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.
CNBC Select breaks down the best credit cards for people with good credit, so you can choose a card that fits your needs.
5X miles on hotel and rental cars booked through Capital One Travel℠, 2X miles per dollar on every other purchase
60,000 bonus miles after spending $3,000 on purchases within 3 months of account opening
N/A for purchases and balance transfers
17.24% to 24.49% variable on purchases and balance transfers
3% for promotional APR offers; none for balances transferred at regular APR
Who's this for? The Capital One® Venture® Rewards Credit Card offers the best rewards rate on select hotel purchases: Earn 5X miles on hotel 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, 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 and comes with a bunch of additional travel perks, such as travel accident insurance, 24-hour travel assistance services and an auto rental collision damage waiver.
Check out CNBC Select's best travel credit cards.
Earn 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% cash back on dining and at drug stores, 1% cash back on all other purchases
$200 cash back after you spend $500 on purchases in your first three months from account opening
0% for the first 15 months on purchases
14.99% to 23.74% variable
Either $5 or 5% of the amount of each transfer, whichever is greater
Who's this for? If you're looking to maximize cash back in a variety of rotating categories, the Chase Freedom Flex℠ may be the card for you. Cardholders earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate (then 1%) and 1% cash back on all other purchases.
The cash-back calendar changes every quarter and currently includes: Wholesale clubs*, cable, internet, and phone services and select streaming services**(activate now through March 14). Then Walmart and PayPal are the categories from October through December. (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 Ultimate Rewards® portal, 3% cash back on dining 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 purchases (then 14.99% to 23.74% variable APR).
The Freedom card also provides cell phone protection and select partner benefits, such as 5% cash back on Lyft purchases through March 2022 and complimentary three months of DashPass, plus 50% off for the next nine months when you activate by December 31, 2021. This perk provides you with free delivery on DoorDash orders over $12 and lower service fees.
**Eligible streaming services include: Disney+, Hulu, ESPN+, Netflix, Sling, Vudu, Fubo TV, Apple Music, SiriusXM, Pandora, Spotify and YouTube TV.
Check out CNBC Select's best credit card welcome bonuses.
0% for the first 18 months on purchases and balance transfers
14.74% to 24.74% variable
3%, minimum $5
Who's this for? The Citi Simplicity® Card offers one of the longest balance transfer and purchase intro periods at 0% for the first 18 months (then 14.74% to 24.74% variable APR). This is a year and a half 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-, 15-month time periods of other balance transfer cards.
This card has no annual fee, but it does come with one of the steeper balance transfer fees: 5% (minimum $5). But 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.
Check out CNBC Select's best 0% APR credit cards.
3X points on dining out and ordering in; gas, rideshares and transit; flights, hotels, homestays and car rentals; and popular streaming services. 1X points on all other purchases
20,000 bonus points when you spend $1,000 in purchases in the first 3 months
0% APR for 12 months on purchases and qualifying balance transfers
14.49% to 24.99% variable on purchases and balance transfers
Introductory fee of 3% ($5 minimum) for 120 days, then 5% ($5 minimum)
Who's this for? The Wells Fargo Propel American Express® Card is a well-rounded card that offers unlimited 3X points per dollar spent on dining out, ordering in, travel and a number of streaming services, including Apple Music, Hulu, Netflix and Spotify Premium — all for no annual fee.
Frequent travelers will like this card because it gives you points not just on flights and hotels but also car rentals, homestays and ridesharing services. There are no blackout dates on flights booked through Go Far® Rewards, and there are no foreign transaction fees.
There's also an impressive welcome bonus for a no annual fee card: Earn 20,000 points after you spend $1,000 within the first three months. That's the equivalent to $200 in cash back.
The additional perks geared toward travelers are also worth noting: Cardholders can take advantage of lost luggage reimbursement, car rental loss and damage insurance, roadside assistance and 24/7 travel and emergency assistance.
This card also provides a year of no interest on purchases and balance transfers. (After the introductory period, there's a 14.49% to 24.99% variable APR.) If you have expected upcoming expenses that you want to pay for over time, or you're looking to consolidate debt, the Wells Fargo Propel American Express® Card can help you finance debt without incurring interest charges.
Check out CNBC Select's best no annual fee credit cards.
To determine which credit cards offer the best value, 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.
CNBC 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.
Information about the Citi Simplicity® Card, Capital One® Venture® Rewards Credit Card, and Wells Fargo Propel American Express® Card has been collected independently by CNBC and has not been reviewed or provided by the issuer of the cards prior to publication.