Five Best Credit Cards of 2021

Five Best Credit Cards of 2021

The number of credit cards available has made it a little difficult for consumers to make a choice. There are one too many options with various benefits. With this, you can become overwhelmed.

Learning a thing or two about the types of credit cards is a good step. However, you do not have to know about everything. To skip this process, you only need to focus on what kind will suit your need and go for it. In this article, we will exposit on the five best credit cards of 2021 and their features.

Five Types of Credit Card

Do you want to know what type of card will be best for you? Here, we will summarize what you need to know about the top five types.

Those That Offer Cash Backs

These categories offer users a percentage return on every purchase or expense made with it. The percentage might vary based on the card. While some providers might offer every user a flat percentage rate, others may give cash backs as points. You can use them to purchase tickets at cinemas or airports.

Cash-back can be very appealing. However, note that some providers of these generous packages charge an annual fee. You might find some with annual fees of up to $100.

How will you know this card is for you?

Like we have stated earlier, cashback cards come in two categories; flat rate and bonus point offer. You can choose a cashback card if you intend to use it for daily expenses like shopping and paying for dining.

Amongst both kinds, if you spend more on shopping and dining, you can consider choosing a bonus point category. However, if your expenses are not in a specific category, you can go for one with a flat rate.

Those That Offer All Sorts of Rewards

A reward credit card is just like a cashback type. However, not every reward cards offer cash backs. In this category, the rewards come in various forms. They typically give a wide range of ways customers can redeem the rewards.

Rewards are offered in various ways and for spending on different categories. Some ways you can redeem your rewards include gift cards, travel tickets, gas coverage, and more.

How will you know this card is for you?

Since the more you spend, the higher your reward, having high expense is the first way you know if this is for you. If you spend a lot on purchases with your card, you can try out this category. However, if your expenses are on groceries, dining out, and gas, you have a higher chance of getting rewards on them.

Those That Offer Low-Interest Rates

These categories offer a zero percent APR after every purchase. However, it is left for a limited time only. Some providers allow this for over two years. Some others offer low-interest rates on certain purchases.

How will you know this card is for you?

Zero APR cards are very beneficial to users who intend to make large purchases at once. Additionally, if you want to pay gradually for the purchase, you have found your best fit. You can click on to know more about APR.

Those for Business Owners

Business cards are to help business owners separate their expenses from business expenses. More so, they earn rewards while doing that. Interestingly, a business card gives cash back. It assists you in running your business operations.

How will you know this card is for you?

Owning a business or an income source is not a requirement for having a business card. However, if you intend to separate funds for a project from your funds, you can go for a business card. If you also spend much on business trips and purchases, this might be the right option for you.

Credit Cards for Students

These cards are otherwise known as starter credit cards. It is actually among the most approved ones that you can get. It intends to create a healthy borrowing habit in young people. Some providers do not charge APRs for this category.

However, they offer a range of bonuses for academic achievements like having good grades. You get rewards on expenses made for as much as $1. Students can use this to build a good credit score. You can click here to read more about credit scores.

How will you know this card is for you?

As the name implies, you can go for this if you are a student. However, you can also apply for it if you need to build a good credit score. If you are getting started with credit cards, getting one that can be approved fast is best.


When options become numerous, the decision becomes hard; choosing a credit card can be tasking because of the available options. However, you can focus on what fits your needs and provide the benefits that you desire. You should know that some cards are difficult to get approved so, go for those with fewer application processes.


Leave a Reply

Your email address will not be published. Required fields are marked *