Best Credit Cards in USA 2021
Best Credit Cards in USA 2021
#1 Chase
Freedom Flex℠
Best in Cash Back Credit Cards, Best Card for the New Normal
WHY WE
CHOSE THIS:
Earns
assorted bonus rewards for travel, restaurants and other purchases
Charges
no annual fee
Offers a
15-month 0% APR on purchases
HIGHLIGHTS
- Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
- Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
- Earn 5% on travel purchased through Chase, 3% on dining at restaurants and drugstores, and 1% on all other purchases.
- No annual fee.
- 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%.
- No minimum to redeem for cash back. Cash Back rewards do not expire as long as your account is open.
RATES
& FEES
Issuer Name
Chase
Credit
Needed
Excellent,
Good
Annual
Fee
$0
APR
14.99% -
23.74% Variable
Penalty
APR
NONE
Purchases
Intro APR
0% Intro APR
on Purchases for 15 months
Balance
Transfer Fee
Either $5 or
5% of the amount of each transfer, whichever is greater.
Cash
Advance Fee
Either $10
or 5% of the amount of each transaction, whichever is greater.
Foreign
Transaction Fee
3% of each
transaction in U.S. dollars
#2 Chase Sapphire Preferred® Card
Best in Airline Credit Cards
WHY WE
CHOSE THIS:
- 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
- 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
- Provides a 80,000-point sign-up bonus after you spend $4,000 in the first three months
HIGHLIGHTS
Earn 80,000
bonus points after you spend $4,000 on purchases in the first 3 months from
account opening. That's $1,000 when you redeem through Chase Ultimate Rewards®.
Plus earn up to $50 in statement credits towards grocery store purchases within
your first year of account opening.
Earn 2X
points on dining including eligible delivery services, takeout and dining out
and travel. Plus, earn 1 point per dollar spent on all other purchases.
Get 25% more
value when you redeem for airfare, hotels, car rentals and cruises through
Chase Ultimate Rewards®. For example, 80,000 points are worth $1,000 toward
travel.
With Pay
Yourself Back℠, your points are worth 25% more during the current offer when
you redeem them for statement credits against existing purchases in select,
rotating categories
Get
unlimited deliveries with a $0 delivery fee and reduced service fees on
eligible orders over $12 for a minimum of one year with DashPass, DoorDash's
subscription service. Activate by 12/31/21.
Count on
Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver,
Lost Luggage Insurance and more.
Get up to
$60 back on an eligible Peloton Digital or All-Access Membership through
12/31/2021, and get full access to their workout library through the Peloton app,
including cardio, running, strength, yoga, and more. Take classes using a
phone, tablet, or TV. No fitness equipment is required.
RATES
& FEES
Issuer Name
Chase
Credit
Needed
Excellent,
Good
Annual
Fee
$95
APR
15.99% -
22.99% Variable
Penalty
APR
Up to 29.99%
Balance
Transfer Fee
Either $5 or
5% of the amount of each transfer, whichever is greater.
Cash
Advance Fee
Either $10
or 5% of the amount of each transaction, whichever is greater.
Foreign
Transaction Fee
$0
#3 Discover it® Student Cash Back
Best feature: Student rewards.
HIGHLIGHTS
INTRO OFFER:
Unlimited Cashback Match - only from Discover. Discover will automatically
match all the cash back you've earned at the end of your first year! So you
could turn $50 cash back into $100. Or turn $100 into $200. There's no minimum
spending or maximum rewards. Just a dollar-for-dollar match.
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. Plus, earn unlimited 1% cash back on
all other purchases - automatically.
Good Grades
Rewards: $20 statement credit each school year your GPA is 3.0 or higher for up
to the next 5 years.
Earn rewards
while building your credit history that can help you after graduation. And, get
your free Credit Scorecard that includes your FICO® Credit Score and important
details that help make up your score.
No annual
fee. No late fee on first late payment. No APR change for paying late.
Refer-a-Friend:
Once you become a Discover it® Student cardmember, you can earn a statement
credit each time you refer a friend and they're approved. Over half a million
students got Discover Cards from their friends' recommendations.
Freeze It®
on/off switch for your account that prevents new purchases, cash advances &
balance transfers in seconds.
Get an alert
if we find your Social Security number on any of thousands of Dark Web sites.*
Activate for free.
Discover is
accepted nationwide by 99% of the places that take credit cards.
0% intro APR
on purchases for 6 months, then the standard variable purchase APR of 12.99% -
21.99% applies.
RATES
& FEES
Issuer Name
Discover
Credit
Needed
Fair, New to
Credit
Annual
Fee
$0
APR
12.99% -
21.99% Variable APR
Purchases
Intro APR
0% for 6
months
Balance
Transfer Intro APR
10.99% for 6
months
Balance
Transfer Fee
3% intro
balance transfer fee, up to 5% fee on future balance transfers (see terms)*
Foreign
Transaction Fee
None
#4 Discover it® Cash Back
Best feature: Cash back on everyday purchases.
HIGHLIGHTS
INTRO OFFER:
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.
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.
Plus, earn
unlimited 1% cash back on all other purchases - automatically.
Redeem cash
back in any amount, any time. Rewards never expire.
Use your
rewards at Amazon.com checkout.
#1 Most
Trusted Credit Card according to Investor's Business Daily.
No annual
fee.
Discover is
accepted nationwide by 99% of the places that take credit cards.
RATES
& FEES
Issuer Name
Discover
Credit
Needed
Excellent,
Good
Annual
Fee
$0
APR
11.99% -
22.99% Variable APR
Purchases
Intro APR
0% for 14
months
Balance
Transfer Intro APR
0% for 14
months
Balance
Transfer Fee
3% intro
balance transfer fee, up to 5% fee on future balance transfers (see terms)*
Foreign
Transaction Fee
None
#5 Blue Cash
Everyday® Card from American Express
Best feature: Cash back on everyday purchases.
HIGHLIGHTS
Earn 20%
back on Amazon.com purchases on the Card in the first 6 months of Card
membership, up to $150 back.
Plus, earn
$100 back after you spend $2,000 in purchases on your new Card within the first
6 months of card membership. You will receive cash back in the form of
statement credits.
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.
Low intro
APR: 0% for 15 months on purchases from the date of account opening, then a
variable rate, 13.99% to 23.99%.
Plan It®
gives the option to select purchases of $100 or more to split up into monthly
payments with a fixed fee.
Cash back is
received in the form of Reward Dollars that can be easily redeemed for
statement credits.
No annual
fee.
Terms Apply.
RATES
& FEES
Issuer Name
American
Express
Credit
Needed
Good,
Excellent
Annual
Fee
$0
APR
13.99% -
23.99% Variable
Penalty
APR
29.99% Variable
Purchases
Intro APR
0% on
purchases for 15 months
Cash
Advance Fee
Either $10
or 5% of the amount of each cash advance, whichever is greater.
Foreign
Transaction Fee
2.7% of each
transaction after conversion to US dollars.
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