The Best Credit Cards Of 2021
The Best Credit Cards Of 2021 that can help you build credit, save on interest charges and earn you more than $2,000 in five years.
now a days its hard to choose the best card because There are so many credit cards available in usa . A little research can help you find a card that’s specifically designed for your needs.
You can choose according to your lifestyle a perfect credit card whether you’re a foodie, road warrior, traveler or someone looking to build credit.
After many hours of research investapple team top picks for you best credit cards of 2021 out of 234 credit cards vailable in the U.S.
here is list of investapple rounded up the best credit cards of 2021 that can help you build earn reward credit, save on interest charges and earn you more than $2,000 in cash back over five years .
the best credit cards of 2021:
- Best rewards credit card: American Express® Gold Card
- Best dining rewards credit card: Chase Sapphire Reserve®
- Best gas rewards credit card: PenFed Platinum Rewards Visa Signature® Card
- Best grocery rewards credit card: Blue Cash Preferred® Card from American Express
- Best entertainment rewards credit card: Capital One® Savor® Cash Rewards Credit Card
- Best credit cards with travel rewards American Express® Gold Card
- Best no annual fee travel credit card: Wells Fargo Propel American Express® Card
- Best credit cards travel reward for Global Entry and/or TSA PreCheck credit: Capital One® Venture® Rewards Credit Card
- travel credit cards bank of america
- 10xtravel best credit cards
- Best no annual fee credit card: Citi® Double Cash Card
- Best credit card with no foreign transaction fees: Wells Fargo Propel American Express® Card
- Best balance transfer credit card: Citi Simplicity® Card – No Late Fees Ever
- Best low interest credit card: Titanium Rewards Visa® Signature Card from Andrews Federal Credit Union
- Best secured credit card: Discover it® Secured
- Best for building credit: Petal® 2 “Cash Back, No Fees” Visa® Credit Card
- Best for average credit: Petal® 2 “Cash Back, No Fees” Visa® Credit Card
- Best for college students: Discover it® Student Cash Back
- best travel credit cards for students
Best cash-back credit card
Best for: grocery store purchases cash back
Add to Compare
Annual Fee $0
REGULAR APR 14.99% – 23.74% (Variable)
Intro offer $0
Credit Score Excellent
CASH BACK 5%
Opening offer $200 bonus after spend $500
-
5%on travel purchased through Chase Ultimate Rewards.
on travel purchased through Chase Ultimate Rewards®same page link to offer details*
3%on drugstore purchasessame page link to offer details*
on drugstore purchasessame page link to offer details*
3%on dining at restaurants, including takeout and eligible delivery servicessame page link to offer details*
1.
5%on all other purchasessame page link to offer details*
Earn 5% Cash Back on
Lyft RidesThousands of Restaurants.
Zero Delivery Fee with door dash . -
Rewards
Earn 5% cash back on grocery store purchases (not including Target or Walmart purchases) on up to $12,000 spent in the first year, 5% cash back on travel purchased through Chase Ultimate Rewards®, 3% on dining (including takeout) and drugstores and 1.5% on all other purchases
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Welcome bonus
$200 cash back after you spend $500 on purchases in your first 3 months from account opening
-
Annual fee
$0
-
Intro APR
0% for the first 15 months on purchases
-
Regular APR
14.99% to 23.74% variable on purchases and balance transfers
-
Balance transfer fee
Either $5 or 5% of the amount of each transfer, whichever is greater
-
Foreign transaction fee
3% of each transaction in U.S. dollars
Pros
-
No annual fee
-
Long intro 0% APR period for purchases
-
Rewards can be transferred to a Chase Ultimate Rewards card
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Generous welcome bonus
Cons
-
Below average 1.5% cash back on non-bonus category purchases
Best for:DOUBLE UP ON CASH BACK
Add to Compare
Annual Fee $0
REGULAR APR 13.99% – 23.99% (Variable)
Intro offer $0
Credit Score 720-850 Excellent
CASH BACK 1%-2%
-
2%
CASH BACK
ON PURCHASES 1% WHEN YOU BUY
AND 1% AS YOU PAY. -
0% Intro APR for 18 months on balance transfers; after that, the variable APR will be 13.99% – 23.99% based on your creditworthiness.*
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No limits.There are no caps on cash back earned, and it all adds up fast.No confusing categories.
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Earn cash back twice on every purchase, wherever you use your card.No annual fee.*All the benefits of the Citi Double Cash card without the annual fee.
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Earn at your pace.When you make a purchase, you’ll earn 1% unlimited cash back. Then,
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you earn an additional 1% cash back as you make payments for that purchase.
To earn cash back, pay at least the minimum due on time.
Pros
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No annual fee
-
There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.*
Cons
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Balance transfers do not earn cash back.
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If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
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$25 minimum redemption
Best for: A first-year cash back match for new cardmembers
Add to Compare
Annual Fee $0
REGULAR APR 11.99% – 22.99% (Variable)
Intro offer 3%
Credit Score
CASH BACK 5%
Reward rate Up to 5% back
Earn up to 5% cash back
This card’s killer feature is 5% bonus cash back on up to $1,500 of quarterly spending in rotating bonus categories (activation required each quarter). Cardholders who max out each of four categories in one year ($6,000 of total spending) would net $300 in cash-back rewards. All other spending, as well as spending in categories above $1,500 in any given quarter, earns at a normal 1% cash-back rate.
Cash back match in the first year
Discover it® Cash Back offers an unlimited first-year match in which all the cash back you earn in year one is matched, effectively doubling your rewards in the first year. So, if you max out the bonus categories ($300 of rewards) and have another $5,000 of spending outside bonus categories ($50 of rewards), you’d earn $700 of total cash back in your first year ($350 plus $350 match).
0% intro APR for purchases
This card blends the features of a rewards card and a 0% intro APR card, offering 14 months of 0% APRs on purchases. Note, the go-to variable rate applies after the promo period expires.
0% intro APR for balance transfers
Offers a 0% intro APR on balance transfers for 14 months, but you don’t have to use it immediately. The 0% intro APR kicks in on your first transfer, not from the account opening, which gives you flexibility to use it on your own timeline. Note, the go-to variable rate applies after the promo period expires.
No annual fee
Discover it® Cash Back has a $0 annual fee. You’d expect a credit card with such a deep bench of perks to charge an annual fee, but that’s not the case here.
No foreign transaction fees
Discover it® Cash Back has no foreign transaction fee. Many cards charge a 3% fee when making purchases internationally, which can add up to $60 of savings on $2,000 of foreign spend when traveling or purchasing products from vendors who operate abroad
Discover’s cash back calendar
- Jan. – Mar. 2021: Grocery stores, Walgreens, and CVS
- Apr. – Jun. 2021: Gas stations, wholesale clubs, and select streaming services
- Jul. – Sept. 2021: Restaurants and PayPal
- Oct. – Dec. 2021: Amazon.com, Walmart.com, and Target.com
Pros
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2020 award winner
- Best no-annual-fee cash back credit card
- Best cash back card overall
Cons
- Below average 1.5% cash back on non-bonus category purchases
Best for: Groceries, gas, commuting and streaming
Add to Compare
Annual Fee $0
REGULAR APR 13.99% to 23.99%. (Variable)
Intro offer $250
Credit Score 690-850
Good – Excellent
CASH BACK 5%
Rewards Rate 1%-6% Cashback
6%
?
Pros
- Leading cash-back rewards at U.S. supermarkets
- Rich bonus offer for new cardholders
- Intro APR period on Purchases
Cons
- Has annual fee — but if you spend more than $31 per week at U.S. supermarkets, the rewards offset the fee
- American Express isn’t accepted at as many merchants as Visa or Mastercard
- $25 minimum redemption
Best for: cash back from apple pay
Add to Compare
Annual Fee $0
REGULAR APR 10.99% to 21.99%
Intro offer $250
CASH BACK 1% daily with every purchase
Rewards Rate 2% Cashback
- Unlimited Daily Cash back with every purchase made.
Pros
- no more plastic cards
- Titanium Card
- 1% cash back with your daily purchases
- no hidden fee
CONS
- no APR
- maximum reward on apple product but not on daily purchases.
Best for: Bonus rewards: Groceries and gas + no annual fee
Add to Compare
Annual Fee $0
Intro offer $100
Credit Score 690-850
Good – Excellent
Rewards Rate 1%-20%
Cashback
3 %Cash Back
on your first $6,000 of purchases per year at US supermarkets. After that, you will get 1% back at US supermarkets.
2% Cash Back
at U.S. gas stations‡
at select U.S. department stores
1% Cash Back
on other purchases‡
Terms and limitations apply.
BEST BLUE CASH EVERYDAY OFFER
Earn up to $350 Back-Here’s How:
Earn 20% back on Amazon.com purchases on the Card within the first 6 months of Card Membership, up to $200 back.†
PLUS, EARN $150 BACK after you spend $1,000 in purchases on the Card within the first 6 months of Card Membership.†
You will receive cash back in the form of statement credits.
pros
- No annual fee
- Bonus offer for new cardholders
- Intro APR period on Purchases
Cons
- American Express isn’t accepted at as many merchants as Visa or Mastercard
- Requires good/excellent credit
- $25 minimum redemption
Best for: Longest 0% period for transfers only
Add to Compare
Annual Fee $0
REGULAR APR 14.74% – 24.74%, (Variable)
Intro offer $0
Credit Score 720-850
Excellent
-
FREE FICO®
SCORE ACCESSYou’ll have access to monitor your all-important credit score, which is refreshed on a monthly basis to help you stay on top of your credit status.
- 0% Intro APR for 18 months on purchases from date of account opening and 0% Intro APR for 18 months on balance transfers from date of first transfer. After that the variable APR will be 14.74% – 24.74%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
- There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater
- Get free access to your FICO® Score online.
- With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
- Shop with confidence knowing that you have dependable protection benefits, including $0 Liability on Unauthorized Purchases and Citi® Identity Theft Solutions.
- The standard variable APR for Citi Flex Plan is 14.74% – 24.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi’s discretion.
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CITI ENTERTAINMENT®
Take the “once” out of once in a lifetime. Get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
CONTACTLESS PAY
Shop safely with a contactless, chip enabled card. Just tap your card on the payment reader and go in seconds.
Pros
- No annual fee
- 0% for 18 months on transfers if you qualify
Cons
- No rewards
Best for: Customizable categories cash back
Add to Compare
Annual Fee $0
Intro offer $200
Credit Score 690-850
Good – Excellent
Rewards Rate 25%-75%
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- Earn 3% cash back in the category of your choice: gas, online shopping, drug stores, home improvement & furnishings, dining or travel and automatic 2% cash back at grocery stores and wholesale clubs on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter, then earn 1%.
- Earn unlimited 1% cash back on all other purchases.
- Preferred Rewards members earn a 25%-75% rewards bonus on every purchase.
- Go to the Mobile Banking app or to Online Banking to change your choice category for future purchases once each calendar month, or make no change and it stays the same.
- Contactless card – The security of a chip card, with the convenience of a tap.
†Please see Terms and Conditions for rate, fee and other cost information, as well as an explanation of payment allocation. All terms may be subject to change.
Rewards®, 3% on dining (including takeout) and drugstores and 1.5% on all other purchases
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Welcome bonus
$200 cash back after you spend $500 on purchases in your first 3 months from account opening
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Annual fee
$0
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Intro APR
0% for the first 15 months on purchases
-
Regular APR
14.99% to 23.74% variable on purchases and balance transfers
-
Balance transfer fee
Either $5 or 5% of the amount of each transfer, whichever is greater
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Foreign transaction fee
3% of each transaction in U.S. dollars
Pros
- No annual fee
- Cash bonus offer
- Cash rewards
Cons
- If you’re a big spender with excellent credit and willing to pay an annual fee, there are cards with higher rewards
Best rewards credit card:
Best for: Flat-rate cash back
Add to Compare
Annual Fee $250
Rewards Rate 1x-4x
Points
Intro offer 60,000 Points
Rec Credit Score 690-850
Good – Excellent
- Earn 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months.
- Earn 4X Membership Rewards® Points on Restaurants worldwide, including takeout and delivery.
- Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
- Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
- $120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruth’s Chris Steak House, Boxed, and participating Shake Shack locations. This can be an annual savings of up to $120. Enrollment required.
- No Foreign Transaction Fees.
- Annual Fee is $250.
- Terms Apply.
- View Rates and Fees
Pros
- High rewards rate in certain categories
- No foreign transaction fees
- Transfer partners
- Annual dining credit
Cons
- American Express isn’t accepted as widely as Visa or Mastercard internationally
- No lounge membership
Best for: Flat-rate cash back
Add to Compare
Citi® Double Cash Card
Annual Fee $0
REGULAR APR 13.99% – 23.99% (Variable)
Intro offer $0
Credit Score Excellent
Best for: Best gas rewards credit card
Add to Compare
Annual Fee $0
REGULAR APR 13.49% to 17.99% (Variable)
Intro offer $0
Credit Score Excellent
-
5x / 3xPoints
on gas at the pump / on groceries -
1xPoints
on all other purchases
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$100
Statement Creditƚwhen you spend $1,500 in first 90 days
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0%Promo APR
On balance transfers for 12 Months. 3% balance transfer fee. Subject to credit approval.
No Annual Fees:
- You won’t have to pay an annual fee to enjoy all the great features that come with your PenFed card.
No Foreign Transaction Fees:
- You won’t be charged extra for using your PenFed card outside of the U.S.
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Visa Signature Discounts
Use your PenFed signature card to purchase the goods of services from the participating merchants and get a huge discount.- Enjoy the discounts on a wide variety of offers and deal, including food and wine, shopping, sports, hotels, car rentals, entertainment,
- apr 0%
- BALANCE TRANSFER FEE 3%
Best for: Groceries, gas, commuting and streaming
Add to Compare
Annual Fee $0
REGULAR APR 13.99% to 23.99%. (Variable)
Intro offer $250
Credit Score 690-850
Good – Excellent
CASH BACK 5%
Rewards Rate 1%-6% Cashback
6%
?
Pros
- Leading cash-back rewards at U.S. supermarkets
- Rich bonus offer for new cardholders
- Intro APR period on Purchases
Cons
- Has annual fee — but if you spend more than $31 per week at U.S. supermarkets, the rewards offset the fee
- American Express isn’t accepted at as many merchants as Visa or Mastercard
- $25 minimum redemption
Best for: Dining & Entertainment Rewards
Add to Compare
Annual Fee $95
REGULAR APR 15.99% – 24.99% (Variable)
Credit Score Good – Excellent
REC CASH BACK 4%
Pros
- Leading cash-back rewards at U.S. supermarkets
- Rich bonus offer for new cardholders
- Intro APR period on Purchases
Cons
- Has annual fee — but if you spend more than $31 per week at U.S. supermarkets, the rewards offset the fee
- American Express isn’t accepted at as many merchants as Visa or Mastercard
- $25 minimum redemption
Best for: travel rewards
Add to Compare
Annual Fee $250
Rewards Rate 1x-4x
Points
Intro offer 60,000 Points
Rec Credit Score 690-850
Good – Excellent
- Earn 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months.
- Earn 4X Membership Rewards® Points on Restaurants worldwide, including takeout and delivery.
- Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
- Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
- $120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruth’s Chris Steak House, Boxed, and participating Shake Shack locations. This can be an annual savings of up to $120. Enrollment required.
- No Foreign Transaction Fees.
- Annual Fee is $250.
- Terms Apply.
- View Rates and Fees
Pros
- High rewards rate in certain categories
- No foreign transaction fees
- Transfer partners
- Annual dining credit
Cons
- American Express isn’t accepted as widely as Visa or Mastercard internationally
- No lounge membership
Best for: Flat-rate cash back
Add to Compare
Annual Fee $0
REGULAR APR 14.49% to 24.99%, (Variable)
Intro offer $0
Credit Score Excellent
Earn 20,000 bonus points
when you spend $1,000 in purchases in the first 3 months1 – that’s a $200 cash redemption value
0% Intro APR for 12 months from account opening on purchases and qualifying balance transfers. After that your variable APR will be 14.49% to 24.99%. Balance transfers made within 120 days qualify for the intro rate and fee.
Earn 3x points on
Best for: travel reward for Global Entry and/or TSA PreCheck credit
Add to Compare
Earn 60,000 bonus miles once you spend $3,000 on purchases within the first 3 months from account opening
Earn unlimited 2X Miles on every purchase and redeem them on any hotel, airline or travel purchase with no blackout dates
Rewards don’t expire for the life of the account
Receive up to $100 credit for Global Entry or TSA Pre
Pros
- Rich bonus offer for new cardholders
- Intro APR period on Purchases
Cons
- no APR fee
Best for: best travel credit cards for students
Add to Compare
Annual Fee $0
Rewards Rate 1.5x
Cashback
Intro offer 25,000
Points
Rec Credit Score 690-850
Good – Excellent
- best travel credit cards for students
- Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don’t expire
- 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening – that can be a $250 statement credit toward travel purchases
- Use your card to book your trip how and where you want – you’re not limited to specific websites with blackout dates or restrictions
- Redeem points for a statement credit to pay for car and vacation rentals, hotels, flights or baggage fees, even campgrounds and tourist attractions
- 0% Introductory APR for 12 billing cycles for purchases. After the intro APR ends, 14.99% – 22.99% Variable APR will apply
- If you’re a Preferred Rewards member, you can earn 25% – 75% more points on every purchase
- Contactless Cards – The security of a chip card, with the convenience of a tap
Pros
- No annual fee and no foreign transaction fees
- Generous flat rewards rate on all purchases
- Flexibility to book travel how you want
- Rewards accelerator if you bank with Bank of America or invest with Merrill
Cons
- More restrictive than a straight cash back card
Best for: Flat-rate travel rewards + no annual fee
Add to Compare
Annual Fee $0
Rewards Rate 1.5x
Miles
Intro offer Discover Match
Miles
Rec Credit Score 690-850
Good – Excellent
- Earn unlimited 1.5x Miles for every dollar spent on all purchases – with no annual fee.
- Turn Miles into cash in any amount, any time. Or redeem as a statement credit for travel purchases like airfare, hotels, rideshares, gas stations, restaurants and more with no blackout dates. However you redeem, Miles keep the same value. And Miles never expire.
- No Blackout Dates. Simply pay for travel purchases like airlines, hotels, rental cars, and more with your Discover it® Miles card.
- Discover is accepted nationwide by 99% of the places that take credit cards.
- Freeze your account in seconds with an on/off switch either on the mobile app or website to prevent new purchases, cash advances, and balance transfers.
- Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
Pros
- Rewards can be redeemed for travel or cash back at equal value
- No annual fee or foreign transaction fee
- Sign-up bonus
- Flexible redemption options
Cons
- Other cards offer higher rewards rates
- Requires good/excellent credit
Best for:Easy-redeem travel rewards and a bonus
Add to Compare
Annual Fee $95
Rewards Rate 1x-5x
Points
Intro offer 60,000
Points
Rec Credit Score 690-850
Good – Excellent
- 2X points on travel and dining at restaurants worldwide, eligible delivery services, takeout and dining out & 1 point per dollar spent on all other purchases.
- Get 25% more value when you redeem for travel through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
- With Pay Yourself BackSM, 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 orders over $12 for a minimum of one year on qualifying food purchases with DashPass, DoorDash’s subscription service. Activate by 12/31/21.
- Earn 2x total points on up to $1,000 in grocery store purchases per month from November 1, 2020 to April 30, 2021. Includes eligible pick-up and delivery services.
-
See if you qualify for a better offer with Chase:
Pros
-
- Earn more points on travel and dining at restaurants
- Premium travel protection benefits
Cons
- $95 annual fee
Best for: Triple points in multiple
Add to Compare
Citi Premier® Card
Annual Fee $95
Rewards Rate 1x-3x
Points
Intro offer 60,000
Points
Rec Credit Score 690-850
Good – Excellent
- ! Earn 3 Points at Restaurants and Supermarkets
- Earn 3 Points at Gas Stations, Air Travel and Hotels
- Earn 1 Point per $1 spent on all other purchases
- NEW! Annual Hotel Savings Benefit
- 60,000 Points are redeemable for $600 in gift cards when redeemed at thankyou.com
- No expiration and no limit to the amount of points you can earn with this card
- No Foreign Transaction Fees on purchases
Pros
-
- No foreign transaction fee
- High rewards on travel, including gas
Cons
- Has annual fee
- Needs excellent credit
Best for: no annual fee credit card:
Add to Compare
Citi® Double Cash Card
Annual Fee $0
REGULAR APR 13.99% – 23.99% (Variable)
Intro offer $0
Credit Score Excellent
Best for: no foreign transaction fees
Add to Compare
Annual Fee $0
REGULAR APR 14.49% to 24.99%, (Variable)
Intro offer $0
Credit Score Excellent
Earn 20,000 bonus points
when you spend $1,000 in purchases in the first 3 months1 – that’s a $200 cash redemption value
0% Intro APR for 12 months from account opening on purchases and qualifying balance transfers. After that your variable APR will be 14.49% to 24.99%. Balance transfers made within 120 days qualify for the intro rate and fee.
Earn 3x points on
Best for: Cash back bonus categories
Add to Compare
Annual Fee $0
Rewards Rate 1%-5%
Cashback
Intro offer Cashback Match™
Rec Credit Score 690-850
Good – Excellent
Earn up to 5% cash back
This card’s killer feature is 5% bonus cash back on up to $1,500 of quarterly spending in rotating bonus categories (activation required each quarter). Cardholders who max out each of four categories in one year ($6,000 of total spending) would net $300 in cash-back rewards. All other spending, as well as spending in categories above $1,500 in any given quarter, earns at a normal 1% cash-back rate.
Cash back match in the first year
Discover it® Cash Back offers an unlimited first-year match in which all the cash back you earn in year one is matched, effectively doubling your rewards in the first year. So, if you max out the bonus categories ($300 of rewards) and have another $5,000 of spending outside bonus categories ($50 of rewards), you’d earn $700 of total cash back in your first year ($350 plus $350 match).
0% intro APR for purchases
This card blends the features of a rewards card and a 0% intro APR card, offering 14 months of 0% APRs on purchases. Note, the go-to variable rate applies after the promo period expires.
0% intro APR for balance transfers
Offers a 0% intro APR on balance transfers for 14 months, but you don’t have to use it immediately. The 0% intro APR kicks in on your first transfer, not from the account opening, which gives you flexibility to use it on your own timeline. Note, the go-to variable rate applies after the promo period expires.
No annual fee
Discover it® Cash Back has a $0 annual fee. You’d expect a credit card with such a deep bench of perks to charge an annual fee, but that’s not the case here.
No foreign transaction fees
Discover it® Cash Back has no foreign transaction fee. Many cards charge a 3% fee when making purchases internationally, which can add up to $60 of savings on $2,000 of foreign spend when traveling or purchasing products from vendors who operate abroad
Discover’s cash back calendar
- Jan. – Mar. 2021: Grocery stores, Walgreens, and CVS
- Apr. – Jun. 2021: Gas stations, wholesale clubs, and select streaming services
- Jul. – Sept. 2021: Restaurants and PayPal
- Oct. – Dec. 2021: Amazon.com, Walmart.com, and Target.com
Pros
- Cash back match at the end of your first year
- Bonus cash back categories
- No annual fee
- Intro APR period on Purchases and Balance Transfers
Cons
- Slightly less merchant acceptance for Discover in US – acceptance outside of US can be an issue
- If you value simplicity, a flat rate cash back card may be better
Best for: Best balance transfer credit card
Add to Compare
Annual Fee $0
REGULAR APR 14.74% – 24.74%
Intro offer 0% intro APR on Purchases and Balance Transfers for 18 months
Credit Score 720-850
Excellent
Rewards Rate N/A
-
-
Access Your Score
Get free access to your FICO® Score, the key factors that affect it, and a personalized history graph.
Flexible Payment Date
Choose to pay your bill on any available due date in the beginning, middle, or end of the month.
-
Pros
- No annual fee
- 0% for 18 months on transfers if you qualify
Cons
- No rewards
Best for: Longest 0% period for balance transfer capital one
Add to Compare
Annual Fee $0
REGULAR APR 14.74% – 24.74% (Variable)
Intro offer 0% intro APR on Purchases and Balance Transfers for 18 months
Credit Score 720-850
Excellent
Rewards Rate N/A
-
- There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater
- Get free access to your FICO® Score online.
- With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
- Shop with confidence knowing that you have dependable protection benefits, including $0 Liability on Unauthorized Purchases and Citi® Identity Theft Solutions.
- The standard variable APR for Citi Flex Plan is 14.74% – 24.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi’s discretion.
Pros
- No annual fee
- 0% for 18 months on transfers if you qualify
Cons
- No rewards
Best for: Long-term value: 0% period for transfers + rewards
Add to Compare
balance transfer from american expressChase Freedom Unlimited® Card The Platinum Card®
Annual Fee $0
REGULAR APR 15.99% to 22.99% (Variable)
Intro offer $0
Credit Score Excellent
CASH BACK 5%
-
Earn 75,000 Membership Rewards® Points + 10x Points at U.S. Gas Stations & U.S. Supermarkets
Here’s how: earn 75,000 Membership Rewards® points after you spend $5,000 on purchases on your new Card in your first 6 months of Card Membership.†
Plus, earn 10x points on eligible purchases on your new Card at U.S. Gas Stations and U.S. Supermarkets, on up to $15,000 in combined purchases, during your first 6 months of Card Membership. That’s an additional 9 points on top of the 1 point you earn for these purchases.†
Pros
- No annual fee
- Long intro 0% APR period for purchases
- Rewards can be transferred to a Chase Ultimate Rewards card
- Generous welcome bonus
Cons
- Below average 1.5% cash back on non-bonus category purchases
Best for: Long 0% period for transfers and purchases
Add to Compare
Annual Fee $0
REGULAR APR 12.99% – 22.99% Variable
Intro offer 0% intro APR for 12 billing cycles on purchases and on balance transfers made within 60 days of account opening
REC Credit Score 690-850
Good – Excellent
Rewards Rate No rewards
Intro offer N/A
- 0% Introductory APR for 12 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 12.99% – 22.99% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers
- No annual fee
- No penalty APR. Paying late won’t automatically raise your interest rate (APR). Other account pricing and terms apply
- Access your FICO® Score for free within Online Banking or your Mobile Banking app
Pros
- No annual fee
- Intro APR period on Purchases and Balance Transfers
Cons
- No rewards
Best for: Long 0% intro APR period
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Annual Fee $0
REGULAR APR 13.99% – 23.99% (Variable)
Intro offer 0%* intro APR for 20 billing cycles on purchases and balance transfers
Rec Credit Score 720-850
Excellent
Rewards Rate N/A
Opening offer N/A
-
Rewards
Earn 5% cash back on grocery store purchases (not including Target or Walmart purchases) on up to $12,000 spent in the first year, 5% cash back on travel purchased through Chase Ultimate Rewards®, 3% on dining (including takeout) and drugstores and 1.5% on all other purchases
-
Welcome bonus
$200 cash back after you spend $500 on purchases in your first 3 months from account opening
-
Annual fee
$0
-
Intro APR
0% for the first 15 months on purchases
-
Regular APR
14.99% to 23.74% variable on purchases and balance transfers
-
Balance transfer fee
Either $5 or 5% of the amount of each transfer, whichever is greater
-
Foreign transaction fee
3% of each transaction in U.S. dollars
Pros
- No annual fee
- Long intro 0% APR period for purchases
- Rewards can be transferred to a Chase Ultimate Rewards card
- Generous welcome bonus
Cons
- Below average 1.5% cash back on non-bonus category purchases
Best for:balance transfer navy federal
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Annual Fee $0
REGULAR APR 9.65% – 18.00% (Variable)
Intro offer 0%* intro APR
Rewards Rate 3x
transfer fee N/A
-
Rewards
- 3X points at restaurants and on food delivery
- 3X points at supermarkets
- 3X points on gas and transit
- 1X points on everything else
Pros
- No rewards limit
- Points redeemed for cash, travel, gift cards and merchandise
- Entertainment access
- Up to 25% off car rental, plus car rental loss & damage insurance
- Roadside assistance
Cons
- oAP
Best for:Best low interest credit card
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Annual Fee $0
Intro offer 10,000 bonus points
Credit Score Excellent
Rewards Rate 3x
-
- No annual credit card fee
- Earn 10,000 bonus points1
- Triple points on all fuel and grocery store purchases
- Redeem points for cash, merchandise, and more
- Tap and pay for fast, secure, touch-free transactions
- 3 times gas and grocery points for every dollar spent
- 1.5 times the normal points on all other purchases
- Earn 10,000 bonus points when you spent $1,500 within the first 90 days1
- Points can be redeemed for cash, travel, merchandise and more
Pros
- Save money by transferring balances from higher-interest credit cards
- Enjoy travel benefits and protections, including rental auto collision damage waivers and lost luggage reimbursements
- No annual, cash advance, or foreign transaction fees
- Credit limits range from $5,000 to $50,000
- Tap to pay technology for fast and secure checkout
Cons
- No annual credit card fee
Best for: Longest 0% period for balance transfer capital one
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Annual Fee $0
REGULAR APR 14.74% – 24.74% (Variable)
Intro offer 0% intro APR on Purchases and Balance Transfers for 18 months
Credit Score 720-850
Excellent
Rewards Rate N/A
-
- There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater
- Get free access to your FICO® Score online.
- With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
- Shop with confidence knowing that you have dependable protection benefits, including $0 Liability on Unauthorized Purchases and Citi® Identity Theft Solutions.
- The standard variable APR for Citi Flex Plan is 14.74% – 24.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi’s discretion.
Pros
- No annual fee
- 0% for 18 months on transfers if you qualify
Cons
- No rewards
Best for: 0% intro period and bonus category cash back
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Annual Fee $0
Regular APR 11.99% – 22.99% Variable APR
Intro offer 0% intro APR for 14 months on purchases and balance transfers
Balance Transfer Fee 3% intro balance transfer fee, up to 5% fee on future balance transfers
Rewards Rate 1%-5%
- 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.
- Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
- No annual fee.
- Discover is accepted nationwide by 99% of the places that take credit cards.
Pros
- Cash back match at the end of your first year
- Bonus cash back categories
- No annual fee
- Intro APR period on Purchases and Balance Transfers
Cons
- Slightly less merchant acceptance for Discover in US – acceptance outside of US can be an issue
- If you value simplicity, a flat rate cash back card may be better
Best for: 0% intro period + grocery and gas rewards
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Annual Fee $0
Intro offer $100
Credit Score 690-850
Good – Excellent
Rewards Rate 1%-20%
Cashback
3 %Cash Back
on your first $6,000 of purchases per year at US supermarkets. After that, you will get 1% back at US supermarkets.
2% Cash Back
at U.S. gas stations‡
at select U.S. department stores
1% Cash Back
on other purchases‡
Terms and limitations apply.
BEST BLUE CASH EVERYDAY OFFER
Earn up to $350 Back-Here’s How:
Earn 20% back on Amazon.com purchases on the Card within the first 6 months of Card Membership, up to $200 back.†
PLUS, EARN $150 BACK after you spend $1,000 in purchases on the Card within the first 6 months of Card Membership.†
You will receive cash back in the form of statement credits.
pros
- No annual fee
- Bonus offer for new cardholders
- Intro APR period on Purchases
Cons
- American Express isn’t accepted at as many merchants as Visa or Mastercard
- Requires good/excellent credit
- $25 minimum redemption
Best secured credit card:
Best for: secured credit card:
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Discover it® Secured
Annual Fee $0
Intro APR 10.99% intro APR on Balance Transfers for 6 months
Minimum Deposit $200
Regular APR 22.99% Variable APR
1%Cash Back
2% Cash Back
at U.S. gas stations‡
at select U.S. department stores
1% Cash Back
on other purchases‡
Terms and limitations
- No Annual Fee, earn cash back, and build your credit with responsible use.
- It’s a real credit card. You can build a credit history with the three major credit bureaus. Generally, debit and prepaid cards can’t help you build a credit history.
- Establish your credit line by providing a refundable security deposit of at least $200 after being approved. Bank information must be provided when submitting your deposit.
- Automatic reviews starting at 8 months to see if we can transition you to an unsecured line of credit and return your deposit.
- Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.
- Discover is accepted nationwide by 99% of the places that take credit cards.
- Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score
- 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. Just a dollar-for-dollar match.
- Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
pros
Easy to Apply
Earn 2% Cash Back
- Reports to the three major credit bureaus
- Offers rewards and a sign-up bonus
- Chance to upgrade to unsecured account after 8 months
Cons
- Requires minimum deposit of $200
- Discover cards not widely accepted outside the U.S.
Best for: building credit:
Add to Compare
Annual Fee $0
Regular APR 12.99% – 26.99%
Intro offer Minimum credit limit $500
Fee No annual or international
- Cash Back
- Credit Limit
- APRs
- Fees
Pros
- Get 1% cash back right away. Earn up to 1.5% when you pay on time.
Plus 2% – 10% bonus cash back at select merchants.
Cons
- 0 APR
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