Best Credit Cards for Good Credit
WalletHub makes it easy to find the best credit card for good credit.
Credit cards for good credit are cards that people with a credit score of 700 or higher may qualify for. According to WalletHub’s extensive database of offers, many credit cards for good credit have elite rewards, such as a $500+ initial bonus or 1.5%+ back on purchases. ... show more... show more
5 Best Credit Cards for Good Credit (May 2024)
Whether you plan to pay your bill in full or carry a balance from month to month, there are plenty of credit cards for good credit capable of saving you money. Keep reading to learn more.
FILTER CREDIT CARDS FOR GOOD CREDIT
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- 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
- $95 annual fee
- No 0% intro rates
- High regular APR
- $200 cash rewards bonus
- $0 annual fee
- 2% cash rewards on purchases
- 0% introductory APR
- High regular APR
- Foreign transaction fee
- Balance transfer fee
- No membership fees
- High rewards rate
- 20,000 points initial rewards bonus
- No foreign fee
- No intro APR
- No membership fees
- 0% intro APR on purchases
- 0% intro APR on qualifying balance transfers
- Reports to the three major credit bureaus
- No rewards
- No initial rewards bonus
- Balance transfer fee
- High regular APR
- 20,000 miles initial bonus
- Unlimited 1.25 miles per $1 on every purchase
- Miles are redeemable for any travel-related expense on your bill
- 0% intro APRs
- No annual fee
- Balance transfer fee
- Potential for a very high regular APR
- Earn $200 initial bonus
- High rewards rate
- $0 annual fee
- 0% intro APR on purchases and balance transfers
- High regular APR
- Balance transfer fee
- Requires good/excellent credit
- $200 initial bonus
- 1.5% cash back on all purchases
- No annual fee
- 0% intro APR on purchases and balance transfers
- Potential for a very high interest rate
- Balance transfer fee
- Requires good/excellent credit
- 0% intro APR for 12 months on purchases
- 0% intro APR for 21 months on balance transfers
- $0 annual fee
- 5% (min $5) balance transfer fee
- Foreign transaction fee
- High regular APR
- No rewards
- 75,000 miles initial bonus
- Unlimited 2 miles per $1 on every purchase
- Redeem for any-travel related expense
- $0 foreign transaction fee
- Terrible cash back redemption rate
- Not built for financing
- $0 annual fee
- Good welcome bonus offer
- High rewards rate
- Spending caps on rewards
- 2.7% foreign transaction fee
- Balance transfer fee
WalletHub's Research
Our picks for best credit cards for good credit in 2024
Chase Freedom Unlimited®
Why We Like It: Chase Freedom Unlimited® is the best credit card 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.
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 - at 20.49% - 29.24% (V).
Who Should Get It: Apply for Chase Freedom Unlimited® if you want a great all-around credit card and its bonus rewards suit your spending habits.
Alternatives to Consider: The Wells Fargo Active Cash® Card is another excellent option for everyday use.
Wells Fargo Active Cash® Card
Why We Like It: The Wells Fargo Active Cash® Card is the best 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.
Alternatives to Consider: Chase Freedom Unlimited® and the Citi Double Cash Card are worth a look as well.
Blue Cash Preferred® Card from American Express
Why We Like It: The Blue Cash Preferred® Card from American Express is a great all-around credit 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.
Blue Cash Preferred comes with a nice welcome offer: a $250 statement credit for spending $3,000 in the first 6 months. Cardholders also earn 6% cash back on select U.S. streaming subscriptions and 6% cash back on up to $6,000 spent per year at U.S. supermarkets. Plus, there’s a nice collection of 3% cash back categories, including U.S. gas stations and all types of transit expenses, from ridesharing to tolls. All other purchases yield 1% cash back. Cash back is paid out in the form of statement credits.
The Amex Blue Cash Preferred Card has some financing appeal for a limited time, too. It offers intro interest rates of 0% for 12 months on new purchases and balance transfers. Plus, there is a $0 introductory 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 its initial bonus offer and ongoing rewards suit your spending habits.
Alternatives to Consider: The Citi Premier® Card is another good option for bonus rewards.
Capital One Venture Rewards Credit Card
Why We Like It: The Capital One Venture Rewards Credit Card (see Rates & Fees) is the best travel credit card for good credit. It has a bonus of 75,000 miles (worth $750 in travel) for spending $4,000 in the first 3 months of account opening.
The Venture Card also gives 2 - 5 miles per $1 spent on purchases. 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).
Who Should Get It: Apply for Capital One Venture if you travel often but not always with the same airline or hotel chain.
Alternatives to Consider: The Chase Sapphire Preferred® Card and the Capital One VentureOne Rewards Credit Card are worth considering if you have good credit and like to travel.
Wells Fargo Reflect® Card
Why We Like It: The Wells Fargo Reflect® Card is the best credit card for good credit with a long intro APR. Wells Fargo Reflect offers 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).
Who Should Get It: Consider applying for Wells Fargo Reflect if you want to avoid interest charges for a long time.
Alternatives to Consider: The Wells Fargo Active Cash® Card and the Citi® Diamond Preferred® Card both offer low introductory APRs to people with 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 Freedom Unlimited® | Winner | 5/5 |
Capital One Venture Rewards Credit Card (see Rates & Fees) | Travel Rewards | 5/5 |
Wells Fargo Reflect® Card | Long Intro APR | 4.8/5 |
Blue Cash Preferred® Card from American Express | Bonus Cash Back | 4.7/5 |
Wells Fargo Active Cash® Card | Cash Back | 5/5 |
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.
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 and specific approval requirements. 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.
Tips for Choosing a Credit Card for Good Credit
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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.
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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.
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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.
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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.
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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.
The competition
There are lots of really good credit cards for good credit offers on the market right now. The following offers didn’t quite make the cut for our editors’ best-card selections, but they can still save cardholders a lot of money.
annual fee$95 | annual fee$0 | annual fee$95 |
rewards rate
| rewards rate
| rewards rate
|
bonus offer 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℠. | bonus offer Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back. | bonus offer Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening. |
Purchase Intro APRN/A | Purchase Intro APRN/A | Purchase Intro APRN/A |
transfer intro aprN/A | transfer intro apr0% for 18 months Transfer Fee: 3% intro fee ($5 min) for each transfer in first 4 months, after that 5% ($5 min) for each transfer | transfer intro aprN/A |
Regular APR21.49% - 28.49% (V) | Regular APR19.24% - 29.24% (V) | Regular APR21.24% - 29.24% (V) |
SponsoredApply Now | SponsoredApply Now | SponsoredApply Now |
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.
Credit Cards for Good Credit FAQ
Comparing credit cards for good credit 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.show more
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Featured Credit Cards
Expert Opinions
Great Tips for Good Credit & Credit Cards
Good credit gives you a lot of credit card options, and that can make finding the right fit even harder. To help you get the best card for your needs and use it wisely, we asked a panel of experts to share their advice. Just click on their photos to read their answers to the following questions.
- What is your best piece of advice for someone with a good credit score who’s looking for a credit card?
- What advantage does an excellent credit score give you relative to a good one when shopping for a credit card?
- What is the biggest credit card mistake that people with good credit tend to make?
Important Disclosures
We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. Actual terms may vary. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
† Approval Odds are WalletHub estimates intended to gauge your likelihood of approval for a particular product. Approval Odds are based on WalletHub data and are not provided or endorsed by the lender. Approval Odds are not meant to imply or guarantee that you will be approved by the lender or that credit will be extended. WalletHub may share your information with third-parties in order to show personalized offers, as well as enable you to interact more easily with pre-fill forms or applications. You can opt-out of sharing your personal info here.
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Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by any issuer.
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