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Best credit cards for 2022

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There is no credit card that is “the one”, but there are certainly a lot of options that would work well for you, whether you are a traveler, someone trying to build credit, looking for rewards, etc.  Which one should you choose though? As you can see in this article, there are a lot of ways to build credit with a credit card, but the most important part is to keep healthy habits with your credit cards, such as keeping your utilization low and trying to avoid carrying a balance

Start off 2022 in the right direction by looking into some of these best credit cards.

Indigo Platinum Mastercard

Annual Fee $75 the first year

$99 thereafter

APR 24.90% 
Credit Score required 300 – 579
Rewards N/A

With this credit card you will get the chance to build your credit. The late fee goes up to $40 and the penalty APR is set at 29.90%. The application process is simple and easy. You will see a response from them in as soon as 60 seconds.

Applied Bank Secured Visa Card

Annual Fee $48
APR 9.99%
Credit Score required 300 – 639
Rewards N/A

This secured option is great if you have a poor credit score and are looking for an option to build credit. You can start with an initial security deposit of $200 – $1,000 and get a credit line up to $5,000 with additional deposits. 

Chase Freedom Unlimited

Annual Fee $0
APR 14.99% – 23.74% variable
Credit Score required Good/Excellent
Rewards 3% cashback on restaurants and drugstore purchases

5% cashback on travels purchased through their service

1.5% on every other purchase

If you have a good or excellent credit score, this option is great for you. It has great rewards and an intro bonus of extra 1.5% on everything you buy as well as a 0% APR for the first 15 months.

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