10 Best Credit Cards in America in 2021

What are the best credit cards in America?

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Depending on your needs, it can be very convenient to use credit cards to pay for your purchases.

However, there is currently no single credit card that can tick all the boxes in terms of points, refunds, travel rewards, and overseas transaction fees.

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Plus, if you are looking to rebuild your credit score, there are specific credit cards available for it.

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So we've put together a list of the ten best credit cards in America that should give you a good idea of ​​what might be right for you.

Remember to factor in the annual membership fee, the interest rate after the introductory bonus period, and all general rewards and benefits.

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A practical tip: Set a reminder in your calendar of the annual subscription date for each card one month before it expires. This will give you time to cancel the card or renegotiate the terms.

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The 10 Best Credit Cards in America

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The list of US credit cards and the numbers mentioned below have been compiled from various sources on the web, such as The Balance, Value Penguin, and The Points Guy.

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There is another card, not the best ones but lest for those having bad or no credit history. Milestone Credit Card is the best option for people having credit issues. This card offers MilestoneApple.com pre-qualification and also helps build your credit history. So don't waste your time applying for this card and getting started with it.

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These are the 10 best credit cards in America:

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10. Secure OpenSky Visa® credit card

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We thought it would be a good idea to start the list with a card suitable for people with low credit scores looking to rebuild their credit.

The OpenSky® Secure Visa® credit card does not require a credit check, which is great news if you're still putting your credit history in order or have some outstanding debt. Applying for the card will also have no impact on your credit score!

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Then you can set your own credit limit. To do this, you need to make a refundable deposit of $ 200-3,000, which forms the basis of your credit limit, so that you have full control of your limit from day one.

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You can use your card for all your usual daily purchases and set up automatic email alerts to make sure you never miss your minimum payment.

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That said, you should always aim to pay off your credit card in full each month. It is good practice.

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This will help you develop strong financial habits and show the three major credit bureaus that you are responsible and that you can manage your money.

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The card comes with a small annual fee of $ 35 and the APR is variable at 19.4%.

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Once you have built up a good track record, then you can start to think about applying for an unsecured credit card from another lender.

 

9. Citi Simplicity Card

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Okay, so if you already have a balance and are looking to save some time, this card might be for you.

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The Citi Simplicity® card has a 21-month (0%) annual exchange rate on all balance transfers and a 12-month (0%) annual exchange rate on purchases.

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At the end of the initial introductory period, your interest rate will drop to 16.74% - 26.74% depending on your credit rating.

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Don't forget the balance transfer fees. There is a charge of $ 5 or 5% whichever is greater for each transfer.

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There are many other cards that don't have a charge, but most of their introductory balance transfer periods are much shorter than the Simplicity card.

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So it is better for most people to go for this card because you can save more on interest than on balance transfer fee.

In addition, the Simplicity card has no annual fees, late fees or penalties!

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8. Ink Business Preferred℠ Credit Card

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The next credit card on the list will be of interest to all business owners.

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With 80,000 points to grab when you spend $ 5,000 in the first three months, this card is ideal if you have a lot of business expenses that you can purchase with your card.

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When you redeem these points through Chase's Ultimate Rewards program, it equates to approximately $ 1,000 in rewards.

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Like most cards from Chase, this one has no overseas transaction fees and comes with a small annual fee of $ 95.

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In terms of points, this card gives you 3 points per dollar spent on the first $ 150,000 in combined purchases.

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Keep in mind that this measure is limited to certain categories, including travel, advertising, the internet and cable services.

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For all other purchases, you will receive 1 point per dollar spent, with no limit on earnings.

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Since this is a business credit card, you will also get free employee cards at no additional cost.

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You can set individual spending limits for each employee and keep tabs on your spending using the mobile app.

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The Ink Business Preferred credit card has a variable annual interest rate of 17.99% to 22.99%, depending on your creditworthiness.

 

7. American Express SkyMiles® Gold Delta Credit Card

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The second best credit card in America is the first offer from American Express on our list.

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The Gold Delta SkyMiles® card has no annual fee in the first year and offers a 30,000 point bonus when you spend $ 1,000 in the first three months.

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You will also get a $ 50 credit on your account statement after making a Delta payment within the first three months.

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When you use the card to make purchases directly from Delta, you receive 2 miles for every dollar spent, and for everything else, you receive 1 point for every dollar spent.

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The APR of this card is between 17.74% and 26.74%, variable according to the purchases, and does not include fees for transactions abroad.

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The cost of your first checked baggage is covered by the card and once you are on an eligible flight you can use your card to receive an additional 20% discount on food, drinks and headphones.

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Keep in mind that after the first year, you will need to pay $ 95 to continue using the card.

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6. Chase Sapphire Reserve®

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This card has long been considered one of the best cards on the market.

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For starters, if you spend $ 4000 in your first three months, you'll earn a nice bonus of 50,000 points, which can be redeemed for travel credit of up to $ 750 if you use the rewards portal. Chase.

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Then you will receive 3 points for every dollar spent on travel purchases and meals and 1 point for everything else.

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In addition, Chase gives you a $ 300 travel credit, card-less access to premium business lounges, and a $ 100 credit for the handling fees for Global Entry or TSA PreCheck.

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The card comes with a pretty high annual fee of $ 450, but most of that can be offset by the $ 300 travel credit. This leaves 150 dollars, which can be easily justified by access to the international business lounge.

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Keep in mind that you will most likely need a great credit history to get this card approved, so plan your application carefully.

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5. The American Express Platinum® card

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Probably one of the most recognizable and popular credit cards on the market, the Platinum Card from American Express offers some great benefits.

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With an annual fee of $ 550, it's easy to start trying to justify what makes this card so good.

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After spending $ 5,000 in the first three months, you will earn 60,000 bonus points.

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Then you can earn 5x the membership reward points when you book flights directly with airlines or with American Express Travel.

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If you're an Uber person, you'll receive an Uber credit of $ 15 per month and $ 20 in December, which equals $ 200 in annual Uber savings.

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Then you will receive a credit of $ 200 per calendar year for airfare, access to an international business lounge, and an average total of $ 550 in hotel-related benefits and at the resort.

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Once you add up all the discounts and perks, the hefty annual fee is drastically reduced. The total value of the bonus points is equivalent to approximately $ 1,200.

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4. Capital One® Venture® Rewards credit card

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In fourth place we have a credit card that offers 2x unlimited miles on every dollar spent, which is great if you are looking for a simple travel credit but still has high earning potential.

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As a new cardholder, you will receive 50,000 bonus miles when you spend $ 3,000 on purchases within the first 3 months of opening the account.

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The card has no annual fee for the first year, no overseas transaction fees, and a variable annual interest rate of 17.99% to 25.24%. After the first year, the annual fee is $ 95.

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Currently, Capital One is also offering 10x miles per dollar spent at hotels.com/venture, through January 2020.

If you are looking for a good credit card for travel rewards then you can't really go wrong with this one.

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This is not the best card for redeeming points for cash, so you may want to consider using another credit card from the list.

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3. American Express Gold Card

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The American Express Gold Card is one of the best cards on the market.

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It has a very good reward points system, which allows cardholders to earn 4 points per dollar spent in US supermarkets, up to $ 25,000 per year, 4 points per dollar spent in restaurants around the world integer, 3 points per dollar spent on flights booked by the airline or using Amex travel, and 1 point per dollar spent on everything else.

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If the reward points aren't enough, how about an extra $ 100 credit for airfare, no overseas transaction fees, and a $ 10 credit on your monthly statement when you pay with the Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruth's Chris Steak House, Boxed and participating Shake Shack stores.

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So, if you eat at one of these places regularly, you could save an additional $ 120 a year and earn a massive number of points.

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2. American Express Blue Cash Preferred®

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The fourth American Express card on our list is the Blue Cash Preferred® card.

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If you're looking for a particular cashback card, this one might be right up your street.

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For starters, you'll get a $ 250 credit on your statement when you've spent $ 1,000 on purchases in the first three months.

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Then you will earn 6% Cash Back in US Supermarkets up to $ 6,000 in purchases per year, 3% on purchases at US gas stations, 3% on Ground Transportation, 6% on certain services American streaming television and music, and 1% on everything else.

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After the initial 12 month 0% introductory period, the APR will be variable between 14.99% and 25.99% and you will need to pay an annual fee of $ 95.

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If you are interested in this card, you will need to make sure that your credit history is in order, as it requires excellent credit.

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1. Chase Sapphire Preferred Card

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The Chase Sapphire Preferred® card tops the list of the 10 best credit cards in America.

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This map is a good all-rounder. It has no overseas transaction fees, a small annual membership fee of $ 95, and a good sign-up bonus for new members.

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You will receive 60,000 bonus points when you have spent $ 4,000 in your first three months. As with the Chase Sapphire Reserve® card, if you redeem points through the Chase Ultimate Rewards portal, they will be worth $ 750!

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When you use the card, you receive two points for every dollar spent on travel and meals and one point for every dollar spent on any other purchase.

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Again, if you choose to redeem your points through the Chase Ultimate Rewards program then your points will be worth 25% more.

What sets this card apart from the rest is that the points you earn are part of the Chase Ultimate Rewards program. This means that you can transfer your points to 12 different travel programs allowing you to increase your travel options, which is way better than any of the other options available.

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Again, as with some of the other premium credit cards on the list, be sure to check your credit score before applying for this card, as it must have a good score to be approved.

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Summary

We hope you enjoyed our list of the 10 best credit cards in America.

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Whether you're new to the credit card world or looking for your next card, use this list to find a credit card that's right for you.

Remember to check everything, jot down key dates, and set up automatic payments right from the start!