Today, in 2022, there are a lot of credit card options available out there. Some of you may be looking for a good traveling credit card, whereas others might be looking for a good entertainment credit card. However, a single credit card can’t meet all your budget needs. We have created a well-curated list of the top 3 best credit cards to buy in 2022. So, continue reading the article to know more.

Capital One Venture X Rewards Credit card – Best travel credit card
Capital One Venture credit card is considered one of the most premium travel credit cards with a very low annual fee (i.e., $395). For new users, after a purchase of $4000, you get a welcome bonus of 75000 miles. It also provides you with an annual cashback of up to $300. It comes with a regular APR of 18.49% – 25.49% and an excellent credit score of 750 to 850 points. Apart from that, this credit card provides you with many anniversaries and travel benefits on every booking.

Pros and Cons
Pros
Lower annual fee.
Annual travel credits and anniversary miles can justify the annual fee.
Easy to earn and easy to use miles.

Cons
Doesn’t have any domestic airlines or upscale hotel travel partners.
Doesn’t include hotel status benefits.

Platinum card from American Express – Best credit card for luxury travel and lifestyle benefits
The Platinum Card is the best option for people who tend to travel more often. With this credit card, you will be able to enjoy the lavishing travel benefits. During the first six months of purchasing more than $6000, you get a welcome benefit of 100000 points. It has an excellent credit score above 700 points and provides a lot of membership rewards on your every booking. However, the annual fee (i.e., $695) tends to be slightly higher. 

Pros and Cons
Pros
Higher rewards on flight and hotel bookings.
Multiple credits can solely justify the fee.
Provides access to a comprehensive airport lounge.
Luxury travel benefits and elite status benefits.

Cons
The annual fee is very high.
The best deals only on travel benefits.

Wells Fargo Active Cash Card – Best for flat-rate cash back
The Wells Fargo Active Cash offers you an unlimited 2% cash rewards rate on all purchases. The card gives new users a welcome bonus of $200. This credit card has a regular APR of 17. 24% and 22.24%, and a variable APR of 27.24%. It also has an excellent credit score of more than 700 points and does not charge you any annual fee. That is why it is considered one of the best flat-rate cashback cards on the market.

Pros and Cons
Pros
Get unlimited 2% cash rewards on every single purchase.
Gives you a $0 annual fee.
Comes with an extra cell phone protection benefit.
Cash rewards don’t expire until you have an active account.
Gives up to $600 of cell phone protection against damage or theft.

Cons
It has a balance transfer fee.
It also has a foreign transaction fee.
It does not have any travel transfer partners.

Owning a credit card is an important part of our financial profile. Evaluate your spending habits, needs, and preferences, and select the best credit card for yourself. Do remember the above-mentioned credit card options.