Best Credit Cards For Good Credit 2024

For a simple rewards card with no annual fee and high earning potential, look no further than Chase’s flagship card, Freedom Unlimited®. On top of a strong everyday 1.5% earning rate, you can cash in for 3% on dining and drugstores and 5% on travel booked through Chase. Boost your rewards for up to $300 in bonus earnings in the first year.
Pros:

• Unlimited 1.5% cash back
• High potential first-year bonus with no annual fee
• 15-month 0% intro APR

Cons:

• High balance transfer fee
• Must have a companion Chase card to transfer points to travel partners
• Foreign transaction fee

• 3% cash back on the first $20,000 you spend in the first year (up to $300 bonus value), or 4.5% on dining and drugstores and 6.5% on travel booked through Chase Ultimate Rewards
• Ongoing rewards: 5% on Chase Ultimate Rewards travel, 3% on dining and drugstores, 1.5% on everything else
• No annual fee

If you’d rather keep the reward-earning game simple and streamlined, the Capital One Quicksilver card is a nice alternative to Chase’s Freedom Unlimited®. Earn unlimited 1.5% cash back on all purchases, plus an automatic $200 welcome bonus after you spend only $500 in the first three months.

Pros:

• Hassle-free rewards with no categories to track
• No foreign transaction fee
• Easy-to-earn welcome bonus

Cons:

• Besides Capital One Travel bookings, no opportunity to earn bonus rewards
• High potential regular APR after 15 months

• $200 bonus when you spend $500 in first three months
• No annual fee or foreign transaction fees
• Unlimited 5% cash back when you book travel through Capital One Travel
• 0% intro APR on purchases on balance transfers for first 15 months

It takes a bit more work to make the most of the Discover it® Cash Back rewards card, but you can earn sizeable rewards — especially in the first year. Activate and track your spending categories closely to take advantage of a full cash-back match at your one-year anniversary.

Pros:

• Double your reward earnings in the first year
• 5% back on key categories like grocery stores, Amazon and restaurants
• 0% purchase APR for 15 months

Cons:

• Must track and activate bonus categories
• Cap on bonus rewards each quarter
• Must wait 12 months to earn your welcome bonus

• Automatically get a full cash-back match on your first account anniversary, no matter how much you’ve earned
• 5% back on $1,500 in combined purchases on quarterly bonus categories, which include Amazon, gas stations, restaurants, grocery stores and more
• Unlimited 1% cash back on all other purchases
• 0% APR for 15 months does not include balance transfers
• No annual fee

Frequent travelers will easily benefit from this high-earning card, despite the modest annual fee. Earn up to $750 in travel rewards in the first three months, then benefit from ongoing 2X to 5X points on key travel categories, which you can redeem for 25% more through Chase.

Pros:

• Convert 60,000 bonus points to $750 in travel cash by booking through Chase Ultimate Rewards
• Flexible redemption options
• Travel and shopping protections built in

Cons:

• Annual fee
• No intro APR
• Travel bookings outside Chase don’t earn the highest rewards

• 60,000 bonus points when you spend $4,000 in the first three months
• 5X points on travel booked through Chase Ultimate Rewards, 3X points on dining, 2X points on all other travel purchases
• $50 annual hotel rewards credit
• Boost point value by 25% when you book travel through Chase Ultimate Rewards
• Trip protections include Trip Cancellation/Interruption Insurance, Lost Luggage Insurance, and Auto Rental Collision Damage Waiver
• Activate by Dec. 31, 2024, for complimentary DashPass

This card is a solid reward earner for good-credit spenders who want to take advantage of AmEx benefits with no annual fee. Earn 1.5% cash back on all purchases, a generous $200 welcome bonus, and 0% APR for the first 15 months.

Pros:

• Unlimited 1.5% cash back on all eligible purchases with no categories to track
• Easy-to-earn welcome bonus
• Access to AmEx benefits like car rental insurance

Cons:

• Minimum $25 cash-back redemption
• No opportunity to boost rewards with bonus categories
• High 2.7% foreign transaction fee

• $200 statement credit when you spend $2,000 in the first six months
• No annual fee
• 0% intro APR on purchase and balance transfers for the first 15 months
• No fees for buy now, pay later Plan It plans created in the first 15 months
• No annual fee

For spenders who want to maximize rewards and don’t mind tracking their spending categories, Chase’s Freedom Flex℠ is a great option. If you keep up with the rotating quarterly categories and book travel through Chase, this card will pay you back in spades.

Pros:

• 5% rewards on $1,500 in bonus category purchases each quarter
• High earning potential in other key categories like travel and dining
• 0% intro APR for balance transfers and purchases

Cons:

• Low base rewards rate on everyday purchases
• Cap in bonus rewards earnings each quarter
• Bonus categories must be tracked and activated each quarter

• $200 bonus when you spend $500 in the first three months
• 5% back on up to $1,500 in combined bonus category purchases (categories rotate quarterly and must be activated)
• 5% back on travel booked through Chase Ultimate Rewards
• 3% back on dining and drugstores and 1% back on all other purchases
• Balance transfer fee applies, even during intro APR period
• No annual fee