Are you looking for a rewards credit card to help you get more from your spending? What about a flexible travel card that comes with other perks in case next year’s travel plans fall flat? Or perhaps you just want something to help you save on everyday family purchases.

Whatever the reason, now is the time to start looking. And to help you get started, came up with the best credit cards of 2021. 

Best For Flat-Rate Cash-Back

Citi Double Cash Card

There’s a lot to love about a credit card that promotes financial responsibility and rewards. The Citi Double Cash Card offers 1% cash back when you make purchases and 1% when you pay your monthly bill on time and in full.

This card also works as an excellent balance transfer card. If you’re trying to pay off high-interest debt on another account, you can slash your interest thanks to Citi’s 18-month 0% APR on balance transfers. The rate changes from 13.99% to 23.99% after the introductory period, depending on your creditworthiness. 

To top it off, the Citi Double Cash credit card has no annual fee so that you can get more out of your 2% cash back rewards. However, it does come with a 3% fee for foreign transactions, and you must have excellent credit to qualify.

Best For Rotating Categories + Cash Back

Discover it Cash Back

The Discover it Cash Back consistently made dozens of best credit card lists in 2020, and it looks like 2021 will be the same. That’s because this credit card offers some of the best rewards on the market. 

When you spend $1,500 in one of Discover’s rotating spending categories each quarter, you can earn 5% cash back (but make sure you activate this perk first). Plus, Discover offers a benefit few other card providers have — it will match your cash back rewards you earned during your first year. That means you can double your 5% rewards to 10% for maximum cash back.

Discover announces which categories will qualify for the 5% cash back every year, making it easy to plan your spending so you can make the most of your card. You can also qualify for 1% cash back on everything else you buy — with no limit on the amount you can earn.

Discover offers 0% APR on any purchase or balance transfers you make in the first 14 months. After that, it switches to 11.99% to 22.99%, based on your credit. 

Best For Travel Benefits

Chase Sapphire Preferred

The Chase Sapphire Preferred is the travel credit card you’ve been looking for. It offers unmatched flexibility and generous rewards — perhaps more than any other travel card. 

You can redeem your Chase Ultimate Rewards points via the Chase travel portal to get 25% more from your rewards or roll them over to your preferred airline or hotel loyalty program for even more value. You can earn 60,000 bonus points (worth $750 when redeemed for travel) when you spend a minimum of $4,000 in the first three months you sign up. 

If you’re a fan of Chase credit cards, then this particular one is the perfect companion to the cards you already have, including the Chase Freedom or Ink Business Preferred. That’s because you can combine your rewards from each card and get the full benefit of your earnings. 

The Chase Sapphire Preferred comes with a $95 annual fee, but there are zero foreign transaction fees, and you can also earn one point for every dollar you spend on travel and dining. If you’re a frequent flier with good to excellent credit, then you should consider signing up for this card.

Best For Families

Blue Cash Preferred Card from American Express

Households of every size will love the benefits that come with AmEx’s Blue Cash Preferred Card. It’s the only card on the market that gives you 6% cash back on the first $6,000 you spend per year at the grocery store.

The rewards don’t stop when you reach your spending limit, though. You can keep earning cash back to the tune of 1% on all other purchases, including qualifying streaming services. What’s more, you can get 3% back at gas stations, parking, tolls, taxis, bus tickets, and more!

You can qualify for a $300 statement credit bonus when you spend $3,000 within the first six months you open an account for a limited time. If your credit is good to excellent, then this is the perfect card for families who want to save on the things they buy every day. 


  • Lowery, Brooklyn. “Best Credit Cards of 2021: Reviews, Rewards and Top Offers.”,, 2 Dec. 2020,