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This article was reviewed by Marguerita Cheng, a member of the Finder Editorial Review Board and award-winning advocate for ethical financial planning for over 20 years.

Finder’s credit card team spends hundreds of hours researching 500+ credit cards to find the ones with exceptional value. When choosing a credit card, look for the benefits and features that best fit your financial needs, whether that’s a 0% intro APR period, generous rewards, a strong signup bonus or a lengthy balance transfer offer. Our unbiased reviews and guides can help you choose a card that’s right for you.

Top credit card offers for January 2021

These are the top credit card offers this month that grabbed our attention.

Chase Freedom Flex℠ logo

Up to 5% cashback on rotating categories, Lyft, groceries and travel

Chase Freedom Flex℠

★★★★★
Blue Cash Everyday® Card from American Express logo

Everyday purchases: up to 3% back at supermarkets

Blue Cash Everyday® Card from American Express

★★★★★
Citi® Diamond Preferred® Card logo

Ultra-long intro APR for 18 months on purchases and transfers

Citi® Diamond Preferred® Card

★★★★★
Blue Cash Preferred® Card from American Express logo

Cashback for families: up to 6% back in popular categories

Blue Cash Preferred® Card from American Express

★★★★★

Compare credit cards

Use our credit card comparison tool to narrow down a selection of cards that meet your needs and that you’re most likely to qualify for. Select your credit score and click Show cards, and then filter your options by selecting card features and issuers from each drop-down menu.

Name Product Filter values Rewards Annual fee Purchase APR
Blue Cash Preferred® Card from American Express
Finder Rating: 4.3 / 5: ★★★★★
Blue Cash Preferred® Card from American Express
6% on select US streaming services, 3% on transit and US gas stations, 6% at US supermarkets on up to $6,000 annually, then 1% after that and on all other purchases
$95
0% intro for the first 12 months (then 13.99% to 23.99% variable)
Perfect for families: Get up to 6% on everyday purchases and a welcome offer worth $250. This heavy-hitter rewards card has uncontested value. Rates & fees
Blue Cash Everyday® Card from American Express
Finder Rating: 4.6 / 5: ★★★★★
Blue Cash Everyday® Card from American Express
20% at Amazon.com up to $200 back in the first 6 months, 2% at US gas stations and select US department stores, 3% at US supermarkets on up to $6,000 per year, then 1% after that and on all other purchases
$0
0% intro for the first 15 months (then 13.99% to 23.99% variable)
This everyday cashback card is ideal for Black Friday and holiday shopping with 20% back at Amazon.com up to $200 back in the first 6 months. Rates & fees
Chase Freedom Flex℠
Finder Rating: 4.7 / 5: ★★★★★
Chase Freedom Flex℠
5% back in rotating categories up to $1,500 combined each activated quarter (then 1%), 5% on travel purchased through Chase, 3% on dining and drugstores, and 1% on all other purchases
$0
0% intro for the first 15 months (then 14.99% to 23.74% variable)
Get up to 5% cashback in rotating and newly added everyday categories. The refreshed Freedom Flex card has lots of earning potential.
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Finder credit card staff picks

My favorite cardWhy I love this cardCardmember since
Megan Horner

Megan Horner
Credit Cards Publisher

Hilton Honors American Express Surpass® CardThis card gives me priority pass lounge access without a crazy high annual fee!2019
Amy Bonnett

Amy Bonnett
Compliance Coordinator

Capital One® VentureOne® Rewards Credit CardUnlimited 1.25x miles on all purchases and no annual fee make this an easy travel card to keep in my wallet. I also never have to worry about foreign transaction fees when I use it while traveling abroad.2016
Kevin Chen

Kevin Chen
Credit Cards Writer

Chase Freedom Unlimited®I got this card because I was a longtime Chase customer, and it’s my favorite precisely because it’s so simple. The 1.5% flat-rate cash back gives me solid rewards on all purchases. And because I have the Chase Sapphire Preferred® Card as well, I can get a higher value from my rewards by transferring them to airlines.2017
Sarah Barness

Sarah Barness
Credit Cards Editor

JetBlue CardThis card has no annual fee and lets me earn airline points on everyday purchases. It makes flying easy!2017
Steven Dashiell

Steven Dashiell
Credit Cards Writer

Chase Sapphire Reserve®This card is incredibly feature rich and the annual fee paid for itself through travel credits within just a few months. Love the 3x points earning rate on travel and dining – not to mention Priority Pass discounts on airport meals.2019

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4 Responses

    Default Gravatar
    KellieJuly 3, 2019

    Can you help me find my account number?

      Avatarfinder Customer Care
      nikkiangcoJuly 3, 2019Staff

      Hi Kellie,

      Thanks for getting in touch! Kindly note that we are unable to find your account number for you. You would need to contact your bank to retrieve your account number.

      Hope this helps! For any further questions, feel free to reach out to us again, we’re here to help.

      Best,
      Nikki

    Default Gravatar
    CheckingMarch 11, 2019

    How do I find status of my application?

      Avatarfinder Customer Care
      nikkiangcoMarch 11, 2019Staff

      Hi there,

      Thanks for getting in touch! To check the status of your credit card application, go to the website of the card provider and read through their application process. If there is no information stated, your next step is to give them a call. Hope this was helpful. Don’t hesitate to message us back if you have more questions.

      Best,
      Nikki

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