10 Best Credit Cards That Help You Earn More

A single credit card for all your purchases? We do not think that is a good option because every card is designed differently. In the ocean of Credit Cards, it is challenging for most people to get the best-fitted card for their wallet.

Uthrive experts are committed to helping you make the right choice to get you maximum cash back, rewards, balance transfer, free travel, 0% APR, and lots more. Ranging from a great signup bonus with no annual fees to various special features, the key to finding the best credit card depends upon your lifestyle, needs, and spending habits. Here is a list of best cards to align with your spending habits and priorities:

1. Wells Fargo Active Cash

The Wells Fargo Active Cash Card is an incredible credit card that gives good competition to other flat-rate cash back cards in the market. Unlike the average credit card, it offers an unlimited 2% cash reward on purchases with No Annual Fees. It is one of the best cashback credit cards for consumers with good credit.

Card Details:

• Cardholders can enjoy an initial bonus of $200 cash back after spending $1,000 in the first 3 months.

• You can earn unlimited 2% cash rewards on all your purchases.

• There are No Category Restrictions on signups and cashback rewards.

• Your rewards do not expire as long as your account remains open.

• 3% Foreign Transaction Fee

• You get to enjoy an exclusive collection of benefits at the world’s most intriguing and prestigious hotels with a Visa Signature Concierge.

• A balance transfer fee of up to 5% minimum- $5

• $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your card.

2. Capital One SavorOne

It is an excellent credit card for entertainment and food with Zero Annual Fees. The Capital One SavorOne is 2X more rewarding than the average cash back credit card of 2022, as it offers great cashback deals.

Card Details:

• You can collect $200 cash back after spending a minimum of $500 in the initial three months.

• Earn 3% on dining, entertainment, popular streaming services, and grocery store purchases (Excluding Target and Walmart)

• Also, get 1% cashback on all other purchases and 8% from purchases at Vivid Seats (until January 2023)

• Zero Balance Transfer Fee

• No Foreign Transaction Fee

• Cash Back does not expire for the life of the account.

3. Chase Sapphire Preferred

Get the best signup bonus credit card- the Chase Sapphire Preferred Card. It offers one of the best welcome bonuses in the industry, especially for someone who loves to travel. Its annual fee of $95 is worth all the perks and rewards of the card.

Card Details:

• You get to earn 60,000 bonus points once you spend $4,000 in the first 3 months.

• Bonus Points are redeemable for either $600 statement credit or $750 in travel booked with Chase Ultimate Rewards.

• Enjoy benefits such as annual $50 Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards, 3x on dining, 2x on all other travel purchases, and various more.

• Earn 25% more value while redeeming for airfare, hotels, car rentals, and cruises through Chase Ultimate Rewards.

• Get unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders over $12 for a minimum of one year through DashPass, DoorDash’s subscription service (Activated by 03/31/22).

• Rely on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance, and more.

4. Chase Freedom Flex

The Chase Freedom Flex Card is best for flexible rewards with an exciting earning structure that covers a wide range of expenses like- travel, dining, and drugstore with rotating quarterly bonus categories. This NO Annual Fees Credit Card handles all your spending needs.

Card Details:

• Get a $200 Bonus after spending $500 in your first 3 months.

• Earn 5% cashback on up to $1,500 under combined purchases from your bonus categories each quarter and enjoy new 5% categories each quarter!

• 5% cashback on travel purchased through Chase Ultimate Rewards.

• 3% cash back on drugstore purchases & dining at restaurants

• Unlimited 1% cashback on all other purchases

• Checks your credit health by monitoring your score and offering real-time alerts.

5. American Express Blue Cash Everyday

Get the Blue Cash Everyday Card from American Express to earn solid rewards on family-friendly purchases. It is the best card for U.S. supermarkets with a $0 Annual Fee. It is the Best Credit Card for Everyday Spending as it provides great cashback rates on its bonus categories.

Card Details:

• Enjoy a $200 statement credit after making $2,000 purchases within the first 6 months.

• Get 3% Cash Back at U.S. supermarkets (on up to $6,000 purchases per year and then 1%).

• 2% Cash Back at U.S. gas stations and selected U.S. department stores.

• You also earn 1% Cash Back on other purchases.

• Reward Dollars received in the cashback can be easily redeemed for statement credits.

• Provides for Car Rental Loss and Damage Insurance

6. Capital One Venture Rewards

Your search for the best credit card for travel rewards ends here. It is an elite travel reward card that helps with free flights, hotel stays, and other traveling accommodations. The Capital One Venture Card demands a $95 Annual Fee while offering the flexibility of redemption.

Card Details:

• Earn a bonus of 60,000 miles after you spend $3,000 within 3 months. (equals to $600 in travel)

• No Foreign Transaction Fee

• Enjoy unlimited 2X Miles on all your purchases every day!

• Get to choose from 15+ Travel Loyalty Programs

• The cardholder’s miles don’t expire until the account is active.

• You can receive about $100 credit for Global Entry or TSA PreCheck.

7. American Express Gold

Perfect credit card for a foodie? The American Express Gold Card is the top-notch Credit Card for Restaurants as there is no other card in the market that provides as high returns as U.S. supermarkets, restaurants, and online delivery. It has a $250 Annual Fee.

Card Details:

• 60,000 Membership Reward Points for making $4,000 eligible purchases within the first 6 months.

• Get 4 points/$ spend at the U.S. supermarket (up to $25,000 purchases per year and then 1x).

• Earn 4 points per dollar you spend at a restaurant worldwide (Including takeout and delivery).

• 3 points for every dollar you spend for booking flights directly with airlines or at amextravel.com

• For all other purchases, you earn 1 point per dollar.

• Get up to $120 as Annual Dining Credits ($10 in monthly credit statement).

• Earn up to $120 for Uber Cash Annually ($10 in Uber Cash each month).

8. Citi Premier 

For attractive ongoing bonus rewards, get the Citi Premier Card which is also the best for gas stations. This bonus reward credit card has a $95 Annual Fee but offers reward points under various categories.

Card Details:

• Earn 60,000 bonus points after spending $4,000 within the first 3 months.

• 3 Points/ $ spent at Restaurants & Supermarkets ($600)

• 3 Points/$ spent at Gas Stations, Air Travel & Hotels

• 1 Point/$ spent on all other purchases

• No Foreign Transaction Fee

• Various Hotel Savings Benefit

9. U.S. Bank Altitude Go Visa Signature

It is the best rewards program credit card that demands no annual fees and provides points against various categories. The US Bank Altitude Go card is specially designed for cardholders with a good or excellent credit score and for consumers who spend a lot on dining, gas, and groceries.

Card Details:

• Get a welcome bonus of 20,000 points after spending $1,000 in the eligible categories in the first 90 days.

• Earn 4 points for every dollar spent on dining, takeout, and home delivery.

• 2 points/$ at gas stations, grocery stores, grocery delivery, and EV charging stations

• You can also enjoy 2x points on streaming services like Netflix, Hulu, Spotify, Disney+, HBO Max, and more! (Plus a $15 credit on annual streaming services)

• 1 point for every dollar spent on other eligible purchases

• Your points never expire.

10. Chase Freedom Unlimited

If you are looking for the overall best credit card, Chase Freedom Unlimited should be your ideal choice. This Zero Annual Fee Credit Card offers top-class rewards. The cardholder gets an extra 1.5% cashback on all his purchases up to $20,000 for the first year additional $300 cashback).

Card Details:

• Get $200 cash back after spending $500 in the first three months.

• 5% cash back reward on travel through Chase,

• 3% cash rewards at restaurants and drugstores,

• 1.5% cashback on everything you buy for the first year

• No minimum limit to redeem the cashback.

• The Cash Back rewards do not expire as long as your account is open.

• Keep a check on your credit health, helps you monitor your credit with free access to your latest score, offers real-time alerts, and more.

To identify the best credit cards of 2022, our experts compare the rewards, interest rates, and fees. We assure the tailored services of the Uthrive App outshine the rest.