Best Credit Cards for Good Credit Scores for October 2022

The Chase Freedom Flex℠ offers the widest spread of benefits for a card that requires at least good credit and also has no annual fee. The cash-back categories make this a good card for domestic travel (keep in mind, this card does have foreign transaction fees) and dining, and the introductory APR credit card allows you to finance a large purchase comfortably. The rotating rewards category adds even more value, and covers a lot of common budget items. For July through September, you earn 5% cash back on gas stations, car rental agencies, movie theaters and select live entertainment, on up to $1,500 in combined purchases throughout the quarter.

Remember to manually activate the bonus rotating category through your online account. Chase doesn’t post the upcoming rewards categories until shortly before the new quarter begins.

For more information, see our full Chase Freedom Flex review.

The Chase Sapphire Preferred® Card is an all-around excellent travel credit card if you’ve established a good credit history. The welcome bonus alone can earn you enough points to book your next flight, but the rewards program adds extra incentives to your travel spending. If you redeem your rewards points for travel booked through Chase Ultimate Rewards, you’ll get a 25% boost on your points value. So instead of being worth 1 cent each — like when you redeem them for statement credits — points used for travel in the Chase Ultimate Rewards portal will net you 1.25 cents each.

This card has a lot of other built-in perks, like a 10% anniversary points boost: On your account anniversary, Chase gives you bonus points equal to 10% of your total purchases made the previous year. That means if you spend $25,000 on purchases, you’ll get 2,500 bonus points. Although there’s a $95 annual fee, the quality of perks, including primary auto rental collision damage waiver and travel assistance, easily offset that expense.

Check out our full review of the Chase Sapphire Preferred Card for more details.

You don’t have to think about which credit card to use for which spending categories with the Wells Fargo Active Cash. Typically for people with good or excellent credit, you earn 2% cash rewards across your purchases. There are no rotating categories to activate, specific portals you need to book through or strategies you need to employ. Besides the simplicity, the Active Cash Card has a competitive welcome offer for credit cards with no annual fee, and the introductory APR allows you to benefit from short-term financing on purchases or a qualifying balance transfer.

For more details, see our full Wells Fargo Active Cash review.

This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

The BankAmericard® credit card gives cardholders 21 billing cycles to pay off a transferred balance at 0% introductory interest (then 14.24% to 24.24% variable APR). It provides the same amount of time for new purchases, but there are no rewards.

It’s one of – if not the – longest introductory APR periods available.  It does charge a 3% balance transfer fee ($10 minimum), which is pretty standard across balance transfer credit cards. That makes it stand out among its competitors. Keep in mind you’ll need to make any balance transfers within 60 days of account opening to qualify for its low-interest offer.

There’s little to the card outside of that, but it presents one of the best choices for a balance transfer credit card if you’re looking to pay off some credit card debt.

For more information, see our full review of the BankAmericard credit card.

The Blue Cash Preferred® Card from American Express is a top choice if you have a credit score over 670 and want to earn maximum rewards on groceries and rewards on gas. Though there is a $95 annual fee, if you have a hefty grocery or gas bill it may be negligible, as these are some of the best cash-back rates you can earn on U.S. supermarket and U.S. gas station purchases. According to the Bureau of Labor Statistics, most American households’ grocery expenditure sits under the card’s $6,000 annual spending threshold for the U.S. supermarket rewards. You will only exceed this spending threshold if you average over $115 in groceries per week in a year. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.

See our full review of the Blue Cash Preferred Card for more details.

Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.