The Best Credit Cards 2022: Compare Card Rates

FICO ® Scores Explained: FICO ® Score Rating Lending Opportunities 300-579 Bad Loan applicants may struggle to get credit without a deposit. It can be difficult to be approved for credit with this rating. 580-669 Fair Applicants may still struggle to get optimal lending rates and may still be rejected by certain lenders. 670-739 Good Most lenders will provide credit to those with good lending however they may offer average lending fees. 740-799 Very Good Most applicants may receive better than average lending rates. 800-850 Excellent Less than 22% of Americans have excellent credit . Those with credit scores at this level are considered optimal applicants. How to Use Your Credit Card Credit cards are so convenient because they are accepted virtually everywhere and don't require hitting the ATM or carrying around cash. Just swipe your card or insert the chip in the card reader, and you're on your way. But this swipe-and-go process can also lead you down a dark path of interest-bearing debt. Using Your Credit Cards Responsibly Credit cards can be a great benefit to have when you use them correctly. They can earn you free vacations and cashback options, but they can also open a pit of debt that can throw your financial situation for a loop. Here's how to use them responsibly : What to Consider It's important to find the best credit card for you. A credit card can be useful and destructive, so before you compare credit card offers, ask yourself these questions: Can you limit use to just your daily expenses? Are you committed to paying your credit card off each month to avoid interest charges? If it's a variable-rate card, can you afford the constant interest rate fluctuations? What credit limit do you need? Use the calculator at Financer.com to compare [company_amount] lenders' credit limits. The worst the company can say is "no." But if you have a steady payment history and have been a customer for a few years, you may be surprised at what you can ask for and receive.

The Best Credit Cards 2022: Compare Card Rates

Best Credit Cards January 2022

Destiny Mastercard

Indigo® Platinum Mastercard®

Merit Platinum

PenFed Pathfinder® Rewards Visa Signature® Card

Milestone MasterCard®

BlockFi Rewards Visa® Signature Credit Card

Upgrade Bitcoin Rewards Visa

PenFed Platinum Rewards Visa Signature® Card

PenFed Power Cash Rewards Visa Signature® Card

Chase Freedom Unlimited®

American Express Blue Cash Preferred® Card

American Express® Gold Card

Total Visa® Unsecured Credit Card