1.American Express Cobalt® Card
American Express
- 5%Cash back on eligible eats and drinks
- 3%Cash back on streaming subscriptions
- 2%Cash back on transit and gas
- 1%Cash back on all other purchases
Earn up to 15,000 Membership Rewards points by earning 1,250 points for each monthly billing period in which you spend $750 on your Card.
Earn 5x points on eligible eats & drinks, 3x on streaming, 2x on transit/gas, and 1x on other purchases.
21.99%
21.99%
The American Express Cobalt® Card stands out as the top choice because of its exceptional earning potential on everyday spending categories like dining and groceries, making it ideal for food lovers and frequent diners.
Pros:
- High rewards on dining and groceries
- Flexible redemption options
Cons:
- Monthly fee can add up
- Requires good credit for approval
2.Neo Financial Mastercard
Neo Financial
- 5%Cash back at partner retailers
- 2%Cash back on groceries and recurring payments
- 1%Cash back on all other purchases
Receive a $25 sign-up bonus upon approval.
Earn an average of 5% cash back at partner retailers and a minimum of 1% on all purchases.
19.99%-29.99%
22.99%-31.99%
What sets the Neo Financial Mastercard apart is its straightforward cash back structure, allowing users to earn significant rewards on everyday purchases without the burden of an annual fee.
Pros:
- No annual fee
- Flexible cash back rewards
Cons:
- Higher interest rates for some users
- Limited partner retailers for maximum cash back
3.Tangerine Money-Back Credit Card
Tangerine
- 2%Cash back on chosen categories
- 0.5%Cash back on all other purchases
Earn 10% cash back on up to $1,000 in everyday purchases within the first 2 months.
Earn 2% cash back on up to three chosen categories and 0.5% on everything else.
20.95%
22.95%
The Tangerine Money-Back Credit Card shines for its customizable cash back categories, allowing cardholders to tailor their rewards to their spending habits, making it a versatile choice for savvy shoppers.
Pros:
- Customizable cash back categories
- No annual fee
Cons:
- Limited to three categories for higher rewards
- Lower cash back on non-category purchases
4.TD Aeroplan Visa Infinite Card
TD Canada Trust
- 1.5%Aeroplan points on gas, groceries, EV charging, and Air Canada purchases
- 1%Aeroplan points on all other purchases
Earn up to 40,000 Aeroplan points in the first year: 10,000 points on first purchase, 15,000 after spending $7,500 in the first 180 days, and 15,000 as an anniversary bonus for spending $12,000 within 12 months.
Earn 1.5 Aeroplan points on gas, groceries, EV charging, and Air Canada purchases, and 1 point on everything else.
21.99%
22.99%
The TD Aeroplan Visa Infinite Card is a premium option for frequent travelers, offering substantial rewards on travel-related spending and valuable perks that enhance the travel experience.
Pros:
- High rewards on travel-related purchases
- Includes travel perks like free checked bags
Cons:
- Annual fee may deter some users
- Requires higher income for approval
Final Words
As you consider the best credit cards for your good credit this February, remember to prioritize rewards, fees, and benefits that align with your spending habits. Take time to compare your options to ensure you make an informed decision that maximizes your financial advantages.
Frequently Asked Questions
Earn up to 15,000 Membership Rewards points by earning 1,250 points for each monthly billing period in which you spend $750 on your Card.
Earn 5x points on eligible eats & drinks, 3x on streaming, 2x on transit/gas, and 1x on other purchases.
Receive a $25 sign-up bonus upon approval.
Earn an average of 5% cash back at partner retailers and a minimum of 1% on all purchases.
Earn 10% cash back on up to $1,000 in everyday purchases within the first 2 months.
Earn 2% cash back on up to three chosen categories and 0.5% on everything else.
Consider your spending habits, the type of rewards you prefer (cashback, points, travel), and any annual fees associated with the card. Additionally, look for welcome bonuses that align with your initial spending capacity.
Yes, many credit cards, particularly entry-level options, have no annual fees, making them a budget-friendly choice. However, premium cards that offer higher rewards may charge annual fees, so weigh the benefits against the costs.
