Best Credit Cards for Good Credit

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With the Chase Sapphire Preferred Card you can earn a solid 60,000-point bonus after you spend $4,000 on purchases over your first three months with the card. This card does, however, carry a $95 annual fee, though you won't be charged any foreign transaction fees.

When it comes to rewards rates, this card earns 2x points on eligible travel and dining purchases. What’s great is that these categories tend to be broadly defined and include purchases made on public transit, as well as restaurant take out and eligible delivery services. While points are typically valued at one cent each, redeeming them through the Chase travel portal increases their value by 25%.

Why We Like It

The Chase Sapphire Preferred Card is a great option for anyone with good credit that’s looking for a solid travel rewards card. With a relatively low annual fee and the opportunity to earn a heap of rewards points, it’s easy to get significant value out of the card. While there are certainly better cards on the market for those with excellent credit, the Chase Sapphire Preferred Card is a great option for those with less than that.

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Chase Freedom Unlimited cardholders will earn 6.5% cash back on travel when you purchase through Chase Ultimate Rewards and 4.5% cash back on drugstore purchases and on dining including takeout and eligible delivery services, and 3% cash back on everything else (up to $20,000 spent in the first year). After your first year or after $20,000 spent, you'll also earn 5% cash back on travel when you purchase through Chase Ultimate Rewards and 3% cash back on drugstore purchases and on dining including takeout and eligible delivery services, and 1.5% cash back on everything else You’ll also receive a $200 early spending bonus after you use your card for $500 in purchases during your first three months as a cardholder. These rewards do not expire and can be redeemed for a variety of uses, from cash back to travel.

When you open your account, you’ll receive a 0% introductory purchase APR for your first 15 months. Following this intro period, your rate will be a variable APR of 16.49% to 25.24%.

Why We Like It

The Chase Freedom Unlimited is one of the best flat-rate cash back rewards cards on the market, so it helps that the card also tends to be available to those with good credit. With no annual fee, it’s a great card for spending on everyday items. The card is part of the widely accepted Visa network, and it earns rewards that you can redeem in several different ways.

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The U.S. Bank Cash+ Visa Signature Card starts cardholders off with the opportunity to earn a $200 cash back bonus after spending $1,000 on eligible purchases during their first 120 days as a cardholder. Each quarter, you can choose two rewards categories within which you’ll earn 5% cash back on up to $2,000 in eligible net purchases. You also earn 5% for car rental, hotel and prepaid air reservations if you book directly in the rewards travel center. You’ll also get to choose one every day category (like grocery stores or gas stations) for which you’ll earn unlimited 2% cash back.

Outside of the above, all other eligible purchases earn unlimited 1% cash back. This card also has no annual fee. However, there is a 2% transaction fee on foreign purchases and ATM transactions completed in U.S. currency. This fee rate jumps to 3% if the purchase or ATM transaction is completed in foreign currency, though.

Why We Like It

With the U.S. Bank Cash+ Visa Signature Card, you’ll have a large selection of categories to choose from when it comes to your 2% and 5% cash back categories. Categories eligible for the highest rewards rate typically include movies, utilities or specific types of retail establishments, such as department stores.

While the 2% rewards category tends to have fewer options to choose from, these options are usually much less specific. The card has absolutely no annual fee, which makes earning rewards even more effective. If you have good credit and are looking for a card that offers some flexibility, this is a great option.

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The Deserve EDU Mastercard for Students is a great student card with several major perks. Perhaps the best among these is the ability to receive Amazon Prime Student free for a year. To qualify for this offer, you’ll need to spend $500 over your first three billing cycles with the card.

If you pay your cell phone bill with your Deserve EDU, you’ll receive up to $600 in coverage if your phone is stolen or damaged. Cardholders also earn 1% cash back on all purchases and will pay no annual fee or foreign transaction fees. This card is available to applicants of most credit levels, including those with good credit. All cardholders also have access to Mastercard Platinum Benefits.

Why We Like It

While most student credit cards are available to those with good credit, the Deserve EDU Mastercard for Students stands out because of its fantastic student-centric perks. Mastercard is widely accepted and the card’s cash back features make it a great option for students looking for some extra money. The offer of a free year of Amazon Prime Student is extremely accessible, and it really takes this card over the top.

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If you get The Blue Business® Plus Credit Card from American Express, you will earn 2x points on up to $50,000 in eligible purchases each calendar year. After that, purchases earn just 1x points. These earnings apply to qualifying purchases and are not limited to any one category. While there is no annual fee with this card, it does carry a 2.7% foreign transaction fee. You can order extra cards for employees and earn points on their eligible purchases. Terms Apply.

Why We Like It

Any business owner with a good credit score should take a look at The Blue Business® Plus Credit Card from American Express. Despite the fact that the card’s 2x rewards rate only applies to the first $50,000 in purchases each year, the card can still help you bolster your supply of American Express Membership Rewards points. The card also carries no annual fee, which makes it an extremely low-risk business card with strong upside.