The higher your credit score rating, the higher bank card rewards and advantages you possibly can qualify for. Credit score scores vary from 300 to 850, and a “good” rating is taken into account anyplace from 670 to 739. Your credit score rating is usually decided by your credit score historical past, which incorporates your observe file for making funds on time, how a lot of your credit score you are utilizing at any given time, the typical age of your credit score accounts and extra. When you’ve got a minimum of a great credit score rating, you possibly can seemingly qualify for one of many picks beneath. These playing cards match a mixture of monetary targets, from cash-back rewards to stability transfers, however all supply top-of-class advantages.
Greatest cash-back card for good credit score
Intro ProvideEarn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
APR17.24% – 25.99% Variable
Intro Buy APR0% Intro APR on Purchases for 15 months
Really useful Credit score Glorious, Good
- 5% money again on as much as $1,500 in mixed purchases in bonus classes every quarter you activate. Take pleasure in new 5% classes every quarter!
- 5% money again on journey bought via Chase Final Rewards®, our premier rewards program that permits you to redeem rewards for money again, journey, reward playing cards and extra
- 3% money again on drugstore purchases and eating at eating places, together with takeout and eligible supply service
- Limitless 1% money again on all different purchases.
Annual Price$0
Intro Stability Switch APR0% Intro APR on Stability Transfers for 15 months
Stability Switch APR17.24% – 25.99% Variable
Stability Switch Price Both $5 or 5% of the quantity of every switch, whichever is larger.
International Transaction Charges 3% of every transaction in U.S. {dollars}
Penalty APR As much as 29.99%
- 5% money again on as much as $1,500 in mixed purchases in bonus classes every quarter you activate. Take pleasure in new 5% classes every quarter!
- 5% money again on journey bought via Chase Final Rewards®, our premier rewards program that permits you to redeem rewards for money again, journey, reward playing cards and extra
- 3% money again on drugstore purchases and eating at eating places, together with takeout and eligible supply service
- Limitless 1% money again on all different purchases.
Our Take
The Chase Freedom Flex℠ gives the widest unfold of advantages for a card that requires a minimum of good credit score and in addition has no annual charge. The cash-back classes make this a great card for home journey (bear in mind, this card does have overseas transaction charges) and eating, and the introductory APR bank card permits you to finance a big buy comfortably. The rotating rewards class provides much more worth, and covers numerous frequent finances objects. For July via September, you earn 5% money again on gasoline stations, automotive rental companies, film theaters and choose stay leisure, on as much as $1,500 in mixed purchases all through the quarter.
Keep in mind to manually activate the bonus rotating class via your on-line account. Chase does not submit the upcoming rewards classes till shortly earlier than the brand new quarter begins.
For extra info, see our full Chase Freedom Flex overview.
Greatest journey card for good credit score
Intro ProvideEarn 60,000 bonus factors after you spend $4,000 on purchases within the first 3 months from account opening. That is $750 while you redeem via Chase Final Rewards®.
APR18.24% – 25.24% Variable
Intro Buy APRN/A
Really useful Credit score Glorious/Good
- 5x on journey bought via Chase Final Rewards®
- 3x on eating.
- 2x on all different journey purchases, plus extra.
Annual Price$95
Stability Switch APR18.24% – 25.24% Variable
Stability Switch Price Both $5 or 5% of the quantity of every switch, whichever is larger.
International Transaction Charges $0
Penalty APR As much as 29.99%
- 5x on journey bought via Chase Final Rewards®
- 3x on eating.
- 2x on all different journey purchases, plus extra.
Our Take
The Chase Sapphire Most popular® Card is an all-around wonderful journey bank card in case you’ve established a great credit score historical past. The welcome bonus alone can earn you sufficient factors to e-book your subsequent flight, however the rewards program provides further incentives to your journey spending. In the event you redeem your rewards factors for journey booked via Chase Final Rewards, you will get a 25% enhance in your factors worth. So as a substitute of being value 1 cent every — like while you redeem them for assertion credit — factors used for journey within the Chase Final Rewards portal will internet you 1.25 cents every.
This card has numerous different built-in perks, like a ten% anniversary factors enhance: In your account anniversary, Chase offers you bonus factors equal to 10% of your complete purchases made the earlier 12 months. Which means in case you spend $25,000 on purchases, you will get 2,500 bonus factors. Though there is a $95 annual charge, the standard of perks, together with main auto rental collision harm waiver and journey help, simply offset that expense.
Try our full overview of the Chase Sapphire Most popular Card for extra particulars.
Intro ProvideEarn a $200 money rewards bonus after spending $1,000 in purchases within the first 3 months
APR17.99%, 22.99%, or 27.99% Variable APR
Intro Buy APR0% intro APR for 15 months from account opening
Really useful Credit score Glorious, Good
- Earn limitless 2% money rewards on purchases
Annual Price$0
Intro Stability Switch APR0% intro APR for 15 months from account opening on qualifying stability transfers
Stability Switch APR17.99%, 22.99%, or 27.99% Variable APR
Stability Switch Price as much as 5%; min: $5
International Transaction Charges 3%
Penalty APR None
- Earn limitless 2% money rewards on purchases
Our Take
You do not have to consider which bank card to make use of for which spending classes with the Wells Fargo Lively Money. Sometimes for individuals with good or wonderful credit score, you earn 2% money rewards throughout your purchases. There are not any rotating classes to activate, particular portals it is advisable e-book via or methods it is advisable make use of. Moreover the simplicity, the Lively Money Card has a aggressive welcome supply for bank cards with no annual charge, and the introductory APR permits you to profit from short-term financing on purchases or a qualifying stability switch.
For extra particulars, see our full Wells Fargo Lively Money overview.
Greatest stability switch supply
Intro ProvideN/A
APR14.24% – 24.24% Variable APR on purchases and stability transfers
Intro Buy APR0% Intro APR for 21 billing cycles for purchases
Really useful Credit score Glorious/Good
Reward ChargesN/A
Annual Price$0
Intro Stability Switch APR0% Intro APR for 21 billing cycles for any BTs made within the first 60 days. A 3% charge (min. $10) applies.
Stability Switch APR14.24% – 24.24% Variable APR on purchases and stability transfers
Stability Switch Price Both $10 or 3% of the quantity of every transaction, whichever is larger.
Late Fee Price See Phrases
International Transaction Charges 3%
Penalty APR none
Our Take
This on-line solely supply is probably not accessible in case you go away this web page or in case you go to a Financial institution of America monetary heart. You possibly can make the most of this supply while you apply now.
The BankAmericard® bank card offers cardholders 21 billing cycles to repay a transferred stability at 0% introductory curiosity (then 14.24% to 24.24% variable APR). It supplies the identical period of time for brand new purchases, however there are not any rewards.
It is considered one of – if not the – longest introductory APR durations accessible. It does cost a 3% stability switch charge ($10 minimal), which is fairly customary throughout stability switch bank cards. That makes it stand out amongst its opponents. Consider you will have to make any stability transfers inside 60 days of account opening to qualify for its low-interest supply.
There’s little to the cardboard exterior of that, however it presents among the best selections for a stability switch bank card in case you’re trying to repay some bank card debt.
For extra info, see our full overview of the BankAmericard bank card.
Intro ProvideEarn a $350 assertion credit score after you spend $3,000 in purchases in your new Card throughout the first 6 months.
APR16.99%-27.99% Variable
Intro Buy APR0% on purchases for 12 months
Really useful Credit score Glorious, Good
- 6% Money Again at U.S. supermarkets on as much as $6,000 per 12 months in purchases (then 1%)
- 6% Money Again on choose U.S. streaming subscriptions
- 3% Money Again on transit together with taxis/rideshare, parking, tolls, trains, buses and extra
- 3% Money Again at U.S. gasoline stations
- 1% Money Again on different purchases
Annual Price$95
Intro Stability Switch APR0% on stability transfers for 12 months
Stability Switch APR16.99%-27.99% Variable
Stability Switch Price Both $5 or 3% of the quantity of every switch, whichever is larger.
Late Fee Price As much as $40
International Transaction Charges 2.7% of every transaction after conversion to US {dollars}.
Penalty APR 29.99% Variable
- 6% Money Again at U.S. supermarkets on as much as $6,000 per 12 months in purchases (then 1%)
- 6% Money Again on choose U.S. streaming subscriptions
- 3% Money Again on transit together with taxis/rideshare, parking, tolls, trains, buses and extra
- 3% Money Again at U.S. gasoline stations
- 1% Money Again on different purchases
Our Take
The Blue Money Most popular® Card from American Categorical is a best choice if in case you have a credit score rating over 670 and wish to earn most rewards on groceries and rewards on gasoline. Although there’s a $95 annual charge, if in case you have a hefty grocery or gasoline invoice it might be negligible, as these are a few of the greatest cash-back charges you possibly can earn on U.S. grocery store and U.S. gasoline station purchases. In accordance with the Bureau of Labor Statistics, most American households’ grocery expenditure sits beneath the cardboard’s $6,000 annual spending threshold for the U.S. grocery store rewards. You’ll solely exceed this spending threshold in case you common over $115 in groceries per week in a 12 months. Money again is obtained within the type of Reward {Dollars} that may be redeemed as an announcement credit score.
See our full overview of the Blue Money Most popular Card for extra particulars.
Phrases apply to American Categorical advantages and gives. Enrollment could also be required for choose American Categorical advantages and gives. Go to americanexpress.com to be taught extra.
FAQs
What does it imply to have ‘good’ credit score?
Good credit score is a basic time period. Credit score bureaus have varied necessities to realize what they outline as “good” credit score. As an illustration, FICO’s good credit score rating ranges from 670 to 739 out of a attainable 300 to 850 factors. FICO is among the hottest scoring strategies, however it’s not the one one. With VantageScore 4.0, one other widespread scoring mannequin, your rating should be between 661 and 780.
Collectors see potential cardholders with good credit score as decrease threat. People with a clear credit score historical past usually tend to spend rigorously and make funds on time and are much less more likely to default on their card balances. In consequence, having good credit score means you are extra more likely to get accredited for many bank cards at a decrease rate of interest and better restrict.
How do I get a great credit score rating?
Getting a great credit score rating takes time. Everybody begins with no credit score historical past and works their approach up. You can begin with a credit-building card or private mortgage with a low credit score restrict and make funds on time. You possibly can proceed constructing credit score by including different bank cards or loans. A few of the components which might be used to charge your credit score embrace cost historical past, general credit score accessible, utilization and age of your accounts. The longer you make considerate spending selections and preserve your present accounts in good standing, the higher your possibilities of attaining good credit score.
Which playing cards are the best to get with a great credit score rating?
Making use of for a bank card is a little bit of a chance. There is no such thing as a assure you will be accredited, even if in case you have good credit score. Your credit score rating might dip after a card software as a result of onerous inquiry in your credit score report — even in case you’re denied after making use of.
The simplest card to get with a great credit score rating is an instantaneous approval card that makes an instantaneous resolution. An alternative choice is a preapproved or prequalified bank card. On-line prequalification permits you to see whether or not you would be accredited in case you formally apply — with none dedication. Better of all, a prequalification will not have an effect on your credit score rating, so you possibly can verify risk-free to see if it is value making use of.
Our methodology
CNET evaluations bank cards by exhaustively evaluating them throughout set standards developed for every main class, together with cash-back, welcome bonus, journey rewards and stability switch. We take into accounts the everyday spending conduct of a spread of shopper profiles — with the understanding that everybody’s monetary state of affairs is totally different — and the designated perform of a card.
For cash-back bank cards, for instance, key components embrace the annual charge, the “welcome bonus” and the cash-back charge (or charges, in the event that they differ by spending class). For rewards and miles playing cards, we calculate and weigh the web financial worth of a card’s respective perks. And with stability switch bank cards, we analyze specs such because the period of the introductory 0% APR interval and the stability switch charge, whereas acknowledging secondary components resembling the usual APR and the size of time it’s important to make a stability switch after you open the account.
For charges and costs of the Blue Money Most popular Card from American Categorical, click on right here.
The editorial content material on this web page relies solely on goal, impartial assessments by our writers and isn’t influenced by promoting or partnerships. It has not been supplied or commissioned by any third social gathering. Nevertheless, we might obtain compensation while you click on on hyperlinks to services or products provided by our companions.
