Credit Cards with the Best Rewards for People with Good Credit

Credit Cards with the Best Rewards for People with Good Credit

If your credit score is in the good range (typically 670–739), you qualify for a wide variety of excellent rewards cards. Whether you’re into cashback simplicity or travel perks, here’s a curated list of the best options:

1. Chase Sapphire Preferred Card Best for Bonus Travel Rewards

• Why it’s great: Earn up to 5× points on travel (via Chase Travel), 3× on dining, streaming, and online groceries, plus 2× on other travel and 1× everywhere else. Flexible points transfer and 25% more value when redeemed through Chase Travel.

• Annual fee: $95

• Ideal for: Travelers seeking versatility and value without a hefty fee.
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2. Wells Fargo Active Cash Card Best for Flat-Rate Cash Back

• Why it’s great: Earn a competitive 2% cash back on all purchases, with no annual fee and straightforward value.

• Ideal for: Everyday spending simplicity.

3. Blue Cash Preferred Card from American Express Best for Family or Household Spending

• Why it’s great: Up to 6% cash back on groceries and other key categories, with an amplified welcome offer in the first year ($0 intro fee, then $95).

• Ideal for: Families or households with significant everyday spending.
  

4. Capital One Savor Cash Rewards Credit Card Best for Dining and Home Life

• Why it’s great: Excellent cash back (1%–8%) on dining, groceries, and entertainment.

• Ideal for: Foodies and entertainers who want categories tailored to their lifestyle.
  

5. Discover it® Cash Back Best for Rotating Bonus Categories

• Why it’s great: 5% cash back in rotating categories, plus unlimited 1% on purchases. First-year cashback is matched by Discover automatically.

• Annual fee: $0

• Ideal for: Strategic spenders who can track rotating categories.
  

6. Capital One Venture Rewards Credit Card Best for Simple Travel Rewards

• Why it’s great: Earn 2×–5× miles on all spending, with a large welcome bonus and flexible redemption options.

• Ideal for: Travelers who want simplicity and versatility.
  

7. Wells Fargo Autograph Card Best No-Fee Travel Rewards

• Why it’s great: 1×–3× points across travel categories, no annual fee, and travel-style perks.

• Ideal for: Budget-conscious travelers.
  

Bonus Picks for Premium Travel Rewards

Even if they require excellent credit, these premium cards offer extraordinary value if you travel frequently:

• Chase Sapphire Reserve®: High-end perks like Priority Pass lounge access, $300 in travel credits, and robust travel protections but comes with a $550 annual fee.
  

• American Express Platinum: Offers luxury travel benefits hotel credits, airport lounge access, concierge perks but requires excellent credit and justifies a high fee with premium perks.
  

Strategy Tips from a Super-User

Credit expert Dave Grossman, who holds around 45 cards (though uses about 12), offers strategic advice:

“Start with just two to four strategically selected cards… prioritize flexible point transfers and high category bonuses (e.g., 4% back on groceries with Amex Gold).”
“Pay your balances in full monthly… avoid canceling older cards to maintain a healthy utilization ratio.”

At-a-Glance Comparison

Final Thoughts

With good credit, you’re in a great spot to earn real value from credit card rewards without high barriers to entry. Choose cards that match how and where you spend. The right mix can maximize everyday returns and amplify travel experiences. Think about pairing one everyday spender and one travel card to cover all your bases.