When you have great credit history, you’ll discover a whole new world of credit cards ranging from travel credit cards, cash back credit cards, entertainment credit cards, etc. And then there are the benefits such as statement credit, sign-up bonuses, 0% intro rate offers, generous travel rewards, and cash back programs.
But how do you know if you’re in the good-to-excellent credit score range? Depending on the credit scoring model, credit scores ranging from 670 to 739 are considered to be good credit, 740 to 799 are considered to be very good credit and 800 and up are considered to be excellent credit, according to Equifax, one of the major credit bureaus.
If your credit score is in the good-to-excellent range, you’ve likely got many credit cards from many credit card issuers to choose for yourself. For now, here are a few recommended cards for good credit.
Best for: Travelers and those who like concerts, dining out and sporting events.
Rewards: This travel card earns 3 points for every dollar spent on travel, including gas stations (some exclusions), airfare, hotels, car rentals and more, and 2 points per dollar on restaurants and entertainment. All other qualifying purchases earn 1 point per dollar.
Other perks: Points are worth 25% more when you redeem them on airfare on any airline, with no blackout dates, when booked through the ThankYou® Travel Center rewards program. That means 50,000 points can buy $625 in airfare, compared with the $500 you’d get when redeeming that same amount for cash or gift cards. Citi® Private Pass® offers special access to purchase tickets (including pre-sale and VIP packages) to concerts, sporting events and other events. You’ll also enjoy access to Citi® Concierge services for travel, shopping, dining and entertainment. You can also transfer your points to certain airline loyalty programs without any fees.
Annual fee: $95 annual fee (waived for first year).
Bonus: 50,000 bonus points when you make $4,000 in purchases within the first three months of account opening.
Best for: People who want to redeem their points for airfare, hotels and other travel expenses.
Rewards: This card offers 2x points for every dollar spent on dining and travel purchases. All other purchases are worth 1x point. Here’s the best part, though: Points redeemed for travel are worth 25% more. So when you redeem 60,000 points on airfare, hotels, car rentals and cruises, they’re worth $750, compared with the cash redemption value of $600. This is why the Chase Sapphire Preferred card frequently make it onto lists for “best travel cards.”
Other perks: Access to Chase Events and Experiences, including the Sundance Film Festival and Chase Sapphire Private Dining Series; trip delay reimbursement; baggage delay insurance; travel accident insurance roadside assistance; auto rental insurance; no blackout dates or restrictions on airline tickets booked through Chase Ultimate Rewards®.
Annual fee: $95
Bonus: This travel card offers a one-time 60,000 sign-up bonus points after spending $4,000 in the first three months of opening your new card. That’s worth $600 in cash or gift cards, or $750 when you redeem points for travel.
Best for: Frequent credit card users who like to pay for everyday expenses with a credit card to rack up cash back.
Rewards: This cash back card earns rewards in different places such as unlimited 3% cash back on dining and entertainment, 2% at u.s. supermarkets and grocery stores (excluding superstores such as Walmart and Target) and 1% on all other purchases.
Other perks: No limit on cash back rewards. Set up automatic redemption preferences when your reach a specific threshold ($25, $50, $100 or $200).
Annual fee: $0
Bonus: $150 sign-up cash bonus after spending $500 within three months of account opening.
If you’re a travel bug looking for a substantial sign-up bonus, the Citi ThankYou® Premier Card or Chase Sapphire Preferred® might be your best bets, especially since points redeemed for travel are worth 25% more. If you want rewards with a 0% intro offer and without an annual fee, the Bank of America® Cash Rewards Card or Capital One® SavorOne℠ Cash Rewards Card might be more your style.
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