Best Credit Cards for People With Good Credit

Credit cards for good credit offer unique perks for trustworthy borrowers.

One of the perks of having excellent credit is that you can qualify for top credit cards. Credit cards for excellent credit typically come with a lower APR, great rewards and compelling introductory offers, including waived annual and balance transfer fees.

To help you figure out the best options for you more easily, GOBankingRates has rounded up the best credit cards for good credit. You can compare credit cards and read credit card reviews to see what these 10 have to offer. And if you’re not able to get one of these cards now, work toward improving your credit so you can take advantage of the best credit cards, offers and deals later.

Here are the best credit cards for good credit:

Top 10 Credit Cards for People With Good Credit
Credit CardInterest Rate (APR)Annual FeeBenefitsHow to Apply
Capital OneCapital One VentureOne Rewards Credit Card12.74%-22.74%$0Unlimited 1.25x miles per $1 spent on purchasesLearn More
Bank of AmericaBankAmericard Cash Rewards Credit Card13.74%-23.74%$03% cash back on gas, 2% at grocery stores and wholesale clubs, and 1% cash back on every purchase for the first $2,500 across all categories each quarterLearn More
Bank of AmericaBankAmericard Travel Rewards Credit Card15.74%-23.74%$0Unlimited 1.5 points for every $1 spent on all purchasesLearn More
Citi logo 2017Citi Double Cash Card14.24%-24.24%$01% unlimited cash back on all purchases and additional 1% on payments for those purchasesLearn More
Citi logo 2017Citi ThankYou Preferred Card14.24%-24.24%$02x points on dining and entertainment; 1x points on other purchasesLearn More
Capital OneCapital One Venture Rewards Credit Card13.74%-23.74%$0 for first year, then $59Unlimited 2x miles per $1 spent on purchasesLearn More
ChaseChase Sapphire Preferred Card16.74%-23.74%$0 for first year, then $952x points on travel and dining; 1 point per $1 on all other purchasesLearn More
American Express logo 2017American Express Blue Cash Preferred Card13.74%-23.74%$956% cash back at U.S. supermarkets (up to $6,000 per year, then 1%); 3% cash back at gas stations and select department stores; 1% cash back on other purchasesLearn More
American Express logo 2017American Express Starwood Preferred Guest Credit Card15.99%-19.99%$0 for first year, then $95Up to 5x Starpoints for every $1 of eligible purchases at participating Starwood hotels; 2 Starpoints for every $1 at participating Marriott Rewards hotels; 1 Starpoint for all other eligible purchasesLearn More
 Southwest-Rapid-Rewards-LogoSouthwest Rapid Rewards Premier Credit Card16.74%-23.74%$992 points per $1 spent on Southwest Airlines flights, hotel and car rental partners; 1 point per $1 spent on all other purchasesLearn More

See: What Is a Good Credit Score?

Capital One VentureOne Rewards Credit Card

Capital One VentureOne Rewards
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Interest rate: 12.74% APR to 22.74% APR
Annual fee: $0
Other fees: Greater of $10 or 3 percent for cash advances; up to $35 for late payments

If you have excellent credit, you can earn 1.25 travel miles for every dollar you spend on purchases with the Capital One VentureOne Rewards card, a credit card for good credit. You’ll also get 20,000 free miles — equal to $200 for travel — when you spend $1,000 in the first three months. Miles never expire and you can redeem them as a statement credit when you put travel purchases on the card. The interest rate is 0% APR for the first 12 months, which makes for a good credit card deal if you want to make a large purchase and pay it over time.

Find Out: 8 Ways to Raise Your Credit Score in 2017

BankAmericard Cash Rewards Credit Card

BankAmericard Cash Rewards
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Interest rate: 13.74% APR to 23.74% APR
Annual fee: $0
Other fees: Greater of $10 or 3 percent for balance transfers; $10 or 3 to 5 percent for cash advances; up to $37 for late payments

One of the best credit cards for excellent credit, the BankAmericard Cash Rewards credit card  lets you earn 1 percent cash back on every purchase, 2 percent at wholesale clubs and grocery stores and 3 percent on gas — for up to $2,500 in combined category purchases every quarter. You’ll get an introductory interest rate of 0% APR for the first 12 months, and if you redeem your cash back into a Bank of America checking or savings account, you’ll earn a 10 percent bonus.

Read: Best Balance-Transfer Credit Cards

BankAmericard Travel Rewards Credit Card

BankAmericard Travel Rewards
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Interest rate: 15.74% APR to 23.74% APR
Annual fee: $0
Other fees: Greater of $10 or 3 percent for balance transfers; $10 or 3 to 5 percent for cash advances; up to $37 for late payments

Every dollar you spend with the BankAmericard Travel Rewards card earns you 1.5 points. There is no limit on how many points you can accumulate and they never expire. You won’t have to pay any foreign transaction fees and if you spend $1,000 in the first 90 days you’ll get 20,000 bonus points. The interest rate is 0 percent for the first 12 billing cycles, but don’t make a late payment because fees could cost up to $37.

Citi Double Cash Card

Citi Double Cash
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Interest rate: 14.24% APR to 24.24% APR
Annual fee: $0
Other fees: Greater of $5 or 3 percent for balance transfers; greater of $10 or 5 percent for cash advances; up to $35 for late payments

The Citi Double Cash card pays you twice: You get 1 percent cash back when you spend a dollar using your card, and 1 percent when you pay it back. You can earn unlimited cash back on the card. New cardholders enjoy a 0% APR introductory offer on balance transfers for 18 months and one free late payment. The Citi Price Rewind program will search for a lower price on your purchases, and you might receive the price difference back.

Citi ThankYou Preferred Card

Citi ThankYou Preferred (2)
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Interest rate: 14.24% APR to 24.24% APR
Annual fee: $0
Other fees: Greater of $5 or 3 percent for balance transfers; greater of $10 or 5 percent for cash advances; up to $35 for late payments

The Citi ThankYou Preferred Card gives you two points for every dollar you spend on dining and entertainment and one point for everything else. The interest rate is 0 percent for the first 12 months, and when you spend $1,000 in the first three months you’ll get 15,000 bonus points, which you can redeem for gift cards. The card is also eligible for the Citi Price Rewind program.

Capital One Venture Rewards Credit Card

Capital One Venture Rewards
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Interest rate: 13.74% APR to 23.74% APR
Annual fee: $0 for first year, then $59
Other fees: Greater of $10 or 3 percent for cash advances; up to $35 for late payments

Every single purchase you make with the Capital One Venture Rewards card earns you 2 miles. The annual fee is waived for the first year and you’ll earn a 40,000-mile bonus — good for $400 in travel — when you spend $3,000 in the first three months. Miles never expire and the card is compatible with Apple Pay.

Don’t Miss: 10 Best Credit Cards for Big Spenders

Chase Sapphire Preferred Card

Chase Sapphire Preferred (1)
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Interest rate: 16.74% APR to 23.74% APR
Annual fee: $0 for first year, then $95
Other fees: Greater of $5 or 5 percent for balance transfers; greater of $10 or 5 percent for cash advances; up to $37 for late payment fees

Get double points for travel and dining, and single points for everything else with the Chase Sapphire Preferred Card. Spend $3,000 in the first three months and you’ll get 50,000 bonus points, which you can redeem for $625 in travel purchases. You’ll also have the annual fee waived for the first year.

American Express Blue Cash Preferred Credit Card

American Express Blue Cash Preferred
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Interest rate: 13.74% APR to 23.74% APR
Annual fee: $95
Other fees: Greater of $5 or 3 percent for balance transfers and cash advance; up to $38 for late payments

The Blue Cash Preferred card gives you cash back on purchases at U.S. supermarkets. You’ll also get cash back at gas stations and some department stores, and cash back on other purchases. You can redeem your cash back as a statement credit, and you can pile up points by adding additional cards for your friends and family. The card comes with an introductory interest rate of 0 percent on purchases and balance transfers for the first 12 months.

Learn: 10 Things You Should Never Put on a Credit Card

American Express Starwood Preferred Guest Credit Card

American Express Starwood Preferred Gues (1)
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Interest rate: 15.99% APR to 19.99% APR
Annual fee: $0 for first year, then $95
Other fees: Greater of $5 or 5 percent for balance transfers; greater of $10 or 5 percent for cash advances; up to $37 for late payments

With the Starwood Preferred Guest card, you’ll earn up to five Starpoints for every dollar you spend at eligible Starwood hotels, two points at participating Marriott Rewards hotels and one point for all other eligible purchases.

Southwest Rapid Rewards Premier Credit Card

Southwest Rapid Rewards Premier (1)
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Interest rate: 16.74% APR to 23.74% APR
Annual fee: $99
Other fees: Greater of $5 or 5 percent for balance transfers; greater of $10 or 5 percent for cash advances; up to $37 for late payments

Get two points for every dollar you spend on Southwest Airlines travel and on purchases from its rental car and hotel travel partners. You’ll earn one point for your other purchases and you can redeem your points for flights, gift cards, hotel stays, car rentals and merchandise. You can earn an unlimited number of points, which never expire.

Up Next: The Top 10 Most Exclusive Black Cards You Don’t Know About

GOBankingRates is a personal finance and consumer interest rate website owned by ConsumerTrack, Inc., an online marketing company serving top-tier banks, credit unions, and other financial services organizations. Some companies mentioned in this article might be clients of ConsumerTrack, Inc., which serves more than 100 national, local and online financial institutions. Rankings and roundups are completely objective, and no institution, client or otherwise, paid for inclusion or specific placement. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone and have not been reviewed, approved, or otherwise endorsed by the companies included in the article.

 

  • Amit Ojha

    How about American Express Cards ? Are they any good. I have been using them since years and pretty happy with that.