Why you can trust ZDNET : ZDNET independently tests and researches products to bring you our best recommendations and advice. When you buy through our links, we may earn a commission. Our process

'ZDNET Recommends': What exactly does it mean?

ZDNET's recommendations are based on many hours of testing, research, and comparison shopping. We gather data from the best available sources, including vendor and retailer listings as well as other relevant and independent reviews sites. And we pore over customer reviews to find out what matters to real people who already own and use the products and services we’re assessing.

When you click through from our site to a retailer and buy a product or service, we may earn affiliate commissions. This helps support our work, but does not affect what we cover or how, and it does not affect the price you pay. Neither ZDNET nor the author are compensated for these independent reviews. Indeed, we follow strict guidelines that ensure our editorial content is never influenced by advertisers.

ZDNET's editorial team writes on behalf of you, our reader. Our goal is to deliver the most accurate information and the most knowledgeable advice possible in order to help you make smarter buying decisions on tech gear and a wide array of products and services. Our editors thoroughly review and fact-check every article to ensure that our content meets the highest standards. If we have made an error or published misleading information, we will correct or clarify the article. If you see inaccuracies in our content, please report the mistake via this form.


The 5 best credit cards for good credit: Reap the rewards

What's the best credit card for good credit? The most practical choice is the Blue Cash Everyday Card from American Express because it's the best for everyday purchases. We compared the top options available to find the card that's most suited towards you.
Written by Lena Borrelli, Contributing Writer
Blue Cash Everyday® Card from American Express | Best credit card for everyday purchases
Blue Cash Everyday® Card from American Express
Blue Cash Everyday® Card from American Express
Best credit card for everyday purchases
View now View now
Capital One VentureOne Rewards Credit Card | Best credit card for travel
Capital One VentureOne Rewards Credit Card
Capital One VentureOne Rewards Credit Card
Best credit card for travel
View now View now

Credit cards are all based on the kind of credit you have -- but not all of us have the ideal credit score for the application process. That's okay, there are credit cards available that help you build your Fico score.

But if you're one of the lucky ones who do have good credit, there are a few credit cards you really should consider. To make your decision easier, these are our expert recommendations based off of credit card types, rewards, introductory offers, automatic reviews, and more.

Here are our top picks for the best credit card for good credit.

card highlights
intro bonusEarn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
APR19.24% - 29.99% Variable
recommended creditExcellent/Good
reward rates
  • 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
  • 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
  • 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.
  • 1% Cash Back on other purchases
annual fee$0
intro purchase APR0% on Purchases for 15 months

With the Blue Cash Everyday Card from American Express, you can earn $200. Earn $200 in statement credits after you spend $2,000 in purchases within the first six months of having the card. There is 3% cashback at U.S. supermarkets, U.S. online retail purchases and U.S. gas stations, but after you reach $6,000 in purchases, the cashback amount drops to 1% thereafter for each category.  All other purchases receive 1% off your purchases. Your cashback will be delivered as Rewards Dollars that you can redeem as a statement credit. 

There is a 0% introductory APR on purchases and balance transfers lasting 15 months before going to a 18.99% to 29.99% variable APR. Plus, this card comes with a Buy Now, Pay Later plan, although watch out for the corresponding fees. There is a plan fee of up to 1.33% of all amounts moved to the Buy Now, Pay Later plan. You also get access to other Amex benefits, like payment flexibility that does not affect your rewards. If you order additional cards for friends and family, they can help you earn rewards with their monthly spending, too. This card is great for travel, too, with a 24/7 Global Assist Hotline and rental car insurance. 


  • No annual fee
  • 0% introductory APR
  • 3% back on gas, groceries, and online retail shopping


  • 1% cashback for most spending
  • Must spend $2,000 for statement credit
  • Spending caps apply
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.
Blue Cash Everyday® Card from American Express

Blue Cash Everyday® Card from American Express

card highlights
intro bonusEarn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
APR19.99% - 29.99% (Variable)
recommended creditExcellent, Good
reward rates
  • Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
  • Earn unlimited 1.25X miles on every purchase, every day.
annual fee$0
intro purchase APR0% intro on purchases for 15 months

The Capital One VentureOne Rewards Credit Card is the card frequent travelers want with extra miles for their travel needs. You will receive five miles for every dollar you spend on hotels and rental cars, but you must book through Capital One Travel to qualify. Miles can then be redeemed as statement credits you can use. There are over 15 loyalty programs to choose from, or you can choose to redeem your rewards on PayPal or Amazon.com purchases. You can take your time, too, because rewards never expire.

There is a variable APR of 19.74% - 29.74% and no annual fee. If you use your card outside of the U.S., you can save with no foreign transaction fees. You also receive Capital One's regular benefits like emergency replacement cards and access to the Capital One Lounge.


  • Flat rewards rate
  • No annual fee
  • PayPal redemption


  • Higher APR
  • Limited rewards
  • No intro APR
Capital One VentureOne Rewards Credit Card

Capital One VentureOne Rewards Credit Card

Discover it® Balance Transfer

Best credit card for 0% balance transfers

If you want rotating rewards, this could be the card for you. With the  Discover it Balance Transfer Credit Card, you can earn 5% each quarter in a different category. Categories can include grocery stores, restaurants, gas stations, and even Amazon.com. However, rewards are capped each quarter, although no annual fee helps ease the sting. For other purchases, you earn 1% cashback. Discover will also match your spending dollar-for-dollar in the first year as a welcome gift. For this, there are no minimum spending requirements, and there is no maximum for your earnings. Your rewards can be traded for cash, and you can take your time redeeming because there is no expiration date for cashback. 

As a Discover cardholder, you will receive access to its signature benefits, like free social security number alerts and a free FICO credit score on your monthly statements.


  • Rotating categories 
  • Generous intro APR period
  • No annual fee


  • Capped rewards
  • It can be difficult to track earnings
  • Limited benefits

Petal® 2 "Cash Back, No Fees" Visa® Credit Card

Best credit card for building credit

The Petal 2 Visa Credit Card is issued by WebBank. It comes with a credit limit of up to $10,000 based on creditworthiness, and cashback ranges from 1% to 1.5% based on whether you make timely payments or not. There is also bonus cashback ranging from 2% to 10% when you shop at select merchants. You receive a variable APR of 17.99% to 31.99%. 

However, Petal makes a name for itself with no fees whatsoever for your Petal 2 Visa card. There are no annual or foreign transaction fees, and if you are running a little late on your payment, there are no late or returned payment fees. Cardholders can build credit with responsible use while avoiding fees and earning cashback. There is also the added convenience of compatibility, using your card to pay through Apple Pay or Google Pay on your phone.


  • No fees
  • Cashback with timely payments
  • Average credit accepted


  • No introductory offer
  • No cash advances or transfers

How did we choose these credit cards?

In looking for the best credit cards for good credit, we considered several factors.

  • Type of credit card: How you plan to use your card will help you find the right one for your financial needs. There are many different kinds of cards, such as those designed to build credit or earn travel rewards. Finding the right one for your spending can help you save a lot of money.
  • Rewards: Consider what kind of rewards you can earn with your credit card. While many offer cashback, others may offer other perks like travel miles instead.
  • APR: The APR on credit cards for good credit can vary significantly, depending on the company and benefits that come with the card. Before choosing a card, consider how much interest you will have to pay on each purchase.
  • Introductory offer: Many cards will offer new cardholders exclusive offers like a 0% APR or cash back up to a certain threshold.
  • Balance transfer: Balance transfers can help when you need to consolidate debt. That is why it is important to consider the fees for balance transfers in order to save money. 

What's the best credit card?

If you're a common shopper, the best credit card is the Blue Cash Everyday Card from American Express. We did the research for you, so you can enjoy the benefits on your everyday purchases.

Which is the right credit card for you?

There are many credit cards out there, but not all of them may allow anything but excellent credit. These cards could be a great fit when you have good credit, depending on your financial goals.

Choose this product...

If you want...

Blue Cash Everyday Card from American Express

Cashback on your gas and groceries 

Capital One Venture Rewards Credit Card

Flexible travel rewards

Chase Freedom Unlimited

A sign-up bonus with cashback

Discover it Balance Transfer

When you make regular balance transfers

Petal 2 Visa Credit Card

To improve your credit 

How do credit cards work?

Credit cards are a card typically made of plastic or metal that allows you to pay for purchases and then pay them back later with interest. You will have a line of credit that allows you to make purchases up to a certain amount, and you can also receive rewards for your spending. 

Why should I use a credit card?

Credit cards can be a great way to build your credit score with regular use and timely payments over time. They also can earn your rewards while offering additional benefits like fraud protection and credit score monitoring. Consider your financial standing to help you find the right credit card for good credit. 

What is the best credit card for good credit?

The best credit card for good credit depends on your financial goals. While some cards allow you to earn cash back rewards, others may reward you with travel miles or other rewards. 

What do I do if I have bad credit?

There are phenomenal card options available even if you have poor credit. A credit card for bad credit helps you rebuild your Fico score as you borrow and repay. We've pulled together the best options for you here.

What if I'm a big spender?

If a standard card doesn't meet your spending needs, then we recommend a high-limit credit card. These cards allow you to make those heftier purchases without paying cash upfront. 

Spending power can be great, but be careful not to go overboard. Transactions that exceed your spending limit are often cancelled. However, doing so often runs the risk of losing your account or having your credit score suffer.

Are there alternative cards worth considering?

There are many credit cards available today that accept good credit. These are some other options that may be worthy of your consideration:

  • Blue Cash Preferred® Card from American Express: Great for groceries
  • Capital One Quicksilver Cash Rewards Credit Card: Best for 1.5% cashback
  • Capital One Venture X Rewards Credit Card: A no-frills credit card
  • Citi Custom Cash℠ Card: Best for tailored rewards
  • Discover it® Cash Back: Recommended for everyday spending 
  • U.S. Bank Visa® Platinum Card: A long-term intro APR
  • Wells Fargo Active Cash® Card: Earn 2% cash rewards

For other credit card options, consider our picks for the best starter credit card for no credit, the best crypto credit cards, and our picks for 2022's most exclusive credit cards.

Editorial standards