Best credit cards for good credit of July 2024
Updated 5:09 p.m. UTC June 27, 2024
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Good credit comes with many perks, including the potential to choose from a variety of solid credit card offers. The best credit cards for good credit feature attractive benefits such as travel rewards, cash back, welcome bonuses or even 0% APR on purchases or balance transfers for a limited time.
We analyzed a broad swath of credit cards in this category, from a variety of issuers, to curate a list of the very best credit cards for good credit of 2024. Here are our selections.
- Bilt World Elite Mastercard®: Best credit card for good credit.
- Wells Fargo Autograph℠ Card: Best for rewards bonus categories.
- Chase Sapphire Preferred® Card: Best for travel rewards.
- Chase Freedom Flex® *: Best for cash back.
- Citi Strata Premier℠ Card *: Best credit card for attractions.
Why trust our credit card experts
Our team of experts evaluates hundreds of credit cards and analyzes thousands of data points to help you find the best card for your situation. We use a data-driven methodology to determine each rating. Advertisers do not influence our editorial content. You can read more about our methodology below.
- 116+ cards analyzed.
- 16+ data points analyzed.
- 5-step fact-checking process.
Compare the best cards for good credit
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Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months – that’s a $200 cash redemption value.
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 when you redeem through Chase Travel℠.
Earn a $200 bonus after you spend $500 on purchases in your first 3 months from account opening,
Earn 75,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $750 in gift cards or travel rewards at thankyou.com.
Why it’s the best
The Bilt World Elite Mastercard® is a solid credit card option for travel rewards fans — and renters in particular. A standout feature of the Bilt World Elite Mastercard is that it offers cardholders the ability to earn rewards on rent payments with no transaction fees.
In addition to rent rewards, the card offers a decent rewards rate on dining and direct travel purchases. Also, if you make a non-rent purchase on the first of the month, you can earn double points. The card also features no annual fee, Cellular Telephone Protection and a range of travel protection benefits, including Lyft Credits.
Pros:
- Earn rewards for paying rent with no transaction fees.
- No annual fee.
- Transfer partners available.
Cons:
- Requires five credit card transactions per statement period to earn rewards.
- No intro APR or welcome bonus.
- Other cards may offer higher rewards rates (although not on rent).
Card details:
- Annual fee: $0.
- Rewards: 1 point per $1 on rent payments without a transaction fee (on up to 100,000 points each year), 2 points per $1 on travel (when booked through the Bilt Travel Portal or directly with an airline, hotel, car rental or cruise company), 3 points per $1 on dining and 1 point per $1 on other purchases. At least five transactions must be made per statement period to earn these rewards.
- Welcome bonus: None.
- Foreign Currency Conversion Fee: None.
Why it’s the best
The Wells Fargo Autograph℠ Card is a well-rounded rewards card that offers elevated rewards in multiple popular spending categories — restaurants, travel, gas stations, transit, plus eligible streaming services and phone plans. The card also features an introductory APR offer on purchases, giving extra breathing room to pay off larger expenses, along with a fairly attainable welcome offer.
You can use your rewards as statement credits, to book travel through the issuer or transfer them to a growing number of travel partners, making this a versatile card for both earning and redeeming rewards.
Pros:
- Generous bonus rewards categories.
- Introductory APR offer on new purchases.
- Attainable welcome offer.
Cons:
- Low rewards rate outside of bonus categories.
- No introductory APR on balance transfers.
- No premium travel perks.
Card details:
- Annual fee: $0.
- Rewards: 3 points per $1 at restaurants, travel, gas stations, transit, popular streaming services and phone plans and 1 point per $1 on other purchases.
- Welcome bonus: 20,000 points after spending $1,000 in purchases in the first three months of account opening.
- Foreign transaction fees: None.
Why it’s the best
The Chase Sapphire Preferred® Card is a great choice for anyone who wants the opportunity to earn travel rewards and enjoy travel-related benefits for a low annual fee. The card offers generous rewards rates in several bonus spending categories, including dining, eligible streaming services, online grocery purchases and travel, making it easy to earn rewards on a range of everyday spending.
You can also book travel through Chase to earn bonus rewards or transfer your rewards to Chase’s travel partners to potentially stretch your points further. A generous welcome offer can give an early boost to your rewards balance, plus you’ll get an annual hotel credit and complimentary subscriptions to DoorDash and Instacart+.
Pros:
- Generous bonus rewards categories.
- Access to Chase’s travel partners.
- Lucrative welcome offer.
Cons:
- Has an annual fee.
- No premium travel perks such as lounge access or free anniversary nights.
- No introductory APR offers.
Card details:
- Annual fee: $95.
- Rewards: 5 points per $1 on travel purchased through Chase Travel℠, 3 points per $1 on dining, select streaming services, and online grocery purchases (excluding Walmart, Target and wholesale clubs), 2 points per $1 on all other travel purchases and 1 point per $1 on all other purchases.
- Welcome bonus: 60,000 points after spending $4,000 on purchases in the first three months of account opening.
- Foreign transaction fees: $0.
The information for the Chase Freedom Flex® has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.
Why it’s the best
Fans of cash rewards may want to consider the Chase Freedom Flex® * The information for the Chase Freedom Flex® has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. . The no-annual-fee credit card offers rotating quarterly bonus categories (activation required) along with elevated cash rewards on dining, drugstore purchases and Chase Travel℠ purchases throughout the year. The welcome offer has a very attainable spending requirement and with introductory APR offers on both purchases and balance transfers, you’ll have extra time to pay off those early purchases with no added interest.
Pros:
- No annual fee.
- Introductory APR on purchases and balance transfers.
- Easy-to-earn welcome offer.
Cons:
- No access to travel partners without another Chase card.
- Must book travel through Chase Travel to earn elevated cash back.
- Charges foreign transaction fees.
Card details:
- Annual fee: $0.
- Rewards: 5% cash back on up to $1,500 in categories that rotate quarterly (requires activation), 5% cash back on travel purchased through Chase Travel℠, 3% cash back on dining and drugstores and 1% cash back on all other purchases.
- Welcome bonus: $200 bonus after spending $500 on purchases in the first three months of account opening.
- Foreign transaction fees: 3% of each transaction in U.S. dollars.
The information for the Citi Strata Premier℠ Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.
Why it’s the best
The Citi Strata Premier℠ Card * The information for the Citi Strata Premier℠ Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. offers respectable rewards for travelers — especially people looking to earn rewards on attraction-related purchases like theme park tickets. The card offers high rewards on hotels, car rentals and attractions booked through CitiTravel.com. There are bonus rewards on spending at restaurants, supermarkets and gas and EV charging stations, as well as on air travel and other hotel purchases.
With a big welcome offer for new cardholders and a $100 annual hotel credit ($100 off a single hotel stay of at least $500, excluding taxes and fees, when booked via the Citi travel portal) that can offset the annual fee, the card offers considerable value even if you only travel once a year for a big event.
Pros:
- Best card for attraction-related rewards.
- Transfer partners available.
- No foreign transaction fees.
Cons:
- Has an annual fee.
- No premium travel perks such as lounge access.
- Hotel credit has a spend requirement.
Card details:
- Annual fee: $95.
- Rewards: 10 ThankYou® points per $1 spent on hotel, car rentals and attractions booked through CitiTravel.com, 3 points per $1 on air travel and other hotel purchases, at restaurants, supermarkets, gas stations and EV charging stations and 1 point per $1 on other purchases.
- Welcome bonus: 75,000 points after spending $4,000 on purchases in the first three months of account opening.
- Foreign transaction fees: 0%.
Methodology
Our credit cards team has spent hours analyzing hundreds of credit cards. We took a deep dive into the details of each product and that analysis, combined with our years of experience covering credit cards, informed us as we developed these credit card rankings. Factors we considered included:
- Annual fee: 25%.
- Annual rewards earnings: 21%.
- Regular APR: 15%.
- Welcome offer: 10%.
- Intro APR on purchases: 6%.
- Intro APR on balance transfers: 6%.
- Foreign transaction fees: 5%.
- Cellphone protection: 3%.
- Lounge access: 2%.
- Primary insurance: 2%.
- Secondary insurance: 1%.
- Baggage delay insurance: 1%.
- Lost luggage insurance: 1%.
- Trip delay insurance: 1%.
- Trip cancellation: 1%.
How to choose a credit card for good credit
As you search for a credit card for good credit, take time to compare multiple offers before applying for a new account. Here are some credit card features to consider as you narrow down your options.
- Fees: Paying an annual fee can be worth it if the benefits you receive outweigh the expense. If you won’t actually use enough of an annual-fee card’s perks, go for a no annual fee credit card instead.
- Rewards: Find a card that offers rewards that fit your lifestyle. Look for cards with the highest rewards in the categories where you spend the most.And consider how you would get the most value out of your redemptions as well.
- Redemption: How you can redeem rewards is almost as important as how you earn them. Cash back is king when it comes to flexibility, but cards that earn travel points or transferable rewards can help you stretch your rewards further.
- Welcome offer: The potential to earn extra cash back or points when you open a new credit card can be appealing, but consider the minimum spending requirement and whether you can meet it with regular spending within the allotted time frame.
- APR: The best way to manage a credit card is to pay off your full balance on time every month. However, if you might occasionally revolve a balance on the account, find a credit card with the lowest interest rate.
- Other benefits: Many rewards credit cards feature additional benefits that could save you money if you take advantage of them, such as statement credits, cellphone protection, complimentary subscriptions and travel insurances. Find perks that align with your needs and avoid those you probably won’t use.
Is a good credit card right for me?
In the United States, most lenders use credit scores that range from 300 to 850. On this scale, a credit score of 670 or higher is typically considered to be a good credit score. Yet it’s important to understand that each credit card issuer sets its own approval criteria and decides for itself the minimum credit score applicants must have to qualify for a new account.
Before applying for a credit card for good credit, it’s important to look at your credit reports and credit scores. A credit check will enable you to see where you stand and give you a better sense as to whether or not you’re likely to meet a card issuer’s criteria.
Frequently asked questions (FAQs)
The most common types of credit scores that lenders use in the United States are FICO® Scores and VantageScore credit scores. With FICO Scores, a score of 670 to 739 is considered a good credit score. Most lenders consider a VantageScore credit score of 661 to 780 to be a good credit score as well.
Any credit card that reports to the three major credit bureaus — Equifax, TransUnion and Experian — has the potential to build and improve your credit score. Yet that same account could also have a negative impact on your credit score as well.
In the end, it’s the way you handle your credit card account that will determine whether it impacts your credit for better or worse.
Improving your credit score from good to excellent can take time. The most important rule to follow when trying to improve your credit is to always pay your credit obligations on time. Maintaining a low credit utilization ratio on your credit cards is also wise since this factor can also affect your credit score in a meaningful way.
In the United States, 90% of top lenders use FICO Scores. A good FICO Score ranges from 670 to 739. A fair FICO Score ranges from 580 to 669.
Having fair credit could make it more difficult to qualify for financing products, although you can get a credit card with fair credit. But if you work to improve your credit and earn a good credit score, you’re more likely to be eligible for better credit offers from lenders and credit card companies in the future.
*The information for the Chase Freedom Flex® and Citi Strata Premier℠ Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.
Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.
Blueprint has an advertiser disclosure policy. The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.