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.

Discover it® Cash Back

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When it comes to cash-back credit cards the Discover it® Cash Back is in a league of its own. Right off the bat, you'll earn 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.


But it gets better - you can also snag 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! But this card doesn't stop at just rewards - the Discover it® Cash Back card can help you finance upcoming purchases with an intro APR of 0% for 14 months, then 11.99% - 22.99% Variable APR after that. To top it all off, you get all this for a $0 annual fee.

Citi® Diamond Preferred® Card

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This $0 annual fee card towers above others with one of the longest periods of 0% intro APR on both puchases and balance transfers available. Take advantage of ultra-long intro APR 0% for 18 months on Balance Transfers, then 14.74% - 24.74% (Variable) APR after that. And it's just as good for purchases - 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 and then 14.74% - 24.74% (Variable) APR after that. Take up to a full year to pay down your balance without worrying about interest piling up. Plus, 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.


Bottom line? This is a simple, yet very powerful credit card. If you are interested in transferring a balance to a 0% intro APR card or have a big purchase on the horizon, this is our highest rated card for anyone carrying a large balance. The extra interest-free time could allow you to make significantly more headway paying down your balance. With its long-term 0% intro APR you can save hundreds in interest charges.

Capital One Quicksilver Cash Rewards Credit Card

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If you're looking to earn cash everywhere on everything you buy, this is a card you can't miss. Why? Well, the Capital One Quicksilver Cash Rewards Credit Card pays you unlimited 1.5% cash back on every purchase, every day in two separate 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. Even better, you have incredible flexibility with those rewards - there's no minimum for redeeming and cash back won't expire for the life of the account.


But it doesn't stop there. Take advantage of 0% intro on purchases for 15 months, then 15.49% - 25.49% (Variable) APR after that to give you the breathing room to pay off big-ticket expenses without interest charges piling up. Beyond that, this card is a great choice for international travelers with no foreign transaction fees - and did we mention this all comes with a $0 annual fee? Between its compelling benefits, strong rewards rate and amazing cash back potential, it should be easy to see why this card is a top pick for just about anyone.

Citi® Double Cash Card – 18 month BT offer

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The Citi® Double Cash Card – 18 month BT offer 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 and then 13.99% – 23.99% (Variable) APR after that. Rounding out this card is an on-going interest rate of 13.99% – 23.99% (Variable) APR based on your creditworthiness all with no annual fee - this is a well-balanced card with a compelling rewards program that could find a place in just about anyone's wallet.

Bank of America® Customized Cash Rewards credit card

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If you’re looking to take control of how you earn credit card rewards, the Bank of America® Customized 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® Customized Cash Rewards credit card also offers lengthy periods of 0% intro APR on purchases and balance transfers. Enjoy 0% Intro APR for 15 billing cycles for purchases 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 15 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.

BankAmericard® credit card

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If you're looking for a break on interest, check out this top-tier $0 annual fee card. Finance a new purchase with generous 0% Intro APR for 18 billing cycles for purchases then 12.99% - 22.99% Variable APR after that intro period is up - that means no monthly interest charges will pile up for almost two years if you end up carrying a balance month-to-month. Plus, this card also helps you stop paying high interest charges on an outstanding balance with 0% Intro APR for 18 billing cycles for any balance transfers made in the first 60 days, then 12.99% - 22.99% Variable APR after that.


It's hard to overstate just how powerful the combination of these two benefits is - the lengthy periods of 0% interest on both purchases and balance transfers mean that this card helps you regain control over your financial life and puts time on your side to pay down debt faster. And unlike some other cards, there is no penalty APR, so a late payment won’t automatically raise your interest rate. This card might not have a huge suite of flashy rewards, but if you're looking to save money on interest charges the BankAmericard® credit card is hard to beat.

Blue Cash Everyday® Card from American Express

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If you want to earn generous cash back without an annual fee and you buy groceries and gas every week, this card could be a perfect match for you. Right out of the gate, new cardholders get access to an amazing welcome offer: $100 back after you spend $2,000 in purchases on your new Card within the first 6 months of Card Membership. On top of that, your rewards could add up fast when you factor in this card's top-of-the-line rewards program. 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%). 2% cash back at U.S. gas stations and at select U.S. department stores. 1% cash back on other purchases.


But this card isn't just about rewards. You can save on interest with an intro purchase APR of 0% on purchases for 15 months then 13.99%-23.99% Variable after that - that long 0% APR period means you won't have to worry about interest charges piling up for more than a year. Bottom line, this is a valuable $0 annual fee cash back card that rewards you for things you buy every day - it's just that easy.

Citi Rewards+® Card

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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) APR and intro APR 0% for 15 months on balance transfers, then 13.49% - 23.49% (variable) APR after that intro period is up. Our take? This is a great everyday rewards card.

Bank of America® Travel Rewards credit card

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With the Bank of America® Travel Rewards credit card, you'll earn 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire. But it gets even better: points can be redeemed for nearly any travel purchase in the form of a statement credit. And if that all wasn't enough, this card also comes with an outstanding welcome offer for new cardholders: 25,000 online bonus points after at least $1,000 in purchases in the first 90 days of account opening. That could turn into a $250 statement credit towards travel purchases, and it’s one of the few travel rewards cards with $0 annual fee.


This card also offers no foreign transaction fees, making it perfect for keeping costs down while traveling abroad. If you’re a frequent traveler looking for a simple yet powerful $0 annual fee card that won’t restrict your travel to certain airlines, giving you the flexibility to travel on any airline, at any time, with no blackout dates, then this card could be the ideal pick for you.

Wells Fargo Platinum card

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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% intro APR for 18 months 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% intro APR 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.

Discover it® Miles

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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 APR for 14 months, with 11.99% - 22.99% Variable APR after that - so be sure to 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. Automatically earn unlimited 1.5x Miles on every dollar of every purchase - 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.

Chase Freedom Flex℠

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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.

Chase Freedom Unlimited®

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The Chase Freedom Unlimited® card comes out of the gate with generous 0% intro APR on purchases: 0% Intro APR for 15 months, then 14.99% - 23.74% Variable APR after that. But there's more to this card than just 0% intro APR - 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.


Plus, new cardholders can enjoy a truly spectacular sign-up bonus. Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening. Adding all that up, this cash-back card gives you an extra boost and can help you reach your goals faster, and the long period of 0% intro APR on purchases means you won't have to worry about interest charges piling up. If you're after peace-of-mind and flexibility with a new card, this one might just be the one for you.

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

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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 20,000 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.

Blue Cash Preferred® Card from American Express

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Rated 3.8/5 stars by our editorial team

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The Blue Cash Preferred® Card from American Express offers best-in-class cash-back on gas and groceries with no rotating categories. Cardholders start off with a generous welcome offer: $150 back after you spend $3,000 in purchases on the Card within the first 6 months of Card Membership. This card offers also an extraordinary 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%), 6% Cash Back on select U.S. streaming subscriptions, 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more), 1% Cash Back on other purchases. If you spend $500 per month on groceries, over the course of a year, you'll earn $360 cash back for food you are already buying. You will also get sizable cash back at U.S. gas stations and select U.S. department stores, plus 1% cash back on everything else. Even better, get flexibility for your budget with the 0% on purchases for 12 months intro APR on purchases then 13.99%-23.99% variable APR - if you have a big expense on the horizon, that gives you a year without having to worry about interest charges piling up.


These premium rewards come at a cost: a $0 introductory annual fee for the first year, then $95 annual fee after that. But, many people can earn substantial cash-back rewards well beyond that. This card is one of the cases where the benefits can significantly outweigh the annual fee. This welcome offer alone covers the cost of the annual fee for two years.

Discover it® chrome

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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 APR after that. 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.

Capital One SavorOne Cash Rewards Credit Card

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This solid $0 annual fee card is a must-have for foodies with its standout rewards program: 3% Cash Back on dining; 3% Cash Back on entertainment; 2% Cash Back at grocery stores; 1% Cash Back on all other purchases. That 3% rewards rate on entertainment and dining is pretty rare among even premium rewards cards, so the fact that cardholders can get so much cash-back on a no-annual-fee card is fairly unique. And it gets even better with the Capital One SavorOne Cash Rewards Credit Card’s fantastic welcome offer. Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening.


Unlike some cards on this list, the Capital One SavorOne Cash Rewards Credit Card doesn’t just focus on rewards – it’s also a great choice if you’re looking to save on interest for a big purchase or expense coming up. Cardholders can get an introductory APR of 0% intro on purchases for 15 months and then 15.49% - 25.49% (Variable) APR after that – that’s over a year of not having to worry about interest payments.

Bank of America® Premium Rewards® credit card

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The Bank of America® Premium Rewards® credit card lives up to its name by having a truly premium rewards program: it all starts with 2 points for every $1 spent on travel and dining purchases, plus 2 points for every $1 spent on grocery store purchases through 12/31/21 and 1.5 points for every $1 spent on all other purchases. It may seem simple at first, but the fact that points come from every single purchase you make with this card means that your rewards could add up incredibly fast. And this card’s solid welcome offer could help you ramp up your earnings even faster – if you’re a new cardholder, you could earn 50,000 online bonus points – a $500 value – after you make at least $3,000 in purchases in the first 90 days of account opening.


The Bank of America® Premium Rewards® credit card does come with an annual fee of $95, but don’t let that scare you off. The points accumulate deceptively quickly with this card, and the welcome offer alone could cover five years of annual fees without even considering the rewards program. All told, if you’re looking for one of the best rewards programs on the market you cannot afford to miss this one.

Wells Fargo Cash Wise Visa® card

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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, but there's more if you're a new cardholder. Earn a $150 cash rewards bonus after spending $500 on 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.

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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.