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Best Credit Cards for Good Credit

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by Heather Swick | Updated Oct. 14, 2019

Overview of the Best Credit Cards for Good Credit

Good credit is often enough to qualify for most credit card products. While you won't always get the lowest APRs or the highest possible lines of credit, having good credit is often marginally worse than Excellent credit. As a result, consumers have a broad array of attractive product offerings, spanning everything from high rewards earning rates to amazing redemption options. Scroll down to see some of the best credit cards currently offered to consumers with good credit. See More


Best for Sign-up Bonus

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  • Earn a one-time early spend bonus of 50,000 miles when you spend $3,000 on purchases within the first 3 months. When redeemed for travel, this equals $500!
  • Earn 2x miles on all purchases, everyday. Plus, through January 2020, you can earn 10 miles per dollar on thousands of hotels. For more details visit hotels.com/venture.
  • CNBC dubbed the Venture Rewards ‘The Best Travel Card’ in 2018
  • Application fee credit of up to $100 for either Global Entry or TSA PreCheck®
  • Redeem rewards with no black out dates, you can fly any airline and stay at any hotel; anytime. Transfer your miles to over twelve loyalty travel programs for additional flexibility.
  • No limit to the number of miles you can earn and miles won't expire as long as your account is in good standing
  • No foreign transaction fees when you travel abroad
  • Introductory annual fee of $0 for your first year, after that pay $95

Annual Fee

$0 intro annual fee for the first year; $95 after that

Purchase Intro APR

N/A

Balance Transfer Intro APR

N/A

Regular APR

17.49% - 24.74% Variable

Benefits

Capital One® Venture® Rewards Credit Card has a simple rewards system: earn 2x miles for every single dollar you spend. If you spend at least $3,000 during your first three months as an account holder, you can earn an additional 50,000 bonus miles.

There’s no limit or expiration date applied to any miles you earn, so you can save them for when you need them most. The most common redemption is to cover the cost of airfare, hotel stays or car rentals. It should be known mentioned that you can redeem your miles for cash and gift cards, as well.

This card has no foreign transaction fees so you can use it when you’re overseas without worrying about racking up additional charges. The card has a $95 annual fee, but there is an intro rate of $0 for the first year.

Things to Consider

The APR for the Capital One® Venture® Rewards Credit Card is from 17.49% - 24.74% Variable, depending on your credit score and varying with the Prime Rate. If you know you’ve struggled with making all your payments on time in the past, this APR is something for you to carefully weigh.

Be aware that this card does have an annual fee of $95 after the first year intro. This isn’t high as far as credit card fees go, but it’s still a factor to note.

Our Verdict

It’s pretty easy to earn miles with the Capital One® Venture® Rewards Credit Card and when you’re ready to redeem them, there are plenty of ways to do so. The only stipulations to be aware of are the $95 annual fee and the 17.49% - 24.74% Variable APR, as both could potentially eat into your rewards. Beyond that, the card is worth a serious look, especially if you like to travel.

Compare Similar Sign-Up Bonus Offers

Best Credit Card for Ongoing Cash Back

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  • Receive 2% cash back on all purchases. This breaks down to earning 1% when you buy and another 1% as you make payments for your purchases
  • To be eligible to earn cash back you must pay the minimum due on your account, without paying late
  • Low 0% Intro APR for the first 18 months on Balance Transfers. Afterward, the ongoing variable APR will be 15.49% - 25.49% based on your creditworthiness
  • Certain transactions do not earn cash back i.e. balance transfers, cash advances, items returned for credit, lottery tickets, and more
  • Standard APR when taking part in the Citi Flex Plan is a variable 15.49% - 25.49% depending on creditworthiness

Annual Fee

$0

Purchase Intro APR

N/A

Balance Transfer Intro APR

0% for 18 Months (for balance transfers completed within first 4 months)

Regular APR

15.49% - 25.49% Variable

Benefits

The Citi Double Cash Card offers a lengthy 18-month 0% introductory APR on balance transfers made within four months of account opening. After that, your APR will be 15.49% - 25.49% Variable depending on creditworthiness. That makes this card an extremely attractive option for those looking to make a balance transfer. Plus, there’s no annual fee.

On top of that, you’ll earn 1% cash back both at the time of your purchase, and when you’re paying it off. This inventive way to earn rewards doesn’t require keeping up with specific rotating categories. Instead every purchase you make will get you 1% cash back.

There are no caps or limitations on how much cash back you can accumulate and hold onto, so save it for when you need it most. When you do decide to redeem your cash back, you can use it for gift cards or as a check or statement credit.

Things to Consider

Depending on your creditworthiness, your APR could be 15.49% - 25.49% Variable. On top of that, if you have a returned payment or you make a late payment, you could be face up to 29.99% variable penalty APR.

In order to get the 1% cash back following your monthly payment, you must make sure you’re at least paying the minimum amount on your statement. This also means that because half of your cash back earnings come after the fact, you can’t use them toward paying your balance in the form of statement credit.

Our Verdict

The Citi Double Cash Card is an extremely attractive cash back credit card. As long as you’re making as least the minimum payment and you’re making it on time, you’ll essentially get 2% back on all purchases. This card also doesn’t have an annual fee, meaning you won’t have to worry about a fee eating into the cash back you earn. It’s hard to find a better no-annual-fee credit card with such a solid cash back rate on all purchases.

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Best Low APR Card for Cash Back

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  • Earn a one-time early spend bonus of $150 when you spend $500 on purchases within the first 3 months of having an account
  • Earn unlimited 1.5% cash back - no matter the purchase
  • Categories don't change or rotate, rewards are automatic. There is no limit to the cash back you can earn and cash back won't expire as long as your account is in good standing
  • Low 0% intro APR on purchases for the first 15 months; receive 15.74%-25.74% variable APR after that depending on creditworthiness
  • Receive 0% intro APR on balance transfers for the first 15 months; 3% fee will apply for transfers that post in this timeframe. An ongoing transfer APR of 15.74%-25.74% variable will apply after that
  • There is no annual fee and there are no foreign transaction fees when traveling abroad

Annual Fee

$0

Purchase Intro APR

0% for 15 Months

Balance Transfer Intro APR

0% for 15 Months

Regular APR

15.74% - 25.74% Variable

Benefits

If you have a good or excellent credit score, you may want to consider the Capital One® Quicksilver® Cash Rewards Credit Card. There’s no annual fee for this card so you don’t have to worry about that at all. There’s also a 0% introductory APR on purchases and balance transfers for the first 15 months that you have the card.

You can earn an unlimited 1.5% cash back on all purchases with the Capital One® Quicksilver® Cash Rewards Credit Card. There’s no concern about hitting a cash back limit, or holding onto your earnings too long as cash back don’t expire.

Plus, if you spend $500 during your first three months as a cardholder, you’ll earn $150 cash back as an early spend bonus.

Things to Consider

Though you’ll have 15 months with a 0% introductory APR, after that time period the variable APR will jump to 15.74% - 25.74% Variable, depending on your creditworthiness.

Speaking of creditworthiness, you will need to have an excellent credit score to quality for the Capital One® Quicksilver® Cash Rewards Credit Card. So if your score isn’t the best, that’s something to keep in mind.

Our Verdict

The Capital One® Quicksilver® Cash Rewards Credit Card is an extremely attractive cash back card. It lets you earn 1.5% unlimited cash back on all purchases with no expiration.

You can feel confident using this card and easily earning cash back without worrying about rotating categories, cash back limits or expiration dates. The card also doesn’t have an annual fee.

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Best for Bonus Rewards

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  • If you spend $500 on purchases in your first three months from account opening, earn a $150 bonus
  • Earn 5% cash back in selected categories that change each quarter, up to $1,500 in combined purchases. Categories must be opted into each quarter to earn the 5%.
  • Earn 1% cash back on everything else
  • Receive 0% APR for 15 months on purchases and balance transfers, then an ongoing variable APR of 16.74% - 25.49%.
  • If you transfer a balance from another card during the first 60 days, a balance transfer fee of $5 or 3%, whichever is greater will apply
  • Pay no annual fee
  • No minimum to redeem for cash back, plus rewards don't expire as long as your account is open and in good standing
  • Receive a free credit score, updated every week from Credit Journey

Annual Fee

$0

Purchase Intro APR

0% for 15 months

Balance Transfer Intro APR

0% for 15 months

Regular APR

16.74% - 25.49% Variable

Benefits

The Chase Freedom card offers a generous 0% introductory APR for 15 months on purchases and balance transfers. The lack of an annual fee keeps maintenance costs low with this card, as well.

However, the cash back system is what will drive lots of people to this card. Earn a sign-up bonus of $150 when you spend $500 during your first three months of card membership. You’ll also get back a whopping 5% cash back on your first $1,500 in combined purchases in bonus categories each quarter you activate. You’ll also earn an unlimited 1% cash back on all other purchases automatically.

There’s no limit to how much cash back you can acquire at one time, and there’s no expiration either. Once you’ve built up enough cash back for your liking, you can redeem your rewards directly to your U.S. checking or savings account, as a gift card or to cover travel costs.

Things to Consider

Though the 0% introductory APR lasts for a solid 15 months, you could receive a 16.74% - 25.49% Variable APR following the initial period. There’s also a foreign transaction fee of 3%.

The 5% cash back feature, while very attractive, is laced with stipulations. For one, you’ll need to make sure you activate it each quarter. Then the 5% rate will only apply to the first $1,500 spent in combined purchases in the bonus categories used each quarter. Once you’ve hit that number, you’ll earn 1% back on purchases.

Our Verdict

The Chase Freedom card is one of the best no-fee, cash back options out there. You’ll earn an extraordinary 5% cash back on the first $1,500 you spend in rotating categories each quarter and a solid 1% cash back after that. The 0% introductory APR on purchases and balance transfers also lasts for impressive 15 months.

Compare Similar Bonus Rewards Offers

Best No Annual Fee Card for Cash Back

More Details

  • Earn a one-time bonus of $150 when you spend $500 on purchases in your first 3 months with your new card. Plus, you will earn 1.5% cash back on all of your purchases with no limit.
  • Receive 0% APR for the first 15 months on purchases and balance transfers, then an ongoing variable APR of 16.74% - 25.49%. If you choose to transfer a balance, a fee of 5% of the amount transferred min. of $5 will apply.
  • No annual fee requirements
  • Receive access to your credit score for free every week with Credit Journey
  • No minimum amount required to redeem your cash back, redeem anytime
  • Your cash back rewards will not expire as long as your account is open and in good standing

Annual Fee

$0

Purchase Intro APR

0% for 15 months

Balance Transfer Intro APR

0% for 15 months

Regular APR

16.74% - 25.49% Variable

Benefits

The Chase Freedom Unlimited card features an impressive 15-month, 0% introductory APR on both purchases and balance transfers, rewarding new cardholders for their strong credit histories. There’s also no annual fee for this card.

Beyond those features, you will earn a one-time $150 bonus when you spend $500 on purchases with your new Freedom Unlimited card in the first 3 months. Plus, you will earn an unlimited 1.5% cash back on all of your purchases.

There’s no cap on the amount of cash back you can acquire over time. The points you earn can be redeemed in a multitude of ways, including covering travel costs, for gift cards or simply as direct cash back into most U.S. checking or savings accounts.

Things to Consider

Following the 15-month, 0% introductory APR, the variable APR could jump to 16.74% - 25.49% Variable.

The Chase Freedom Unlimited card also has a 3% foreign transaction fee. You might want to use a different credit card when you’re traveling to avoid the 3% foreign transaction fee, but otherwise, this could be a solid contender for use as your everyday credit card option.

Our Verdict

The Chase Freedom Unlimited card has no annual fee and great cash back rewards. There’s also a generous, 15-month 0% APR, meaning this card could be an excellent option if you have a balance to transfer.

Compare Similar No Annual Fee Offers

Methodology SmartAsset has developed a quantitative and independent system for evaluating the relative value of a credit card offer versus other offers in the marketplace. Our system evaluates cards based exclusively on their features, such as their rewards earning rate (if applicable), fees, perks, and rewards program redemption options. The annual rewards values on this page are calculated using annual spending assumptions in various categories such as, but not limited to, gas, restaurants, airfare, and US supermarkets. These spending assumptions are built on research that SmartAsset has conducted on existing secured credit cardholders. Our promise with our credit card recommendations is that we will always strive to have the most comprehensive, accurate, and objective method of evaluating credit card offers. Any recommendations are solely determined by the result of this research and model, and is never influenced by any fees, commissions, or other forms of compensation that SmartAsset may receive from credit card issuers for leads generated on our website.

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