The 5 best credit cards of 2022: Top cards compared

While all of the cards collected here are great options, the best overall credit card for consumers is the Blue Cash Preferred from American Express. It's incredibly rewarding and covers essential purchases like gas and groceries. It does carry an annual fee, but you'll hardly notice it thanks to its high cash back rate. It might not have the most impressive collection of benefits, but the cash back rate for necessary purchases is too good to pass up.

Considering that the cost of gas and food is increasing, having a card that can put some money back into your pocket for purchases you need to make regardless of the price is very valuable. And with a little extra work, you can earn 5% cash back at your favorite retailers simply by purchasing gift cards from your local grocery store.

It's benefits, while not as impressive as The Platinum Card, will still prove useful for cardholders. Your new purchases will be covered against damage and theft for 90 days, you can keep an eye on your VantageScore 3.0 credit score, plus take advantage of free two-day shipping with qualifying merchants thanks to the card's ShopRunner membership.

However, if you're still not sold, coming in second would be the Chase Sapphire Preferred. It's a lucrative card with tons to offer, but it takes some work to get the best value and is primarily travel focused, which makes it less accessible to the average consumer.

No matter which card you choose, however, you'll find a good deal of value and utility. Take a look at all of the best credit cards, side-by-side, and choose the one that would best suit your needs.