Guide To Finding The Best Credit Cards For 2022

How to Find the Best Credit Cards in 2022?

The process of selecting a credit card is a highly “personalized” one—disrupted at multiple points in the journey, and constantly guided—from the setting of expense goals to narrowing down a card that exactly meets individual needs and expectations.

A card shopper’s final choice will probably depend on a combination of factors like existing credit history, near-term expense goals, long-term expense plans, borrowing patterns, and so on. In most cases, individual card shoppers typically begin with eight to ten card choices, and then ultimately track down only one or at the most two cards that meet all the needs.

This card short-listing process can be laborious and painful after going through so many comparison charts, trial applications to check eligibility, and even some rejections by card issuers for not maintaining a minimum credit score!

Most of the third-party reviewers of credit card offers seem to unanimously agree that actual customer experience is an important product feature in the life of a credit card. Market research states that frequently card holders select cards based on listed features and benefits, only to be disappointed and frustrated later. If you saw the Star Wars movie or Jurassic World you may know all about that! They did not turn out that good!

A large majority of card users in the US constantly shift from one card to another looking for the perfect credit solution.

So if you are out shopping for the most user-friendly credit card of 2021, here are some tips and advice that you may find helpful:

Get familiar with the credit industry terminology

Regardless of whether you are new to the world of credit cards or an experienced credit-card holder, it helps to keep up with the ever-evolving terminology of the credit industry. For example, site provides an extensive set of glossaries of credit related terminology for different types of users such as first-time credit-card holders, students, people looking to buy a home, and so on.

Top Rated Balance Transfer Credit Card Promotions, Zero Percent Credit Card Deals and Travel Reward Credit Cards in 2021

If you happen to be one of listed categories on this page, you will certainly find a wealth of information on these glossaries. Click on the Credit Quality tab to see available card offers for existing credit card-holders with varying degrees of credit history from no credit history to excellent credit history.

Review reliable news sources on credit cards

Some news sites like US News – Best Credit Cards carry extensive reviews of current and upcoming credit cards ranked by factors that affect the majority of borrowers. This type of informative review site can be a fantastic starting point for understanding what a stellar credit card company offers.

From there on, a card shopper may typically review one or two credit card sites, which allow a visitor to conduct online comparisons of two or three cards at a time for short-listing available offers.

Guide To Finding The Best Credit Cards For 2021

Credit Cards For Students, Business Owners and Retired Travelers

For example, provides a useful credit card comparison tool for a quick glance over on specific features like APR, cash back, balance transfer, rewards points, travel miles if any, and other benefits. For new card holders, this kind of feature-benefits comparison may mean the difference between selecting or rejecting a card.

Map card offers with your priorities

The US News site liked above has categorized the card offers in 11 popular groups, which are already mapped to specific needs of individuals. For example, the business owners can check on business cards targeted to business owners. The gas category has grouped cards for people who are always on the road and like to save money on gas. Pretty logical right? OK.

Then again, the hotel and airline categories have grouped credit cards meant for frequent travelers looking for special hotel deals and frequent flyer mileage. Both new card shoppers and existing card holders can benefit from this site by reviewing the already grouped cards.

Once the shoppers have shortlisted two or three cards matching their needs here, then they can visit other sites like to conduct online comparisons. The US News listing of credit cards is not only comprehensive, but it is also updated on a regular basis.

Catch the credit card buzz on social sites

This is probably the most paramount step in the card selection process. Even though you have heard the impartial voice of third-party reviewers of credit card offers, but what about the real customers, the card users? Visit social sites related to credit cards and catch the buzz. You may learn much more about the customer sentiments and experience from these sites than anywhere else on the Internet.

Return to bookmarked cards for a final comparison offers a bookmarked credit card comparison tool for the final comparison of two or three short-listed credit card offers. You can bookmark up to three credit cards and return to this site for a final comparison later. If your online research has revealed new information, you can always alter your choices here. This site is especially useful as it provides detailed explanation of features and benefits offered by Visa, MasterCard, Discover, and American Express.

You can end your search with 10 Best Credit Cards, this site details the feature sets of 10 credit cards reviewed in November of 2020. The offered features on these cards may help you get a solid idea of what to look for in 2021. Similarly, in The Best Credit Cards from their Partners, provides highly objective reviews of credit cards including some actual online application forms.

Let’s hope with the tips and advice provided above, you are able to:

  • Review a diverse set of card offers
  • Then have the ability to short-list specific offers based on results of your online research
  • Then you can try at least one or two online applications on a trial basis
  • Then you can focus on running a comparison to compare your favorite card features
  • Finally able to catch the customer buzz, which can significantly shape your final decision

Some Of The Credit Cards We Will Be Reviewing in 2021

best credit cards of 2021

American Express Cards

Amex EveryDay® Credit Card
American Express® Green Card
Blue Cash Everyday® Card
Blue Cash Preferred® Card
Gold Delta SkyMiles® Credit Card
Hilton HHonorsTM Card from American Express
Platinum Card® from American Express
Platinum Delta SkyMiles® Credit Card
Premier Rewards Gold Card

Bank of America

BankAmericard Cash Rewards™
BankAmericard Travel Rewards®
BankAmericard® Better Balance Rewards™
BankAmericard Cash Rewards™ Students
MLB® credit card
Royal Caribbean®
Susan G. Komen®

Barclay Credit Cards

Barclaycard Arrival Plus™ World Elite MasterCard®
Barclaycard CashForward™ Mastercard
Barclaycard Rewards MasterCard®
Barclaycard Ring MasterCard®
Barclaycard Visa® with Apple Rewards Card
Hawaiian Airlines® Business MasterCard®

Capital One

Journey® Student Rewards
Quicksilver® Rewards
QuicksilverOne® Rewards
Spark® cash back rewards
Spark® miles rewards
Venture® Rewards
VentureOne® Rewards

Chase Rewards
Chase Freedom
Chase Ink Cash
Chase Ink Plus
Chase Sapphire Preferred
Chase Slate
Disney Premier Visa
Marriott Rewards
The Ritz-Carlton Rewards
Southwest Airlines
United MileagePlus


Citi® / AAdvantage® Platinum Select® MasterCard®
Citi® / AAdvantage® Gold MasterCard®
CitiBusiness® / AAdvantage® Platinum Select® World MasterCard®
Citi® Diamond Preferred® Card
Citi® Double Cash Card
Citi® Hilton HHonorsTM Visa Signature®
Citi Prestige® Card
Citi Simplicity® Card
Citi ThankYou® Preferred Card
Citi ThankYou® Preferred Card for College Students


Discover it® card
Discover it® chrome for Students card
Discover it® Gas and Restaurant card
Discover it® Miles card
Discover it® NHL® card
Discover it® for Students card


PenFed Premium Travel Rewards American Express® Card
PenFed Platinum Rewards VISA Signature® Card
PenFed Promise Visa® Card
PenFed Gold Visa® Card

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