The higher your credit score rating, the higher bank card rewards and advantages you’ll be able to qualify for. Credit score scores vary from 300 to 850, and a “good” rating is taken into account wherever from 670 to 739. Your credit score rating is usually decided by your credit score historical past, which incorporates your monitor document for making funds on time, how a lot of your credit score you are utilizing at any given time, the common age of your credit score accounts and extra. If in case you have a minimum of a superb credit score rating, you’ll be able to probably qualify for one of many picks beneath. These playing cards match a mixture of monetary targets, from cash-back rewards to steadiness transfers, however all supply top-of-class advantages.
Finest 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
Beneficial Credit score Wonderful, 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 by means of Chase Final Rewards®, our premier rewards program that allows 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 Steadiness Switch APR0% Intro APR on Steadiness Transfers for 15 months
Steadiness Switch APR17.24% – 25.99% Variable
Steadiness Switch Price Both $5 or 5% of the quantity of every switch, whichever is bigger.
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 by means of Chase Final Rewards®, our premier rewards program that allows 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 superb card for home journey (have in mind, this card does have international 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 lots of frequent price range objects. For July by means of September, you earn 5% money again on gasoline stations, automotive rental businesses, 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 by means of 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 evaluation.
Finest 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 once you redeem by means of Chase Final Rewards®.
APR18.24% – 25.24% Variable
Intro Buy APRN/A
Beneficial Credit score Wonderful/Good
- 5x on journey bought by means of Chase Final Rewards®
- 3x on eating.
- 2x on all different journey purchases, plus extra.
Annual Price$95
Steadiness Switch APR18.24% – 25.24% Variable
Steadiness Switch Price Both $5 or 5% of the quantity of every switch, whichever is bigger.
International Transaction Charges $0
Penalty APR As much as 29.99%
- 5x on journey bought by means of 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 superb credit score historical past. The welcome bonus alone can earn you sufficient factors to e book your subsequent flight, however the rewards program provides additional incentives to your journey spending. In the event you redeem your rewards factors for journey booked by means of Chase Final Rewards, you will get a 25% enhance in your factors worth. So as an alternative of being value 1 cent every — like once you redeem them for assertion credit — factors used for journey within the Chase Final Rewards portal will web you 1.25 cents every.
This card has lots of different built-in perks, like a ten% anniversary factors enhance: In your account anniversary, Chase provides you bonus factors equal to 10% of your whole purchases made the earlier yr. 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 major auto rental collision injury waiver and journey help, simply offset that expense.
Take a look at our full evaluation 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
APR17.24%, 22.24%, or 27.24% Variable APR
Intro Buy APR0% intro APR for 15 months from account opening
Beneficial Credit score Wonderful, Good
- Earn limitless 2% money rewards on purchases
Annual Price$0
Intro Steadiness Switch APR0% intro APR for 15 months from account opening on qualifying steadiness transfers
Steadiness Switch APR17.24%, 22.24%, or 27.24% Variable APR
Steadiness 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 Energetic Money. Sometimes for folks with good or wonderful credit score, you earn 2% money rewards throughout your purchases. There aren’t any rotating classes to activate, particular portals you’ll want to e book by means of or methods you’ll want to make use of. Apart from the simplicity, the Energetic 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 steadiness switch.
For extra particulars, see our full Wells Fargo Energetic Money evaluation.
Finest steadiness switch supply
Intro ProvideN/A
APR14.24% – 24.24% Variable APR on purchases and steadiness transfers
Intro Buy APR0% Intro APR for 21 billing cycles for purchases
Beneficial Credit score Wonderful/Good
Reward ChargesN/A
Annual Price$0
Intro Steadiness Switch APR0% Intro APR for 21 billing cycles for any BTs made within the first 60 days. A 3% charge (min. $10) applies.
Steadiness Switch APR14.24% – 24.24% Variable APR on purchases and steadiness transfers
Steadiness Switch Price Both $10 or 3% of the quantity of every transaction, whichever is bigger.
Late Cost Price See Phrases
International Transaction Charges 3%
Penalty APR none
Our Take
This on-line solely supply will not be accessible in case you depart this web page or in case you go to a Financial institution of America monetary heart. You possibly can reap the benefits of this supply once you apply now.
The BankAmericard® bank card provides cardholders 21 billing cycles to repay a transferred steadiness at 0% introductory curiosity (then 14.24% to 24.24% variable APR). It offers the identical period of time for brand new purchases, however there aren’t any rewards.
It is certainly one of – if not the – longest introductory APR durations accessible. It does cost a 3% steadiness switch charge ($10 minimal), which is fairly normal throughout steadiness switch bank cards. That makes it stand out amongst its opponents. Be mindful you will must make any steadiness transfers inside 60 days of account opening to qualify for its low-interest supply.
There’s little to the cardboard outdoors of that, nevertheless it presents one of many greatest selections for a steadiness switch bank card in case you’re seeking to repay some bank card debt.
For extra info, see our full evaluation of the BankAmericard bank card.
Intro ProvideEarn a $350 assertion credit score after you spend $3,000 in purchases in your new Card inside the first 6 months.
APR16.24%-27.24% Variable
Intro Buy APR0% on purchases for 12 months
Beneficial Credit score Wonderful, Good
- 6% Money Again at U.S. supermarkets on as much as $6,000 per yr 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 Steadiness Switch APR0% on steadiness transfers for 12 months
Steadiness Switch APR16.24%-27.24% Variable
Steadiness Switch Price Both $5 or 3% of the quantity of every switch, whichever is bigger.
Late Cost 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 yr 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 could be negligible, as these are among the greatest cash-back charges you’ll be able to earn on U.S. grocery store and U.S. gasoline station purchases. In line 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 yr. Money again is obtained within the type of Reward {Dollars} that may be redeemed as a press release credit score.
See our full evaluation 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 normal time period. Credit score bureaus have varied necessities to attain what they outline as “good” credit score. For example, FICO’s good credit score rating ranges from 670 to 739 out of a doable 300 to 850 factors. FICO is likely one of the hottest scoring strategies, nevertheless it’s not the one one. With VantageScore 4.0, one other well-liked 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 fastidiously 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 authorized for many bank cards at a decrease rate of interest and better restrict.
How do I get a superb credit score rating?
Getting a superb credit score rating takes time. Everybody begins with no credit score historical past and works their manner 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 number of the components which might be used to fee your credit score embody fee historical past, total credit score accessible, utilization and age of your accounts. The longer you make considerate spending selections and maintain 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 superb credit score rating?
Making use of for a bank card is a little bit of a chance. There isn’t any assure you will be authorized, even if in case you have good credit score. Your credit score rating might dip after a card utility because of the arduous inquiry in your credit score report — even in case you’re denied after making use of.
The best card to get with a superb credit score rating is an instantaneous approval card that makes a right away resolution. An alternative choice is a preapproved or prequalified bank card. On-line prequalification allows you to see whether or not you can be authorized 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’ll be able to test 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 steadiness switch. We take into accounts the everyday spending habits of a variety of client profiles — with the understanding that everybody’s monetary state of affairs is completely different — and the designated perform of a card.
For cash-back bank cards, for instance, key components embody the annual charge, the “welcome bonus” and the cash-back fee (or charges, in the event that they differ by spending class). For rewards and miles playing cards, we calculate and weigh the online financial worth of a card’s respective perks. And with steadiness switch bank cards, we analyze specs such because the period of the introductory 0% APR interval and the steadiness switch charge, whereas acknowledging secondary components corresponding to the usual APR and the size of time it’s a must to make a steadiness switch after you open the account.
For charges and charges 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, unbiased assessments by our writers and isn’t influenced by promoting or partnerships. It has not been supplied or commissioned by any third occasion. Nevertheless, we might obtain compensation once you click on on hyperlinks to services or products provided by our companions.
