Best Credit Cards for 2021 | ConsumerAffairs

Capital One

Read 5,181 Reviews

Offers credit cards with features like travel rewards, cashback rewards and credit-building perks. No starting balance requirements for new checking accounts. Also offers home and auto loans. Limited branch locations.


Read 1,033 Reviews

Provides credit cards, banking services and loans. Get preapproved for credit cards on the website. Offers special credit cards for students and those who want travel benefits or cashback rewards.

Chase Credit Cards

Read 5,147 Reviews

Offers multiple types of credit cards, including those for business and options with travel and cashback rewards. Annual fees range from $0 to $195. Rates vary but some cards have 0% introductory APRs.


Read 1,575 Reviews

Offers a variety of credit card types with different benefits. Some low and 0% APR intro offers available. Offers balance transfer cards. Check your prequalification status on the website. Annual fees range from $0 to $495.

Credit One Bank

Read 2,808 Reviews

Line of credit provider that offers unsecured and secured credit cards. Works with less-than-perfect credit. Credit scores as low as 300 accepted. Cashback benefits available. Annual fees go up to $99.

Synchrony Financial

Read 1,242 Reviews

Formerly known as GE CareCredit. Works with chains and local companies to provide retail credit cards. Free credit score monitoring. Use the monthly payment calculator to estimate costs. View partnering brands on the website.

Merrick Bank

Read 1,848 Reviews

Specializes in credit building programs and loans. Invite-only credit card provider. Members receive complimentary FICO scores every month. Credit rehabilitation services for those with low credit scores.

Barclays Bank

Read 813 Reviews

Partners with several companies and brands to provide various benefits and rewards. Annual fees on credit cards range from $0 to $499. Compare cards and programs on the website to see which card is right for you.

Bank of America Credit Cards

Read 1,828 Reviews

Variety of cards with features like cash rewards and no annual fees. Cards designed for travel, student life and credit rebuilding. Apply for credit card programs online. Some cards carry no annual fees.

American Express Platinum Card

Read 1,362 Reviews

Multiple benefits for enrolled users, including travel perks, a rewards program and exclusive services like roadside assistance and car rental. Annual fee is $550. Multiple payment options available.

PayPal Credit

Read 641 Reviews

Offers a digital credit line for online purchases. Provides certain benefits including shipping reimbursement and purchase protection. Includes no-interest financing for all purchases over $99 in the first six months.

Target Credit Card

Read 431 Reviews

Credit and debit cards for Target shoppers. Save 5% on qualifying purchases. Free shipping and no annual fees. Add an extra 30 days for returns. Apply for the program online. Make payments online, in store or by phone or mail.

Wells Fargo Credit Cards

Read 211 Reviews

Offers customer benefits including benefit payments during periods of disability or unemployment. Find the right card for you by entering your needs on the website. Some cards carry no annual fees.

Aspire Visa

Read 513 Reviews

Offer-only credit card company. Manage your account online. Check your balance and see transaction details. Apply for credit card programs on the website. Offers two types of credit cards.

Premier Bankcard

Read 876 Reviews

Credit card provider that focuses on credit building. Offers secured and unsecured credit cards. Get free FICO credit score with membership. No credit history required to apply. Can help achieve a higher credit line.


Read 742 Reviews

Offers state-issued electronic debit cards. Use your EPPICards to receive child support, unemployment or welfare payments. No monthly fees for managing your account. No lines of credit.

USAA Credit Card

Read 170 Reviews

Credit cards available to service members and their families. Offers low APRs and other benefits. Doesn’t charge annual fees on qualifying cards. Many travel and retail benefits. View rates and fees for cards on the website.

Capital One Venture

Read 63 Reviews

Earn unlimited bonus air miles on qualifying purchases. Annual fee of $95. High sign-up bonus. Earn 2x miles on every purchase. Earn 10x miles on select hotel purchases. No limit on mile earnings.

PenFed Credit Cards

Read 40 Reviews

Offers Visa rewards and simple cards. Choose a card that fits your lifestyle, including travel and flexible reward options. Compatible with digital wallets. Annual fees range from $0 to $95. Zero liability policy.

Credit First National Association

Read 114 Reviews

Offers credit cards for vehicle repairs and maintenance. Brands include popular names like Firestone, Bridgestone and Tires Plus. Apply online for an instant approval decision. No annual fees.

Chase Sapphire Preferred Credit Card

Read 57 Reviews

Travel rewards card that lets you earn points for expenses on airfare, hotel stays and restaurant bills. One-for-one point transfer. No foreign transaction fees. $95 annual fee. High sign-up bonus.

Old Navy Credit Card

Read 115 Reviews

Earn rewards for purchases made at Old Navy, Gap, Banana Republic and Athleta. Issued by Synchrony Bank. No annual fees. Get 5 points for every dollar spent at one of its locations. Get access to special promotions.

Chase Freedom Credit Card

Read 10 Reviews

Earn up to 5% back on select purchases. Unlimited 1% cashback and other sign-up offers. No annual fee. 0% intro APR for 15 months. Qualify for card benefits like travel insurance, car rental insurance and more.

HSBC Credit Cards

Read 314 Reviews

Provides a variety of credit card options. Offers clients a rich rewards program and cards with competitive APRs. Prequalify to find out which cards you’re eligible for. Benefits for long-term customers.

Applied Bank Credit Cards

Read 341 Reviews

Provides secured and unsecured Visa and MasterCard credit cards to people with little or no credit history. Apply for one of its programs online. Make monthly payments on the website. Also offers personal and business banking.

GM Credit Card

Read 28 Reviews

Capital One credit cards issued through General Motors. Offers 5% earnings on the first $5,000 and 2% unlimited earning on purchases after. Business credit card option available. Can combine some earnings with discounts.

Sears Credit Card

Read 339 Reviews

Offers shopper cashback rewards. Redeem rewards at any Sears or Kmart store. Earn anywhere from 1% to 5% back on qualifying purchases. Issued by Citibank. Sign-up bonuses sometimes available.

American Express Black Card

Read 20 Reviews

Exclusive credit card membership. Invite-only. No application available online. High annual charge requirements. Must have an existing American Express card. Offers uncommon and largely undisclosed benefits.

New Millennium Bank Read 189 Reviews

Local bank operating in the New Jersey area. Offers commercial, mortgage and consumer loans, as well as credit card services. Some credit cards have no annual fees or introductory fees.

American Express Travelers Cheques

Read 40 Reviews

Never expires. Easily deposit or exchange your checks. Redeemable with American Express. Refunds lost or stolen checks. Widely accepted. Exchange fees vary by country. Purchase at participating locations.

AARP Chase Visa

Read 39 Reviews

Special Visa offered exclusively to AARP members. Provides cashback rewards on restaurant, gas station and other common travel purchases. Coverage in the U.S., Canada and Puerto Rico.

East West Bank Credit Cards

Read 11 Reviews

Offers some Visa and American Express credit cards with different features and rewards. Available in California, Nevada, Georgia, Texas, Massachusetts, New York, Washington and China.


Read 10 Reviews

Available only for premium Citibank account holders. Perks include a dedicated service team, preferred rates, the option to earn interest on checking accounts and a high reward-earning level.

Bremer Bank Credit Cards

Read 9 Reviews

Regional banking institution that serves Minnesota, Wisconsin and North Dakota. Offers personal and business credit card programs. Earn 2x the rewards on qualifying purchases. Also offers debit cards.

Bank of America Travel Rewards Card

Read 8 Reviews

Travel credit card designed for Bank of America card users. Earn 1.5 travel points for every dollar you spend up to an unlimited amount of points. No annual fees. Can qualify for a low introductory APR.

Chase Freedom Unlimited Credit Card Read Reviews

Cashback credit card with unlimited 1.5% back on all purchases. Earn up to 5% off on purchases in qualifying categories. No annual fees. Benefits include 0% intro APR and free credit scores.


Provided by LendingTree. Browse different credit card options. Filter by category, type or credit quality. Comparison tool displays benefits and rates. Apply for various cards at no cost. Not a credit card provider.


Service provided by LendingTree. Offers free resources related to credit cards, personal loans, student loans, auto loans and other personal finances. Side-by-side comparison tables. Over 15 financial calculators available.


Offers free comparison tools for purchasing decisions. Provides access to online educational resources and industry insights related to credit card issuers, insurance companies, mortgage lenders and more.

FIA Card Services

Read 206 Reviews

Credit cards made for simple purchasing and online account payment. Offers customers access to ShopSafe, a free service that protects the card number each time you use your card online.

Out Of Business