Best Credit Cards For Good Credit Of 2025

The Chase Freedom Flex® serves up a unique set of rewards. It’s rare to find a credit card with rotating categories that also offers a few ongoing bonus categories.

Why We Like It

The Chase Freedom Flex® offers bonus cash back in rotating bonus categories. If you don’t mind interacting with the card each quarter to activate the bonus categories by a specific date, this card is a high earner. As an added bonus, you can even earn above 5% when the quarterly bonus categories overlap with an ongoing bonus category like travel or restaurants.

You can redeem your cash back as a statement credit, direct deposit, gift cards or travel. The Freedom Flex card also offers a 0% intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.99% to 28.49% applies. Balance transfer fee of up to 5% (min. $5) of the amount of each transfer applies. That’s a nice break from interest if you need to pay down debt or cover larger purchases.

What We Don’t Like

The Freedom Flex card has a 3% of each transaction in U.S. dollars foreign transaction fee, so it’s best to only use it within the U.S. And if you forget to activate the bonus categories, you’ll only earn 1% cash back.

Who It’s Best For

The Chase Freedom Flex is best for spenders who are willing to put in a little bit of effort to earn rewards. The card is even more worthwhile for cardholders who also have a premium Chase Ultimate Rewards®-earning card like the Chase Sapphire Preferred® Card so you can combine your points and transfer your rewards to Chase’s travel partners.

The flexibility of Capital One Rewards makes the Capital One VentureOne Rewards Credit Card ideal for anyone who wants a variety of redemption options.

Why We Like It

You can redeem on Capital One Travel, cover past travel purchases or transfer to travel partners—a rare option for a card with no annual fee (rates & fees). The opportunity to earn elevated rewards on hotel and rental car bookings through Capital One could be a boost for the right cardholder.

The VentureOne Rewards card offers a 0% intro APR on purchases and balance transfers for 15 months, 19.24% to 29.24% variable APR after that; 3% balance transfer fee for the first 15 months, 4% at a promotional APR that Capital One may offer you. It also doesn’t charge any foreign transaction fees.

What We Don’t Like

If you don’t frequently spend money with Capital One Travel, you won’t earn as many bonus miles with this card since the flat-rate rewards are among the lowest. You may also find better booking rates by shopping outside of Capital One Travel, although it’s worth noting that Capital One does offer price matching to get Capital One Travel’s best prices on thousands of flights, hotels and rental cars.

Who It’s Best For

The Capital One VentureOne Rewards Card is a solid credit card for good credit if you’re looking to earn transferable travel rewards without paying an annual fee.

The Bank of America® Customized Cash Rewards credit card gives cardholders some flexibility to select the categories where they want to earn bonus rewards.

Why We Like It

With the Bank of America® Customized Cash Rewards credit card, cardholders can choose one category from a select set to earn 3% cash back including online shopping. For those who shop for goods across the web, this may be a no-brainer. Bank of America Preferred Rewards members can earn a 25% to 75% bonus on all cash back earned with this card.

This card also offers a 0% introductory APR for 15 billing cycles for purchases and balance transfers, 18.24% to 28.24% variable APR applies thereafter. Intro rate applies for any balance transfers made in the first 60 days; balance transfer fee of 3% applies to each transfer during this period, then 4%.

What We Don’t Like

Having the option to change your bonus category each month is a great benefit if you remember to do it and can predict your spending. However, the elevated rewards are capped at the first $2,500 in spending each quarter, which may limit your rewards earnings. You’ll also need significant balances at Bank of America to qualify for the Preferred Member bonus.

Who It’s Best For

The Customized Cash Card is best for those who want concentrated rewards in one of the card’s 3% bonus category choices.

If you want to use your good credit to earn cash back without tracking bonus categories, consider the Chase Freedom Unlimited®. You’ll earn cash back on every purchase, plus select bonus categories you can depend on.

Why We Like It

Just like the Chase Freedom Flex®, you can use your cash-back rewards to book travel through Chase Travel℠. If you aren’t interested in travel, your rewards can also be redeemed for cash back, merchandise or gift cards. You can also combine your points with other cards that earn Ultimate Rewards®.

New cardholders receive a 0% introductory APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.99% to 28.49% applies. An intro transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater, applies in the first 60 days of account opening. After that, a fee of either $5 or 5% of the amount of each transfer applies.

What We Don’t Like

The Freedom Unlimited charges a foreign transaction fee of 3% of each transaction in U.S. dollars. The base rate on this card is low compared to the 2% cash-back cards that are available. Unless you spend a lot on drugstore and dining purchases, you may do better with another credit card for good credit.

Who It’s Best For

The Chase Freedom Unlimited Card is best for spenders who want a credit card for good credit that comes with the convenience of earning an elevated flat rate on all purchases while also receiving a few bonus categories.

Travelers with good credit should opt for the Chase Sapphire Preferred® Card, one of the top travel cards in the industry. The generous welcome bonus is worth 25% more when redeemed through Chase Travel℠ or you can transfer points to several airline and hotel partners.

Why We Like It

Travelers will appreciate that you’ll get up to $50 in statement credits each account anniversary year for hotel stays purchased through Chase Travel℠. On top of solid category bonuses, you’ll also get many more perks than some of the other cards on this list.

Enrolled users can also take advantage of benefits like a DoorDash DashPass subscription (a $96 value) when activated by December 31, 2027, and temporary bonus points for Peloton and Lyft through March 31, 2025. On each account anniversary, you’ll earn bonus points equal to 10% of your total purchases made the previous year.

Redeeming travel through the Chase Travel portal can yield 25% more value and the Sapphire Preferred offers various included travel protections.

What We Don’t Like

The rewards are fairly pigeonholed for dining out and traveling. That structure means this isn’t a good choice if you need a card to earn high rewards on all purchases. If you aren’t an avid traveler, you may want to consider a cash-back card instead. The card also charges a $95 annual fee.

Who It’s Best For

The Chase Sapphire Preferred is best for regular travelers who don’t care about premium benefits like lounge access.

Spend with abandon on the Capital One Savor Cash Rewards Credit Card knowing you’ll consistently get a bit extra back, as the card offers unlimited bonus cash back on select static categories.

Why We Like It

Big spenders can benefit from the unlimited 3% cash-back categories like dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®). The card also offers 1% on all other purchases—and it doesn’t have an annual fee (rates & fees). You can also earn unlimited 5% cash back on hotels and car rentals booked through Capital One Travel and 8% cash back on Capital One Entertainment purchases, along with special perks. There are no foreign transaction fees. Your rewards never expire for the life of the account, either, so you can redeem your cash back when you need it the most.

What We Don’t Like

In addition to the exclusion of Walmart and Target from the grocery bonus category the card has a high variable APR, so it’s a poor option if you periodically carry a balance.

Who It’s Best For

If you tend to spend a lot on the bonus categories, the Capital One Savor is an excellent card to choose, as there’s no cap on the bonus amounts.

Anyone with decent credit looking for an everyday spending card with significant rewards in many purchase categories should opt for the Wells Fargo Autograph® Card. It comes with a notable welcome bonus and a few other perks for no annual fee.

Why We Like It

The Wells Fargo Autograph® Card makes it easy to earn points at an accelerated rate, thanks to several bonus categories that cover everyday expenses. The Autograph card also features a 0% introductory APR on purchases for 12 months from account opening. A variable APR of 19.24%, 24.24%, or 29.24% applies for purchases after the intro period ends and for balance transfers. The card has a balance transfer fee of up to 5%, minimum $5.

Another perk is $600 worth of cellphone protection when you pay your monthly cellphone bill with the card—just know it’s subject to a $25 deductible (terms apply). Points can easily be redeemed for cash back or transferred to travel partners.

What We Don’t Like

Rewards earned through this card don’t seem quite as flexible compared to some others on this list. Wells Fargo only has a few transfer partners and it doesn’t currently partner with any major U.S. airlines.

Who It’s Best For

The Wells Fargo Autograph Card is a reliable option for anyone who wants to earn cash-back rewards and spends regularly in the Autograph card’s bonus categories.

The Blue Cash Everyday® Card from American Express (Terms apply, see rates & fees) is a straightforward, $0 annual fee card that offers cash-back bonuses on everyday spend categories. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.

Why We Like It

The card’s benefits are simple but valuable. Its strong earning rate at U.S. supermarkets and gas stations (3% cash back for both categories) can save you a grundle on groceries and gas. Plus, it comes with a decent welcome offer of a $200 statement credit after spending $2,000 on purchases within the first 6 months and a Disney Bundle credit of up to $84 per year ($7 per month) when you spend $9.99 or more each month on an eligible subscription with your card (subject to auto renewal, enrollment required).

What We Don’t Like

This card caps its 3% bonus categories at $6,000 each in purchases annually (after that, you’ll only earn 1% cash back). Plus, bonus categories are for businesses solely within the United States, and the card charges foreign transaction fees.

Who It’s Best For

The Blue Cash Everyday® Card from American Express is best for U.S. residents who plan to spend here in the United States. It’s also best for low spenders because once you hit the $6,000 threshold in each category, you’ll earn a meager 1% cash back.

The Citi Strata Premier℠ Card earns bonus Citi ThankYou® Points on a variety of common spending categories and offers some nice built-in travel perks too.

Why We Like It

The Citi Strata Premier℠ Card offers an extremely high reward rate on hotels, rental cars and attractions booked through CitiTravel.com, as well as solid rewards in other bonus categories. Citi ThankYou Points can be transferred to many partner airline programs.

Every year, you can get $100 off a single hotel stay of $500 or more (excluding taxes and fees) booked through CitiTravel.com. The Strata Premier doesn’t charge foreign transaction fees and offers various built-in travel protections making this a great card to explore the world.

What We Don’t Like

While Citi ThankYou Points are flexible and can be valuable, they don’t transfer to as many domestic airlines or elite hotels as Chase Ultimate Rewards® or American Express Membership Rewards®. The card also has a $95 annual fee.

Who It’s Best For

The Citi Strata Premier℠ Card can be extremely rewarding for those who regularly book hotels, car rentals or attractions through CitiTravel.com.