Top 10 Credit Cards -2021

This is our cut-to-the chase list of the Top 10 Credit Cards. It’s based on overall quality. We could choose any combination of rewards or low interest rates. Which credit card is best? While we’ll show you our top choice, you can be proud to use any other credit card.

paypal cashback mastercard

#1. The PayPal Cashback Mastercard gives you 2% cash back for every purchase made with the card. This card is accepted online and offline by all major credit cards. If you do not have a PayPal account, you will need one to get your cash rebates. You can either use the cash to make online purchases or transfer it to your bank account. This new credit card is the best cash-back option for everyday use. It has no annual fees and an easy-to-understand rebate program. No foreign transaction fees, either. The only problem is that you don’t have a balance because of the high interest rates above 20%.

Blue Cash Preferred

2 If you have a large grocery bill each month, the American Express credit card may be for you. Although the annual fee for this card is $95, it could well be worth it. The card offers a 6% rebate on grocery purchases up to $6000 annually, 6% back on streaming service purchases, 3% back at U.S. stations, 3% at U.S. gasoline stations, 3% transit (taxis/tolls, trains and Uber/Lyft) and 1% on all other purchases. This rebate is great even if you pay an annual fee. If you don’t spend that much on groceries, the no-annual fee Blue cash Everyday will give you 3% back and 2% cash back for gas.

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Chase Freedom Flex

3 Chase Freedom Flash – Chase improved a very good card in order to make it even better in 2020. This card is now on the top of this list. This card offers a 3% cash back on dining purchases, an additional 5% on travel purchases made through Chase Ultimate Rewards, 3% on drugstore purchase, and 1% elsewhere. New cardholders have been offered substantial bonuses. This card has received a great facelift that makes it a must have.

Wells Fargo Propel American Express

4. Wells Fargo Propel American Express Get 3 points per $1 in a variety of categories including travel, restaurants and gas, streaming services and ride-sharing, as well as 1 point per $1 everywhere else. These points can be redeemed for cash. There is no annual fee. This is the best Wells Fargo card in a long time.

Citi Double Cash Card

 #5. The bottom line is that you get 2% cashback on all purchases provided you pay them off. This means that you will get 1% cashback on all purchases, as long as the purchase is made within one hour. You also get 1% cashback on any balance payments. 1% + 11% = 2% There is no annual fee.

#6. U.S. Bank Cash Plus Visa

6 U.S. You get 2% cash back in two additional categories (pick 2 of the 3: gas stations and grocery stores and restaurants), and 1% everywhere else. This card’s 5% categories make it an unusual card. It can be used as a go-to card or complement to cash-back cards if your goal is to maximize your rewards.

 American Express Gold Card

7. You can earn 4 points per $1 at supermarkets and 4 points per $1 at restaurants. There are 3 points per $ on flights booked through or directly with airlines. Everywhere else, you get 1 point per $0. You can get credits to offset the annual fee. These include a credit up to $100 for incidentals (checked bags, in-flight refreshments), and a credit up $120 on Grubhub purchases.

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 US Bank Altitude Go Visa

#8. US Bank Altitude Go Visa The main draw of this no-annual fee rewards card is the 4% (4 point per dollar) cashback on all dining purchases. This rebate is one of the highest you can find for a credit card with no annual fees. You get 2% for groceries, 2% at gas stations and 2% on streaming. These other categories are acceptable, but the key difference is the 4% you get for eating out (or eating at home).

Target REDcard

9. Tie Target REDcard or Lowe’s Credit Card – Both credit cards offer 5% discount on all purchases made at their respective stores. They don’t offer much more than that and the interest rates are not great, but it wouldn’t be a mistake to apply for the Target or Lowe’s cards if your regular shopping at these stores.


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