Top 5 Credit Cards For Good Credit

This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author's alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This content was accurate at the time of this post, but card terms and conditions may change at any time. This site may be compensated through the credit card issuer Affiliate Program.

If you have good credit and you need a new credit card, you're in the right place. Trying to choose a card in your credit range is often downright confusing because there are so many cards out there.

Well, you can now relax because here's a roundup of the top five cards for good credit. These aren't listed in any particular order because your best card depends on what type of rewards, if any, you need right now. For instance , if you want to save on everyday expenses, then a cash back card might be best. But if you often travel, then you might be better suited to an airline miles card.

So what qualifies as a good credit score? It depends on the version of the score being used because the ranges vary. But in general, a good FICO score is from 700 to 749. If you're looking at LendingTree's free credit score, which is the VantageScore 3.0 from TransUnion, then a good score is from 680 through 719.

Capital One® Venture® Rewards Credit Card

The Capital One® Venture® Rewards credit card is very popular and with good reason. You get two miles per dollar spent and there are no limits on the amount of miles you can earn. The rewards program is simple and straightforward. Oh, and the rewards never expire!

  • Best for frequent fliers: If you fly frequently and you enjoy picking the airline that gives you the best bang for your buck at any point in time, then the Venture® card might be just the thing for you.
  • Sign-up bonus: This one-time bonus of 40,000 bonus miles is worth $400 in travel. Important note: You must spend $3,000 on purchases within the first three months to qualify for the bonus.
  • Purchase APR: You get a 13.24 percent, 18.24 percent, or 23.24 percent APR, depending on your creditworthiness.
  • Balance transfers: Your APR will be the same as your purchase APR. There's no transfer fee.
  • Cash advances: You get a 23.24 percent APR. There's a 3 percent cash advance fee.
  • Annual Fee: It's $59, but it's waived for the first year.
  • Foreign transaction fees: None.

Note: With this card, the issuer is targeting consumers with good-to-excellent credit and if your FICO score is at least 720, then you might have a chance to get approved for this. Your backup choice? The Capital One® Venture® Rewards Credit Card is designed for those who just miss the cut for the Venture® card. It offers 1.25 miles per dollar spent and there's no annual fee at all.

Capital One® Quicksilver® Cash Rewards Credit Card

The Capital One® Quicksilver® Cash Rewards is a winner for those who want a generous, but simple, cash back program. Capital One really does a good job keeping their rewards programs simple. With this card, you get 1.5 percent cash back on all your purchases. There are no limits on the amount of cash you can earn and they never expire.

  • Best for hassle-free cash back: There is a wide variety of cash back cards on the market. You can get a card with rotating categories or with a system that offers more cash back on a limited number of categories. The Quicksilver® card gives you 1.5 percent across the board and rewards are easy to redeem. Also, it doesn't require sign-ups or remembering what your rewards rate is.
  • Sign-up bonus: You get a one-time $100 cash bonus if you spend $500 on purchases within the first three months.
  • Purchase APR: You get a zero percent APR introductory rate through your February 2017 billing period. After that, your APR will be 13.24 percent, 18.24 percent, or 23.24 percent APR, depending on your creditworthiness.
  • Balance transfers: You get a zero percent APR introductory rate through your November2016 billing period. After that, your APR will be 13.24percent, 18.24 percent, or 23.24 percent APR, depending on your creditworthiness. There's a 3 percent transfer fee.
  • Cash advances: You get a 23.24 percent APR. There's a 3 percent cash advance fee.
  • Annual Fee: There is no annual fee.
  • Foreign transaction fees: None.

Chase Freedom®

This is one of the best cash back cards on the market. The Chase Freedom® offers a 5 percent cash back bonus on up to $1,500 in purchases on rotating categories, such as gas stations and restaurants. The categories change every quarter and you have to sign up online for them. Plus, you get 1 percent cash back (unlimited!) on all other purchases.

  • Best for consumers who want a variety of rewards: If you don't mind keep tracking of categories and signing up every quarter, you can earn a lot of cash back on everyday expenses.
  • Sign-up bonus: You get a one-time $150 cash bonus if you spend $500 on purchases within the first three months.
  • Purchase APR: You get a zero percent APR introductory rate for your first 15 billing periods. After that, your APR will be between 14.24 percent, 19.24 percent, or 23.24 percent APR, depending on your creditworthiness.
  • Balance transfers: You get a zero percent APR introductory rate for your first 15 billing periods. After that, your APR will be between 14.24 percent, 19.24 percent, or 23.24 percent APR, depending on your creditworthiness. There's a 5 percent transaction fee.
  • Cash advances: You get a 25.24 percent APR. There's a 5 percent cash advance fee.
  • Annual Fee: There is no annual fee.
  • Foreign transaction fees: There's a 3 percent transaction fee.

Discover it ®- Cashback Match™

There's a lot to like about the Discover it ® - Cashback Match™, especially the double cash back in your first year. The rewards program is similar to the Chase Freedom®. The Discover it® - Cashback Match™ card also offers a 5 percent cash back bonus on up to $1,500 in purchases on rotating categories, such as gas stations and Amazon.com. The categories change every quarter and you have to sign up online for them. Also, you get 1 percent cash back (unlimited!) on all other purchases.

  • Best for consumers who want extra cash back online: If you like to shop online, Discover has a very nice online shopping mall, Discover Deals. You'll earn an extra 5 to 20 percent cash back when you buy items at one of the popular retailers. And that's on top of your regular rewards!
  • Sign-up bonus: None.
  • Purchase APR: You get a zero percent APR introductory rate for your first 12 months. After that, your APR will be between 11.24 percent and 23.24percent APR, depending on your creditworthiness.
  • Balance transfers: You get a zero percent APR introductory rate for your first 12 months. After that, your APR will be between 11.24 percent and 23.24percent APR, depending on your creditworthiness. There's a 3 percent transaction fee.
  • Cash advances: You get a 25.24percent APR. There's a 5 percent cash advance fee.
  • Annual Fee: There is no annual fee*.
  • Foreign transaction fees: None.
  • Late payment fees: None the first time it happens. After that, it's up to $35. Think of this as a safety net only. It's important to pay your bills on time to maintain a healthy credit score.

Chase Slate®

Chase Slate® doesn't offer rewards, but there's a zero percent introductory offer on both purchases and balance transfers. It's a solid card to have in your wallet, especially if you have credit card debt and you want to make a balance transfer.

  • Best for a balance transfer: If you've got debt on a high-interest credit card, then you need to take a look at the Chase Slate® card. It offers a 15-month interest-free period and waives the transfer fee if you make the transfer within 60 days.
  • Sign-up bonus: None.
  • Purchase APR: You get a zero percent APR introductory rate for your first 15 billing cycles. After that, your APR will be between 13.24 percent and 23.24 percent APR, depending on your creditworthiness.
  • Balance transfers: You get a zero percent APR introductory rate for your first 15 billing cycles. After that, your APR will be between 13.24 percent and 23.24 percent APR, depending on your creditworthiness. There's no transaction fee if you make the transfer within 60 days of opening your account. This is very important because if you don't act quickly, you'll pay a 3 percent transaction fee.
  • Cash advances: You get a 25.24percent APR. There's a 5 percent cash advance fee.
  • Annual Fee: There is no annual fee.
  • Foreign transaction fees: There is a 3 percent fee.

Disclaimer: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author's alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This content was accurate at the time of this post, but card terms and conditions may change at any time. This site may be compensated through the credit card issuer Affiliate Program.

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