Originally published in 2017 and updated in 2021

There are a lot of great credit card promotions worthwhile to sign up for in 2021. Our editorial team is constantly searching for great promotions to help consumers take advantage of amazing rewards and points when shopping, traveling and making everyday purchases. These credit cards can rewards you with bonus points that can be exchange for good discount voucher when you spend money. The following are the top 4 rewards credit cards that allows you to earn the best bonus for January of 2021

1. Chase Sapphire Preferred Card

Chase Sapphire Preferred Card is offering a 50,000 bonus points when your total expenses amount to $4,000 within 3 months from the time your account is opened. The 50,000 bonus points is handy in helping you to get a travel voucher that is worth $625. Aside from the signup bonus, you also get to earn 2 points for travel and dining and 1 point on everything else. If you redeem your bonus points for a travel category, you will earn an additional 25% in discount. The annual fee is completely free in the first year but you will get charged for $92 starting in the second year. Chase Sapphire Preferred Card does not have any introductory promotion.

2. Discover it Cashback Match

Discover it Cashback Match allows you to earn 5% cash back when you spend a minimum of $1,500 in the bonus categories. Department store is one of the bonus categories at the end of the year. This applies to both online and local department stores. When you use Discover it Cashback Match to shop at Amazon, you will be able to earn some bonus. You can twice cash back in the first year so you will get 10% instead of 5% cash back. Discover it Cashback Match doesn’t have any foreign transaction fee even though it is not accepted in many countries other than US.

3. Citi ThankYou Preferred Card

Citi ThankYou Preferred Card is a favorite credit card for shoppers during the holdiay season. You earn double points when you spend money in entertainment and dining categories. It offers 0% APR for a period of 15 months on both purchases and balance transfers. The bonus points that you earn can be redeemed for a variety of stuff such as repayment for student loans, gift cards, and discount when you rent a car. The card is not suitable to be used for shopping overseas as it charges a 3% foreign transaction fee.

4. Blue Cash Preferred Card from American Express

Blue Cash Preferred Card from American Express is great for holiday shopping in the Christmas season. It offers the highest reward rate of 6% cash back for grocery shopping. The categories that get the second highest reward rate are gas station, and department stores. Finally, it also offer a 1% cash back rewards rate on other categories of purchases. Currently, it is offering a 5% cash back for selected travel purchases made in a 6 months period. Blue Cash Preferred Card also offers a signup bonus of $150 when you spend at least $1,000 in 3 months. The card does not charge any annual fee and you get 0% APR on purchases and balance transfer for 1 year.