Top Credit Cards of 2021 💳


The cover photo of Millennial Investments Top Credit Cards 2021 article.

This article goes out to all the money-making credit card churners out there! If you’re looking to head into 2021 with a new credit card, you’re in the right place. Today we’re going to run through twelve credit card offers that have the potential to put some serious cash in your pocket for doing the things you already do. This list is a follow-on to Todd’s video covering these cards in less than ten minutes. Check it out below, and don’t forget to subscribe to his channel! 😇🙏

#1 American Express: Blue Cash Preferred Card

A front view of the American Express Blue Cash Preferred credit card.
The American Express Blue Cash Preferred credit card.

The American Express Blue Cash Preferred credit card is an excellent card for scoring cash back on grocery store (on the 1st $6K in purchases) and streaming service purchases. The card offers 6% cash back on grocery and streaming, 3% cashback on transit and gas, and 1% cashback on other purchases. Assuming you max out the $6K in purchases from grocery stores, that’s $360 in cashback alone. Add in the generous new account offer, and you’re pulling in more than $600 on a new credit card. This is a card you won’t want to miss in 2021.

New Account Offer: $250-$300 after spending at least $1,000 within the 1st three months. You’ll get the cashback as a statement credit, and you’ll even have a 0% APR for 12 months. 🔥🔥🔥

Annual Fee: $95/year 💲

Check out more information about the offer and card here.

#2 American Express: Platinum Card

A front view of the American Express Platinum credit card.
The American Express Platinum credit card.

The American Express Platinum credit card is sweet but comes with a steep annual fee of $550/year. The card is definitely worth the price, though, giving you fantastic card benefits. This card gives you over $200 in Uber and UberEats credit annually divided up monthly ($15 monthly except December at $20). Then you get a $100 statement credit to shop at Sak Fifth Avenue so all you stylish money-makers can look good while you save. And that’s not all. You’ll also get x5 points for flights and hotels and x1 points for all other eligible purchases. This card also gives you a fee credit for Global Entry or TSA Pre✓, Hilton Gold Status, and Marriott Gold Status. It basically puts you ahead in life in so many different ways.

New Account Offer: 75–100K membership reward points + x10 points at gas stations and supermarkets after spending at least $5K within the 1st six months. 🔥

Annual Fee: $550/year 💲💲💲

🧐 Check out more information about the offer and card here.

#3 CapitalOne: Venture Rewards Card

A front view of the CapitalOne Venture Rewards credit card.
The CapitalOne Venture Rewards credit card.

The CapitalOne Venture Rewards credit card is a miles rewards card that lets you cash in on all things travel, flights, and hotels. This card gives you unlimited x2 reward miles on all purchases. This card's annual fee is $95/year, but CapitalOne also has an $0/year option. With the $0 fee card, you’ll still get x1.25 reward miles. You’ll be able to redeem rewards through PayPal or on Amazon to give you maximum cash-out flexibility. And best of all, the card also lets you receive up to a $100 statement credit for Global Entry or TSA Pre✓. This is another card you won’t want to miss!

New Account Offer: Earn 60K bonus miles when you spend $3K in the 1st three months. 🔥🔥

Annual Fee: $95/year 💲💲

🧐 Check out more information about the offer and card here.

#4 CapitalOne: Quicksilver Card

A front view of the CapitalOne Quicksilver credit card.
The CapitalOne Quicksilver credit card.

The CapitalOne Quicksilver credit card lets you earn unlimited x1.5 cash back on everyday purchases. With a $0 annual fee, you’ll be able to rack up some nice rewards with this card. Just like the Venture Rewards Card, you’ll be able to cash out with PayPal or on Amazon. This card is great if you only want one credit card but still want to maximize your cash rewards. It’s always nice being able to earn on unlimited purchases.

New Account Offer: Earn a one-time $200 cash bonus when you spend at least $500 in the 1st three months. 🔥🔥🔥

Annual Fee: $0/year 💲

🧐 Check out more information about the offer and card here.

#5 American Express: Gold Card

A front view of the American Express Gold credit card.
The American Express Gold credit card.

The American Express Gold credit card costs $250/year but has some great perks that come with it, especially when dining out or heading to the supermarket. With this card, you’ll get x4 points at grocery stores and restaurants, up to $120 annually in dining credit at your favorite places like Grubhub, The Cheesecake Factory, and Ruth’s Chris Steak House, and x3 points when booking flights. You can also score a $100 statement credit when you book at least two consecutive nights with American Express Travel. If you’re a social person who enjoys going out, you’re going to want this card.

New Account Offer: Earn 35–60K in membership reward points when you spend $4K in the 1st six months. 🔥

Annual Fee: $250/year 💲💲

🧐 Check out more information about the offer and card here.

#6 Chase: Sapphire Preferred Card

A front view of the Chase Sapphire Preferred credit card.
The Chase Sapphire Preferred credit card.

The Chase Sapphire Preferred credit card is a good card for dining, travel, and grocery store purchases. You’ll earn x2 on these purchases and be eligible to earn 25% more on in rewards when you redeem for travel through Chase Ultimate Rewards. The new account bonus that comes with this card makes it an attractive option for the foodie or the traveler.

New Account Offer: Earn 60K bonus points (equal to $750 when used to book travel through Chase Ultimate Rewards) when you spend $4K in the 1st three months. 🔥🔥🔥

Annual Fee: $95/year 💲💲

🧐 Check out more information about the offer and card here.

#7 Citi: Premier Card

A front view of the Citi Premier credit card.
The Citi Premier credit card.

The Citi Premier credit card might be the coolest looking card on our list, but it’s not just cool looking. It also has impressive travel and food rewards. You’ll unlock x3 bonus points at restaurants, supermarkets, gas stations, hotels, and on airfare. Don’t worry if you plan to buy things outside of the above areas as you’ll also get x1 bonus points on all other purchases. And if that’s not all, you can also get a $100 thank you when you book a hotel stay of $500 or more through thankyou.com. You can get gift cards to many different restaurants and stores or use your points for Amazon/BestBuy purchases.

New Account Offer: Earn 60K in bonus points after spending at least $4K in the 1st three months. 🔥

Annual Fee: $95/year 💲💲

🧐 Check out more information about the offer and card here.

#8 CapitalOne: SavorOne Cash Rewards Card

A front view of the CapitalOne SavorOne Cash Rewards credit card.
The CapitalOne SavorOne Cash Rewards credit card.

The CapitalOne SavorOne Cash Rewards credit card is the dining and entertainment special! With this card, you’ll earn a generous unlimited 3% cashback on dining and entertainment purchases, 2% cashback at grocery stores, and 1% cashback on all other eligible purchases. You’ll also be able to score a sweet 0% APR for 15 months. This card might actually be the best card on our list for its easy new account bonus and substantial cashback percentages. This is a card you’re going to wanna have in your wallet this year.

New Account Offer: Earn a one-time $200 cash bonus after spending at least $500 in the 1st three months (this is literally the easiest offer to get). 🔥

Annual Fee: $0/year 💲

🧐 Check out more information about the offer and card here.

#9 American Express: Blue Cash Everyday Card

A front view of the American Express Blue Cash Everyday credit card.
The American Express Blue Cash Everyday credit card.

The American Express Blue Cash Everyday credit card is another great all-around card with some awesome perks. With this card, you’ll get 3% cashback at supermarkets (up to $6K/year in purchases/1% thereafter), 2% cashback at gas stations and select grocery stores, and 1% cashback on all other eligible purchases. Another benefit of this credit card is that it comes with a 0% APR for 15-months. For all the folks out there that don’t want too many credit cards, this Amex might be the card for you. The card’s generous new account bonus and its sweet cashback percentages make it a top-tier card in our books.

New Account Offer: $300-$350 back + 20% cashback at Amazon (up to $200 within the 1st six months) + $150 after spending at least $1,000 within the 1st six months. 🔥🔥

Annual Fee: $0/year 💲

🧐 Check out more information about the offer and card here.

#10 American Express: Business Gold Card

A front view of the American Express Business Gold credit card.
The American Express Business Gold credit card.

Our next card goes to all of those business owners out there with business expenses! The American Express Business Gold credit card is a point card that allows you and your business to earn x4 membership rewards points on the two highest spending categories of the month plus earn x1 membership rewards points on all other purchases. The annual limit for the x4 points is capped to the 1st $150K in expenses, but it’s still a pretty sweet deal if you ask us. You’ll also be able to get 25% of your points back and a $100 hotel credit when you book travel or a room through American Express Travel.

New Account Offer: Earn 35–50K in membership rewards points after spending at least $5K within the 1st three months. 🔥

Annual Fee: $295/year 💲💲

🧐 Check out more information about the offer and card here.

#11 American Express: Hilton Honors Express Card

The American Express Hilton Honors Express credit card.

The American Express Hilton Honors Express credit card is enormous if you’re a Hilton Hotel loyalist. This card will give you access to x7 points at any Hilton portfolio stay, x5 on groceries, dining, and gas, and x3 on all other eligible purchases. Hilton also is nice enough to give you free Hilton Honors Silver status. If you’re a hardcore traveler who doesn’t like Marriott and loves Hilton, this card is going to put a nice big smile on your face when you unlock all the savings it has to offer.

New Account Offer: Earn 100K in Hilton Honors bonus points after spending at least $1K within the 1st three months. 🔥🔥

Annual Fee: $0/year 💲

🧐 Check out more information about the offer and card here.

#12 Chase: Freedom Unlimited Card

The Chase Freedom Unlimited credit card.

Finally, the last top credit card of 2021 on our list goes to the Chase Freedom Unlimited card. This card is perfect for the folks who want 5% cashback on travel, 3% cashback on dining and drugstore purchases, and 1.5% cashback on all other purchases. The best part about this card is that your rewards won’t expire, and you’ll also get a 0% APR for 15-months.

New Account Offer: Earn a $200 cash bonus after spending at least $1K within the 1st three months + get 5% cashback at grocery stores (up to $12K within the 1st year). 🔥

Annual Fee: $0/year 💲

🧐 Check out more information about the offer and card here.

Thanks for Reading!

Let us know which card you’re going to get in 2021! If you enjoy content related to cashback and rewards, be sure to check out our article on the Top 5 Cashback Apps That Save You Money! Don’t forget to subscribe at Millennial Investments to learn more wealth building tips and tricks! Happy reading, and thanks for supporting our work! 😇🙏


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