Credit Cards (US)
Best credit cards of 2021: reviews, rewards and offers
Does your credit card rank among the best credit cards 2021 presented us with? We have come up with a shortlist with some amazing cards. Check it out!
Looking for a new credit card to help you with your financial control? Well, even if you are not looking for one, we recommend that every year you read some credit card reviews so that you see if there is any product that could better benefit you. Let us see what are the best credit cards 2021 offered us!
The Mister Finance’s team has done a lot of legwork for you, gathering our top selections for the finest credit cards available on the market this year. We have included here a list with a small number of cards, but of cards that are the leading options that one can find in the market today.
Our shortlist which you will find below is focused on the top benefits, like what are the rewards, welcome bonuses, regular APRs, annual fees, the credit score you need to have, etc.
Discover the best credit card options of 2021
But before we begin our analysis, here are two reminders:
First, here on our website, you can find content giving tips on how to use your credit card in a more intelligent way. Second, keep in mind that, for every family or person, every purchase or budget, the perfect credit card will vary depending on one’s specific needs. In other words, there is no such thing as the best credit card.
For this same reason, the list below is not organized following a hierarchical structure. So, below you will find some outstanding card options together with a description, which will explain to you what makes the card a good product option. Shall we?
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What is the best credit card? Check our reviews
Citi Custom Card
|Overview||The card’s specialty is convenience: |
Automatic account alert;
Contactless payment option;
Citi Mobile App;
Choose your payment due date;
Citi Quick Lock;
Citi Entertainment tool;
|Credit Score||Good to excellent|
|Regular APR||From 13.99% – 23.99% (variable)|
|Welcome Bonus*||$200 on qualifying purchases|
1% cash back on all other purchases
|Rewards*||Cash back issued as ThankYou Rewards points|
5 ThankYou Rewards points per dollar spent in eligible purchases up to $500 spent
1 ThankYou Rewards point per dollar spent in eligible purchases beyond $500 spent
American Express Gold Card
|Overview||This card is especially for folks who enjoy eating out and shopping for food.|
|Credit Score||Good to excellent|
|Regular APR||15.99% to 22.99% variable APR|
|Welcome Bonus*||60,000 MR points after spending $4,000 on eligible purchases in the first 6 months|
|Rewards*||3 points per dollar spent on flights booked with airline or Amex Travel|
4 MR points per dollar spent at restaurants
4 points per dollar spent at supermarkets (U.S.) on $25,000 in purchases per year.
1 point per dollar spent on all other eligible purchases
$120 Uber Cash on Amex Gold
$120 on dining credit, and more
* Terms apply
Citi Prestige Card
|Overview||This card gives high-earning rewards, which can easily cover its high fees.|
|Regular APR||16.99% to 23.99% variable APR on purchases and balance transfers|
|Welcome Bonus*||62,500 Citi ThankYouSM Points (25,000 Miles)|
Gadget Welcome Gift
|Rewards*||Up to $100 every five years toward Global Entry or TSA Pre✓®|
4th night free annual hotel stay
Transfer points to a number of travel loyalty programs
5X points on air travel and dining
3X points on hotels and cruises
1X points on purchases
Citi Chairman American Express
|Overview||This card was specially designed to offer travel rewards.|
|Regular APR||11.24% variable APR|
|Rewards||Travel rewards program|
Free 24/7 concierge services
Private jet programs, and more
American Express Platinum
|Overview||This card comes with a lot of perks for adventurous travelers who like to travel in luxury.|
|Credit Score||Good to excellent|
|Regular APR||15.99% to 22.99% variable APR on eligible charges|
|Welcome Bonus*||100K MR points|
10x points on eligible purchases
|Rewards*||10 MR points at gas stations and supermarkets|
5 MR points per dollar spent on flights
5 MR points per dollar spent on prepaid hotel purchases
2 MR points per dollar spent on other travel expenses
1 MR point per dollar spent on all other spendings
Uber Rides with Platinum, Shop Saks with Platinum, and more
If you are ready to obtain your American Express Platinum card, here are some information that can guide you through the process. Check it out!
There are various types of credit cards: rewards, balance transfer, low interest, 0% APR, business and student credit cards, as well as cards for those who want to build credit.
When choosing your card, whether one which we have listed as one of the best credit cards of 2021 or not, pay attention to the following: fees, such as annual fees, interests, rewards, bonuses, and other benefits. Also, we tend to not consider customer service and mobile apps as benefits, but it is impossible to deny that these features can make a difference in one’s daily financial life.
Other also important sub-factors to consider are: credit cards networks, issuers, as well as co-branded credit card products. And don’t forget to always check your credit score, as most of the best credit cards of 2021 require at least a good credit score.
You can check your credit score through the credit bureaus of your country. For instance, in the United States, the three credit reporting agencies are Experian, Equifax, and TransUnion.
An important third reminder that we would like to add is the following: our goal is to write an overview, as well as a full review, about all the cards presented above. Therefore, in case you do not find articles written by us concerning any of the credit cards mentioned on this list, it is probably because we are still compiling more useful information about the product.
Thus, do not worry, as, soon, more information will be available at Mister Finance, in order to improve your decision-making process!
But, if you have low credit scores and can´t apply for any of these credit card options above, we have a special list with the 5 best cards for low credit score. So, read the article below and find out!
About the author / Thais Daou
Reviewed by / Aline Barbosa
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