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!

Find out what are the best credit cards of 2021! Source: Unsplash
Find out what are the best credit cards of 2021! Source: Unsplash

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?

What is the best credit card? Check our reviews

See here the best credit cards 2021 has offered us. Source: Unsplash
See here the best credit cards 2021 has offered us. Source: Unsplash

Citi Custom Card

OverviewThe card’s specialty is convenience:
Automatic account alert;
Contactless payment option;
Digital wallets;
Citi Mobile App;
Choose your payment due date;
Citi Quick Lock;
Citi Entertainment tool;
and more.
Credit ScoreGood to excellent
Annual Fee$0
Regular APRFrom 13.99% – 23.99% (variable)
Welcome Bonus*$200 on qualifying purchases
1% cash back on all other purchases

*Terms apply
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

*Terms apply

How do you get the Citi Custom card?

The Citi Custom card offers great cash back rewards. It also has 0% annual fee! Read more if you want to know how to apply for this card!

American Express Gold Card

OverviewThis card is especially for folks who enjoy eating out and shopping for food.
Credit ScoreGood to excellent
Annual Fee$250
Regular APR15.99% to 22.99% variable APR
Welcome Bonus*60,000 MR points after spending $4,000 on eligible purchases in the first 6 months

*Terms apply
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

How do you get the American Express Gold card?

If you fit the profile and want to know how to get your American Express Gold card, here is some important information to guide you!

Pre-approved credit cards for low credit score available now

We analyzed your profile and found some offers that you can apply for today.

You will be redirected to another website

Citi Prestige Card

OverviewThis card gives high-earning rewards, which can easily cover its high fees.
Credit ScoreExcellent
Annual Fee$495
Regular APR16.99% to 23.99% variable APR on purchases and balance transfers
Welcome Bonus*62,500 Citi ThankYouSM Points (25,000 Miles)
Gadget Welcome Gift

*Terms apply
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
and more

*Terms apply
Citi Prestige Card

How to apply for a Citi Prestige Card credit card

The Citi Prestige card from Citibank offers great welcome bonuses, in addition to having a simple signup process. Discover how to apply!

Citi Chairman American Express

OverviewThis card was specially designed to offer travel rewards.
Credit ScoreExcellent
Annual Fee$500
Regular APR11.24% variable APR
Welcome BonusN/A
RewardsTravel rewards program
Free 24/7 concierge services
Private jet programs, and more
Citi Chairman American Express

How to apply for the Citi Chairman Amex card?

The Citi Chairman American Express card has special benefits. Read more to know if you can get this exclusive card and how to get it!

American Express Platinum

OverviewThis card comes with a lot of perks for adventurous travelers who like to travel in luxury.
Credit ScoreGood to excellent
Annual Fee$695
Regular APR15.99% to 22.99% variable APR on eligible charges
Welcome Bonus*100K MR points
10x points on eligible purchases

*Terms apply
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

*Terms apply

How do you get the American Express Platinum card?

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!

Best cards for low credit score

5 best cards for low credit score

See throughout this article the best cards for low credit score, as well as information related. Find out which is the best for you!

About the author  /  Thais Daou

Thais Daou holds an undergraduate degree in Languages — Translating and Interpreting from the São Judas Tadeu University. She has been translating, proofreading, and transcribing financial documents, as well as documents from other fields, for five years. And now she begins a new chapter in her career, writing about financial solutions in a simplified way, with a desire to spread this knowledge, which is so important.

Reviewed by  /  Aline Barbosa

Senior Editor

Trending Topics


Bloomingdale’s American Express® Card full review!

If you need a card with points for shopping at Bloomingdale’s and no annual fee, read our Bloomingdale’s American Express® Card review!

Keep Reading

Mastercard® Luxury Black credit card full review

The Mastercard® Luxury Black credit card is the Black-PVD-Coated Metal card missing in your luxurious life. Check out the full review!

Keep Reading

Buy On Trust Lending full review

Check out the Buy On Trust Lending review and learn more about its benefits, such as flexibility on the payments and more!

Keep Reading

You may also like


Apply for Unique Platinum Card: quick and simple

Unlock a world of opportunities with the Unique Platinum Card - with 0% APR, this is the perfect card to build credit! Read on and learn more!

Keep Reading

7 best checking account bonuses of 2023

Maximize your banking power! We've rounded up the best checking account bonuses of 2023 to help you grow your savings! Read on!

Keep Reading

Better Mortgage review: how does it work and is it good?

We have made a Better Mortgage review to tell you why this can be the place to find the money you need. You'll find finance and buying options, understand how it works, and discover its pros and cons. Read on!

Keep Reading