Best Credit Cards in the World 2022

What are the best credit cards in the world? Research says that having too many choices actually decreases a person’s ability to take action. With so many credit cards available for customers, it can be tasking to choose the best for you.

Having the right credit card can help you achieve your financial goals, whether it’s earning cashback, or travelling on points and miles.

So, we decided to do the hard work for you by reviewing each one of them. This article on the top 10 best credit cards in the world can help you find a card that is specially made for your lifestyle.

1. Chase Freedom Flex℠

• Best Cashback Credit Card
• No Annual fee
• Credit Score: Excellent, Good (700 – 749)
• Travel rewards rate rivals some of the best premium travel cards
• Quarterly categories earn 5% rewards when activated, up to a combined quarterly $1,500 maximum
• Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
• 3% cashback on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cashback on all other purchases.
• Keep tabs on your credit health

Chase Freedom Flex℠ is the best cashback credit card, with no annual fee card attached. To be eligible to apply for the credit card, you need a credit score of around 700+ to have decent odds of getting approved for Chase Freedom Flex.

The card comes with a pumped-up earnings structure that covers a wide swath of expenses including travel, drugstores, and dining plus rotating quarterly bonus categories in areas many households are likely to find appealing.

If an applicant has good credit, and a FICO score of 690 or higher, they’re likely eligible. Chase’s 5/24 rule is that you can’t be approved for most Chase cards if you’ve opened five or more personal credit cards from any card issue within the past 24 months.

The Chase credit card limit could be as low as $500 or as high as $15,000+, depending on the card and your overall creditworthiness. One of the Chase credit cards with the highest starting limit is the Chase Sapphire Reserve, which has a minimum credit limit of $10,000.

2. Wells Fargo Active Cash℠ Card

• Best 0% APR and Flat Rate Cashback Credit Card
• No Annual Fee
• Credit Score: Excellent, Good (700 – 749)
• Earn a $200 cash rewards bonus when you spend $1,000 in purchases in the first 3 months
• Earn unlimited 2% cash rewards on purchases
• Cell phone protection benefit
• Enjoy a premium collection of benefits at a selection of the world’s most intriguing and prestigious hotel properties with Visa Signature Concierge

The Wells Fargo Active Cash is one of the best credit cards in the world with an unlimited offer of a 2% cash rewards rate on purchases and charges no annual fee.

The Credit card has built-in protection features that ensure that you won’t be held responsible for any unauthorized transactions, as long as they’re reported promptly.

3. Capital One Venture X Rewards Credit Card

• Best Flexible Rewards Credit Card
• Annual Fee of $395; lower than others in its category
• Credit Score: Excellent (750 – 850)
• Annual Travel Credit
• Early Spend Bonus
• Anniversary Bonus

Capital One Venture X Rewards Credit Card is the most premium travel card packed with extras that put it firmly in competition with other upper credit cards, but at an annual fee that leaves the others far behind.

With the card, you can escape the airport crowd and recharge before your flight with unlimited access to all-inclusive amenities at the Capital One Lounge and at 1,300+ Priority Pass lounges worldwide, and you will also Receive up to a $100 credit for Global Entry or TSA PreCheck.

4. Chase Sapphire Preferred® Card

• Best Entry Level Travel Card
• Annual Fee: $95
• Credit Score: Excellent, Good (700 – 749)
• Earn high rewards in several areas of spending
• Transfer points to travel partners at a 1:1 rate
• Many travels and shopping protection
• Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $1,000 when you redeem through Chase Ultimate Rewards®.
• Get 25% more value when you redeem for airfare, hotels, car rentals, and cruises through Chase Ultimate Rewards®. For example, 80,000 points are worth $1,000 toward travel.

The Chase Sapphire Preferred® Card is one of the best credit cards in the world designed for travellers in general. It even has a few travel perks, such as primary rental car insurance, trip cancellation/interruption insurance, and lost luggage insurance.

The Chase Sapphire Preferred® Card isn’t a credit card for everyone, you’ll need to have good to excellent credit to have a chance at getting approved you should have at least a FICO score of at least 690 before applying for this card.

5. Chase Sapphire Reserve®

• Best Travel Insurance Card
• Annual Fee: $550
• Credit Score: Excellent (750 – 850)
• Get 50% more value when you redeem points for travel through Chase, or for select purchases through
• Pay Yourself Back℠ program
• Points transfer to valuable airline and hotel partners
• 1:1 point transfer to leading airline and hotel loyalty programs

Chase Sapphire Reserve requires excellent credit for a strong chance of approval, which means a score over 750. The credit card is an extremely popular premium Chase credit card because it offers a valuable welcome bonus, an annual travel credit, and a variety of lesser-known perks that can save you money or improve your travel experience.

6. The Platinum Card® from American Express

• Best Luxury and Lifestyle Benefits Card
• Annual Fee: $695
• Credit Score: Excellent/Good (700 – 749)
• Reward potential on flights and hotels booked through American Express Travel
• Multiple credits can help justify the fee
• Comprehensive airport lounge access
• Luxury travel benefits and elite status with Hilton and Marriott with enrollment
• Get $200 back in statement credits each year on prepaid Fine Hotels + Resorts®

The Platinum Amex card is designed for frequent travellers who intend to fully leverage the rich set of luxury travel benefits and Platinum Concierge service.

The card has good benefits and a sleek appearance is a card worth bragging about. Between the numerous travel benefits, reputable concierge service, and consumer protections, the card is worth considering if you can stomach the steep annual fee.

The Platinum Amex card offers members five points for every dollar spent on flights booked directly through airlines or through the American Express travel site, five points for prepaid hotels booked through amextravel.com, and one point for every dollar spent on other purchases.

7. United Club℠ Infinite Card

• Best Airline Card
• Annual Fee:$525
• Credit Score: Excellent (750 – 850)
• United Club membership is worth more than the annual fee
• No foreign transaction fee
• First and second checked bags are free when you pay for your flight with your card
• Earn 120,000 bonus miles.

The United Club Infinite Card is best suited for loyal United flyers who want premium perks such as a United Club membership. Currently priced between $550 and $650 annually (depending on your MileagePlus status), adding the United Club Infinite Card to your wallet is definitely worth it.

The card offers 4 miles per $1 spent on United purchases, 2 miles per $1 spent on dining, including eligible delivery services and all other travel, and 1 mile per $1 on all other purchases. Plus, a suite of valuable perks when you fly United or rent a car through Hertz. Definitely one of the best credit cards in the world.

8. Aeroplan® Credit Card

• Best Mid-tier Airline Card
• Annual Fee: $95
• Credit Score: Good, Excellent (700 – 749)
• Good rewards earning
• No foreign transaction fees
• Travel benefits including perks for Air Canada flyers
• Free first checked bag
• 500 bonus points for every $2,000 you spend in a calendar month.

Aeroplan-branded credit card is one of the best credit cards in the world for mid-tier airlines. It has solid reward-earning potential and benefits making it an excellent option for those loyal Air Canada passengers who also regularly spend on food and travel.

9. Hilton Honors Aspire Card from American Express

• Best Hotel Card
• Annual fee: $450
• Credit Score: Good/Excellent (700 – 749)
• Status with a rich set of benefits
• Statement credits
• $250 airline fee credit

The Hilton Honors American Express Aspire card is a top-shelf travel rewards card offering a stellar rewards rate on Hilton hotel stays. This card is expensive, even as travel rewards options go, with a $450 annual fee, but it includes several valuable features and benefits to help justify the cost for Hilton regulars.

It’s a perfect fit for spenders who haunt Hilton properties enough to leverage the rich suite of benefits that come with the complimentary Diamond status, Hilton Honors Aspire Card from American Express comes with a price tag.

10. Discover it® Student Cash Back

• Best Student Card
• No annual fee
• Credit Score: Fair/New to Credit
• 5% cashback on rotating bonus categories
• First-year Cashback match

Discover it® Student Cash Back is the best credit card for students. Its potential for high rewards and valuable cashback for new card members makes it one of the best credit cards in the world. Also, it affords students with average or limited credit scores the opportunity to gain experience managing credit.

What’s more? There is no annual fee, no penalty APR, plus up to 5% cash back rewards in rotating categories up to a quarterly cap with enrollment.

Summary: Best Credit Cards in the World 2022

Finally, here is a recap of the top 10 best credit cards in the world in 2022:

1. Chase Freedom Flex℠
2. Wells Fargo Active Cash℠ Card
3. Capital One Venture X Rewards Credit Card
4.  Chase Sapphire Preferred® Card
5.  Chase Sapphire Reserve®
6. The Platinum Card® from American Express
7. United Club℠ Infinite Card
8.  Aeroplan® Credit Card
9. Hilton Honors Aspire Card from American Express
10. Discover it® Student Cash Back