That is a common misunderstanding of 1 Peter 3:21, but Peter actually explains what he means right in the same sentence.
“The like figure whereunto even baptism doth also now save us (not the putting away of the filth of the flesh, but the answer of a good conscience toward God,) by the resurrection of Jesus Christ.” (1 Peter 3:21 KJV)Peter is careful to say what kind of baptism he’s talking about—not the external washing (“not the putting away of the filth of the flesh”), but the inward appeal or “answer of a good conscience toward God.”
That word answer (eperōtēma) in Greek means pledge, request, or appeal—it’s the heart’s response of faith.
So Peter is describing salvation through the reality baptism symbolizes—union with Christ in His death and resurrection (“by the resurrection of Jesus Christ”).
If water itself saved, he wouldn’t have added the clarification that it’s not about washing the flesh.
Just as Noah’s family was saved by being in the ark, not by the water that drowned the world, we are saved by being in Christ, not by the water that represents that union.
Basically....
So 1 Peter 3:21 actually supports your point, not his. It shows baptism is a symbolic appeal of faith, not the instrument of salvation.
- Peter uses baptism as a figure—a symbol of the inner reality of salvation.
- The saving element is the resurrection of Christ, received by faith, not by the physical act of immersion.
- The verse explicitly denies that it’s about outward washing.
Grace and Peace
Peter plainly says in that verse that water baptism saves us. It is the antitype of Noah being saved by water. He also plainly says that water itself doesn't cleanse a fleshly heart, but it is a petition to God to do so. So it logically follows that spiritual circumcision is contingent upon that petition expressed through water baptism.