after opening a card. We’ve done the hard work of calculating rewards value, redemption rates, welcome bonuses and more. When you securely provide your transaction data, BestCreditCard’s AI calculates your annual value for hundreds of credit cards. You can then compare cards by a quantified value estimate -- like: $742 vs $489. It takes one minute and you’ll be sure you’re getting the best card for how you spend.

One of the most important aspects of a credit card is its rewards system, which most of the above cards offer. There are many forms of rewards (cash back, travel, dining etc.). You also have the option to choose between tiered and fixed reward cards. Therefore, it is critical to understand what type of purchases you most often make so that you can make the most of your purchases. If you don’t want to do all this work manually yourself, you can simply make a free BestCreditCard account.

If You Are New To Credit

If you are just getting started with credit cards, it’s likely you will want to focus primarily on building your credit. If this sounds like you, then consider credit cards for Limited / No Credit or Student Cards if you’re still in school. You can still start earning rewards with these cards.

The Balance Between Low APR with Rewards

Another motivation for seeking out a card is to save on interest. This is common for those who are looking to make a big purchase or want to conduct a balance transfer without paying a higher interest rate. In such instances, it is best to look out for cards with a 0% APR introductory offer or balance transfer cards. Low interest should be considered hand-in-hand with rewards rates since a stronger rewards program often comes with higher APR.

Are Annual Fees Worth It?

Annual fee is an important component of many cards. Some reward cards have no annual fees and others carry annual fees but may still be justified due to the benefits they offer. It’s not necessarily the card with no fees that will be your most rewarding. BestCreditCard’s AI balances these factors when it makes the recommendation to you. If you are researching, note your spending patterns -- particularly how much you spend on your card each year -- as it will most greatly impact if paying a fee is worth it. We recommend looking into cards both with and without annual fees.

Considerations

Apart from the various benefits offered by credit cards, you should also consider how they can help you in the future. For instance, if you are a student and are looking for a student card, you should ideally look for one that will help you upgrade to a better commercial card once you graduate.

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General Disclaimer
The card offers that appear on this site are from companies from which BestCreditCard receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). BestCreditCard does not include all card companies or all card offers available in the marketplace.
Editorial Disclaimer
All content is written by editorial staff or writers engaged by the site, not by marketers/sales staff. Editors responsible for producing the content are not in contact or affiliated with any advertiser and are not compensated based on success of the affiliate links. All decisions regarding recommendations are determined separately from advertising relationships. Any opinions, analyses, reviews or recommendations expressed are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.
Approval Odds
BestCreditCard calculates your approval odds by comparing your credit profile to other BestCreditCard members who were approved for this product. These approval odds are estimates only and do not guarantee approval. Credit card issuers use a variety of different types of credit scores and criteria to make credit decisions. The TransUnion credit score we provide is based on the VantageScore 3.0 model and may not be the credit scoring model used by financial institutions presenting offers on our website.