The Top Credit Cards of 2021 According to Reddit Users
Discover the best credit cards of 2021 according to Reddit users! From cashback rewards to travel perks, find your perfect match.
When it comes to choosing the best credit card, Reddit is a great resource to turn to for advice and recommendations. With so many options available in 2021, it can be overwhelming to decide which credit card is right for you. That's why we've compiled a list of the best credit cards for 2021, based on recommendations from Reddit users. Whether you're looking for cashback rewards, travel perks, or low interest rates, there's a credit card out there that can meet your needs.
One of the most popular credit cards recommended by Reddit users is the Chase Sapphire Preferred card. This card offers generous rewards points for travel and dining purchases, as well as a signup bonus of 80,000 points. Another highly recommended card is the Citi Double Cash card, which offers up to 2% cashback on all purchases, with no annual fee.
If you're a frequent traveler, the American Express Platinum card may be the best choice for you. This card offers a wide range of travel perks, including airport lounge access, travel credits, and concierge services. It also offers generous rewards points for travel purchases, as well as a signup bonus of 75,000 points.
For those looking to build or rebuild their credit, the Discover it Secured card is a great option. This card requires a security deposit, but offers rewards points for all purchases, as well as free FICO credit score monitoring. It also has no annual fee and can help improve your credit score over time.
If you're looking for a card with low interest rates, the Capital One Quicksilver card is a great choice. This card offers a 0% introductory APR for the first 15 months, as well as unlimited 1.5% cashback on all purchases. It also has no annual fee.
Another popular credit card recommended by Reddit users is the Chase Freedom Unlimited card. This card offers a 0% introductory APR for the first 15 months, as well as unlimited 1.5% cashback on all purchases. It also has no annual fee and offers a signup bonus of $200 after spending $500 in the first three months.
For those who frequently shop at Amazon, the Amazon Prime Rewards Visa Signature card is a great option. This card offers 5% cashback on all Amazon purchases, as well as rewards points for other purchases. It also has no annual fee and offers a $70 Amazon gift card as a signup bonus.
If you're a student, the Discover it Student Cash Back card is a great choice. This card offers up to 5% cashback on rotating categories, as well as a $20 statement credit for good grades. It also has no annual fee and can help students build their credit over time.
For frequent flyers, the Delta SkyMiles Gold American Express card is a great option. This card offers generous rewards points for Delta purchases, as well as airport lounge access and priority boarding. It also offers a signup bonus of 35,000 points.
If you're looking for a card that offers both travel rewards and cashback, the Bank of America Premium Rewards card is a great choice. This card offers rewards points for travel purchases, as well as cashback on all other purchases. It also offers a signup bonus of 50,000 points.
In conclusion, there are many great credit cards available in 2021, and the best one for you will depend on your individual needs and preferences. By considering factors such as rewards programs, interest rates, and signup bonuses, you can find a credit card that can help you save money and reach your financial goals.
Introduction
Credit cards have become an essential part of our lives due to the convenience and benefits they offer. There are numerous credit cards available in the market, and finding the best one can be a daunting task. However, Reddit is an excellent platform where people share their experiences and opinions about various credit cards. In this article, we will discuss the best credit cards for 2021 according to Reddit users.
Chase Sapphire Preferred Card
Overview
The Chase Sapphire Preferred Card is one of the most popular credit cards among Reddit users. It offers a generous sign-up bonus, exceptional rewards, and flexible redemption options. The card comes with a $95 annual fee, but it is waived for the first year.
Benefits
The Chase Sapphire Preferred Card offers two points per dollar spent on travel and dining, and one point per dollar spent on other purchases. The points can be redeemed for travel through the Chase Ultimate Rewards program, transfer to airline and hotel partners, or cashback. Additionally, the card offers primary car rental insurance, baggage delay insurance, trip interruption/cancellation insurance, and purchase protection.
Capital One Venture Rewards Credit Card
Overview
The Capital One Venture Rewards Credit Card is another excellent option for travel rewards. It comes with a $95 annual fee, which is waived for the first year. The card also offers a generous sign-up bonus and unlimited rewards on every purchase.
Benefits
The Capital One Venture Rewards Credit Card offers two miles per dollar spent on every purchase. The miles can be redeemed for travel purchases or transferred to airline and hotel partners. The card also offers travel accident insurance, auto rental collision damage waiver, and extended warranty.
Discover it Cash Back
Overview
The Discover it Cash Back is a popular credit card among Reddit users who prefer cashback rewards. It offers no annual fee, a generous sign-up bonus, and exceptional cashback rewards.
Benefits
The Discover it Cash Back offers 5% cashback on rotating categories every quarter and 1% cashback on all other purchases. The card also offers a unique feature called Cashback Match, where Discover will match all the cashback earned during the first year. Additionally, the card offers fraud protection, purchase protection, and free FICO score updates.
Citi Double Cash Card
Overview
The Citi Double Cash Card is a simple yet effective credit card that offers cashback rewards on every purchase. It has no annual fee and offers a straightforward rewards program.
Benefits
The Citi Double Cash Card offers 2% cashback on every purchase – 1% when you make the purchase and an additional 1% when you pay for it. The card also offers a 0% APR introductory period on balance transfers for the first 18 months. Additionally, the card offers identity theft solutions and Citi Entertainment perks.
Amex Gold Card
Overview
The Amex Gold Card is a premium credit card that offers exceptional rewards and benefits. It comes with a $250 annual fee, but the rewards and benefits can outweigh the cost for frequent travelers and foodies.
Benefits
The Amex Gold Card offers four points per dollar spent at restaurants and U.S. supermarkets (up to $25,000 per year), three points per dollar spent on flights booked directly with airlines or through amextravel.com, and one point per dollar spent on other purchases. The points can be redeemed for travel, gift cards, merchandise, or transferred to airline and hotel partners. Additionally, the card offers $10 monthly dining credit, $100 airline fee credit, baggage insurance, and purchase protection.
Conclusion
There are numerous credit cards available in the market, and finding the best one can be overwhelming. However, Reddit is an excellent platform where people share their experiences and opinions about various credit cards. The Chase Sapphire Preferred Card, Capital One Venture Rewards Credit Card, Discover it Cash Back, Citi Double Cash Card, and Amex Gold Card are some of the best credit cards for 2021 according to Reddit users. Consider your spending habits, rewards preferences, and benefits before choosing a credit card that suits your needs.
As we move further into 2021, there are a plethora of credit cards available on the market for various purposes. Finding the right one can be overwhelming, but Reddit is an excellent resource to help navigate the sea of options. Let's take a look at some of the best credit cards for different categories, according to Reddit users.
The Top Cashback Credit Cards for 2021 on Reddit
Cashback credit cards are a great way to earn rewards on your everyday purchases. The following are some of the top cashback cards for 2021, as voted by Reddit users.Chase Freedom Unlimited
The Chase Freedom Unlimited card offers unlimited 1.5% cashback on all purchases. Additionally, new cardholders can earn a $200 bonus after spending $500 in the first three months. The card also has no annual fee and a 0% introductory APR for 15 months on purchases and balance transfers.Citi Double Cash
The Citi Double Cash card offers 2% cashback on all purchases - 1% when you make a purchase, and an additional 1% when you pay it off. There is no annual fee, and the card has a 0% introductory APR for 18 months on balance transfers.Discover it Cash Back
The Discover it Cash Back card offers 5% cashback on rotating categories each quarter, up to a maximum of $1,500 in purchases per quarter. Additionally, all other purchases earn 1% cashback. New cardholders can earn a dollar-for-dollar match of all cashback earned in the first year. The card has no annual fee and a 0% introductory APR for 14 months on purchases and balance transfers.Best Balance Transfer Credit Cards on Reddit for 2021
If you're carrying a balance on a high-interest credit card, a balance transfer card can help you save money on interest charges. Here are some of the best balance transfer cards for 2021, according to Reddit users.Chase Slate
The Chase Slate card offers a 0% introductory APR for 15 months on both purchases and balance transfers, with no balance transfer fee if you transfer your balance within the first 60 days. There is no annual fee for this card.Citi Simplicity
The Citi Simplicity card offers a 0% introductory APR for 18 months on balance transfers and 0% APR for 18 months on purchases. There are no late fees, penalty rates, or annual fees for this card.BankAmericard Credit Card
The BankAmericard Credit Card offers a 0% introductory APR for 18 billing cycles on balance transfers and purchases. There is no annual fee for this card and no penalty APR.The Best Low Interest Credit Cards for 2021 on Reddit
If you carry a balance on your credit card, a low-interest card can help you save money on interest charges. Here are some of the best low-interest credit cards for 2021, according to Reddit users.Wells Fargo Platinum Card
The Wells Fargo Platinum Card offers a 0% introductory APR for 18 months on purchases and balance transfers. After the introductory period, the APR ranges from 16.49% to 24.49%. There is no annual fee for this card.HSBC Gold Mastercard Credit Card
The HSBC Gold Mastercard Credit Card offers a 0% introductory APR on purchases and balance transfers for the first 18 months. After that, the APR ranges from 12.99% to 22.99%. There is no annual fee for this card.Capital One Quicksilver Cash Rewards Credit Card
The Capital One Quicksilver Cash Rewards Credit Card offers a 0% introductory APR for 15 months on purchases and balance transfers. After the introductory period, the APR ranges from 15.49% to 25.49%. The card also offers unlimited 1.5% cashback on all purchases with no annual fee.Best Rewards Credit Cards for Travel in 2021 on Reddit
If you love to travel, a rewards credit card can help you earn points or miles that you can redeem for flights, hotels, and other travel expenses. Here are some of the best rewards credit cards for travel in 2021, according to Reddit users.Chase Sapphire Preferred
The Chase Sapphire Preferred card offers 2x points on travel and dining purchases and 1x point on all other purchases. New cardholders can earn a sign-up bonus of 60,000 points after spending $4,000 within the first three months. The card has a $95 annual fee.Citi Premier Card
The Citi Premier Card offers 3x points on travel purchases, including gas stations, hotels, airfare, and more. Cardholders also earn 2x points on dining and entertainment and 1x point on all other purchases. New cardholders can earn a sign-up bonus of 60,000 points after spending $4,000 within the first three months. The card has an annual fee of $95.Capital One Venture Rewards Credit Card
The Capital One Venture Rewards Credit Card offers 2x miles on all purchases with no limit, and new cardholders can earn a sign-up bonus of 60,000 miles after spending $3,000 within the first three months. The card has an annual fee of $95.Top Credit Cards for Building Credit on Reddit in 2021
If you're new to credit or trying to improve your credit score, a credit-building card can help you establish credit and improve your score over time. Here are some of the top credit cards for building credit in 2021, according to Reddit users.Discover it Secured Credit Card
The Discover it Secured Credit Card requires a security deposit but offers rewards on all purchases and reports to all three major credit bureaus. After eight months, Discover will review your account to see if you qualify for an unsecured card. The card has no annual fee.Capital One Platinum Credit Card
The Capital One Platinum Credit Card is designed for those with limited or average credit and offers access to a higher credit limit with on-time payments. There is no annual fee for this card.Petal 2 Visa Credit Card
The Petal 2 Visa Credit Card is targeted towards those with limited credit history and offers cashback on all purchases. The card has no annual fee and no fees for late payments or foreign transactions.The Best Business Credit Cards for 2021 on Reddit
If you own a small business, a business credit card can help you manage your expenses and earn rewards on your purchases. Here are some of the best business credit cards for 2021, according to Reddit users.Chase Ink Business Preferred
The Chase Ink Business Preferred card offers 3x points on travel purchases, shipping, internet, cable, and phone services, and advertising purchases on social media and search engines. New cardholders can earn a sign-up bonus of 100,000 points after spending $15,000 within the first three months. The card has an annual fee of $95.American Express Blue Business Cash Card
The American Express Blue Business Cash Card offers 2% cashback on all purchases up to $50,000 per year, and 1% cashback after that. The card has no annual fee.CitiBusiness AAdvantage Platinum Select World Mastercard
The CitiBusiness AAdvantage Platinum Select World Mastercard offers 2x miles on American Airlines purchases and select business categories and 1x mile on all other purchases. New cardholders can earn a sign-up bonus of 65,000 miles after spending $4,000 within the first four months. The card has an annual fee of $99, waived for the first 12 months.Best Credit Cards for Students on Reddit in 2021
If you're a student, a credit card can help you build credit and earn rewards on your purchases. Here are some of the best credit cards for students in 2021, according to Reddit users.Discover it Student Cash Back
The Discover it Student Cash Back card offers 5% cashback on rotating categories each quarter, up to a maximum of $1,500 in purchases per quarter. Additionally, all other purchases earn 1% cashback. New cardholders can earn a dollar-for-dollar match of all cashback earned in the first year. The card has no annual fee.Journey Student Rewards from Capital One
The Journey Student Rewards from Capital One offers 1% cashback on all purchases, with an additional 0.25% cashback when you pay on time. The card also has no annual fee.Citi Rewards+ Student Card
The Citi Rewards+ Student Card offers 2x ThankYou points at supermarkets and gas stations, up to $6,000 in purchases per year, and 1x point on all other purchases. The card also rounds up to the nearest 10 points on every purchase and offers a 10% points rebate on the first 100,000 points redeemed per year. The card has no annual fee.The Best Credit Cards for Bad Credit on Reddit in 2021
If you have bad credit, it can be challenging to find a credit card that will approve you. However, there are options available that can help you rebuild your credit over time. Here are some of the best credit cards for bad credit in 2021, according to Reddit users.Capital One Secured Mastercard
The Capital One Secured Mastercard requires a security deposit but reports to all three major credit bureaus and offers access to a higher credit limit with responsible use. There is no annual fee for this card.The OpenSky Secured Visa Credit Card
The OpenSky Secured Visa Credit Card also requires a security deposit and reports to all three major credit bureaus. The card has no credit check requirement, making it a good option for those with poor credit. The card has an annual fee of $35.Fingerhut Credit Account
The Fingerhut Credit Account allows you to make purchases through Fingerhut and build credit over time. The account has no annual fee and reports to all three major credit bureaus.Top Credit Cards for No Annual Fee on Reddit in 2021
If you're looking for a credit card with no annual fee, there are plenty of options available. Here are some of the top credit cards for no annual fee in 2021, according to Reddit users.Chase Freedom Flex
The Chase Freedom Flex card offers 5% cashback on rotating categories each quarter, up to a maximum of $1,500 in purchases per quarter. Additionally, all other purchases earn 1% cashback. New cardholders can earn a $200 bonus after spending $500 in the first three months. The card also offers a 0% introductory APR for 15 months on purchases and balance transfers.Discover it Chrome
The Discover it Chrome card offers 2% cashback on gas stations and restaurants up to $1,000 in combined purchases each quarter and 1% cashback on all other purchases. New cardholders can earn a dollar-for-dollar match of all cashback earned in the first year. The card also has a 0% introductory APR for 14 months on purchases and balance transfers.Citi Double Cash
The Citi Double Cash card offers 2% cashback on all purchases - 1% when you make a purchase, and an additional 1% when you pay it off. There is no annual fee, and the card has a 0% introductory APR for 18 months on balance transfers.The Best Credit Cards for Dining and Entertainment on Reddit in 2021
If you love dining out or attending concerts and events, a credit card that offers rewards in these categories can help you save money and earn rewards. Here are some of the best credit cards for dining and entertainment in 2021, according to Reddit users.Capital One Savor Cash Rewards Credit Card
The Capital One Savor Cash Rewards Credit Card offers 4% cashback on dining and entertainment, 2% cashback at grocery stores, and 1% cashback on all other purchases. New cardholders can earn a sign-up bonus of $300 after spending $3,000 within the first three months. The card has an annual fee of $95.Chase Sapphire Preferred
The Chase Sapphire Preferred card offers 2x points on dining and travel purchases and 1x point on all other purchases. New cardholders can earn a sign-up bonus of 60,000 points after spending $4,000 within the first three months. The card has a $95 annual fee.Wells Fargo Propel American Express Card
The Wells Fargo Propel American Express Card offers 3x points on dining, travel, gas stations, rideshares, and more. Additionally, all other purchases earn 1x point. There is no annual fee for this card.In conclusion, there are various credit cards available for different purposes. Whether you're looking to earn cashback, build credit, or travel rewards, Reddit users have voted for some of the best options available in 2021. It's essential to research and compare different cards to find the one that fits your lifestyle and financial needs.The Best Credit Cards of 2021 on Reddit
Overview
Credit cards offer numerous benefits such as cashback, travel rewards, and building credit. However, choosing the right credit card can be overwhelming. Reddit offers a great platform for consumers to share their experiences and opinions on the best credit cards in 2021. Here we take a closer look at the pros and cons of some of the top credit cards recommended on Reddit.Pros and Cons of Best Credit Cards 2021 on Reddit
Chase Sapphire Preferred
Pros:
- Earns 2X points on travel and dining worldwide
- No foreign transaction fees
- You can transfer your points to popular airline and hotel loyalty programs
Cons:
- High annual fee ($95)
- Requires excellent credit to qualify
Citi Double Cash
Pros:
- Earns 2% cashback on all purchases
- No annual fee
- Offers balance transfer options with 0% APR for the first 18 months
Cons:
- No sign-up bonus
- Foreign transactions fees apply
Capital One Venture Rewards Credit Card
Pros:
- Earns 2X miles on all purchases
- No blackout dates for travel redemption
- No foreign transaction fees
Cons:
- High annual fee ($95)
- Requires good to excellent credit to qualify
Comparison Table
| Credit Card | Pros | Cons | Annual Fee |
|---|---|---|---|
| Chase Sapphire Preferred | Earns 2X points on travel and dining worldwide, no foreign transaction fees, you can transfer your points to popular airline and hotel loyalty programs | High annual fee ($95), requires excellent credit to qualify | $95 |
| Citi Double Cash | Earns 2% cashback on all purchases, no annual fee, offers balance transfer options with 0% APR for the first 18 months | No sign-up bonus, foreign transactions fees apply | $0 |
| Capital One Venture Rewards Credit Card | Earns 2X miles on all purchases, no blackout dates for travel redemption, no foreign transaction fees | High annual fee ($95), requires good to excellent credit to qualify | $95 |
Conclusion
Choosing the best credit card depends on your needs and spending habits. The Chase Sapphire Preferred, Citi Double Cash, and Capital One Venture Rewards Credit Card are some of the top credit cards recommended on Reddit in 2021. Each card has its advantages and disadvantages, so make sure to compare them before making any decision.Closing Message: The Best Credit Cards of 2021 on Reddit
Thank you for reading our comprehensive guide on the best credit cards of 2021 on Reddit. We hope that this article has provided valuable insights and helped you narrow down your options when it comes to choosing a credit card that suits your needs.
As we have discussed in this article, there are many factors to consider when choosing a credit card, including rewards programs, APR rates, annual fees, and sign-up bonuses. By carefully evaluating these factors and comparing different credit cards, you can find the one that maximizes your rewards and fits within your budget.
If you are new to the world of credit cards, we recommend starting with a basic card that has no annual fee, such as the Discover it Cash Back or the Chase Freedom Unlimited. These cards offer generous cashback rewards and can help you build up your credit score over time.
For those who are looking for more premium cards, the Platinum Card from American Express and the Chase Sapphire Reserve are great options. These cards offer exclusive perks such as airport lounge access, travel credits, and concierge services.
If you are someone who frequently travels abroad, we suggest checking out the Capital One Venture Rewards Credit Card or the Barclaycard Arrival Plus World Elite Mastercard. These cards offer no foreign transaction fees and generous travel rewards, making them ideal for frequent travelers.
Regardless of which credit card you choose, we advise using it responsibly and paying off your balance in full each month to avoid accruing interest charges and damaging your credit score.
Remember, the key to maximizing your rewards is to use your credit card for everyday purchases and to take advantage of sign-up bonuses and rewards programs. By doing so, you can earn cash back, points, or miles that can be redeemed for travel, merchandise, or statement credits.
Finally, we encourage you to join online communities such as Reddit to stay up-to-date on the latest credit card offers and to share your experiences with other users. By doing so, you can gain valuable insights and discover new ways to maximize your rewards and save money.
Thank you again for reading our guide on the best credit cards of 2021 on Reddit. We hope that you have found it informative and helpful in your search for the perfect credit card.
People Also Ask about Best Credit Cards 2021 Reddit
What is the best credit card for rewards in 2021?
The best credit card for rewards in 2021 is subjective and depends on your spending habits. However, some of the top picks for 2021 include:
- Chase Sapphire Preferred Card
- Citi Double Cash Card
- Capital One Venture Rewards Credit Card
- Blue Cash Preferred Card from American Express
What is the best credit card for cash back in 2021?
The best credit card for cash back in 2021 varies based on how much you spend in certain categories. Some top options include:
- Chase Freedom Unlimited Card
- Citi Double Cash Card
- Discover it Cash Back Card
- Blue Cash Preferred Card from American Express
What is the best credit card for travel in 2021?
The best credit card for travel in 2021 depends on what kind of traveler you are, but some of the top picks include:
- Chase Sapphire Preferred Card
- Capital One Venture Rewards Credit Card
- American Express Gold Card
- Chase Sapphire Reserve Card
What is the best credit card for balance transfers in 2021?
The best credit card for balance transfers in 2021 is one with a low or 0% introductory APR and no balance transfer fees. Some of the top options include:
- Citi Diamond Preferred Card
- Discover it Balance Transfer Card
- Chase Slate Card
- Wells Fargo Platinum Card
What is the best credit card for building credit in 2021?
The best credit card for building credit in 2021 is one that reports to all three credit bureaus, has no annual fee, and offers tools and resources to help you build credit. Some of the top options include:
- Capital One Platinum Credit Card
- Petal 2 Visa Credit Card
- Discover it Secured Credit Card
- OpenSky Secured Visa Credit Card