Best Credit Cards 2021: What Should You Get


A CREDIT card can help you pay off debt or spread the cost of a large purchase.

Here’s how to choose the best deals.


A credit card can be used to write off debt, spend, or earn rewardsCredit: Reuters

There are different types of credit card.

You could get a credit card that offers interest-free purchases.

This means that you get credit that you can spend each month and that you don’t have to pay interest on your repayments for a set period of time.

There are also balance transfer cards that will erase old credit card debt and move it to a new product where you make monthly payments without interest.

What is a good credit score?

FICO, the most well-known credit scoring system, and its rival VantageScore both use a range of 300 to 850 points.

Below, we list what is considered a good and bad credit score, according to both systems.


  • Poor: 300-579
  • Fair: 580-669
  • Good: 670-739
  • Very good: 740-799
  • Exceptional: 800 or more


  • Very poor: 300-499
  • Poor: 500-600
  • Fair: 601-660
  • Good: 661-780
  • Excellent: 781-850

You can even earn money or other perks when you spend using a rewards credit card.

It is important to make your monthly repayments each month or you will be charged interest.

This is known as the Annual Percentage Rate (APR) and ranges from 14% to 25%.

It can also be tempting to only make the minimum repayment if you are in an interest-free period, but make sure your balance is cleared before the end of the agreement term or you will be charged interest on what. is of.

You will most likely not be offered the credit limit or advertised rate, and some applicants may be rejected because providers will consider your credit score before approving a card.

Missing payments can hurt your score and make it harder to access the best deals.

Here are some of the best credit card deals.

Ideal for balance transfers

A balance transfer card allows you to erase debts from an old card and focus on paying off them without interest on a new one for a set period of time.

You usually have to pay a transfer fee to transfer your money to a new provider.

This clears your old debt, and you can focus on paying off your new card without interest.

You will not pay any interest as long as the debt is settled at the end of the interest-free period.

A credit card can be used to split the cost of in-store and online purchases


A credit card can be used to split the cost of in-store and online purchasesCredit: Getty

Citi Diamond Preferred Card has an interest-free balance transfer period of 18 months.

There is a balance transfer fee of $ 5 or 3% of the amount transferred, whichever is greater.

You also get interest-free purchases for the same period.

The rate charged at the end of the term is 13.74% to 23.74% depending on your credit score.

Discover Also offers an 18-month interest-free balance transfer product, but it also pays 1-5% cash back on your spending.

The APR changes between 11.99% and 22.99% at the end of the mandate.

Ideal for spending

A purchasing credit card allows you to spread the cost of your large expenses.

You can use your credit limit to make a purchase and then spread the cost over a few months.

Using an interest-free credit card means you only focus on paying off what you have spent.

the American Express Blue Cash Preferred Card offers 0% interest on purchases for 12 months.

You can also earn 6% Cash Back at supermarkets on spending up to $ 6,000 per year, 3% at gas stations, and 1% on other purchases.

There is no charge for the first year and it then increases to $ 95.

His APR ranges from 13.99% to 23.99%.

Alternatively, the Citi personalized payment card has no fees and offers interest-free spending and balance transfers for 15 months as well as 5% cash back on the first $ 500 you spend.

Best for rewards

A rewards credit card can either refund you when you spend or give you points that are used for specials and exclusive offers.

The hunt for unlimited freedom The rewards card gives you 5% cash back on grocery purchases up to $ 12,000 spent in the first year.

You can also earn 1.5% unlimited cashback on all other purchases.

Make sure you pay your credit card bill every month or you might be charged interest


Make sure you pay your credit card bill every month or you might be charged interestCredit: Getty

Purchases can also be made without interest for 15 months, after which it drops to an APR ranging from 14.99% to 23.74%.

Likewise, the Wells Fargo Active Payment Card pays 2% cash back and has a 15-month interest-free spending period.

The APR will drop to between 4.99% and 24.99% after that.

the Bank or US personalized cash rewards card will allow you to choose which categories you earn cashback for, giving you 3% cashback.

Users also earn 2% on grocery expenses up to $ 2,500 each quarter.

His APR ranges from 13.99% to 23.99%.

Best for bad credit

It can be more difficult to access the best credit card deals if you have a history of bad debt.

Missed payments and bankruptcies will show up on your credit report and lower your score, making vendors nervous about giving you the best deal.

You can increase your score by showing that you are a reliable borrower and making repayments on time.

A credit card can help.

These provide basic credit cards with lower limits that help build your credit score as long as you make the monthly payments on time.

Discover it secure credit card will allow you to do a six-month balance transfer for a relatively low 10.99% APR.

You can also earn 2% cashback at gas stations and restaurants as well as 1% elsewhere.

Users must deposit a security deposit of at least $ 200.

The APR is 22.99% if you miss payments.

Alternatively, the First Progress Platinum Secure Credit Card does not offer cash back, but has a low APR of 9.99%, which means the interest will be lower if you miss any refunds.

You can get a line of credit with a deposit ranging from $ 200 to $ 2,000.

Check your refund rights if you made a purchase with your credit card during the July 4th sales.

Meanwhile, Wells Fargo plans to cut personal lines of credit affecting thousands of troubled customers.

In December of last year, new rules were introduced for debt collectors. We tell you how they affect you.

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