- 5%Points on travel booked through Chase Travel
- 3%Points on dining, online groceries, streaming, gas, EV charging, and vacation rentals
- 1%Points on all other purchases
Earn 75,000 points after you spend $5,000 in purchases in the first 3 months from account opening.
Earn 5x points on travel booked through Chase Travel, 3x points on dining, online groceries, streaming, gas, EV charging, and vacation rentals.
19.24%-27.49% Variable APR
The Chase Sapphire Preferred Card stands out as the top choice because it offers a robust rewards structure with 5x points on travel and 3x on dining, making it ideal for frequent travelers and diners. Its flexibility in point transfers to travel partners adds significant value, earning it the #1 spot.
Pros:
- High rewards on travel and dining
- Flexible point transfers to travel partners
Cons:
- Annual fee of $95
- High spending requirement for bonus
2.Citi Double Cash® Card
Citi
- 2%Cash back on all purchases
- 1%Cash back when you pay your bill
Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening.
Earn unlimited 2% cash back on all purchases—1% when you buy and an additional 1% as you pay.
18.24%-28.49% Variable APR
What sets the Citi Double Cash Card apart is its straightforward cash back structure, offering 2% on every purchase without the hassle of rotating categories. This simplicity makes it a favorite among those who prefer consistent rewards without annual fees.
Pros:
- Unlimited 2% cash back on all purchases
- No annual fee
Cons:
- No bonus categories
- Requires payment to earn full cash back
3.Wells Fargo Active Cash® Card
Wells Fargo
- 2%Cash rewards on all purchases
The Wells Fargo Active Cash® Card offers a $200 cash rewards bonus after you spend $500 in purchases within the first 3 months of account opening.
Earn unlimited 2% cash rewards on all purchases.
18.49%-28.49% Variable APR
The standout feature here is the Wells Fargo Active Cash Card's unlimited 2% cash back on all purchases, making it a top choice for those who want simplicity and value without an annual fee. Its generous sign-up bonus further enhances its appeal.
Pros:
- Unlimited 2% cash rewards on all purchases
- No annual fee
Cons:
- Limited bonus offer
- Standard APR may be high
4.Chase Freedom Unlimited®
Chase
- 5%Cash back on travel purchased through Chase Travel
- 3%Cash back on dining and drugstores
- 1%Cash back on all other purchases
The Chase Freedom Unlimited sign-up bonus is a $200 cash bonus after you spend $500 on purchases in the first 3 months from account opening.
Earn unlimited 1.5% cash back on all purchases, 3% on dining and drugstores, and 5% on travel purchased through Chase Travel.
18.24%-27.74% Variable APR
This card shines for its versatility, offering a solid cash back rate on everyday purchases while providing enhanced rewards for travel and dining. The lack of an annual fee makes it an attractive option for those looking to maximize their cash back without extra costs.
Pros:
- No annual fee
- High rewards on travel and dining
Cons:
- Lower base cash back rate
- Limited to Chase Travel for top rewards
5.Blue Cash Preferred® Card from American Express
American Express
- 6%Cash back at U.S. Supermarkets
- 6%Cash back on select streaming services
- 3%Cash back on gas
- 1%Cash back on all other purchases
The current public welcome offer for the American Express Blue Cash Preferred® Card is as high as $300 cash back after you spend $3,000 in eligible purchases within the first 6 months of card membership.
Earn 6% cash back at U.S. Supermarkets on up to $6K per year in purchases, 6% on select streaming services, 3% on gas, and 1% on other purchases.
19.49%-28.49% Variable APR
The Blue Cash Preferred Card from American Express is a top cash-back credit card that excels in everyday spending categories, particularly groceries and streaming. Its substantial welcome bonus and high rewards rates make it a compelling choice for families and frequent shoppers.
Pros:
- High cash back on groceries and streaming
- Strong welcome bonus
Cons:
- Annual fee of $95
- Cap on supermarket rewards
Did you know?
Before you apply, look up credit card basics like APR and fees in our Financial Dictionary. Rewards pay off most when your real spending already hits the card's bonus categories.
Final Words
As you evaluate the best credit cards for your good credit this September 2026, remember that choosing the right card can significantly impact your rewards and overall financial health. Take time to compare your options carefully and make informed decisions that align with your spending habits and financial goals.
Frequently Asked Questions
The Chase Sapphire Preferred® Card offers a welcome bonus of Earn 75,000 points after you spend $5,000 in purchases in the first 3 months from account opening.
With the Citi Double Cash® Card, you can earn unlimited 2% cash back on all purchases—1% when you buy and an additional 1% as you pay.
The Wells Fargo Active Cash® Card allows you to earn unlimited 2% cash rewards on all purchases, making it a straightforward option for cash back.
No, the Citi Double Cash® Card has an annual fee of $0, making it an attractive option for those looking to maximize cash back without incurring extra costs.
When selecting a credit card, consider factors such as rewards rates, annual fees, and any welcome bonuses. Look for cards that align with your spending habits to maximize benefits.
To apply for a credit card, you typically need to provide personal information, including your Social Security number, income details, and employment information. Most applications can be completed online for convenience.
Credit cards for good credit usually feature APRs ranging from about 18% to 28%, depending on the card issuer and your creditworthiness. It's important to review the APR to understand the potential interest costs.
Credit cards for good credit often come with perks like cash back, travel rewards, no foreign transaction fees, and insurance benefits. Always check the specific benefits associated with each card to find the best fit for your lifestyle.
