Best Credit Cards in the United States in 2021

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By Ben Harper

Best Credit Cards in the U.S.  for 2021

Looking for a new credit card? Before you pick one, it’s important you do some research about what each of your option has to offer.

At SimpleDirect, we consider many features to determine which credit cards are the best ones for consumers.

Whether you are looking to build a credit score or completing a home reno project, we have carried out thorough research and found the best options that will be a perfect fit just for you.

Compare Best Credit Cards In 2020

Best Credit Cards in the U.S. for 2021

  • Citi Diamond Preferred Card
  • Capital One Quicksilver Cash Rewards Credit Card
  • Discover it Miles
  • Discover it Secured
  • United Explorer Card

Citi Diamond Preferred Card

Citi Diamond Preferred Card is the right fit for you if you are looking to consolidating debt. Debt consolidation is a great way of turning multiple payment obligations into a single payment loan. With 0% APR on balance transfers for 18-month, this card is perfect for debt reduction!

Best credit cards for USA: Citi Diamond Preferred Card
Learn More About This Card

Pros

  • No Annual Fee
  • Long Intro APR Offer for the Balance Transfers
  • Citi Entertainment Special Event Access

Cons

  • 3% Foreign Transaction Fees
  • No Rewards Program or Welcome Bonus

Note

  • Recommended Credit Score: 700 or higher
  • Regular APR: 14.74% - 24.74%
  • Annual Fee: $0
  • Intro Purchase APR: 0% for a span of 18 months
  • Foreign Transaction Fee: 3%

Capital One Quicksilver Cash Rewards Credit Card

This card right here is one of the best credit cards in the U.S. right now. It's a well-rounded card with different offerings and the ease of use. You'll receive a 1.5% cashback on every dollar that you spend. Moreover, if you spend $500 in the first three months, you'll get a $150 bonus.

Best Credit Cards in the USA 2021: Capital One Quicksilver Cash Rewards Credit Card

If you’re planning on making a major purchase, you can get 15-months interest-free as a welcome bonus.

In addition, there are no annual fees that you’ll have to worry about.

Learn More About This Card

Pros

  • Competitive Welcome Bonus
  • No Annual Fee
  • 5% cashback on every dollar spent

Cons

  • No Interest-Free Promotion on the Balance Transfers

Note

  • Recommended Credit Score: 670 - 850
  • Regular APR: 15.49% - 25.49%
  • Annual Fee: $0
  • Intro Purchase APR: 0% for a span of 15 months
  • Foreign Transaction Fee: 0%

Discover it Miles

Discover it Miles is a suitable card for someone looking for cashback with higher flexibility. For every dollar spent, you earn 1.5 miles. You can also redeem miles as cashback.

This card offers 0% APR for 14 months.

Learn More About This Card

Pros

  • No Annual Fee
  • 0% APR Offer
  • You Can Redeem Miles as Cashback or Travel Credits

Cons

  • No Travel Insurance Benefits
  • You cannot Transfer Miles to Online Loyalty Programs

Note

  • Recommended Credit Score: 670 - 850
  • Regular APR: 11.99% - 22.99%
  • Annual Fee: $0
  • Intro Purchase APR: 0% for a span of 14 months
  • Foreign Transaction Fee: 0%

Discover it Secured

If you are a first-time borrower or someone who with a poor credit history, this card might be for you. This is a secured credit card, meaning there is some type of collateral (typically a cash deposit).

Best Credit Cards USA 2021: Discover it Secured

You can earn decent cashback on regular purchases. Cashback earnings are doubled at the end of the first year! Moreover, there are no annual fees.

Learn More About This Card

Pros

  • No Foreign Transaction Fee
  • Build Credit Along with Earning Cashback Rewards on Routine Purchases
  • Cash-Back Match as First-Year Bonus
  • Possibilities Towards an Upgrade to Automatic Unsecured Card

Cons

  • Low Cap on Highest Rewards Earning Rate
  • Low Maximum Credit Limit When Compared to Other Cards

Note

  • Recommended Credit Score: 350 - 850
  • Regular APR: 22.99%
  • Annual Fee: $0
  • Minimum Deposit for Activation: $200

United Explorer Card

This card is a perfect fit for frequent flyers! You will get nearly 60,000 extra miles if you spend $3,000 within the first three months.

That is a dollar value for nearly $1,368.

There are no annual fees for the first year.

Learn More About This Card

Pros

  • One of the best mile rewards
  • Travel perks like free checked bags and lounge pass
  • Earning extra miles isn’t just limited to flight purchases

Cons

  • Annual Fee is waived only for the first year

Note

  • Recommended Credit Score: 670 - 850
  • Regular APR: 16.49% - 23.49%
  • Annual Fee: $0 for the first year. $95 thereafter.
  • Foreign Transaction Fee: 0%

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Ben Harper

Ben is a personal finance writer with SimpleDirect, where he focuses on topics such as personal loans, credit cards, and offering financing.

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