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Credit Cards

Best credit cards for good credit in April 2024

We analyzed the most popular credit cards that have good credit score requirements to find the best cards for your needs.

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A good credit score (670 to 739) is essential to qualifying for some of the best credit card offers. Credit cards that require good credit often provide competitive rewards, generous welcome bonuses, long 0% APR periods, annual statement credits and more that make it worthwhile to have a score above 670.

And good credit doesn't only help you qualify for the best credit cards — you can also receive better interest rates on mortgages and auto loans, as well as other financial products.

Don't know your credit score? Check your credit score for free now.

If you don't fall within the good credit range, check out our roundup of the best cards for bad credit (scores below 580) or fair/average credit (580 to 669).

CNBC Select breaks down the best credit cards for people with good credit, so you can choose a card that fits your needs.

Best credit cards for good credit

Best for travel

Capital One Venture Rewards Credit Card

On Capital One's secure site
  • Rewards

    5 Miles per dollar on hotel and rental cars booked through Capital One Travel, 2X miles per dollar on every other purchase

  • Welcome bonus

    Earn 75,000 bonus miles once you spend $4,000 on purchases within 3 months from account opening

  • Annual fee

    $95

  • Intro APR

    N/A for purchases and balance transfers

  • Regular APR

    19.99% - 29.99% (Variable)

  • Balance transfer fee

    $0 at the Transfer APR, 4% of the amount of each transferred balance that posts to your account at a promotional APR that Capital One may offer to you

  • Foreign transaction fee

    None

  • Credit needed

    Excellent/Good

See rates and fees, terms apply.

Pros

  • 5 miles per dollar on hotel and rental cars booked through Capital One Travel
  • Global Entry or TSA PreCheck application fee credit up to $100 every 4 years

Cons

  • No introductory APR
  • There’s a $95 annual fee

Best for welcome bonus

Chase Freedom Flex℠

  • Rewards

    5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate (then 1%), 5% cash back on travel booked through the Chase Ultimate Rewards®, 3% on drugstore purchases and on dining (including takeout and eligible delivery services), 1% cash back on all other purchases

  • Welcome bonus

    Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.

  • Annual fee

    $0

  • Intro APR

    0% for the first 15 months from account opening on purchases and balance transfers

  • Regular APR

    20.49% - 29.24% variable

  • Balance transfer fee

    Intro fee of either $5 or 3% of the amount of each transfer, whichever is greater, on transfers made within 60 days of account opening. After that, either $5 or 5% of the amount of each transfer, whichever is greater.

  • Foreign transaction fee

    3%

  • Credit needed

    Excellent/Good

  • Member FDIC. Terms apply. Information about the Chase Freedom Flex℠ has been collected independently by Select and has not been reviewed or provided by the issuer of the card prior to publication.

Pros

  • No annual fee
  • Generous welcome bonus
  • Opportunity to earn up to 5% cash back in select categories upon activation
  • Rewards can be transferred to a Chase Ultimate Rewards card

Cons

  • Bonus categories must be activated each quarter
  • 3% fee charged on foreign transactions

Best for 0% APR period

Citi Simplicity® Card

On Citi's Secure Site
  • Rewards

    None

  • Welcome bonus

    None

  • Annual fee

    $0

  • Intro APR

    0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening.

  • Regular APR

    19.24% - 29.99% variable

  • Balance transfer fee

    There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).

  • Foreign transaction fee

    3%

  • Credit needed

    Excellent/Good

Pros

  • No annual fee
  • Balances can be transferred within 4 months from account opening
  • One of the longest intro periods for balance transfers

Cons

  • 3% foreign transaction fee
  • No rewards program

More on our top credit cards for good credit

Capital One Venture Rewards Credit Card

Who's this for? The Capital One Venture Rewards Credit Card offers the best rewards rate on select hotel purchases: Earn 5X miles per dollar on hotels and rental cars booked through Capital One Travel and 2X miles per dollar spent on all other spending, which is a great flat rate. While Venture does come with a $95 annual fee (see rates and fees), it's low compared to some other rewards cards, with some annual fees up to $550.

In addition to rewards, every four years cardholders receive a credit for a Global Entry or TSA PreCheck® application, up to $100. If you travel often, this is a great perk that can save you time and money.

This card has no foreign transaction fees (see rates and fees) and comes with a bunch of additional travel perks, such as 24-hour travel assistance services and an auto rental collision damage waiver.

*See the respective Guide to Benefits for details, as terms and exclusions apply.

[ Return to card summary ]

Check out CNBC Select's best travel credit cards.

Chase Freedom Flex℠

Who's this for? If you have good credit and are looking to maximize cash back in a variety of rotating categories, the Chase Freedom Flex℠ may be the card for you.

The cash-back calendar changes every quarter; learn more about how Chase classifies bonus category purchases.

In addition to rotating rewards, you can earn 5% cash back on travel booked through the Chase Travel℠ portal, 3% cash back on dining at restaurants and at drug stores and 1% cash back on all other purchases.

Freedom Flex also has one of the best welcome bonuses around: Earn $200 cash back after you spend $500 on purchases in your first three months from account opening. That's like earning 40% back.

Beyond rewards, you can take advantage of no annual fee and a competitive no-interest period for the first 15 months from account opening on new purchases and balance transfers (then 20.49% - 29.24% variable APR). There's an intro balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater, on transfers made within 60 days of account opening. After that it's either $5 or 5% of the amount of each transfer, whichever is greater.

The Freedom Flex card also provides cell phone protection and select partner benefits, such as 5% cash back on Lyft purchases through March 31st, 2025 and complimentary three months of DashPass, plus 50% off for the next nine months when you activate by December 31st, 2024. This perk provides you with free delivery on DoorDash orders over $12 and lower service fees.

[ Return to card summary ]

Check out CNBC Select's best credit card welcome bonuses.

Citi Simplicity® Card

Who's this for? The Citi Simplicity® Card offers one of the longest balance transfer intro periods at 0% intro APR for the first 21 months from date of first transfer (after, 19.24% - 29.99% variable APR). This is nearly two years to pay off debt, which can be helpful if you have a large balance or if your cash flow doesn't allow you to pay off debt within the 6-, 12- or 15-month time periods of other balance transfer cards.

This card has no annual fee and come with an introductory balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5). This can be worthwhile if you're paying high interest charges.

New cardholders have four months to complete their balance transfer (longer than the typical 60 to 90 days). While you have more time to complete a transfer, the intro APR period starts at account opening — so try to make the transfer as soon as possible to get the most benefit of the interest-free period.

This card also never charges late fees (though we always recommend you pay your balance on time and in full). There isn't a welcome bonus or a rewards program.

[ Return to card summary ]

Check out CNBC Select's best 0% APR credit cards.

Why trust CNBC Select?

At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every credit card review is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of credit card productsWhile CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics. See our methodology for more information on how we choose the best credit cards for good credit.

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Our methodology

To determine which credit cards offer the best value for people with good credit, CNBC Select analyzed 234 of the most popular credit cards available in the U.S. We compared each card on a range of features, including rewards, welcome bonus, introductory and standard APR, balance transfer fee and foreign transaction fees, as well as factors such as required credit and customer reviews when available. We also considered additional perks, the application process and how easy it is for the consumer to redeem points.

CNBC Select teamed up with location intelligence firm Esri. The company's data development team provided the most up-to-date and comprehensive consumer spending data based on the 2019 Consumer Expenditure Surveys from the Bureau of Labor Statistics. You can read more about their methodology here.

Esri's data team created a sample annual budget of approximately $22,126 in retail spending. The budget includes six main categories: groceries ($5,174), gas ($2,218), dining out ($3,675), travel ($2,244), utilities ($4,862) and general purchases ($3,953). General purchases include items such as housekeeping supplies, clothing, personal care products, prescription drugs and vitamins, and other vehicle expenses.

Select used this budget to estimate how much the average consumer would save over the course of a year, two years and five years, assuming they would attempt to maximize their rewards potential by earning all welcome bonuses offered and using the card for all applicable purchases. All rewards total estimations are net the annual fee.

While the five-year estimates we've included are derived from a budget similar to the average American's spending, you may earn a higher or lower return depending on your shopping habits.

Catch up on CNBC Select's in-depth coverage of credit cardsbanking and money, and follow us on TikTokFacebookInstagram and Twitter to stay up to date.

For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

Editorial Note: Opinions, analyses, reviews or recommendations expressed in this article are those of the Select editorial staff’s alone, and have not been reviewed, approved or otherwise endorsed by any third party.
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