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Columns | Go Far With Kovar

Best credit cards of 2021

by Taylor Kovar

Hi Taylor: I finally cut ties with an old credit card that had no rewards and a mediocre rate. Can you guide me on what kind of card I should go with now? Kind of open to anything. - Mazie

Hi Mazie: I was just reading about the latest and greatest credit card offers. I trust you to find one that meets your personal needs, but these are a few that caught my eye.

1. Chase Freedom Flex. I think this card debuted in 2020 and became an instant hit of sorts. It's as good a cash back card as you can find, with 5% returns on rotating categories to go with the fixed returns on things like restaurants and travel. You have to activate the alternating bonuses, which means there's a hands-on element to your rewards, but with no fee and lots of ways to get 5% back, it's obvious why this card is so popular.

2. Wells Fargo Propel AMEX.
If the goal is to earn travel rewards, I like what I see with this option. No annual fee, low introductory APR, and you can earn double and triple points on a bunch of different categories. Some of these travel cards take too long to accrue usable points, but the variety of ways you can earn rewards with the Propel card takes care of that.

3. U.S. Bank Visa Platinum.
For anyone looking to get debt under control or improve a credit score, this card offers a 0% APR on purchases and balance transfers for 20 billing cycles. Hard to find a better option if you're doing some in-house debt consolidation.

4. Capital One Spark Cash for Business. Business owners need to have a good rewards card, otherwise you're pretty much throwing money away. This one has a $95 annual fee and an APR around 20, but you get 2% cash back on every purchase without a limit. As long as you pay off your balance regularly, you can save thousands each year just for buying the things you need to buy.

5. Blue Cash Preferred AMEX. 6% cash back on purchases at U.S. supermarkets. 6%! That's almost unheard of. If you have a big family or just buy a lot of fancy foods, you'll easily make up for the $95 annual fee.

6. Alaska Airlines Visa Signature.
This one's a little more obscure but it's awesome for domestic travel. Growing list of U.S. cities, a lot of direct flights to Hawaii and Alaska, and you get a yearly companion ticket that essentially lets you get 2-for-1 travel. The $75 annual fee is reasonable and definitely outweighed by the perks.

Finding the right credit card is like finding the right bathrobe. We all like different sizes and materials, so you need to think about your needs and spending habits, then go for whatever checks the most boxes. Good luck!

Taylor Kovar 2-9-21
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Legal Disclaimer: Information presented is for educational purposes only and is not an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and, unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. To submit a question to be answered in this column, please send it via email to Question@GoFarWithKovar.com, or via USPS to Taylor Kovar, 415 S 1st St, Suite 300, Lufkin, TX 75901.

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