You've worked hard on maintaining a good credit score, and now it's time to reap the rewards! As someone with good credit, you have a plethora of fantastic credit card options available to you. In this article, we will explore some of the best credit cards for those with good credit, and guide you through the selection process so you can make an informed decision. Let's dive in!
Best Credit Cards To Apply For With Good Credit Table of Contents
Things to Consider When Choosing a Credit Card
Before we start exploring some of the top credit cards for people with good credit, let's discuss the factors you should consider when making your choice:
Rewards and Cashback
One of the main benefits of having good credit is access to credit cards with excellent rewards programs. Look for cards that offer high rewards rates or cashback percentages, so you can make the most of your spending.
Annual Fee
Many credit cards charge an annual fee, particularly those with attractive rewards programs. Keep in mind your spending habits and the potential rewards you'll earn when deciding if a card with an annual fee is worth it for you.
Introductory Offers and Bonuses
Some credit cards come with enticing sign-up bonuses or generous introductory offers, such as a 0% APR for a specified period. These can be a significant factor when choosing a card, especially if you plan to make a large purchase or transfer a balance from another card.
Interest Rate
Interest rates can vary significantly between credit cards. While it's essential to have a low ongoing interest rate if you plan to carry a balance, remember that those with good credit typically have access to the most competitive rates.
Best Credit Cards for People with Good Credit
Now that you know what to look for let's take a look at some of the top credit cards available for people with good credit:
1. Chase Sapphire Preferred Card
- Sign-up bonus: Earn 60,000 bonus points after spending $4,000 in the first three months
- Rewards: 2 points per dollar spent on travel and dining, 1 point per dollar on all other purchases
- Annual fee: $95
- Other perks: No foreign transaction fees, 1:1 point transfers to partner loyalty programs
2. Discover it Cash Back
- Sign-up bonus: Discover matches all cashback earned during your first year
- Rewards: 5% cashback on rotating quarterly categories and 1% cashback on all other purchases
- Annual fee: None
- Other perks: Free FICO credit score access, no foreign transaction fees
3. Capital One Quicksilver Cash Rewards Credit Card
- Sign-up bonus: Earn a $200 cash bonus after spending $500 in the first three months
- Rewards: Unlimited 1.5% cashback on all purchases
- Annual fee: None
- Other perks: 0% APR on purchases for the first 15 months, no foreign transaction fees
Best Credit Cards To Apply For With Good Credit Example:
Let's say you're someone who loves to travel and dine out frequently. In this case, the Chase Sapphire Preferred Card might be the best choice for you. With its generous sign-up bonus, valuable rewards points, and flexible redemption options, you'll be able to make the most of your spending as you explore the world and enjoy delicious meals.
In conclusion, having good credit opens up a world of fantastic credit card options for you to choose from. By considering factors such as rewards, annual fees, introductory offers, and interest rates, you can find the perfect credit card to suit your needs and lifestyle. Your good credit score is something to be proud of, and now you can benefit from it by applying for one of these top-notch credit cards. Don't forget to share this article with your friends and family so they can also take advantage of these great offers! And if you'd like more personal finance and credit card tips, be sure to explore the other guides here on Flik Eco.
