Good credit comes with many perks, including the potential to choose from a variety of solid credit card offers. The best credit cards for good credit feature attractive benefits such as travel rewards, cash back, welcome bonuses or even 0% APR on purchases or balance transfers for a limited time.
We analyzed a broad swath of credit cards in this category, from a variety of issuers, to curate a list of the very best credit cards for good credit of 2024. Here are our selections.
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Wells Fargo Autograph℠ Card
Welcome bonus
Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months – that’s a $200 cash redemption value.
20,000 bonus points
Annual fee
$0
Regular APR
20.24%, 25.24%, or 29.99% Variable APR
Credit score
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
(700 – 749) Good, Excellent
Earn unlimited 3X points on the things that really add up – like restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Plus, earn 1X points on other purchases.
Editor’s take
Pros
- Generous rewards rate across a wide range of categories.
- No annual fee.
- Introductory APR period on purchases.
Cons
- Minimal cardholder perks compared to other cards.
- Potentially high purchase APR after the introductory period.
- Lacks an intro APR period on balance transfers.
The Wells Fargo Autograph℠ Card comes with a generous rewards program likely to entice commuters — particularly those who use transit services — as well as foodies. It’s somewhat light on benefits, but for no annual fee, there’s a lot to love about the Autograph.
Card details
- Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
- Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months – that’s a $200 cash redemption value.
- Earn unlimited 3X points on the things that really add up – like restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Plus, earn 1X points on other purchases.
- $0 annual fee.
- 0% intro APR for 12 months from account opening on purchases. 20.24%, 25.24%, or 29.99% variable APR thereafter.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
- Redeem your rewards points for travel, gift cards, or statement credits. Or shop at millions of online stores and redeem your rewards when you check out with PayPal.
- Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
- Bilt World Elite Mastercard®: Best credit card for good credit.
- Wells Fargo Autograph℠ Card: Best for rewards bonus categories.
- Chase Sapphire Preferred® Card: Best for travel rewards.
- Chase Freedom Flex®*: Best for cash back.
- Citi Strata Premier℠Card*: Best credit card for attractions.
Why trust our credit card experts
Our team of experts evaluates hundreds of credit cards and analyzes thousands of data points to help you find the best card for your situation. We use a data-driven methodology to determine each rating. Advertisers do not influence our editorial content. You can read more about our methodology below.
- 116+ cards analyzed.
- 16+ data points analyzed.
- 5-step fact-checking process.
Best credit card for good credit
Bilt World Elite Mastercard®
BLUEPRINT RATING
Our ratings are based on specific use cases for each card. We compared this card to others in the same category and developed our rankings based on this criteria, along with our editorial input. Note that although we chose this card as the best in its category, the right card for you will depend on your own financial circ*mstances.
On Bilt’s secure website
BLUEPRINT RATING
Our ratings are based on specific use cases for each card. We compared this card to others in the same category and developed our rankings based on this criteria, along with our editorial input. Note that although we chose this card as the best in its category, the right card for you will depend on your own financial circ*mstances.
Welcome bonus
N/A
N/A
Annual fee
$0
Regular APR
See terms
Credit score
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
(700 – 749) Good, Excellent
1x on rent payments without a transaction fee (on up to 100,000 points each calendar year). 2x points on travel (when booked directly with an airline, hotel, car rental or cruise company). 3x points on dining. Plus, 1x points on other purchases. Use the card 5 times to earn points each statement period.
Editor’s take
Pros
- Earns rewards on rent payments.
- No transaction fee for paying rent by credit card.
- No annual fee or Foreign Currency Conversion Fee.
Cons
- You must make five transactions per billing period to earn rewards.
- No welcome bonus or intro APR period.
- Restrictive definition of what counts as a travel purchase.
The no-annual-fee Bilt Mastercard earns elevated rewards rates on dining and travel, lets you transfer those points 1:1 to multiple airline and hotel partners and offers a slew of helpful travel perks, like an Auto Rental Collision Damage Waiver and Cellular Telephone Protection.
Card details
- $0 annual fee
- Earn 3x points on dining, 2x points on travel (when booked directly with an airline, hotels, car rental agencies, and cruise lines), 1x points on rent payments without a transaction fee (on up to 100,000 points each calendar year) and 1x points on other purchases
- Earn double points on the first of the month (i.e. 6X points on dining, 4X on travel and 2X on other purchases; except rent)
- Earn points when you make 5 transactions that post each statement period
- Cellular Telephone Protection
- Purchase Security (theft and damage protection)
- Concierge Service
- Lyft Credits
- No Foreign Currency Conversion Fee
- Rewards & benefits terms
- Select ‘Apply Now’ to learn more about the product features, terms, and conditions.
Best for rewards bonus categories
Wells Fargo Autograph℠ Card
BLUEPRINT RATING
Our ratings are based on specific use cases for each card. We compared this card to others in the same category and developed our rankings based on this criteria, along with our editorial input. Note that although we chose this card as the best in its category, the right card for you will depend on your own financial circ*mstances.
On Wells Fargo’s secure website
BLUEPRINT RATING
Our ratings are based on specific use cases for each card. We compared this card to others in the same category and developed our rankings based on this criteria, along with our editorial input. Note that although we chose this card as the best in its category, the right card for you will depend on your own financial circ*mstances.
Welcome bonus
Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months – that’s a $200 cash redemption value.
20,000 bonus points
Annual fee
$0
Regular APR
20.24%, 25.24%, or 29.99% Variable APR
Credit score
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
(700 – 749) Good, Excellent
Earn unlimited 3X points on the things that really add up – like restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Plus, earn 1X points on other purchases.
Editor’s take
Pros
- Generous rewards rate across a wide range of categories.
- No annual fee.
- Introductory APR period on purchases.
Cons
- Minimal cardholder perks compared to other cards.
- Potentially high purchase APR after the introductory period.
- Lacks an intro APR period on balance transfers.
The Wells Fargo Autograph℠ Card comes with a generous rewards program likely to entice commuters — particularly those who use transit services — as well as foodies. It’s somewhat light on benefits, but for no annual fee, there’s a lot to love about the Autograph.
Card details
- Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
- Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months – that’s a $200 cash redemption value.
- Earn unlimited 3X points on the things that really add up – like restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Plus, earn 1X points on other purchases.
- $0 annual fee.
- 0% intro APR for 12 months from account opening on purchases. 20.24%, 25.24%, or 29.99% variable APR thereafter.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
- Redeem your rewards points for travel, gift cards, or statement credits. Or shop at millions of online stores and redeem your rewards when you check out with PayPal.
- Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
Best for travel rewards
Chase Sapphire Preferred® Card
BLUEPRINT RATING
Our ratings are based on specific use cases for each card. We compared this card to others in the same category and developed our rankings based on this criteria, along with our editorial input. Note that although we chose this card as the best in its category, the right card for you will depend on your own financial circ*mstances.
On Chase Bank USA, NA’s secure website
BLUEPRINT RATING
Our ratings are based on specific use cases for each card. We compared this card to others in the same category and developed our rankings based on this criteria, along with our editorial input. Note that although we chose this card as the best in its category, the right card for you will depend on your own financial circ*mstances.
Welcome bonus
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 when you redeem through Chase Travel℠.
60,000 bonus points
Annual fee
$95
Regular APR
21.49%-28.49% Variable
Credit score
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
(700 – 749) Good, Excellent
Earn 5x points on travel purchased through Chase Travel℠, 3x points on dining and 2x points on all other travel purchases, plus more.
Editor’s take
Pros
- Flexible points that can be transferred to 14 travel partners or redeemed through Chase Travel℠ at 1.25 cents each.
- $50 annual statement credit toward Chase Travel hotel bookings.
- Valuable travel protections.
Cons
- $95 annual fee.
- Category bonuses are limited and not competitive against other travel cards.
- Transfer partner list is limited compared to programs like Amex Membership® Rewards and Citi ThankYou®.
The Chase Sapphire Preferred may not have a premium fee but it comes packed with enough benefits to stand tall in a crowded field of travel cards. It earns rewards at generous rates on travel purchased through Chase and on dining, and offers the same lineup of transfer partners as the more expensive Chase Sapphire Reserve®, plus a robust selection of travel protections.
Card details
- Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 when you redeem through Chase Travel℠.
- Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
- Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
- Member FDIC
Best for cash back
Chase Freedom Flex®
* The information for the Chase Freedom Flex® has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.
BLUEPRINT RATING
Our ratings are based on specific use cases for each card. We compared this card to others in the same category and developed our rankings based on this criteria, along with our editorial input. Note that although we chose this card as the best in its category, the right card for you will depend on your own financial circ*mstances.
BLUEPRINT RATING
Our ratings are based on specific use cases for each card. We compared this card to others in the same category and developed our rankings based on this criteria, along with our editorial input. Note that although we chose this card as the best in its category, the right card for you will depend on your own financial circ*mstances.
Welcome bonus
Earn a $200 bonus after you spend $500 on purchases in your first 3 months from account opening,
$200 bonus
Annual fee
$0
Regular APR
20.49% – 29.24% Variable
Credit score
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
(700 – 749) Good, Excellent
Earn 5% cash back in categories that rotate quarterly on up to $1,500 when enrolled, 5% on travel purchased through Chase Travel℠, 3% on dining and drugstores and 1% on all other purchases.
Editor’s take
Pros
- Generous cash-back potential if you maximize rotating categories.
- Can pool rewards with a premium Ultimate Rewards®-earning card.
- Low intro APR periods on purchases and balance transfers.
Cons
- Rotating categories must be activated quarterly.
- Not all rotating categories will be a good fit for every cardholder.
- Takes work to track the various rewards categories.
The Chase Freedom Flex charges no annual fee, earns cash back in a wide variety of categories and offers a generous welcome bonus. It also comes with low intro APR periods on purchases and balance transfers. Last, but not least, Chase lets you redeem rewards in a variety of ways — including transferring them to a premium Ultimate Rewards®-earning card and enjoying 25% to 50% more value for travel bookings via Chase’s portal.
Card details
- Annual fee: $0.
- Rewards: 5% cash back on up to $1,500 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 bonus: Earn a $200 bonus after spending $500 on purchases in the first three months of account opening.
- APR: 0% intro APR for the first 15 months on purchases and balance transfers, then a variable APR of 20.49% to 29.24%. There is an intro balance transfer fee of either $5 or 3% of each transfer, whichever is greater, in the first 60 days. Then the fee is the greater of $5 or 5% of each transfer.
- Perks and benefits: Cellphone protection of up to $800 per claim with a $50 deductible, trip cancellation and interruption insurance, auto rental collision damage waiver, travel and emergency services, purchase protection and extended warranty.
Best credit card for attractions
Citi Strata Premier℠Card
* The information for the Citi Strata Premier℠Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.
BLUEPRINT RATING
Our ratings are based on specific use cases for each card. We compared this card to others in the same category and developed our rankings based on this criteria, along with our editorial input. Note that although we chose this card as the best in its category, the right card for you will depend on your own financial circ*mstances.
BLUEPRINT RATING
Our ratings are based on specific use cases for each card. We compared this card to others in the same category and developed our rankings based on this criteria, along with our editorial input. Note that although we chose this card as the best in its category, the right card for you will depend on your own financial circ*mstances.
Welcome bonus
Earn 75,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $750 in gift cards or travel rewards atthankyou.com.
75,000 points
Annual fee
$95
Regular APR
21.24% – 29.24% (Variable)
Credit score
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
(700 – 749) Good, Excellent
Earn a total of 10 ThankYou® Points per $1 spent on hotel, car rentals and attractions booked through CitiTravel.com, 3 points per $1 on air travel and other hotel purchases, at restaurants, supermarkets, gas stations and EV charging stations, 1 point per $1 on other purchases.
Card details
- Annual fee: $95.
- Rewards: 10 ThankYou® points per $1 spent on hotel, car rentals and attractions booked through CitiTravel.com, 3 points per $1 on air travel and other hotel purchases, at restaurants, supermarkets, gas stations and EV charging stations and 1 point per $1 on other purchases.
- Welcome bonus: 75,000 points after spending $4,000 on purchases in the first three months of account opening.
- APR: 21.24% to 29.24% variable APR on purchases and balance transfers.
- Foreign transaction fee:0%.
Compare the best cards for good credit
Credit Card
Credit score
Best For
Annual Fee
Welcome Bonus
Bilt World Elite Mastercard®
Good, Excellent (700 – 749)
Best credit card for good credit
$0
N/A N/A
Wells Fargo Autograph℠ Card
Good, Excellent (700 – 749)
Best for rewards bonus categories
$0
20,000 bonus points Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months – that’s a $200 cash redemption value.
Chase Sapphire Preferred® Card
Good, Excellent (700 – 749)
Best for travel rewards
$95
60,000 bonus points Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 when you redeem through Chase Travel℠.
Chase Freedom Flex®*The information for the Chase Freedom Flex® has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.
Good, Excellent (700 – 749)
Best for cash back
$0
$200 bonus Earn a $200 bonus after you spend $500 on purchases in your first 3 months from account opening,
Citi Strata Premier℠Card*The information for the Citi Strata Premier℠Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.
Good, Excellent (700 – 749)
Best credit card for attractions
$95
75,000 points Earn 75,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $750 in gift cards or travel rewards atthankyou.com.
Best credit cards for good credit of June 2024
Best credit card for good credit: Bilt World Elite Mastercard®
Why it’s the best
The Bilt World Elite Mastercard® is a solid credit card option for travel rewards fans — and renters in particular. A standout feature of the Bilt World Elite Mastercard is that it offers cardholders the ability to earn rewards on rent payments with no transaction fees.
In addition to rent rewards, the card offers a decent rewards rate on dining and direct travel purchases. Also, if you make a non-rent purchase on the first of the month, you can earn double points. The card also features no annual fee, Cellular Telephone Protection and a range of travel protection benefits, including Lyft Credits.
Pros:
- Earn rewards for paying rent with no transaction fees.
- No annual fee.
- Transfer partners available.
Cons:
- Requires five credit card transactions per statement period to earn rewards.
- No intro APR or welcome bonus.
- Other cards may offer higher rewards rates (although not on rent).
Card details:
- Annual fee: $0.
- Rewards: 1 point per $1 on rent payments without a transaction fee (on up to 100,000 points each year), 2 points per $1 on travel (when booked through the Bilt Travel Portal or directly with an airline, hotel, car rental or cruise company), 3 points per $1 on dining and 1 point per $1 on other purchases. At least five transactions must be made per statement period to earn these rewards.
- Welcome bonus: None.
- Foreign Currency Conversion Fee: None.
Best for rewards bonus categories: Wells Fargo Autograph℠ Card
Why it’s the best
The Wells Fargo Autograph℠ Card is a well-rounded rewards card that offers elevated rewards in multiple popular spending categories — restaurants, travel, gas stations, transit, plus eligible streaming services and phone plans. The card also features an introductory APR offer on purchases, giving extra breathing room to pay off larger expenses, along with a fairly attainable welcome offer.
You can use your rewards as statement credits, to book travel through the issuer or transfer them to a growing number of travel partners, making this a versatile card for both earning and redeeming rewards.
Pros:
- Generous bonus rewards categories.
- Introductory APR offer on new purchases.
- Attainable welcome offer.
Cons:
- Low rewards rate outside of bonus categories.
- No introductory APR on balance transfers.
- No premium travel perks.
Card details:
- Annual fee: $0.
- Rewards: 3 points per $1 at restaurants, travel, gas stations, transit, popular streaming services and phone plans and 1 point per $1 on other purchases.
- Welcome bonus: 20,000 points after spending $1,000 in purchases in the first three months of account opening.
- Foreign transaction fees: None.
Best for travel rewards: Chase Sapphire Preferred® Card
Why it’s the best
The Chase Sapphire Preferred® Card is a great choice for anyone who wants the opportunity to earn travel rewards and enjoy travel-related benefits for a low annual fee. The card offers generous rewards rates in several bonus spending categories, including dining, eligible streaming services, online grocery purchases and travel, making it easy to earn rewards on a range of everyday spending.
You can also book travel through Chase to earn bonus rewards or transfer your rewards to Chase’s travel partners to potentially stretch your points further. A generous welcome offer can give an early boost to your rewards balance, plus you’ll get an annual hotel credit and complimentary subscriptions to DoorDash and Instacart+.
Pros:
- Generous bonus rewards categories.
- Access to Chase’s travel partners.
- Lucrative welcome offer.
Cons:
- Has an annual fee.
- No premium travel perks such as lounge access or free anniversary nights.
- No introductory APR offers.
Card details:
- Annual fee: $95.
- Rewards: 5 points per $1 on travel purchased through Chase Travel℠, 3 points per $1 on dining, select streaming services, and online grocery purchases (excluding Walmart, Target and wholesale clubs), 2 points per $1 on all other travel purchases and 1 point per $1 on all other purchases.
- Welcome bonus: 60,000 points after spending $4,000 on purchases in the first three months of account opening.
- Foreign transaction fees: $0.
Best for cash back: Chase Freedom Flex®* The information for the Chase Freedom Flex® has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.
Why it’s the best
Fans of cash rewards may want to consider the Chase Freedom Flex®*The information for the Chase Freedom Flex® has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.. The no-annual-fee credit card offers rotating quarterly bonus categories (activation required) along with elevated cash rewards on dining, drugstore purchases and Chase Travel℠ purchases throughout the year. The welcome offer has a very attainable spending requirement and with introductory APR offers on both purchases and balance transfers, you’ll have extra time to pay off those early purchases with no added interest.
Pros:
- No annual fee.
- Introductory APR on purchases and balance transfers.
- Easy-to-earn welcome offer.
Cons:
- No access to travel partners without another Chase card.
- Must book travel through Chase Travel to earn elevated cash back.
- Charges foreign transaction fees.
Card details:
- Annual fee: $0.
- Rewards: 5% cash back on up to $1,500 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 bonus: $200 bonus after spending $500 on purchases in the first three months of account opening.
- Foreign transaction fees: 3% of each transaction in U.S. dollars.
Best credit card for attractions: Citi Strata Premier℠Card* The information for the Citi Strata Premier℠Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.
Why it’s the best
The Citi Strata Premier℠Card*The information for the Citi Strata Premier℠Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. offers respectable rewards for travelers — especially people looking to earn rewards on attraction-related purchases like theme park tickets. The card offers high rewards on hotels, car rentals and attractions booked through CitiTravel.com. There are bonus rewards on spending at restaurants, supermarkets and gas and EV charging stations, as well as on air travel and other hotel purchases.
With a big welcome offer for new cardholders and a $100 annual hotel credit ($100 off a single hotel stay of at least $500, excluding taxes and fees, when booked via the Citi travel portal) that can offset the annual fee, the card offers considerable value even if you only travel once a year for a big event.
Pros:
- Best card for attraction-related rewards.
- Transfer partners available.
- No foreign transaction fees.
Cons:
- Has an annual fee.
- No premium travel perks such as lounge access.
- Hotel credit has a spend requirement.
Card details:
- Annual fee: $95.
- Rewards: 10 ThankYou® points per $1 spent on hotel, car rentals and attractions booked through CitiTravel.com, 3 points per $1 on air travel and other hotel purchases, at restaurants, supermarkets, gas stations and EV charging stations and 1 point per $1 on other purchases.
- Welcome bonus: 75,000 points after spending $4,000 on purchases in the first three months of account opening.
- Foreign transaction fees: 0%.
Methodology
Our credit cards team has spent hours analyzing hundreds of credit cards. We took a deep dive into the details of each product and that analysis, combined with our years of experience covering credit cards, informed us as we developed these credit card rankings. Factors we considered included:
- Annual fee: 25%.
- Annual rewards earnings: 21%.
- Regular APR: 15%.
- Welcome offer: 10%.
- Intro APR on purchases: 6%.
- Intro APR on balance transfers: 6%.
- Foreign transaction fees: 5%.
- Cellphone protection: 3%.
- Lounge access: 2%.
- Primary insurance: 2%.
- Secondary insurance: 1%.
- Baggage delay insurance: 1%.
- Lost luggage insurance: 1%.
- Trip delay insurance: 1%.
- Trip cancellation: 1%.
How to choose a credit card for good credit
As you search for a credit card for good credit, take time to compare multiple offers before applying for a new account. Here are some credit card features to consider as you narrow down your options.
- Fees: Paying an annual fee can be worth it if the benefits you receive outweigh the expense. If you won’t actually use enough of an annual-fee card’s perks, go for a no annual fee credit card instead.
- Rewards: Find a card that offers rewards that fit your lifestyle. Look for cards with the highest rewards in the categories where you spend the most.And consider how you would get the most value out of your redemptions as well.
- Redemption: How you can redeem rewards is almost as important as how you earn them. Cash back is king when it comes to flexibility, but cards that earn travel points or transferable rewards can help you stretch your rewards further.
- Welcome offer: The potential to earn extra cash back or points when you open a new credit card can be appealing, but consider the minimum spending requirement and whether you can meet it with regular spending within the allotted time frame.
- APR: The best way to manage a credit card is to pay off your full balance on time every month. However, if you might occasionally revolve a balance on the account, find a credit card with the lowest interest rate.
- Other benefits: Many rewards credit cards feature additional benefits that could save you money if you take advantage of them, such as statement credits, cellphone protection, complimentary subscriptions and travel insurances. Find perks that align with your needs and avoid those you probably won’t use.
Is a good credit card right for me?
In the United States, most lenders use credit scores that range from 300 to 850. On this scale, a credit score of 670 or higher is typically considered to be a good credit score. Yet it’s important to understand that each credit card issuer sets its own approval criteria and decides for itself the minimum credit score applicants must have to qualify for a new account.
Before applying for a credit card for good credit, it’s important to look at your credit reports and credit scores. A credit check will enable you to see where you stand and give you a better sense as to whether or not you’re likely to meet a card issuer’s criteria.
Frequently asked questions (FAQs)
The most common types of credit scores that lenders use in the United States are FICO® Scores and VantageScore credit scores. With FICO Scores, a score of 670 to 739 is considered a good credit score. Most lenders consider a VantageScore credit score of 661 to 780 to be a good credit score as well.
Any credit card that reports to the three major credit bureaus — Equifax, TransUnion and Experian — has the potential to build and improve your credit score. Yet that same account could also have a negative impact on your credit score as well.
In the end, it’s the way you handle your credit card account that will determine whether it impacts your credit for better or worse.
Improving your credit score from good to excellent can take time. The most important rule to follow when trying to improve your credit is to always pay your credit obligations on time. Maintaining a low credit utilization ratio on your credit cards is also wise since this factor can also affect your credit score in a meaningful way.
In the United States, 90% of top lenders use FICO Scores. A good FICO Score ranges from 670 to 739. A fair FICO Score ranges from 580 to 669.
Having fair credit could make it more difficult to qualify for financing products, although you can get a credit card with fair credit. But if you work to improve your credit and earn a good credit score, you’re more likely to be eligible for better credit offers from lenders and credit card companies in the future.
*The information for the Chase Freedom Flex® and Citi Strata Premier℠Card has been collected independently by Blueprint.The card details on this page have not been reviewed or provided by the card issuer.
