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Best Good Credit Credit Cards of 2019

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.

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, 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 60,000 bonus points after spending $4,000 on purchases in the first 3 months from account opening. That’s $750 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 earn 2X points on travel and dining at restaurants and 1 point per dollar spent on all other purchases worldwide. You get 25% more in travel redemption when you redeem for airfare, hotels, car rentals and cruises though Chase Ultimate Rewards®. So, for example, if you redeem 60,000 points though Chase Ultimate Rewards® those points are worth $750 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®. An additional benefit, you can transfer your points on a 1:1 point transfer to select leading airline and hotel loyalty programs.

The Chase Sapphire Preferred® Card also comes with a very generous bonus right now. If you qualify, you earn 60,000 bonus points after you spend $4,000 on purchases on your new card in the first 3 months from account opening. Those points are worth $750 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 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.

Chase Slate® credit card

Annual fee: $0

Why we think it’s good

The Chase Slate® credit 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 from account opening on purchases and balance transfers. 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 the Chase Slate® credit card 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. We think 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 the Chase Slate® credit card, 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, outside of the Chase credit card network, the Chase Slate® credit card 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 the Chase Slate® credit card issuer 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.

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

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 we think 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.

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 Chase Slate® credit card has been collected independently by CreditSesame.com and has not been reviewed or provided by the issuer of this card. The Chase Slate® credit card is not available through CreditSesame.com.

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The information, including card 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.

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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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