With so many credit card options available, how do you know which one is right for you?
The best choice for you depends on what your credit score looks like, what you want to use it for, and any specific offers you’re trying to get.
To narrow down the field, here are some of the best credit card deals available in March 2022.
BEST BEGINNER CREDIT CARDS
Petal® 1 “No Annual Fee” Visa® Credit Card
This beginner credit card is designed for people that have no credit score or bad credit. When you’ve never had a credit card before, you may have no credit score. This will make it difficult for you to get a credit card.
The Petal Visa Credit Card doesn’t charge an annual fee, and there’s no requirement to pay an upfront security deposit. This credit card for beginners has a Variable APR of 19.9% to 29.49%.
BEST FOR DINING AND TAKEOUT AT RESTAURANTS
American Express® Gold Card
If you enjoy eating out, this card offers 4x Membership Rewards on dining and at U.S. supermarkets. You also get an introductory bonus of 60,000 points once you’ve spent $4,000 on qualifying purchases within the first three months.
Dine out with a $120 annual dining credit to use at places like The Cheesecake Factory, Boxed, Seamless, and Grubhub. You also get $10 a month to spend on Uber Eats.
There’s a $250-dollar annual fee and a recommended credit score of 670-850.
BEST FOR U.S. SUPERMARKETS
Blue Cash Preferred® Card from American Express
This card offers 6% cashback on spending up to $6000 in U.S. supermarkets in any one year (after which it drops to 1%). There’s no annual fee for the first year, and then it goes up to $95.
You can earn up to 20% back on purchases from Amazon during the first six months to a maximum of $200. The recommended credit rating when applying for this card is 670-850.
NEW PLATINUM EXCLUSIVE OFFER
The Platinum Card® from American Express
This card has many great perks and benefits. The current offer is an introductory bonus of 100,000 Membership Rewards® Points after spending $6,000 on purchases using the card in your first six months of Membership.
When you use the card, there’s the opportunity to earn up to 10x Rewards Points when you spend on travel, hotels, and the Shop Small initiative.
There’s a $695 annual fee to use the card and a recommended credit score of 670-850.
BEST FOR CITI THANKYOU REWARDS
Citi Premier® Card
This is the best card for Citi Thank You rewards.
When you take out the card, you get an introductory bonus of 80,000 points so long as you spend $4,000 within the first three months of account opening.
This card has a generous reward system, offering up to three points for every $1 spent. It’s great for people who travel a lot, but also offers excellent benefits on everyday spending. An additional bonus is an annual $100 hotel savings benefit through Citi on a hotel stay of $500 or more.
There’s an annual fee of $95 to use the card and a recommended credit score of 670-850.
BEST FOR BUSINESS SPENDING
Ink Business Unlimited® Credit Card
This card offers a generous 1.5% cashback on every purchase made for your business. You can also earn yourself a $750 bonus cashback once you’ve spent $7,500 on purchases in the first three months of opening an account.
Some of the other benefits of this card for your business are:
- Fraud protection
- Zero liability for unauthorized charges
- Employee cards at no additional cost
- 0% APR for 12 months on purchases
There’s no annual fee, and you’ll need a credit score between 690-850.
BEST FOR NON-BONUS SPENDING
Chase Freedom Unlimited®
This is a good all-rounder card for everyday spending. You get at least 1.5% cashback on every purchase you make, with a maximum of 5% on grocery store spending.
There’s also the chance of getting a $200 introductory bonus when you spend $500 within the first three months of opening an account.
There’s no annual fee and a recommended credit score of 670-850.
BEST FOR ENTERTAINMENT
Capital One SavorOne Case Rewards Credit Card
If you love entertainment, you can get 8% cashback on tickets at Vivid Seats through March 2023. There’s also 3% cashback on other entertainment such as dining and streaming services.
You can also earn an introductory bonus of $200 when you spend $500 in the first three months.
There’s a $0 annual fee and a recommended credit score of 670-850.
Best Credit Cards of March 2023
BEST 0% APR AND BALANCE TRANSFER CREDIT CARD OFFERS
U.S. Bank Visa® Platinum Card
With this card, you can benefit from an introductory rate of 0% APR for 20 billing cycles on both purchases and balance transfers.
There’s no annual fee and a recommended credit score of 690-850.
BEST FOR CASHBACK
Wells Fargo Active Cash Card
This card offers 2% cashback on purchases and a $200 cash rewards bonus after spending $1,000 on purchases in the first three months.
It also offers an introductory rate of 0% APR for 15 months from account opening on both purchases and qualifying balance transfers.
The recommended credit score for applying is 690-850.
BEST TRAVEL PERKS
Chase Sapphire Preferred® Card
You can earn 100,000 bonus points when you spend $4,000 on purchases during the first three months of account opening.
There are lots of travel benefits with using this card, including:
- 5x reward points when you purchase travel through Chase Ultimate Rewards
- Up to 3x reward points on other travel spending
- $50 annual Ultimate Rewards Hotel Credit
- Trip Cancellation/Interruption Insurance
- Lost Luggage Insurance
There’s a $95 annual fee and a recommended credit score of 690-850.
BEST FOR TRAVEL REWARDS WITH NO ANNUAL FEE
Bank of America® Travel Rewards Credit Card
There’s no annual fee to pay when you use this Bank of America card.
You can earn yourself unlimited points at 1.5x for every $1 you spend on purchases, and you’ll be credited with 25,000 bonus points when you’ve made $1,000 of purchases in the first 90 days of opening your account.
This card is perfect for booking holidays online and use your points towards flights, hotels, car rental, and restaurants.
Enjoy an introductory rate of 0% APR for the first 15 billing cycles on purchases.
BEST NO-ANNUAL-FEE CREDIT CARD OFFERS
Citi® Diamond Preferred® Card
As well as having no annual fee, there’s an introductory rate of 0% APR on both purchases and balance transfers for 18 months with this card.
Recommended credit score of 690-850.
BEST SECURED CREDIT CARD
Discover it® Secured Credit Card
A secured credit card can help you to (re)build your credit score.
Once you’re approved for a card, you’ll need to submit a refundable security deposit of at least $200. After eight months of having the card, you’ll be able to ask for a review to use the card on an unsecured basis.
Something Discover is also offering right now is Unlimited Cashback Match. It will automatically match all of the cashback you’ve earned at the end of your first year.
BEST HDFC CREDIT CARD WITH NO ANNUAL FEE
Diners Club Black Credit Card
If you’re looking for the best HDFC credit card you can get with no annual fee, look no further than this card.
There are many complimentary offers such as annual members with Club Marriot, Forbes, and Amazon Prime. You can also get unlimited free airport lounge access and golf games at the best course in the world.
Credit Card FAQs
What Are the Best Credit Card Companies to Work With?
This will depend on many different factors.
To help you feel more comfortable, you may consider taking out a card with one of the big, respected credit card companies such as Visa, Mastercard, or American Express.
Before you decide which credit card company to go with, researching what they offer will help you know if they’re the right one for you.
How Do I Choose a Credit Card?
If you haven’t had a credit card before, you might be wondering how to choose a credit card that is right for you.
First of all, as you can see above, credit card companies come out with credit cards to help people depending on their circumstances. Those looking to make a big purchase might benefit from a 0% card, and those with balances elsewhere may be looking for a good balance transfer offer.
No single card is ever perfect.
The first thing you should do is check your credit score. That will help you to narrow down your choices. Once you’ve done this, you should move on to thinking about what you want the card for. After you’ve carried out research and have found a card you think is suitable for you and your circumstances, the final thing to do is apply!
Once your card arrives, make sure you are familiar with the terms of the offer. For example, if you want to make a balance transfer, there’s a time limit on how long you have to do this.
How Do Credit Cards Work?
A credit card is an account where when you make a purchase it is paid for by the credit card company. The company then sends you a bill every month for what you’ve spent.
A credit card company will offer you an amount of money (or credit) that you can spend. This will depend on a number of factors, including how much credit you ask for, what they think you can afford to repay, and your credit score.
What Are the Different Types of Credit Cards
There are lots of different types of credit cards, and they each have their own benefits.
For example, some credit card types are:
- Balance Transfers
- 0% APR
- Purchase Credit Cards
- Rewards Cards
- Credit Builder
These are some of the best credit cards on offer in March 2022.
Whether you’re looking to splash out on a big purchase or are simply trying to build up a credit score, there are plenty of options available to you. Make sure you look for the card that offers you the best package according to what you want and need.
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