CREDIT CARDSCREDIT CARDSEXCELLENT CREDIT CARDS OF 2021
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10 Excellent Credit Cards of 2021

NerdWallet's Excellent Credit Cards of 2021

Excellent Credit Cards From Our Partners

Credit card
NerdWallet rating
Annual feeIntro APRRegular APR
Learn more
Discover it® Cash Back Image
Discover it® Cash Back
Apply Now
on Discover's website,
on Discover's website, or call 800-347-0264
Rates & Fees
4.9/5
Excellent for Bonus Categories and First Year Cashback Match

$0

0% intro APR for 15 months on purchases and balance transfers

18.24%-28.24% Variable APR

Apply Now
on Discover's website,
on Discover's website, or call 800-347-0264
Citi® Diamond Preferred® Card Image
Citi® Diamond Preferred® Card
Excellent for Long 0% interest periods for balance transfers

$0

0% intro APR on Purchases for 12 months and 0% intro APR on Balance Transfers for 21 months

18.24%-28.99% Variable APR

Citi Double Cash® Card Image
Citi Double Cash® Card
Excellent for Flat Rate Cash Back

$0

0% intro APR on Balance Transfers for 18 months

19.24%-29.24% Variable APR

Discover it® Chrome Image
Discover it® Chrome
Excellent for Intro APR period with No Annual Fee

$0

0% intro APR on Purchases for 6 months and 0% intro APR on Balance Transfers for 18 months

18.24%-28.24% Variable APR

Citi® / AAdvantage® Platinum Select® World Elite Mastercard® Image
Citi® / AAdvantage® Platinum Select® World Elite Mastercard®
Excellent for Frequent American Fliers

$0 intro for the first year, then $99

N/A

21.24%-29.99% Variable APR

Discover it® Miles Image
Discover it® Miles
Excellent for Flat-Rate Travel Rewards with Miles Match

$0

0% intro APR for 15 months on purchases and balance transfers

18.24%-28.24% Variable APR

Blue Cash Preferred® Card from American Express Image
Blue Cash Preferred® Card from American Express
Excellent for Everyday Spending

$0 intro annual fee for the first year, then $95.

0% intro APR for 12 months on purchases and balance transfers

19.24%-29.99% Variable APR

Chase Freedom Unlimited® Image
Chase Freedom Unlimited®
Apply Now
on Chase's website
on Chase's website
Excellent for Cash-Back Pairing with Chase Sapphire Preferred®

$0

0% intro APR on purchases and Balance Transfers for 15 months

20.49%-29.24% Variable APR

Apply Now
on Chase's website
on Chase's website
Chase Sapphire Preferred® Card Image
Chase Sapphire Preferred® Card
Apply Now
on Chase's website
on Chase's website
Excellent for Airline Miles and a Large Bonus

$95

N/A

21.49%-28.49% Variable APR

Apply Now
on Chase's website
on Chase's website
Blue Cash Everyday® Card from American Express Image
Blue Cash Everyday® Card from American Express
Excellent for Cash back on everyday spending

$0

0% intro APR for 15 months on purchases and balance transfers

19.24%-29.99% Variable APR

Excellent for: Bonus Categories and First Year Cashback Match

Discover it® Cash Back card image
Discover it® Cash Back
4.9
NerdWallet rating
Annual fee
$0
Intro APR
0% intro APR for 15 months on purchases and balance transfers
Regular APR
18.24%-28.24% Variable APR
Recommended Credit Score

Excellent for: Long 0% interest periods for balance transfers

Citi® Diamond Preferred® Card card image
4.4
Annual fee
$0
Intro APR
0% intro APR on Purchases for 12 months and 0% intro APR on Balance Transfers for 21 months
Regular APR
18.24%-28.99% Variable APR
Recommended Credit Score

Excellent for: Flat Rate Cash Back

Annual fee
$0
Intro APR
0% intro APR on Balance Transfers for 18 months
Regular APR
19.24%-29.24% Variable APR
Recommended Credit Score

Excellent for: Intro APR period with No Annual Fee

Annual fee
$0
Intro APR
0% intro APR on Purchases for 6 months and 0% intro APR on Balance Transfers for 18 months
Regular APR
18.24%-28.24% Variable APR
Recommended Credit Score

Excellent for: Frequent American Fliers

Annual fee
$0 intro for the first year, then $99
Intro APR
N/A
Regular APR
21.24%-29.99% Variable APR
Recommended Credit Score

Excellent for: Flat-Rate Travel Rewards with Miles Match

Annual fee
$0
Intro APR
0% intro APR for 15 months on purchases and balance transfers
Regular APR
18.24%-28.24% Variable APR
Recommended Credit Score

Excellent for: Everyday Spending

Annual fee
$0 intro annual fee for the first year, then $95.
Intro APR
0% intro APR for 12 months on purchases and balance transfers
Regular APR
19.24%-29.99% Variable APR
Recommended Credit Score

Excellent for: Cash-Back Pairing with Chase Sapphire Preferred®

Apply Now
on Chase's website
on Chase's website
Annual fee
$0
Intro APR
0% intro APR on purchases and Balance Transfers for 15 months
Regular APR
20.49%-29.24% Variable APR
Recommended Credit Score

Excellent for: Airline Miles and a Large Bonus

Apply Now
on Chase's website
on Chase's website
Annual fee
$95
Intro APR
N/A
Regular APR
21.49%-28.49% Variable APR
Recommended Credit Score

Excellent for: Cash back on everyday spending

Annual fee
$0
Intro APR
0% intro APR for 15 months on purchases and balance transfers
Regular APR
19.24%-29.99% Variable APR
Recommended Credit Score
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