Best Credit Cards of 2021

*Editorial Note: This content is not provided or commissioned by the credit card issuer. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

It’s no secret you can earn hundreds of dollars in credit card rewards every year. 

Yet, many people stick with the same card year after year and miss out on valuable benefits they want. Sound familiar?

  • Fact: Banks doubled their spending on credit card rewards since 2010. There’s an excellent chance you can get a much better deal.

Make the switch and start enjoying rewards you will use. Choose a $150 cash sign-up bonus or 80,000 points worth up to $1,000 in travel. As an extra bonus some of these cards offer 0% introductory interest for over a year. That means you could save hundreds of dollars in interest if you’ve got a big purchase coming up or on a balance transfer.

There’s never been a better time to get a new credit card. Stop missing out. Find your perfect fit and apply below.

Citi® Diamond Preferred® Card

Apply Now

on Citibank's secure site

Call To Apply
 

Rated 5/5 stars by our editorial team

Click the stars to submit your rating.

Thanks for rating!

Your Rating:

4.3/5.0 from 862 Offer Ratings
Over the Past 60 Days!

(862) Over the Past 60 Days!
Show Details

This card is perfect for people looking to get out of debt with intro APR 0% for 18 months on Balance Transfers. With this 0% intro APR, you can pay off your balance interest free for almost two years. If you have a big purchase, event or trip coming up, the Citi® Diamond Preferred® Card comes with an amazing 0% for 18 months on Purchases. That means you can take a full year to pay down your balance without worrying about interest piling up.


Enjoy extra features that are usually only available on premium high-annual fee cards. Get free access to your FICO® score online. With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more. This card has a $0 annual fee.

Bank of America® Cash Rewards credit card

Apply Now

on Bank of America's secure site

 

Rated 5/5 stars by our editorial team

Click the stars to submit your rating.

Thanks for rating!

Your Rating:

4.7/5.0 from 214 Offer Ratings
Over the Past 60 Days!

(214) Over the Past 60 Days!
Show Details

If you’re looking to take control of how you earn credit card rewards, the Bank of America® Cash Rewards credit card is hard to ignore. This card’s stand-out feature is its three-tiered rewards program – you can earn 3% cash back in the category of your choice, 2% cash back at grocery stores and wholesale clubs for the first $2,500 in combined choice category/grocery store/wholesale club quarterly purchases, 1% cash back on all other purchases and, if you’re a new cardholder, $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening. Since you can change that 3% cash back category each month, you can maximize your cash back without having to wait for the right rewards category to roll around.


But this card isn’t just a winner when it comes to rewards. The Bank of America® Cash Rewards credit card also offers lengthy periods of 0% intro APR on purchases and balance transfers. Enjoy 0% Introductory APR on purchases for 12 billing cycles and then 13.99% - 23.99% Variable APR after that to help you pay off big ticket items without running up a large interest bill. And if you’re looking to consolidate debt, get 0% Intro APR for 12 billing cycles for any balance transfers made in the first 60 days and then 13.99% - 23.99% Variable APR after that intro period is up. Even better, because this card comes with a $0 annual fee, you can focus on earning cash back and not on paying down fees.

Citi® Double Cash Card – 18 month BT offer

Apply Now

on Citibank's secure site

Call To Apply
 

Rated 5/5 stars by our editorial team

Click the stars to submit your rating.

Thanks for rating!

Your Rating:

4.6/5.0 from 536 Offer Ratings
Over the Past 60 Days!

(536) Over the Past 60 Days!
Show Details

The Citi Double Cash Credit Card, from our partner Citi, is the perfect card for earning cash back on all purchases without having to follow category restrictions throughout the year. What makes this card so unique is the ability for consumers to earn additional cash back just for making on-time payments.


With this card, you’re basically earning double cash back for doing what you already do on a monthly basis; making purchases and paying your bill. What’s more, you don’t need to enroll in any program and there’s no cap on the cash back you can earn. Cardmembers will also enjoy an intro APR of 0% for 18 months on Balance Transfers. The on-going interest rate is 13.99% – 23.99% (Variable) based on your creditworthiness and you pay no annual fee.

Discover it® Cash Back

Apply Now

on Discover's secure site

 

Rated 4.5/5 stars by our editorial team

Click the stars to submit your rating.

Thanks for rating!

Your Rating:

3.7/5.0 from 549 Offer Ratings
Over the Past 60 Days!

(549) Over the Past 60 Days!
Show Details

When it comes to cash-back credit cards the Discover it® Cash Back is in a league of its own. 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate, 1% unlimited cash back on all other purchases - automatically


Enjoy Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300. That means, if you earn $300 in cash back in your first year, Discover will match it, making your total cash back for the year $600!


Log into your Discover account each quarter to activate the 5% cash-back bonus. The popular spending categories include gas stations, wholesale clubs, grocery stores, restaurants and Amazon.com. With your first-year sign-up bonus, take home an incredible 10% cash back on category spending. Finance purchases with intro APR 0% for 14 months, then 11.99% - 22.99% Variable APR after that. Get all this for $0 annual fee.

Discover it® Miles

Apply Now

on Discover's secure site

 

Rated 4.5/5 stars by our editorial team

Click the stars to submit your rating.

Thanks for rating!

Your Rating:

3.7/5.0 from 107 Offer Ratings
Over the Past 60 Days!

(107) Over the Past 60 Days!
Show Details

Attention travelers! Hop on board the Discover it® Miles and buckle your seat belt. This $0 annual fee card soars above other cards with one of the most lucrative travel sign-up bonuses available. If you have a big purchase coming up, rely on the long intro APR: 0% intro for 14 months, with 11.99% - 22.99% Variable APR after that, when you pack this card in your wallet. That means you have over a year to pay off a balance with no interest payments piling up.


Here’s how the Discover it® Miles helps you take flight: Only Discover will automatically match all the Miles you’ve earned at the end of your first year. For example, if you earn 35,000 Miles, you get 70,000 Miles. There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match. This first-class card offers Earn unlimited 1.5x Miles for every dollar spent on all purchases - with no annual fee.. With the sign-up bonus, that means you will earn 3 Miles for every $1 you spend during your first year, which is an incredible rate. Use this card for all your everyday expenses and you could earn a massive year-end bonus, while enjoying the flexibility of long 0% intro interest.

Capital One Quicksilver Cash Rewards Credit Card

Apply Now

on Capital One's secure site

 

Rated 4.5/5 stars by our editorial team

Click the stars to submit your rating.

Thanks for rating!

Your Rating:

3.7/5.0 from 198 Offer Ratings
Over the Past 60 Days!

(198) Over the Past 60 Days!
Show Details

You will earn cash on everything you buy, everywhere with this card. The Capital One Quicksilver Cash Rewards Credit Card pays you unlimited 1.5% cash back on every purchase, every day. Earn cash in two ways. First, earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening. Second, you'll take home unlimited 1.5% cash back on every purchase, every day.


Take advantage of 0% intro on purchases for 15 months to give you breathing room to pay it off with no interest piling up. Get the flexibility you deserve with your cash back rewards. There is no minimum for redeeming and cash back won't expire for the life of the account. This card is a great choice for international travelers! No foreign transaction fees. There is $0 annual fee. Don’t worry if your credit isn’t perfect, this card is designed for people with Excellent/Good credit.

Chase Freedom Unlimited®

Apply Now

on Chase's secure site

 

Rated 4/5 stars by our editorial team

Click the stars to submit your rating.

Thanks for rating!

Your Rating:

3.7/5.0 from 184 Offer Ratings

(184)
Show Details

Chase Freedom Unlimited® comes with generous 0% intro APR on purchases. The standout features that set this card apart from some other low interest offers are the rich cash rewards. Earn 5% cash back on travel purchased through Chase, 3% on dining and drugstores, and 1.5% on all other purchases. Enjoy a sign-up bonus— Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.


Plus, you get flexibility with 0% Intro APR for 15 months on purchases. This is an enticing card offer with a long 0% intro APR period. The cash-back gives you an extra boost and can help you reach your goals faster.

Citi Rewards+℠ Card

Apply Now

on Citibank's secure site

 

Rated 5/5 stars by our editorial team

Click the stars to submit your rating.

Thanks for rating!

Your Rating:

4.3/5.0 from 90 Offer Ratings
Over the Past 60 Days!

(90) Over the Past 60 Days!
Show Details

Earn more points on every purchase (even the little ones). The Citi Rewards+℠ Card is the only card that automatically rounds up every purchase to the nearest 10 points. That means when you buy a $2 coffee, you’d earn 10 points back. You also get 10% points back for the first 100,000 ThankYou® Points redeemed per year. This attractive new rewards card from Citi includes long zero intro interest periods on both purchases and balance transfers, and a nice sign-up bonus, all with $0 annual fee.


Cardholders Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases. There is a low spending requirement to earn the sign-up bonus. Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com. Take advantage of intro APR 0% for 15 months on purchases, then 13.49% - 23.49% (variable) and intro APR 0% for 15 months on balance transfers, then 13.49% - 23.49% (variable). Our take? This is a great everyday rewards card.

Discover it® chrome

Apply Now

on Discover's secure site

 

Rated 4/5 stars by our editorial team

Click the stars to submit your rating.

Thanks for rating!

Your Rating:

3.7/5.0 from 87 Offer Ratings
Over the Past 60 Days!

(87) Over the Past 60 Days!
Show Details

If you like 0% intro APR on purchases and balance transfers for over a year, no annual fee, no foreign transaction fees, no overlimit fee, and a free pass the first time you miss a payment, the Discover it® chrome credit card comes with everything you want! Cardholders get an intro APR of 0% intro for 14 months on both purchases and balance transfers, then 11.99% - 22.99% variable. With the Discover it® chrome credit card you can earn cash back on your next road trip with 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter. plus, earn unlimited 1% cash back on all other purchases – automatically. Rewards can be redeemed at any time and never expire.


As an exclusive offer, Discover will automatically match all the cash back you've earned at the end of your first year of cardmembership. In addition to the host of cash back opportunities, this credit card also offers a free Credit Scorecard with FICO® Credit Score.

Chase Sapphire Preferred® Card

Apply Now

on Chase's secure site

 

Rated 4/5 stars by our editorial team

Click the stars to submit your rating.

Thanks for rating!

Your Rating:

3.7/5.0 from 70 Offer Ratings
Over the Past 60 Days!

(70) Over the Past 60 Days!
Show Details

This five-star travel rewards card is easy to use and comes with one of the best sign up bonuses available. Start planning your next vacation now with help from this travel card's sign-up bonus: Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®. Earn 2X points on dining at restaurants including eligible delivery services, takeout and dining out and travel & 1 point per dollar spent on all other purchases worldwide


Cash in points on hotels, airfare, and even car rentals or cruises with this flexible travel card. No blackout dates. Your points are worth 25% more when you book airfare, hotels or car rentals through the easy to use Chase Ultimate Rewards® travel portal. There are no foreign transaction fees. The annual fee is $95. You could easily earn more than that with the high rewards rate on this card.

Southwest Rapid Rewards® Plus Credit Card

Apply Now

on Chase's secure site

 

Rated 4/5 stars by our editorial team

Click the stars to submit your rating.

Thanks for rating!

Your Rating:

4.0/5.0 from 7 Offer Ratings
Over the Past 60 Days!

(7) Over the Past 60 Days!
Show Details

If you fly Southwest Airlines, this card offers valuable and easy to earn rewards even on everyday spending. Take flight fast after you earn a generous sign-up bonus: Earn up to 80,000 points. Earn 50,000 points after you spend $2,000 on purchases in the first 3 months. Earn an additional 30,000 points after you spend $10,000 on purchases in the first 9 months. Rack up rewards fast when you earn 2 points per $1 spent on Southwest® purchases and Rapid Rewards® hotel and car rental partner purchases. 1 point per $1 spent on all other purchases.


All points earned count towards the popular Companion Pass. Enjoy ultimate flexibility with no blackout dates or seat restrictions when you redeem rewards. There is an annual fee of $69, which if offset by the 3,000 bonus points rewarded after your Cardmember anniversary.

U.S. Bank Altitude® Go Visa Signature® Card

Apply Now

on U.S. Bank's secure site

 

Rated 4/5 stars by our editorial team

Click the stars to submit your rating.

Thanks for rating!

Your Rating:

3.7/5.0 from 106 Offer Ratings
Over the Past 60 Days!

(106) Over the Past 60 Days!
Show Details

The U.S. Bank Altitude® Go Visa Signature® Card has exploded onto the market with incredibly competitive offers for anyone looking for a great credit card. Earn 4X points on dining, takeout and food delivery, 2X points at grocery stores, grocery delivery, streaming services and gas stations, and 1X points on all other eligible purchases. As if that wasn’t enough, this card also has a strong sign-up bonus. Earn 25,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening.


And while this card has very compelling rewards on offer, the U.S. Bank Altitude® Go Visa Signature® Card also makes transferring your current credit card balance easy with 0% introductory APR for the first 12 billing cycles for balances transferred within 60 days from account opening and a 14.99% - 23.99%* (Variable) rate after that intro period.


Plus, all of this is included with no annual fee and the points you’ve earned never expire. If you’re in the market for a card that covers all the bases with very few compromises, this is an outstanding choice.

Chase Freedom Flex℠

Apply Now

on Chase's secure site

 

Rated 4.5/5 stars by our editorial team

Click the stars to submit your rating.

Thanks for rating!

Your Rating:

3.7/5.0 from 338 Offer Ratings
Over the Past 60 Days!

(338) Over the Past 60 Days!
Show Details

The Chase Freedom Flex℠ card has made a huge splash in the marketplace with one of the most generous suites of cashback rewards we’ve ever seen: Earn 5% cash back on eligible purchases in rotating categories, 5% on travel purchased through Chase, 3% on dining and drugstores, and 1% on all other purchases. No matter where you use this card, there are almost always opportunities to put cash back in your pocket. Plus, Chase Freedom Flex℠ can also be a great way to finance a large upcoming expense or big-ticket item with 0% Intro APR on Purchases for 15 months and then 14.99% - 23.74% Variable APR after that. That gives you over a year to pay off your purchase without monthly interest charges adding up.


And did we mention that this all comes with a very compelling sign-up bonus and a $0 annual fee? Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening. All that combines to make this a truly amazing cashback card.

Wells Fargo Cash Wise Visa® card

Apply Now

on Wells Fargo's secure site

 

Rated 4/5 stars by our editorial team

Click the stars to submit your rating.

Thanks for rating!

Your Rating:

3.9/5.0 from 13 Offer Ratings
Over the Past 60 Days!

(13) Over the Past 60 Days!
Show Details

The Wells Fargo Cash Wise Visa® card shines right from the start with a solid cash sign up bonus - and that bonus is easy to get. You can earn unlimited 1.5% cash rewards on purchases and take home a $150 cash rewards bonus when you spend $500 in purchases in the first 3 months. This card offers 0% intro APR for 15 months from account opening on purchases and then 14.49%-24.99% variable APR after that. You’ll also get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Cash Wise Visa® card.


Plus, your Wells Fargo card cash rewards won't expire as long as your account remains open and you'll never worry about rotating categories when you earn rewards on all purchases with this card in your wallet. On top of that, get all this for $0 annual fee! If you’re looking for an easy to use cash back card, a big sign-up bonus and long 0% intro APR on purchases, this is a great option for you.

Wells Fargo Platinum card

Apply Now

on Wells Fargo's secure site

 

Rated 4/5 stars by our editorial team

Click the stars to submit your rating.

Thanks for rating!

Your Rating:

3.8/5.0 from 31 Offer Ratings
Over the Past 60 Days!

(31) Over the Past 60 Days!
Show Details

Take control of your finances with the Wells Fargo Platinum card with one of the longest 0% intro APR offers on both purchases and balance transfers. This $0 annual fee card gives you long intro APR of 0% for 18 months from account opening on qualifying balance transfers and then 16.49%-24.49% (Variable) APR after that. If you only make the minimum payments on high-interest credit card debt, it could take years to pay it off. Using a card like this means every cent you pay during the intro period will go toward paying down your balance.


If you are looking to make a big purchase, you will also get an extended intro APR of 0% for 18 months from account opening on purchases with this card and then 16.49%-24.49% (Variable) APR after that intro period is up. Plus, Wells Fargo is one of the few card issuers to offer generous cell phone protection - this card offers up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly bill with your Wells Fargo Platinum card. From purchases to balance transfers, this card gives you all the tools you need to save on interest across the board.

Wells Fargo Propel American Express® card

Apply Now

on Wells Fargo's secure site

 

Rated 5/5 stars by our editorial team

Click the stars to submit your rating.

Thanks for rating!

Your Rating:

4.5/5.0 from 16 Offer Ratings
Over the Past 60 Days!

(16) Over the Past 60 Days!
Show Details

The Wells Fargo Propel American Express® card has one of the most generous sign-up bonuses available on a $0 annual fee card - and that's before even getting into its outstanding rewards program. Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months! But the rewards don't stop there. Earn 3X points on eating out, ordering in and popular streaming services, 3X points on gas stations, rideshares and transit, and 3X points on travel including flights, hotels, homestays and car rentals. Earn 1X points on other purchases. And since Wells Fargo stretches the traditional definition of travel to include items like homestays, gas stations, parking and tolls, you'll almost always have an opportunity to earn points no matter where you are.


Plus, you could save hundreds of dollars with the generous 0% intro interest period on purchases and balance transfers. Get an intro APR of 0% for 12 months from account opening on purchases and then 14.49% to 24.99% (Variable) APR once that intro period is over. And you can get an intro APR of 0% for 12 months from account opening on qualifying balance transfers and then 14.49% to 24.99% (Variable) APR after that. The earning power on this card matches and exceeds some top premium rewards cards, and all without the annual fee.

Apply Now

Make a purchase and earn. Maximize the return on your everyday spending and get the rewards you want. There’s no telling when the offers on these top cards might change. Apply now and get one of the best credit cards of 2021. 

Methodology

Each month, the CompareCards team reviews over 100 credit card offers examining the features most valuable to consumers including rewards, sign-up bonus, the interest rate, fees and other features to identify the best offers shown here.