The Best Credit Cards of July 2021


The best credit cards offer some combination of lucrative rewards, lengthy promotional APRs on purchases or balance transfers, generous welcome offers and generally favorable terms and conditions. But the best credit card for you will vary based on your spending habits and financial goals. (Learn how to select a credit card with this step-by-step guide.)

While there is no single best credit card on the market, we are fans of the Blue Cash Preferred® Card from American Express, which provides generous rewards for families in exchange for a reasonable $95 annual fee ($0 the first year), the Chase Sapphire Preferred® Card, a stellar general purpose travel credit card touting its best ever sign-up bonus, and the Secured Mastercard® from Capital One, which offers consumer-friendly terms to people trying to rebuild their credit. (Our Balance Transfer Calculator can help you assess 0% introductory APR offers.) Below you’ll find the top cards from our partners, followed by a detailed list of our editors’ picks.

Why trust us? Our team of in-house credit card experts combed through our database to identify the top current credit card offers available today. We use a one-to-five star rating system to evaluate cards across popular categories, including zero interest, rewards and credit-building credit cards. We also provide educational resources to help you better understand the differences between each type of card and how certain products can help you pay down debt, earn rewards for spending and build your credit score.

Best Credit Cards of July 2021

  • Wells Fargo Active Cash℠ Card – Best for everyday cash rewards
  • Bank of America® Unlimited Cash Rewards credit card – Best for flat-rate cash back + sign up bonus
  • Citi Custom Cash℠ Card – Best for automatically maximizing cash back
  • Capital One Quicksilver Cash Rewards Credit Card – Best first-time rewards credit card
  • American Express® Gold Card – Best credit card for foodies
  • Blue Cash Preferred® Card from American Express – Best rewards credit card
  • Bank of America® Customized Cash Rewards credit card – Best for customized bonus categories
  • Blue Cash Everyday® Card from American Express – Best for frugal families
  • Citi® Diamond Preferred® Card – Best balance transfer credit card
  • Citi® Double Cash Card – Best flat-rate cash back card
  • Chase Freedom Unlimited® – Best for flat-rate and bonus cash back
  • Capital One Venture Rewards Credit Card – Best travel credit card
  • Chase Sapphire Preferred Card – Best for sign-up bonus
  • American Express Blue Business Cash™ Card – Best business credit card
  • Chase Sapphire Reserve® Card – Best premium travel credit card
  • Secured Mastercard® from Capital One – Best secured credit card
  • Discover it® Student Cash Back – Best student credit card

For full report, Please check: The Best Credit Cards of July 2021


Written by: Jeanine Skowronski | Edited by: Tracy Stewart | Reviewed by: Ted Rossman