Best Cards for Good or Excellent Credit

• Earn cash back twice. Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
• To earn cash back, pay at least the minimum due on time.
• Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.99% – 23.99%, based on your creditworthiness.
• Balance Transfers do not earn cash back.
• If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
• There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
• The standard variable APR for Citi Flex Plan is 13.99% – 23.99% based on your creditworthiness. Citi Flex Plan offers are made available at Citi’s discretion.

Occasional travelers can feel right at home using the Chase Sapphire Preferred® Card, with solid travel features for a reasonable annual fee.

If you travel more often you’ll probably want something bigger and better, to help you get the most out of your trips — check out the premium travel cards below if that sounds like you.

• 5X Ultimate Rewards points per dollar on Lyft rides
• 2X Ultimate Rewards points per dollar on:
  • Travel
  • Dining
• 1X Ultimate Rewards point per dollar for every other purchase
• 60,000 bonus points for spending $4,000 in the first 3 months after account opening
  • Value: $600–$1,200 (assuming 1–2 cents per point)
  • Return on spend: 15%–30%

• 25% point bonus: When redeeming for travel expenses through Chase Ultimate Rewards
• Point transfer: Transfer points at a 1:1 rate to leading airline and hotel frequent travel loyalty programs, like Marriott Bonvoy and United MileagePlus.
• DoorDash membership: A free membership (DashPass) for at least a year, which provides free delivery and reduced service fees on orders over $12
• 15,000-point referral bonus: Get 15,000 points for every friend you refer who applies for the card and is approved, up to 75,000 bonus points per year.
• Luxury Hotel and Resort Collection: Book eligible rooms to get perks like daily breakfast for two, complimentary WiFi, room upgrades, early check-in or late checkout, and unique gifts.
• Shop through Chase/Chase Offers: Earn more points by shopping at participating retailers with the Shop through Chase and Chase Offers shopping portals.
• Visa Signature Concierge: Call to speak with your Visa Signature Concierge any time, day or night.
• Primary Auto Rental Collision Damage Waiver: Get primary coverage on eligible rental vehicles so you don’t have to pay for rental insurance and your premiums won’t go up after an accident.
• Annual fee: $95

• Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 toward travel when you redeem through Chase Ultimate Rewards®
• 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
• Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 60,000 points are worth $750 toward travel
• Get unlimited deliveries with a $0 delivery fee and reduced service fees on orders over $12 for a minimum of one year on qualifying food purchases with DashPass, DoorDash’s subscription service. Activate by 12/31/21.
• Earn 5X points on Lyft rides through March 2022. That’s 3X points in addition to the 2X points you already earn on travel.

The PenFed Platinum Rewards Visa Signature® Card kinda comes out of left field, but it’s not hard to say that this is an excellent rewards card for gas.

You’ll be hard-pressed to find an unlimited 5X points for gas year-round on other cards. Usually you’ll have a spending limit, or the category will only be available for a few months out of the year.

There are a few other handy features, like other bonus categories and no foreign transaction fee. You’ll need to be a PenFed member to apply, though.

• Visa Signature Luxury Hotel Collection: Enjoy a variety of perks, like automatic room upgrades, complimentary in-room WiFi, and more, at more than 900 hotels around the world.
• Visa Signature Concierge: Call for non-emergency help whenever you need it, like assistance making dining or travel reservations.
• Free FICO credit score: Check your FICO NextGen credit score for free whenever you’d like, based on your Equifax credit report.
• Shopping and travel protections: Purchase Protection, Extended Warranty, Roadside Assistance, Car Rental Collision Damage Waiver, and more
• No foreign transaction fee
• Annual fee: $0

• $100 statement bonus after spending $1,500 in purchase transactions within the first 90 days of account opening.
• 0% promotional rate for 12 months on balance transfers made between now and September 30, 2020. After that, the APR for the unpaid balance and any new balance transfers will be a non-variable rate of 17.99%. 3% balance transfer fee per transaction. Subject to credit approval. If you take advantage of this balance transfer, you will immediately be charged interest on all purchases made with your credit card unless you pay the entire account balance, including balance transfers, in full each month by the payment due date.
• Rate and offers current as of July 1, 2020 and subject to change.
• Earn 5 points on gas purchases at the pump. Fuel purchases for airplanes and boats do not receive cash back rewards.
• Earn 3 points on supermarket purchases (3 points/dollar spent)
• Earn 1 point on all other purchases (1 point/dollar spent)
• No annual fee
• No foreign transaction fees
• No cash advance fee
• Chip and Contactless ‘Tap to Pay’ enabled for added security, ease and convenience at the point of sale
• Click and Pay eligible, via Secure Remote Commerce, so you can enjoy easy and secure online buying checkout
• Purchase variable rate as low As 13.49% APR and capped at 17.99%

• Earn a $250 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
• 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). 1% Cash Back on other purchases.
• Low intro APR: 0% for 12 months on purchases from the date of account opening, then a variable rate, currently 13.99% to 23.99%.
• Plan It® gives the option to select purchases of $100 or more to split up into monthly payments with a fixed fee and no interest.
• Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.
• $95 Annual Fee
• Terms Apply.
• See Rates & Fees

When transferring a balance you typically want the longest possible 0% introductory APR period, and that’s what you’ll get from the U.S. Bank Visa® Platinum Card.

You’ll get the same intro period for purchases, and there isn’t much else to this card. But if you want to pay down a large existing balance over time at no interest, you should look no further.

• Citi Entertainment: Access to presale and preferred tickets to concerts, sporting events, dining experiences, and more.
• Say “representative” when you call: Speak with a customer support rep more quickly.
• Balance Transfer APR: 0% for 20 billing cycles, then 14.99%–24.99% Variable
• Purchase APR: 0% for 20 billing cycles, then 14.99%–24.99% Variable
• Annual fee: $0

• 0% introductory APR for 20 billing cycles on purchases and balance transfers, then 14.99%–24.99% Variable
• Savings at various retailers through Visa Discounts
• Travel and shopping protections
• Cell Phone Protection
• Free VantageScore based on your TransUnion credit report
• No annual fee

The Business Platinum Card® from American Express (Review) is a business travel powerhouse, thanks to its unparalleled airport lounge access and hotel benefits. There are also some specific business perks like Dell credits and WeWork access, so explore the card to see if your company can actually use the major features.

Take note that you’ll earn 5X points on flights booked with airlines, but you’ll need to book through Amex Travel to earn that rewards rate on hotels. Some other cards are a bit more generous with their travel categories, like some of the runners up below and premium travel cards above.

• 5X Membership Rewards points per dollar on:
  • Flights booked directly with airlines or through Amex Travel
  • Prepaid hotels booked through Amex Travel
• 2X Membership Rewards points per dollar on other eligible travel expenses booked through Amex Travel
• 1.5X Membership Rewards points per dollar on purchases over $5,000, up to 1 million additional points per year (then 1X)
• 1X Membership Rewards point per dollar for every other purchase
• 75,000 bonus points for spending $15,000 in the first 3 months

• Global Lounge Collection: Complimentary access to Priority Pass, Centurion, American Express International, Delta Sky Club, Escape, Airspace, Lufthansa, and Plaza Premium Lounges
• Up to $200 in airline fee statement credits annually: Good for incidental costs like checked bags and inflight food, not tickets, at your selected airline
• Global Entry or TSA PreCheck application fee credit: A statement credit for the application fee of either Global Entry ($100 every four years) or TSA PreCheck ($85 every four-and-a-half years)
• Elite hotel statuses: Hilton Honors Gold status and Marriott Bonvoy Gold Elite status
• $200 Dell statement credit: Enroll to get an annual $200 statement credit for U.S. purchases with Dell: $100 from January through June, and $100 from July through December (COVID-19 update: Now get $200 in additional credits; $100 from 5/1/20–6/30/20, and $100 from 7/1/20–12/31/20).
• $320 wireless telephone & shipping credit: Get up to $320 in statement credits for wireless telephone services purchased directly from U.S. providers and U.S. purchases for shipping (up to $20 per month each, until 12/31/20).
• The Hotel Collection: A $100 hotel credit and room upgrades when available for every eligible two-night stay
• Point transfer: To a selection of airline and hotel partners
• No foreign transaction fees (Rates & Fees)
  
• Annual fee: $595
• Charge card: You must pay your balance in full each month.

• Earn 75,000 Membership Rewards® points after you spend $15,000 on qualifying purchases within your first 3 months of Card Membership.
• Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com.
• Get 50% more Membership Rewards® points. That’s an extra half point per dollar, on each eligible purchase of $5,000 or more. You can get up to 1 million additional points per year.
• Enroll to get up to $200 in statement credits annually by getting up to $100 semi-annually for U.S. purchases with Dell. Terms apply.
• 35% Airline Bonus: Use Membership Rewards® Pay with Points for all or part of a flight with your selected qualifying airline, and you can get 35% of the points back, up to 500,000 bonus points per calendar year when you book on amextravel.com.
• Terms Apply
• See Rates & Fees