Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem through Chase Ultimate Rewards®.
2X points on travel and dining at restaurants worldwide, eligible delivery services, takeout and dining out & 1 point per dollar spent on all other purchases.
Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 80,000 points are worth $1,000 toward travel.
Get unlimited deliveries with a $0 delivery fee and reduced service fees on orders over $12 for a minimum of one year on qualifying food purchases with DashPass, DoorDash's subscription service. Activate by 12/31/21.
Earn 5X points on Lyft rides through March 2022. That's 3X points in addition to the 2X points you already earn on travel.
No Late Fees, No Penalty Rate, and No Annual Fee... Ever
0% Intro APR on balance transfers for 21 months from date of first transfer. All transfers must be completed in first 4 months. After that, the variable APR will be 14.74% - 24.74%, based on your creditworthiness.
0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 14.74% - 24.74%, based on your creditworthiness.
If you transfer a balance with this offer, after your 0% Intro purchase APR expires, both new purchases and unpaid purchase balances will automatically accrue interest until all balances, including your transferred balances, are paid in full
There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater.
The standard variable APR for Citi Flex Plan is 14.74% - 24.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
Earn unlimited 2 points for every $1 spent on travel and dining purchases and 1.5 points for every $1 spent on all other purchases
Enjoy the flexibility to choose how you redeem your points – redeem for cash back as a deposit into Bank of America® checking or savings accounts, for credit to eligible Merrill Edge® and Merrill Lynch® accounts including 529 accounts, as a statement credit to your credit card, or for gift cards and purchases at the Bank of America Travel Center
Earn 50,000 online bonus points (a $500 value) after you make at least $3,000 in purchases in the first 90 days of account opening
Get up to a $100 Airline Incidental Statement Credit annually for qualifying purchases such as seat upgrades, baggage fees, in-flight services, and airline lounge fees - automatically applied to your card statement
Earn 3X Points at restaurants, supermarkets, gas stations, and on air travel and hotel purchases — all other purchases earn 1X Points
Earn 60,000 Bonus Points after making $4,000 in purchases with your card within the first 3 months of account opening
Enjoy $100 off a single hotel stay of $500 or more, excluding taxes and fees, through thankyou.com, once per calendar year
Transfer ThankYou® Points to participating airline loyalty programs including TrueBlue®, Virgin Atlantic Flying Club, and Singapore Airlines KrisFlyer, to get flights faster. There is no fee, and the minimum transfer is only 1,000 points.
The Citi Rewards+℠ Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com
0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 13.49% - 23.49%, based on your creditworthiness. Balance transfer fee — either $5 or 3% of the amount of each transfer, whichever is greater.
Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X Points on All Other Purchases.
The standard variable APR for Citi Flex Plan is 13.49% - 23.49%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
0% Intro APR on balance transfers for 21 months from date of first transfer. After that, the variable APR will be 13.74% - 23.74%, based on your creditworthiness. All transfers must be completed in first 4 months.
0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 13.74% - 23.74%, based on your creditworthiness.
If you transfer a balance with this offer, after your 0% Intro purchase APR expires, both new purchases and unpaid purchase balances will automatically accrue interest until all balances, including your transferred balance, are paid in full.
There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
Get free access to your FICO® score online.
With Citi Entertainment℠, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
Earn 3% cash back on your choice of one of the following six categories: gas stations (default), office supply stores, travel, TV/telecom & wireless, computer services, or business consulting services
Earn 2% cash back on dining, earn unlimited 1% cash back on all other purchases
Get a $300 statement credit when you make at least $3,000 in net purchases within 90 days of your account opening
Get 75% more cash back on every purchase when you're a Preferred Rewards for Business Platinum Honors tier member. That means you'll earn 5.25% on your selected choice category, 3.5% on dining, and unlimited 1.75% cash back on all other purchases.
Earn 1 Membership Rewards® point for every eligible dollar you spend
You can get double Membership Rewards® points on every dollar of eligible travel purchases—such as prepaid hotel stays, vacation packages, and cruises—when you use your card to book your trip through AmexTravel.com
Amex Offers rewards you at places you like to shop, dine, travel, and more. Simply log in to your account or use the American Express® App to add offers to your card. Then use that same card to pay and enjoy rewards directly on your statement.
Plan It® is a payment option that lets you split up purchases of $100 or more into clear and simple monthly payments with a fixed fee and no interest
Earn unlimited 1.5 points for every $1 you spend on all purchases, everywhere, every time – no matter how much you spend
Earn 3 points per every dollar spent when you book your travel (car, hotel, airline) through the Bank of America® Travel Center
Earn 30,000 bonus points when you make at least $3,000 in net purchases within 90 days of your account opening which can be redeemed for a $300 statement credit towards travel purchases
Get 75% more points on the base earn of every purchase you make when you’re a Preferred Rewards for Business Platinum Honors tier member. That means you'll earn 2.62 points on all purchases and 4.12 points for every $1 you spend at the Bank of America® Travel Center.
0% introductory APR on purchases for 9 billing cycles from account opening
Earn 2X miles for every $1 spent on American Airlines purchases and at cable and internet providers, gas stations, select telecommunications merchants, and car rental services — all other purchases earn 1X points
Earn 60,000 American Airlines AAdvantage® bonus miles after spending 4,000 within 4 months of account opening
First checked bag free on domestic American Airlines itineraries for you and up to 4 travel companions
25% savings on American Airlines inflight WiFi, food, and beverage purchases when you use your card
Earn an American Airlines Companion Certificate for domestic travel after $30,000 in purchases each card membership year and card membership is renewed. Fees apply.
Earn unlimited 3 miles for every $1 spent on eligible Alaska Airlines purchases and unlimited 1 mile for every $1 spent on all other purchases
Enjoy 20% back on all Alaska Airlines inflight purchases and 50% off day passes at the Alaska Lounge when you pay with your new card
Get 40,000 bonus miles after you make $2,000 or more in purchases within the first 90 days of your account opening
Get Alaska's Famous Companion Fare™ from $121 ($99 fare plus taxes and fees from just $22) after you make $2,000 or more in purchases within the first 90 days of your account opening. There are no blackout dates.
Save with a free checked bag on Alaska flights for you and up to six other guests on the same reservation
The credit card offers that appear on this site are from credit card companies from which CardRates.com receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). CardRates.com does not include all credit card companies or all available credit card offers.
Review Breakdown: Cards for Good Credit
If you're looking for a new credit card and have a good credit history, you'll have no problem finding a great offer to fit your needs. Below we've summarized all the top offers for applicants with good credit, along with the best features of each. Simply click on the card name to visit the issuer's secure online application.
Here are 2020's best credit cards for good credit:
We all know the benefits of having a good credit score — it’s easier to get approved for new credit, rental properties, and utility accounts. But what about the benefits you get from having an excellent credit score?
While going from good to excellent credit is a simple matter of a couple dozen credit score points, the money-saving potential is real. An excellent credit score can save you thousands of dollars over your lifetime by giving you access to lower interest rates on loans and credit cards, as well as the ability to qualify for certain top-tier rewards credit cards not available to those with lower credit scores.
The actual numerical range of good and excellent credit scores will vary based on the specific credit score model, but since FICO credit scores are the most widely used, we’ll use those numbers for our examples.
A FICO credit score is considered good if it falls between 670 and 739, very good if it’s between 740 and 799, and excellent if it is above 800 (the maximum FICO Score for most models is 850).
So, how does one reach the coveted club of excellent-credit consumers? For the most part, it just takes time.
Keep Paying Your Bills on Time and Maintain Low Balances
If you have managed to earn a good credit score, you likely already have the tools and responsible credit behaviors to reach an excellent credit score. For example, you probably have a positive payment history and low credit utilization rates, as those are the two main factors in your credit score calculations.
That said, as you reach the good and excellent credit score ranges, things like your credit history length and credit mix will play larger roles in pushing your score to the next level. In particular, the length of your credit history is 15% of your FICO calculation, which can easily be the difference between a 725 credit score and one above 750.
Unfortunately, the only thing you can do to improve the length of your credit history is to wait. So, just keep up the same responsible credit card habits that got you to a good credit score and, as your credit history lengthens, you should see your credit score rise.
Expand Your Good Credit Habits to Achieve Excellent Credit
Your credit mix is also subject to time to a certain extent, as young people are certainly less likely to have the means necessary to obtain personal loans, auto loans, or mortgage loans. But, as you move through the stages of life and take on new financial responsibilities, make sure you maintain the same good credit habits that got you this far — and extend them to your new credit products.
Reaching an excellent credit score isn’t an accomplishment you can achieve overnight. It takes years of credit building and responsible financial decisions to join the coveted 800+ club.
But, as those with excellent credit can likely attest, it’s a goal worth pursuing, and one for which your pocketbook will thank you.
Editorial Note: Opinions expressed here are author's alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.
The information on this page was reviewed for accuracy on .
About the Author
Brittney Mayer Credit Analyst
Brittney is a Credit Strategist and Finance Expert who has spent years honing her knowledge of the credit industry both personally and professionally. Brittney applies her more than a decade of research experience to crafting in-depth consumer guides designed to help CardRates readers make better, more informed financial decisions.
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Advertiser Disclosure: The credit card offers that appear on this site are from credit card companies from which CardRates.com receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). CardRates.com does not include all credit card companies or all available credit card offers. See the credit card issuer's website for specific terms and conditions of each card.