CNN Underscored reviews financial products such as credit cards and bank accounts based on their overall value. We may receive a commission through the LendingTree affiliate network if you apply and are approved for a card, but our reporting is always independent and objective.
Now that vaccines are rolling out across the country, many people are taking stock of their personal finances and, in many cases, trying to get things back in order after the challenges of last year. And while it may seem counterintuitive to think about credit cards if you’re still having money issues due to the pandemic, the right credit card can be a useful tool in your financial arsenal.
How? Well, a new credit card could help by temporarily letting you finance the things you need to buy at 0% interest, or consolidating debt at a lower interest rate. Or perhaps you just want to make sure you’re earning as many rewards as possible when you’re ordering online or having food delivered to your home, or booking that long-needed vacation as travel begins to resume.
Our comprehensive methodology compares every aspect of each credit card to our “benchmark credit card” to determine which cards can potentially help you the most. So give yourself a few minutes to take a look at our list of the best credit cards for April 2021 and see if one might be useful to you right now.
The best credit cards of April 2021
Citi® Double Cash Card: Best for flat-rate cash back
Chase Sapphire Preferred Card: Best sign-up bonus
Chase Freedom Flex: Best for flexible rewards
Blue Cash Everyday® Card from American Express: Best for U.S. supermarkets
American Express® Gold Card: Best for dining
Citi® Diamond Preferred® Card: Best for balance transfers
U.S. Bank Visa® Platinum Card: Best introductory rate on purchases
Capital One® Venture® Rewards Credit Card: Best for easy travel redemptions
The Blue Business® Plus Credit Card from American Express: Best for small businesses
Capital One® Spark® Miles for Business: Best for larger businesses
Why did we select these cards as our best credit cards for April 2021? Dive into the details of each card with us, and see how they stack up.
Citi Double Cash Card
Best for flat-rate cash back
Why it’s great in one sentence: The Citi Double Cash Card is both simple and lucrative, offering a market-leading 2% cash back on every purchase — 1% when you buy, 1% when you pay your statement — for no annual fee.
This card is right for: People who want a card that will work for them but don’t have the time, patience or interest to chase bonus categories or figure out complicated travel loyalty programs.
- Earn 2% cash back on all purchases with no limit.
- 0% interest for 18 months on balance transfers made in the first four months after you open the card (13.99%-23.99% variable afterward).
- Cash back can be converted to Citi ThankYou travel points at a ratio of 1 cent per point when combined with the Citi Prestige® Card or Citi Premier℠ Card.
- No annual fee.
Sign-up bonus: None.
What we like about the Citi Double Cash: Life is complicated enough right now — not everyone wants to make their credit cards complicated as well. If you don’t want to deal with bonus categories, transfer partners or spending caps, you can’t get much simpler than the Citi Double Cash.
But “simple” doesn’t have to mean “weak.” In fact, you’ll get 2% cash back on practically everything you buy with this card, which is the best ongoing flat-rate return you’ll find on any no-annual-fee credit card out there.
Yes, if you want to put in extra effort to maximize bonus categories or if you’re willing to pay an annual fee, you can absolutely get more in overall rewards or perks. But if you don’t want to make your credit card another thing in your life to worry about, you can put the Citi Double Cash in your purse or wallet, and set it and forget it.
What could be better: The Citi Double Cash is a no-frills credit card, so you won’t find any fancy travel or dining perks on it, nor are there any significant travel or purchase protections. You also won’t want to use this card for overseas purchases when travel resumes, as the 3% foreign transaction fee will offset the rewards you earn.
Having the option to convert the card’s cash back to Citi ThankYou points when you have certain other Citi cards is useful to points and miles experts, but the ThankYou program’s airline transfer partners can be challenging to leverage for beginners, who might want to just stick with the card’s cash back rewards.
The balance transfer offer does come with a 3% fee, though that’s comparable to other credit cards with similar balance transfer features. And the Citi Double Cash doesn’t offer a sign-up bonus, which means other cards might be more rewarding right out of the gate, though the Double Cash will catch up with long-term use.
Why it’s our “benchmark” credit card: The ease of use and straightforward top-of-market cash-back earning rate of the Citi Double Cash are why CNN Underscored uses the Double Cash as our “benchmark” credit card to compare the features of other credit cards and determine if they’re better or worse overall.
Chase Sapphire Preferred
Best sign-up bonus
Why it’s great in one sentence: The Chase Sapphire Preferred offers 80,000 bonus points when you spend $4,000 on purchases in the first three months after you open the account, and the points can be redeemed for travel via Chase Ultimate Rewards, or in other eligible categories using the card’s “Pay Yourself Back tool for 1.25 cents per point through September 30, 2021.
This card is right for: People with larger than average travel and/or dining expenses who want to redeem their credit card rewards for travel.
- Earn 2 points for every dollar spent on travel and dining purchases.
- Earn 5 points per dollar on Lyft rides through March 2022.
- Now through April 30, 2021, earn 2 points per dollar on grocery store purchases, up to $1,000 per month in combined purchases.
- Points can be redeemed for travel through the Chase Ultimate Rewards travel portal at a rate of 1.25 cents per point.
- Now through September 30, 2021, points can also be redeemed for purchases at grocery stores, dining establishments and home improvement stores at a rate of 1.25 cents per point.
- Points can also be transferred to any of Chase’s 13 airline and hotel partners.
- No foreign transaction fees.
- $95 annual fee.
Sign-up bonus: Earn 80,000 bonus points after you spend $4,000 on purchases in the first three months after opening the account, plus up to $50 in statement credits on grocery store purchases in the first year of account opening.
WIth classic travel and dining bonus categories, 5 points per dollar on Lyft rides through March 2022, and an 80,000-point sign-up bonus, you should be able to score plenty of points even if you can’t fly much at the moment, since Chase defines “travel” very broadly to include purchases like mass transit, tolls, parking and even ride-shares.
But the real power of the Chase Sapphire Preferred is in its redemptions. You’ll get 1.25 cents per point in value when you redeem your points through Chase’s travel portal. And last year, Chase added a new “Pay Yourself Back” tool to the Sapphire Preferred, which allows you to redeem points on purchases beyond just travel. The current eligible categories are grocery stores, dining establishments (including delivery and takeout) and home improvement stores, and through September 30, 2021, you’ll get 1.25 cents per point when redeeming this way.
Plus, you can get potentially even more value when you transfer your points to one of Chase’s 13 travel partners. In fact, the Ultimate Rewards program still features some of the best transfer partners around, including United Airlines, Southwest Airlines and Hyatt Hotels, and all partners transfer at a 1-to-1 ratio (meaning you’ll get 1 point in the partner program for every 1 point you transfer from Chase).
To top it off, when international flights resume, you can safely use the Chase Sapphire Preferred overseas, since it has no foreign transaction fees on international purchases. It even provides primary car rental insurance, so you don’t have to look to your own auto policy first if you have an accident with your rental car.
What could be better: The Chase Sapphire Preferred is a classic, but in some ways, it’s starting to get a little long in the tooth. Other credit cards now offer bonus points or cash back in the travel and dining categories, and in some cases at higher rates (though usually accompanied by higher annual fees).
Even our benchmark Citi Double Cash card earns 2% cash back -— 1% when you make a purchase, and 1% when you pay it off — on everything you buy, not just travel and dining, though you can get more value when redeeming your Sapphire Preferred points than you can with simple cash back.
For many people, the Sapphire Preferred isn’t as flashy as its big brother, the Chase Sapphire Reserve, which comes with travel perks, higher bonus rates and a $300 annual travel credit (but also a significantly higher annual fee). But if you don’t need or won’t use all those extra perks as travel slowly crawls back to life, you may be better off with this significantly less-expensive version.
Where it beats our benchmark card: Travel and dining bonus categories, excellent travel protections, solid airline and hotel partners, sign-up bonus.
Where our benchmark card is better: The Citi Double Cash has no annual fee, an introductory rate on balance transfers and easy cash back.
Chase Freedom Flex
Best for flexible rewards
Why it’s great in one sentence: If you’re on the fence about whether you’d prefer to rack up cash back or travel points, the Chase Freedom Flex allows you to do both when paired with the Chase Sapphire Preferred or Chase Sapphire Reserve card.
This card is right for: People who want maximum flexibility in a no-annual-fee credit card.
- Earn 5% cash back on travel purchases made through Chase Ultimate Rewards, 3% on dining and 3% at drugstores.
- Earn 5% cash back in bonus categories that rotate, up to $1,500 in purchases each quarter.
- Earn 1% cash back on all other purchases.
- Expert users can convert the cash back to flexible travel points when pairing the Freedom Flex with a Chase Sapphire Preferred or Reserve card.
- 15-month 0% introductory rate on purchases (14.99% to 23.74% variable afterward).
- No annual fee.
Sign-up bonus: Earn $200 in bonus cash back after you spend $500 on purchases in your first three months after opening the account.
What we like about the Chase Freedom Flex: If you prefer cash back now but think that a dose of adventure is in your future in 2021 once travel returns to normal, the new Chase Freedom Flex can give you the best of both worlds.
The Chase Freedom Flex starts by earning cash back in three permanent bonus categories: 5% cash back on travel purchases made via Chase Ultimate Rewards, 3% cash back on dining — including takeout and delivery — and 3% cash back at drugstores.
Then you’ll also earn 5% cash back on up to $1,500 in purchases in bonus categories that rotate each quarter. The categories for April through June 2021 are gas stations and home improvement stores, but each quarter’s categories are different.
That’s a pretty great package already for a cash back credit card. But when you pair the Chase Freedom Flex with the Chase Sapphire Preferred or Chase Sapphire Reserve, you can convert your cash back to points at a rate of 1 cent per point. Then you’re able to redeem those points for travel at an increased value of 1.25 to 1.5 cents apiece via the Chase travel portal, or in other categories using the “Pay Yourself Back” tool.
Even better, once you’ve converted your cash back to points, you can transfer them to any of Chase’s 13 airline and hotel loyalty partners. This amazing flexibility is why frequent flyer website The Points Guy values Ultimate Rewards points at 2 cents apiece. At that rate, since you’re earning 1.5% cash back on the Freedom Flex, you could effectively end up with a 3% return on your purchases.
Other benefits of the Chase Freedom Flex include cell phone protection, purchase protection, extended warranty protection and a three-month complimentary subscription to DashPass.
What could be better: You must remember to activate the rotating bonus categories each quarter in order to earn 5% cash back on them. While you can activate them almost anytime throughout the quarter and still get the bonus cash back retroactively on purchases you’ve already made, it’s important not to miss the deadline or you’ll lose out on an important feature of the card.
Where it beats our benchmark card: Sign-up bonus, cell phone and purchase protections, and introductory rate on purchases for 15 months.
Where our benchmark card is better: The Citi Double Cash offers a higher overall cash back rate and an introductory rate on balance transfers.
Blue Cash Everyday Card from American Express
Best for U.S. supermarkets
Why it’s great in one sentence: The Blue Cash Everyday card earns 3% cash back at U.S. supermarkets (up to $6,000 annually, then 1%) and 2% back at U.S. gas stations, while also offering a generous introductory interest rate on purchases for 15 months, all with no annual fee.
This card is right for: People who spend a significant amount of their money at U.S. supermarkets each year and don’t want to pay an annual fee for a credit card.
- Earn 3% cash back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
- Earn 2% cash back at U.S. gas stations and select U.S. department stores.
- Earn 1% cash back on everything else.
- 0% interest on all purchases for the first 15 months (13.99% to 23.99% variable afterward).
- Car rental loss and damage insurance included.
- No annual fee.
- Terms apply.
Welcome bonus: Earn $200 back as a statement credit after you spend $1,000 in purchases on your new card in your first three months after opening the account.
What we like most about the Blue Cash Everyday: For many Americans, a significant portion of the monthly family budget goes to supermarket expenses. The Blue Cash Everyday card dials up the bonus cash back in that category, as well as at gas stations, creating a go-to in your wallet for two routine purchases.
The card also pairs its bonus categories with an introductory 0% interest rate on purchases for the first 15 months. But you’ll want to make sure your debt is paid off by the end of the intro period, as the interest rate jumps to a variable 13.99% to 23.99% afterward.
New card members will also find a welcome bonus that should come in handy: $200 cash back after you spend $1,000 in purchases in the first three months. That’s a decent chunk of cash with a relatively low minimum spending requirement.
What could be better: Bonus cash back isn’t earned on purchases outside of the U.S. with the Blue Cash Everyday, and there’s a 3% foreign transaction fee on top of that. Plus, there’s no way to convert your cash back to American Express Membership Rewards points, which are potentially more useful for those who may want maximum flexibility in redeeming credit card rewards for travel down the line.
Also, the more expensive version of the Blue Cash Everyday is the Blue Cash Preferred® Card from American Express, which earns 6% cash back at U.S. supermarkets — double the Blue Cash Everyday — on up to $6,000 in purchases each year (1% thereafter). The Blue Cash Preferred also offers 6% cash back on select U.S. streaming subscriptions and 3% cash back at U.S. gas stations and on transit.
In exchange for those higher bonus rates, you’ll normally pay a $95 annual fee each year, but right now the Blue Cash Preferred comes with a $0 introductory annual fee for the first year. So you’ll need to consider whether the Blue Cash Everyday with no annual fee or the Blue Cash Preferred with a $95 annual fee after the first year is a better choice for your needs.
Where it beats our benchmark card: Welcome bonus, an introductory interest rate on purchases, car rental damage coverage.
Where our benchmark card is better: The Citi Double Cash has an introductory balance transfer offer and its cash back can be converted to Citi ThankYou travel points when combined with the Citi Prestige Card or Citi Premier Card.
American Express Gold
Best for dining
Why it’s great in one sentence: The American Express Gold Card is a top-notch card when it comes to food, as you’ll not only get a relatively high return at both restaurants and US supermarkets but also some incredible baked-in benefits.
This card is right for: People who either eat at restaurants or order food for delivery on a regular basis.
- Earn 4 points for every dollar you spend at US supermarkets (up to $25,000 per year in purchases, then 1x).
- Earn 4 points per dollar at restaurants worldwide.
- Earn 3 points per dollar for flights booked directly with airlines or on amextravel.com.
- Earn 1 point per dollar on everything else.
- Up to $120 in annual dining credits.
- Up to $120 in Uber Cash annually.
- $250 annual fee.
- Terms apply.
Welcome bonus: Earn 60,000 bonus points after you spend $4,000 on purchases in the first six months after opening the account.
Aside from earning a lot of points, you’ll get up to $10 in statement credits each month with the Amex Gold when you use your card to pay at select food merchants, including Grubhub, Seamless, The Cheesecake Factory, Ruth’s Chris Steak House, Boxed and participating Shake Shack locations.
You’ll also get up to $10 in Uber Cash each month, which can be used for either Uber rides or Uber Eats orders. So if you’re ordering out regularly these days, you can easily use up both the Uber Cash and the dining credits each month.
If you’re able to utilize all of these credits each year, that’s up to $240 in credits, which means you’re effectively only paying $10 for the card even with its $250 annual fee.
What could be better: The Amex Gold earns points that can be redeemed a number of ways, but are best used for travel. That means you’ll likely want to hold off on redeeming the points you earn with this card until travel resumes more broadly. So, if you’re looking for a card with rewards that you can use more immediately, you might be better off with a cash back card.
You’ll also want to look elsewhere if you can’t utilize the annual credits on the Amex Gold, which do require a bit of effort to maximize since they’re doled out monthly. Otherwise you’ll be paying a lot of money for the card and not getting the most for it.
Where it beats our benchmark card: Welcome bonus, annual credits, bonus categories, solid airline and hotel partners.
Where our benchmark card is better: The Citi Double Cash has no annual fee, an introductory rate on balance transfers and easy cash back.
Citi Diamond Preferred Card
Best for balance transfers
Why it’s great in one sentence: If you need to consolidate your debt to reduce your interest expenses right now, the Citi Diamond Preferred credit card offers an introductory interest rate on balance transfers for a full 18 months for transfers completed in the first four months after you open the card.
This card is right for: People who want to consolidate their existing debt at a low interest rate for an extended period of time.
- 0% interest for 18 months on balance transfers made in the first four months after you open the card (14.74% to 24.74% variable afterward).
- 0% interest on all purchases for the first 18 months (14.74% to 24.74% variable afterward).
- No annual fee.
Sign-up bonus: None.
What we like about the Citi Diamond Preferred: The first step to getting out of credit card debt is to stop the bleeding by putting a halt to the exorbitant interest you’re paying on your accumulated debt. A credit card with a long introductory balance transfer offer is exactly what the doctor ordered.
The Citi Diamond Preferred comes with a lengthy 18-month introductory period, during which you’ll pay 0% interest on any balance transfers made during the first four months you have the card. But you’ll want to make sure you pay off your entire balance transfer during those 18 months, because when that introductory period ends, the rate will jump to between 14.74% and 24.74%, depending on your creditworthiness.
Even better, you’ll get the same 0% interest rates on new purchases with the card for the first 18 months. Again, the rate goes to between 14.74% and 24.74% at the end of the intro period, depending on your creditworthiness, so make sure you pay off your balance before then.
The Citi Diamond Preferred card also comes with a free FICO credit score online and allows you to choose your payment due date, which is extremely helpful for those who pay their credit card bills around their paycheck schedule and need maximum flexibility.
What could be better: Aside from the balance transfer option and free FICO score, there aren’t a ton of exciting features with the Citi Diamond Preferred. There are no rewards on the card and no important other perks.
You’ll also pay a 3% fee (with a $5 minimum) on any balance transfers made to the Citi Diamond Preferred. That’s roughly average for a balance transfer fee, but it’s something you should keep in mind when transferring debt to the card.
If you only need the balance transfer option and not the introductory rate on purchases, consider our benchmark Citi Double Cash card, which offers 0% interest on balance transfers for the first 18 months you have the card (then a variable APR of 13.99% to 23.99% applies), but also earns 2% cash back on all purchases (though note that balance transfers don’t earn cash back).
Still, if you need to pay no interest on both your new and existing debt for an extended period, the Citi Diamond Preferred is potentially worth the extra cost to buy yourself time to get back on track and firm up your financial picture.
Where it beats our benchmark card: An introductory interest rate on purchases for 18 months.
Where our benchmark card is better: The Citi Double Cash earns cash back rewards on all purchases.
U.S. Bank Visa Platinum Card
Best introductory rate on purchases
Why it’s great in one sentence: For those who’d rather pay no interest on purchases for as long as possible instead of earning cash back or travel rewards, the U.S. Bank Visa Platinum Card offers 0% interest on all purchases for the first 20 billing cycles you have the card (the interest rate rises to a variable 14.49% to 24.49% after the introductory period ends).
This card is right for: People who want the longest possible introductory interest rate period on purchases when they first get a credit card.
- 0% interest on all purchases for the first 20 billing cycles (14.49% to 24.49% variable afterward).
- 0% interest for 20 billing cycles on balance transfers made in the first 60 days after you open the card (14.49% to 24.49% variable afterward).
- Cell phone protection.
- No annual fee.
Sign-up bonus: None.
What we like about the U.S. Bank Visa Platinum Card: Credit cards are generally known for having sky-high interest rates, making them terrible for financing large purchases. But the U.S. Bank Visa Platinum Card is an exception, at least for the first 20 billing cycles (meaning your first 20 monthly statements) after you get the card.
During that time, you can charge purchases to the card and pay them off slowly without incurring any interest at all. That’s a longer intro period than almost any credit card on the market, so it’s a good way to finance a large emergency purchase or even just daily expenses if you’re in a pinch.
But be careful! Once the introductory 0% interest period ends, any balance remaining on the card jumps to a variable interest rate of 14.49% to 24.49%, depending on your creditworthiness. If you haven’t paid off all those purchases in full by then, you’ll be on the hook for some giant interest payments. Still, if you need to just make ends meet for now, this is a card that can be a useful tool in your toolbox.
There’s also an added perk on this card: ongoing cell phone protection. When you pay your cell phone bill with the U.S. Bank Visa Platinum, you’ll be covered for damage or theft to your cell phone up to $600, with a $25 deductible, for up to two claims per 12-month period.
What could be better: Beyond the introductory rate on purchases as well as a similar introductory interest rate on balance transfers (which comes with a 3% fee), this isn’t a card that’s going to do a lot for you. It doesn’t earn any rewards at all, doesn’t come with a sign-up bonus and doesn’t have any other significant perks.
The U.S. Bank Visa Platinum has no annual fee, but it charges a 3% foreign transaction fee, so you definitely won’t want to use it overseas. In fact, aside from using it to finance purchases at 0% interest during the introductory period, it’s not a card that we’d recommend for long-term usage.
And if you’re willing to trade a slightly shorter introductory period in exchange for earning rewards, you might consider the Chase Freedom Unlimited, which offers an introductory interest rate on purchases for the first 15 months you have the card, but also offers 1.5% cash back on all purchases and additional bonus categories.
Where it beats our benchmark card: An introductory interest rate on purchases for the first 20 billing cycles, cell phone insurance.
Where our benchmark card is better: The Citi Double Cash earns rewards on all purchases.
Capital One Venture
Best for easy travel redemptions
Why it’s great in one sentence: You’ll earn 2 Capital One miles per dollar on every purchase with the Capital One Venture Credit Card, and you can redeem those miles for any travel purchase you make (or, for a limited time, on food delivery and streaming services) at 1 cent per mile, or transfer them to Capital One’s travel partners for potentially even more valuable redemptions.
This card is right for: People who want to earn easily redeemable miles to use for travel, but with the option to learn how to master transferable miles down the line for even greater value.
- Earn 2 miles per dollar on all purchases with no limit.
- Redeem miles for any travel purchase at a rate of 1 cent per mile.