What are the best credit cards for 2022?

We review over 100 credit cards and cover the following card types:

• Cashback credit cards
• Reward credit cards
• Balance transfer cards
• Purchase cards
• Credit repair cards

The first four categories are reviewed together and are listed under the best five- and four-star personal credit cards.  In addition, we also rate credit repair cards as a separate category.

We look at the credit cards and assess their product features and the scale of any penalties or fees associated with the cards. We also assess their additional services and ongoing benefits.

Those with the widest range of features and benefits will be awarded a top rating of five stars, with those that are close, but with a little more to do, achieving four stars.

The ratings provided by Moneyfacts are an indication of which cards offer consumers the best range of product features and benefits. When looking for a credit card you should still do your own research and check that any card you are looking at meets your needs.

For 2022, the following credit cards received the top rating of five stars. These have the strongest range of features of all credit cards currently in the market.

• AIB - AIB Visa Option 1
• American Express - American Express Platinum Cashback Card
• American Express - American Express Platinum Cashback Everyday Card
• American Express - American Express Preferred Rewards Gold Credit Card
• American Express - American Express Rewards Credit Card
• American Express - British Airways American Express Card
• American Express - British Airways American Express Premium Plus
• American Express - Marriott Bonvoy™ American Express Credit Card
• American Express - The American Express Nectar Credit Card
• American Express - Vitality American Express Credit Card
• Barclaycard - Barclaycard Platinum 15 Month No Fee Balance Transfer Visa
• Barclaycard - Barclaycard Platinum 24 Month Balance Transfer Visa
• Barclaycard - Barclaycard Platinum All-Rounder Visa
• Barclaycard - Barclaycard Rewards Visa
• Halifax - Halifax 0% Purchase and Balance Transfer Mastercard
• Halifax - Halifax Clarity Credit Card Mastercard
• Halifax - Halifax Credit Card Mastercard
• Halifax - Halifax Longest 0% Balance Transfer Credit Card Mastercard
• HSBC - HSBC Premier Credit Card Mastercard
• HSBC - HSBC Premier World Elite Mastercard
• M&S Bank - M&S Bank Reward Offer Mastercard
• M&S Bank - M&S Bank Shopping Plus Mastercard
• M&S Bank - M&S Bank Transfer Plus Mastercard
• Metro Bank - Metro Bank Personal Credit Card Mastercard
• Nationwide BS - Nationwide Member Credit Card All Rounder Visa
• Nationwide BS - Nationwide Member Credit Card Balance Transfer Visa
• NatWest - NatWest Balance Transfer Credit Card Mastercard
• NatWest - NatWest Credit Card Mastercard
• NatWest - NatWest Reward Black Credit Card Mastercard
• NatWest - NatWest Reward Credit Card Mastercard
• Royal Bank of Scotland - Royal Bank of Scotland Balance Transfer Credit Card Mastercard
• Royal Bank of Scotland - Royal Bank of Scotland Reward Black Credit Card Mastercard
• Royal Bank of Scotland - Royal Bank of Scotland Reward Credit Card Mastercard
• Royal Bank of Scotland - Royal Bank of Scotland Royal Bank Credit Card Mastercard
• Santander - Santander All in One Credit Card Mastercard
• Santander - Santander World Elite Mastercard
• Tesco Bank - Tesco Bank 15 Month All Round Clubcard Credit Card Mastercard
• Tesco Bank - Tesco Bank Clubcard Credit Card Balance Transfer and Purchase Mastercard
• Tesco Bank - Tesco Bank Clubcard Credit Card for 26 Months Balance Transfer Mastercard
• Tesco Bank - Tesco Bank Clubcard Credit Card Purchases Mastercard
• Tesco Bank - Tesco Bank Clubcard Credit Card with Low APR Mastercard
• Tesco Bank - Tesco Bank Clubcard Plus Credit Card Mastercard
• Ulster Bank - Ulster Bank Balance Transfer Credit Card Mastercard
• Ulster Bank - Ulster Bank Credit Card Mastercard
• Virgin Money - Virgin Money 12 Month All Round Credit Card Mastercard
• Virgin Money - Virgin Money 16 Month Balance Transfer Credit Card Mastercard
• Virgin Money - Virgin Money Virgin Atlantic Reward Credit Card
• Virgin Money - Virgin Money Virgin Atlantic Reward Plus Credit Card

• Bank of Scotland - Bank of Scotland Platinum 0% Purchase and Balance Transfer Mastercard
• Bank of Scotland - Bank of Scotland Platinum Low Fee 0% Balance Transfer Mastercard
• Bank of Scotland - Bank of Scotland Platinum Low Rate Mastercard
• Danske Bank - Danske Bank Standard Mastercard
• HSBC - HSBC Rewards Credit Card Mastercard
• Lloyds Bank - Lloyds Bank Platinum 0% Purchase and Balance Transfer Mastercard
• Lloyds Bank - Lloyds Bank Platinum Low Fee 0% Balance Transfer Mastercard
• Lloyds Bank - Lloyds Bank Platinum Low Rate Mastercard
• MBNA Limited - MBNA Limited 0% Transfer and Purchase Credit Card Mastercard
• MBNA Limited - MBNA Limited Long 0% Balance Transfer Credit Card Mastercard
• MBNA Limited - MBNA Limited Long 0% Money Transfer Credit Card Mastercard
• MBNA Limited - MBNA Limited Low Fee 0% Balance Transfer Mastercard
• NatWest - NatWest Purchase & Balance Transfer Credit Card Mastercard
• Royal Bank of Scotland - Royal Bank of Scotland Purchase & Balance Transfer Credit Card Mastercard
• Sainsbury's Bank - Sainsbury's Bank 18 Month Low Balance Transfer Fee Credit Card Mastercard
• Sainsbury's Bank - Sainsbury's Bank 26 Month Balance Transfer Credit Card Mastercard
• Sainsbury's Bank - Sainsbury's Bank 29 Month Balance Transfer Credit Card Mastercard
• Sainsbury's Bank - Sainsbury's Bank Dual Offer Credit Card Mastercard
• Sainsbury's Bank - Sainsbury's Bank Nectar Dual Offer Credit Card Mastercard
• Sainsbury's Bank - Sainsbury's Bank Nectar Reward Credit Card Mastercard
• Ulster Bank - Ulster Bank Purchase & Balance Transfer Credit Card Mastercard
• Virgin Money - Virgin Money 19 Month All Round Credit Card Mastercard
• Virgin Money - Virgin Money 27 Month Balance Transfer Credit Card Mastercard
• Virgin Money - Virgin Money 29 Month Balance Transfer Credit Card Mastercard
• Virgin Money - Virgin Money Travel Credit Card Mastercard

• 118 118 Money - 118 118 Money Guaranteed Rate Card Mastercard
• Barclaycard - Barclaycard Better Together Initial Visa
• Barclaycard - Barclaycard Forward Credit Card Visa
• HSBC - HSBC Classic Credit Card Visa
• Tesco Bank - Tesco Bank Foundation Clubcard Credit Card Mastercard

• Capital One - Capital One Classic Complete Mastercard
• Capital One - Capital One Classic Mastercard
• Capital One - Capital One Classic Platinum Mastercard
• Ocean Finance - Ocean Credit Card Mastercard
• Post Office Money® - Post Office Money® Classic Credit Card Mastercard

• American Express - The American Express Green Card
• American Express - The Platinum Card

• Coutts & Co - Coutts and Co Silk Charge Mastercard