Credit cards often get a bad name for causing unnecessary debt. This is because new credit card owners often end up using it for unnecessary purchases or for buying things they can not afford. In reality, credit cards can be used as an excellent tool in increasing your credit score and can help you out in emergency situations. Moreover, most credit card companies offer a variety of benefits and rewards for credit card users that can ultimately help you save a lot of money in the long run.  Take a look at the best credit cards of 2021. 

Citi Custom Cash℠ Card
If you are looking for a credit card that offers instant cashback rewards at flat rates or at a 2% reward rate, the Citi® Double Cash Card and Citi Custom Cash℠ Card are the right ones for you.

Chase Sapphire Preferred® Card
The Chase Sapphire Preferred® Card is a great beginner’s credit card for those who travel a lot. This card offers a great blend of high rewards rates and redemption flexibility and is excellent for those who tend to use their credit cards more often for purchases, either while traveling or dining. When you redeem rewards for airfare, hotels, car rentals, and cruises through the Chase Ultimate Rewards program, you can get up to 25% more value for the reward points. For example, 100,000 reward points can be redeemed as $1,250 through the Chase Ultimate Rewards program. 

American Express® Gold Card
This card is especially good for all the foodies out there. With the American Express® Gold Card, you can get 4X Membership Rewards® Points on using it at restaurants, dining, and takeout. This is especially recommended for those who like to indulge in local cuisines when they are traveling and are not afraid to spend a few extra bucks when dining in different countries. This American Express card is now available in both Gold and Rose Gold.