BEST OVERALL
Best Credit Card for Good Credit
4.6WalletHub Rating
WalletHub Rating
4.6
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated the card for various cardholder needs and picked the rating for the need most relevant to this page ("Earn Rewards"). The rating for this card may vary on other pages where a different need is used. A rating of 5 is the best a card can receive.
Editor’s Rating
5.0
User Reviews
3.9
Market Comparison
4.6
fees: 2.9
rewards: 4.8
cost: 5.0
Other Features: 5.0
Regular APR
21.49% - 28.49% (V)
Annual Fee
$95
Rewards Rate
1 - 5 points / $1
Bonus Offer
60,000 points
Accepted Credit
Excellent, Good
Regular APR
21.49% - 28.49% (V)
Annual Fee
$95
Rewards Rate
1 - 5 points / $1
Bonus Offer
60,000 points
Accepted Credit
Excellent, Good
Editors’ Thoughts
Why We Like It: The Chase Sapphire Preferred® Card is the best credit card for good credit because it offers an initial bonus of 60,000 bonus points for spending $4,000 in the first 3 months. That can get you $750 in travel if you book through Chase Travel. You’ll also get 5 points per $1 spent on travel purchased through Chase, 2 points per $1 on all other travel purchases, 3 points per $1 on dining and online grocery purchases, 3 points per $1 on select streaming services, and 1 point per $1 on all other purchases.
What We Don’t Like: Chase Sapphire Preferred has a $95 annual fee and a high APR.
Who Should Get It: Apply for Chase Sapphire Preferred if you have good credit or better, you can comfortably qualify for the initial bonus, and you plan to travel frequently as well as pay the bill in full monthly. That way, you can benefit from the bonus rewards without having to pay interest charges.
Pros, Cons & More Details
Pros
- 60,000 points - initial bonus
- Up to 6.25% back when redeeming for travel
- No foreign transaction fees
Cons
- $95 Annual fee
- 1 point per $1 base earn rate
Rewards Details
- Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.
- Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
- Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
- Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
Interest Rate Breakdown
| Balance | APY |
|---|
Additional Info
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- Member FDIC
- More Details & Reviews About Chase Sapphire Preferred® Card
Pros, Cons & Details
Best Credit Card for Good Credit with Cash Rewards
4.4WalletHub Rating
WalletHub Rating
4.4
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated the card for various cardholder needs and picked the rating for the need most relevant to this page ("Earn Rewards"). The rating for this card may vary on other pages where a different need is used. A rating of 5 is the best a card can receive.
Editor’s Rating
5.0
User Reviews
3.1
Market Comparison
4.4
fees: 3.8
rewards: 4.7
cost: 4.7
Other Features: 0.0
Purchase intro APR
0% for 15 months from account opening
Transfer intro APR
0% for 15 months from account opening on qualifying balance transfers
Transfer Fee: 3% intro for 120 days, then up to 5% (min $5)
Regular APR
20.24% - 29.99% Variable
Annual Fee
$0
Rewards Rate
2% Cash Rewards
Bonus Offer
$200 Cash Rewards
Accepted Credit
Excellent, Good
Purchase intro APR
0% for 15 months from account opening
Transfer intro APR
0% for 15 months from account opening on qualifying balance transfers
Transfer Fee: 3% intro for 120 days, then up to 5% (min $5)
Regular APR
20.24% - 29.99% Variable
Annual Fee
$0
Rewards Rate
2% Cash Rewards
Bonus Offer
$200 Cash Rewards
Accepted Credit
Excellent, Good
Editors’ Thoughts
Why We Like It: The Wells Fargo Active Cash® Card is the best cash back credit card for people with good credit who want a consistent rewards rate across all purchases. It gives 2% cash rewards on all purchases, plus an initial bonus of $200 cash rewards after spending $500 in the first 3 months.
Wells Fargo Active Cash also has a $0 annual fee and a low introductory APR. New cardholders enjoy 0% for 15 months from account opening on purchases and qualifying balance transfers.
What We Don’t Like: The regular APR is pretty high, at 20.24% - 29.99% Variable so it’s best to pay your bill in full monthly after the low-interest promotion ends.
Who Should Get It: Apply for Wells Fargo Active Cash if you want a great all-around credit card.
Pros, Cons & More Details
Pros
- $200 cash rewards bonus
- $0 annual fee
- 2% cash rewards on purchases
- 0% introductory APR
Cons
- High regular APR
- Foreign transaction fee
- Balance transfer fee
Rewards Details
- Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
- Earn unlimited 2% cash rewards on purchases.
- No categories to track or remember and cash rewards don't expire as long as your account remains open.
Interest Rate Breakdown
| Balance | APY |
|---|
Additional Info
- Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
- 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers. 20.24%, 25.24%, or 29.99% Variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
- $0 annual fee.
- Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
- More Details & Reviews About Wells Fargo Active Cash® Card
Pros, Cons & Details
BEST CASH BACK CREDIT CARDS
Best Credit Card for Good Credit with Cash Rewards
4.4WalletHub Rating
WalletHub Rating
4.4
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated the card for various cardholder needs and picked the rating for the need most relevant to this page ("Earn Rewards"). The rating for this card may vary on other pages where a different need is used. A rating of 5 is the best a card can receive.
Editor’s Rating
5.0
User Reviews
3.1
Market Comparison
4.4
fees: 3.8
rewards: 4.7
cost: 4.7
Other Features: 0.0
Purchase intro APR
0% for 15 months from account opening
Transfer intro APR
0% for 15 months from account opening on qualifying balance transfers
Transfer Fee: 3% intro for 120 days, then up to 5% (min $5)
Regular APR
20.24% - 29.99% Variable
Annual Fee
$0
Rewards Rate
2% Cash Rewards
Bonus Offer
$200 Cash Rewards
Accepted Credit
Excellent, Good
Purchase intro APR
0% for 15 months from account opening
Transfer intro APR
0% for 15 months from account opening on qualifying balance transfers
Transfer Fee: 3% intro for 120 days, then up to 5% (min $5)
Regular APR
20.24% - 29.99% Variable
Annual Fee
$0
Rewards Rate
2% Cash Rewards
Bonus Offer
$200 Cash Rewards
Accepted Credit
Excellent, Good
Editors’ Thoughts
Why We Like It: The Wells Fargo Active Cash® Card is the best cash back credit card for people with good credit who want a consistent rewards rate across all purchases. It gives 2% cash rewards on purchases, plus an initial bonus of $200 cash rewards after spending $500 in the first 3 months.
Wells Fargo Active Cash also has a $0 annual fee and a low introductory APR. New cardholders enjoy 0% for 15 months from account opening on purchases and qualifying balance transfers.
What We Don’t Like: The regular APR is pretty high, so it’s best to pay your bill in full monthly after the low-interest promotion ends.
Who Should Get It: Apply for Wells Fargo Active Cash if you want a great all-around credit card.
Pros, Cons & More Details
Pros
- $200 cash rewards bonus
- $0 annual fee
- 2% cash rewards on purchases
- 0% introductory APR
Cons
- High regular APR
- Foreign transaction fee
- Balance transfer fee
Rewards Details
- Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
- Earn unlimited 2% cash rewards on purchases.
- No categories to track or remember and cash rewards don't expire as long as your account remains open.
Interest Rate Breakdown
| Balance | APY |
|---|
Additional Info
- Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
- 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers. 20.24%, 25.24%, or 29.99% Variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
- $0 annual fee.
- Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
- More Details & Reviews About Wells Fargo Active Cash® Card
Pros, Cons & Details
Best Credit Card for Good Credit with a Low Intro APR & Rewards
4.1WalletHub Rating
WalletHub Rating
4.1
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated the card for various cardholder needs and picked the rating for the need most relevant to this page ("Earn Rewards"). The rating for this card may vary on other pages where a different need is used. A rating of 5 is the best a card can receive.
Editor’s Rating
5.0
User Reviews
3.6
Market Comparison
4.0
fees: 3.8
rewards: 3.4
cost: 4.7
Other Features: 0.0
Purchase intro APR
0% for 15 months
Transfer intro APR
0% for 15 months
Transfer Fee: Either $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days (5%, min $5 after)
Regular APR
20.49% - 29.24% (V)
Annual Fee
$0
Rewards Rate
1.5 - 5% Cash Back
Accepted Credit
Excellent, Good
Purchase intro APR
0% for 15 months
Transfer intro APR
0% for 15 months
Transfer Fee: Either $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days (5%, min $5 after)
Regular APR
20.49% - 29.24% (V)
Annual Fee
$0
Rewards Rate
1.5 - 5% Cash Back
Accepted Credit
Excellent, Good
Editors’ Thoughts
Why We Like It: Chase Freedom Unlimited® is one of the best credit cards for good credit because it has a $0 annual fee and great rewards. The Freedom Unlimited card gives 1.5 - 5% cash back on purchases,and you get an extra 1.5% cash back on everything you buy the first year, up to $20,000 spent.
New cardholders also enjoy introductory interest rates of 0% for 15 months on purchases and balance transfers.
What We Don’t Like: If you carry a balance from month to month after the low-interest promotional period ends, it will be subject to a fairly high interest rate: 20.49% - 29.24% (V).
Who Should Get It: Apply for Chase Freedom Unlimited® if you want a great all-around credit card and the bonus rewards match up well with your biggest expenses.
Pros, Cons & More Details
Pros
- Earn rate: 1.5 - 5% cash back
- 0% for 15 months on purchases and balance transfers
- $0 annual fee
Cons
- Balance transfer fee
- Foreign transaction fee
- Potential for a high regular APR
Rewards Details
- INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
- Enjoy 6.5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
- After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
- No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
Interest Rate Breakdown
| Balance | APY |
|---|
Additional Info
- Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
- No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
- Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
- Member FDIC
- More Details & Reviews About Chase Freedom Unlimited®
Pros, Cons & Details
BEST CREDIT CARD FOR GOOD CREDIT WITH BONUS CASH REWARDS
4.0WalletHub Rating
WalletHub Rating
4.0
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated the card for various cardholder needs and picked the rating for the need most relevant to this page ("Earn Rewards"). The rating for this card may vary on other pages where a different need is used. A rating of 5 is the best a card can receive.
Editor’s Rating
4.7
User Reviews
3.9
Market Comparison
3.9
fees: 2.1
rewards: 4.3
cost: 4.6
Other Features: 0.0
Purchase intro APR
0% for 12 months
Transfer intro APR
0% for 12 months
Transfer Fee: 3% (min $5)
Regular APR
19.24% - 29.99% (V)
Annual Fee
$0 intro 1st yr, $95 after
Rewards Rate
1 - 6% Cash Back
Bonus Offer
$250
Accepted Credit
Excellent, Good
Purchase intro APR
0% for 12 months
Transfer intro APR
0% for 12 months
Transfer Fee: 3% (min $5)
Regular APR
19.24% - 29.99% (V)
Annual Fee
$0 intro 1st yr, $95 after
Rewards Rate
1 - 6% Cash Back
Bonus Offer
$250
Accepted Credit
Excellent, Good
Editors’ Thoughts
Why We Like It: The Blue Cash Preferred® Card from American Express is an excellent rewards card for people with good credit, particularly moderate-to-heavy spenders. It has a really attractive combination of rewards, along with a low introductory APR.
More specifically, the Blue Cash Preferred® Card from American Express comes with a nice welcome offer: $250 statement credit for spending $3,000 in the first 6 months. You can also earn 6% cash back at U.S. supermarkets (up to $6,000 spent per year), 6% back on select U.S. streaming subscriptions, 3% back at U.S. gas stations and on transit, and 1% back on all other purchases, received as rewards dollars (which can be redeemed as a statement credit or at Amazon.com checkout).
In addition to elite rewards, you can take advantage of a useful interest-free promotion – 0% for 12 months on new purchases and balance transfers – and you won’t even have to pay an annual fee the first year.
What We Don’t Like:The card has a $95 annual fee from the second year on, and its regular APR is 19.24% - 29.99% (V). There’s also a balance transfer fee of 3% (min $5) to keep in mind.
Who Should Get It: Apply for Blue Cash Preferred if you plan to charge at least $1,600 to $9,500 per year and avoid interest. If you do that, you will save money with this card.
Pros, Cons & More Details
Pros
- $250 statement credit initial bonus offer
- Low intro APR on purchases and balance transfers
- High rewards rate
Cons
- Annual fee starting second year
- Above-average regular APR
- 2.7% foreign-transaction fee
Rewards Details
- Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
- 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
- 6% Cash Back on select U.S. streaming subscriptions.
- 3% Cash Back at U.S. gas stations.
- 3% Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
- 1% Cash Back on other purchases.
- Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
- Get up to $120 in statement credits annually when you pay for an auto-renewing subscription to Equinox+ at equinoxplus.com with your Blue Cash Preferred® Card. That’s $10 in statement credits each month. Enrollment required.
- Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Preferred® Card. Enrollment required.
- Terms Apply.
Interest Rate Breakdown
| Balance | APY |
|---|
Additional Info
- $0 intro annual fee for the first year, then $95.
- Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
- Low Intro APR: 0% on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.24% - 29.99%. Variable APRs will not exceed 29.99%.
- More Details & Reviews About Blue Cash Preferred® Card from American Express
Pros, Cons & Details
BEST TRAVEL REWARDS CREDIT CARDS
BEST TRAVEL CREDIT CARD FOR GOOD CREDIT
4.6WalletHub Rating
WalletHub Rating
4.6
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated the card for various cardholder needs and picked the rating for the need most relevant to this page ("Earn Rewards"). The rating for this card may vary on other pages where a different need is used. A rating of 5 is the best a card can receive.
Editor’s Rating
5.0
User Reviews
3.9
Market Comparison
4.6
fees: 2.9
rewards: 4.8
cost: 5.0
Other Features: 5.0
Regular APR
21.49% - 28.49% (V)
Annual Fee
$95
Rewards Rate
1 - 5 points / $1
Bonus Offer
60,000 points
Accepted Credit
Excellent, Good
Regular APR
21.49% - 28.49% (V)
Annual Fee
$95
Rewards Rate
1 - 5 points / $1
Bonus Offer
60,000 points
Accepted Credit
Excellent, Good
Editors’ Thoughts
Why We Like It: The Chase Sapphire Preferred® Card is the best credit card for good credit because it offers an initial bonus of 60,000 bonus points for spending $4,000 in the first 3 months. That can get you $750 in travel if you book through Chase Travel. You’ll also get 5 points per $1 spent on travel purchased through Chase, 2 points per $1 on all other travel purchases, 3 points per $1 on dining and online grocery purchases, 3 points per $1 on select streaming services, and 1 point per $1 on all other purchases.
What We Don’t Like: Chase Sapphire Preferred has a $95 annual fee and a high APR.
Who Should Get It: Apply for Chase Sapphire Preferred if you have good credit or better, you can comfortably qualify for the initial bonus, and you plan to travel frequently as well as pay the bill in full monthly. That way, you can benefit from the bonus rewards without having to pay interest charges.
Pros, Cons & More Details
Pros
- 60,000 points - initial bonus
- Up to 6.25% back when redeeming for travel
- No foreign transaction fees
Cons
- $95 Annual fee
- 1 point per $1 base earn rate
Rewards Details
- Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.
- Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
- Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
- Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
Interest Rate Breakdown
| Balance | APY |
|---|
Additional Info
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- Member FDIC
- More Details & Reviews About Chase Sapphire Preferred® Card
Pros, Cons & Details
BEST GOOD-CREDIT CREDIT CARD FOR FLEXIBLE TRAVEL REWARDS
3.9WalletHub Rating
WalletHub Rating
3.9
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated the card for various cardholder needs and picked the rating for the need most relevant to this page ("Earn Travel Rewards"). The rating for this card may vary on other pages where a different need is used. A rating of 5 is the best a card can receive.
Editor’s Rating
5.0
User Reviews
3.8
Market Comparison
3.7
fees: 3.3
rewards: 4.0
cost: 3.8
Other Features: 0.0
Regular APR
19.99% - 29.99% (V)
Annual Fee
$95
Rewards Rate
2 - 5 miles / $1
Bonus Offer
75,000 miles
Accepted Credit
Excellent, Good
Regular APR
19.99% - 29.99% (V)
Annual Fee
$95
Rewards Rate
2 - 5 miles / $1
Bonus Offer
75,000 miles
Accepted Credit
Excellent, Good
Editors’ Thoughts
Why We Like It: The Capital One Venture Rewards Credit Card offers 2 - 5 miles per $1 spent on purchases. You can also get is a bonus of 75,000 miles (worth $750 in travel) for spending $4,000 in the first 3 months of account opening. Plus, you can use your miles to book travel accommodations or pay for any travel-related expenses from the past 90 days.
What We Don’t Like: There is an annual fee of $95, and the regular APR could be anywhere from 19.99% to 29.99% (V), depending on your overall creditworthiness when you apply.
Who Should Get It: Apply for Capital One Venture if you travel often but not always with the same airline or hotel chain.
Pros, Cons & More Details
Pros
- 75,000 miles initial bonus
- Unlimited 2 miles per $1 on every purchase
- Redeem for any-travel related expense
- $0 foreign transaction fee
Cons
- Terrible cash back redemption rate
- Not built for financing
Rewards Details
- Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
- Earn unlimited 2X miles on every purchase, every day
- Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
- Miles won't expire for the life of the account and there's no limit to how many you can earn
- Receive up to a $100 credit for Global Entry or TSA PreCheck®
- Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
- Enrich every hotel stay from the Lifestyle Collection with a suite of cardholder benefits, like a $50 experience credit, room upgrades, and more
- Transfer your miles to your choice of 15+ travel loyalty programs
Interest Rate Breakdown
| Balance | APY |
|---|
Pros, Cons & Details
BEST GOOD-CREDIT CREDIT CARD FOR AN INITIAL BONUS
3.7WalletHub Rating
WalletHub Rating
3.7
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated the card for various cardholder needs and picked the rating for the need most relevant to this page ("Earn Travel Rewards"). The rating for this card may vary on other pages where a different need is used. A rating of 5 is the best a card can receive.
Editor’s Rating
4.6
User Reviews
3.9
Market Comparison
3.6
fees: 3.3
rewards: 3.9
cost: 3.7
Other Features: 0.0
Regular APR
21.24% - 29.24% (V)
Annual Fee
$95
Rewards Rate
1 - 3 points / $1
Bonus Offer
60,000 points
Accepted Credit
Excellent, Good
Regular APR
21.24% - 29.24% (V)
Annual Fee
$95
Rewards Rate
1 - 3 points / $1
Bonus Offer
60,000 points
Accepted Credit
Excellent, Good
Editors’ Thoughts
Why We Like It: The Citi Premier® Card offers one of the best initial bonuses on the market right now, giving 60,000 points for spending $4,000 in the first 3 months. You can also earn a total of 10 points per $1 spent on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel portal through June 30, 2024, 3 points per $1 spent at restaurants, supermarkets and gas stations, 3 points per $1 on air travel and hotels, and 1 point per $1 on all other purchases.
What We Don’t Like: The Citi Premier® Card has an annual fee of $95 and a high APR. Fortunately, you can avoid interest charges by paying your full statement balance by the due date each month, and the annual fee will prove to be a good investment if you use the card responsibly.
Who Should Get It: Apply for the Citi Premier® Card if you have good credit or better and you can spend enough to earn the card’s initial bonus.
Pros, Cons & More Details
Pros
- 60,000 points initial bonus
- 3 points per $1 spent on travel, gas, dining and at supermarkets (1 point per $1 on everything else)
- No foreign-transaction fees
Cons
- $95 annual fee
- No 0% intro rates
- High regular APR
Rewards Details
- Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening. Plus, for a limited time, earn a total of 10 ThankYou® Points per $1 spent on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel℠ portal through June 30, 2024.
- Earn 3 Points per $1 spent at Gas Stations, Air Travel and Other Hotels
- Earn 3 Points per $1 spent at Restaurants and Supermarkets
- Earn 1 Point per $1 spent on all other purchases
- Annual Hotel Savings Benefit
- 60,000 ThankYou® Points are redeemable for $600 in gift cards or travel rewards at thankyou.com
- No expiration and no limit to the amount of points you can earn with this card
Interest Rate Breakdown
| Balance | APY |
|---|
Additional Info
- No Foreign Transaction Fees on purchases
- More Details & Reviews About Citi Premier® Card
Pros, Cons & Details
Rewards Bonus
Best Credit Card for Good Credit
4.6WalletHub Rating
WalletHub Rating
4.6
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated the card for various cardholder needs and picked the rating for the need most relevant to this page ("Earn Rewards"). The rating for this card may vary on other pages where a different need is used. A rating of 5 is the best a card can receive.
Editor’s Rating
5.0
User Reviews
3.9
Market Comparison
4.6
fees: 2.9
rewards: 4.8
cost: 5.0
Other Features: 5.0
Regular APR
21.49% - 28.49% (V)
Annual Fee
$95
Rewards Rate
1 - 5 points / $1
Bonus Offer
60,000 points
Accepted Credit
Excellent, Good
Regular APR
21.49% - 28.49% (V)
Annual Fee
$95
Rewards Rate
1 - 5 points / $1
Bonus Offer
60,000 points
Accepted Credit
Excellent, Good
Editors’ Thoughts
Why We Like It: The Chase Sapphire Preferred® Card is the best credit card for good credit because it offers an initial bonus of 60,000 bonus points for spending $4,000 in the first 3 months. That can get you $750 in travel if you book through Chase Travel. You’ll also get 5 points per $1 spent on travel purchased through Chase, 2 points per $1 on all other travel purchases, 3 points per $1 on dining and online grocery purchases, 3 points per $1 on select streaming services, and 1 point per $1 on all other purchases.
What We Don’t Like: Chase Sapphire Preferred has a $95 annual fee and a high APR.
Who Should Get It: Apply for Chase Sapphire Preferred if you have good credit or better, you can comfortably qualify for the initial bonus, and you plan to travel frequently as well as pay the bill in full monthly. That way, you can benefit from the bonus rewards without having to pay interest charges.
Pros
- 60,000 points - initial bonus
- Up to 6.25% back when redeeming for travel
- No foreign transaction fees
Cons
- $95 Annual fee
- 1 point per $1 base earn rate
Rewards Details
- Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.
- Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
- Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
- Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
Interest Rate Breakdown
| Balance | APY |
|---|
Additional Info
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- Member FDIC
- More Details & Reviews About Chase Sapphire Preferred® Card
Pros, Cons & Details
Best Credit Card for Good Credit for Initial Bonus
3.7WalletHub Rating
WalletHub Rating
3.7
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated the card for various cardholder needs and picked the rating for the need most relevant to this page ("Earn Travel Rewards"). The rating for this card may vary on other pages where a different need is used. A rating of 5 is the best a card can receive.
Editor’s Rating
4.6
User Reviews
3.9
Market Comparison
3.6
fees: 3.3
rewards: 3.9
cost: 3.7
Other Features: 0.0
Regular APR
21.24% - 29.24% (V)
Annual Fee
$95
Rewards Rate
1 - 3 points / $1
Bonus Offer
60,000 points
Accepted Credit
Excellent, Good
Regular APR
21.24% - 29.24% (V)
Annual Fee
$95
Rewards Rate
1 - 3 points / $1
Bonus Offer
60,000 points
Accepted Credit
Excellent, Good
Editors’ Thoughts
Why We Like It: The Citi Premier® Card offers one of the best initial bonuses on the market right now, giving 60,000 points for spending $4,000 in the first 3 months. You can also earn a total of 10 points per $1 spent on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel portal through June 30, 2024, 3 points per $1 spent at restaurants, supermarkets and gas stations, 3 points per $1 on air travel and hotels, and 1 point per $1 on all other purchases.
What We Don’t Like: The Citi Premier® Card has an annual fee of $95 and a high APR. Fortunately, you can avoid interest charges by paying your full statement balance by the due date each month, and the annual fee will prove to be a good investment if you use the card responsibly.
Who Should Get It: Apply for the Citi Premier® Card if you have good credit or better and you can spend enough to earn the card’s initial bonus.
Pros, Cons & More Details
Pros
- 60,000 points initial bonus
- 3 points per $1 spent on travel, gas, dining and at supermarkets (1 point per $1 on everything else)
- No foreign-transaction fees
Cons
- $95 annual fee
- No 0% intro rates
- High regular APR
Rewards Details
- Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening. Plus, for a limited time, earn a total of 10 ThankYou® Points per $1 spent on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel℠ portal through June 30, 2024.
- Earn 3 Points per $1 spent at Gas Stations, Air Travel and Other Hotels
- Earn 3 Points per $1 spent at Restaurants and Supermarkets
- Earn 1 Point per $1 spent on all other purchases
- Annual Hotel Savings Benefit
- 60,000 ThankYou® Points are redeemable for $600 in gift cards or travel rewards at thankyou.com
- No expiration and no limit to the amount of points you can earn with this card
Interest Rate Breakdown
| Balance | APY |
|---|
Additional Info
- No Foreign Transaction Fees on purchases
- More Details & Reviews About Citi Premier® Card
Pros, Cons & Details
Best Credit Card for Good Credit with Bonus Rewards
4.0WalletHub Rating
WalletHub Rating
4.0
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated the card for various cardholder needs and picked the rating for the need most relevant to this page ("Earn Rewards"). The rating for this card may vary on other pages where a different need is used. A rating of 5 is the best a card can receive.
Editor’s Rating
4.7
User Reviews
3.9
Market Comparison
3.9
fees: 2.1
rewards: 4.3
cost: 4.6
Other Features: 0.0
Terms Apply|
Purchase intro APR
0% for 12 months
Transfer intro APR
0% for 12 months
Transfer Fee: 3% (min $5)
Regular APR
19.24% - 29.99% (V)
Annual Fee
$0 intro 1st yr, $95 after
Rewards Rate
1 - 6% Cash Back
Bonus Offer
$250
Accepted Credit
Excellent, Good
Purchase intro APR
0% for 12 months
Transfer intro APR
0% for 12 months
Transfer Fee: 3% (min $5)
Regular APR
19.24% - 29.99% (V)
Annual Fee
$0 intro 1st yr, $95 after
Rewards Rate
1 - 6% Cash Back
Bonus Offer
$250
Accepted Credit
Excellent, Good
Editors’ Thoughts
Why We Like It: The Blue Cash Preferred® Card from American Express is an excellent rewards card for people with good credit, particularly moderate-to-heavy spenders. It has a really attractive combination of rewards, along with a low introductory APR.
More specifically, the Blue Cash Preferred® Card from American Express comes with a nice welcome offer: $250 statement credit for spending $3,000 in the first 6 months. You can also earn 6% cash back at U.S. supermarkets (up to $6,000 spent per year), 6% back on select U.S. streaming subscriptions, 3% back at U.S. gas stations and on transit, and 1% back on all other purchases, received as rewards dollars (which can be redeemed as a statement credit or at Amazon.com checkout).
In addition to elite rewards, you can take advantage of a useful interest-free promotion – 0% for 12 months on new purchases and balance transfers – and you won’t even have to pay an annual fee the first year.
What We Don’t Like:The card has a $95 annual fee from the second year on, and its regular APR is 19.24% - 29.99% (V). There’s also a balance transfer fee of 3% (min $5) to keep in mind.
Who Should Get It: Apply for Blue Cash Preferred if you plan to charge at least $1,600 to $9,500 per year and avoid interest. If you do that, you will save money with this card.
Pros, Cons & More Details
Pros
- $250 statement credit initial bonus offer
- Low intro APR on purchases and balance transfers
- High rewards rate
Cons
- Annual fee starting second year
- Above-average regular APR
- 2.7% foreign-transaction fee
Rewards Details
- Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
- 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
- 6% Cash Back on select U.S. streaming subscriptions.
- 3% Cash Back at U.S. gas stations.
- 3% Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
- 1% Cash Back on other purchases.
- Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
- Get up to $120 in statement credits annually when you pay for an auto-renewing subscription to Equinox+ at equinoxplus.com with your Blue Cash Preferred® Card. That’s $10 in statement credits each month. Enrollment required.
- Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Preferred® Card. Enrollment required.
- Terms Apply.
Interest Rate Breakdown
| Balance | APY |
|---|
Additional Info
- $0 intro annual fee for the first year, then $95.
- Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
- Low Intro APR: 0% on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.24% - 29.99%. Variable APRs will not exceed 29.99%.
- More Details & Reviews About Blue Cash Preferred® Card from American Express
Pros, Cons & Details
BEST 0% CREDIT CARD
Best 0% Credit Card for Good Credit
4.2WalletHub Rating
WalletHub Rating
4.2
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated the card for various cardholder needs and picked the rating for the need most relevant to this page ("Finance New Purchases"). The rating for this card may vary on other pages where a different need is used. A rating of 5 is the best a card can receive.
Editor’s Rating
4.8
User Reviews
3.2
Market Comparison
4.2
fees: 4.0
rewards: 0.0
cost: 4.0
APR: 5.0
Purchase intro APR
0% for 21 months from account opening
Transfer intro APR
0% for 21 months from account opening on qualifying balance transfers
Transfer Fee: 5% (min $5)
Regular APR
18.24% - 29.99% Variable
Annual Fee
$0
Accepted Credit
Excellent, Good
Purchase intro APR
0% for 21 months from account opening
Transfer intro APR
0% for 21 months from account opening on qualifying balance transfers
Transfer Fee: 5% (min $5)
Regular APR
18.24% - 29.99% Variable
Annual Fee
$0
Accepted Credit
Excellent, Good
Editors’ Thoughts
Why We Like It: The Wells Fargo Reflect® Card is the best 0% credit card for good credit because it offers an intro APR of 0% for 21 months from account opening on new purchases and qualifying balance transfers.It also has a $0 annual fee.
What We Don’t Like: The card’s regular APR is 18.24% - 29.99% Variable and its balance transfer fee is 5% (min $5). Wells Fargo Reflect still could save you a lot of money, though, as long as you pay off most (if not all) of your balance by the time the regular APR takes effect.
Who Should Get It: Consider applying for Wells Fargo Reflect if you want to avoid interest charges for a long time.
Pros, Cons & More Details
Pros
- No membership fees
- 0% intro APR on purchases
- 0% intro APR on qualifying balance transfers
- Reports to the three major credit bureaus
Cons
- No rewards
- No initial rewards bonus
- Balance transfer fee
- High regular APR
Rewards Details
Interest Rate Breakdown
| Balance | APY |
|---|
Additional Info
- Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
- 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 18.24%, 24.74%, or 29.99% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min $5.
- $0 Annual Fee.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
- Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants. It's an easy way to earn cash back as an account credit when you shop, dine, or enjoy an experience simply by using an eligible Wells Fargo credit card.
- More Details & Reviews About Wells Fargo Reflect® Card
Pros, Cons & Details
BEST BALANCE TRANSFER CREDIT CARD
Best 0% Credit Card for Good Credit
4.2WalletHub Rating
WalletHub Rating
4.2
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated the card for various cardholder needs and picked the rating for the need most relevant to this page ("Finance New Purchases"). The rating for this card may vary on other pages where a different need is used. A rating of 5 is the best a card can receive.
Editor’s Rating
4.8
User Reviews
3.2
Market Comparison
4.2
fees: 4.0
rewards: 0.0
cost: 4.0
APR: 5.0
Purchase intro APR
0% for 21 months from account opening
Transfer intro APR
0% for 21 months from account opening on qualifying balance transfers
Transfer Fee: 5% (min $5)
Regular APR
18.24% - 29.99% Variable
Annual Fee
$0
Accepted Credit
Excellent, Good
Purchase intro APR
0% for 21 months from account opening
Transfer intro APR
0% for 21 months from account opening on qualifying balance transfers
Transfer Fee: 5% (min $5)
Regular APR
18.24% - 29.99% Variable
Annual Fee
$0
Accepted Credit
Excellent, Good
Editors’ Thoughts
Why We Like It: The Wells Fargo Reflect® Card is the best 0% credit card for good credit because it offers an intro APR of 0% for 21 months from account opening on new purchases and qualifying balance transfers.It also has a $0 annual fee.
What We Don’t Like: The card’s regular APR is 18.24% - 29.99% Variable and its balance transfer fee is 5% (min $5). Wells Fargo Reflect still could save you a lot of money, though, as long as you pay off most (if not all) of your balance by the time the regular APR takes effect.
Who Should Get It: Consider applying for Wells Fargo Reflect if you want to avoid interest charges for a long time.
Pros, Cons & More Details
Pros
- No membership fees
- 0% intro APR on purchases
- 0% intro APR on qualifying balance transfers
- Reports to the three major credit bureaus
Cons
- No rewards
- No initial rewards bonus
- Balance transfer fee
- High regular APR
Rewards Details
Interest Rate Breakdown
| Balance | APY |
|---|
Additional Info
- Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
- 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 18.24%, 24.74%, or 29.99% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min $5.
- $0 Annual Fee.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
- Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants. It's an easy way to earn cash back as an account credit when you shop, dine, or enjoy an experience simply by using an eligible Wells Fargo credit card.
- More Details & Reviews About Wells Fargo Reflect® Card
Pros, Cons & Details
BEST BALANCE TRANSFER CREDIT CARD FOR GOOD CREDIT
4.7WalletHub Rating
WalletHub Rating
4.7
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated the card for various cardholder needs and picked the rating for the need most relevant to this page ("Lower Cost of Existing Debt"). The rating for this card may vary on other pages where a different need is used. A rating of 5 is the best a card can receive.
Editor’s Rating
3.7
User Reviews
3.7
Market Comparison
5.0
fees: 5.0
cost: 5.0
APR: 5.0
Purchase intro APR
0% for 12 months
Transfer intro APR
0% for 21 months
Transfer Fee: 3% intro fee ($5 min) for each transfer in first 4 months, and 5% ($5 min) for each transfer after that
Regular APR
19.24% - 29.99% (V)
Annual Fee
$0
Accepted Credit
Excellent, Good
Purchase intro APR
0% for 12 months
Transfer intro APR
0% for 21 months
Transfer Fee: 3% intro fee ($5 min) for each transfer in first 4 months, and 5% ($5 min) for each transfer after that
Regular APR
19.24% - 29.99% (V)
Annual Fee
$0
Accepted Credit
Excellent, Good
Editors’ Thoughts
Why We Like It: The Citi Simplicity® Card is the best balance transfer credit card for good credit because it offers 0% for 21 months on transfers made within 4 months of opening an account.That’s way longer than average. This card also has a $0 annual fee.
What We Don’t Like: The card’s regular APR is 19.24% - 29.99% (V) and its balance transfer fee is 3% intro fee ($5 min) for each transfer in first 4 months, and 5% ($5 min) for each transfer after that.
Who Should Get It: Consider applying for the Citi Simplicity Card if you have a 700+ credit score and you want to reduce the cost of existing debt and reach debt freedom faster.
Pros, Cons & More Details
Pros
- 0% intro rate on balance transfers for 21 months
- 0% intro rate on new purchases for 12 months
- No annual fee
Cons
- Balance transfer fee
- High regular APR
- No rewards
Rewards Details
Interest Rate Breakdown
| Balance | APY |
|---|
Additional Info
- The Citi Simplicity® Card is no longer available through WalletHub.com but may be available on the Citi website. Info about the card has been collected by us, the financial institution did not provide the details.
- No Late Fees, No Penalty Rate, and No Annual Fee... Ever
- 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 19.24% - 29.99%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
- There is an introductory balance transfer fee of $5 or 3% of the amount of the transfer, whichever is greater for balances transfers completed within 4 months of account opening.
- Stay protected with Citi® Quick Lock
- More Details & Reviews About Citi Simplicity® Card
Pros, Cons & Details
BEST CREDIT CARD FOR BUSINESS
BEST BUSINESS CREDIT CARD FOR GOOD CREDIT
4.2WalletHub Rating
WalletHub Rating
4.2
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated the card for various cardholder needs and picked the rating for the need most relevant to this page ("Business - Earn Rewards"). The rating for this card may vary on other pages where a different need is used. A rating of 5 is the best a card can receive.
Editor’s Rating
4.8
Market Comparison
4.1
fees: 2.9
rewards: 4.7
cost: 4.5
Other Features: 0.0
Regular APR
Flex for Business APR: 19.49% - 27.49% (V)
Annual Fee
$195
Rewards Rate
2 - 5% Cash Back
Bonus Offer
$1,000
Accepted Credit
Excellent, Good
Regular APR
Flex for Business APR: 19.49% - 27.49% (V)
Annual Fee
$195
Rewards Rate
2 - 5% Cash Back
Bonus Offer
$1,000
Accepted Credit
Excellent, Good
Editors’ Thoughts
Why We Like It: The Ink Business Premier® Credit Card is the best business credit card for good credit. It offers an initial bonus of $1,000 for spending $10,000 in the first 3 months, plus good ongoing rewards. You can get 5% cash back on travel through Chase, 2.5% back on every purchase totaling at least $5,000, as well as 2% back on all other purchases.
What We Don’t Like: The Ink Business Premier® Credit Card has a $195 annual fee and high APR.
Who Should Get It: Consider applying for the Ink Business Premier® Credit Card if you have good credit and you want an attractive rewards rate no matter what you buy.
Pros, Cons & More Details
Pros
- High rewards rate
- $1,000 initial rewards bonus
- No foreign fee
Cons
- High membership fees
- Requires good/excellent credit
Rewards Details
- Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.
- Earn unlimited 2.5% total cash back on purchases of $5,000 or more and unlimited 2% cash back on all other business purchases.
- Travel Benefits: Unlimited 5% total cash back on travel purchased through Chase Travel℠, No Foreign Transaction Fees and Trip Cancellation/Trip Interruption Insurance.
- The only business credit card with 2.5% cash back on every purchase of $5,000 or more.
Interest Rate Breakdown
| Balance | APY |
|---|
Additional Info
- Get the buying power you need to make large purchases, cover monthly expenses and help your business grow. While you must pay your Pay In Full balance each month, this card has built-in flexibility. The Flex for Business feature allows for qualifying purchases to be paid over time with interest.
- Purchase with confidence with built-in protections like Fraud Protection, Zero Liability Protection, Purchase Protection, Cell Phone Protection, and Extended Warranty Protection.
- There's no additional cost for employee cards. Monitor spend with digital tools like purchase alerts, set spending limits, reporting, and more.
- Member FDIC
- More Details & Reviews About Ink Business Premier® Credit Card
Pros, Cons & Details
WalletHub's Research
405
Research Hours
155
Companies Reviewed
1,620
Cards Reviewed
- Our picks
- How we picked the best credit cards for good credit
- Tips for choosing a credit card for good credit
- Beginner’s guide to credit cards for good credit
- Sources
- About the author
- User questions & answers
- Expert opinions
Our Picks for the Best Credit Cards for Good Credit
At the end of the day, finding the best credit card for good credit is both easy and hard at the same time. On the one hand, the best credit cards for people with good credit are pretty much the best credit cards overall. So you almost have your pick of any card that catches your eye. But all the options can make it tough to choose, considering how many good deals are available. That’s why WalletHub’s editors compared 1,500+ offers and picked the best credit cards for good credit in different categories.
Side-by-Side Comparison of the Best Credit Cards for Good Credit
| Credit Card | Best For | Rating |
| Chase Sapphire Preferred® Card | Overall | 5/5 |
| Capital One Venture Rewards Credit Card | Travel Rewards | 5/5 |
| Wells Fargo Active Cash® Card | Cash Back | 5/5 |
| Wells Fargo Reflect® Card | Long Intro APR | 4.8/5 |
| Ink Business Premier® Credit Card | Business | 4.8/5 |
Good credit is great, and it will save you hundreds of dollars per year relative to bad credit. But it’s not excellent. So make sure to use your new credit card responsibly, and pretty soon you’ll be able to enjoy excellent credit, Top WalletFitness and the serious savings that come along with them. Sign up for a free WalletHub account to track your progress and get personalized tips that should help along the way.
Picks by Credit Score
- Best credit cards for 700 credit score
- Best credit cards for 710 credit score
- Best credit cards for 720 credit score
- Best credit cards for 730 credit score
- Best credit cards for 740 credit score
How We Picked the Best Credit Cards for Good Credit
In order to identify the best credit cards for people with good credit, WalletHub’s editors compare all of the cards for which people with good credit scores are eligible from our database of 1,500+ credit card offers. After excluding cards not suitable for people with credit scores ranging from 700 to 749, we evaluate how much each card is likely to save the average person over the course of multiple years.
In doing so we consider the cards’ rewards, interest rates, fees, secondary benefits, specific approval requirements and other key WalletHub Rating components. Furthermore, in light of the varied needs of credit card shoppers with good credit scores, we select the best cards in a range of popular categories, from initial bonuses and everyday rewards to cards with no annual fee or no interest for a long introductory period. In any case, our aim is to maximize your savings.
How Two-Year Cost Is Calculated
Two-year cost is used to approximate the monetary value of cards for better comparison and is calculated by combining annual and monthly membership fees over two years, adding any one-time fees or other fees (like balance transfer fees), adding any interest costs, and subtracting rewards. Negative amounts indicate savings. When fees or other terms are presented as a range, we use the midpoint for scoring purposes.
Rewards bonuses and credits have been taken into account for two-year cost calculations. However, bonuses applicable to only a very small portion of cardholders are not considered. For example, credits and bonuses awarded for spending or redeeming rewards through a company portal with non-co-branded cards have not been taken into account. Similarly, bonuses and credits related to spending with specific merchants using a non-co-branded card have not been taken into account (for example, if Card A offers credits with DoorDash, this feature would not be factored into calculations because it is hard to assess how many cardholders would use the benefit or exactly how much value they'd get from it).
Cardholder Spending Profiles
Given that different users have different goals and are likely to use their credit cards differently, we identified spending profiles that are representative of different users’ financial priorities and behaviors. For each cardholder type, we have assumed a specific amount of monthly spending by purchase type (e.g., groceries, gas, etc.), as well as an average balance, balance transfer amount, amount spent on large purchases and average monthly payment. Spending assumptions are based on Bureau of Labor Statistics data for consumers and PEX data for businesses.
Sources
WalletHub actively maintains a database of 1,500+ credit card offers, from which we select the best credit cards for good credit for different applicants as well as derive market-wide takeaways and trends. The underlying data is compiled from credit card company websites or provided directly by the credit card issuers. We also leverage data from the Bureau of Labor Statistics to develop cardholder profiles, used to estimate cards’ potential savings.
Beginner’s Guide to Credit Cards for Good Credit
What Is Good Credit?
Good credit is a credit score of 700 - 749. A score in this range indicates that you are a responsible borrower, and it should qualify you for most loans and lines of credit. If you continue to manage your financial obligations responsibly and pay the bills on time, you should ultimately graduate to an excellent credit score of 750+.
You can use our free credit score simulator to see how long it will take you to reach the next credit score tier. You can also learn more from our guide to good credit.
Why Is It Important to Have a Good Credit Score?
Having a good credit score is important because it can save you a lot of money and create new opportunities in your life. Good credit can save you hundreds, or even thousands, of dollars per year on your mortgage, auto loan, credit cards and car insurance. Having a good credit history also makes it easier to rent an apartment, land certain jobs, or even find a spouse.
Learn more about why good credit is important.
How to Get a Good Credit Score
To get a good credit score, you need to consistently add positive information to your credit report for a few years. The easiest way to do this is to open a credit card account and manage it responsibly. Below, you can see the basic steps that you should take.
- Get a Low-Cost Credit Card.
You can get approved for a credit card even if you have bad credit or no credit history. You just need to choose the right card. The best credit cards for building credit tend to have easy-to-satisfy approval requirements and $0 annual fees. Not having to pay an annual fee allows you to keep your account open for longer than you might otherwise, and you won’t feel pressured to make a lot of purchases just to get your money’s worth.
- Pay Your Bills on Time Every Month.
Payment history affects your credit score more than anything else. Paying your credit card bills on time every month will gradually carry you to good credit, assuming negative information isn’t reported about other types of bills being delinquent.
- Keep Your Credit Utilization Low.
Using less than 30% of your credit limit is good for your credit score, and utilization below 10% is best. Your credit utilization is calculated using the balance listed on your monthly account statement and your credit limit, and it’s calculated for each credit card individually as well as for all of them together.
If you’re close to good credit, reducing your credit utilization is a quick and easy way to get over the hump. On that note, it’s worth pointing out that you don’t actually need to make purchases with your credit card to improve your credit score. As long as you pay any membership fees your card charges, you’ll get credit month after month for your account being in good standing.
Review Your Progress and Adjust as Needed.Keeping track of what shows up on your credit report and how your credit score reacts can teach you a lot. It also gives you the opportunity to spot any errors or signs of fraud. Similarly, reviewing your monthly credit card statements allows you to dispute any unauthorized charges and avoid paying for them.
Finally, you should stay patient. Building a good credit score doesn’t happen overnight. For more information, check out our guide on how to get good credit.
How Long Does It Take to Get a Good Credit Score?
It usually takes a few years to build a consistently good credit score from scratch. If you have fair credit, on the other hand, you could reach good credit in a matter of days or months, depending on your exact score, the status of your credit accounts, and when your creditors report to the credit bureaus.
A lot ultimately depends on the specifics of your situation. You can get a personalized answer to this question using our free credit score simulator.
How to Keep a Good Credit Score
To keep a good credit score, you just need to keep up the activities that got you to good credit in the first place. Most importantly, you need to continue paying your bills on time, and you should avoid increasing your credit utilization. Similarly, be careful about applying for new loans and lines of credit if maintaining a good credit score is your top priority. Applying for new credit will cause your credit score to drop temporarily.
If you want to learn how to not only maintain a good credit score but actually improve to excellent credit and chase a perfect credit score, check out the Credit Analysis portion of your free WalletHub account.
Are Credit Cards for Good Credit Worth It?
Credit cards for good credit are worth it if you have a credit score of 700 or higher. Such a score will give you high odds of approval for a credit card that requires good credit at a minimum, and even people with excellent credit should consider the best of these offers.
Many of the best credit cards on the market right now are available to people with good or excellent credit. These cards can save the average person more than $1,500 over the first two years of use, according to WalletHub’s calculations.
For more information, check out our breakdown of the pros and cons of credit cards.
Tips for Choosing the Best Credit Card for Good Credit
- Double-Check Your Credit Score.
If you think you have good credit but haven’t checked your score for a while, you can see your latest score on WalletHub. Knowing exactly where you stand will make it easier to determine which credit card offers are worth comparing.
- Decide Whether to Focus on Rewards or Low Rates.
Credit cards that excel in both areas are fairly rare, so it’s best to choose between one or the other. You should focus on rewards if you plan to use the card for everyday expenses and pay the bill in full every month. If you want to do a balance transfer or finance big-ticket purchases, comparing cards’ interest rates and relevant fees makes more sense. You can always get an everyday rewards card for other purchases later.
- Compare Lots of Offers.
You can use the filters on this page to narrow down your options. You can also check out WalletHub’s editors’ picks for the best cash back, travel rewards, and 0% APR credit card offers, and use those recommendations as a starting point. Plus, you can read thousands of credit card reviews on WalletHub.
- Estimate Your Potential Savings.
It can be hard to compare credit card rewards given that some cards offer points or miles while others offer cash back. Plus, some cards charge annual fees while others don’t. The best approach is to convert everything to dollars and, ultimately, expected savings.
In other words, estimate how much you’ll spend in a year, calculate how many points or miles that will earn you with each card, and then multiply the sum by the card’s average point/mile value. If a card issuer does not list point/mile values, you should be able to find that information on WalletHub. You can then subtract any fees from your expected rewards savings in order to compare offers based on total expected savings.Things are a bit easier with interest rates. You can just use WalletHub’s credit card payoff calculator or balance transfer calculator to plan out your monthly payments and see which cards will save you the most money.
- Take Advantage of the Best Deals While They Last.
People with good credit have a good shot at qualifying for the best credit cards on the market. That includes limited-time promotions involving big initial bonuses and 0% introductory APRs. You might think these sorts of deals are always available, but they often become less attractive and harder to get during economic downturns. As a result, you shouldn’t wait too long if you find an offer that appeals to you. As long as you don’t expect to apply for a mortgage or auto loan in the near future, the slight hit to your credit from a new credit card application shouldn’t cost you.
If you’re still not sure how to proceed, try WalletHub’s CardAdvisor tool. Just answer a few simple questions, and we’ll recommend some cards that fit your needs. Alternatively, you can get more personalized recommendations by signing up for a free WalletHub account.
About the author
John S Kiernan
John Kiernan has covered the credit card industry for more than 15 years as a writer and editor for WalletHub. His work has been featured by major media outlets such as The Washington Post, Fox News and The New York Times and has been cited by industry regulators such as the Consumer Financial Protection Bureau.
Best Credit Cards for Good Credit FAQ
Finding the best credit card can be tough. But you’ve got the knowledgeable WalletHub community on your side. We encourage everyone to share their knowledge while respecting our content guidelines. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not the financial institution’s responsibility to ensure all posts and questions are answered. WalletHub independently collected information for some of the cards on this page.
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What are the best starter credit cards?
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John Kiernan, Credit Card Editor
@John
The best credit cards for beginners will consider you despite limited or no credit experience (even if you're a student or immigrant), help you build credit with responsible use and save you money along the way. To determine the best cards to start with, we compared more than 1,500 cards using WalletHub's proprietary 100-point credit card rating system.
Based on our latest research, starter credit cards usually have a $300+ starting credit limit, no annual fees, and rewards of up to 1% cash back on purchases. Your objective in picking between these beginner credit cards should be to pay as little as possible in fees and interest. As long as you remember to pay your bill on time and in full every month, you will be able to build credit inexpensively. Also, don't feel any pressure to use the card if it causes you to overspend, as you will still be able to build credit just by keeping the card in good standing. Within a few years of responsible credit use, you should be able to qualify for one of the market’s best overall credit cards.
- Chase Freedom Rise℠: Best Overall
- Petal® 2 Visa® Credit Card: Bonus Rewards
- OpenSky® Plus Secured Visa® Credit Card: Best for Easy Approval
- Capital One SavorOne Student Cash Rewards Credit Card: Best for Students
- Montgomery Ward Credit Account: Best Beginner Store Card
- Discover it® Secured Credit Card: Best Beginner Secured Card
WalletHub's best credit card picks and ratings are completely independent and not provided, commissioned, or endorsed by any issuer. In addition, our editors follow a strict editorial policy. Some offers may come from WalletHub's advertising partners. WalletHub independently collected information forsome of the cards on this page.
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Upvotes
What are the best credit cards for a 700 credit score?
Reply
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Maria Adams, Credit Cards Moderator
@m_adams
The best credit card for a 700 credit score is the Chase Sapphire Preferred® Card. This card offers 1 - 5 points per $1 spent on purchases and an initial bonus of 60,000 bonus points for spending $4,000 in the first 3 months. The initial bonus is worth $750 in travel booked through Chase Travel, and Chase Sapphire Preferred has a $95 annual fee.
Best Credit Cards for 700 Credit Score
As you may have noticed, several credit cards for 700 credit scores don't have annual fees. So, you can pick...
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31
Upvotes
How many credit cards should you have?
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John S Kiernan, Managing Editor
@John
The average adult has around 5 credit cards, including store credit cards, but there's no golden rule for how many credit cards you should have - or how many credit cards is too many. It depends on personal preference as well as your credit standing and organizational skills.
Using more than one credit card can help you save by allowing you to get the best terms for every transaction that you make. No single credit card offers the best rewards in every purchase category, plus the lowest rates and fees. But you can achieve that effect with a collection of cards that each excel in a particular area.
Using multiple credit cards for the wrong reasons, however, can get you into big trouble. Numerous credit card applications in a short period of time can hurt your credit score, and having too many credit cards can lead to overspending, expensive interest charges, missed payments and credit score damage.
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Upvotes
What kind of credit card is good for beginners?
Reply
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Maria Adams, Credit Cards Moderator
@m_adams
The kind of credit card that is good for beginners is either an unsecured or a secured card with annual fees as low as $0 and high approval odds. It's worth noting that some of the best credit cards for beginners even offer rewards.
The card you're going to pick should also report monthly to the major credit bureaus so that you can build your credit.
Best Credit Cards for Beginners in 2024
- Capital One Platinum Credit Card (see Rates & Fees): Best card Overall
- Petal® 2 Visa® Credit Card:...
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Upvotes
What is the typical credit limit granted with a 700 credit score?
Reply
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thomas friedman, WalletHub Credit Card Analyst
@tom_friedman
It's really hard to pinpoint what credit limit you'll be granted with a credit score of 700. But since it's good credit, you maybe able to get as high as a $5,000 limit.A credit score of 750+, which is excellent credit, should put you in the $10,000 limit zone. But that's not a given. And your credit standing isn't the only factor that affects your ability to get a high credit limit.
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Upvotes
How to Build Credit in 8 Simple Steps
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John S Kiernan, Managing Editor
@John
Building credit from scratch doesn't have to be difficult. The best way to build credit is to open a credit card, preferably one with no annual fee, and use it responsibly. That means paying your bill on time every month or simply locking it in a drawer. Just having an open line of credit that is in good standing will help you build credit.
But a clean financial slate is a double-edged sword. You could shed months, or even years, off your credit-building timeline and save thousands of dollars if you make the right moves. Or you could quickly find yourself with bad credit if you act irresponsibly. Taking the following steps will help you keep your credit standing headed in the right direction.
Here's How to Build Your Credit:
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Upvotes
How do I maintain a good credit score?
Reply
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Sydney Garth, Credit Cards Moderator
@sydneygarth
In order to maintain a good credit score, it is essential to make payments on time and maintain a credit utilization below 30% (i.e. how much of your available credit you use on a monthly basis). On a credit card with a $1,000 limit, for example, it would be best to use $10 to $100 each month, and no more than $300.
In addition to these, eliminatingerrorson yourcreditreport can help improve your credit health and maintain...
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25
Upvotes
What are the 3 best credit cards to have?
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Adam McCann, Financial Writer
@adam_mcan
The 3 best credit cards to have are the Wells Fargo Active Cash® Card, the Chase Sapphire Preferred® Card, and the Wells Fargo Reflect® Card. Having these cards in your wallet gives you access to great cash back rewards, a big initial bonus, travel rewards and 0% financing.
Top 3 Credit Cards of April 2024
- Wells Fargo Active Cash® Card: Best for Cash Back
- Chase Sapphire Preferred® Card: Best Initial Bonus
- Wells Fargo Reflect® Card: Best for 0% APR
Of these three cards, the best all-around option is...
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36
Upvotes
What sets credit cards for good credit apart?
Reply
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John S Kiernan, Managing Editor
@John
The tables turn when you reach good credit. Instead of you having to prove yourself to credit card companies, they must now compete for your business. For one thing, more issuers have credit cards for people with good credit than offers for folks with fair, limited or bad credit. And they're all looking to woo trustworthy new customers who pose relatively little risk and thus have a lot of profit potential.
That's why people with...
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Upvotes
What credit card gives the highest credit score?
Reply
Theresa Chalfant, Writer
@theresa_chalfant
No credit card can guarantee a high credit score, though it's possible to build your credit using any credit card that reports to the major credit bureaus. Your score is determined based on factors such as your payment history, credit utilization, length of credit history, types of credit, and new credit inquiries.
Best Credit Cards to Build Your Credit Score
- Chase Freedom Rise℠ : Best for No Credit
- OpenSky® Plus Secured Visa® Credit Card : Best After Bankruptcy
- Capital One QuicksilverOne...
