Credit score

The Ascent’s 2022 credit card prices

Posted on January 20, 2022

Credit Card Scoring Methodology

Scoring methodology

To determine the best credit card rewards for 2022, experts at The Ascent evaluated accounts with our scoring model, focusing on industry factors and user benefits, including:

  • Annual subscription
  • Rewards and Benefits
  • Sign-up bonus
  • APR

The top rated offers have been selected and we believe they are the top choice for most people. Our final winners were determined by voting to ensure objectivity, with one final check of the golden rule: would we recommend them to a family or friend? Particular attention was also paid to:

  • Introductory periods 0% APR
  • Introductory Balance Transfer Periods
  • Access to the FICO score
  • Reward Redemption Options

For 2022, we’ve introduced an exciting update, our Editors’ Choice Awards. These awards are our experts’ favorites, tailored to unique consumer needs, allowing us to explore a more diverse range of offerings and user experiences.


Best travel credit card overall

Capital One Venture X Rewards Credit Card

The Capital One Venture X Rewards credit card caused a stir in the premium travel credit card category with its huge sign-up bonus, unlimited miles for purchases, hundreds of dollars in annual statement credits, and access at the airport lounge. Although the credit card has an annual fee, it’s lower than many competing cards charge for a similar feature set.

Read the full review

Blue Cash Preferred® Card from American Express

Best credit card for groceries

Blue Cash Preferred® Card from American Express

Few of our awards have had such a unanimous winner. While no credit card is right for everyone, we think cardholders wanting supermarket rewards should make the Blue Cash Preferred® Card from American Express their card to beat. It earns 6% in US supermarkets ($6,000 annual spending cap, conditions apply). This is one of the highest rates we have come across. Plus, the card packs in a great introductory APR offer and a big welcome bonus.

Read the full review

Marriott Bonvoy Brilliant™ American Express® Card

Best hotel credit card

Marriott Bonvoy Brilliant™ American Express® Card

Although the choice of credit card that is best for hotels depends somewhat on the preference of the hotel, many people will choose Marriott better for their hotel stays and choose the Marriott Bonvoy Brilliant ™ American Express Card ®. Points add up quickly across a range of spend categories, including Marriott purchases and American restaurants. The credit card also includes a rich welcome bonus, airport lounge access with Priority Pass™ Select enrollment and valuable annual statement credits.

Read the full review

Chase Ink Business Preferred℠ Credit Card

Best business credit card

Chase Ink Business Preferred℠ Credit Card

There’s a lot to like about the Chase Ink Business Preferred℠ credit card, and it’s a fantastic alternative to more expensive business credit cards. Above all, the robust rewards program matches the needs of business owners well, and the sign-up bonus is among the biggest we’ve come across. The Chase Ink Business Preferred℠ credit card also earns Chase Ultimate Rewards points, which are among the most valuable and flexible on the market.

Read the full review

Chase Sapphire Reserve®

Best Airline Credit Card

Chase Sapphire Reserve®

As with hotel credit cards, choosing a single airline credit card may come down to personal airline preference. But we think potential cardholders should first consider the Chase Sapphire Reserve® as their credit card of choice. The card contains a large sign-up bonus which is good enough to cover the cost of a domestic return flight. Plus, you can earn 3x the points on travel and dining, up to $300 in annual travel credits, and you can access Priority Pass™ Select lounges. But what makes the Chase Sapphire Reserve® shine the most is that Ultimate Rewards points earned on this card can be transferred directly to popular airline loyalty programs.

Read the full review

American Express credit card app

Editors’ Choice: Credit Card Mobile App

American Express credit card app

The American Express credit card mobile app shines in an otherwise competitive category full of big card issuers who also offer great apps. Standout features include the easy-to-use interface, the ability to manage a wide range of account needs, check your credit score, send and split payments, and access to American Express offers. .

Read more

* A full list of 2022 winners, from banks to cryptocurrency exchanges and apps, can be found here.

**You can also find other credit cards to compare by checking out The Ascent’s best credit cards page.