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Best Credit Cards for Good Credit

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by Heather Swick | Updated Jul. 16, 2018

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

More Details

  • Enjoy 50,000 miles once you spend $3,000 on purchases within 3 months
  • Earn 2X miles on every purchase, every day. Plus earn 10X miles on thousands of hotels; learn more at hotels.com/venture
  • Named ‘The Best Travel Card’ by CNBC, 2018
  • Receive up to $100 application fee credit for Global Entry or TSA Precheck®
  • Fly any airline, stay at any hotel, anytime
  • Travel when you want with no blackout dates
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • No foreign transaction fees
  • $0 intro annual fee for the first year; $95 after that

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

14.74%-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 14.74%-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 $59 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 $59 annual fee and the 14.74%-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.

Best Low APR Card for Cash Back

More Details

  • One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 15 months; 14.74%-24.74% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 14.74%-24.74% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • Pay no annual fee or foreign transaction fees

Annual Fee

$0

Purchase Intro APR

0% for 15 Months

Balance Transfer Intro APR

0% for 15 Months

Regular APR

14.74%-24.74% 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 $200 cash back as a sign-up 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 14.74%-24.74% 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.

Best No Annual Fee Card for Cash Back

More Details

  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.74-25.49%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • Unlimited 1.5% cash back on every purchase — it's automatic
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open
  • Free credit score, updated weekly with Credit Journey?
  • No annual fee

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’ll earn 1.5% cash back on every purchase you make. If you spend at least $500 during your first three months as a cardholder, you’ll also receive a $150 sign-up bonus.

There’s no cap on the amount of cash back you can acquire at one 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.

Best for Bonus Rewards

More Details

  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.74-25.49%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate
  • Enjoy new 5% categories each quarter
  • Unlimited 1% cash back on all other purchases - it's automatic
  • Cash Back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back
  • Free credit score, updated weekly with Credit Journey?
  • No annual fee

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.

Best Credit Card for Ongoing Cash Back

More Details

  • Earn 2% cash back on purchases: 1% when you buy plus 1% as you pay
  • Balance Transfers do not earn cash back
  • 0% Intro APR on Balance Transfers for 18 months. After that, the variable APR will be 15.49%-25.49% based on your creditworthiness
  • Click 'Apply Now' to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases.
  • No categories to track, no caps on cash back, no annual fee*

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. 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 fail to make a minimum payment for 60 or more days 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.

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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