Best Good Credit Credit Cards of 2019

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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.

When you have a good credit score credit cards become a lot more interesting. Companies generally extend their best offers to people with a decent score, and they’re looking for applicants with a good credit history. Although it’s important to note that credit card companies use a variety of different types of credit scores and other criteria to make credit and lending decisions. In addition credit card companies generally may have a credit range that they consider for their credit card offers and each credit card company may have a slight variation as to the boundaries of that range. Bottom line, keep in mind that having a credit score in a certain credit range is not a guarantee of approval.

Since you have plenty of options, you shouldn’t just settle for any card. To help you with this important decision, we’ve covered our take on the below options. If you have good to excellent credit these cards may be worth a closer look.

The best credit cards for good credit

ChaseSapphirePreferred219Chase Sapphire Preferred® Card

Annual fee: $0 Intro for the First Year, then $95

Why we think it’s good

We think the Chase Sapphire Preferred® Card is one of the best travel cards on the market. It currently offers new Cardmembers who qualify the opportunity to earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $625 toward travel when you redeem through Chase Ultimate Rewards®. You aren’t locked into one airline or hotel.

Who we think it’s great for

  • People who travel often
  • People who want to earn a bonus
  • People who travel outside the U.S.

Who we think it’s not the best fit for

  • People who don’t want to pay an annual fee
  • People who don’t travel

Card details that stand out

When it comes to travel rewards, it’s hard to beat the Chase Sapphire Preferred® Card. Why is this credit card such a great choice?

First off, this card earns points good for travel rewards on all your purchases. You’ll earn 2X points per dollar on travel and dining at restaurants, and 1 point per dollar spent on all other purchases. You can transfer your points on a 1:1 point transfer to leading airline and hotel loyalty programs.

Image Source: https://hd.unsplash.com/photo-1445991842772-097fea258e7b

Image Source: https://hd.unsplash.com/photo-1445991842772-097fea258e7b

 

You get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. Since you can book travel for any available hotel accommodation, airline ticket, car rental service, or cruise line, you don’t have to worry about blackout dates or being locked into one company or travel restrictions – as long as there’s a seat on the flight, you can book it through Chase Ultimate Rewards®.

The Chase Sapphire Preferred® Card also comes with a very generous bonus right now. If you qualify you earn 50,000 bonus points after spending $4,000 on purchases on your card in the first 3 months from account opening. Those points are worth $625 toward travel when you redeem through Chase Ultimate Rewards®. Finally, this card doesn’t charge foreign transaction fees so it’s an option if you travel outside the U.S. and you want to use a credit card for purchases you make while traveling.

The Chase Sapphire Preferred® Card comes with a $95 ongoing annual fee. The good news is that there is an introductory annual fee of $0 for the first year. If you’re on a budget, annual fees should be weighed carefully against the benefits the card provides. In light of all the benefits of the Chase Sapphire Preferred® Card, this fee may be well worth it for many travelers.

Chase Slate®

Annual fee: $0

Why we think it’s good

The Chase Slate® card is an option if you are paying high interest on other credit card debt or you have a large purchase coming up and you want some extra time to pay off that purchase. There is a 0% introductory APR for 15 months on purchases and balance transfers from account opening. After the introductory APR period ends then a variable APR of 16.99%–25.74% applies for purchases and balance transfers. There is a $0 introductory balance transfer fee during the first 60 days your account is open. After that, the fee for future balance transfer transactions is 5% of the amount transferred with a minimum of $5.

Who we think it’s great for

  • People who have outstanding balances on other credit cards
  • People who want to make some big purchases and need time to pay them off

Who we think it’s not the best fit for

  • People who want to earn rewards
  • People who do not have an outstanding balance on other credit cards
  • People who need to make credit card purchases outside the U.S.

Card details that stand out

What makes Chase Slate® so much better than other balance transfer cards is that this card offers a $0 introductory balance transfer fee during the first 60 days your account is open. After that, the fee for future balance transfer transactions is 5% of the amount transferred with a minimum of $5. This is a fantastic deal because credit cards typically charge around 3% – 5% of the amount of each transfer as a balance transfer fee.

For example, if you owe $10,000 on another credit card, with a 3% balance transfer fee you would pay $300 upfront for transferring the amount over to another card. While this could still be less than a year of interest, it’s a pretty steep one time hit. With Chase Slate®, you don’t have to pay a balance transfer fee on balance transfers made during the first 60 days so you can put those savings towards paying off your balance. However after the $0 introductory balance transfer fee period ends, the fee for future balance transfer transactions is 5% of the amount transferred with a minimum of $5.

If you’re carrying a balance with a high interest rate on another credit card, a non-Chase card, Chase Slate® can be a tool to help you pay down or pay off that debt as long as you manage your account responsibly. The 0% introductory APR is for 15 months on purchases as well as balance transfers from account opening, then after that, a variable APR of 16.99%–25.74% will apply. This gives you the opportunity for 15 months to pay down your debt without owing any interest on the eligible balance. This card does not charge an annual fee. Something to keep in mind is to check the balance transfer limit Chase Slate® will extend to you.

This card doesn’t earn rewards, but for giving you the opportunity to save on interest while paying off your transferred balance, it may be worth a closer look.

 

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Image Source: https://hd.unsplash.com/photo-1469920783271-4ee08a94d42d

 

Discover it® Cash Back

Annual fee: $0

Why we think it’s good

Discover it® Cash Back  is a solid overall cash back card where you earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically. What makes this a great choice is the introductory offer where Discover will match all the cash back you’ve earned at the end of your first year, automatically, for new cardmembers only. There’s no signing up and no limit to how much is matched.

Who we think it’s great for

  • People who want to earn cash back rewards
  • People who plan to do a lot of spending on purchases in their first year
  • People who do not want to pay an annual fee

Who we think it’s not the best fit for

  • People who want to earn travel rewards
  • People who do not like tracking categories for earning rewards

Card details that stand out

Discover it® Cash Back is a cash back card where you earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate. After you hit that quarterly spend limit, you earn unlimited 1% cash back on all other purchases – automatically.

Another standout feature, as we already mentioned, is this card’s introductory offer for new cardmembers. Discover will match all the cash back you’ve earned at the end of your first year, automatically.  There are no sign-ups for this introductory offer and there’s no limit to how much Discover will match. That’s a nice way to start off, if you do some serious shopping the first year. Again this introductory offer is for new cardmembers only.

And for some icing on the cake there is no annual fee.  If you’re interested in earning in the rotating categories, and those categories align with your spending habits the Discover it® Cash Back may well be worth the effort.

If you’re interested in this offer click on the below “Learn More” link which will take you to a card details page with additional information.

Learn More about Discover it® Cash Back

 

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Image Source: https://hd.unsplash.com/photo-1472664596512-0d00517b6ae0

 

 


Disclaimer: All the information about the Chase Sapphire Preferred® Card and Chase Slate® has been collected independently by CreditSesame.com and has not been reviewed or provided by the issuer of these cards. The Chase Sapphire Preferred® Card and Chase Slate® are not available through CreditSesame.com.

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Published October 7, 2016
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