Best Rewards Credit Cards for Good Credit

Those with FICO scores of at least 690 have a lot of choices when it comes to earning cash back or travel rewards.

Kimberly PalmerMay 21, 2020

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When you have good credit — typically a FICO score of 690 or higher — you have a lot of options when it comes to rewards credit cards. You can choose between a card that earns cash back and one that earns points for travel and other redemption options. You can also decide between a card that earns different bonus amounts across multiple categories or a flat-rate card that earns the same amount regardless of purchase type.

The most important factors to consider are what you spend money on and what types of rewards you prefer to earn. Here are the best credit cards to consider if you have good credit:

Chase Sapphire Preferred® Card

Annual fee: $95.

Sign-up bonus: Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®.

Rewards:

  • 2 points per dollar spent on travel and dining at restaurants worldwide.

  • 5 points per dollar spent on Lyft rides through March 2022.

  • 1 point per dollar spent on everything else.

Interest rate: The ongoing APR is 15.99% - 22.99% Variable APR.

When you earn points with the Chase Sapphire Preferred® Card, you get 25% more value when you redeem them through the Chase Ultimate Rewards® portal. Combined with the sizable sign-up bonus, it’s easy to see why many frequent travelers enjoy using this card.

Discover it® Cash Back

Annual fee: $0.

Sign-up bonus: INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.

Rewards:

  • 5% cash back on up to $1,500 in combined quarterly spending in bonus categories that rotate (activation required; all other purchases earn 1% back). Previous bonus categories have included things like grocery stores, restaurants and gas stations.

Interest rate: 0% intro APR for 14 months on purchases and balance transfers, and then the ongoing APR of 11.99% - 22.99% Variable APR.

If you don’t mind the additional complexity that comes from rotating bonus categories compared with a flat-rate card, the Discover it® Cash Back could be a good choice for you. As long as you spend significantly on the bonus categories, you stand to earn a lot of cash back from this card.

Capital One® Venture® Rewards Credit Card

Annual fee: $95.

Sign-up bonus: Enjoy a one-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel.

Rewards:

  • 2 miles per dollar spent on every purchase.

Interest rate: The ongoing APR is 17.24% - 24.49% Variable APR.

With the Capital One® Venture® Rewards Credit Card, you earn double miles on every single purchase, which means you don’t have to think too hard about managing your card. If you want to earn points for traveling and be able to put them toward travel on any airline and staying at any hotel, this could be the right card for you.

Blue Cash Preferred® Card from American Express

Annual fee: $95.

Welcome bonus: $250 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months. Terms Apply.

Rewards:

  • 6% cash back at U.S. supermarkets on up to $6,000 a year in purchases (then 1%).

  • 6% back on select U.S. streaming subscriptions.

  • 3% back on transit and at U.S. gas stations.

  • 1% back on other purchases.

  • Terms apply.

Interest rate: An intro 0% intro APR on Purchases for 12 months, and then the ongoing APR of 13.99% - 23.99% Variable APR.

If you spend a lot on groceries and transit, as many families do, then it’s hard to beat the cash back rewards offered by Blue Cash Preferred® Card from American Express. While the card comes with a hefty annual fee, it pays for itself as long as you spend at least $31 a week on groceries.

Capital One® Quicksilver® Cash Rewards Credit Card

Annual fee: $0.

Sign-up bonus: One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening.

Rewards:

  • 1.5% cash back on every purchase.

Interest rate: 0% APR for 15 months on purchases and balance transfers, and then the ongoing APR of 15.49% - 25.49% Variable APR.

The Capital One® Quicksilver® Cash Rewards Credit Card is easy to use when it comes to both earning and redeeming rewards. It also offers a sign-up bonus as well as a 0% intro APR period.

Chase Freedom Unlimited®

Annual fee: $0.

Sign-up bonus: Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening.

Rewards:

  • 1.5% cash back on all purchases.

Interest rate: 0% Intro APR for 15 months from account opening on purchases, and then the ongoing APR of 14.99% - 23.74% Variable APR.

Like the Capital One® Quicksilver® Cash Rewards Credit Card, the Chase Freedom Unlimited® offers a solid 1.5% back on all purchases, which makes it easy to use for everyday purchases. Other benefits include the sign-up bonus and the 0% intro APR period on purchases.

Wells Fargo Propel American Express® card

Annual fee: $0.

Welcome bonus: Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.

Rewards:

  • 3 points per dollar spent on eating out and ordering in; travel, including flights, hotels, home stays and car rentals; gas stations, rideshares and transit; and popular streaming services.

  • 1 point per dollar spent on everything else.

Interest rate: An intro 0% APR for 12 months on purchases and qualifying balance transfers, and then the ongoing APR of 13.99% - 25.99% Variable APR.

If you spend a lot on food and travel, the Wells Fargo Propel American Express® card will reward you handsomely for your spending. You can redeem points for travel, cash back, gift cards and more through Wells Fargo Go Far Rewards.

Citi® Double Cash Card – 18 month BT offer

Annual fee: $0.

Sign-up bonus: None.

Rewards: 2% cash back on purchases, distributed in two stages:

  • 1% cash back for every dollar spent.

  • 1% cash back for every dollar paid off.

Interest rate: 0% on Balance Transfers for 18 months, and then the ongoing APR of 13.99% - 23.99% Variable APR.

It’s hard to beat the flat-rate cash back rewards from the Citi® Double Cash Card – 18 month BT offer when it comes to everyday spending: Since you earn 1% back for every dollar spent and then an additional 1% back when you pay off the purchases, you can earn 2% back on your spending without thinking too hard about it. If you like simplicity, this card could be a good fit.

U.S. Bank Cash+™ Visa Signature® Card

Annual fee: $0.

Sign-up bonus: $150 bonus after spending $500 in eligible net purchases within the first 90 days of account opening.

Rewards:

  • 5% cash back on two categories of your choice from a list of 12 each quarter (on up to $2,000 of spending).

  • 2% cash back on your choice of an everyday category, like gas stations or grocery stores.

  • 1% cash back on everything else.

Interest rate: 0% on Balance Transfers for 12 billing cycles, and then the ongoing APR of 13.99% - 23.99% Variable APR.

U.S. Bank Cash+™ Visa Signature® Card is a great option for people who enjoy actively optimizing their credit card rewards. You have choices to make each quarter and the potential to earn significant cash back.

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