Whether you are looking for the most points, most cash back, best balance transfer options, or lowest interest rates, here is a list of the best credit cards available in 2021.
Best for 0% Intro, Balance Transfers & Velocity Banking
Citi Bank Diamond Preferred
- Intro APR:
- 0% for 18 months on Balance Transfers
- 0% for 18 months on Purchases
- Regular APR: 14.74% – 24.74% (Variable)
- Annual Fee: $0
- Brand: MasterCard
- Balance Transfer Fee = $5 or 3%, whichever is greater.
- Features:
- Free access to FICO® Score online.
- Citi Entertainment® – Special access for purchasing tickets to thousands of events.
- $0 Liability on Unauthorized Purchases and Citi® Identity Theft Solutions.
Alternative: Citi Bank Double Cash
Best for Travel
Chase Sapphire Preferred
- Regular APR: 15.99% – 22.99% Variable APR
- Annual Fee: $95
- Sign-on Bonus: Earn 60,000 bonus points when you spend $4000 on purchases in the first 90 days from account opening.
- Brand: VISA
- Features:
- Redeem bonus points through Chase Ultimate Rewards®.
- 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.
- Get 25% more value when you redeem points for travel through Chase Ultimate Rewards®.
Alternative: Bank of America Travel Rewards
Best for Customizable Rewards
Bank of America Cash Rewards
- Intro APR:
- 0% for 60 days on Balance Transfers
- 0% for 12 months on Purchases
- Regular APR: 13.99% – 23.99% (Variable)
- Annual Fee: $0
- Sign on Bonus: $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- Brand: VISA
- Features:
- Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.
Alternative: Fulton Bank Max Cash Preferred
Best for Cash-Back and Bonus Rewards
Discover It
- Intro APR:
- 0% for 14 months on Balance Transfers
- 0% for 14 months on Purchases
- Regular APR: 11.99% – 22.99% (Variable)
- Annual Fee: $0
- Brand: Discover
- Sign-on Bonus: Discover will match all the cash back you’ve earned at the end of your first year!
- Features:
- Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations up to the quarterly maximum when you activate.
- Earn 1% on all other purchases.
- Apply your cash back earnings to your Amazon or PayPal purchase.
Alternative: Chase Freedom Flex
Best for Sign-On Bonus
American Express BlueCash Preferred
- Intro APR:
- 0% for 18 months on Balance Transfers
- 0% for 18 months on Purchases
- Regular APR: 13.99% – 23.99% (Variable)
- Annual Fee: $95
- Brand: AMEX
- Sign-on Bonus: Get $250 statement credit after you spend $1,000 in purchases within the first 3 months.
- Features:
- 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.
- Plan It® gives the option to select purchases of $100 or more to split up into monthly payments with a fixed fee.
