Discover the Top Credit Cards of 2021 on Reddit's Best Credit Card Community
Discover the best credit cards of 2021 on Reddit! From cash back to travel rewards, find the perfect card to fit your needs and lifestyle.
Are you looking for the best credit cards to use in 2021? Look no further than Reddit, where users have shared their experiences and opinions on the top credit cards available. From cash back rewards to travel perks, there is a credit card for everyone's needs and lifestyle. Let's dive into the top credit cards recommended by Reddit users.
First up is the Chase Sapphire Preferred card, which offers a generous sign-up bonus and earns points on travel and dining purchases. Reddit users rave about the flexibility of the points system and the ease of redeeming rewards. Plus, the card comes with travel insurance and rental car coverage, making it a great option for jet-setters.
If you're looking for a card that offers cash back rewards, the Citi Double Cash card is a popular choice among Reddit users. With 2% cash back on all purchases, this card is a simple and straightforward way to earn rewards on everyday spending. Users also appreciate the lack of annual fee and the ability to convert cash back into ThankYou points.
For those who frequently shop at Amazon or Whole Foods, the Amazon Prime Rewards Visa Signature card is a must-have. This card offers 5% cash back on eligible Amazon and Whole Foods purchases, as well as 2% cash back at restaurants, gas stations, and drugstores. Reddit users love the convenience of earning rewards on their regular shopping habits.
If you're a frequent traveler, the American Express Platinum card is worth considering. While it does come with a hefty annual fee, the card offers a plethora of travel perks such as airport lounge access, hotel elite status, and statement credits for travel expenses. Users also appreciate the concierge service and the ability to transfer points to airline and hotel loyalty programs.
Another travel-focused card with no annual fee is the Wells Fargo Propel American Express card. This card offers 3x points on dining, gas stations, rideshares, and travel, making it a great option for those who frequently eat out or commute. Reddit users also appreciate the lack of foreign transaction fees and the cell phone protection benefit.
If you're in the market for a business credit card, the Ink Business Preferred card from Chase is a popular choice among Reddit users. With a generous sign-up bonus and 3x points on travel, shipping, internet, cable, and phone services, this card is a great option for small business owners. Users also appreciate the cell phone protection benefit and the ability to transfer points to other Chase Ultimate Rewards cards.
For those with bad credit or looking to build credit, the Discover it Secured card is a top pick among Reddit users. This card requires a security deposit but offers cash back rewards on all purchases, as well as free access to your FICO credit score. Plus, after eight months of responsible use, Discover will review your account to see if you're eligible for an unsecured credit card.
If you're a fan of Costco, the Costco Anywhere Visa card from Citi is a great option. With 4% cash back on eligible gas purchases (up to $7,000 per year), 3% cash back on restaurant and travel purchases, and 2% cash back at Costco, this card can help you save money on everyday expenses. Users also appreciate the lack of annual fee and the extended warranty benefits.
For those who value simplicity and flexibility, the Capital One Venture Rewards card is a great option. With a flat 2x miles on all purchases, users can earn rewards on everything from groceries to vacations. Plus, the miles can be redeemed for travel or cash back, making it easy to use rewards however you like.
Finally, for those who want to support a good cause with their credit card, the Charity Charge World Mastercard is a unique option. This card allows users to donate 1% of their purchases to the charity of their choice, making it easy to give back while going about your daily life. Users also appreciate the lack of annual fee and the ability to earn rewards on all purchases.
Introduction
Credit cards have become an essential financial tool in our daily lives. They offer a convenient way to make payments, earn rewards, and build credit scores. With so many credit card options available, choosing the right one can be overwhelming. Reddit, the popular social news platform, is a great source of information for credit card enthusiasts. In this article, we will explore the best credit cards recommended by Reddit users for 2021.Cashback Cards
Chase Freedom Unlimited
The Chase Freedom Unlimited credit card is highly recommended by Reddit users for its cashback rewards program. It offers unlimited 1.5% cashback on all purchases, and a $200 bonus after spending $500 in the first three months. The card also comes with a 0% introductory APR for the first 15 months on purchases and balance transfers.Citi Double Cash
Another popular cashback credit card recommended by Reddit users is the Citi Double Cash card. It offers 2% cashback on all purchases – 1% when you make a purchase and another 1% when you pay your bill. There are no annual fees, and the card comes with a 0% introductory APR for the first 18 months on balance transfers.Travel Cards
Chase Sapphire Preferred
If you are a frequent traveler, the Chase Sapphire Preferred credit card is a great option. It offers 60,000 bonus points after spending $4,000 in the first three months, which is worth $750 in travel rewards when redeemed through Chase Ultimate Rewards. The card also offers 2X points on travel and dining purchases, and 1X point on all other purchases.American Express Gold Card
The American Express Gold Card is another popular travel credit card recommended by Reddit users. It offers 35,000 Membership Rewards points after spending $4,000 in the first three months, and 4X points on dining and supermarket purchases. The card also comes with a $120 annual dining credit and a $100 airline fee credit.No Annual Fee Cards
Discover It
The Discover It credit card is a great option for those who want a no-annual-fee card with cashback rewards. It offers 5% cashback on rotating categories each quarter, and 1% cashback on all other purchases. The card also comes with a 0% introductory APR for the first 14 months on purchases and balance transfers.Citi Diamond Preferred
The Citi Diamond Preferred credit card is another no-annual-fee card recommended by Reddit users. It offers a 0% introductory APR for the first 18 months on purchases and balance transfers. The card also comes with Citi Entertainment benefits, including presale tickets, VIP packages, and more.Business Cards
Chase Ink Business Cash
For small business owners, the Chase Ink Business Cash credit card is a great option. It offers 5% cashback on the first $25,000 spent in combined purchases at office supply stores and on internet, cable, and phone services each year. The card also offers 2% cashback on the first $25,000 spent in combined purchases at gas stations and restaurants each year.American Express Blue Business Plus
The American Express Blue Business Plus credit card is another popular business credit card recommended by Reddit users. It offers 2X Membership Rewards points on the first $50,000 spent each year, and 1X point on all other purchases. There are no annual fees, and the card comes with a 0% introductory APR for the first 12 months on purchases and balance transfers.Conclusion
In conclusion, there are many credit card options available, and choosing the right one depends on your individual needs and preferences. Reddit is a great source of information for credit card enthusiasts, as it offers real-life experiences and recommendations from other users. Whether you are looking for cashback rewards, travel benefits, no annual fees, or business perks, there is a credit card out there that can meet your needs.Introduction to Reddit's Best Credit Cards of 2021
Credit cards can be a useful tool for managing personal finances and earning rewards. However, with so many options available, it can be challenging to determine which credit card is right for you. That's where Reddit comes in. The popular online forum has a community of credit card enthusiasts who share their experiences and insights on the best credit cards available. In this article, we'll explore Reddit's best credit cards of 2021 across different categories.Cashback Credit Cards: Top Picks for 2021
Cashback credit cards are popular among consumers because they allow them to earn cash rewards on purchases. Here are some of Reddit's top picks for cashback credit cards in 2021:Chase Freedom Unlimited
The Chase Freedom Unlimited is a great cashback credit card for everyday spending. It offers a flat 1.5% cashback on all purchases, with no annual fee. Additionally, new cardholders can earn a $200 bonus after spending $500 in the first three months.Discover it Cash Back
The Discover it Cash Back is another excellent option for cashback rewards. It offers 5% cashback on rotating quarterly categories, such as gas stations, grocery stores, and restaurants, up to a maximum of $1,500 in purchases each quarter. Cardholders also earn 1% cashback on all other purchases. What's more, Discover matches all cashback earned in the first year for new cardholders.Travel Rewards Credit Cards: Best Options for 2021
Travel rewards credit cards are ideal for frequent travelers who want to earn rewards for their travel expenses. Here are some of Reddit's top picks for travel rewards credit cards in 2021:Chase Sapphire Preferred
The Chase Sapphire Preferred is a popular travel rewards credit card that offers 2x points on travel and dining purchases and 1x point on all other purchases. Cardholders can redeem points for travel through the Chase Ultimate Rewards portal, where points are worth 25% more. New cardholders can earn a sign-up bonus of 100,000 points after spending $4,000 in the first three months.Citi Premier Card
The Citi Premier Card is another excellent option for travel rewards. It offers 3x points on travel purchases, including gas stations, airfare, hotels, and more. Cardholders also earn 2x points on dining and entertainment purchases and 1x point on all other purchases. Points can be redeemed for travel through the ThankYou Rewards portal, where points are worth 25% more.Balance Transfer Credit Cards: Top Choices for Saving Money in 2021
Balance transfer credit cards can be useful for consumers who want to consolidate their credit card debt and save money on interest. Here are some of Reddit's top picks for balance transfer credit cards in 2021:Citi Simplicity Card
The Citi Simplicity Card is an excellent option for balance transfers because it offers an introductory 0% APR for 18 months on balance transfers and purchases. Additionally, there are no late fees or penalty rates, making it a great choice for those who want to avoid additional fees and charges.Discover it Balance Transfer
The Discover it Balance Transfer is another great option for consolidating credit card debt. It offers an introductory 0% APR for 18 months on balance transfers, with a 3% balance transfer fee. Additionally, cardholders earn 5% cashback on rotating quarterly categories, up to a maximum of $1,500 in purchases each quarter.Credit Cards for Building Credit: Best Options for 2021
Credit cards can be a useful tool for building credit and establishing a positive credit history. Here are some of Reddit's top picks for credit cards for building credit in 2021:Capital One Platinum Credit Card
The Capital One Platinum Credit Card is a great option for those who are new to credit or have limited credit history. It offers access to a higher credit line after making five on-time payments, and there is no annual fee.Petal 2 Visa Credit Card
The Petal 2 Visa Credit Card is another excellent option for building credit. It offers cashback rewards on purchases, with up to 1.5% cashback on all purchases. Additionally, the card has no fees, including no annual fee, late fee, or foreign transaction fee.Premium Credit Cards: Top Picks for 2021
Premium credit cards offer exclusive perks and benefits for high-spending consumers. Here are some of Reddit's top picks for premium credit cards in 2021:Chase Sapphire Reserve
The Chase Sapphire Reserve is a popular premium credit card that offers 3x points on travel and dining purchases and 1x point on all other purchases. Cardholders get access to a host of exclusive benefits, including a $300 annual travel credit, Priority Pass airport lounge access, and more. New cardholders can earn a sign-up bonus of 60,000 points after spending $4,000 in the first three months.The Platinum Card from American Express
The Platinum Card from American Express is another popular premium credit card that offers a range of exclusive benefits. Cardholders get access to airport lounges worldwide, a $200 annual airline fee credit, and more. Additionally, new cardholders can earn a sign-up bonus of 100,000 Membership Rewards points after spending $6,000 in the first six months.Student Credit Cards: Best Options for 2021
Student credit cards offer unique benefits and rewards for college students who want to start building their credit history. Here are some of Reddit's top picks for student credit cards in 2021:Discover it Student Cash Back
The Discover it Student Cash Back is a great option for college students who want to earn cashback rewards on purchases. It offers 5% cashback on rotating quarterly categories, up to a maximum of $1,500 in purchases each quarter. Additionally, cardholders earn 1% cashback on all other purchases. What's more, Discover matches all cashback earned in the first year for new cardholders.Journey Student Rewards from Capital One
The Journey Student Rewards from Capital One is another excellent option for college students. It offers 1% cashback on all purchases, with an additional 0.25% cashback when you pay on time. Additionally, there is no annual fee, making it a great choice for those who want to avoid additional charges.Small Business Credit Cards: Top Choices for 2021
Small business credit cards offer unique benefits and rewards for entrepreneurs and small business owners. Here are some of Reddit's top picks for small business credit cards in 2021:Chase Ink Business Preferred
The Chase Ink Business Preferred is a popular small business credit card that offers 3x points on travel, shipping, internet, cable, and phone services, and advertising purchases on social media and search engines. Cardholders get access to a host of exclusive benefits, including a sign-up bonus of 100,000 points after spending $15,000 in the first three months.Capital One Spark Cash for Business
The Capital One Spark Cash for Business is another great option for small business owners. It offers a flat 2% cashback on all purchases, with no annual fee for the first year. Additionally, new cardholders can earn a sign-up bonus of $500 after spending $4,500 in the first three months.Low Interest Credit Cards: Best Options for 2021
Low-interest credit cards can be useful for consumers who want to save money on interest charges. Here are some of Reddit's top picks for low-interest credit cards in 2021:Citi Diamond Preferred
The Citi Diamond Preferred is an excellent option for those who want a low-interest rate and no annual fee. It offers an introductory 0% APR for 18 months on balance transfers and purchases, with a 3% balance transfer fee.Wells Fargo Platinum Card
The Wells Fargo Platinum Card is another great option for low-interest rates. It offers an introductory 0% APR for 18 months on balance transfers and purchases, with a 3% balance transfer fee. Additionally, there is no annual fee.Credit Cards with No Annual Fees: Top Picks for 2021
Credit cards with no annual fees are a great option for consumers who want to avoid additional charges. Here are some of Reddit's top picks for credit cards with no annual fees in 2021:Chase Freedom Flex
The Chase Freedom Flex is a great option for those who want a cashback credit card with no annual fee. It offers 5% cashback on rotating quarterly categories, up to a maximum of $1,500 in purchases each quarter. Additionally, cardholders earn 1% cashback on all other purchases.Citi Double Cash Card
The Citi Double Cash Card is another great option for a credit card with no annual fee. It offers 2% cashback on all purchases, with 1% cashback earned on purchases and 1% cashback earned when you pay your bill.In conclusion, there are many credit card options available in the market, and it can be challenging to determine which one is right for you. Reddit's community of credit card enthusiasts provides valuable insights into the best credit cards available across different categories. Whether you're looking for cashback rewards, travel rewards, or a card with no annual fee, there is a credit card that meets your needs.Reddit's Best Credit Cards 2021: A Comprehensive Review
The Pros of Reddit's Best Credit Cards 2021
Reddit's best credit cards for 2021 offer a range of benefits that can help you save money and earn rewards. Here are some of the pros:
- Generous sign-up bonuses: Many of the top-rated credit cards on Reddit offer significant sign-up bonuses, which can range from $150 to $1,000 or more.
- High rewards rates: The best credit cards offer high rewards rates on purchases, allowing you to earn cash back, points, or miles on every dollar spent.
- No annual fees: Some of the best credit cards come with no annual fee, making them an affordable option for those who want to earn rewards without paying extra fees.
- Flexible redemption options: Many rewards credit cards offer flexible redemption options, including cash back, statement credits, travel, and merchandise.
- Travel benefits: Some of the top-rated credit cards come with travel benefits such as airport lounge access, travel insurance, and waived foreign transaction fees.
The Cons of Reddit's Best Credit Cards 2021
While there are many benefits to using Reddit's best credit cards for 2021, there are also some drawbacks to consider:
- High annual fees: Some of the best credit cards come with high annual fees, which can range from $95 to $550 or more.
- Interest charges: If you carry a balance on your credit card, you will be charged interest, which can be high and negate any rewards earned.
- Strict eligibility requirements: Some of the top-rated credit cards require excellent credit scores and high income levels, which may make them out of reach for some consumers.
- Limited acceptance: Some credit cards are only accepted at certain merchants, which can limit your ability to earn rewards or use your card in certain situations.
Comparison of Reddit's Best Credit Cards 2021
Here is a table comparison of some of the best credit cards on Reddit for 2021:
| Credit Card | Sign-Up Bonus | Rewards Rate | Annual Fee | Other Benefits |
|---|---|---|---|---|
| Chase Sapphire Preferred | $1,000 in travel rewards | 2x points on travel and dining, 1x points on all other purchases | $95 | Travel benefits, no foreign transaction fees |
| Capital One Venture Rewards | 100,000 miles | 2x miles on all purchases | $95 | Travel benefits, no foreign transaction fees |
| Citi Double Cash | N/A | 2% cash back on all purchases | $0 | No annual fee, balance transfer offer |
| Amex Platinum | 100,000 points | 5x points on flights and hotels, 1x points on all other purchases | $550 | Travel benefits, airport lounge access, Uber credits |
Ultimately, the best credit card for you will depend on your spending habits, financial goals, and personal preferences. By carefully considering the pros and cons of Reddit's best credit cards for 2021, you can choose a card that fits your needs and helps you achieve your financial goals.
Thank You for Taking the Time to Read Our Guide on the Best Credit Cards of 2021
At this point, you should have a much better understanding of the different credit cards available to you in 2021. Whether you’re looking for cashback rewards, travel perks, or a low interest rate, there’s a credit card out there that can meet your needs.
However, we want to stress the importance of doing your own research before applying for any credit card. While we’ve done our best to provide accurate information, there may be factors that are specific to your situation that we haven’t considered.
Always read the fine print before agreeing to any terms and conditions. Make sure you understand the interest rates, fees, and rewards program before signing up for a new card. And remember, credit cards can be a valuable tool for building credit, but they can also be dangerous if not used responsibly.
If you’re struggling with debt or have a history of missed payments, it may be best to avoid credit cards altogether. Instead, focus on paying down your existing debt and improving your credit score before applying for new lines of credit.
For those of you who do decide to apply for a new credit card, we recommend taking advantage of online resources like Reddit to learn more about other people’s experiences with different cards. Reddit is a great place to ask questions, share advice, and connect with other credit card users.
Whether you’re a seasoned credit card user or just starting out, there’s always something new to learn about credit cards and personal finance. We hope our guide has been informative and useful in your search for the perfect credit card for your needs.
Remember, credit cards can be a powerful tool for managing your finances and building your credit score, but they can also be a liability if used irresponsibly. Always make sure you’re using your credit cards wisely and paying off your balances in full each month to avoid interest charges and fees.
Finally, we want to thank you for taking the time to read our guide. We hope it has been helpful in your search for the best credit cards of 2021. If you have any questions or comments, please feel free to reach out to us. We’re always happy to hear from our readers and help in any way we can.
Good luck on your credit card journey, and remember to stay informed, responsible, and financially savvy!
People Also Ask About Reddit Best Credit Cards 2021
What are the best credit cards for cash back?
If you're looking for a credit card that offers cash back rewards, some of the best options include:
- Chase Freedom Unlimited
- Citi Double Cash Card
- Blue Cash Preferred Card from American Express
What are the best travel credit cards?
For those who love to travel, the following credit cards offer great rewards and benefits:
- Chase Sapphire Preferred Card
- The Platinum Card from American Express
- Citi Premier Card
What credit cards have no annual fee?
If you're looking for a credit card without an annual fee, consider the following options:
- Discover it Cash Back
- Chase Freedom Unlimited
- Citi Double Cash Card
What are the best credit cards for building credit?
If you're looking to build your credit, consider applying for one of the following credit cards:
- Capital One Secured Mastercard
- Discover it Secured
- Petal 2 Visa Credit Card
What are the best credit cards for students?
If you're a student looking for a credit card, some of the best options include:
- Journey Student Rewards from Capital One
- Discover it Student Cash Back
- Citi Rewards+ Student Card
What credit cards offer the best sign-up bonuses?
If you're looking for a credit card with a great sign-up bonus, consider these options:
- Chase Sapphire Preferred Card
- Capital One Venture Rewards Credit Card
- American Express Gold Card
What are the best credit cards for balance transfers?
If you're looking to transfer a balance from another credit card, consider applying for one of these cards:
- Citi Double Cash Card
- Chase Slate
- Discover it Balance Transfer