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Best credit cards for good credit of July 2020

A good credit score is something to be proud of. CardRatings editors reveal the best credit cards for good credit including both consumer and business card options.
Jennifer Doss, CardRatings Editor Last Updated, July 3, 2020

Our credit card articles, reviews and ratings maintain strict editorial integrity; however we may be compensated when you click on or are approved for offers (terms apply) from our partners. How we make money.

best credit cards for good creditThough "good credit" isn't quite "excellent credit," it's still possible to qualify for some of the best credit cards from our partners; Even for top small business credit cards, which often offer some of the best bonuses.

It takes work to get to the "good" level, and just because you haven't (yet) reached "excellent" doesn't mean you shouldn't have access to some of the best credit cards on the market. If you've already run a credit score report and know that your credit score is "good" or higher, you've come to the right place! Read on to learn more about the best credit cards from our partners for those with good credit.

LIST OF WINNERS

BEST CASH-BACK REWARDS CARDS FOR GOOD CREDIT SCORES

5
About Our Ratings

Why We Like It: Sometimes simplicity can be the greatest reward of all. With this card you'll earn unlimited 1.5% cash back on all purchases, with no caps or rotating categories to worry about. If you don't mind rotating categories, this card has no annual fee so it's a great one to work into your rewards-earning strategy to help you optimize the amount of cash-back you earn. Or, if you just want to earn on every purchase you make without thinking about it, and without paying an annual fee, it's great for that too.

The Bonus: Earn $150 cash back once spending $500 within three months of account opening.

The Annual Fee: $0

The Rewards: Earn unlimited 1.5% cash back on all purchases.  

PROS:

  • The cash back rewards don't expire - unless you close the account. But as long as it is open, you can hang onto those rewards as long as you want.
  • Some nice perks, including car rental insurance, roadside assistance and extended warranty.
  • Chase gets a lot of high marks for good customer service, one of those features that seems kind of worthless until one not-so fine day you need to call customer service.

CONS:

  • Traveling internationally? Maybe you best leave this card behind. There is a 3% foreign transaction fee.
  • Want to transfer debt onto this card? Think about that carefully. There is a 5% balance transfer fee (well, $5 or 5% of the amount of each transfer, whichever is greater).

Read our full Chase Freedom Unlimited® review.

Capital One® Savor® Cash Rewards Credit Card

(This card is not currently available on CardRatings)
5
About Our Ratings

Why We Like It: Whether you eat out once a week or every night, you might as well be rewarded for it! With the Savor® credit card from Capital One, you'll earn unlimited 4% cash back on all dining and entertainment purchases putting more money back in your wallet for the things we all love most, you know, like dessert or an extra round of drinks. Plus, if you spend $3,000 with the card within your first three months of account membership you'll automatically earn a bonus of $300, helping you to pay off your next bill, or to use for something special like a three-star Michelin meal or tickets to a Broadway show. And the rewards don't stop there! Outside of dining and entertainment purchases, users earn an attractive 2% on grocery purchases, and 1% on everything else, so even if you don't dine out often, you'll still be rewarded for doing something we all do every single day— eating!

The Bonus: Earn $300 cash back after you spend $3,000 in your first three months of account membership.

The Annual Fee: $0 intro for first year; $95 after that

The Rewards: Earn unlimited 4% cash back on dining and entertainment purchases, 2% at grocery stores, and 1% on all other purchases. 

PROS:

  • Doing something fun? With this card, you'll receive complimentary comprehensive, personalized assistance in dining, entertainment and travel— 24 hours a day, 365 days a year.
  • Traveling? And did something go wrong? If you used your credit card to purchase your tickets or hotel room or whatnot, you'll get automatic insurance for a covered loss at no extra charge.
  • Buying something? You'll get additional warranty protection at no charge on eligible items that are purchased with your credit card.

CONS:

  • The signup bonus is great, but there's no 0% introductory period where you can buy stuff or transfer money without interest. But, you know, you can't have it all.
  • If you aren't a foodie, you can probably find other rewards cards you'd benefit from more.

See our full Capital One® Savor® Cash Rewards Credit Card review.

Blue Cash Preferred® Card from American Express

(This card is not currently available on CardRatings)

4
About Our Ratings

Why We Like It: Thanks to 6% cash back on U.S. supermarket purchases (up to $6,000 annually, then 1%) and 3% cash back at gas stations (among other cash back rewards discussed below), the Blue Cash Preferred® Card from American Express earns you money just for shopping on everyday necessities. In addition to this, if you spend $1,000 within the first three months of opening an account, you can earn a $250 statement credit. Earn money just for purchasing things you'd need to regardless! With this card, suddenly mundane tasks like grocery shopping and filling up your tank feel fun! American Express is a CardRatings advertiser.

The Bonus: Earn $250 cash back after you spend $1,000 in your first three months of account membership.

The Annual Fee: $95.

The Rewards: Earn 6% cash back on purchases made at U.S. supermarkets (up to $6,000 spent annually, then 1%) and on select U.S. streaming subscriptions; unlimited 3% cash back on purchases made at U.S. gas stations and on transit such as rideshares, parking, tolls, train fares and more; and 1% cash back on all other purchases.

PROS:

  • The card has dispute resolution and return protection policies that make it easier to dispute a charge that you say isn't yours - or to return items that stores are refusing to take back.
  • The global assist hotline should be a huge help if you're traveling and wind up losing your passport, luggage, or if you're somewhere far-flung and have translation problems.
  • There is a nice introductory offer of 0% APR on all purchases and balance transfers for the first 12 months after card activation. After that, the rate is12.99% - 23.99% Variable, based on your creditworthiness.

CONS:

  • There's a balance transfer fee to be aware of - $5 or 3% of the total transfer amount, whichever is the larger amount.
  • You'll also want to take note that there's a foreign transaction fee of 2.7%, which is better than 3% that a lot of cards have. That said, a lot of credit cards have no foreign transaction fee.

Read our full Blue Cash Preferred® Card from American Express review.

Chase Freedom®

(This card is not currently available on CardRatings)

5
About Our Ratings

Why We Like It: If you, like many people, spend more money in certain categories during particular periods of the year than others (think gas purchases during the summer for family vacations, heavy department store shopping October-December for the holidays) the Chase Freedom® credit card might be a good option for you, especially if using it alongside the no-annual-fee Chase Freedom Unlimited® .

The Bonus: Earn $150 cash back after you spend $500 in your first three months of account membership, plus enjoy a 15-month intro period of 0% purchase and balance transfer APR (then, 16.49% - 25.24% Variable).

The Annual Fee: $0

The Rewards: Earn 5% cash back on up to $1,500 quarterly in combined purchases in bonus categories (category examples: gas stations, grocery and department stores, and Internet, cable, and phone services) each quarter you activate, and 1% cash back on all other purchases all year long.

The information related this credit card has been collected by CardRatings and has not been reviewed or provided by the issuer of this card.

PROS:

  • No annual fee. That's always nice.
  • You receive travel and emergency assistance with this card. So if you get in trouble with the law or need a hospital while you're traveling, Chase Freedom will help you work out the details (but you do have to pay for a lawyer, the doctor and whatever or whomever else they put you in touch with).
  • Roadside assistance. If you need a tow, a jump start, a tire change and so on, your card can put you in touch with the professionals to help you (but you will have to pay for the roadside service fees).

CONS:

  • You may not feel so free to travel with Chase Freedom; there's a 3% foreign transaction fee on purchases made abroad.
  • Do you have another Chase credit card? If you've received a bonus from one of them in the last two years, you might not qualify for this sign-up bonus.

Read our full Chase Freedom® review.

Capital One® Quicksilver® Cash Rewards Credit Card

(This card is not currently available on CardRatings)
5
About Our Ratings

Why We Like It: With no rotating categories or spending caps to worry about, the Capital One® Quicksilver® Cash Rewards Credit Card is a simple way to put money back in your pocket, on every purchase, every day. With unlimited 1.5% cash back earned on every purchase, the Capital One® Quicksilver® Cash Rewards Credit Card rewards you for every purchase you make, no matter the amount, no matter the category. It's as simple as that.

The Bonus: Earn $150 cash back after you spend $500 in your first three months of account membership, plus enjoy a 15 month intro period of 0% purchase and balance transfer APR (then, 15.49% - 25.49% (Variable)).

The Annual Fee: $0

The Rewards: Earn unlimited 1.5% cash back on every purchase, every day.

PROS:

  • There's no foreign transaction fee, which makes this a great credit card to use while traveling abroad.
  • There aren't onerous restrictions on redeeming your cash back. Redeem it for any amount, any time.
  • We've mentioned the sign-up bonus obviously, but one nice thing - you don't have to spend a lot of money - just $500 - before you get it. That's a plus.

CONS:

  • The straightforward cash back earning of 1.5% on every purchase is great for simple rewards, but there are cards on the market with higher rewards on specific categories that you could maximize your rewards earning with.
  • Do keep in mind that there is a (very common, nothing shady about it) 3% balance transfer fee if you transfer money from another card during the 15-month 0% APR introductory period.

Read our full review of the Capital One® Quicksilver® Cash Rewards Credit Card.

BEST TRAVEL REWARDS CARDS FOR GOOD CREDIT SCORES

Chase Sapphire Preferred® Card

(This card is not currently available on CardRatings)

5
About Our Ratings

Why We Like It: Since Chase rewards points can be redeemed through the Chase travel portal or transferred directly at a 1:1 ratio to a number of airline and hotel loyalty programs, the Chase Sapphire Preferred® Card gives its cardholders the freedom they long for when using their rewards points to book a trip, making it an ideal option for those who are not loyal to one particular airline or hotel brand when they travel. Furthermore, when redeeming for travel with Chase Ultimate Rewards® get 25% more value, adding more bang to your redemption buck.

The Bonus: Receive 60,000 bonus points after you spend $4,000 on purchases in your first three months of account membership, equivalent to $750 in travel when redeemed through Chase Ultimate Rewards®.

The Annual Fee: $95

The Rewards: Earn two points on travel and dining at restaurants and one point on everything else. Plus earn five points on Lyft rides through March 2022. That's three points in addition to the two points you already earn on travel. You'll also get 25% more value when you redeem your points for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®.

The information related this credit card has been collected by CardRatings and has not been reviewed or provided by the issuer of this card.

PROS:

  • Travelers are sure to love that the 60,000 bonus points new cardholders can earn are worth $750 in travel rewards.
  • No foreign transaction fees.
  • Baggage delay insurance. If your luggage winds up in some faraway land, and you don't see it for more than six hours, you'll get reimbursed up to $100 a day for five days. After day six, though, you're on your own.

CONS:

  • It's not a great card for balance transfers, though the charge for them is in line with other cards– $5 or 5% of the amount of each transfer, whichever is greater.
  • This card charges a $95 annual fee.

Read our full Chase Sapphire Preferred® Card review.

Capital One® Venture® Rewards Credit Card

(This card is not currently available on CardRatings)

5
About Our Ratings

Why We Like It: If the large bonus of 50,000 miles offer doesn't capture your attention, perhaps the ongoing high rewards rate will. Venture cardholders receive two times the miles on every purchase, uncapped. Rewards can then be redeemed toward any flight, hotel stay, car rental, or cruise, among other travel-related purchases, with no blackout dates to worry about. Plus, you can transfer your miles to several leading travel loyalty programs.

The card comes with no foreign transaction fees when making purchases outside of the United States, as well as an application fee refund of up to $100 for your Global Entry or TSA Pre✓™ application, a perk normally reserved for credit cards with much higher annual fees.

The Bonus: Receive 50,000 miles (equal to $500 in travel) after you spend $3,000 on purchases within your first three months your account is opened.

The Annual Fee: $0 intro for first year; $95 after that

The Rewards: Earn two miles for every $1 spent without a cap or category to consider. 

PROS:

  • Driving a rental car? With this card, you'll get an auto rental collision damage waiver.
  • And if you break down with the rental car? Or your own car? You'll get roadside assistance.
  • And you can afford to pay for a rental car in another country, this card has no foreign transaction fees.

CONS:

  • You may find the list of airlines that the card partners with lacking. Not a lot of big American airline names.
  • Yes, it's waived the first year, but the $95 annual fee may be off-putting.

Read our full Capital One® Venture® Rewards Credit Card review.

Wells Fargo Propel American Express® card

(This card is not currently available on CardRatings)

5
About Our Ratings

Why We Like It: Thanks to no annual fee, no foreign transaction fees, and three points earned on every travel purchase, the Wells Fargo Propel American Express® card truly is a great option for any frequent traveler with good credit. Not only do cardholders receive unlimited three points on restaurant purchases, gas, ride shares, transit, flights, hotels, home stays, car rentals, and on popular streaming services, but they can also earn 20,000 bonus points when spending $1,000 in purchases in the first three months– that's a $200 cash redemption value. Other perks worth noting include a 0% intro APR for 12 months on purchases and qualifying balance transfers (fees apply), then a 13.99%-25.99% Variable APR; balance transfers made within 120 days qualify for the intro rate and fee. There is also $1,200 of annual cell phone protection (up to $600 per claim with a $25 deductible).

The Bonus: Earn 20,000 bonus points when you spend $1,000 in purchases in the first three months&ndas that's a $200 cash redemption value.

The Annual Fee: $0

The Rewards: Earn three points on restaurant purchases, gas, ride shares, transit, flights, hotels, home stays, car rentals, and popular streaming services, and one point on all other purchases.

PROS:

  • No annual fee.
  • About to lose your mind because you've lost your luggage? This card has lost-luggage reimbursement - up to $1,000 per trip (no more than $250 can be jewelry or fur).
  • Cardholders who pay their wireless bill using this card are eligible for cell phone protection should their phone be stolen or damaged.

CONS:

  • The cash back is redeemed in $20 or $25 increments, which could be slightly inconvenient.
  • If you're an enthusiastic Wells Fargo credit card holder already, hopefully you haven't opened a card within the last 15 months. If so, and you received a bonus or introductory APR with another Wells Fargo card, you may not be able to get the deals for new cardholders with this card.

Read our full Wells Fargo Propel American Express® card review.

BEST LOW INTEREST CARDS FOR GOOD CREDIT SCORES

Wells Fargo Platinum card

(This card is not currently available on CardRatings)

5
About Our Ratings

Why We Like It: With 0% intro APR on purchases and qualifying balance transfers for the first 18 months of card ownership (then 15.49%-24.99% Variable), this card is a no frills, no-annual-fee credit card you can count on to snag you a bit of extra time to pay off consolidated credit card debt or pay for large ticket items over time. Plus, cardholders can also enjoy a little more comfort with an item that most of us carry everywhere– a cell phone– with up to $600 in cell phone protection, when the cell phone bill is paid with your card. You can also enjoy easy access to your FICO® Credit Score with Wells Fargo Online®.

The Bonus: Enjoy a long, 18-month intro period of 0% APR on purchases and balance transfers. After the intro period, a 15.49%-24.99% Variable APR rate will apply.

The Annual Fee: $0

The Rewards: Up to $600 (subject to a $25 deductible) in cell phone protection when you pay your monthly cell phone bill with your eligible Wells Fargo consumer credit card.

PROS:

  • If you're a Wells Fargo customer, having this card rather than another non-Wells Fargo credit card may make your banking more simplified.
  • Zero Liability protection for unauthorized transactions. You'd expect that on any credit card, but still, it's good to know.
  • This card offers budgeting and money management tools, and many of us can use all the personal finance help we can get.

CONS:

  • No sign-up offer, which is a bummer.
  • You may want to leave this card at home if you're traveling internationally. It has a 3% foreign transaction fee.

Read our full Wells Fargo Platinum card review.

BEST SMALL BUSINESS CREDIT CARDS FOR GOOD CREDIT SCORES

Ink Business Preferred® Credit Card

(This card is not currently available on CardRatings)
5
About Our Ratings

Why We Like It: This card offers a staggering welcome bonus, but it's loaded with a number of valuable ongoing rewards as well to keep membership satisfying. It's a great card for business owners and frequent travelers as it offers the opportunity to earn three points per dollar on up to $150,000 spent annually on travel expenses; shipping costs; Internet, cable, and phone services; and advertising purchases made with social media sites and search engines. After the $150k cap, and on all other purchases, cardholders earn one point per $1.

The Bonus: Earn 100k bonus points after you spend $15,000 on purchases in the first three months from account opening. To put that in perspective, 100,000 Ultimate Rewards® points are worth up to $1,250 in travel, or $1,000 in cash.

The Annual Fee: $95

The Rewards: Earn three points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year and then one per dollar on all other purchases. Points are worth 25% more when redeemed for travel through Chase Ultimate Rewards®.

The information related this credit card has been collected by CardRatings and has not been reviewed or provided by the issuer of this card.

PROS:

  • This credit card comes with trip cancellation/interruption insurance. If you're on a trip, and something goes really wrong - like you can't go on the trip - and the money is nonrefundable (i.e., a vacation package that you bought that, well, isn't refundable), you could be eligible to have your money returned ($5,000 per person/$10,000 per trip).
  • The card also has an extended warranty. Purchases with a U.S. manufacturer's warranty of three years or less will get coverage for another year.
  • And if you want employees to have their own cards, you can do that - no extra charge. Some business credit cards inexplicably do charge for that, so we'll take this as a win.

CONS:

  • The usual complaint - there's a $95 annual fee, but that we can't find something else to fret over should be a sign to you that this is a good card.
  • It's not a great card for balance transfers, however. No balance transfer offers, and the balance transfer fee is $5 or 5% of the amount of each transfer, whichever is greater.

Read our full review of the Ink Business Preferred® Credit Card.

Ink Business Cash℠ Credit Card

(This card is not currently available on CardRatings)

5
About Our Ratings

Why We Like It: Another good option in the Chase Ink family, this no-annual-fee card offers users bonus cash back in select business categories as well as on gas and restaurant purchases, and the welcome bonus is pretty solid too, especially for a card with no annual fees. As an added bonus, new cardholders can enjoy 12 long months of intro 0% APR on new purchases (then 14.74% - 20.74% Variable).

The Bonus: Earn $500 bonus cash back after you spend $3,000 on purchases in the first three months from account opening.

The Annual Fee: $0

The Rewards: Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year; 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year; and 1% cash back on all other card purchases with no limit to the amount you can earn.

The information related this credit card has been collected by CardRatings and has not been reviewed or provided by the issuer of this card.

PROS:

  • This card has a special app designed just for Ink cardholders, which means you'll get small business credit card tools, such as the ability to save receipts in the app and update employee spend limits.
  • Car rental insurance is one of the many perks with this card. If you pay for car rental with this credit card, and somebody sideswipes your car, or worse, steals it, the card offers primary coverage.
  • Purchase protection is another nice perk. So let's say you buy an item with your Ink card, and it's banged up or even stolen (maybe along with your rental car), you could be covered up to $10,000 per claim (up to $50,000 per account).

CONS:

  • Not every business buys office supplies and spends a ton of internet-cable-phone services. If your business doesn't pay much for your communications, and you simply don't buy many printer cartridges, computer paper and so on, you may want to look at other business credit cards.
  • It's not the best business card for an international business trip, thanks to the 3% foreign transaction fee.

Read our full Ink Business Cash℠ Credit Card review.

American Express Blue Business Cash™ Card

(This card is not currently available on CardRatings)

5
About Our Ratings

Why We Like It: This is a good option if you don't want to worry about which categories earn you bonus cash back as it earns 2% on all purchases, up to $50,000 per calendar year, then 1%. Not bad for a card with no annual fee. There's also an intro 0% APR for 12 months on purchases, which is great for any business owner who is looking to make a large purchase or who needs some extra time to pay off an existing balance. After the intro period, a regular 13.24% - 19.24% Variable APR will apply.

The Bonus: There's no traditional bonus offered with this card, however, we consider the 0% intro APR period to be a very valuable bonus of sorts.

The Annual Fee: No annual fee

The Rewards: Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.

PROS:

  • If you or an employee are in a rental car (that you paid for with this car), and it's damaged, and your insurance won't pay for everything, you're covered with the card's secondary insurance.
  • You might appreciate the Global Assist feature. If you're more than 100 miles away from home and something goes wrong, Global Assist includes 24/7 emergency assistance and coordination services for issues such as medical, legal, or passport referrals, missing luggage problems and emergency cash wires. You will, though, be charged for using any third-party services.
  • The perk of expanded buying power. Let's say that you and another employee who has the card make some large purchases, and your account goes over the limit, you'll both be able to pay for the items. Your card, in other words, won't be declined, and nobody will slink out of a store's exit and to their car in shame. (Also, you won't get an over-the-limit fee.)

CONS:

  • Yes, the intro 0% APR on purchases for the first 12 months is cool, but there's no welcome bonus. Some potential cardholders might be disappointed to hear that.
  • There's a 2.7% foreign transaction fee.
  • This isn't a card with a lot of travel rewards, but given the foreign transaction fee, which practically begs this card to be left home on international trips, maybe that isn't surprising.

Read our full American Express Blue Business Cash™ Card review.

WHO SHOULD APPLY FOR A CREDIT CARD FOR GOOD CREDIT?

Many credit card companies state "good/excellent" when advertising the status of credit needed to apply for a particular card; however, you'll sometimes see that just "excellent" is stated. We recommend that you do not apply for cards requiring "excellent credit" if you have not yet reached this status. Instead, focus only on those cards that stipulate "good," or "good/excellent" if your credit is on the upper end of "good." If you apply for multiple cards and are denied repeatedly, these credit card inquiries can end up lowering your credit score, so it's better to err on the side of caution when it comes to applying for a new credit card and only apply for cards that you know your credit score is acceptable. If you don't know your credit score, sign up for a free credit score, credit report card, as well as a personal credit analysis with our preferred partner, Credit Sesame.


To see the rates and fees for the cards featured in this post, please visit the following links: Blue Cash Preferred® Card from American Express (See Rates and Fees); American Express Blue Business Cash™ Card (See Rates and Fees)

Disclaimer: The information in this article is believed to be accurate as of the date it was written. Please keep in mind that credit card offers change frequently. Therefore, we cannot guarantee the accuracy of the information in this article. Reasonable efforts are made to maintain accurate information. See the online credit card application for full terms and conditions on offers and rewards. Please verify all terms and conditions of any credit card prior to applying.

This content is not provided by any company mentioned in this article. Any opinions, analyses, reviews or recommendations expressed here are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any such company. CardRatings.com does not review every company or every offer available on the market.

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