The Best Credit Cards Of 2021

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:

Toggle Content

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 

Overall rating
5/5
  • The Best Credit Cards5%

    on travel purchased through Chase Ultimate Rewards.
    on travel purchased through Chase Ultimate Rewards®same page link to offer details*
    The Best Credit Cards3%
    on drugstore purchasessame page link to offer details*
    on drugstore purchasessame page link to offer details*
    The Best Credit Cards3%
    on dining at restaurants, including takeout and eligible delivery servicessame page link to offer details* 
    1.The Best Credit Cards5%
    on all other purchasessame page link to offer details*

     

    The Best Credit Cards
    Earn 5% Cash Back on
    Lyft Rides
    The Best Credit Cards
     
     
    Thousands 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

  • 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: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%

Overall rating
5/5
  • The Best Credit Cards2%
     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.*
  • No limits.There are no caps on cash back earned, and it all adds up fast.No confusing categories.
  • 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.
  • Earn at your pace.When you make a purchase, you’ll earn 1% unlimited cash back. Then,
  •  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
  • No annual fee
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.*
Cons
  • Balance transfers do not earn cash back.
  • 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.
  • $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                Good/Excellent

CASH BACK                    5%

Reward rate                     Up to 5% back

Overall rating
5/5

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

  • 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

Overall rating
5/5

The Best Credit Cards6%

 ?

on up to $6,000 per year in purchases (then 1%)

The Best Credit Cards6%

The Best Credit Cards 3%CASH BACK

at U.S. gas stations and on transit (e.g., taxis/rideshare, parking, tolls, trains, buses and more)

The Best Credit Cards 3%

(e.g., taxis/rideshare, parking, tolls, trains, buses and more)

The Best Credit Cards 1%

The Best Credit Cards

3X

on travel including flights, hotels, transit, taxis, tours, and ridesharing services

The Best Credit Cards

3X

at restaurants worldwide. Including takeout and delivery.

 

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.

This offer may not be available if you leave this web page and return later.

SPECIAL OFFER FOR YOU
EARN $250$300 BACK
SPECIAL OFFER FOR YOU
EARN 30,00045,000 MEMBERSHIP REWARDS® POINTS

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

Overall rating
5/5
  • Unlimited Daily Cash back with every purchase made.
  • No annual, over-the-limit, or late fees.4 No fees, period.
  • Order a free Apple-designed titanium card.5
  • Apple Card never sells your data to anyone.

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

Overall rating
5/5

The Best Credit Cards3 %Cash Back

on your first $6,000 of purchases per year at US supermarkets. After that, you will get 1% back at US supermarkets.

The Best Credit Cards2% Cash Back

at U.S. gas stations
at select U.S. department stores

The Best Credit Cards

 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

Overall rating
5/5
  •  

    FREE FICO®
    SCORE ACCESS

    You’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.
  • 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%      

Overall rating
5/5
    •  
    • 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

  • 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
  • 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

Overall rating
4.6/5
  • 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 

Overall rating
5/5
Lorem ipsum dolor sit amet, consectetur adipiscing elit. Ut elit tellus, luctus nec ullamcorper mattis, pulvinar dapibus leo.
Lorem ipsum dolor sit amet, consectetur adipiscing elit. Ut elit tellus, luctus nec ullamcorper mattis, pulvinar dapibus leo.
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 

Overall rating
4.5/5
  • 5x / 3xPoints

    on gas at the pump / on groceries  
  • 1xPoints

on all other purchases  

  • $100

Statement Creditƚwhen you spend $1,500 in first 90 days  

  • 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.
  • 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

Overall rating
5/5

The Best Credit Cards6%

 ?

on up to $6,000 per year in purchases (then 1%)

The Best Credit Cards6%

The Best Credit Cards 3%CASH BACK

at U.S. gas stations and on transit (e.g., taxis/rideshare, parking, tolls, trains, buses and more)

The Best Credit Cards 3%

(e.g., taxis/rideshare, parking, tolls, trains, buses and more)

The Best Credit Cards 1%

The Best Credit Cards

3X

on travel including flights, hotels, transit, taxis, tours, and ridesharing services

The Best Credit Cards

3X

at restaurants worldwide. Including takeout and delivery.

 

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.

This offer may not be available if you leave this web page and return later.

SPECIAL OFFER FOR YOU
EARN $250$300 BACK
SPECIAL OFFER FOR YOU
EARN 30,00045,000 MEMBERSHIP REWARDS® POINTS

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

Overall rating
4.6/5

Unlimited Rewards

Earn unlimited 4% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases 1

New Cardmember Offer

Earn a one-time $300 cash bonus once you spend $3,000 on purchases within 3 months from account opening 2

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

Overall rating
4.6/5
  • 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 

Overall rating
5/5

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

Eligible
streaming services3

Ordering in
and eating out

Gas stations,
transit and rideshares

Car rentals, hotels,
homestays and flights

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Ut elit tellus, luctus nec ullamcorper mattis, pulvinar dapibus leo.
Best for: travel  reward for Global Entry and/or TSA PreCheck credit

Add to Compare

 Annual Fee                      $95

REGULAR APR                 17.24% – 24.49%                                                                (Variable)

 Intro offer                          0% 

Rewards Rate                    60,000

                                            Bonus Miles 

 

Overall rating
4.7/5

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

Overall rating
5/5
  • 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

Overall rating
5/5
  • 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

Overall rating
4.8/5
  • 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

Overall rating
4.6/5
  • ! 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 

Overall rating
5/5
Lorem ipsum dolor sit amet, consectetur adipiscing elit. Ut elit tellus, luctus nec ullamcorper mattis, pulvinar dapibus leo.
Lorem ipsum dolor sit amet, consectetur adipiscing elit. Ut elit tellus, luctus nec ullamcorper mattis, pulvinar dapibus leo.

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 

Overall rating
5/5

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

Eligible
streaming services3

Ordering in
and eating out

Gas stations,
transit and rideshares

Car rentals, hotels,
homestays and flights

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Ut elit tellus, luctus nec ullamcorper mattis, pulvinar dapibus leo.

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

Overall rating
5/5

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

Overall rating
4.6/5
    • 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

Overall rating
5/5
    • 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

 Annual Fee                                 $0

REGULAR APR                  15.99% to 22.99%                                                                 (Variable)

 Intro offer                                     $0

 Credit Score                          Excellent 

CASH BACK                                     5%

Overall rating
5/5
  • 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

Overall rating
5/5
  • 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

Add to Compare

 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

Overall rating
5/5
  • 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 

Add to Compare

 Annual Fee                    $0

REGULAR APR             9.65% – 18.00%                                                                  (Variable)

 Intro offer                      0%* intro APR 

Rewards Rate                 3x

transfer fee                      N/A

Overall rating
5/5
  • 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

Add to Compare

 Annual Fee                      $0

 Intro offer                      10,000 bonus points

 Credit Score                     Excellent

Rewards Rate                3x

Overall rating
5/5
    • 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

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

Overall rating
5/5
    • 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

 

Add to Compare

 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%

Overall rating
5/5
  • 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

Add to Compare

 Annual Fee                          $0

 Intro offer                            $100

 Credit Score                        690-850

                                               Good – Excellent

Rewards Rate                       1%-20%

                                                  Cashback

Overall rating
5/5

The Best Credit Cards3 %Cash Back

on your first $6,000 of purchases per year at US supermarkets. After that, you will get 1% back at US supermarkets.

The Best Credit Cards2% Cash Back

at U.S. gas stations
at select U.S. department stores

The Best Credit Cards

 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:

Add to Compare

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

Overall rating
5/5

The Best Credit Cards1%Cash Back

 

The Best Credit Cards2% Cash Back

at U.S. gas stations
at select U.S. department stores

The Best Credit Cards

 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                         2% – 10% bonus
Overall rating
5/5
  • Cash Back
1% – 1.5% and more offers
  • Credit Limit
$500 – $10,000
  • APRs
12.99% – 26.99%
  • Fees
None

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 

how do credit cards work interest

how credit cards work

how do credit cards payments work

what does cash back mean

how many credit cards should you have

how many credit cards is too many

credit cards definition

credit cards minimum payment

Amazon stock historical prices

Amazon stock historical prices

Amazon – 10 Year Stock Price History | AMZN Stock Price History Stock Price History Table Market Cap Amazon Stock Split Date Price Ratios Stock Price History Historical daily share price chart and data for Amazon since 1997 adjusted for splits. The latest closing stock price for Amazon as of February 16, 2021 is 3268.95. The all-time high Amazon stock closing price was 3531.45 on September 02, 2020. The Amazon 52-week high stock price is 3552.25, which is 8.7% above the current share price. The Amazon 52-week low stock price is 1626.03, which is 50.3% below the current share price. The average Amazon stock price for the last 52 weeks

Read More »
goog vs googl stock

Goog vs Googl stock, which to Buy in 2021 ?

if you are looking for which to buy Alphabet’s GOOG vs GOOGL stock in 2021 ? The most important thing before you buy stock you should understand Alphabet’s GOOG vs. GOOGL stock so you can esily decied which one you should invest in. Difference Between Alphabet’s GOOG vs. GOOGL: Alphabet (the company formerly known as Google). The principle difference between the GOOG and GOOGL stock ticker symbols is that GOOG shares haven’t any voting rights whereas GOOGL shares do. There are one more google stock class-B shares that have 10x votes per share, but these are held by founders and insiders and do not trade publicly. Google created two

Read More »
what's google's stock price

what’s google’s stock price today

Alphabet Inc.(GOOGL) google’s stock price today Alphabet Inc.(GOOGL)google stock price history chart  Alphabet Inc.(GOOGL)Google stock price history 1998 Alphabet Inc.(GOOGL)google stock price after hours About Alphabet Inc.(GOOGL) Name Alphabet Inc.SymbolGOOGLDescriptionAlphabet Inc. provides online advertising services in the United States, Europe, the Middle East, Africa, the Asia-Pacific, Canada, and Latin America. The company offers performance and brand advertising services. It operates through Google Services, Google Cloud, and Other Bets segments. The Google Services segment provides products and services, such as ads, Android, Chrome, hardware, Google Maps, Google Play, Search, and YouTube, as well as technical infrastructure; and digital content. The Google Cloud

Read More »
berkshire hathaway

Best Berkshire Hathaway Share to Buy

Berkshire Hathaway (BRKB)  is a conglomerate that owns some of America’s most famous firms. This is perhaps more famous for serving as an investment vehicle for Warren Buffett and his top lieutenant, Charlie Munger. Berkshire Hathaway is in a buy zone, but which is best Berkshire Hathaway share to buy right now in 2021 ? Basically Warren Buffett’s Berkshire Hathaway have two kind of share : Class A stock (BRK-A) and Class B stock (BRK-B). but these two shares have important differences. The main difference between Class A stock (BRK-A) and Class B stock (BRK-B) is their price. Berkshire Hathaway Class A is trading for around $273,475

Read More »
trading hours for stock market

Trading Hours for Stock Market

Regular trading hours for the U.S. stock market, including the New York Stock Exchange (NYSE) and the Nasdaq Stock Market (Nasdaq), are 9:30 a.m. to 4 p.m. NYSE also notes: “Each market will close early at 1:00 p.m. (1:15 p.m. for eligible options) on Friday, November 26, 2021, Friday, November 25, 2022, and Friday, November 24, 2023 (the day after Thanksgiving). trading hours for stock market most frequently ask question : what time do stocks open ? While the market does have regular hours, trading doesn’t stop when the major exchanges close. what hours can you trade stocks ? You can Trade stock any time

Read More »
dow jones premarket

dow jones premarket stock price

dow jones premarket stock price (INDEXDJX: .DJI) About dow jones(NASDAQ: .DJI) Name (Dow Jones Industrial Average)Symbol (DJI)DescriptionDow Jones Industrial is a stock market index that measures the stock performance of 30 large companies listed on stock exchanges in the United States. Although it is one of the most commonly followed equity indices, many consider the Dow to be an inadequate representation of the overall U.S. stock market compared to broader market indices such as the S&P 500 Index or Russell 3000 because it includes only 30 large cap companies, is not weighted by market capitalization Dow Jones Industrial Average, one of the most widely utilized indices of the US

Read More »

Leave a Reply