7 BEST Credit Cards of 2021

so here in my hand i have two very full credit card binders now over the past few years it took me a while to accumulate this collection that you see right here and over those few years i had to go through hours upon hours of research every single day trying to figure out the good credit cards the ones i need and even the ones that are bad and the ones that i should avoid now lucky enough for you you don't have to do any of that research because i'm gonna be going over exactly everything i've learned over the past few years in the best credit cards that you need to look out for for this year and believe it or not guys there are some extremely terrible credit cards some of them are borderline predatory it's the biggest scam in freaking history now i am personally so grateful that i found out about the credit card points at miles community a few years back because i haven't really done much i just use my credit cards in replacement of my debit card i do the same everyday purchases that i normally would and within a few years i managed to accumulate over millions of credit card points that are worth tens of thousands of dollars that i'm just sitting on usually to accumulate tens of thousands of dollars i would have to work for it in this instance when you know how credit cards work and you understand the benefits the great thing is you don't have to really work for you just do whatever you're doing already you just add credit cards to the mix and you're accumulating free benefits and free rewards now if you're a little new to the space and you've heard the term that credit cards are bad for you and there's something that you shouldn't mess around with trust me i was in your situation not too long ago but that's what this whole channel is about we're not going to be talking about why credit cards are beneficial and what you should actually know you can watch some of my older videos to get a better idea of that so in this video we're gonna be breaking down seven of the best credit cards i'll give you my personal recommendation the credit score that you need and why they are the best in addition to that i've made it easy for you to follow along in this video so if you open up the video description you're going to see some chapter outlines and if you want to skip or fast forward ahead to different parts you can go ahead and do that but i highly recommend you to watch this entire thing because you don't want to miss out on some of the value that i may provide because there are some things that have changed that you may not know about this year now on top of that to make this video even more easy to understand what i went ahead and did was separate seven different subcategories that each credit card dominated in so we're gonna have the best starter card the best cash back credit card the best grocery card the best card for dining the best welcome bonus card the best travel card the best zero percent interest card and the best business credit card whoops are we at eight credit cards i think we are at eight one two three four five six seven eight i think we're at eight credit cards but we're just going to go ahead and say this is uh the seven best i don't know why for some reason seven just seems to be the magic number where the youtube algorithm uh favors that so we'll go ahead and just say seven and then we'll add a plus one at the end of it now before we get started with this video you know the drill go ahead and drop a like down below on this video this is gonna be one of the most educational informative videos that you're probably gonna watch on youtube and if you wanna go ahead and tell the algorithm hey i enjoy learning more i want to see content similar to this drop a like down below the algorithm will take care of it and you'll also be supporting this channel as well at no cost to you so thank you again for watching this video liking this video and let's get into the value now so for the best starter card of 2021 let's talk about what i have on this list now there is one particular card that has been the industry standard for as long as we can remember on this channel but because of some issues with compliance and them not wanting to talk about it i found an alternative card that other card that i can't mention on this channel is still a great pick so if you're wondering why i didn't include it it's just mainly because of compliance they don't want me talking about it on this youtube channel for whatever reason so i went ahead and named another alternative right here this card is gonna be the city double cash card many of you guys may have heard of it surprisingly enough many of you guys may actually have this card in your wallet so when it comes to the city double cash card they do a great job in nailing down the basics and the fundamentals of having an easy straightforward credit card to start the approval rate is pretty high compared to other issuers in the industry when we're talking about a starter credit card and most people applying for these cards who don't have a credit score the most important thing that they can look into or have on their side is getting approved for these cards the city double cash card has an extremely high approval rate they have no annual fee you get two percent cash back on everything it is simple to use and there's a little bit more icing on the cake you get 18 months of zero percent apr out of all the cards that city has on its lineup because of how simple this card is and because of how easy to use it is i'm gonna recommend this as the best starter card for this year if you're looking to apply for this card the recommended credit score that i say you should have would be at least at least 580. now i know there are people who do get approved with scores less than that i know there are people who get denied with 830 credit scores this is highly dependent on what time of year it is what the banks are up to and what your personal credit profile entails so if you hear me giving a credit card score recommendation for each individual card they're not verified or anything they're just my personal opinion if you have a good score if you have a bad score either way something could happen but this is what uh i would just say brian jones recommended score is so number two on this list is gonna be the best cash back credit card for this right here we have personally one of my favorite credit cards for this past year that recently got a buff this is gonna be the chase of freedom flex card previously this was known as the chase freedom card they've added a whole ton of different benefits that i'm gonna share with you right here so to start with the chase freedom flex card you get five percent cash back on rotating categories up to fifteen hundred dollars per quarter you can also find yourself getting five percent cash back on lyft through march 2022 you can also get five percent cash back on travel purchase through the ur portal three percent on dining three percent on drugstore purchases and one percent back on everything else unlike the city double cash card you do get a little bit more with this card and that is going to be the welcome bonus which is an amazing benefit itself right there so with the chase freedom flex card if you spend 500 in three months you'll be getting 200 cash back so that means for 500 of purchases you make on that credit card you're essentially getting 40 back off on everything in the form of points and cashback the benefit that you have with chase is that once you accumulate a good amount of cashback or points or whatever it is on your account you can transfer that for whatever you want so if you have a chase sapphire preferred card you can transfer your chase freedom cash into points vice versa you can do whatever you want so that's why i say points in cash some additional things to note about this card as well it has no annual fee you get cell phone protection and you can redeem your cash or transfer them out for points the recommended credit score for a card like this is going to be 650 but because of the current pandemic that is going on in this world i would encourage you to have a score of at least 700 but i've heard people with scores of 600 still getting approved for this card your miles may vary now before we talk about the third card on this list we do have a special sponsor for today's video and that is going to be crypto.com so if you didn't know i actually have been using crypto.com for a very long time this is actually their debit card that they supply you with and pretty much you can buy crypto sell crypto state crypto transfer crypto and put it on a debit card and use this debit card so essentially you can buy things with crypto because you have a card like this crypto.com has an incredible app that you can use the interface is extremely awesome and if you are interested in learning more about cryptocurrency because it has been an incredible year for people in this niche you should definitely check out crypto.com listed down below in the description i have a special promo code as well you get 25 if you sign up using my link down below the referral code for that is going to be jung j ung so go ahead and enter that when you sign up it's going to be a free 25 once you do go through the entire account uh process but yeah that is crypto.com i just want to give them a last little shout out so thank you so much again to the team at crypto.com for sponsoring today's video and on to the third best credit card which is the best grocery card for 2021. now i don't know about you guys but i do spend a good amount of money at the grocery store i think if you are into fitness or anything at all or if you just want to eat to survive grocery store spent is something that you want to capitalize with this type of category there are many different cards that benefit this as well the chase freedom flex card had a promotion where they're giving you five percent back on u.s supermarkets and grocery stores it was amazing i don't believe that promotion is going on anymore moving into the new year so we can't include that for this there are a couple other cards on this list but the one card on this list that truly stood out was the american express of blue cash preferred so this card currently has a limited time promotion where they're giving you three hundred dollars cash back after you spend three thousand dollars in six months in the form of a statement credit with welcome bonuses often time the limit is three months but american express has extended this offer towards many of their cards for a six month period so if you don't spend that much money you don't really have to be worried because most people are gonna be able to spend that much money in the span of half a year now the next thing to note is this card does come with a little bit more icing on the cake you get zero percent intro apr for 12 months at the time of this recording with even those few benefits alone many people will argue that the blue cash preferred is one of the most underrated credit cards out on the market but that's not even where we stop the cash back categories that you get with a card like this is absolutely phenomenal so the blue cash preferred card you can earn six percent cash back at us supermarkets on up to six thousand dollars per year you can also get six percent cash back on select us streaming subscriptions and you get three percent cash back on transit this includes taxi ride chairs parking tolls trains buses and more you can also find yourself getting three percent cash back at us gas stations and you get one percent cash back on all other purchases now with a card like this you have to imagine that there is an annual fee the answer to that is yes and no so for the first year that you hold this card it's a zero dollar annual fee that's absolutely crazy the second year after that it's gonna be 95 there are many cards out on this market that charge an annual fee of double of what this does and it comes with half the benefits this is absolutely one of the most underrated credit cards if you're looking to get six percent back on grocery store spend aside from the other cards on this market i would say this is pretty dang competitive now the blue cash preferred card i do recommend that you have a pretty decent score 650 is really gonna be the bare minimum on this card but i highly recommend you to have a score of at least 700 if you want to get approved now before we talk about the next best dining credit card for this year i do have to mention if you are interested at all in applying for any of these cards check out the links down below in the description under brian jung's top card picks these will all be listed there they don't cost you a single thing but they do significantly support this channel you don't have to use those links if you don't want to it's all good but if you do want to check out some of these credit cards i do have links down below in the description that you can also check out now on to the next one this is gonna be the best credit card for dining and we got the american express gold card for this category so this shouldn't come to anybody's surprise ever since american express came out with a revamp where the gold card has now got a whole new metal refresh it has been a people's favorite card now although a credit card like this has a pretty high annual fee of 250 watch some of my older videos talking about how you get way more value than the annual fee you pay and the break-even point is smothered down below with all the credits that you get this is a no-brainer if you're looking to have a primary everyday driver for going out getting food or getting dining now with a card like this you can earn 4x back at u.s supermarkets on up to 25 000 per calendar year you get 4x back on restaurants you get 120 dining credits which you can use at grubhub seamless the cheesecake factory ruth's chris steakhouse boxed and seamless as well did i just say seamless twice with the american express gold card i recommend you to have a credit score of at least 680. because of the pandemic i would say that should go up a little bit if you have a score anything under than 700 i can't guarantee you're gonna get an automatic approval but if you do have a higher credit score you'll have a higher chance of getting approved for a card like this don't be afraid of the annual fee i know many people are don't be afraid the credits make it worth it if you want to learn more about the american express gold card just type in amex gold on youtube search and you'll see one of my videos pop up watch one of those to see if this card makes sense for you now the next category on this list is going to be a card for the best welcome bonus available so hands down i believe this is going to be the chase sapphire preferred with the chase sapphire preferred you can find yourself earning 60 000 points after you spend four thousand dollars in the first three months that is equivalent to twelve hundred dollars if you get a two point to one cent redemption now if you don't and you get a one point to one cent that's still six hundred dollars by spending that required amount and owning this credit card the chase staff i preferred doesn't have any significance in other categories like the cash back category you get 2x back on travel and dining it's okay it's not the best i would say you should get this card for that welcome bonus knock it out and consider moving on to another card what i personally did with my chase sapphire preferred card is once i got it i did downgrade it over into the chase of freedom unlimited that was just the thing that makes the most sense once you have about 14 15 credit cards it doesn't make sense to hold a credit card that has an annual fee that isn't able to compete with other cards that have no annual fees at all the recommended credit score for the chase sapphire preferred is going to be 700 if you have anything lower than this i don't think you'll get approved so i do recommend you to have a pretty good credit score in order to qualify for a card like this the next category that we have on this list is going to be the best travel credit card so this is personally one of my top three credit cards it is always in my wallet and this is going to be the american express platinum credit card so in terms of credits you can find yourself getting 200 for uber rides or uber eats every single year you can get a hundred dollar statement credit towards saks fifth avenue and you can also find yourself getting a ton of amex offer credits which have been killer this past year in terms of free benefits that american express is handing out to their card holders as soon as 2021 started they came out the home depot credit and the best buy credit to select users i was lucky enough to get that and right there that was a free 200 credit added onto my account the reason why i mentioned the significance of those even though those aren't really travel benefits is because this card does come with a pretty significant annual fee and many people are concerned about the break even and whether or not this card would cost them more money or give them benefits based off of what we've seen from 2020 and even the beginning of 2021 american express is not going to hesitate in order to keep current card holders especially while many people are restricted in traveling now even if that wasn't the case this is still a magnificent card for traveling you can find yourself getting marriot gold status hilton gold status you can get elite car rental status you get a free concierge cell phone number that you can contact with regards to pretty much anything you need as long as it's legal and you get a free tsa pre-check credit so with the american express platinum card you can find yourself getting a ton of free benefits i've talked about some of the secret benefits of status matching back before in the past if you've never heard of this before it is one of the most amazing things that you can do with credit cards so say this is my platinum card say this gives me marriott gold i can go over to a uh casino or another hotel and be like hey look um i have a platinum card i got marriott gold on my account i want you guys to match me and give you your elite status as well you can do this and elite status and status match and then do the whole train of it and at some point when you get status at other particular places you can get free hotel nights you can get free hotel upgrades you can get literally a free night in a in atlantis in the bahamas that was amazing so the best travel credit card in my opinion is going to be the american express platinum card now another card that competes heavily with that is the chase sapphire reserve at the moment i am still hands down team american express and i would consider my platinum card over the reserve any single day i made a video on my channel talking about the differences between the two and why i chose one card over the other so if you guys are curious about which card is better and why in terms of luxury travel benefits check out that one at the end of this video now the next thing we have on this list is gonna be the best zero percent interest credit card so on this channel we often don't talk about credit cards that carry a balance i don't recommend it at all but i do know that many people are going through some very difficult rough financial times you may have experienced some unprecedented events where maybe you lost your job or maybe a significant medical bill came up who knows zero percent intro apr credit cards are absolutely a lifesaver because you don't have to pay interest on those amount and you can get a fixed line of credit that can really cover your butt for the next few years now the card that i have on this list is going to be the american express blue cash every day card with this card you can get 0 intro apr for 15 months there are other cards that are stretching it to 18 months that we've mentioned on this list but the reason why i say the blue cash every day is because it is pretty easy getting approved for an american express card now if you do have a terrible score i'm not gonna say you're 100 guaranteed to get a proof for a card like this but in terms of other issuers in the past american express does a good job of approving new applicants into their lineup especially with cards that have a longer zero percent intro apr now the blue cash every day card you can also find yourself earning 300 cashback you'll get 20 back on amazon.com purchases on the card within the first six months of card membership they kept that out at 200 back and then you can earn 100 after you spent a thousand dollars on purchases within the first six months of card membership so if you're looking for a good at no interest apr card you can find yourself getting a welcome bonus promotion on top of that now the blue cash every day card is spectacular in another category and this is going to be the cash back rewards that you can get with this card you can earn up to three percent cash back at us supermarkets on up to six thousand dollars per year you can earn two percent cash back at us gas stations and two percent back on u.s department stores and you get one percent cash back on everything else now to sum this video up we're gonna end on the best business credit card for this year so many people ask me this question all the time brian what is the best business credit card that you can get out here and this really just depends on what your goals are i would normally say that the chase inc business credit cards are superior and dominant in mostly every single way but i did have to change up my ranks a little bit because it seems like not many people can still get approved for the ink cards in my personal opinion the best business credit card is going to be the american express blue business plus card or the capital one spark card now this is based on the circumstance that people are just trying to get approved for these cards and it's not really about the welcome bonuses associated with the american express blue business plus card you can find yourself getting 2x back on everything up to 50 000 per year this card also does come with a 0 intro apr bonus for 12 months reason why i have this considered as the best business credit card is because they do approve a lot more candidates than other competitors in the market and they do a good job with customer support and just having a good relationship with consumers that do pick up a card like this once you get settled down with one business credit card it's a lot easier getting approved for other ones in the near future and i would recommend you to start out with this if you don't have any at all to get approved for this card i do recommend you to have a score of at least 715 but but i have seen people get approved with scores lower than that so that was my video talking about the seven best credit cards plus the bonus one technically makes it eight but that was my video right there so if you enjoyed this video don't forget to share this with a friend check out the links down below again if you are interested at all and applying for any of the cards that i mentioned in this video now i do have one last little treat for you if you do want to sign up for robin hood i have a special promo link this is not going to be available for the remainder of the year this is just a limited time promotion for our jungian viewers so if you want four free stocks with robinhood i don't believe that they've ever done this in the past sign up using my link down below deposit whatever amount you want into the app they don't have a minimum requirement at all it could be five ten bucks but what's gonna happen is you'll get one free stock with robinhood using my link down below and towards the beginning of february they're gonna gift your account another three free stocks one of those stocks could be worth up to two hundred dollars i had a recent subscriber just comment on my video and tell me that he won an apple stock which is absolutely amazing so guys if you want to have a chance of winning some additional stocks completely free money check out the link down below in the description but like always thank you all so much again for watching this video if you are interested at all in stock content credit card content or overall business and finances consider subscribing to this channel i would love for you guys to join us on this ride so thank you all so much again for watching this video i hope you guys have a great day and until next time peace out

Channel: Brian Jung

Views: 145,650

Rating: 4.9474597 out of 5

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Id: Jf7qCmJdu0Q

Length: 21min 44sec (1304 seconds)

Published: Mon Mar 15 2021