Best Credit Cards for Good Credit

Reward yourself for good credit with a card from this guide.

Capital One Quicksilver Cash Rewards Card

Capital One Quicksilver card art
Recommended Credit:
690
850
Excellent and Good Credit

Everyday Rewards

1.5%

Annual Fee

$0

Why We Like It:

"1.5% cash back on everything"

A card with easy to understand cash back rules — 1.5% cash back anywhere, on all purchases. There are no rotating categories to manage or spending caps to watch out for. So if your spending habits include a wide range of categories, a flat rate card like this might be your best choice. You can also easily redeem the cash back earned (even from the mobile app) with a statement credit, gift card, or bank deposit.

In addition to cash back, this card also has an awesome intro APR offer which gives you 0% on purchases and balance transfers for 15 months. There is also a nice sign-up bonus that gives you $150 after you spend $500 within 3 months of opening your account. And to top off all of the awesome perks this card includes, there is also no annual fee to use the card.

Key features:

Welcome Offer: Get a one-time $150 cash bonus after you spend $500 in qualifying purchases within 3 months of opening your account
Cash Back Rate: Unlimited 1.5% cash back on all purchases, every day — no rotating categories to deal with
No Rush Or Worry: Cash back rewards won’t expire as long as the account is open and there is no earning limit
Introductory APR: 0% intro APR on all purchases for 15 months — 0% intro APR on balance transfers for 15 months (3% fee on amounts transferred within the first 15 months)
Fees: There is no annual fee or foreign transaction fees
Extra Perks: Includes Visa Signature benefits — offering shopping discounts, travel upgrades, as well as preferred seating at concerts and sporting events

Wells Fargo Cash Wise Visa Card

Wells Fargo Cash Wise Visa card art
Recommended Credit:
690
850
Excellent and Good Credit

Everyday Rewards

1.5%

Annual Fee

$0

Why We Like It:

"1.8% cash back w/ ApplePay® or GooglePay™"

The adage “money talks” exists for a reason. But perhaps, it’s never been truer than with Wells Fargo Cash Visa credit card. That’s because not only do you earn cashback on purchases, but the Cash Wise Visa card can help you keep the conversation going if your cell phone gets stolen or broken. Obviously, you’re here to learn if this card is right for you. So here are all the details you need to know about the Wells Fargo Cash Wise Visa card:

This isn’t your average, everyday cashback card. It has above average perks, but as such, it’s a card for high-rollers looking to spend tens of thousands of dollars each year on their credit card. And for those who have the credit score to back up that kind of shopping.

Anyone interested in applying for this card should have a minimum credit score of 690. That means to get the best APR available you should apply with excellent credit. If you’re looking for a cashback rewards card that offers similar advantages to average spenders with average credit, this card is not the one for you.

Since the Wells Fargo Cash Wise Visa card tends to offer the same rewards across all spending categories, it’s recommended for shoppers whose spending profile touches on a wide variety of retailers. This card rewards you for shopping online with a qualifying digital wallets, too! The bottom line is if you’re going to make the most of this card, you need to shop ‘til you drop. And do it responsibly.

Wells Fargo offers a number of standard perks that come with this card. These include robust security features like 24/7 fraud monitoring, zero liability protection on purchases and rapid push alerts that keep you on top of any red flags on your account.

There are some additional features that shoppers will receive when they signup for the Cash Wise card, these include:

These benefits make one thing clear, when you are a Cash Wise user, Wells Fargo has your back. But the selling point of this card is an offer of cold, hard cash. As a cashback card, the Cash Wise credit card offers cash on all purchases without rotating categories, and incentives when you shop online with your digital wallet. That's great news for shoppers who use Apple Pay, Google Pay, Samsung Pay or Wells Fargo Wallet.

Like most cards by Wells Fargo, it also offers introductory perks and bonuses that can make it an even more lucrative card for the right type of spender.

Because of the benefits a Wells Fargo credit card has to offer, you may be biting at the bit for the Cash Wise Visa. But proceed with caution to determine if this is the right card for you.

It’s not that this isn’t a good card; we believe it is. But it isn’t geared toward the average consumer. The person who will get the most rewards from this card is an elite breed of high spender with above average credit.

If that doesn’t sound like you, there are a number of other cashback cards reviewed on this site like the Capital One Quicksilver Cash Rewards, Citi Double Cash card, The Chase Freedom Unlimited and Discover it Cashback Card. Any single one of these might be a better fit for moderate spenders looking to reap no frills, flexible cashback rewards.

Reviews of the Cash Wise card seem to be split down the middle. Most negative reviews come from people seeking cashback relief from this card after a one-time large purchase. That’s not what this card is designed for. There are other cards better suited for those seeking to make a large purchase and recoup some of their money back in the form of lucrative bonuses delivered in a timely, easily redeemable way.

Considering the advantages of the Cash Wise card, it’s a good deal for people who spend a lot on credit anyway, pay off their balance each month and have a credit score in the range of good to excellent. If this sounds like you, it’s especially rewarding if you use it to pay your cell phone bill because it can help you in a jam, should your device get stolen or broken. It also rewards people who use digital services like Apple Pay on their smartphone with additional cashback incentives.

For the executive on-the-go who has plenty of disposable income and spends a lot of time tapping away on a smartphone and shopping online, this card offers a lot. Wells Fargo keeps busy customers safe by offering security and protection that helps consumers who don’t have time to check-in often. That’s in addition to cashback rewards on purchases. Who wouldn’t want to get in on that?

But if you are an average consumer, looking to make a one-time, large purchase on credit and need flexible cashback rewards and bonuses to offer financial relief, there are certainly better cards. And if you are a traveler, you might get more out of Wells Fargo Propel American Express, or another card that rewards your wanderlust.

Chase Freedom Unlimited

Chase Freedom Unlimited card art
Recommended Credit:
690
850
Excellent and Good Credit

Everyday Rewards

1.5%

Annual Fee

$0

Why We Like It:

"1.5% cashback & no annual fee"

This is my #1 pick in the flat rate cash back category. This card offers 1.5% cash back on all purchases with no limits and no need to worry about rotating categories. The redemption options are great too. You can redeem your rewards for cash, gift cards, statement credits, merchandise or book travel through the Chase Ultimate Rewards® portal.

As an added bonus for loyal Chase cardholders, this card pairs nicely with some of their other flagship cards. If you already have the Chase Sapphire Preferred or Chase Ink Business Preferred, you can transfer the points you earn with this card to those cards and maximize your rewards value.

Key features:

Welcome Bonus: 3% cash back on every purchase made in year 1, up to $20,000 spent. After, earn unlimited 1.5% cash back on all purchases
Cash Back Rate: 1.5% cash back on all purchases
No Rush Or Worry: Cash back rewards won’t expire as long as the account is open and there is no minimum when redeeming cash back
Introductory APR: 0% intro APR on all purchases for 15 months - 0% intro APR on balance transfers for 15 months (3% fee on amounts transferred)
Fees: There is no annual fee. Foreign transfer fee is 3%
Extra Perks: Free credit score updated weekly with Credit Journey℠. Additional features include purchase and price protection. Helping to protect your belongings as well as protect you from overpaying.

CITI Double Cash Card

Citi Double Cash Card card art
Recommended Credit:
690
850
Excellent and Good Credit
Why We Like It:

"2% cash back always"

If cash is king, the Citi Double Cash Card is your ticket to royalty. This cash back card, which boasts no annual fee, is touted as the hassle-free, versatile rewards credit card you've been searching for to use on all your everyday purchases.

Answer the questions below to find out:

If you've answered yes to a few or more of the questions above, the Citi Double Cash Card—which offers the top cash back rewards rate among its competitors—may be worth looking into further.

With some of the best cash back rewards available, signing up for the Citi Double Cash Card is a no-brainer—assuming you have good credit. If you're looking to transfer a credit card balance and take advantage of the generous balance transfer rate, this card is a good bet.

For those consumers whose purchases fall into a broad range of categories and who are not diligent about opting into and keeping track of bonus rewards categories each quarter, the Citi Double Cash Card is a good everyday, primary credit card for all of your purchases. With this card, you can let go of the mental calculus of figuring out which is the best rewards credit card to use based on your purchase categories.

Wells Fargo Propel American Express

Wells Fargo Propel American Express card art
Recommended Credit:
690
850
Excellent and Good Credit

Travel

Annual Fee

$0

Why We Like It:

"Travel points & no annual fee"

As a culture, we're always so obsessed with getting the latest and greatest when it comes to new phones, cars, clothes and so on, but we don’t tend to look at our credit cards and other financial services in the same way. That could be because banking and finance doesn't have the same exciting feel to it. Still, I think we can all agree that saving money sure feels great!

Why shouldn't we be constantly looking for new banking products that save us money and give us better rewards? If you've relied on the same credit card for years now, I think it's worth your time to see what some other cards have to offer—and the Wells Fargo Propel card is a good place to start.

There are lots of ways to earn plenty of points with this card and if you’re someone who eats out at restaurants or orders takeout a lot, or someone who travels often or uses public transit, this card will be great for you.

Chase Slate

Chase Slate card art
Recommended Credit:
690
850
Excellent and Good Credit

Intro Period Months

15

Balance Transfer Fee

0%

Why We Like It:

"Consolidate your credit card debt"

The Chase Slate Card is one of many credit cards offered by the Chase family of products. It offers numerous benefits to users who are interested in transferring balances over from high-interest rate credit cards, as well as first-time cardholders who are looking for a good deal and you can start forming the foundations for good credit and financial health habits. While other credit cards specialize in things like airline miles or rewards points, the Chase Slate is the ideal credit card for balance transfers.

People who own the Chase Slate card say that the application process is smooth and even with a fair credit rating you may still get approved, however, the amount you're allowed to transfer over may be less. Those with good credit who are looking to pay down a small balance find that Chase Slate works precisely as advertised.

In order to use this card to its fullest and take advantage of all of its benefits, it's worth having the foundations of good financial health to begin with. If you're looking for a reliable card and don't carry much (if any) credit card debt on you, the Chase Slate is one you'll want to have on hand. Plus, adding to this the fact that you can get your FICO score free each month as well as being enrolled in the Blueprint program make the Chase Slate card one of our top picks to help you pay down your debt quickly and effectively.

Citi Simplicity Card

Citi Simplicity Card card art
Recommended Credit:
690
850
Excellent and Good Credit
Why We Like It:

"Low interest no late/annual fee"

You're the perfect customer for Citi Simplicity if you want a no-fee credit card with a long 0% interest rate.

Wondering whether the Citi Simplicity is a better bet for you? Answer the questions below to find out:

If you answered yes, then Citi Simplicity is a good credit card to consider. If you're working to pay off credit card debt, the Citi Simplicity is a good bet. The Citi Simplicity's strength lies in its promotional period, which is among the longest and most generous industry-wide. If you are giving it everything you've got to pay down credit card debt, you'll find that you can save more money with the Citi Simplicity.

Bank of America Travel Rewards Credit Card Review

Bank of America® Travel Rewards card art
Recommended Credit:
690
850
Excellent and Good Credit

Do you hate being tied to a particular travel brand when trying to redeem points? This rewards program gives you the freedom to travel with whichever company you like. New Travel Rewards cardholders will benefit from intro offers and a nice signup bonus which could lead to hundreds of dollars in travel credit.

While most credit card companies do mile programs in which X number of miles collected represents X number of miles you can travel, the Bank of America Travel Rewards card does things a little differently. Rather than deal with accrued miles, the credit card issuer uses points that can be exchanged for credits to offset travel expenses.

At the same time, the post-introductory interest rate will likely inspire cardholders to keep a low balance — meaning it could take much longer to accrue a substantial amount of points. In large part because of this, consumers and experts generally agree it's not the most generous rewards program available on the market.

As mentioned above, there are a few notable benefits to owning the Bank of America Travel Rewards card. Chief among them are sign-up bonuses and intro offers. After that, all cardholders enjoy:

You can then log in to the points-redemption dashboard to check off the expenses you want to use your points toward. If your travel expenses totaled $1,000 and you've got $1,000 worth of points, you just went on a free vacation. However, realistically, it will take a long time to accrue that many points, given how the program is designed.

Alternatively, points can be redeemed for gift cards and cash if you're not planning any travel. They can even be used to make a payment on a mortgage loan or contribute to an education-savings account — as long as they're either Bank of America or Merrill Lynch accounts.

The spend-to-points ratio for the BankAmericard Travel credit card is diluted. For non-Bank of America banking clients, accruing points will definitely be a slow-moving process. The card also doesn't provide trip-cancellation insurance, rental-car insurance, airport lounge access or any of the other common perks associated with travel-rewards cards. All told, after the sign-up bonus, the long-term benefits of the Travel Rewards card may appear weak compared to other rewards credit cards.

The Bank of America Travel credit card is the travel card for people who aren’t entirely sold on traveling. Here’s what I mean, let’s say you have a lot of points. You can redeem those on costs associated with a vacation, or use them for something more practical.

Most travel rewards cards come with extra perks, but in order to make the high card fees worthwhile, you have to use all of the travel perks. The Bank of America Travel credit card is more flexible. If you don’t make it to vacation this year, your points won’t be wasted and you can still apply the value.

However, accruing enough points to reap vacation level rewards without carrying a balance that comes with significant interest and fees is a challenge most people aren’t likely to crack. If you aren’t sure what your spending habits are and how you use rewards, this may be a good card to get points that can be used in a variety of ways. That said, it may make more sense to inventory your spending habits and goals before applying for any card to get the most value out of it.

Hilton Honors American Express Review

Hilton Honors American Express Card card art
Recommended Credit:
690
850
Excellent and Good Credit

Travel

Annual Fee

$0

Why We Like It:

"7X Points: Hilton Hotel/Resort"

Whether you're traveling for work or taking a weekend getaway, a travel rewards card can reward you for every dollar you spend. And if you usually choose a Hilton hotel or resort, the Hilton Honors American Express Card can help you rack up points quickly and enjoy a few extra perks during your stay. Of course, the points you earn can only be redeemed within the Hilton brand, which is fairly standard for a hotel-brand credit card. If you almost always stay at a Hilton property, then the Hilton Honors Card will absolutely be beneficial for you.

People who love to stay at Hilton hotels and related brands like Waldorf Astoria, Hampton, and Embassy Suites more than once a year get the maximum benefits out of this card.

Before you decide if the card is right for you, ask yourself:

If you answered yes to one or more of these questions, the Hilton Honors card may be a smart option for you. The more you travel, the more you earn. If you're not sure yet whether a travel rewards card is the best option for you, the Hilton Honors Card is a low-risk way to find out. Terms apply.

Barclaycard Arrival Plus World Elite Mastercard Review

Barclaycard Arrival® Plus World Elite Mastercard® card art
Recommended Credit:
690
850
Excellent and Good Credit

Annual Fee

$89

Why We Like It:

"2X miles every purchase"

The Barclaycard Arrival Plus World Elite MasterCard carries its weight in the travel reward credit card world. That's because it's not branded by one particular airline or hotel chain, leaving you to roam freely throughout the world as you redeem your travel purchase points.

While more experienced travelers—or those looking for good deals on luxury offerings—might be more willing to comb through the fine print of award travel options, you don't have to with this card. All you have to do is remember to use it when you make a purchase and watch those miles pile up.

That's right, there are no restrictive categories to keep track of. You can use your miles to pay off travel purchase charges including travel agencies and websites, airlines, hotels, car rentals and ground transportation, trains, cruises and ferries, timeshares, and campgrounds. So whether you are looking for a budget weekend getaway or a longer, luxurious stay, this card will come in handy.

Capital One VentureOne Rewards

Capital One VentureOne Rewards card art
Recommended Credit:
690
850
Excellent and Good Credit

Annual Fee

$0

Why We Like It:

"For frugal, occasional travelers"

If you travel frequently and like to whip out plastic for everyday purchases, the Capital One VentureOne credit card is a flexible travel card that offers you freedom. The card's basic rewards structure offers flat rate points on all purchases, and they are easily redeemable points, to boot.

The biggest bonus to owning a VentureOne card is it’s easy-going earning potential. It allows you to earn slightly higher than average points on all purchases. Unlike it’s cousin card, the Venture Rewards card, the VentureOne card has no annual fee at the time of writing this. For the shopper who is also a mover and a shaker, the Capital One VentureOne card offers a host of perks that see no end to your wanderlust.

HSBC Gold MasterCard

HSBC Gold MasterCard card art
Recommended Credit:
690
850
Excellent and Good Credit

Intro Period Months

15

Balance Transfer Fee

4%

Why We Like It:

"0% APR for 18mo on transfers/purchases"

The concept behind the HSBC Gold Mastercard is simple: Give consumers a fantastic, low-interest card, great for one-time purchases and balance transfers, and they will carry a balance from month to month. It’s designed to be a low APR card for those who need to charge a bigger balance, and that’s exactly what it allows consumers to do. What you give up in additional perks, you make up with a low maintenance, hassle-free card.

For most of the cards we review, we recommend not carrying a balance. That’s because interest can get expensive on a more typical card and you’ll often see us recommend that people build good credit habits by spending only what they can afford and paying their balance in full each month. You may be surprised to see that for this card we recommend the opposite. In a perfect world, you’ll never need an advance on a large sum of money, but we all know sometimes you need money you just don’t have—and that’s where the HSBC Gold Mastercard shines.

Whether transferring a balance or making a large purchase, the intro APR offer and below average residual APR on this card makes it a good choice for those who know they will need to carry a balance from month to month. Use it to finance new bedroom furniture or pay down an existing credit balance. When paid on time, you’ll see the amount owed get smaller and smaller, making this a great card for getting out of debt.

Barclaycard Ring Mastercard Review

Barclaycard Ring Mastercard card art
Recommended Credit:
690
850
Excellent and Good Credit

Intro Period Months

15

Balance Transfer Fee

2%

Why We Like It:

"Low APR & No Annual Fee"

The Barclaycard Ring Mastercard was designed by Barclays to give customers a say in how their credit card works. Cardholders become part of an online community and can participate in discussions. Using the “Influence” section of the site, cardmembers have the opportunity to submit and vote on ideas. There is also a blog providing financial tips.

Members of the community can track the overall financial performance of the Barclaycard Ring Mastercard and Barclays shows the card’s estimated monthly profits and losses. In addition to transparency, through the Giveback program, Barclaycard Ring Mastercard holders can receive a share of the card’s profits.

This innovative product and process makes the Barclaycard Ring the first "crowdsourced" credit card. If you have excellent credit, the Barclaycard Ring Mastercard is worth your serious consideration.

Chase Freedom

Chase Freedom card art
Recommended Credit:
690
850
Excellent and Good Credit

Everyday Rewards

1%

Annual Fee

$0

Why We Like It:

"5% cashback per quarter ($1,500)"

Cardholders earn 5% cash back in rotating quarterly categories, up to $1,500 in spending per quarter. All other purchases earn a flat 1% cash back. To get the 5% rewards, members must opt in to the bonus categories each quarter. Forgetful? Not to worry, they allow you to opt in as late as the 14th day of the third month of the quarter. You also have access to Chase’s Ultimate Rewards site which allows you to get even more back when you redeem.

Everyone loves bonuses and the Chase Freedom® has a great sign up bonus. Earn $150 after spending $500 on purchases in your first 3 months after opening your account. The card also has an intro APR of 0% on purchases and balance transfers for 15 months and offers a $0 annual fee.

Key features:

Welcome Bonus: Get a one-time $150 cash bonus after you spend $500 in qualifying purchases within 3 months of opening your account
Cash Back Rate: 5% cash back on quarterly rotating categories (up to $1,500 per quarter). Unlimited 1% on everything else, include any rotating category spending above $1,500
No Rush Or Worry: Cash back rewards won’t expire as long as the account is open and there is no minimum when redeeming cash back
Introductory APR: 0% intro APR on all purchases for 15 months — 0% intro APR on balance transfers for 15 months (3% fee on amounts transferred)
Fees: There is no annual fee. Foreign transaction fee is 3%
Extra Perks: Free credit score updated weekly with Credit Journey℠. Purchase Protection that covers all purchases made with your Chase Freedom card against theft, damage, and loss for 120 days (up to $500 per claim and $50,000 per account)

Chase Ink Business Cash

Chase Ink Business Cash card art
Recommended Credit:
690
850
Excellent and Good Credit

APR

21.49%

Why We Like It:

"Big cashback for business"

There are clear benefits to using the Chase Ink Business Cash credit card. It’s the cash back card many business owners have been dreaming of, with offers of higher than average cash back rewards in easily spendable categories. It also has the potential for bonuses and intro offers that make it good for one-time capital expenditures or balance transfers in year one.

So what’s the catch? Well, there are some potential drawbacks. The Chase Ink Business Cash may be less useful for businesses that don’t prioritize telecom utilities as a credit expenditure or don’t shop for office supplies with any frequency. It also has a cap on bonus cash back. That means once the spending threshold is met, rewards diminish greatly in value.

For these reasons, some business owners with excellent credit may be enticed by more rewarding credit card offers. However, Chase Ink Business Cash is a well-rounded business credit card for making large purchases, transferring balances or just for everyday spending. If you’re a business owner looking for a credit card that meets your basic needs and offers some rewards, the Ink Business Cash card by Chase is a solid option.

Chase Sapphire Preferred Card Review

Chase Sapphire Preferred card art
Recommended Credit:
690
850
Excellent and Good Credit

Travel

Annual Fee

$95

Why We Like It:

"Double points on travel and dining"

Cross-checking travel rewards cards so you can afford to crisscross the globe? Traveling is an expensive, yet incredibly rewarding experience. But if the wanderlust is strong in you, the Chase Sapphire Preferred card might be the credit card of your dreams. With rewards points earned on travel and dining purchases and a multitude of other rewards, the Chase Sapphire Preferred card earns high marks with frequent travelers.

We outlined all the benefits of having one of these credit cards in your lineup, but let's talk about the reasons cardholders love the Chase Sapphire Preferred card the most:

1. You Get More Points for Your Buck


2. Amazing 24/7 Customer Service and Support


3. You Can Use the Chase Sapphire Preferred Card Pretty Much Everywhere


4. The Chase Sapphire Preferred Card is Legit Metal — Not a Flimsy Piece of Plastic — So It's Actually Cool


5. Points Earned are Good Towards Travel without Any Limitations


6. Team Up with the Chase Freedom Card to Maximize Your Points Earning Potential

Frequent travelers and those who dine out often will earn reward points the fastest with the Chase Sapphire Preferred card. Yet both new credit cardholders and seasoned vets will appreciate the points on travel and dining at restaurants (as well as points on other purchases). Taking advantage of the signup bonus and adding an authorized user to your account could net you even more points. So if you spend a lot on Uber rides, take out, flying or staying with one of Chase's Ultimate Rewards travel partners, this card will reward you for the activities you're already doing.

Discover it Balance Transfer

Discover It Balance Transfer card art
Recommended Credit:
690
850
Excellent and Good Credit

Intro Period Months

18

Balance Transfer Fee

3%

Why We Like It:

"Great for those in debt"

If you’re like many Americans, you could be in over your head when it comes to credit card debt. Sound like you? If so, you may benefit from a card that helps you pay off debt more quickly. Such a credit card is known as a balance transfer card. That’s because these cards make it easy for you to transfer debt and offer incentives, usually in the form of introductory APR periods, that help you snuff out debt for good. One strong choice for balance transfers is Discover It Balance Transfer. If you have Excellent and Good Credit, but have accumulated a lot of debt getting there, this card may be a solution for you.

Let’s look at the nuts and bolts of this Discover it card. First, it comes with a stellar APR offer on balance transfers: 0% for the first 18 months. It’s not as great a card for first time purchases. It still offers an intro period, but it’s much shorter at 0% for the first 6 months. That’s okay, this card is a solid choice for doing what it’s intended to do, helping you crush your debt. By offering an extended APR intro period on balance transfers, you’ll have a good chance of paying off your debt if you play your cards right!

No annual fee also makes this card special. Well, special when compared to some other cards in the same vein that do have annual fees, but not special when comparable to other Discover cards. This is a selling point for Discover’s suite of credit cards, and you may remember them saying it if you’ve ever watched a Discover commercial. All things considered, the Discover It Balance Transfer is a great card for anyone looking to erase their debt. Just remember, paying down credit debt is a marathon not a sprint, in most cases, but with this card, it’s easier than ever!

Discover it Cash Back Rewards Card

Discover it Cash Back card art
Recommended Credit:
690
850
Excellent and Good Credit

Everyday Rewards

1%

Annual Fee

$0

Why We Like It:

"5% cashback rotating categories"

The Discover it Cash Back card is a solid card for people who want to maximize cash rewards and don't mind if their purchases only fit certain categories. Considering that Discover matches all the cash back you've earned at the end of the first year, there's a lot to like about getting that on top of bonus cashback incentives in the rotating categories. If you want a great, all-purpose cashback card on both purchases and balance transfers, it's hard to beat the Discover it Cash Back. Provided you can fit your spending within specific categories, this is definitely a card you'll want to have on hand for shopping!

One of the points to keep in mind with the Discover it Cash Back card, is you'll need to activate your bonus categories at the start of every quarter. Fortunately, you can activate the bonus categories through the Discover it card account center online or by phone. Categories change every year, but generally tend to follow a broad spending category. These categories include: Amazon and wholesale clubs, grocery stores, transportation gas stations, Uber and Lyft and restaurants.

Another notable feature is {aprs.purchaseIntro.displayText} For this reason, it makes a great card for a balance transfer or one time purchase. As for balance transfers, there is a fee: {fees.balanceTransfer.displayText}. That said, Discover cards are accepted at 97% of stores in the U.S. The variable APR range of {aprs.purchase.minimum}% to {aprs.purchase.maximum}% isn't too bad either. On the high end, it's above average, but that range is inline with other cards of this caliber. Ultimately, choosing the right card means taking a closer look at your lifestyle, your goals and which features are the most important for your needs. If the Discover it Cash Back card fits your needs, we would highly recommend putting it first in line.

Milestone Gold MasterCard

Milestone Gold MasterCard card art
Recommended Credit:
630
719
Good and Fair Credit

APR

24.9%

Why We Like It:

"Build credit free custom design"

When it comes to Milestone Gold Mastercard, this card is designed for those seeking to build their credit. It’s a straightforward, what-you-see-is-what-you-get type of card. Users like the ability to raise your credit score, but don’t always appreciate the high fee. Here’s the whole scoop on Milestone Gold Mastercard:

For people with “Poor” credit who are interested in raising their score, the appeal about this card is clear. You can apply without hurting your credit score and it might give you access to credit. Due to Milestone implementing a “soft pull” process, an application for this card never negatively impacts your score. That could be important for people who are trying to build their credit rather than damage it trying to find the right credit card.

Because this is a card designed for people with less than stellar credit, those approved will find that it comes with hefty fees that actually range based on your creditworthiness and the downside there is that you don’t necessarily know what kind of fee you're going to be offered going into the application. The unclear terms and conditions confuse some users. Still, others report raising their credit using this card. At the end of the day, if your options are limited, this basic credit card could be just what you need to open the door to more credit opportunities.

Amex Platinum Card Review

Platinum Card from American Express card art
Recommended Credit:
690
850
Excellent and Good Credit

Travel

Annual Fee

$550

Why We Like It:

"Huge benefits for big spenders"

The Platinum Card from American Express makes the ideal travel companion. It undoubtedly proves that not all travel credit cards are created equal. The Amex Platinum is simply in a class of its own, and it's poised to expand your world even more as you travel, thanks to the bountiful opportunities for luxury upgrades and travel bonuses it provides. You'll be able to travel more frequently and more conveniently, courtesy of easy reward-redemption options through Amex's Membership Rewards program.

This card opens doors — literally. Whether it's the door to your Uber ride or the door to that amazing airport lounge on the other side of the world, the Platinum Card by Amex lets you in. You don't know travel until you travel with the Amex Platinum. There's a reason Amex didn't name this card Silver or even Gold. It's Platinum, and boy, does it deserve it!

Although Amex has long retired two of its famous taglines: "Membership has its privileges," and "Don't leave home without it," their underlying sentiments still ring true for their card today.

If travel is an important element of your life, and you have a credit score that lands in the "Good" to "Excellent" range, then you should probably apply for this card.

If you want a travel card that works and plays as hard as you do, then you've found it. Using up the airline and Uber credits, plus a handful of airport lounge visits sprinkled in, means you've easily scored back the entire cost of your annual fee. And that's not even touching all the thousands—yes, thousands!—of points you'll get with promotions and deals through the Membership Rewards program. So if you're gearing up for lots of travel in 2019, the Amex Platinum card would definitely be a travel companion worthy of a space in your wallet. Terms apply.

Blue Cash Preferred Card from American Express

American Express Blue Cash Preferred card art
Recommended Credit:
690
850
Excellent and Good Credit

Everyday Rewards

1%

Annual Fee

$95

Why We Like It:

"6% cashback on U.S. groceries"

If you want a credit card with a low cash back threshold, plus cash back on everyday purchases like groceries or gas, the American Express Blue Cash Preferred card may be a good choice. Not only do you get cash back for buying everyday items with your card, you could also qualify for some introductory perks.

Even after any intro period incentives are over, the variable interest rate range is very competitive. It offers one of the lowest interest rates for those with excellent credit. But interest rates can change, so it’s important to understand other places where this card can offer value.

With 6% cash back rewards at local supermarkets, it’s a great incentive for families that cook and eat at home often. You can also get cash back at gas stations and even department stores. Just make sure you’re using your cash back bonuses. If you plan to, the Blue Cash Preferred by American Express is a great choice!

HSBC Cash Rewards Mastercard

HSBC Cash Rewards MasterCard Credit Card card art
Recommended Credit:
690
850
Excellent and Good Credit

Everyday Rewards

1.5%

Annual Fee

$0

Why We Like It:

"1.5% cashback on everything"

The HSBC Cash Rewards Mastercard is largely regarded as one of the better options on the market for those seeking to get cash back from their purchases. That’s because it offers above average cashback rewards on all purchases and a substantial anniversary bonus. It’s also widely accepted, anywhere you can use a Mastercard. Here are the details about the HSBC Cash Rewards card:

The Cash Rewards is a well-rounded card with straightforward benefits. It offers a slew of shopping perks like an extended warranty on eligible purchases and shopping assurance to cover items from damage or theft. However, it also appeals to travelers with its lack of foreign transaction fee, MasterAssist pre-trip planning and roadside assistance. These are a few benefits of partnering with Mastercard, in addition to its wide acceptance.

With the HSBC Cash Rewards Mastercard, what you see is what you get. That’s certainly true for it’s above average rewards, bonuses and exciting intro offers. All of the above, make this card a great one for anyone who enjoys the finer things in life like travel and shopping. However, if you want to be eligible for this card, you’ve got to have a credit score that matches its high rewards, that means you need to have a good to excellent FICO score to get approved.

Indigo Platinum Mastercard Review

Indigo Platinum Mastercard card art
Recommended Credit:
630
719
Good and Fair Credit

APR

24.9%

Why We Like It:

"Credit builder no deposit"

The Indigo Platinum Mastercard is for people with a credit score that leaves something to be desired. It isn’t your average, everyday card for the basic consumer, but instead, a card geared toward people who have made some credit mistakes and need to re-establish creditworthiness.

It reports to all three credit bureaus, which makes it a good choice for increasing your credit score. Beyond that, it has few perks. Each will be considered here as we examine the Indigo Platinum card for building credit and establishing good credit card shopping habits.

The Indigo Platinum Mastercard is issued by Celtic Bank, which promotes its mission to approach financial challenges “with a creative and problem-solving mindset.” With that in mind, this card is best for people who need to get their credit score to match their financial goals. Why is it, then, that most review sites only give it a two-and-a-half out of five stars?

Well, if you think of a five star card as the gold standard, one that springs to mind is the Chase Sapphire Reserve, which has competitive APR offers as well as rewards geared toward people with "Excellent" credit. Access to five star cards like that one could be among the reasons you are trying to build your credit to begin with.

However, if you have a "Fair" or "Poor" credit score, or have yet to establish credit, you can run into a slew of problems. For instance, you might have trouble getting qualified for a loan you need to buy a house or a car, or pay bills. You might lose job opportunities that require a credit check. Getting your house in order when it comes to credit is essential to your personal life and the well-being of your family.

That’s where the Indigo Platinum shines, almost literally, if you take into account the card issuer offers six colorful designs to choose from. Its higher than average APR, annual fee and low credit limit contribute to its negative reviews. That said, for someone who doesn’t have a lot of options, this could be the right card to square up your credit once and for all, if used properly.

In addition to reporting to three credit bureaus, which ensures your timely payments help to increase your score, this card has a few other important perks:

Consumer complaints usually stem from the above average APR, and the annual fee eating into an already small credit limit of just a few hundred dollars. Some customers believed their spending habits and payment history entitled them to credit line increases that they hadn’t received at the time of reviewing. The nature of these complaints is no different than most cards geared at people with bad credit.

Unfortunately, your credit history does follow you around, and a few mistakes in your portfolio can limit your options when it comes to credit building initiatives. Sometimes a credit card like the Indigo Platinum Mastercard is the only way to re-establish your worth in the eyes of creditors and gain access to more benefits and rewards. Other times, to expedite the process of regaining creditworthiness, people can use a credit card in conjunction with other credit-building techniques, including:

If you have "Fair" to "Poor" credit or no established credit history, the Indigo Platinum could be the right card for you. It’s an accessible, no-frills card with a low limit, intended to help consumers start the long journey to better credit. In order for that to work, however, it has to be used responsibly.

Accordingly, consumers should set limits on how they use the card, keeping their utilization at less than 30% of the credit limit. People who use this card should also plan to pay their balance in full each month. These are commitments to consider if you’re thinking about the Indigo Mastercard.

For average consumers with at least "Good" credit and a solid credit history, there are more rewarding cards out there. Also, for people who are looking to make a one-time large purchase, this is not likely the card for you, regardless of where your credit score stands. Most people who apply for this card only have access to a few hundred dollars initially.

Ultimately, the Indigo Mastercard by Celtic Bank could be a good choice for building credit, especially if you don’t want to put down a deposit to get access to revolving credit. With the right expectations and attitude about spending, there’s little in the way of improving your overall credit health with this card.

Capital One Platinum

Capital One Platinum Credit Card card art
Recommended Credit:
300
719
Good, Fair, and Bad Credit

APR

26.99%

Why We Like It:

"Credit builder no annual fee"

The Capital One Platinum card is a pretty vanilla card. It’s certainly not the worst card you could have in your wallet if you have a less than stellar credit score. For people with a “Fair” score, who don’t have a lot of high reward options, the Capital One Platinum card offers a stepping stone to better credit and a higher credit limit through the “Credit Steps” program. This program allows people with below-average credit to increase their limit by making timely payments.

There’s no balance transfer fee at the time of writing this. However, this is not a balance transfer card. The high APR will make transferring any large balance counterproductive. Instead, people with “Fair” credit should use this card to propel their credit score into the “Good” or “Excellent” territories.

To make the best use of this fundamental card, only charge what you can afford to pay each month. Once the bill comes around, pay it in full prior to your payment due date. In doing so, you will build your credit in a positive light and gain access to a higher spending limit with Capital One “Credit Steps” program.