Best Credit Cards of January 2022

We've done the research to identify the best offers of January 2022. Compare big sign-up bonuses, valuable rewards and long 0% intro APR. Get a better card today!  

Wells Fargo Active Cash℠ Card

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on Wells Fargo's secure site

 

Rated 4/5 stars by our editorial team

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3.9/5.0 from 642 Offer Ratings
Over the Past 60 Days!

(642) Over the Past 60 Days!
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Sign-up bonus: If you’re a new cardholder, you’ll earn earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months from account open.


Rewards: The rewards program for the Wells Fargo Active Cash℠ Card may look simple at first, but don’t let that fool you – if you’re a cardholder, you’ll earn unlimited 2% cash rewards on purchases. 2% unlimited is unheard-of in the world of rewards credit cards, so this card is absolutely not one to miss.


Intro purchase APR: 0% intro APR for 15 months from account opening on purchases, then 14.99%-24.99% (Variable) APR.


Annual fee: $0

Citi Custom Cash℠ Card

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on Citibank's secure site

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Rated 5/5 stars by our editorial team

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4.2/5.0 from 261 Offer Ratings
Over the Past 60 Days!

(261) Over the Past 60 Days!
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Sign-up bonus: 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.


Rewards: 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.


Intro purchase APR: 0% intro APR for 15 months on purchases, then 13.99% – 23.99% (Variable) APR based on creditworthiness.


Annual fee: $0.

Citi® Diamond Preferred® Card

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on Citibank's secure site

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4.3/5.0 from 499 Offer Ratings
Over the Past 60 Days!

(499) Over the Past 60 Days!
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Intro purchase APR: 0% for 12 months on Purchases, then 13.74% - 23.74% (Variable) APR.


Intro balance transfer APR: 0% for 21 months on Balance Transfers, then 13.74% - 23.74% (Variable) APR.


Extra Features: Shop with confidence knowing that you have dependable protection benefits, including $0 Liability on Unauthorized Purchases and Citi® Identity Theft Solutions.


FICO® Credit Score: Get free access to your FICO® score online.


Annual fee: $0

Capital One Quicksilver Cash Rewards Credit Card

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on Capital One's secure site

 

Rated 4.5/5 stars by our editorial team

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3.8/5.0 from 769 Offer Ratings
Over the Past 60 Days!

(769) Over the Past 60 Days!
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Sign-up bonus: One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening.


Rewards: 1.5% Cash Back on every purchase, every day.


Intro purchase APR: 0% intro on purchases for 15 months, then 14.99% - 24.99% (Variable).


Annual fee: $0

Discover it® Cash Back

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on Discover's secure site

 

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Your Rating:

3.7/5.0 from 205 Offer Ratings
Over the Past 60 Days!

(205) Over the Past 60 Days!
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Sign-up bonus: 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.


Rewards: 5% cash back at different places each quarter up to the quarterly maximum when you activate, 1% unlimited cash back on all other purchases - automatically.


Intro purchase APR: 0% Intro APR for 14 months, then 11.99% - 22.99% Variable APR.


Intro balance transfer APR: 0% Intro APR for 14 months, then 11.99% - 22.99% Variable APR.


Annual fee: $0

Discover it® Balance Transfer

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on Discover's secure site

 

Rated 4.5/5 stars by our editorial team

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Your Rating:

3.8/5.0 from 82 Offer Ratings
Over the Past 60 Days!

(82) Over the Past 60 Days!
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Sign-up bonus: 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.


Rewards: 5% cash back at different places each quarter up to the quarterly maximum when you activate, 1% unlimited cash back on all other purchases - automatically.


Intro purchase APR: 0% Intro APR for 6 months, then 11.99% - 22.99% Variable APR.


Intro balance transfer APR: 0% Intro APR for 18 months, then 11.99% - 22.99% Variable APR.


Annual fee: $0

BankAmericard® credit card

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on Bank of America's secure site

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Rated 4.5/5 stars by our editorial team

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Your Rating:

3.9/5.0 from 222 Offer Ratings
Over the Past 60 Days!

(222) Over the Past 60 Days!
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Rewards: This card doesn’t come with a traditional rewards program, but 18 months of 0% interest on both purchases and balance transfers still make this a compelling choice.


Intro purchase APR: 0% Intro APR for 18 billing cycles for purchases, then 12.99% - 22.99% Variable APR once that intro period is up.


Intro balance transfer APR: 0% Intro APR for 18 billing cycles for any balance transfers made in the first 60 days, then 12.99% - 22.99% Variable APR after that.


Extra features: No penalty APR. Paying late won't automatically raise your interest rate (APR). And if you're a new cardholder, you can earn a $100 statement credit online bonus after making at least $1,000 in purchases in the first 90 days of account opening..


Annual fee: $0

Citi® Double Cash Card – 18 month BT offer

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on Citibank's secure site

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Rated 5/5 stars by our editorial team

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Your Rating:

4.2/5.0 from 143 Offer Ratings
Over the Past 60 Days!

(143) Over the Past 60 Days!
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Intro balance transfer APR: 0% for 18 months on Balance Transfers, then 13.99% – 23.99% (Variable).


Rewards: Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.


Cash Back Details: No rotating categories and no caps on cash back.


Annual fee: $0

Discover it® chrome

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on Discover's secure site

 

Rated 4/5 stars by our editorial team

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Your Rating:

3.8/5.0 from 33 Offer Ratings
Over the Past 60 Days!

(33) Over the Past 60 Days!
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Intro purchase APR: 0% Intro APR for 14 months, then 11.99% - 22.99% Variable APR.


Intro balance transfer APR: 0% Intro APR for 14 months, then 11.99% - 22.99% Variable.


Rewards: 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, 1% unlimited cash back on all other purchases - automatically


Sign Up Bonus: 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. Just a dollar-for-dollar match.


Annual fee: $0

Mastercard® Black Card™

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on Barclays's secure site

 

Rated 4.5/5 stars by our editorial team

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Your Rating:

0.0/5.0 from 0 Offer Rating
Over the Past 60 Days!

(0) Over the Past 60 Days!
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Intro purchase APR: Standard APR for the Mastercard® Black Card™ is 14.99%. This APR will vary with the market based on the Prime Rate.


Intro balance transfer APR: 0% introductory APR for the first fifteen billing cycles following each balance transfer that posts to your account within 45 days of account opening. After that, (and for balance transfers that do not post within 45 days of account opening) your APR will be 14.99%. This APR will vary with the market based on the Prime Rate.


Rewards: 2% value for airfare redemptions with no blackout dates or seat restrictions. 1.5% value for cash back redemptions. Earn one point for every one dollar spent.


Extra Perks: Cell Phone Protection, Lyft credits, Fandango perks and more.


Annual Fee: $495 ($195 for each Authorized User added to the account)

Mastercard® Titanium Card™

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on Barclays's secure site

 

Rated 4.5/5 stars by our editorial team

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Your Rating:

0.0/5.0 from 0 Offer Rating
Over the Past 60 Days!

(0) Over the Past 60 Days!
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Intro purchase APR: This card has a standard APR of 14.99%. This APR will vary with the market based on the Prime Rate.


Intro balance transfer APR: 0% introductory APR for the first fifteen billing cycles following each balance transfer that posts to your account within 45 days of account opening. After that, (and for balance transfers that do not post within 45 days of account opening) your APR will be 14.99%. This APR will vary with the market based on the Prime Rate.


Rewards: 2% value for airfare redemptions with no blackout dates or seat restrictions. 1% value for cash back redemptions. Earn one point for every one dollar spent.


Extra Perks: Cell Phone Protection, Lyft credits, Fandango perks and more.


Annual Fee: $195 ($95 for each Authorized User added to the account)


Wells Fargo Reflect℠ Card

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on Wells Fargo's secure site

 

Rated 4/5 stars by our editorial team

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Your Rating:

3.7/5.0 from 178 Offer Ratings
Over the Past 60 Days!

(178) Over the Past 60 Days!
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Sign-up bonus: The Wells Fargo Reflect℠ Card doesn't come with a sign-up bonus.


Rewards: This card offers a rewards program through My Wells Fargo Deals, where cardholders can earn cash back in the form of statement credit when using their Wells Fargo Reflect℠ Card on everyday purchases from dining to travel to entertainment and more.


Intro purchase APR: Cardholders will start with 18 months of 0% intro APR on purchases with an ongoing 12.99%-24.99% Variable APR after that introductory period is up. The unique thing about this card though is that if you make all your minimum monthly payments on time, you could enjoy a purchase intro rate of 0% intro APR up to 21 months from account opening - that's almost 2 years!


Annual fee: $0.

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Get one of the best credit cards of 2022.  There's no telling when the offers on these top cards might change. Find your perfect match and click Apply Now to start your application on the issuer's secure website.

Methodology

Each month, the CompareCards team reviews over 100 credit card offers examining the features most valuable to consumers including rewards, sign-up bonus, the interest rate, fees and other features to identify the best offers shown here.

*Editorial Note: This content is not provided or commissioned by the credit card issuer. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.