Best Credit Cards Good Credit | December 2024 Guide
- Credit Cards
- October 29, 2024
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Having a good credit score can unlock the best credit card rewards and deals. The financial world is always changing. Knowing the latest in credit cards for good credit in December 2024 helps you stay ahead. Whether you want top rewards, cash back, or special benefits, comparing cards can boost your finances.
People with good credit scores, from 670 to 739, get the best credit card offers1. Look at welcome bonuses, ongoing value, fees, and special perks when choosing. This guide helps you find the best card for your credit and spending habits. You’ll find great travel rewards and cash-back options.
If you are looking to maximize your credit card rewards points, checkout our Credit Card Points for Beginners Guide.
Key Takeaways
- Individuals with credit scores in the range of 670 to 739 often qualify for the most competitive credit card offers1.
- Experts suggest evaluating cards based on welcome offers, ongoing value, fees, and unique cardholder perks1.
- The Capital One Venture Rewards Credit Card tops the list with a rating of 4.9 on Bankrate and offers 75,000 miles after spending $4,000 in 3 months23.
- For those interested in cash back, American Express® Blue Cash Preferred Card offers 6% cash back on US supermarket purchases up to $6,000 per year2.
- Credit cards for good credit often come with benefits like Global Entry or TSA PreCheck® credits up to $120 and no foreign transaction fees1.
- Annual fees for these top-tier cards range from $0 to $395, providing various options for different budgets23.
- Others, like the Wells Fargo Autograph Journey℠ Card, offer significant cash-back bonuses, making them ideal for high retail spenders3.
Introduction to the Best Credit Cards for Good Credit
Good credit opens up many credit card options. Each card offers unique perks and rewards. It’s key to find the best card for your spending and financial needs. A reliable credit card comparison site can help you find top cards for good credit.
The Chase Sapphire Preferred® Card is a standout. It offers a 60,000 points welcome bonus after spending $4,000 in the first three months. This can be worth up to $1,0504. It also gives 5x points on travel booked through Chase Travel℠ and a $300 annual travel credit45.
However, it has a high APR of 20.99% to 27.99% variable and a $95 annual fee5. Still, many find the rewards and benefits worth it.
The Discover it® Cash Back card is another great option. It has a 0% introductory APR for 15 months on purchases and balance transfers. You get 5% cash back on certain categories and 1% on everything else45. Plus, Discover doubles all cash back earned in the first year, adding extra value for new users4.
The Wells Fargo Active Cash® Card is also worth considering. It has a 5-star rating and offers 2% cash back on all purchases with no annual fee45. Its simple rewards make it great for those looking for easy and generous cash back.
The Blue Cash Preferred® Card from American Express is another top choice. It gives 6% cash back at U.S. supermarkets (up to $6,000 annually), 3% at U.S. gas stations, and more. It has a $0 annual fee for the first year, then $956. It’s perfect for families and those with high grocery and gas bills.
By using a detailed credit card comparison site, you can match these top credit card offers to your needs. This ensures you get the most benefits and rewards from your cards.
Top Credit Cards for Good Credit Scores (December 2024)
Looking for the best credit cards for good credit in December 2024? The Capital One Venture Rewards Credit Card and the Citi Strata Premier℠ Card are top picks. They offer great rewards on travel and many transfer partners.
Capital One Venture Rewards Credit Card
The Capital One Venture Rewards Credit Card is known for its flexibility and new transfer partners. You earn 2 miles per dollar on every purchase. With an annual fee of $95, it’s a great choice for those with excellent credit.
Having a credit score above 750 can get you even better terms and rates7. It also offers a big signup bonus. This makes it one of the best credit cards for good credit scores in December 2024.
Citi Strata Premier℠ Card
The Citi Strata Premier℠ Card is often compared to the Chase Sapphire Preferred® Card. It has a strong rewards structure and access to many transfer partners. You earn 3 points per dollar on travel and dining, and 1 point per dollar on all other purchases.
Like the Capital One Venture, it has an annual fee of $95. It’s recommended for those with good to excellent credit scores. Exclusive benefits like generous signup bonuses and travel rewards make it a top choice on credit card comparison sites.
Here’s a comparison table of these top rewards credit cards:
| Credit Card | Annual Fee | Reward Rates | Signup Bonus | Transfer Partners |
|---|---|---|---|---|
| Capital One Venture Rewards Credit Card | $95 | 2 miles per dollar on every purchase | 60,000 miles after spending $3,000 in the first 3 months | 15+ travel partners |
| Citi Strata Premier℠ Card | $95 | 3 points per dollar on travel and dining, 1 point per dollar on other purchases | 50,000 points after spending $4,000 in the first 3 months | 17+ travel partners |
Both the Capital One Venture Rewards Credit Card and the Citi Strata Premier℠ Card are great for those with good to excellent credit. They offer excellent rewards, competitive annual fees, and many transfer partners. They’re perfect for maximizing your travel and points.
American Express® Gold Card
The American Express® Gold Card is known for its great Membership Rewards® program. It’s one of the best rewards credit card programs out there. You earn 4X Membership Rewards® points for every dollar spent at restaurants worldwide and U.S. supermarkets, up to $25,000 a year8.
It also gives 3X points on flights booked directly with airlines or through AmexTravel.com8. This means you get valuable rewards on your travel expenses.
The Platinum Card® from American Express
The Platinum Card® from American Express is famous for its luxury travel perks. It offers extensive airport lounge access, perfect for frequent travelers. Plus, it has a big welcome points offer for new members after they meet the spending requirements in a few months.
This card gives 5X Membership Rewards® points on flights and prepaid hotels booked through AmexTravel.com. It also offers 1X points on other purchases8. It’s a top choice for those looking for a premium rewards credit card with good credit9.
Both the American Express® Gold Card and The Platinum Card® from American Express offer great value. They do this through their rewards structures and extra perks. They are among the best credit cards for people with good credit scores.
Best Cash-Back Credit Cards
When looking for the best cash-back credit cards, the Bank of America® Premium Rewards® credit card and the Wells Fargo Autograph Journey℠ Card are top choices. They have strong rewards programs for people with good credit.
Bank of America® Premium Rewards® credit card
The Bank of America® Premium Rewards® credit card is a great pick for rewards. It’s especially good for Bank of America customers who can use the Preferred Rewards program. This program can increase your cash back, making it a top choice.
This card gives up to 50,000 online bonus points after spending $3,000 in the first 90 days. You get 2 points for every $1 spent on travel and dining, and 1.5 points on all other purchases. It also has travel and purchase protection, making it even more appealing.
Wells Fargo Autograph Journey℠ Card
The Wells Fargo Autograph Journey℠ Card is a new but popular choice. It has a great rewards program and unique transfer partners. It offers a welcome bonus of 20,000 bonus points after spending $1,000 in the first 3 months.
Cardholders get 5% cash back on hotel and car rental purchases through the portal, and 3% cash back at restaurants, on travel, and entertainment. You also earn 1% cash back on other purchases. Its diverse bonuses and annual fees make it a top contender.
| Credit Card | Intro Offer | Primary Cash Back Rate | Annual Fee | Extra Rewards |
|---|---|---|---|---|
| Bank of America® Premium Rewards® | 50,000 bonus points after $3,000 spend | 2 points per $1 on travel/dining | $95 | Travel and purchase protection |
| Wells Fargo Autograph Journey℠ Card | 20,000 bonus points after $1,000 spend | 5% on travel in portal, 3% on restaurants, travel, entertainment | $0 | Comprehensive rewards program |
| Wells Fargo Active Cash® Card | $200 after $500 spend in 3 months | 2% unlimited cash back | $0 | Intro APR for 15 months10 |
| Blue Cash Everyday® Card from American Express | $200 after $2,000 spend in 6 months | 3% at U.S. supermarkets | $0 | 0% intro APR for 15 months11 |
The Bank of America® Premium Rewards® credit card and the Wells Fargo Autograph Journey℠ Card are excellent choices. They offer great benefits and are among the best cash-back credit cards. These cards help maximize rewards and add value to your everyday spending and specific categories.
Best Credit Card Benefits and Offers
Looking into the top credit card benefits and offers, two cards catch the eye. The Capital One Venture X Rewards Credit Card and the American Express® Business Gold Card offer great perks and rewards.
Capital One Venture X Rewards Credit Card
The Capital One Venture X Rewards Credit Card is known for being affordable. It comes with travel benefits like credits and free lounge access. It also has a high rewards rate, making it a standout in the rewards program world.
On average, travel rewards cards earn 2.7 points/miles per dollar spent12. The Venture X offers these benefits at a great price. It’s also praised on credit card comparison sites for its value.
American Express® Business Gold Card
The American Express® Business Gold Card is a top choice for business users. It has a high points earning rate and a big welcome bonus. The average welcome bonus is around 62,200 points12, matching this card’s offer.
It also has business-focused perks. Reviews show it’s a strong contender among top credit card offers. It’s especially good for those who want great rewards on business spending.
Conclusion
Looking for the best credit cards for good credit in December 2024? Think about what you need and how you spend money. There are cards for travelers, business owners, and those who love cash-back rewards.
The Capital One Venture Rewards Credit Card and Citi Strata Premier℠ Card are great for good credit scores. They offer nice benefits and rewards. For rewards lovers, the American Express® Gold Card and The Platinum Card® from American Express give lots of points and benefits for daily spending.
Want to earn cash back? The Bank of America® Premium Rewards® credit card and Wells Fargo Autograph Journey℠ Card offer great cash-back deals. Also, the Capital One Venture X Rewards Credit Card and American Express® Business Gold Card have amazing benefits and offers for your spending.
To pick the right credit card, compare rewards, fees, and benefits. This helps find the best card for your financial life. Choosing wisely can improve your finances and give you many perks. Whether it’s travel benefits with the Chase Sapphire Reserve® or cash back with the Wells Fargo Active Cash® Card, the right card can help you reach your financial goals131415.
