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Best Good Credit Credit Cards of 2021

This content is not provided or commissioned by the issuer. Opinions expressed here are author's alone, not those of the issuer, and have not been reviewed, approved or otherwise endorsed by the issuer. This site may be compensated through the issuer's Affiliate Program.

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.

EDITOR’S NOTE: The Discover it® Cash Back offer mentioned in this article is expired and is no longer available

When you have good credit your options for credit cards may become a lot more interesting. Companies generally extend their best offers to people with decent credit, 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 score models 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 fall somewhere within the range of having good to excellent credit these cards may be worth a closer look.

The best credit cards within good credit range

Chase Sapphire Preferred® Card

Annual fee: $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 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $1,000 when you redeem through Chase Ultimate Rewards®. Plus earn up to $50 in statement credits towards grocery store purchases within your first year of account opening. Another plus, 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 earn 2X points on dining at restaurants including eligible delivery services, takeout and dining out and travel & 1 point per dollar spent on all other purchases worldwide. You get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. So, for example, if you redeem 80,000 points though Chase Ultimate Rewards® those points are worth $1,000 toward travel.

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

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

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 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 are eligible, you earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $1,000 when you redeem through Chase Ultimate Rewards®. Plus earn up to $50 in statement credits towards grocery store purchases within your first year of account opening. 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 this credit card for purchases you make while you’re traveling.

The Chase Sapphire Preferred® Card comes with a $95 annual fee. 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, frequent travelers may find this fee may be worth it.

Terms and conditions apply.

 

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

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

Discover it® Cash Back

EDITOR’S NOTE: The Discover it® Cash Back offer mentioned in this article is expired and is no longer available

Annual fee: $0

Why we think it’s good

Discover it® Cash Back is a solid overall cash back card where you earn 5% cashback on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Plus, automatically earn unlimited 1% cash back on all other purchases. What we think makes this a great choice is the introductory offer where Discover will automatically match all the cash back you’ve earned at the end of your first year, for new cardmembers only. There’s no minimum spending or maximum rewards.

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% cashback on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Plus, you automatically earn unlimited 1% cash back on all other purchases.

Another standout feature, as we already mentioned, is this card’s introductory offer for new cardmembers. Discover will automatically match all the cash back you’ve earned at the end of your first year.  There’s no minimum spending or maximum rewards. 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 card may well be worth the effort.

Terms and conditions apply.

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

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

 


Independent Review Disclosure: All the information about the Discover it® Cash Back credit card has been collected independently by CreditSesame.com and has not been reviewed or provided by the issuer of this card. The Discover it® Cash Back credit card is not available through CreditSesame.com.

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Provider’s Terms: *See the online provider’s application for details about terms and conditions. Reasonable efforts have been made to maintain accurate information, however, all information is presented without warranty or guarantee. When you click on the “Apply Now” button, you can review the terms and conditions on the provider’s website. Offers are subject to change and the terms displayed may not be available to all consumers.

The information, including rates and fees, presented in this article is believed to be accurate as of the date of the article. Please refer to issuer website and application for the most current information. Verify all terms and conditions of any offer prior to applying.

Responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.

Reviews: User reviews and responses are not provided, reviewed, approved or otherwise endorsed by the banks, issuers and credit card advertisers. It is not the banks, issuers, and credit card advertiser’s responsibility to ensure all posts are answered. The Credit Sesame website star ratings are an average based on contributions from independent users not affiliated with Credit Sesame. Banks, issuers and credit card advertisers are not responsible for star ratings, nor do they endorse or guarantee any posted comments or reviews.

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Published October 7, 2016
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