Best Credit Cards RIGHT NOW – September 2022

Below we list some of the best credit cards on the market right now, with an emphasis on cash back and travel rewards cards:

Best Cash Back Credit Cards

Blue Cash Everyday® Card from American ExpressWhy We Like It: Maybe the best rewards credit card for grocery purchases with no annual fee, plus a rare 3% reward for general online purchases. EARN: 3% cash back on groceries at U.S. supermarkets on up to $6,000 per year in purchases (then 1%), 3% cash back on U.S. online retail purchases on up to $6,000 per year in purchases (then 1%), 3% cash back on gas at U.S. gas stations on up to $6,000 per year in purchases (then 1%), 1% cash back on other purchases. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit. NEW CARDHOLDER WELCOME BONUS OPPORTUNITY: Earn a $200 statement credit after you spend $2,000 in purchases within the first 6 months. See Rates & Fees. Terms Apply. American Express is a ProudMoney advertiser.

 

Citi Custom Cash℠ CardWhy We Like It: No-brainer opportunity to earn 5% cash back in the everyday category you shop most each month, with no annual fee! EARN: 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter and on all other purchases. The 5% eligible categories are: Restaurants, gas stations, grocery stores, select travel, select transit, select streaming services, drugstores, home improvement stores, fitness clubs, live entertainment. NEW CARDHOLDER WELCOME BONUS OPPORTUNITY: Earn $200 cash back after you spend $1500 on purchases in the first 6 months of account opening.

 

Blue Cash Preferred® Card from American Express – Why We Like It: 6% cash back on up to $6,000 per year in purchases at U.S. supermarkets, 6% cash back on select U.S. streaming subscriptions, 3% cash back on transit purchases, 3% cash back at U.S. gas stations, 1% cash back on other purchases. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit. NEW CARDHOLDER WELCOME BONUS OPPORTUNITY: Earn a $350 statement credit after you spend $3,000 in purchases within the first 6 months. Annual fee: $95. See Rates & Fees. Terms Apply. American Express is a ProudMoney advertiser.

 

Capital One SavorOne Cash Rewards Credit CardWhy We Like It: Offers generous cash back in everyday categories where you are likely to be doing real spending, with no annual fee! Earn 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases. EARLY SPEND BONUS: Earn a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening.

 

Chase Freedom Flex℠ – Why We Like It: Good everyday earnings, plus the opportunity to earn 5% cash back in certain purchases throughout the year, all with no annual fee! Earn: 5% on up to $1,500 in combined purchases in bonus categories each quarter you activate, 5% on travel purchased through Chase Ultimate Rewards, 3% on dining at restaurants, including takeout and eligible delivery services, 3% on drugstore purchases, 1% on all other purchases. NEW CARDHOLDER BONUS OPPORTUNITY: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.

 

Citi® Double Cash Card – 18 month BT offer – Simple, generous 2% cash back formula on all of your purchases, with no annual fee! EARN: 2% cash back on purchases: 1% when you buy and 1% as you pay — no categories to worry about, and no cap on the 2% cash back you can earn. NEW CARDHOLDER BONUS OPPORTUNITY: Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening.

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Comenity Bank Credit Card List

Updated September 29, 2022 – Comenity Bank and its sister company Comenity Capital Bank are the issuers behind many retail store credit cards and other credit cards. (Both banks are subsidiaries of Bread Financial, formerly named Alliance Data.) If you have a credit card from one of the companies listed below, it’s not issued by the store whose name is on the front, but instead by Comenity:

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Instant Approval Credit Cards – Apply, Get Approved, Use Today


(This is a regularly updated post; last update 9/29/22.) If you’ve ever been pitched on opening a new credit card while making a purchase, you know that some stores are more than happy to give you instant credit — apply on the spot, get approved, use the card immediately. Below we offer a list of such cards, including regular bank credit cards as well as retail credit cards. Apply online and get shopping today. (Note that instant approval is not guaranteed.)

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What are the lowest and highest value U.S. paper money bills without a picture of a president?

Most U.S. paper money features a portrait of a former President of the United States, but two bills currently issued by the U.S. government do not:

  • Alexander Hamilton is pictured on the $10 bill. Alexander Hamilton was NOT a U.S. President, and the $10 bill is the lowest value paper money in the U.S. that does not feature a portrait of a past president. (Hamilton was Secretary of the Treasury under George Washington and was the driving force behind the creation of the U.S. banking system.)
  • Benjamin Franklin is pictured on the $100 bill. The $100 bill is the highest value U.S. paper money being issued today that does not have a portrait of a U.S. president. (Actually, the $100 bill is currently the highest value paper money being issued at all in the United States.)

The five other paper money bills currently issued DO feature former presidents:

  • Ulysses S. Grant is pictured on the $50 bill. Ulysses Grant was the 18th U.S. President, serving from 1869 to 1877. He was also the Commanding General of the Union forces in the U.S. Civil War, making him a hero around the country and propelling him into the presidency.
  • Andrew Jackson is pictured on the $20 bill. Andrew Jackson was the 7th U.S. President, serving from 1829 to 1837.
  • Abraham Lincoln is pictured on the $5 bill. Lincoln was the 16th U.S. President from 1861 until he was assassinated in 1865. Lincoln was President throughout the U.S. Civil War, and is perhaps the most famous of all U.S. Presidents other than George Washington.
  • Thomas Jefferson is pictured on the $2 bill. Jefferson was the third U.S. President, serving from 1801 to 1809. While the $2 bill is still issued in the United States, it is fairly rare to see one in actual circulation.
  • George Washington is pictured on the $1 bill. Washington was of course the first U.S. President, from 1789 to 1797, as well as being the major military hero of the American Revolution.

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Best Buy Credit Card Approval Odds & Credit Score Needed

Best Buy offers three credit cards (in partnership with Citi), which is actually a little confusing, so be careful, especially if you have a lower credit score, because one of their cards has a $59 annual fee. With three Best Buy credit cards targeting a range of customers in different credit score ranges, your chances of approval are high. But the question is: what credit score is needed for each card?

One Application, Three Possible Best Buy Credit Cards

When you apply, you’re going to be considered first for the no-annual-fee My Best Buy Visa Platinum, which can be used at Best Buy and anywhere else that Visa is accepted. To qualify for this card, you’ll probably need a 650 credit score to feel good about your approval odds, though it’s possible you’d be approved slightly below that score.

Now, if your application is denied for that card, you would then automatically be considered for one of Best Buy’s other credit cards (no need to fill out another application):

  • The My Best Buy store credit card, only accepted at Best Buy. This one has no annual fee, or…
  • The My Best Buy Visa Gold, which is accepted at Best Buy and anywhere else that takes Visa, BUT has a $59 annual fee that you might not want to pay!

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Best Credit Cards with No Annual Fee and No Foreign Transaction Fee – September 2022

Many credit cards charge you a 3% fee for international purchases, especially if your card does not have an annual fee. But not all credit cards! Here’s a list of credit cards with no annual fee that don’t charge the dreaded foreign transaction fee when traveling overseas:

Capital One SavorOne Cash Rewards Credit CardWhy We Like It Best: Offers generous cash back in everyday categories where you are likely to be doing real spending, with no annual fee and no foreign transaction fees! Earn 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases. EARLY SPEND BONUS: Earn a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening.

 

SoFi Credit Card – Why We Like It: Simple cash back formula at a high rewards level. You’ll earn 2% cash back on every purchase with the card IF you redeem your rewards into A SoFi savings or investing account, or use the cash to pay down an eligible loan with SoFi. If you don’t already have a SoFi account, you can earn a bonus for opening a SoFi savings and/or investing account to have that cash back deposited in to. No annual fee and, of course, no foreign transaction fee.

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List of All American Express Fine Hotels + Resorts (and The Hotel Collection)

The American Express travel programs, “Fine Hotels + Resorts” and “The Hotel Collection”, offer rebates and perks at certain hotels if you are a holder of The Platinum Card or the American Express Gold Card. Below is the complete list of all Fine Hotels + Resorts and The Hotel Collection properties worldwide:

United States

Alabama

  • 106 Jefferson Hotel – Huntsville (The Hotel Collection)
  • Grand Bohemiam Hotel, Mountain Brook – Mountain Brook (The Hotel Collection)
  • The Valley Hotel – Homewood (The Hotel Collection)

Arizona

  • Amara Resort & Spa – Sedona (The Hotel Collection)
  • Andaz Scottsdale Resort & Bungalows – Scottsdale (Fine Hotels + Resorts)
  • Arizona Biltmore – Phoenix (Fine Hotels + Resorts)
  • Boulders Resort & Spa, Scottsdale – Carefree (The Hotel Collection)
  • Canopy by Hilton Scottsdale Old Town – Scottsdale (The Hotel Collection)
  • Canopy by Hilton Tempe Downtown – Tempe (The Hotel Collection)
  • Castle Hot Springs – Morristown (Fine Hotels + Resorts)
  • Enchantment Resort – Sedona (Fine Hotels + Resorts)
  • Fairmont Scottsdale – Scottsdale (The Hotel Collection)
  • Four Seasons Resort Scottsdale – Scottsdale (Fine Hotels + Resorts)
  • Hacienda Del Sol Guest Ranch Resort – Tucson (The Hotel Collection)
  • Hyatt Regency Scottsdale Resort – Scottsdale (The Hotel Collection)
  • JW Marriott Desert Ridge Resort – Phoenix (The Hotel Collection)
  • Kimpton Hotel Palomar – Phoenix (The Hotel Collection)
  • L’Auberge de Sedona – Sedona (Fine Hotels + Resorts)
  • Loews Ventana Canyon Resort – Tucson (Fine Hotels + Resorts)
  • Miraval Arizona – Tucson (Fine Hotels + Resorts)
  • Mountain Shadows – Paradise Valley (The Hotel Collection)
  • Omni Scottsdale Resort – Paradise Valley (The Hotel Collection)
  • Omni Tucson National Resort – Tuscon (The Hotel Collection)
  • Royal Palms Resort – Phoenix (Fine Hotels + Resorts)
  • Sanctuary Camelback Mountain – Paradise Valley (Fine Hotels + Resorts)
  • Tempe Mission Palms – Tempe (The Hotel Collection)
  • The Canyon Suites at The Phoenician – Scottsdale (Fine Hotels + Resorts)
  • The Hermosa Inn – Paradise Valley (The Hotel Collection)
  • The Phoenician – Scottsdale (Fine Hotels + Resorts)
  • The Ritz-Carlton Dove Mountain – Marana (Fine Hotels + Resorts)

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Best Chase Credit Cards 2022

Chase offers a range of consumer and business credit cards that target different customers based on rewards preferences and credit history. Below we offer our ranking of the “best” Chase credit cards:

Chase Consumer Credit Cards:

Chase Freedom Flex℠ – Why We Like It: Good everyday earnings, plus the opportunity to earn 5% cash back in certain purchases throughout the year, all with no annual fee! Earn: 5% on up to $1,500 in combined purchases in bonus categories each quarter you activate, 5% on travel purchased through Chase Ultimate Rewards, 3% on dining at restaurants, including takeout and eligible delivery services, 3% on drugstore purchases, 1% on all other purchases. NEW CARDHOLDER BONUS OPPORTUNITY: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.

 

Chase Freedom Unlimited®Why We Like It: Good cash-back on everyday categories, and a nice “catch all” reward rate on other purchases, with no annual fee. Earn 5% on travel purchased through the Chase Ultimate Rewards travel booking tool, 3% on dining at restaurants (including takeout and eligible delivery services), 3% on drugstore purchases, and 1.5% on all other purchases. INTRO OFFER FOR NEW CARDHOLDERS: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year). Could be worth up to $300 cash back 👀

 

Chase Sapphire Preferred® – This $95 annual fee card recently beefed up its rewards (including 3 points per dollar on dining purchases and 5x/10x on most travel when booked through Chase’s travel portal), making it attractive as an everyday credit card. It’s maybe even more attractive, though, as the foundation to a larger strategy of obtaining multiple Chase cards and combining points to redeem at a 25% premium through Chase’s travel booking site or to get access to Chase travel transfer partners including United, Southwest, Hyatt, Marriott and more.

NEW CARDHOLDER BONUS OPPORTUNITY: Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. (Worth $750 in travel when redeemed through Chase Ultimate Rewards®.)

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Mortgage Rates Today

As of September 16, 2022, the average 30-year fixed mortgage rate is 6.14% APR. The average 15-year fixed mortgage rate is 5.36% APR. Other key current rates are listed in the table below:

Mortgage Type Interest Rate
30-Year Fixed-Rate Mortgage 6.14% APR
20-Year Fixed-Rate Mortgage 5.88% APR
15-Year Fixed-Rate Mortgage 5.36% APR
7 Year ARM (Adjustable-Rate) 5.45% APR
5 Year ARM (Adjustable-Rate) 5.34% APR
30-Year FHA 6.17% APR
30-Year VA 5.55% APR
30-Year Jumbo 5.80% APR
15-Year Jumbo 5.34% APR

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Best Gas Credit Cards – September 2022

What are the best credit cards for gas purchases? Here’s where you’ll get the best rewards & rebates:

Citi Custom Cash℠ CardWhy It’s Best: One of our very favorite no-annual-fee credit cards on the market, because it lets you earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent. Because the categories eligible for the 5% rebate include gas stations, all you have to do is make sure you spend more at gas stations than in any other category to earn 5% back on those gas purchases. Note that purchases beyond $500 per billing cycle in your top eligible spend category, as well as purchases in any other category, earn 1% cash back.  NEW CARDHOLDER WELCOME BONUS OPPORTUNITY: Earn $200 cash back after you spend $1500 on purchases in the first 6 months of account opening.

 

Blue Cash Everyday® Card from American ExpressWhy It’s Good For Gas: This no-annual fee card lets you earn 3% cash back on gas at U.S. gas stations on up to $6,000 per year in purchases (then 1%), PLUS 3% cash back on groceries at U.S. supermarkets on up to $6,000 per year in purchases (then 1%), PLUS 3% cash back on U.S. online retail purchases on up to $6,000 per year in purchases (then 1%), and 1% cash back on other purchases. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit. NEW CARDHOLDER WELCOME BONUS OPPORTUNITY: Earn a $200 statement credit after you spend $2,000 in purchases within the first 6 months. See Rates & Fees. Terms Apply. American Express is a ProudMoney advertiser.

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