BEST 1 CREDIT CARD SETUPS 2022! (Best Catch All Credit Cards)

Do you prefer using only 1 credit card? Or do you like to use a few credit cards together? Either way, here are my TOP PICKS for the best standalone credit cards (that also work as part of a bigger credit card strategy). Click “Show More” to see Ad Disclosure.

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CREDIT CARD #1: CAPITAL ONE SAVORONE

Welcome Offer (March 2022)
Earn $200 cash back after spending $500 on purchases within the first 3 months, PLUS 0% APR for the first 18 months on purchases & balance transfers, then 14.99% to 24.99% variable APR.

Annual Fee = $0

Rewards
- 8% Vivid Seats: Valid thru Jan. 31, 2023
- 3% Dining
- 3% Entertainment
- 3% Streaming Services
- 3% Grocery Stores
- 1% Other Purchases

Main Benefits
- Capital One Dining
- Capital One Entertainment (music events, sporting events, etc.)
- Capital One Offers
- No Foreign Transaction Fees
- Protections

CREDIT CARD #2: PNC CASH REWARDS VISA

Welcome Offer (March 2022)
0% APR for the first 12 months on balance transfers, then 13.99% to 24.99% variable APR.

Annual Fee = $0

Rewards
- 4% Gas Stations*
- 3% Dining at Restaurants*
- 2% Grocery Stores*
- 1% Other Purchases
* On the first $8,000 in combined purchases each year

Main Benefits
- Dedicated U.S.-Based Customer Service
- Contactless Technology
- Fraud Protection / Zero Liability Protection
- PNC Easy Lock®

CREDIT CARD #3: CITI PREMIER CARD

Welcome Offer (March 2022)
Earning 60,000 points after spending $4,000 on purchases within the first 3 months. Avg. value = $600+ towards travel.

Annual Fee = $0

Rewards
- 3X Flights
- 3X Hotels
- 3X Restaurants
- 3X Supermarkets
- 3X Gas Stations
- 1X Other Purchases

Main Benefits
- $100 Annual Hotel Savings Benefit
- Transfer Partners
- No Foreign Transaction Fees

CREDIT CARD #4: CHASE SAPPHIRE PREFERRED

Welcome Offer (March 2022)
Earn 60,000 points after spending $4,000 on purchases within the first 3 months. Avg. value = $750+ towards travel.

Annual Fee = $95

Rewards
- 5X Travel (Portal)
- 3X Online Grocery | Excl. Target, Walmart, Wholesale Clubs
- 3X Dining
- 3X Select Streaming
- 2X Travel (Non-Portal)
- 1X Other Purchases

Main Benefits
- $50 Anniversary Hotel Credit
- 10% Anniversary Points Bonus
- Transfer Partners
- Visa Signature Luxury Hotel Collection
- Partner Benefits: DoorDash, Peloton, Lyft
- Protections
- No Foreign Transaction Fees

CREDIT CARD #5: HILTON HONORS AMERICAN EXPRESS SURPASS

Welcome Offer (March 2022)
Earn 130,000 points, plus a Free Night Award, after spending $2,000 on purchases within the first 3 months. Avg. value = $850+ towards Hilton hotels.

Annual Fee = $95

Rewards
- 12X Hilton
- 6X U.S. Supermarkets
- 6X U.S. Restaurants
- 6X U.S. Gas Stations
- 3X Other Purchases

Main Benefits
- Hilton Honors Gold Status
- Hilton Honors Diamond Status: Spend $40K in 1 calendar year
- Weekend Night Reward: Spend $15K in 1 calendar year
- Priority Pass Select: 10 free lounge visits per year (excl. partner restaurants)
- ShopRunner Membership
- Protections
- No Foreign Transaction Fees

CREDIT CARD #6: AMEX BLUE CASH PREFERRED

Welcome Offer (March 2022)
Earn $300 cash back after spending $3,000 on purchases within the first 6 months. Plus, 0% APR for the first 12 months on purchases, then 13.99% to 23.99% variable APR.

Annual Fee = $0 intro fee in Year 1, then $95

Rewards
- 6% U.S. Supermarkets: Up to $6K spent / yr.
- 6% Select U.S. Streaming
- 3% Transit
- 3% U.S. Gas Stations
- 1% Other Purchases

Main Benefits
- $120 Equinox+ Credit
- ShopRunner
- Protections

CREDIT CARD CATEGORY #7: 2% CASH BACK CREDIT CARDS / 2X POINT CREDIT CARDS
- Citi Double Cash
- Wells Fargo Active Cash
- SoFi Credit Card
- Fidelity Rewards Visa Signature
- Paypal Cashback Mastercard
- Amex Blue Business Cash
- Amex Blue Business Plus
- Capital One Spark Business Cash Select (2%)
- Capital One Venture
- Capital One Venture X
- TD Double Up
- TD Business Solutions

Disclosure: This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor.

#bestcreditcards #creditcardrewards #creditcardstrategy