1.Wells Fargo Active Cash® Card
Wells Fargo
- 2%Cash back on all purchases
Earn a $200 cash rewards bonus when you spend $500 in purchases in the first 3 months.
Earn unlimited 2% cash back on all purchases.
18.49%-28.49% Variable APR
The Wells Fargo Active Cash® Card stands out as the top choice because it offers a straightforward rewards structure with unlimited 2% cash back on all purchases, making it ideal for those who prefer simplicity without the hassle of tracking categories.
Pros:
- No annual fee
- Unlimited 2% cash back on all purchases
Cons:
- 3% foreign transaction fee
- Limited bonus categories
2.Blue Cash Preferred® Card from American Express
American Express
- 6%Cash back at U.S. supermarkets on up to $6,000 per year
- 6%Cash back on select U.S. streaming subscriptions
- 3%Cash back at U.S. gas stations
- 3%Cash back on transit
- 1%Cash back on other purchases
Earn a $250 statement credit after spending $3,000 in eligible purchases within the first 6 months.
Earn 6% cash back at U.S. supermarkets on up to $6K per year in purchases, then 1%.
19.49%-28.49% Variable APR
What sets the Blue Cash Preferred® Card apart is its exceptional cash back rates on everyday essentials like groceries and streaming services, making it a fantastic option for families and individuals who spend significantly in these categories.
Pros:
- High cash back on groceries and streaming
- Introductory annual fee waived
Cons:
- Annual fee after the first year
- High spending requirement for bonus
3.American Express® Platinum Card
American Express
- 5%Points on flights and prepaid hotels
- 1%Points on other purchases
Earn up to 175,000 Membership Rewards® points after spending $8,000 on purchases in the first 6 months.
Earn 5x points on flights and prepaid hotels.
19.49%-28.49% Variable APR
The American Express® Platinum Card is the best option for frequent travelers who can leverage its extensive benefits, including access to luxury airport lounges and significant travel credits, making it a premium choice for those who travel often.
Pros:
- Extensive travel benefits
- High welcome bonus
Cons:
- High annual fee
- Requires excellent credit
4.U.S. Bank Shield™ Visa® Card
U.S. Bank
- 4%Cash back on prepaid travel bookings
- $20Annual statement credit after 11 consecutive months of purchases
N/A
Earn 4% cash back on prepaid travel booked in the U.S. Bank Travel Center.
0%-27.99% Variable APR
The standout feature here is the U.S. Bank Shield™ Visa® Card's focus on travel rewards, offering a generous 4% cash back on prepaid travel bookings, making it an excellent choice for those who frequently travel and want to maximize their rewards.
Pros:
- No annual fee
- High cash back on travel bookings
Cons:
- Limited to specific travel bookings
- No welcome bonus
- 5%Points on Chase Travel bookings
- 3%Points on dining and select streaming services
- 2%Points on other travel purchases
Earn 75,000 bonus points after spending $5,000 on purchases in the first 3 months.
Earn 5x points on Chase Travel℠ bookings.
19.24%-27.49% Variable APR
This card shines for its exceptional travel rewards structure, allowing cardholders to earn 5x points on travel booked through Chase, making it a top choice for those who frequently travel and want to maximize their rewards.
Pros:
- Strong travel rewards
- Flexible point transfers
Cons:
- Annual fee
- Requires good credit
Final Words
As you consider the best credit cards for your good credit this February, remember that the right card can enhance your financial flexibility and rewards. Take time to compare the options available, focusing on fees, rewards, and benefits to make an informed decision that aligns with your spending habits.
Frequently Asked Questions
Earn a $200 cash rewards bonus when you spend $500 in purchases in the first 3 months. This card also offers unlimited 2% cash back on all purchases.
The Blue Cash Preferred® Card from American Express offers a welcome bonus of $250 statement credit after spending $3,000 in eligible purchases within the first 6 months. It also provides 6% cash back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
With the American Express® Platinum Card, you can earn up to 175,000 Membership Rewards® points after spending $8,000 on purchases in the first 6 months. You earn 5x points on flights and prepaid hotels.
Yes, many credit cards cater to individuals with good credit, offering better rewards, lower interest rates, and attractive welcome bonuses. It's important to compare the features of these cards to find the best one for your spending habits.
When selecting a credit card, consider the reward rates, annual fees, welcome bonuses, and any additional benefits like travel insurance or cashback opportunities. It’s also wise to evaluate how the card fits with your spending patterns.
Some credit cards for good credit may have annual fees, while others offer no annual fee options. Always weigh the benefits and rewards against the fee to determine if it’s worth the cost based on your usage.
To improve your chances of approval, maintain a good credit score, pay off debts, and ensure a low credit utilization ratio. Additionally, reviewing your credit report for errors and applying for cards that match your credit profile can help.
