Best Personal Credit Cards of 2022

Anna Scott

You can find the credit card that best fits you, whether you want low interest rates, fast cash back, travel or something else.

There is no credit card that fits all and depends on your credit history, spending habits, traveling that will determine what’s right for you.

Compare some of the top credit cards that offer you more cash back and rewards.

Upgrade Cash Rewards Visa®

upgrade card image


Annual Fee

8.99% - 29.99%



Min. Credit Score


Cash Back


The Upgrade Card is a hybrid between a credit card and a personal loan product. It offers a Visa card’s flexibility with the low costs and the predictability of a personal loan. This card is ideal for people with low credit scores or anyone who needs to finance a large purchase.

ou can use the card to make purchases or tap into your credit and request funds to be sent directly to your bank account. At the end of each month, your purchases and withdrawals are combined and treated as personal debt. Depending on what they approve you for, you have 24,36, or 60 months to repay your loan in equal monthly instalments over a set period.

This card has no annual fee, setup fees, and monthly fees; it doesn’t charge any fee at all. It offers an unlimited 1.5% cash back rewards on payments made to the card each month. It redeems the rewards as statement credits. The typical credit limit is between $500 to $50,000. Other benefits of the card include roadside assistance, Visa concierge, travel and emergency services, and extended warranty and price protection.

What we like

  • No annual fees
  • Earn 1.5% cash back on card payments
  • No collateral required
  • Helps build credit

What we don't

  • No welcome bonus
  • Potentially high APR
  • Less flexible payments

Account Fees & Information

  • Min. Credit Score630
  • Rewards1.5% cash back
  • Min. Annual IncomeN/A
  • SecurityUnsecured
  • APR8.99% - 29.99%
  • Max. Penalty APRN/A
  • Grace PeriodN/A
  • Annual Fee$0
  • Max. Late Fee$0
  • Max. Over Limit Fee$0
  • Foreign Transaction$0
  • Returned PaymentN/A

Balance Transfer

  • Intro. APRN/A
  • Regular APRN/A
  • Transfer FeeN/A

Cash Advance

  • APRN/A
  • Advance FeeN/A