Looking for the best credit card promotions in 2021? Well, you’re in luck! In this article, we’ve carefully curated a list of the top 10 credit card promotions that are sure to catch your attention. Whether you’re looking for bonus rewards, introductory APRs, or exclusive perks, we’ve got you covered. With a friendly tone and valuable insights, we’ll guide you through each promotion, highlighting the key features and benefits. So sit back, relax, and discover the credit card promotions that could help you make the most of your spending.
1. Best Cash Back Credit Card Promotions
1.1. How to Choose a Cash Back Credit Card
When it comes to choosing a cash back credit card, there are a few key factors to consider. First, you’ll want to look at the cash back percentage that the card offers. Typically, cash back credit cards offer a certain percentage of cash back on purchases, such as 1% or 2%. Some cards even offer higher cash back rates on specific spending categories, like groceries or gas.
Another important factor to consider is the redemption options for your cash back rewards. Some cards allow you to redeem your cash back as a statement credit, while others may offer options for direct deposits into your bank account or even gift cards to your favorite retailers.
It’s also important to consider any annual fees that may be associated with the card. While many cash back cards don’t have an annual fee, some may charge a yearly fee in exchange for higher cash back rates or additional perks.
Lastly, you’ll want to take a look at the overall benefits and features of the card. Is there a sign-up bonus? Does the card offer additional perks like travel insurance or extended warranty protection? These are all important factors to consider when choosing the best cash back credit card for your needs.
1.2. Top Cash Back Credit Card Promotions in 2021
In 2021, there are several cash back credit card promotions that stand out from the rest. One of the top contenders is the Chase Freedom Unlimited® card. With this card, you’ll earn 1.5% cash back on every purchase, with no limit. Plus, for a limited time, new cardholders can enjoy a $200 cash back bonus after spending $500 within the first three months of account opening.
Another great option is the Capital One Quicksilver Cash Rewards Credit Card. This card offers 1.5% cash back on all purchases, with no rotating categories or sign-ups required. Plus, new cardholders can earn a one-time $200 cash bonus after spending $500 within the first three months.
If you’re a frequent Costco shopper, the Costco Anywhere Visa® Card by Citi is worth considering. This card offers 4% cash back on eligible gas purchases (up to $7,000 per year), 3% cash back on restaurant and travel purchases, 2% cash back on all Costco purchases, and 1% cash back on all other purchases. It’s important to note that you must be a Costco member to apply for this card.
1.3. Benefits of Cash Back Credit Card Promotions
Cash back credit card promotions come with a host of benefits that can make them a valuable addition to your wallet. First and foremost, earning cash back on your everyday purchases allows you to save money and potentially even earn some extra dollars. Whether it’s using your cash back rewards to offset your monthly statement balance or saving up for a special purchase, the choice is yours.
Cash back credit card promotions can also provide additional perks that enhance your overall credit card experience. Some cards offer introductory APR periods, allowing you to make new purchases or transfer balances without accruing interest for a certain amount of time. Other cards may offer travel insurance, extended warranties, or even access to exclusive events or experiences.
Ultimately, the benefits of cash back credit card promotions vary depending on the specific card and promotional offer. It’s important to carefully review the terms and conditions of each promotion to determine which one aligns with your financial goals and spending habits.
2. Best Travel Credit Card Promotions
2.1. How to Choose a Travel Credit Card
Choosing a travel credit card requires considering your travel habits, spending patterns, and personal preferences. Here are some factors to keep in mind when selecting the best travel credit card for you.
Firstly, think about the type of rewards you want to earn. Some travel credit cards offer airline miles, while others provide points for hotel stays or general travel expenses. Consider your preferred travel providers and choose a card that aligns with your preferences.
Additionally, consider the card’s annual fee. Some travel credit cards have high annual fees but offer significant perks like airport lounge access or travel credits. If you’re a frequent traveler and can take advantage of these benefits, a higher annual fee might be worth it. However, if you travel infrequently, a card with no annual fee or a lower fee might be more suitable.
Another important factor is foreign transaction fees. If you frequently travel abroad, look for a card that doesn’t charge foreign transaction fees to avoid unnecessary charges. Also, consider any travel insurance or purchase protections offered by the card, as these can provide added peace of mind during your trips.
2.2. Top Travel Credit Card Promotions in 2021
In 2021, there are several travel credit card promotions that stand out and offer great benefits to frequent travelers. One notable option is the Chase Sapphire Preferred® Card. With this card, you can earn 60,000 bonus points after spending $4,000 on purchases in the first three months. These points can be transferred to airline and hotel loyalty programs or redeemed for travel through the Chase Ultimate Rewards portal.
Another popular choice is the American Express® Gold Card. This card offers a welcome bonus of 60,000 Membership Rewards points after spending $4,000 on eligible purchases within the first six months. Cardholders also earn points on dining, groceries, and flights, making it a great option for foodies and frequent flyers.
For those who prefer a co-branded airline card, the Southwest Rapid Rewards® Priority Credit Card is worth considering. This card offers a generous sign-up bonus, along with valuable benefits like annual travel credits, upgraded boarding, and more. It’s a great choice for travelers who frequently fly with Southwest Airlines.
2.3. Benefits of Travel Credit Card Promotions
Travel credit card promotions offer a range of benefits that make them appealing to avid travelers. One of the biggest advantages is the ability to earn rewards that can be redeemed for flights, hotel stays, and other travel-related expenses. Whether you’re planning a dream vacation or a quick getaway, having a travel credit card that offers rewards can help offset the costs and enhance your travel experience.
In addition to earning rewards, many travel credit cards provide valuable travel perks and protections. These can include airport lounge access, free checked bags, priority boarding, travel insurance, and more. These perks can make your journey more comfortable and give you peace of mind while you’re on the road.
Moreover, some travel credit cards offer unique benefits like concierge services, exclusive access to events, or hotel upgrades. These additional perks can add a touch of luxury to your travels and make you feel like a VIP.
Ultimately, the benefits of travel credit card promotions will depend on the specific card and promotional offer. Be sure to read the terms and conditions of each promotion to fully understand the benefits and make an informed decision.
3. Best Balance Transfer Credit Card Promotions
3.1. How to Choose a Balance Transfer Credit Card
When choosing a balance transfer credit card, it’s important to consider a few key factors. Firstly, look for cards that offer a low or 0% introductory APR on balance transfers. This will allow you to transfer existing credit card balances and potentially save money by avoiding high interest charges.
It’s also important to consider the length of the introductory APR period. Some balance transfer promotions offer a 0% APR for a specific number of months, while others may offer a low APR for the life of the balance. Choose a card with a promotional period that aligns with your goals and repayment timeline.
Additionally, be aware of any balance transfer fees associated with the card. Some cards charge a fee based on a percentage of the amount transferred, while others have a flat fee. Consider these fees when determining if a balance transfer is financially beneficial for you.
Finally, take a look at the ongoing APR and other features of the card. After the promotional period ends, the APR will revert to the regular rate. Ensure that the ongoing APR is reasonable and that the card offers other benefits that align with your needs.
3.2. Top Balance Transfer Credit Card Promotions in 2021
In 2021, there are several balance transfer credit card promotions that stand out and offer attractive terms for those looking to consolidate their debt. One popular choice is the Citi® Diamond Preferred® Card. This card offers a 0% introductory APR on balance transfers for 18 months from the date of the first transfer. It also has no annual fee, making it a great option for those looking to save on interest charges.
Another notable option is the Discover it® Balance Transfer card. With this card, you’ll enjoy a 0% introductory APR on balance transfers for 18 months, along with 0% APR on new purchases for the first six months. Plus, Discover will match all the cash back you’ve earned at the end of your first year as a cardmember.
The BankAmericard® credit card is also worth considering for balance transfers. It offers a 0% introductory APR for 18 billing cycles on balance transfers made within the first 60 days. This card has no annual fee and provides access to Bank of America’s online and mobile banking tools.
3.3. Benefits of Balance Transfer Credit Card Promotions
Balance transfer credit card promotions can offer several benefits to those looking to manage their credit card debt more effectively. One of the biggest advantages is the opportunity to save money on interest charges. By transferring high-interest balances to a card with a low or 0% introductory APR, you can potentially pay off your debt faster and save on interest costs.
Additionally, consolidating your balances onto a single credit card can make it easier to manage your debt. Instead of juggling multiple payments and due dates, you’ll have just one payment to focus on. This can simplify your financial life and make it easier to stay on top of your debt repayment plan.
Furthermore, some balance transfer credit cards offer additional perks like cash back rewards or travel benefits. While these promotions may not be the primary reason for choosing a balance transfer card, they can be a nice bonus and provide some extra value.
It’s important to note that balance transfer credit card promotions should be used responsibly and as a tool for debt management. It’s crucial to have a plan in place to pay off your transferred balances before the promotional period ends or to continue making significant progress towards debt repayment.