4 Best Credit Cards for 2021

One of the standard critical pieces of advice we can give anyone is to start building up credit as quickly as possible and work towards achieving a good credit rating.

The benefits of a good credit rating are enormous as you will be able to get better quality loans and mortgages in the future.

Best Credit Cards

How Do You Build Credit?

One of the perfect ways to get a loan is to use a credit card and make sure that you always make payments on time. This is the best way to improve your credit rating and ensure a positive credit rating.

How Do I Get a Credit Card?

If you don’t have a credit card, you will need to apply to the credit card company for a specific card.

If you have gathered all the required requirements, you will be approved, and you will receive your card by mail in a few months. However, not all credit cards are the same as they offer different things.

What Credit Card is Best For Me?

To pick a credit card, you need to look at your lifestyle and understand your spending habits.

Credit cards have fees, commissions, and interest rates. If you are someone who can make payments consistently and on time, a standard credit card with small rewards works wonders for you.

If you make large purchases all year long, getting a credit card with a small monthly or yearly fee may be best for you as you can take full advantage of the best rewards at your expense.

Finally, if you need a loan but are having trouble making monthly payments, you will want to go for a low-interest card. This will help you avoid falling into insurmountable debt, as is the case with other credit cards.

Let’s take a look at any of our top choices for getting the best credit card and how it can help you. Hopefully, you can choose a credit card and start building up your credit score by the end of this.

Capital One Quicksilver Cash Rewards Credit Card

captital One
  • Annual Fee: $0
  • Rewards Rate: 1.5% Cash Back
  • Intro Offer: $200 Cash Back after minimum purchase
  • Required Credit Score: 690 – 850
  • APR: 0% – First 15 Months, 15.49% – 25.49% variable APR onwards

If you want to opt for a refundable credit card for your purchases without worrying about annual fees, this might be the card for you.

One of the most enticing features of this Capital One card is that if you spend $ 500 on purchases within the first three months, you will get a refund of $ 200. This is a one-time benefit that you will receive.

You don’t need to worry about your cashback bonuses expiring as they are guaranteed for life as long as you have a card. This way, you can continually accumulate rewards that can be used to pay off future balances.

Having a card with a $ 0 annual fee is a great thing too. We think this is the best credit card in the money-back arena because they won’t charge you any fees for overseas transactions.

This means that if you are dealing with other currencies, the company will not charge you additional fees.

As for the annual interest rate on a credit card, you can expect the annual interest rate to be 0% in the first fifteen months, after which it will rise to 15.49-24.49%. This puts it roughly in the middle range for a credit card APR.

The one downside to this card is that it needs a pretty good credit score for you to be eligible for it. If you have been struggling to make payments and have not built your credit up over the year, you might have difficulty obtaining this card.

That being said, we highly recommend this, and there is a reason why we consider it to be in the running for the best credit card when looking at cashback rewards.


  • $200 cash bonus after spending $500 in 3 months
  • No annual fee
  • Unlimited 1.5% cashback
  • No foreign transaction fees


  • Other cards have more extended periods with 0% APR
  • No bonus rewards aside from the 1.5% cashback
  • Requires a good credit score to obtain

Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card
  • Annual Fee: $95
  • Rewards Rate: 1x-2x points
  • Intro Offer: 80,000 points after minimum purchase
  • Required Credit Score: 690-850
  • APR: 15.99% – 22.99% variable APR

If you choose a credit card to receive travel rewards, this card might be for you. You earn 2 points per dollar for dining and eligible delivery services, and you make 1 point per dollar for every other purchase.

If you spend $ 4,000 in the first three months, you will be credited with 80,000 points. These points can be redeemed through Chase Ultimate Rewards for $ 1,000 for travel.

While this is a big bonus, it is only helpful to plan to use the card frequently and make large purchases with it.

APV is the standard reward type credit card, so you should avoid it if your balance.

So check your credit card statements frequently to make sure you’ve paid everything. It is effortless to forget to pay and get interested.

When it comes to booking a trip using your points, you are also provided with a high degree of insurance to help you get insured if something goes wrong before your trip or on your journey.

This makes the card flexible when booking your trip and protects your luggage and damage when renting a car.

A nice bonus to this card is that when you use DoorDash, you get free shipping and a reduced service charge for orders over $ 12. If you plan to order delivery frequently, you should take advantage of this.

We should also add that this is a metal card that adds a bit of coolness and makes it something to show to other people.

Since it takes a good credit rating to get this card, the metal card can also be seen as a status symbol.

All in all, the rewards and protection this card offers make it one of the best credit cards if you want to earn travel points.

Start packing your bags because you will see the world with the added benefits it provides.


  • Large travel point bonus
  • Free DoorDash deliveries on qualifying offers
  • Good travel protection benefits
  • A metal card
  • No foreign fees


  • High credit score barrier
  • $95 annual fee
  • $4000 in spending required to redeem the intro offer

Upgrade Card

Upgrade Card
  • Annual Fee: $0
  • Rewards Rate: 1.5% Cashback
  • Intro Offer: None
  • Required Credit Score: 630-850
  • APR: 8.99% – 29.99% variable APR

An upgrade card is a great credit card for someone with an average credit rating. While it lacks some of the rewards that other cards have, it is one of the best credit cards because it’s easy to get and easy to work with.

We love this card because it has a $ 0 annual fee, a maintenance fee, and a $ 0 activation fee.

Choosing a credit card if you want something that won’t charge your account, you can’t go wrong with an upgrade card.

While the rewards won’t blow your mind, Cashback is a nice added bonus to the flexibility the card provides.

Speaking of flexibility, while you wait for the card to arrive in the mail, they will give you access to a virtual card that you can use right away.

With some credit cards, even the card application process can reduce your credit. As such, you want to make sure you meet the card’s requirements before attempting to apply.

With an upgrade card, you have nothing to worry about, as you can get it in minutes without worrying about it affecting your credit score.


  • An excellent credit card for someone with an average credit score
  • No fees
  • Decent rewards for what you are getting


  • Potentially high APR which can accumulate debt quickly
  • Not available everywhere
  • No intro offer

Discover It® Student Chrome

Discover it
  • Annual Fee: $0
  • Rewards Rate: 1%-2% Cashback
  • Intro Offer: Cashback Match™
  • Required Credit Score: 630-689
  • APR: 0% – First 6 Months, 12.99% – 21.99% variable APR onwards

This is one of the most excellent credit cards for students, mainly due to its unlimited introductory money back offer.

This means that the company will reimburse it for every dollar you earn in Cashback at the end of the year. Made $ 200 in Cashback? Get another $ 200.

At gas stations and restaurants, you will earn 2% cashback up to $ 1000 every quarter. Each next purchase and everything after it will return you 1% cashback.

We love this card and what you should consider when choosing a credit card because it offers forgiveness. There is no late payment fee, and the annual late payment rate does not change.

Since you’re in college, credit cards may be new to you, or you may not have enough money for one month to make a payment. They understand this and offer one-time forgiveness to help you.

The card also has many different security features, such as simply locking your account and receiving alerts if your information is leaked.

Overall, we love this student credit card as it is an excellent introduction to the financial world and helps provide you with all the resources you need to understand your credit score and improve it in the future.


  • No fees
  • One time payment forgiveness
  • Cashback match
  • Free credit score report


  • There are better rewards out there
  • Discover cards are not accepted that much outside of the United States
  • 2% cashback is limited to $1000 per quarter

Important Credit Card Features

When you look at credit cards, these are some of the features you should look out for and see if they work for you.

APR – Average Interest Rate is the amount of interest you will pay if you miss a payment. It is listed as an annual percentage but is calculated monthly.

Reward Type: The most common reward you’ll see is Cashback. However, you can also earn travel points if you look around. When choosing a credit card, try to avoid those with no rewards, as there are no benefits to using them.

Fees: Simply put, the more commissions are credited to the credit card, the better the reward will be. To make the most of these cards, you will want to have a lot of income to pay commissions and take full advantage of the significant rewards they provide.

After all, what can hurt you the most with credit cards is the annual interest rate. We highly recommend purchasing a credit card only if you can afford the monthly payments.

Credit cards should not be used for purchases that you cannot pay, as you will quickly find yourself in trouble. These are simply a few of the most excellent credit cards, and we hope you can use this information when it comes time to choose a credit card.

Thanks for reading our article. If you have any query so, write down the query In the comment section.

1 thought on “4 Best Credit Cards for 2021”

Leave a Comment