Best Credit Cards for July 2022
Wells Fargo Reflect℠ Card.
This is one of the best, as it offers a 0% introductory APR for 18 months, which can be extended for an additional 3 months if cardholders make payments on time. The 0% APR can be applied to transfers and purchases within 120 days of opening. There is also no annual fee.
Chase Freedom Unlimited®
No annual fee and earns 5% cash back on travel purchased through Chase Ultimate Rewards, another 3% on pharmacy and restaurant purchases and 1.5% on all others. Plus, an extra 1.5% can be earned.
Discover it® Cash Back
Cardholders earn 5% cash back on everyday purchases at grocery stores, restaurants, gas stations and Amazon.com, as well as for payments made with PayPal. Plus, it offers unlimited 1% cash back on all purchases. There is no annual fee, and no payment the first time a late payment is made. At the end of the first year, it matches any cash back earned and provides free access to your FICO credit score.
Discover it® Balance Transfer
Offers 0% introductory APR for 6 months on purchases and 18 months on balance transfers. Earns 5% cash back on purchases at various locations and an extra 1% after maximum spending is reached. No annual fee and ultimately matches all cash back earned at the end of the year.
US Bank Altitude® Connect Visa Signature® Card
Five points are earned for every dollar spent at travel, gas stations, restaurants and grocery stores. Cardholder can earn 50,000 for $500 after spending $2,000 in the first 120 days.
Discover it® Cash Back for Students
Individuals with regular credit or just getting a credit life may qualify for this card. They can earn 5% cash back on purchases at various locations on a quarterly basis. Offers unlimited 1% cash back on all other purchases.