Top Credit Cards For Good Credit

If you typically pay your bills on time and maintain a reasonably good debt to asset ratio, your FICO score probably ranges from about 660 to 719, which qualifies as “good credit” according to the MyFICO website. While you may not qualify for the very elite level of credit cards, your credit is in good shape. You should certainly be able to qualify for credit cards that feature rewards such as cash back and airline miles along with the ability to transfer balances.  The list below represents some of the best credit cards available today, each with no annual fee, that are attainable by consumers – like you – who have good credit.

IF YOU WANT CASH REWARDS:

Chase Freedom CardChase Freedom

Intro APR: 0% for the first 15 months
Standard APR: 13.99%-22.99%
Annual Fee: $0.00
Bonus/Benefit: Cash bonus on several different categories

The Chase Freedom card offers 0 percent interest for the first 15 months, with a balance transfer option for your high-interest credit card balances. You also receive a $100 bonus if you spend at least $500 after opening your card account.  Add an authorized user and gain an additional $25. Your holiday shopping just got easier with 5 percent cash back on combined purchases at Amazon.com and Zappos until December 31.  You also receive 5 percent cash back on specific rotating categories and an additional 1 percent cash back on all purchases.

 

Capital One Quicksilver Cash Rewards CardCapital One Quicksilver

Intro APR: 0% for the first 12 months
Standard APR: 12.9%-20.9%
Annual Fee: $0.00
Bonus/Benefit: 1.5% cash back on every purchase

The Capital One Quicksilver Cash Rewards card features 0 percent interest on transactions and balance transfers for the first 12 months and no foreign transaction fees. You also receive a $100 credit if you spend $500 within 3 months after obtaining the card. Your card is protected against fraudulent activity by CreditTracker. And of course you receive 1.5 percent cash back on every purchase, every day, just like Samuel L. Jackson says.

 

BankAmericard Cash Rewards CardBankAmericard Cash Rewards

Intro APR: 0% for the first 12 months
Standard APR: 12.99%-22.99%
Annual Fee: $0.00
Bonus/Benefit: 3% cash back on gas purchases, 2% on groceries and 1% on everything else

With the BankAmericard Cash Rewards card, customers can enjoy a $100 cash bonus if they spend at least $500 within 90 days after receiving the card. Cardholders also receive 1 percent cash back on all purchases, 2 percent cash back on groceries and 3 percent cash back on gas purchases made using the card. The card also provides 0 percent interest on transactions for 12 billing cycles, including new purchases as well as on balance transfers.

 

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NFL Extra Points Credit CardNFL Extra Points

Intro APR: 0% for the first 6 months
Standard APR: 14.99%-24.99%
Annual Fee: $0.00
Bonus/Benefit: Cash bonus at signup, NFL discounts, 2 points for every dollar spent on NFL related items, 1 point for all others

Show your love for your favorite team and earn rewards with the NFL Extra Points card. Earn $100 if you spend $500 within 90 days after opening your account. The best rewards are sports related: 0 percent interest on tickets purchased within the first 6 months after obtaining the card, 20 percent discount on all purchases made through the NFL.com shop and 2 points for every $1 spent on NFL team related purchases. Cards for every NFL team are available with specially printed logo on the card. Points can be redeemed for NFL related items or traded in for a credit against your outstanding balance.

 

IF TRAVEL REWARDS ARE MORE YOUR THING:

BankAmericard Travel Rewards CardBankAmericard Travel Rewards

Intro APR: 0% for the first 12 months
Standard APR: 14.99%-22.99%
Annual Fee: $0.00
Bonus/Benefit: 10,000 point sign up bonus, 1.5 points per dollar spent

You will surely enjoy the travel points you earn with the BankAmericardTravel Rewards card, which awards users 10,000 bonus points if they spend at least $500 after obtaining the card. Each point is worth one cent, so 10,000 can be redeemed for a $100 statement credit on travel purchases. The rewards program is plain and simple: you earn 1.5 points on every $1 transaction. No categories, limits or other gimmicks to worry about. The card provides 0 percent interest on transactions for 12 billing cycles, and also offers customers an additional 10% points bonus on every purchase if they also have a checking or savings account with Bank of America.

 

Capital One VentureOne Rewards CardCapital One VentureOne Rewards

Intro APR: 0% for the first 12 months
Standard APR: 11.9%-19.9%
Annual Fee: $0.00
Bonus/Benefit: 20,000 mile sign up bonus, 1.25 miles per dollar spent

The Capital One VentureOne Rewards card is perfect for anyone who loves to travel, with no foreign transaction fees. You earn 1.25 miles on every purchase you make, all year round. If you spend $1,000 within 3 months you earn an extra 20,000 miles. Travel on any airline, any date with no blackout dates, plus your miles never expire. You also enjoy 0 percent interest on all purchases for the first year and a free look at your credit score whenever you like with Capital One Credit Tracker.

 

Choice Privileges Visa Reward CardChoice Privileges Visa Rewards

Intro APR: 0% for the first 15 months
Standard APR: 15.24%-19.99%
Annual Fee: $0.00
Bonus/Benefit: Up to 28,000 bonus points, 2-15 points per dollar spent

With the Choice Privileges Visa Reward card, you earn an automatic 8,000 extra points after your first purchase with no minimum amount required. Stay once and pay at a Choice Privileges location and earn an additional 20,000 points. After that, you can earn 15 points for every $1 you spend at nay one of 4,200 Choice Privileges locations, and 2 points for every $1 you spend on everything else using the card.

 

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Citi Diamond Preferred CardCiti Diamond Preferred

Intro APR: 0% for the first 21 months
Standard APR: 11.99%-21.99%
Annual Fee: $0.00
Bonus/Benefit: Special member benefits and access

The Citi Diamond Preferred card features 0 percent interest on all purchases for a full 21 months. You also have access to a 24/7 concierge service for travel bookings and free identity theft prevention service that promises $0 liability for unauthorized purchases. Citi Diamond Preferred includes all the services and benefits you would expect from a prime credit card. These include extended warranty on purchases, worldwide car rental service, trip cancellation protection, worldwide travel accident insurance, and emergency assistance. The card also gives members the Citi Private Pass, which gives them exclusive access and VIP packages to entertainment events.

 

IF YOU ENJOY EARNING AND REDEEMING POINTS:

Barclaycard Rewards MasterCard — Good CreditBarclaycard Rewards MasterCard

Intro APR: no special intro rate
Standard APR: 24.99%
Annual Fee: $0.00
Bonus/Benefit: 2 points for every dollar spent on gas/groceries/utilities, 1 point on all others

Earn 2 points for every $1 spent on gas, groceries and utilities and 1 point for every $1 spent on everything else with the Barclaycard Rewards MasterCard — Good Credit. Your points can be used like cash to apply to other purchases with no redemption fees and no limits on the number of points you can earn. You also receive access to your FICO score free, online.

 

Citi ThankYou Preferred CardCiti ThankYou Preferred

Intro APR: 0% for the first 12 months
Standard APR: 12.99%-22.99%
Annual Fee: $0.00
Bonus/Benefit: 20,000 point sign up bonus, double points for dining and entertainment purchases

The Citi ThankYou Preferred card comes in two flavors: straight, no chaser with 0 percent interest on all purchases for 15 months, or with 20,000 bonus points and 0 percent interest on all purchase for 12 months. Both ThankYou cards allow balance transfers from high-interest credit cards; both cards earn ThankYou points that never expire and which can be used for a variety of rewards. Chip Technology allows you to travel seamlessly worldwide with both ThankYou cards.

 

IF YOU PREFER LOW/NO FEES:

Chase Slate CardChase Slate

Intro APR: 0% for the first 15 months
Standard APR: 12.99%-22.99%
Annual Fee: $0.00
Bonus/Benefit: No annual fee, no penalty APR for late payments, 0% on purchases and balance transfers for first 15 months

Forbes online awarded the Chase Slate card the 2013 Best Credit Card title. Chase Slate earns this praise by featuring 0 percent interest on transactions and balance transfers for the first 15 months. Even better, there are no fees on balance transfers made during the first 60 days after obtaining the card. You also have access to your free monthly FICO score and credit dashboard, as well as enjoying the protection of Chase’s Zero Liability Protection policy.

 

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Discover It CardDiscover It

Intro APR: 0% for the first 14 months
Standard APR: 10.99%-22.99%
Annual Fee: $0.00
Bonus/Benefit: Late payment forgiveness, no penalty APR for late payments, no overlimit fees, no foreign transaction fees. Also cash back bonuses including 5% cash back on certain categories, 1% on all other purchases, and new cardholders will receive double cash back for 1 year

You may not connect with a customer service rep that looks and sounds just like you, but the Discover It card does provide free FICO scores and forgiveness for your first late payment. You need not worry about overlimit fees or foreign transaction fees. You also receive 0 percent interest on balance transfers for 18 months and 0 percent interest on transactions for 6 months after obtaining the card. Discover It also offers a cash back rewards program that is fairly average compared to other cards: you earn 5% cash back on certain categories that change quarterly and 1% cash back on all other purchases. Cash back rewards do not expire and can be redeemed for actual cash or used anytime at Amazon.com. The real benefit of their cash back program is for new cardholders who sign up now – they will receive double all the cash back they’ve earned at the end of their first year.

 

Citi Simplicity CardCiti Simplicity

Intro APR: 0% for the first 21 months
Standard APR: 12.99%-22.99%
Annual Fee: $0.00
Bonus/Benefit: No penalty rates, no late fees, and no annual fee

The Citi Simplicity card lives up to its name with no late fees and no penalty rates in addition to no annual fees and available balance transfer option. Cardholders enjoy 0 percent interest on transactions and balance transfer amounts for a full 21 months. You can also call and obtain personalized help 24/7. On top of these great offers, this card also includes a set of prime shopping and traveling benefits (such as Citi Price Rewind which will refund the price difference if a cardholder finds the same item they purchased within 60 days at a lower price), extended warranty on items purchased with the card, worldwide car rental insurance and travel emergency assistance.

Something for (Nearly) Everyone

There you have it. Cards for travel bugs, cards for sports nuts and cards for people who crave bargains, which includes everyone, right? One or more of these great cards is almost certain to provide the combination of features and rewards that are right for you.