8 Best Credit Cards In 2021

8 Best Credit Cards In 2021


Are you looking for the best credit card this 2021? Well, you might want to check out this list. 


However, allow us to give you this caveat: there’s no such thing as a one-size-fits-all credit card. Every one of us has different needs, requirements, and priorities. Furthermore, your credit history, expenditures, and composition of your family could affect your choice. 


For instance, a rich bachelor who splurges his earnings on international travels might require a different credit card compared to a married man who prioritizes the needs of his family.  


Therefore, this list will highlight all the credit cards that can help a wide range of clients and people. Not all of the credit cards here will be suitable for you. But we are hoping that there’s one or two that can meet your requirements. 

A List Of Best Credit Cards In 2021

For Cash Back

Blue Cash Preferred – American Express

This one provides up to a 6% reward rate. It is excellent for those who spend big at various US supermarkets. It is also suitable for travelers who usually spend money on taxis, rideshares, or fuel. However, keep in mind that its 6% cashback has a $6,000 cap for every annual spending on US supermarkets. 


  • Welcome Bonus – $300
  • Regular APR – 13.99% to 23.99%
  • Required Credit Score – 700 to 749

For No-Annual Fee

Citi Double Cash Card

This credit card will enable you to gain 1% unlimited cashback for all purchases you make. After you pay for those you purchased, you get another 1% cashback. Keep in mind that this credit card has a high balance transfer fee. Moreover, it has a 3% fee for every foreign transaction.


  • Welcome Bonus – None
  • Regular APR – 13.99% to 23.99%
  • Required Credit Score – 750 to 850

For Travels And Dining

Chase Sapphire Preferred Card

You can earn double points when you use this card in travel and restaurant expenditures. It is suitable for airfare and logistic payments, as well. On other purchases, you can get at least 1x points. But before getting this card, be reminded that this one has a $95 annual fee, and it will not be waived in the first year. It doesn’t have an introductory APR offer either. 


  • Welcome Bonus – 80,000 points
  • Regular APR – 15.99% to 22.99%
  • Required Credit Score – 700 to 749


For Airlines

Rapid Rewards Priority Card – Southwest

You can get 2x points for every dollar you spent on any accredited hotels and car rental services of Southwest and Rapid Rewards. On other purchases, you can get at least 1x points. Similar to other cards, it doesn’t have an intro APR. Its APR is quite high, too. Also, you should take into account its $149 annual fee. 


  • Welcome Bonus – 40,000 points
  • Regular APR – 15.99% to 22.99%
  • Required Credit Score – 700 to 749

For Luxury Hotels

Hilton Honors Aspire Card – American Express

The Hilton Honors Aspire Card is the banner of Hilton–a subsidiary brand of American Express. It has a price tag that you need to match so that you can get its lavishing perks and benefits. It is suitable for splurgers and high spenders. It can give its holder 14x bonus points on all eligible purchases at any accredited resorts and hotels of Hilton. Meanwhile, it gives 3x points to your other purchases. But then again, it has a high annual fee without first-year waivers. 


  • Welcome Bonus – 150,000 points
  • Regular APR – 15.74% to 24.74%
  • Required Credit Score – 700 to 749

For Businesses And Small Enterprises

The Blue Business Plus Credit Card – American Express

This credit card is a unique example of acquiring rewards without incurring too much cost. It will allow you to get 2x points for your first $50,000 purchase every year without the need for paying annual fees. It is tailored for businesses and enterprises that don’t generate expenditures more than $50,000. On the downside, it has a 2.7% fee for foreign transactions. 


  • Welcome Bonus – $300
  • Regular APR – 13.24% to 19.24%
  • Required Credit Score – 700 to 749

For Students And First Time Credit Card Holders

Discover It Student Cash Back

If you want to give your students experience on having credit cards and managing their finances, then you should consider Discover It. The latter does not come with annual fees and APR penalties. Best of all, it has bonuses for eligible students who have great academic performance. It also has 5% cashback rewards that you must enroll in every quarter. However, the cashback of this credit card has a $1,500 cap every quarter. 


  • Welcome Bonus – Cashback Match™
  • Regular APR – 13.24% to 19.24%
  • Required Credit Score – No credit checks 


For Online Shopping

Amazon Prime Rewards Visa Signature Card

The Amazon Prime Rewards Visa Signature Card is the perfect choice for Prime members who usually dwell in Amazon and Whole Foods. The 5% reward rate is truly impressive and attractive for any frequent online shopper.


  • Welcome Bonus – $70 Amazon Gift Card
  • Regular APR – 14.24% to 22.24% 
  • Required Credit Score – 700 – 749


Ian Schindler