Best credit cards of current year

Best credit cards for good credit of March 2024

A good credit score can open the door to you for credit cards with superb welcome offers, high ongoing rewards and even features like introductory 0% APR periods. In other words, there are a lot of options for people with “good” credit scores, whether you’re on the hunt for a personal credit card or one for your small business. View More

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. View Less

author Jennifer Doss
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At CardRatings.com we discuss the most up-to-date news and trends within the credit card space. Since we first pioneered the concept of online credit card reviews in 1998, our team of financial experts has provided comprehensive and unbiased credit card reviews for more than 175 cards, plus hundreds of additional resource articles to help educate everyday cardholders so they can feel more confident about their card choices. All our content is written and reviewed by industry experts. Though our content may occasionally contain references to products from our partners, we maintain strict editorial integrity and advertiser relationships and compensation never influences ratings, reviews or featured products. The difference between editorial content and advertising must always be clearly stated. Learn more.

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CardName discontinued 

EditorRating
 
foreign_fee AnnualFees
Why We Like It: Since Chase 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 CardName 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 you can get 25% more value, adding more bang to your redemption buck.

Read our full CardName review.

Welcome Bonus
60,000 points Earn 60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening. That's $750 when you redeem for travel through Chase Ultimate Rewards.
Annual Fee
AnnualFees
Regular APR
RegAPR
Credit Score
CreditScoreNeeded

PROS:

  • Travelers are sure to love that the 60,000 bonus points new cardholders can earn are worth $750 in travel through the Ultimate Rewards portal. That's huge!
  • Receive a $50 hotel credit annually for a stay booked through the Ultimate Rewards portal.
  • 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:

  • If your expenses are all over the place, this might not be the card for you as its bonus rewards categories are largely related to travel.
  • This card charges a AnnualFees annual fee.
Current Scores Past Scores
Overall Score 80.3 86.6
Rewards Program Satisfaction 7.8 8.6
Customer Service 8.0 8.7
Website/App Usability 8.3 8.8
Likelihood of Continuing to Use 8.4 8.7
Recommend to a Friend/Colleague 8.1 8.6

*Scores above reflect the results of surveys with actual cardholders. Full methodology below.

CardName discontinued 

EditorRating
 
foreign_fee AnnualFees
Why We Like It: This card offers all kinds of rewards-earning possibilities on everyday spending. And, at its base, you earn at least 1.5% cash back on every purchase. However, it's the potential to earn a lot more than that that catches our attention.

Read our full CardName review.

Special Offer
Additional 1.5% cash back Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
Annual Fee
AnnualFees
Regular APR
RegAPR
Credit Score
CreditScoreNeeded

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.
  • Your cash back accumulates as Chase Travel, which means you can combine rewards from this no-annual fee card with a Chase premium card to maximize your earning and your value.

CONS:

  • Traveling internationally or shopping in foreign currency? Maybe you best leave this card behind. There are foreign transaction fees to consider.
  • The rewards structure isn't simple. Sure, you'll earn at least 1.5% cash back, but to truly get the most from this card, you'll want to think about how and when you use it.
Current Scores Past Scores
Overall Score 78.9 85.0
Rewards Program Satisfaction 7.8 8.4
Customer Service 7.7 8.6
Website/App Usability 8.0 8.9
Likelihood of Continuing to Use 8.6 9.0
Recommend to a Friend/Colleague 7.9 8.1

*Scores above reflect the results of surveys with actual cardholders. Full methodology below.

CardName discontinued 

EditorRating
 
foreign_fee AnnualFees
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 CardName earns you money just for shopping on everyday necessities. American Express is a CardRatings advertiser.

Read our full CardName review.

Welcome Bonus
$250 statement credit Earn a $250 statement credit after you spend $3,000 in purchases on your new card within the first six months.
Annual Fee
AnnualFees
Regular APR
RegAPR
Credit Score
CreditScoreNeeded

PROS:

  • This is a fantastic card for anyone who spends heavily on groceries thanks to 6% cash back earned on U.S. supermarket purchases (up to $6,000 annually, then 1%).
  • Not only does this card earn bonus rewards on select U.S. streaming services, but it can help you save in other ways on streaming purchases, too. You can earn $7 per month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Preferred card (enrollment required).
  • 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 is RegAPR, based on your creditworthiness.

CONS:

  • If you eat out more than you cook at home, this might not be the best card for you.
  • 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.
Current Scores Past Scores
Overall Score 78.5 78.2
Rewards Program Satisfaction 7.6 7.8
Customer Service 7.7 8.0
Website/App Usability 8.1 7.7
Likelihood of Continuing to Use 8.3 8.2
Recommend to a Friend/Colleague 8.2 7.5

*Scores above reflect the results of surveys with actual cardholders. Full methodology below.

CardName discontinued 

EditorRating
 
foreign_fee AnnualFees
Why We Like It: ThankYou® Points are a nice reward currency to have around as they can be redeemed directly for travel, gifts cards and more or they can be transferred to a number of travel loyalty programs. It's also nice that this card offers some appealing additional perks, including a newly added annual hotel bonus credit. Citi is a CardRatings advertiser.

Read our full CardName review.

Welcome Bonus
60,000 points Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first three months of account opening.
Annual Fee
AnnualFees
Regular APR
RegAPR
Credit Score
CreditScoreNeeded

PROS:

  • There are a lot of excellent everyday rewards-earning opportunities here, so you can rack up a bank of ThankYou® Points pretty quickly.
  • Receive $100 off a single hotel stay of $500 or more each calendar year.
  • There are no foreign transaction fees to worry about, so you can save money if you travel abroad.

CONS:

  • Keep in mind the annual fee; the $100 hotel credit would more than offset that, though, if you're able to take advantage.
  • There are a number travel partners to which you can transfer your rewards, but they aren't necessarily the most popular ones out there. Take a look to ensure you can use those partners or that you'll still get good value with your rewards.
Current Scores Past Scores
Overall Score 78.1 84.5
Rewards Program Satisfaction 7.6 8.3
Customer Service 7.9 8.5
Website/App Usability 7.9 8.5
Likelihood of Continuing to Use 8.2 8.6
Recommend to a Friend/Colleague 8.0 8.5

*Scores above reflect the results of surveys with actual cardholders. Full methodology below.

CardName discontinued 

Cardholder Favorite
EditorRating
 
foreign_fee AnnualFees
Why We Like It: If the large bonus 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.

Read our full CardName review.

Welcome Bonus
75,000 miles One-time 75,000 mile bonus once you spend $4,000 on purchases within three months from account opening, equal to $750 in travel
Annual Fee
AnnualFees
Regular APR
RegAPR
Credit Score
CreditScoreNeeded

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.
  • Another nice perk to keep in mind is an application fee refund of up to $100 for your Global Entry or TSA PreCheck application, a perk normally reserved for credit cards with much higher annual fees.

CONS:

  • You may find the list of airlines that the card partners with lacking. Not a lot of big American airline names.
  • The $95 annual fee is reasonable but may be off-putting for someone who doesn't regularly travel.
Current Scores Past Scores
Overall Score 83.3 76.0
Rewards Program Satisfaction 8.2 7.7
Customer Service 8.0 7.2
Website/App Usability 8.4 8.2
Likelihood of Continuing to Use 8.9 7.9
Recommend to a Friend/Colleague 8.5 7.2

*Scores above reflect the results of surveys with actual cardholders. Full methodology below.

CardName discontinued 

EditorRating
 
foreign_fee AnnualFees
Why We Like It: This card is a great option whether you are heading out or staying in as it offers rewards on both dining and take out purchases, and entertainment purchases, too.

Read our full CardName review.

Welcome Bonus
$200 Earn a one-time $200 cash-back bonus after you spend $500 within the first three months of opening an account
Annual Fee
AnnualFees
APR
RegAPR
Credit Score
CreditScoreNeeded

PROS:

  • This card makes date night a lot more exciting with 3% cash back on dining AND entertainment purchases.
  • Enjoy rewards even when you decide to cook thanks to 3% earned on grocery purchases, too.
  • Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024.

CONS:

  • Outside of dining, groceries, streaming and entertainment, this card only rewards 1% cash back. If you spend heavily in other categories, you might want to consider a card with more bonus options.
  • This card offers intro 0% APR on purchases and balance transfers for the first 15 months of membership (balance transfer fee applies). This is a great perk, but just be aware that once this introductory period expires, regular RegAPR APR will apply. This isn't really a con, per se, but definitely something to be aware of.
Current Scores Past Scores
Overall Score 79.2 84.5
Rewards Program Satisfaction 8.0 8.4
Customer Service 7.5 8.4
Website/App Usability 8.8 9.0
Likelihood of Continuing to Use 8.7 8.5
Recommend to a Friend/Colleague 7.5 8.4

*Scores above reflect the results of surveys with actual cardholders. Full methodology below.

CardName discontinued 

EditorRating
 
foreign_fee AnnualFees
Why We Like It: Great cash-back rewards cards aren't necessarily known for great intro balance transfer offers, but this one is. Earn great rewards and save big on interest with an intro 18 months 0% APR on balance transfers (then, RegAPR. Citi is a CardRatings advertiser.

Read our full CardName review.

Rewards
2% cash back Earn unlimited 1% cash back when you buy and 1% when you pay for your purchase (must pay the minimum payment due on time)
Annual Fee
AnnualFees
Regular APR
RegAPR
Credit Score
CreditScoreNeeded

PROS:

  • An excellent cash-back rewards card with an excellent introductory balance transfer offer of 18 months no interest on balance transfers (then, RegAPR). That's tough to beat.
  • A card that rewards you for paying off your card balance is a winning card in our book. That rewards structure should incentize you to keep paying your balance in full.
  • The simplicity with the rewards structure is excellent for the "set it and forget it" cardholder. Know that you can effectively earn 2% back each time you use your card (1% when you buy and another 1% when you pay for your purchase).

CONS:

  • There's are foreign transaction fees to consider, so leave this behind when you head out for a trip abroad.
  • While the intro balance transfer offer is great, it does come with a balance transfer fee. Make sure you take that into account as you make your transfer decisions.
Current Scores Past Scores
Overall Score 77.2 84.7
Rewards Program Satisfaction 7.9 8.5
Customer Service 7.5 8.4
Website/App Usability 6.9 8.3
Likelihood of Continuing to Use 8.2 8.8
Recommend to a Friend/Colleague 7.7 8.4

*Scores above reflect the results of surveys with actual cardholders. Full methodology below.

CardName discontinued 

EditorRating
 
foreign_fee AnnualFees
Why We Like It: Enjoy 0% intro APR on balance transfers for 15 months from the date of first transfer (must be made in the first four months) and on purchases from the date of account opening (then, RegAPR).

Read our full CardName review.

Welcome Bonus
20,000 points Earn 20,000 bonus points after you spend $1,500 in purchases within three months of opening an account
Annual Fee
AnnualFees
Regular APR
RegAPR
Credit Score
CreditScoreNeeded

PROS:

  • Earn 20,000 bonus ThankYou® Points after making $1,500 in purchases within the first three months. Plus, earn 5X ThankYou® Points per dollar spent on hotels, car rentals and attractions booked via the Citi Travel℠ portal through June 30, 2024.
  • With this card you're able to rack up points fast as it essentially rewards points in increments of 10. You'll earn two points for every dollar spent at supermarkets and gas stations (up to $6,000 in purchases each year) and one point for every dollar spent on all other eligible purchases. However, since Citi rounds up points on every purchase to the next highest 10, you'll get a bit more than that.
  • Since this card's awards accumulate as ThankYou® Points, you can use your rewards for travel, cash back or a number of other redemption options.

CONS:

  • This isn't a great option for regular international travelers as it charges a fee on foreign transactions.
  • Be aware of the balance transfer fee: BalanceTransferFees
Current Scores Past Scores
Overall Score 78.7 75.3
Rewards Program Satisfaction 7.8 7.5
Customer Service 7.6 7.4
Website/App Usability 7.9 7.8
Likelihood of Continuing to Use 8.5 8.2
Recommend to a Friend/Colleague 7.9 7.3

*Scores above reflect the results of surveys with actual cardholders. Full methodology below.

CardName discontinued 

EditorRating
 
foreign_fee AnnualFees
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. As an added bonus, there's a solid welcome offer opportunity and new cardholders can enjoy 12 long months of intro 0% APR on new purchases (then RegAPR).

Read our full CardName review.

Welcome Bonus
$750 Earn $750 bonus cash back after you spend $6,000 on purchases in the first three months from account opening
Annual Fee
AnnualFees
Regular APR
RegAPR
Credit Score
CreditScoreNeeded

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.
Current Scores Past Scores
Overall Score 78.0 78.7
Rewards Program Satisfaction 7.7 7.7
Customer Service 7.8 8.0
Website/App Usability 7.9 8.2
Likelihood of Continuing to Use 8.1 7.6
Recommend to a Friend/Colleague 7.7 8.0

*Scores above reflect the results of surveys with actual cardholders. Full methodology below.

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FAQ

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.

Just about any credit card you want. Look, that's not a guarantee. Lenders have a lot of factors that they weigh before offering somebody a credit card. Still, if you have a 720 credit score, you've hit the mark where credit card issuers start really perking up. You can do better with your credit score. If you have 740-799, that's considered "very good," and if it's over 800, lenders will practically beg you to sign up for their credit cards.

Still, if you have a credit score of 720, lenders are going to be impressed. You should be able to get most, if not all, of the credit cards that advertise themselves as being for consumers with good/excellent credit.

So if your credit score is 720, you definitely consider applying to credit cards that offer robust rewards programs and big signup bonuses.

Remember, though, that you can have a high credit score, but still show little experience with credit cards, and that could be a red flag for some issuers when it comes to issuing their best cards. Your score is good, and that's a great start, but some banks will also want to see a history of using a credit card responsibly for at least a year before they'll approve you.

A lot of it just takes time for a credit score to improve from good to excellent - and during that time you can continue with the good habits that have given you a good credit score. But here are a few strategies that everybody should be following.

Pay everything on time. This seems obvious, but if you can help it, you don't want any slip ups.

Pay attention to your credit utilization ratio. That is, whatever available credit you have, try to always borrow no more than 30% of it. So if your available credit on your credit cards was $3,000, you don't want to carry a balance of over $900.

This is a really important strategy. Lenders like to see that you aren't anywhere near maxxing out on your credit cards. It can seem a little weird to the borrower. You're giving me all of this available credit, and I'm not allowed to use it? Well, you're allowed, of course, but the lenders see that as a sign that you're borrowing too much money and may eventually have trouble paying them back.

Don't be too quick to close accounts. Not that you have to keep every single credit card account open for the rest of your life, but that credit card you never use but with available credit can help your credit ratio utilization. Plus, lenders like to see old accounts because it shows a long history of borrowing (hopefully) responsibly. If you close the account, your credit history, which lenders base more on the time that an account is open than your actual chronological credit card timeline, becomes shorter.

That said, sometimes credit cards will close down the account after you go a interminable length of time without using it. If you have multiple cards and you close one (not your oldest one! Keep that one open to show length of credit history), your score may drop a bit, but will likely bounce back quickly as long as the rest of your behavior is responsible and you have additional credit cards to show on your report.

author
Jennifer Doss
CardRatings Executive Editor

Jennifer Doss is a credit card analyst and the executive editor of CardRatings.com. She has worked as both a print and online journalist and has over a decade of experience in the media industry. Her published work has covered a broad range of topics, from finance and technology to travel and dining. Through extensive travel experiences and her personal interest...Read more


Survey Methodology: CardRatings commissioned Op4G in September 2023 to conduct surveys among 1,869 cardholders nationwide. CardRatings website analytics from Jan. 1, 2023-Aug. 31, 2023 were used to determine a selection of the most popular cards and additional cards were included to add survey breadth. Responses to each of nine questions were given on a scale of 1-10 and respondents’ scores were then averaged under broad topics. To determine the overall score, responses from questions 1-8 were summed and the answer to “How likely are you to recommend this card to a friend, coworker or family member?” was double weighted. “Current Scores” reflect scores from the most recent survey (2023); “Past Scores” reflect scores from the 2022 survey.

Ranking Methodology: CardRatings experts review the fine print, details, perks, rewards and features of hundreds of cards and compare them side-by-side with similar cards. A card that makes an excellent balance transfer card may not make a great cash-back rewards card even though it offers those rewards. While the Best of the Year list is announced annually, that list – and all other “best of” lists on CardRatings – are regularly reviewed and updated as issuers change the terms and features of each card often.

To see the rates and fees for the American Express cards in this post, please visit the following links: CardName (See Rates and Fees)

For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

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.