Looking for the best credit card reward deals for in 2021? If so, then you’re a smart and savvy shopper. Rewards cards off just that — rewards for shopping on everything in your life. They come in the form of travel points for airlines, hotels or car rentals, places you love to shop like Starbucks or Target, and simple cash back offers.
And, as long as you pay off those bills right away, there’s no risk of wracking up unnecessary debt.
First, here’s a list of the best credit card reward deals in 2021 based on past shoppers’ experiences.
Specific Credit Card Offers
Beyond the shopper-reviewed offers from SuperMoney, Savetastic also compiled this list of Best Personal Rewards Credit Cards as a whole. It covers both shopper-reviewed suggestions as well as rewards cards we thought we worth mentioning.
Below are also a handful of offers that Savetastic has reviewed as well. The offers below are not affiliates and we do not make money if you engage with them. We present the info based on our own research.
Citi Double Cash Card
This card not only tops our list, but it tops Forbe’s and Nerd Wallet’s lists as well. It comes with a slew of features:
- No annual fee
- A 1%-2% rewards rate
- A 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases
According to Forbes they picked this card because “Citi Double Cash card’s simple cash back structure and long lasting APR offer make the Citi Double Cash a favorite among those who want to set it and forget it. It offers a solid cash back rate on all purchases, plus a long-lasting 0% intro APR offer, all without an annual fee.” To apply for this card, you’ll need an excellent credit score, 720 to 850.
Chase Freedom Unlimited
With no annual fee, and a rewards rate between 1.5%-5%, the Chase Freedom Unlimited makes it onto multiple lists of Best Credit Cards of 2021. You get an intro offer of $200 after spending $500 on purchases within the first three months. You’ll also earn “5% on travel…3% on dining…and [in] drugstores and 1.5% on all other purchases.” On the negative side, this card does have a foreign transaction fee, so it’s not the best choice for people who travel internationally. You will need good to excellent credit (690-850) to apply.
Chase Sapphire Reserve
This is CNBC’s best dining rewards card. You get a welcome bonus of 50,000 points and you can “earn 3X points on travel immediately after earning your $300 travel credit.” And you can “earn 3X points on dining at restaurants” according to Chase. This card is best for travelers with a good income and excellent credit (750-850). Also, keep in mind that there is an annual fee of $550 and high APRs (16.99%-23.99%).
Citi Diamond Preferred Card
This card is a bit different from the others. It doesn’t give rewards, but it’s the best card if you’re looking to transfer balances. With no annual fee and 0% APR on balance transfers for 18 months, this is a great card to reduce the interest you’re paying on another card. Just make sure that you’re aware of when the 0% APR period ends.
American Express Gold Card
Are you a digital nomad who loves to travel the world and eat? Then you’ll want to apply for the American Express Gold Card, now also available in rose gold. Earn 4X the points on restaurants around the world, grocery stores in the US, UberEats purchases. And get 3X the points when you book flights on the American Express website. The annual fee is $250 and you’ll need very good credit (700-749) to apply. One downside, this card doesn’t get you lounge access at airports.