Best Credit Cards In 2022   There are several credit cards accessible to consumers and that is why it becomes tough for them to choose the best credit card. There is no such credit card that can be 'one-size-fits-all'. But there are credit cards that have different types for different types of people. Whether the users are foodies, road warriors, travelers or someone looking to build credit-all can use credit cards according to their necessity and choice. The credit cards that have been selected also offer numerous benefits like annual statement credits, discounts at select retailers, insurance, and more that can make using credit cards meaningful. To get the maximum benefit from their credit cards the users will surely want to make sure about responsible card behavior such as paying off the balance on time in full each month and avoiding over expenses and forcing the users into debt.   The Best Credit Cards In 2022   Best Cashback Credit Card   1. Chase Freedom Unlimited ®:   Rewards: 5% cashback on travel bought through Chase Unlimited ®. The premium rewards program helps users redeem rewards for cash back, travel, gift cards, and more. 3% cash back on purchases of drugs and dining at restaurants including takeout and eligible other services and 1.5% also on other purchases.   Welcome, Bonus: Additional 1.5% on everything users buy (on up to $20,000 spent in the first year)-worth up to $300 cashback. That is 6.5% on travel bought via Chase Unlimited Rewards ®, 4.5% on dining and drugstores, and 3% on other purchases.   Annual Fee: Zero   Regular APR: 14.99% to 23.74% variable.   Foreign Transaction Fee: 3% of each transaction in US Dollars.   Intro APR: 0% for the first 15 months from account opening on purchases and balance transfers.   Balance Transfer Fee: Intro fee of 3% of the amount of each transfer, whichever is greater on transfers made within 60 days of account opening. After that fee is 5% of the amount of each transfer, whichever is greater.   Pros: 1. No annual fee. 2. Rewards can be transferred to the Chase Unlimited Rewards card. 3. Generous welcome bonus. 

2. American Express ® Gold Card   Rewards: 4X membership rewards ® points at restaurants (plus takeout and delivery in the US) and US supermarkets (on up to $25,000 per calendar year on purchases, then 1X), 3X points on the reservation of flight tickets directly with airlines or amextravel.com, 1X points on other purchases.   Welcome Bonus: 60,000 membership rewards ® points after spending $4000 on eligible purchases within the first 6 months from account opening.   Annual Fee: $250   Regular APR: see pay over time APR.   Intro APR: Not applicable   Foreign Transaction Fee: None   Balance Transfer Fee: N/A   Pros: 1. Up to $120 dining credit annually for purchases made with Grubhub, seamless, and other eligible restaurants (after a one-month enrollment). 2. Up to $120 Uber cash annually for US Uber eats orders and US Uber rides (the cards must be added to the Uber app to receive the Uber cash benefit). 3. Strong rewards program with 4X points earned at restaurants and 3X points earned from flight ticket booking directly with airlines or amextravel.com. 4. Baggage insurance plan covers up to $1250 for carry-on baggage and up to $500 for checked baggage that is damaged or stolen. 5. No fee charged on purchases made outside the US.