Best Credit Cards For Good Credit Of May 2024

When you have good credit, the Chase Freedom Flex℠ offers bonus cash back in rotating bonus categories—so checking the calendar is key. If you don’t mind interacting with the card each quarter, this card is a high earner.

Rewards: Earn 5% cash back on up to $1,500 in combined purchases in categories that rotate quarterly (requires activation), 5% cash back on travel purchased through Chase Travel℠, 3% cash back on dining and drugstores and 1% cash back on all other purchases.

Welcome offer: Earn a $200 bonus after spending $500 on purchases in the first 3 months from account opening.

Annual fee: $0

Other benefits and drawbacks: You can redeem your cash back as a statement credit or direct deposit into most bank accounts. Or if you have this card and a Chase Ultimate Rewards®-earning card like the Chase Sapphire Preferred® Card*, then you can combine your points and transfer your rewards to Chase’s travel partners. And when you redeem strategically, they’re often worth far more.

However, this card has a 3% of each transaction in U.S. dollars foreign transaction fee, so it’s best to only use it within the U.S. The card also offers a 0% intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24% applies. Balance transfer fee of up to 5% (min. $5) of the amount of each transfer applies.

If you want to use your good credit to earn cash back but don’t want to track bonus categories, consider the Chase Freedom Unlimited®, which offers cash back on every purchase—plus bonus categories that are static.

Rewards: Earn 5% cash back on travel purchased through Chase Travel℠, 3% cash back on eligible dining and drugstores and 1.5% on all other purchases, plus an additional 1.5% cash back on the first $20,000 in purchases the first year.

Welcome offer: Earn an additional 1.5% cash back on up to $20,000 spent in the first year, worth up to $300 cash back.

Annual fee: $0

Other benefits and drawbacks: Just like the Chase Freedom Flex℠, you can use your cash-back rewards for travel for bookings made through Chase Travel℠. If you aren’t interested in travel, then you can redeem for cash back, merchandise or gift cards.

The Freedom Unlimited card includes a 0% introductory APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24% applies. An intro transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater, applies in the first 60 days of account opening. After that, a fee of either $5 or 5% of the amount of each transfer applies. The card also has a 3% of each transaction in U.S. dollars foreign transaction fee.

If you have good credit, the Discover it® Cash Back is a strong choice for cash-back rewards. Even better, Discover will match all the cash back you’ve earned at the end of your first cardmember year.

Rewards: Earn 5% cash back on everyday purchases at different places each quarter up to a quarterly maximum of $1,500 in spending when activated. Plus, earn unlimited 1% cash back on all other purchases – automatically.

Welcome offer: Earn Discover will automatically match all the cash back earned at the end of the first year as a cardmember. There's no minimum spending or maximum rewards.

Annual fee: $0

Other benefits and drawbacks: If you take full advantage and spend $6,000 each year in the bonus categories, then you’ll earn $300 in bonus cash back every year (plus an extra $300 at the end of the first year).

You’ll earn even more if you use the card for regular spending at the 1% rate (2% the first year with the match). You can redeem your cash-back rewards at any time for any amount with no minimum.

The card also offers a 0% introductory APR for 15 months on purchases and eligible balance transfers. Then, a standard rate of 17.24% - 28.24% variable applies. A balance transfer fee of up to 5% of the amount transferred applies on purchases and balance transfers.

Travelers with good credit should opt for the Chase Sapphire Preferred® Card*, one of the top travel cards in the industry. With solid category bonuses, you’ll also get many more perks than some of the other cards on this list. Plus, the generous welcome bonus is worth hundreds when redeemed through Chase Travel, or you can transfer points to several airline and hotel partners.

Rewards: Earn 5 points per dollar on travel purchased through Chase Travel℠, 3 points per dollar on dining, select streaming services, and online grocery purchases (excluding Walmart, Target and wholesale clubs), 2 points per dollar on all other travel purchases and 1 point per dollar on other purchases.

Welcome offer: Earn 60,000 bonus points after spending $4,000 on purchases in the first 3 months from account opening.

Annual fee: $95

Other benefits and drawbacks: Travelers will appreciate that, despite being one of the only cards on this list that comes with an annual fee, you’ll get up to $50 in statement credits each account anniversary year for hotel stays purchased through Chase Travel℠.

Enrolled users can also take advantage of benefits like a DoorDash DashPass subscription (a $96 value), Instacart Membership, monthly $15 Instacart quarterly statement credit through July 2024 and temporary bonus points for Peloton and Lyft. Each account anniversary, you’ll earn bonus points equal to 10% of your total purchases made the previous year.

You can get 25% more value when redeeming through the Chase Travel Portal for travel. The downsides? If you aren’t an avid traveler, this card may be less valuable for you, so you might want to consider a cash-back card instead.

Anyone with decent credit looking for an everyday spend card that offers significant rewards for many purchase categories should opt for the Wells Fargo Autograph℠ Card. It comes with a notable welcome bonus and a few other perks with no annual fee.

Rewards: Earn 3 points per dollar at restaurants, travel, gas stations, transit, popular streaming services and phone plans. Plus, earn 1 point per dollar on other purchases.

Welcome offer: Earn 20,000 bonus points after spending $1,000 in purchases in the first 3 months.

Annual fee: $0

Other benefits and drawbacks: This card makes it easy to earn points at an accelerated rate, thanks to several generous bonus categories that fall into everyday spend. However, rewards don’t seem quite as valuable as the card has no transfer partners. Instead, you can redeem points for cash back, to cover purchases or for travel.

The Autograph card also features a 0% introductory APR on purchases for 12 months from account opening. A variable APR of 20.24%, 25.24%, or 29.99% applies for purchases after the intro period ends and for balance transfers. The card has a balance transfer fee of up to 5%, minimum $5 on purchases. Another perk is $600 worth of cell phone protection when you pay your monthly cell phone bill with the card—just know it’s subject to a $25 deductible (terms apply).

The flexibility of Capital One Rewards makes the Capital One VentureOne Rewards Credit Card (rates & fees) ideal for anyone who wants a no annual fee card that earns miles to redeem on Capital One Travel, cover past travel purchases or transfer to travel partners.

Rewards: Earn 5 miles per dollar on hotels and rental cars booked through Capital One Travel and 1.25 miles per dollar on every other purchase.

Welcome offer: Earn 20,000 miles after spending $500 on purchases within 3 months from account opening, equal to $200 in travel.

Annual fee: $0

Other benefits and drawbacks: Although this card doesn’t come with many bonus categories, we like the Capital One Travel hotel spend bonus, which is higher than other comparable cards. However, if you don’t frequently spend money with Capital One Travel, you won’t rake in as many bonus miles with this card.

The VentureOne Rewards card offers a 0% intro APR on purchases and balance transfers for 15 months, 19.99% - 29.99% variable APR after that; 3% balance transfer fee for the first 15 months, 4% at a promotional APR that Capital One may offer you. It also doesn’t have any foreign transaction fees.

If you want to earn American Express Membership Rewards for everyday purchases using a no annual fee card, the Amex EveryDay® Credit Card* is an easy choice.

Rewards: Earn 2 Membership Rewards points per dollar at US supermarkets on up to $6,000 per year in purchases (then 1X), 2 points per dollar when using the card to book trips through American Express Travel and 1 point for every eligible dollar on everything else. Plus, use the card 20 or more times on purchases in a billing period and earn 20% extra points on those purchases.

Welcome offer: Earn 10,000 points after spending $2,000 in qualifying purchases in the first 6 months of account opening.

Annual fee: $0

Other benefits and drawbacks: This card allows users to plan and split large purchases of $100 or more into monthly fixed installments, so you won’t have to pay all at once. That, plus the 0% intro APR on purchases and balance transfers for 15 months, followed by a regular APR of 18.24% - 29.24% variable. A balance transfer fee of $5 or 3%, whichever is greater, applies, makes large purchases easier to pay off without interest, if you can pay them off by the 15-month mark.

If it’s a healthy amount of cash back you’re after, the U.S. Bank Cash+® Visa Signature® Card offers several bonus categories that make it easy to get that extra bit back for everyday shopping.

Rewards: Earn 5% cash back on prepaid air, hotel and car reservations booked directly in the Rewards Travel Center, 5% cash back on your first $2,000 in combined eligible purchases each quarter on two categories of choice, 2% cash back on one everyday category such as gas stations, grocery stores or restaurants, and 1% cash back on all other eligible purchases.

Welcome offer: Earn a $200 rewards bonus after spending $1,000 on eligible purchases within the first 120 days of account opening.

Annual fee: $0

Other benefits and drawbacks: If you’re able to take advantage of the 5% cash back on two categories, you can earn $100 back each quarter, plus earn unlimited 2% and 1% back on top of that in other categories. And that’s not taking into consideration the 5% cash back on purchases from the U.S. Bank Rewards Center.

It’s easy to use your cash back, as you can choose how you get it—a statement credit, rewards card or direct deposit into your U.S. bank checking or savings account. Finally, this card comes with a 0% intro APR on purchases and balance transfers for 15 billing cycles, then a standard APR of 19.49% - 29.74% variable APR applies. A balance transfer fee of 3% ($5 minimum) applies and balances transferred must be completed within 60 days from account opening.

The Blue Cash Preferred® Card from American Express (terms apply, see rates & fees) is perfect for spenders with good credit who tend to frequently grocery shop and stream their favorite shows. The card offers one of the highest bonus cash-back rates on groceries, as well as one of the highest bonus rates on streaming.

Rewards: Earn 6% cash back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%), 6% cash back on select U.S. streaming subscriptions, 3% cash back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more) and 1% cash back on other eligible purchases. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.

Welcome offer: Earn a $250 statement credit after spending $3,000 in purchases within the first 6 months.

Annual fee: $0 intro annual fee for the first year, then $95

Other benefits and drawbacks: The card also offers $84 in Disney Bundle credits ($7 per month) and $120 back annually when you subscribe to Equinox+.

The card also has an introductory APR offer of 0% introductory APR for 12 months on purchases and balance transfers requested within the first 60 days of account opening, followed by a variable APR of 19.24%-29.99% variable. A balance transfer fee of $5 or 3%, whichever is greater, applies. Although the annual fee is only waived for the first year of card membership, the high bonus categories and statement credits can offset the annual fee in the following years.

If you want to earn cash back for the category you spend the most on, the Citi Custom Cash® Card is for you. Once you max it out, you’ll still earn additional cash back on every purchase you make.

Rewards: Earn 5% cash back on purchases in a top eligible spend category up to the first $500 spent each billing cycle, 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2025 and 1% cash back on all other purchases.

Welcome offer: Earn $200 in cash back after spending $1,500 on purchases in the first 6 months of account opening. The bonus points come in the form of 20,000 ThankYou® Points that can be redeemed for $200 cash back.

Annual fee: $0

Other benefits and drawbacks: Because cash back is earned in the form of Citi ThankYou Points, you can choose to redeem points for cash back as a statement credit, direct deposit or check—or redeem points for travel, gift cards or shopping on Amazon.

The card also offers a 0% introductory APR for 15 months from date of account opening on purchases and from date of first transfer for balance transfers completed within 4 months of account opening. After that, the variable APR will be 19.24% - 29.24%, based on creditworthiness. There is also a balance transfer fee of 5% of each balance transfer; $5 minimum.

One of the best perks of the card is the fact that you earn extra rewards in your top spend category, which offers flexibility for shoppers. However, bonus points are capped at $500 per billing cycle, so big spenders might want to opt for a card that offers bonus points or cash back beyond that threshold.

Sometimes, straightforward rewards make things easier when it comes to credit cards. The Wells Fargo Active Cash® Card is fairly basic: You’ll earn the same cash rewards rate on all purchases, without having to remember categories, deal with spend caps or keep on top of spend thresholds.

Rewards: Earn 2% cash rewards on purchases.

Welcome offer: Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.

Annual fee: $0

Other benefits and drawbacks: The main pro of this card—the simplicity—is also its biggest con. The card’s basic bonus is ideal for those who shop in a range of categories, but there isn’t much else to it. However, Active Cash, like many of its competitor cards, does offer 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 20.24%, 25.24%, or 29.99% variable APR applies. Balance transfers made within 120 days qualify for the intro rate and fee of 3% then a fee of up to 5%, with a minimum of $5 applies. The Active Cash card also comes with $600 worth of cell phone protection when you pay your monthly cell phone bill (with a $25 deductible for claims, terms apply).

The Bilt World Elite Mastercard® works a little differently than other cards on this list, mainly because it allows cardholders to earn points for paying rent, as well as bonuses in other spend categories. The card is best for renters because earning points for rent isn’t as straightforward (or even possible, in many cases) with other credit cards.

Rewards: Earn 1 point per dollar on rent payments without the transaction fee (on up to 100,000 points each calendar year), 3 points per dollar on dining, 2 points per dollar on travel (when booked through the Bilt Travel Portal or directly with an airline, hotel, car rental or cruise company), and 1 point per dollar on other purchases.

Welcome offer: This card does not offer a welcome bonus.

Annual fee: $0 (rates & fees)

Other benefits and drawbacks: It’s important to know that cardholders must make at least five transactions per month to earn points. So you can’t only use the card to pay rent if you want the full amount of points—you’ll have to spend elsewhere, too.

Bilt deems the first of every month “Rent Day,” offering special deals, promotions, transfer bonuses, status matches, points accelerators and more that can benefit cardholders. You can also earn double points on Rent Day on dining, travel and other purchases that aren’t rent.

For a no annual fee card, Bilt also comes with useful additional benefits, like trip delay reimbursement, trip cancellation & interruption protection, primary coverage on rental cars, no foreign transaction fees and Lyft credits. Redeem Bilt points within its own travel portal or transfer them at a 1:1 ratio to a number of hotel and airline transfer partners, such as British Airways or World of Hyatt.