What Are the Top Credit Card Holders to Consider in 2021?

As we head into 2021, it's important to consider whichcredit cardsare the best fit for your lifestyle and financial needs. Here are some of the top credit card holders to consider this year:

1. Chase Sapphire Preferred Card

The Chase Sapphire Preferred Card offers a generous sign-up bonus andrewards program. Cardholders can earn 60,000 bonus points after spending $4,000 on purchases in the first 3 months from account opening. Additionally, cardholders earn 2x points on travel and dining at restaurants worldwide and 1 point per dollar spent on all other purchases.

2. American Express Gold Card

The American Express Gold Card is a great option for foodies and travelers. Cardholders earn 4x points at restaurants worldwide, 4x points at U.S. supermarkets (up to $25,000 per year in purchases, then 1x), 3x points on flights booked directly with airlines or on amextravel.com, and 1x points on all other purchases. The card also offers a $120 dining credit and $100 airline fee credit each year.

3. Citi Double Cash Card

The Citi Double Cash Card is a simple and straightforwardcashbackcredit card. Cardholders earn 2% cashback on all purchases - 1% when making a purchase and another 1% when paying it off. There are no caps on cashback earnings and no annual fee.

4. Capital One Venture Rewards Credit Card

The Capital One Venture Rewards Credit Card is a great option for people who love to travel. Cardholders earn 2x miles on every purchase and can earn 60,000 bonus miles after spending $3,000 on purchases in the first 3 months from account opening. The card also offers a $100 Global Entry or TSA PreCheck fee credit.

When applying for a credit card, it's important to keep in mind some tips and tricks to make the most out of your card. Here are some things to consider:

- Choose a card that fits your lifestyle and spending habits. If you travel frequently, atravel rewardscard may be a better fit. If you dine out often, a card withdining rewardsmay be more beneficial.

- Be sure to pay off your balance in full every month to avoid accruing interest charges.

- Keep track of your spending and rewards to ensure you're maximizing your benefits.

- Be wary of annual fees and make sure the benefits of the card outweigh the cost.

- Finally, always read the fine print and be aware of any potential risks or fees associated with the card.

In conclusion, choosing the right credit card can greatly benefit your financial situation. It's important to do your research and consider your spending habits to choose a card that fits your lifestyle. Remember to always pay off your balance in full, keep track of your rewards, and be aware of any potential fees or risks.