Updated February 15th, 2018

People with excellent credit aren’t the only ones who can access great credit cards. Cardholders with good credit (FICO® score in the upper 600's and higher) still have a wealth of high-quality credit cards to choose from, including lucrative travel and cash-back solutions. So if your credit score is perched above the high 600's and you’re looking for a solid card, reviewing our list is a good start. Here’s a full rundown of our picks.

Discover it® - Cashback Match™
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Discover it® - Cashback Match™

Best for: Sign-up bonus and bonus cash rewards

Discover it® - Cashback Match™ earns 5% cash back (on up to $1,500 in spending quarterly) in rotating categories you activate such as gas, restaurants, Amazon purchases, and wholesale clubs, plus 1% cash back on all other purchases. Discover also automatically matches all the cash back earned, dollar for dollar, at the end of the first year for new cardholders. Combine these lucrative rewards with cutting out-of-pocket costs by nixing the annual fee and foreign transaction fees, and it’s easy to see why the Discover it® Card landed a spot on our short list. Read our full Discover it® - Cashback Match™ review to learn more.

Chase Freedom Unlimited®
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Chase Freedom Unlimited®

Best for: Sign-up bonus and cash rewards

Chase credit cards tend to pack a powerful punch, and Chase Freedom UnlimitedSM is no exception. Cardholders can score a $150 new-cardholder bonus when spending at least $500 in the first three months, plus 1.5% cash back on all purchases and a 0% intro APR for 15 billing cycles for balance transfers and purchases. Read our full Chase Freedom UnlimitedSM review to learn more.

Discover it® - 18 Month Balance Transfer Offer
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Discover it® - 18 Month Balance Transfer Offer

Best for: Balance transfers and cash rewards

Discover it - 18 Month Balance Transfer Offer offers an unmatched combination of benefits for those looking to reduce their debt load without sacrificing valuable rewards. On one hand, cardholders can take advantage of a 0% intro APR for 18 months for balance transfers in addition to a 0% intro APR for 6 months for purchases. And on the other, new cardholders also enjoy best-in-class rewards, including Discover's Cashback Match for every dollar spent in their first year, up to 5% cash back ($1,500 quarterly spending cap) in bonus categories you activate, and 1% on all other purchases. Top it all off, cardholders rack up additional savings with no annual fee and no foreign transaction fees. This combination of perks simply isn't available among competing cards we know of. Read our full Discover it - 18 Month Balance Transfer Offer review to learn more.

Discover it® Miles
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Discover it® Miles

Best for: Travel miles

Travel credit cards tend to reward cardholders with high rates at the expense of other valuable perks, including 0% intro APR offers. Discover it® Miles bridges that gap with all purchases earning 1.5x miles per $1 and a 0% intro APR for 14 billing cycles for purchases. This flexible approach aligns with Discover it®-branded credit cards, which we think are solid options for cardholders who carry one card that's meant to be versatile for day-to-day essentials. What's more, cardholders can earn a potentially lucrative bonus with Discover matching all the miles earned in the first year for new cardholders, no caps. This slate of perks is rare, even for cards for people with excellent credit. Read our full Discover it® Miles review to learn more.

Chase Slate®
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Chase Slate®

Best for: Balance transfers and $0 intro balance transfer fee

We view Chase Slate® best through the lens of a pure balance-transfer credit card, mostly due to its lineup of features. Balance transfers made within 60 days won't get hit with a fee and the card also includes a 0% intro APR for 15 months for both balance transfers and purchases. Tack on a FICO score for free and it's easy to see why we think it's a best-in-class option. Read our full Chase Slate® review for more.

Citi® Double Cash Card

Citi® Double Cash Card

Best for: Cash rewards and 0% intro APR

Citi® Double Cash Card stands out among cash-back cards because it offers an innovative rewards program that incentivizes smart use of debt by paying off balances. All purchases earn a total of 2% cash back – technically, 1% when purchased and 1% when paid off. This is among the highest cash-back rates for all purchases we know of on the market. What’s more, Citi® Double Cash Card helps indebted cardholders pay down balances faster when taking advantage of the card’s 0% intro APR for 18 billing cycles for balance transfers made within four months. Read our full Citi® Double Cash Card review to learn more.

Citi Simplicity® Card

Citi Simplicity® Card

Best for: 0% intro APR

Cardholders seeking occasional payment forgiveness may find Citi Simplicity® Card to be a suitable balance-transfer credit card. Citi Simplicity® Card doesn’t charge late payment fees, and it does not penalize for missed payments by bumping up a cardholder’s APR. But the card doesn’t skimp on features in favor of a longer leash for payment forgiveness. Citi Simplicity® Card dishes out a swoon-worthy 0% intro APR for 21 billing cycles for purchases and balance transfers made within four months. Read our full Citi Simplicity® Card review to learn more.


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