4 Best credit cards to apply before 2022
With so many credit cards marketed to users, selecting the ideal card cannot be easy. There is no such thing as a “perfect” credit card, but rather choices for different sorts of individuals – whether you’re a foodie, student, traveler, or someone looking to build credit. A little research might help you select a card tailored to your individual needs.
Webnews 21 chose some of the best credit cards available in the United States that anybody can apply for to find which cards offer the greatest value. Let’s have a look at some of the best credit cards to apply for before 2022.
American Express Business
The American Express® Business Gold Card users can get premium roadside assistance for free up to four times per year. Towing, winching, jump starts, tire replacements, petrol delivery, and lockout services are examples of roadside assistance. The card member must be present with the qualified vehicle to use this service.
The American Express Business Gold Card earns up to 4x points on the first two qualified expenditure categories. It also provides travel benefits like baggage insurance, trip delay insurance, and a 25% airline bonus when you use your points to book a journey. The Pay Over Time feature on this card allows you to carry a balance with interest on qualified expenditures.
If you have at least 1,000 points in your account, you can use them to offset qualified charges on your current bill. If you have at least 2,000 points, you may use them to buy event tickets through AXS or Ticketmaster. You may also use your points to purchase gift cards or shop on Amazon.
Costco Anywhere Visa Card by Citi
The card can be used anywhere, not only at Costco. Additionally, it provides excellent rewards rates across a wide range of categories. The card has no renewal fees at all.
However, there are a few requirements: To issue the card (or reap any benefits from it), you must be a Costco member, which requires an annual membership fee.
While the rewards rates on the card are substantial in several areas, they aren’t particularly high for Costco purchases, and redemption isn’t easy. Unfortunately, the Costco Anywhere Visa does not currently provide a sign-up bonus. However, it does provide long-term benefits that make Costco Anywhere Visa the best credit card to apply for before 2022. As mentioned before, there is no annual cost for those who already have a Costco membership.
Marriott Bonvoy Boundless Credit Card
Commencing with Marriott hotel stays, there are various methods to redeem points earned with the Marriott Bonvoy Boundless credit card. Points may be redeemed for stays in over 7,000 hotels across 130 countries, with no ban periods. The amount of points required to redeem for an award stay varies according to the hotel type and whether you book an off-peak, regular, or peak rate.
Marriott’s travel partners may redeem points for flights, car rentals, cruises, and vacation packages. You may pay for such items solely with points or with a mix of points and cash. If you don’t need to book a trip or a hotel stay, you may spend your points to get Priority Pass or TSA PreCheck membership.
The Bonvoy Boundless card also provides a path to Gold Elite rank if you spend at least $35,000 on purchases per year. However, you’ll typically be better off earning higher status organically via the Boundless’ 15 elite night credit, as well as if you book directly with Marriott.
The highest value is usually found when using points to book Marriott hotels when it comes to redemption. After meeting the spending criteria, you’ll want to carefully examine the reward chart to see how far your points will stretch toward other award nights beyond the first 5 free nights. The Bonvoy is yet the best credit card to apply before 2022.
Discover It Secured Credit Card
Discover it Secured Credit Card gives you 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases every quarter. In addition, you may receive an unlimited 1% cashback on any other transactions.
The Discover it Secured Credit Card offers a low-interest rate: A 6-month intro APR of 10.99 percent on balance transfers, followed by a continuing APR of 22.99 percent Variable APR. If you want to carry debt, you may be better suited with the $0-annual-fee DCU Visa.
The Discover it Secured Credit Card comes with various benefits, most of which are linked to credit and identity monitoring. Still, it also features $0 fraud liability for cardholders and free overnight delivery on card replacements.
There is also no late charge on the first late payment up to $40 afterward. However, we do not advocate that anybody take advantage of this. The card also has no international transaction fees. However, Discover cards are not as readily accepted outside of the United States as other cards and this feature makes it the best credit card to apply before 2022.
Aside from being one of the top flat-rate cash back cards on the market, with its desired up to 2% cashback, the Citi Double Cash may help keep your spending habits in line with its pay and earn rewards structure and 0% APR.
As previously stated, the Citi Double Cash provides a long 0 percent introductory APR on balance transfers for 18 months, followed by a variable APR ranging from 13.99 percent to 23.99 percent.
The continuing APR is far below the average current interest rate and might be one of the lowest rates for a flat-rate cashback card of its class that we’ve seen so far this year. Just keep in mind that if you don’t pay off your amount inside the 0 percent window, you’ll be subject to the card’s variable APR for the remainder of your card’s life.
With the Citi ThankYou Points loyalty reward program, cashback benefits earned with this card may be converted to points. When linked with a premium Citi ThankYou points-earning cards like the Citi Prestige or Citi Premier, Citi ThankYou Points are transferable.