TOP 5 – Best Credit Cards for Oct, 2021

Now that 2021 is started, it’s a great time to take a look back at the strongest credit card offers we saw. A look back can help us know what to prepare for in the coming year while also help us plan for better financial choices.

Editor’s Choice

  • Credit lines range from $500-$1,350 which double to $1,000-$2,700 after your account qualifies. No security deposit required.
  • Double your credit line by making at least your minimum payment on time each month for the first 7 months your account is open.
  • See if you are pre-approved within minutes, without affecting your credit score.
  • Build or rebuild your credit. As you pay your bill every month, we report to all three major credit reporting agencies.
  • Get 100% U.S.-based customer service & get your FICO® Credit Score for free each month
  • Fraud coverage if your card is lost or stolen. Access your account 24 hours a day, 7 days a week. Get help staying on track with Auto Pay and account alerts.
  • Card issued by Merrick Bank, Member FDIC.
Intro APR Intro Period Regular APR Annual Fee Credit Needed Rate this Card
N/A* N/A* 19.45% to 28.45% (Variable)* See Terms* Fair*
total votes: 29

2021 is the year of the generous rewards credit card offers. Finding the one that rises above was challenging; still, there was one card that brought with it a bit of everything: great rewards, no annual fee and low cash advance fees. This choice was also ranked high in consumer satisfaction as well as a favorite among economists.

4 More Top Credit Cards for 2021

  • Pre-qualify for a card today and it will not impact your credit score
  • Less than perfect credit is okay
  • Mobile account access at any time
  • Fraud protection for stolen or lost cards
  • Account history is reported to the three major credit bureaus in the U.S.
Intro APR Intro Period Regular APR Annual Fee Credit Needed Rate this Card
N/A* N/A* 24.90% (Variable)* See Terms* Poor*
total votes: 9
  • Checking Account Required
  • Reporting monthly to all three major credit reporting agencies
  • Perfect credit not required for approval; we may approve you when others won't
  • Easy and secure online application
  • $300 credit limit (subject to available credit)
  • The First Access Visa Card is issued by The Bank of Missouri pursuant to a license from Visa U.S.A. Inc.
Intro APR Intro Period Regular APR Annual Fee Credit Needed Rate this Card
N/A* N/A* See Terms * See Terms* Bad Credit OK*
total votes: 23
  • Checking Account Required
  • Fast and easy application process; response provided in seconds
  • A genuine VISA card accepted by merchants nationwide across the USA and online
  • Manageable monthly payments
  • If Approved, simply pay a Program Fee to open your account and access your available credit
  • Reports monthly to all three major credit bureaus
Intro APR Intro Period Regular APR Annual Fee Credit Needed Rate this Card
N/A* N/A* 34.99% (Fixed)* See Terms* Bad Credit OK*
total votes: 61
  • Fast and easy application; response provided in seconds
  • A genuine Visa card accepted by merchants nationwide across the USA and online
  • Reports monthly to all three major credit bureaus
  • $300 credit limit (subject to available credit)
  • Checking account required
  • Don't need perfect credit to apply
Intro APR Intro Period Regular APR Annual Fee Credit Needed Rate this Card
N/A* N/A* 34.99% (Variable)* See Terms* Poor*
total votes: 31

Of course, it’s always easy to approach a list like this with hindsight, but what we found so revealing is there are a few credit cards that consistently rank high while others easily – and quickly – fall to the wayside. There’s no doubt the competition among card issuers was intense this year and that will only continue into the new year as we all begin to hopefully put the past uncertainties of a weak economy behind us. As they say – out wit the old and in with the new.

Defining the Top Credit Cards of 2021

If there was anything that set this year apart, it’s the realization by many that not all credit card offers are created equal. In years past, consumers, as a whole, tended to find a credit card that met their general needs and then, without any further research, applied for, received and began to use their new cards. Now, though, we’re seeing more -and stronger – offers that have really changed the landscape as a whole. That’s most certainly a good thing for consumers.

The best credit card offers included extended 0% intro APRs, no annual fees, double and sometimes even triple rewards and, of course, ease of use. The interesting part is what one might believe is the best, there are those who disagree and have their own reasons why another credit card was a stronger choice. To be sure, all of the card companies – Discover, MasterCard, Visa and, of course, American Express really raised the far for themselves. There’s been a new wave of commitment to the their customers. So defining the best credit card offers? It’s simple: the best card offers are the ones that work well for the individual with no hidden fees, no difficulties in resolving problems and no complications when redeeming rewards.

Defining the Other Credit Cards

As many of these credit cards rose to the occasion, there were plenty that fell to the wayside and interestingly enough, it seems as though the celebrity-endorsed prepaid products really took a hit over the past year. Think about it – during the first couple of months of 2013, there was no shortage of celebrities who were touting the reasons why the prepaid products they put their signatures to were the best. Of course, we now know, that was hardly true. Instead, many abandoned those glossy cards in lieu of those with lower fee structures. The power of the consumer, right?

Also, there were a couple that made headlines for poor customer service and fees that had even us scratching our heads and wondering what these companies were thinking. Fortunately, consumers are better armed with information than ever before and any that would be labeled a bad credit product quickly disappeared from the headlines. That’s the way it’s supposed to be.

Just as each of us has our own “must have” credit card, we all have our own horror stories of those unethical cards, too.

Sum-up Best Cards for Oct, 2021  – Table

Card name Intro APR Intro APR Period Regular APR Annual Fee Credit Needed
Aspiration Plus Spend & Save™ World Debit Mastercard® N/A* N/A* 0.00% (Fixed)* See Terms* Accepts All*
Milestone® Mastercard® - Unsecured For Less Than Perfect Credit N/A* N/A* 24.90% * See Terms* Poor*
Upgrade Triple Cash Rewards Visa® N/A* N/A* 8.99% - 29.99% (Fixed)* 0* Fair*
Surge Mastercard® N/A* N/A* 24.99% - 29.99% (Variable)* See Terms* Fair*
Merrick Bank Secured Visa® from Merrick Bank N/A* N/A* 17.45% (Variable)* $36* Bad Credit OK*
No Fee Credit Catalogue Card N/A* N/A* 0.00% (Fixed)* 0* Bad Credit OK*
Freedom Gold Merchandise Credit N/A* N/A* 0.00% (Fixed)* See Terms* Bad Credit OK*
Aspiration Spend & Save™ Debit Mastercard® N/A* N/A* 0.00% (Fixed)* 0* Accepts All*
Deserve EDU N/A* N/A* 18.74% (Variable)* 0* Good*
Merrick Bank Double Your Line™ Secured Visa® N/A* N/A* 17.45% (Variable)* $36* Accepts All*

Conclusion

We’ve stressed that it comes down to our individual needs. There’s no better way to explain it than with the story about the mother and daughter who were planning a vacation together. The daughter, in her efforts of finding a better credit card that would provide benefits on her vacation, chose a hotel rewards card. She was sure it was the strongest choice since her family would be vacationing in several areas around the country. A few weeks later, she was talking to her mom who told her all about the cash rewards credit card she’d just been approved for. Her reasoning was that this would help her feel as though her entire vacation came with a cash rebate. Clearly, their two choices were very different – even if their vacations were the same.

Have you had any personal experience with Credit Card marked as Best Choice for 2021?


Advertiser Disclosure

CREDIT DAD is an independent, advertising-supported website. Many debit cards, credit cards and other financial offers that appear here are from companies from which CREDIT DAD Websites receive compensation. This compensation may impact how and where products appear on this website (including, for example, the order in which they appear). CREDIT DAD Websites do not include all card offers in the marketplace.

Advertiser Disclosure

CREDIT DAD is an independent, advertising-supported website. Many debit cards, credit cards and other financial offers that appear here are from companies from which CREDIT DAD Websites receive compensation. This compensation may impact how and where products appear on this website (including, for example, the order in which they appear). CREDIT DAD Websites do not include all card offers in the marketplace.