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Excellent or good credit? Don't overlook these credit cards

Last Updated, April 10, 2020

Having excellent/good credit means you have myriad options when it comes to the credit cards you can carry. Whether you're interested in cash back, travel rewards or a lengthy balance transfer option, there's plenty of choices for you to consider. Take a look at these top choices from our partners and find the card that meets your needs.

OUR PICK FOR A SIGNUP BONUS - WORTH $750!

Chase Sapphire Preferred® Card

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 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.
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Learn more at Chase's website

PROS:

  • Bonus worth $750 in travel when redeemed through Chase Ultimate Rewards®.
  • High reward rates opportunity on travel and dining.
  • Unlimited $0 delivery fees with DoorDash for a minimum of one year (activate by 12/31/21).

CONS:

  • Top earning rewards and benefits limited to travel and dining.

OUR PICK FOR FLAT-RATE CASH BACK

Citi® Double Cash Card - 18 month BT offer

(This card is not currently available on CardRatings)

CARD DETAILS:

  • 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.
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PROS:

  • Simple rewards earning.
  • High flat-rate cash back opportunity.
  • Rewards structure encourages responsible credit card use and payment.
  • Strong balance transfer offer.

CONS:

  • No traditional signup bonus opportunity.

OUR PICK FOR BALANCE TRANSFER OFFER

Citi® Diamond Preferred® Card

(This card is not currently available on CardRatings)

CARD DETAILS:

  • 0% Intro APR on balance transfers for 21 months from date of first transfer. After that, the variable APR will be 13.74% - 23.74%, based on your creditworthiness. All transfers must be completed in first 4 months.
  • 0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 13.74% - 23.74%, based on your creditworthiness.
  • If you transfer a balance with this offer, after your 0% Intro purchase APR expires, both new purchases and unpaid purchase balances will automatically accrue interest until all balances, including your transferred balance, are paid in full.
  • There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
  • Get free access to your FICO® score online.
  • With Citi Entertainment℠, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
  • Shop with confidence knowing that you have dependable protection benefits, including $0 Liability on Unauthorized Purchases and Citi® Identity Theft Solutions.
  • The standard variable APR for Citi Flex Plan is 13.74% - 23.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion
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PROS:

  • Long 0% introductory APR on balance transfers for 21 months (then, 13.74% – 23.74% Variable).
  • Also 0% introductory APR on purchases for 12 months (then, 13.74% – 23.74% Variable).
  • No annual fee for the card.

CONS:

  • No signup bonus.
  • No rewards program.

OUR PICK FOR CELLULAR PHONE PROTECTION

Wells Fargo Cash Wise Visa® card

(This card is not currently available on CardRatings)

CARD DETAILS:

  • Earn a $150 cash rewards bonus after spending $500 in the first 3 months
  • Earn unlimited 1.5% cash rewards on purchases
  • Enjoy 1.8% cash rewards on qualified digital wallet purchases, like Apple Pay® or Google Pay™, during the first 12 months from account opening
  • No category restrictions or sign ups and cash rewards don't expire as long as your account remains open
  • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Cash Wise Visa® card
  • $0 Annual Fee
  • Select "Apply Now" to learn more about the product features, terms and conditions
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PROS:

  • Cell phone protection up to $600 (subject to a $25 deductible) for covered damage or theft
  • New cardholders can earn a cash rewards bonus worth $150 after you spend $500 in the first three months
  • 0% intro APR for purchases and balance transfers for 15 months (then, 13.99%-25.99% Variable)
  • No annual fee

CONS:

  • Low rate of rewards of 1.5% cash back on all purchases.

OUR PICK FOR REWARDS (AND NO ANNUAL FEE!)

Wells Fargo Propel American Express® card

(This card is not currently available on CardRatings)

CARD DETAILS:

  • Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value
  • $0 annual fee and no foreign currency conversion fee
  • Earn 3X points on eating out and ordering in
  • Earn 3X points on travel including flights, hotels, homestays and car rentals
  • Earn 3X points on gas stations, rideshares and transit
  • Earn 3X points on popular streaming services
  • Earn 1X points on other purchases
  • Select "Apply Now" to learn more about the product features, terms and conditions
See More

Learn more at Wells Fargo's website

PROS:

  • Earn 3X points in multiple purchase categories including travel, select streaming services, dining, gas and transit.
  • New card members can earn 20,000 bonus points, worth $200 in cash redemption value, after spending $1,000 in the first three months.
  • No annual fee or foreign transaction fees.

CONS:

  • Covers nearly every bonus rewards category except groceries.
  • Wide array of redemption options for rewards could be confusing for some people.

OUR PICK FOR SUPERMARKET AND GAS STATION PURCHASES 

Citi Rewards+ Card

(This card is not currently available on CardRatings)

CARD DETAILS:

  • The Citi Rewards+ Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
  • Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com
  • 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 13.49% - 23.49%, based on your creditworthiness. Balance transfer fee -- either $5 or 3% of the amount of each transfer, whichever is greater.
  • Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X Points on All Other Purchases.
  • The standard variable APR for Citi Flex Plan is 13.49% - 23.49%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
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PROS:

  • Earn double points for supermarket and gas station purchases.
  • Get 10% of your rewards back when you redeem (up to the first 100,000 points redeemed annually).
  • Rewards on all purchases automatically round up to the nearest 10 points.

CONS:

  • Bonus offer for new cardholders is only worth $150 in gift cards.

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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