best credit cards for very good credit

Best Credit Cards for Very Good Credit (Score of 750 to 799)

People with credit scores between 750 and 799 have very good credit, and most likely can qualify for some of the best credit cards. Choices, choices: how do you decide?

As regular readers know, we save and invest our credit card rewards. We call it Rewards Stacking. We also evaluate cards based on our 1-2-3 cash back system. The good news is that with a solid credit score, you should be able to quality for reward cards that will enable you to stack some serious cash.

Our List of the Best Credit Cards for Credit Scores 750 – 799

Some of the cards in this list have high annual fees. But the perks and benefits make the fee worth it if you use them. Otherwise, there are plenty of options here if you prefer a credit card with no annual fee.

The Platinum Card® from American Express

Amex Platinum Card

Our Rating: 4.5

★★★★

The Platinum Card® from American Express

Welcome Offer (Terms Apply)

Earn 80,000 Membership Rewards® Points

Est. Value

Up to $1,600

Annual Fee

$695

APR

See Pay Over Time APR Variable

Credit Req’d

Excellent, Good

Rewards: When booking travel directly with American Express, cardholders earn 5x membership reward points for every dollar spent.

The The Platinum Card® from American Express is a travel rewards card with a long string of benefits and credits that offset the hefty annual fee. You get everything from a digital entertainment credit to hotel and airline credits. In addition, if you’re a frequent flyer, you probably appreciate the value of a good airport lounge, and this card gets you access to both Centurion and Priority Pass lounges.

1x points
On all other eligible purchases
1x on other purchases
5x points
Airfare
5x points on flights booked directly with airlines or with American Express Travel, on up to $500,000 on these purchases each calendar year
5x points
Hotels
5x points on prepaid hotels booked on amextravel.com

Pros

  • Welcome offer
  • No foreign transaction fee
  • Excellent annual credits
  • Lounge access
  • Up to 5x points

Cons

  • Annual fee
  • Requires good credit
App StatusDateCredit ScoreBureauCredit Limit
Approved04/25/2024
649
Not Provided
---
Approved03/20/2024
800
Not Provided
---
Approved04/28/2023
812
Equifax
---
Approved04/28/2023
820
TransUnion
---
Approved04/28/2023
825
Experian
---
Approved08/16/2023
698
Equifax
$25,000
Approved08/16/2023
709
Experian
$25,000
Approved08/16/2023
728
TransUnion
$25,000
Approved12/11/2023
695
TransUnion
---
Approved12/11/2023
713
Experian
---
Approved12/11/2023
714
Equifax
---
Approved01/04/2023
696
Not Provided
---
Approved06/21/2023
700
Not Provided
---
Approved01/23/2023
675
Not Provided
$6,000
Approved11/01/2023
683
Experian
---
Approved11/01/2023
703
TransUnion
---
Approved11/01/2023
718
Equifax
---
Approved08/17/2023
737
TransUnion
---
Approved08/17/2023
742
Equifax
---
Approved08/17/2023
758
Experian
---
Approved05/29/2024
680
Experian
---

Capital One Venture X Rewards Credit Card

Capital One Venture X

Our Rating: 4.9

★★★★

Capital One Venture X Rewards Credit Card

Welcome Offer

Earn 75,000 bonus miles

Est. Value

Up to $1,312.50

Annual Fee

$395

APR

19.99% – 29.99% Variable

Credit Req’d

Excellent

Rewards: Earn up to 10 rewards miles per dollar spent on travel booked through Capital One plus an excellent up front welcome offer.

The Capital One Venture X Rewards Credit Card is a premium travel rewards card that offers valuable perks and benefits that you can use if you travel just once or twice a year. Some people may balk at the $395 annual fee, but keep in mind that the card comes with a $300 travel credit when you book travel through Capital One, and 10,000 points on your card anniversary every year (worth about $100). You also get airport lounge access and great travel perks, making this card a relative bargain.

2x miles
On all other eligible purchases
2 Miles per dollar on every purchase, every day
5x miles
Airfare
5 Miles per dollar on flights booked through Capital One Travel
10x miles
Hotels
10 Miles per dollar on hotels booked through Capital One Travel
10x miles
Rental Cars
10 Miles per dollar on rental cars booked through Capital One Travel

Pros

  • Welcome offer
  • No foreign transaction fee
  • Up to 10x miles on purchases

Cons

  • Annual fee
  • Requires excellent credit
App StatusDateCredit ScoreBureauCredit Limit
Approved04/25/2024
649
Not Provided
---
Approved03/20/2024
800
Not Provided
---
Approved04/28/2023
812
Equifax
---
Approved04/28/2023
820
TransUnion
---
Approved04/28/2023
825
Experian
---
Approved08/16/2023
698
Equifax
$25,000
Approved08/16/2023
709
Experian
$25,000
Approved08/16/2023
728
TransUnion
$25,000
Approved12/11/2023
695
TransUnion
---
Approved12/11/2023
713
Experian
---
Approved12/11/2023
714
Equifax
---
Approved01/04/2023
696
Not Provided
---
Approved06/21/2023
700
Not Provided
---
Approved01/23/2023
675
Not Provided
$6,000
Approved11/01/2023
683
Experian
---
Approved11/01/2023
703
TransUnion
---
Approved11/01/2023
718
Equifax
---
Approved08/17/2023
737
TransUnion
---
Approved08/17/2023
742
Equifax
---
Approved08/17/2023
758
Experian
---
Approved05/29/2024
680
Experian
---

American Express® Gold Card

Amex Gold Card

Our Rating: 4.5

★★★★

American Express® Gold Card

Welcome Offer (Terms Apply)

Earn 60,000 Membership Rewards® Points

Est. Value

Up to $1,200

Annual Fee

$250

APR

See Pay Over Time APR

Credit Req’d

Good, Excellent

Rewards: Earn 4x points at restaurants including takeout and delivery. 4x points at U.S. supermarkets (up to $25,000 in purchases/year). Up to 3x points on flights. 1x points for other eligible purchases.

American Express® Gold Card is a great card for everyday purchases, but particularly for groceries and dining, thanks to the $120 dining credit. If you add the card to your Uber app, you can also get up to $120 Uber Cash credit (Up to $10 per month) that you can use in the U.S. only. You get 4x on groceries and 4x at restaurants, including takeout and delivery at U.S restaurants. You also get points on travel and no foreign transaction fees, making this card an excellent traveling companion.

1x points
On all other eligible purchases
1x points on all other eligible purchases
3x points
Airfare
3x points on flights booked directly with airlines or on amextravel.com
4x points
U.S. supermarkets
4x points at U.S. supermarkets on up to $25,000 in purchases per year.
4x points
Dining
4x points at restaurants worldwide, plus takeout and delivery in the U.S.

Pros

  • Welcome offer
  • No foreign transaction fee
  • Up to 4x points
  • Excellent dining credit

Cons

  • Annual fee
  • Requires good credit
App StatusDateCredit ScoreBureauCredit Limit
Approved06/13/2023
699
TransUnion
$1,750
Approved02/03/2024
688
Equifax
---
Approved02/03/2024
690
Experian
---
Approved02/03/2024
731
TransUnion
---
Approved02/27/2023
700
Experian
---

Citi Strata Premier® Card 

Citi Strata Premier

Our Rating: 4.7

★★★★

Citi Strata Premier® Card

Welcome Offer

None

Est. Value

None

Annual Fee

$95

APR

21.24%- 29.24% Variable

Credit Req’d

Good 670 – 739, Excellent 740 – 850

Rewards: Earn 10x points on hotel, car rentals and attractions booked through CitiTravel.com. 3x points at gas stations, restaurants, hotels, air travel, and U.S. supermarkets. 1x points on all other purchases.

The Citi Strata Premier® Card is a good choice if you want a travel rewards card without a staggering annual fee. You even get a $100 hotel credit (to use on a $500 stay) once per calendar year (terms apply). You can transfer your travel points to travel partners such as Jet Blue and Virgin Atlantic, and you get points on gas, restaurants, and groceries.

1x points
On all other eligible purchases
Earn 1X points on all other purchases
3x points
U.S. supermarkets
Earn 3X points per dollar spent at U.S. supermarkets
3x points
Airfare
Earn 3X points per dollar spent on air travel
3x points
Hotels
Earn 3X points per dollar spent on other hotel purchases
3x points
Dining
Earn 3X points per dollar spent at restaurants
3x points
Gas
Earn 3X points per dollar spent at gas stations and at EV charging stations
10x points
Select Categories
Earn a total of 10 ThankYou® Points per $1 spent on hotel, car rentals and attractions booked through CitiTravel.com

Pros

  • Welcome offer
  • No foreign transaction fee

Cons

  • Annual fee
  • Requires good credit
App StatusDateCredit ScoreBureauCredit Limit
Approved12/29/2023
814
Equifax
$12,000
Approved12/29/2023
829
Experian
$12,000
Approved12/29/2023
830
TransUnion
$12,000
Approved04/07/2023
804
TransUnion
$3,000
Approved04/07/2023
808
Experian
$3,000
Approved04/07/2023
816
Equifax
$3,000
Approved12/07/2023
791
TransUnion
$11,000
Approved12/07/2023
808
Equifax
$11,000
Approved12/07/2023
808
Experian
$11,000
Approved01/10/2023
803
Experian
$11,000
Approved11/04/2023
722
TransUnion
$7,000

Chase Sapphire Reserve®

Chase Sapphire Reserve

Our Rating: 4.9

★★★★

Chase Sapphire Reserve®

Welcome Offer

Earn 60,000 bonus points

Est. Value

Up to $900

Annual Fee

$550

APR

22.49%-29.49% Variable

Credit Req’d

Excellent

Rewards: Earn up to 10x points on hotels and car rentals booked through Chase. Up to 5x points on flights booked through Chase. 3x points on other travel and dining. 1x points on other eligible purchases.

The Chase Sapphire Reserve® offers valuable travel rewards and a great welcome bonus, making this a great choice for the frequent flyer who wants a premium experience. Yes, the annual fee is high, but if you make use of the many benefits and travel credits that come with this card, it’s worth it. And don’t forget you earn a 50% boost in value on Chase Ultimate Rewards points, which are already some of the most valuable travel points around.

1x points
On all other eligible purchases
Earn 1 point per dollar on all other eligible purchases.
3x points
Dining
Earn 3x points on other travel and dining.
5x points
Travel
Earn 5x points on flights when you purchase travel through Chase Travel(SM) immediately after the first $300 is spent on travel purchases annually.
10x points
Travel
10x on hotels and car rentals when you purchase travel through Chase Travel(SM) immediately after the first $300 is spent on travel purchases annually.

Pros

  • Welcome offer
  • No foreign transaction fee
  • Up to 10x points
  • Excellent statement credits
  • Transfer points to Chase travel partners

Cons

  • Annual fee
  • Requires good credit
App StatusDateCredit ScoreBureauCredit Limit
Approved04/08/2023
720
Not Provided
$10,000
Approved05/08/2023
830
Experian
$27,000
Approved02/06/2023
677
Experian
$10,700
Approved04/19/2023
806
Experian
$18,600
Approved04/19/2023
810
Equifax
$18,600
Approved04/19/2023
823
TransUnion
$18,600
Approved08/03/2023
700
TransUnion
$15,000
Approved09/30/2023
698
Experian
$25,500
Approved09/30/2023
730
TransUnion
$25,500
Approved09/30/2023
733
Equifax
$25,500
Approved09/30/2023
766
Equifax
$25,500
Approved12/14/2023
750
Experian
$10,000
Approved03/22/2023
719
Equifax
$21,700
Approved03/22/2023
752
TransUnion
$21,700
Approved03/22/2023
789
Experian
$21,700
Approved01/07/2023
821
Experian
$25,000
Approved01/07/2023
828
TransUnion
$25,000
Approved01/07/2023
838
Equifax
$25,000
Approved10/23/2023
751
Experian
$10,000
Approved10/23/2023
785
TransUnion
$10,000
Denied10/19/2023
749
TransUnion
---
Denied10/19/2023
765
Experian
---

Chase Sapphire Preferred® Card 

Chase Sapphire Preferred

Our Rating: 4.9

★★★★

Chase Sapphire Preferred® Card

Welcome Offer

Earn 60,000 bonus points

Est. Value

Up to $750

Annual Fee

$95

APR

21.49%-28.49% Variable

Credit Req’d

Excellent, Good

Rewards: Earn 5x points on travel purchased through Chase. 3x points on dining, select streaming services, and online groceries (excluding Target, Walmart, and wholesale clubs). 2x points on other travel. 1x points on other purchases.

The Chase Sapphire Preferred® Card might be the best bang for your buck among travel credit cards. Your Chase Ultimate Rewards points get a 25% boost in value when redeemed for travel; the welcome bonus is worth slightly less than the Chase Sapphire Reserve®‘s, and the annual fee is about 20% of the Reserve. You even get a $50 hotel stay credit when you book through Chase, making the net cost even lower.

1x points
On all other eligible purchases
1x points on all other purchases
2x points
Travel
2x points on all other travel purchases
3x points
U.S. supermarkets
Earn 3x points on online groceries (excluding Target, Walmart and wholesale clubs)
3x points
Streaming services
Earn 3x points on select streaming services
3x points
Dining
3x points on dining
5x points
Travel
5x points on travel purchased through Chase Travel(SM)

Pros

  • Welcome offer
  • No foreign transaction fee
  • Earns Chase Ultimate Rewards points
  • Up to 5x points

Cons

  • Annual fee
  • High APR
  • Requires good credit
App StatusDateCredit ScoreBureauCredit Limit
Approved11/25/2023
814
Experian
$5,000
Approved08/03/2023
872
Not Provided
$19,500
Approved12/29/2023
712
Experian
$15,000
Approved04/19/2023
737
Equifax
$16,000
Approved04/19/2023
747
Experian
$16,000
Approved04/19/2023
747
TransUnion
$16,000
Approved11/11/2023
800
Not Provided
$16,800
Approved04/18/2023
790
Experian
$17,300
Approved05/21/2023
703
Experian
$17,300
Approved04/04/2023
735
Equifax
$17,300
Approved04/04/2023
825
Experian
$17,300
Approved07/06/2023
735
Experian
$5,000
Approved07/06/2023
745
Equifax
$5,000
Approved07/06/2023
755
TransUnion
$5,000
Approved05/20/2024
750
Not Provided
$7,500
Approved05/02/2024
797
Experian
$22,500
Approved05/02/2024
848
TransUnion
$22,500
Approved06/03/2024
716
Not Provided
$5,000
Approved10/19/2023
720
Not Provided
$19,500
Approved03/04/2024
590
Not Provided
$5,000
Approved06/14/2023
759
Experian
$6,000
Approved04/06/2023
897
Not Provided
$23,800
Approved01/30/2024
645
Equifax
$9,000
Approved01/30/2024
645
TransUnion
$9,000
Approved01/30/2024
666
Experian
$9,000
Approved04/14/2023
765
Experian
$7,200
Approved04/14/2023
777
Equifax
$7,200
Approved04/14/2023
777
TransUnion
$7,200
Approved10/23/2023
745
TransUnion
$5,000
Approved10/03/2023
761
Equifax
$18,000
Approved10/03/2023
767
Experian
$18,000
Approved10/03/2023
774
TransUnion
$18,000
Approved05/06/2024
832
Not Provided
---
Approved05/06/2024
833
Not Provided
---
Denied01/04/2024
783
Not Provided
---
Denied04/18/2024
707
Equifax
---
Denied04/18/2024
714
Experian
---
Denied01/17/2024
795
Not Provided
---
Denied05/29/2024
727
Not Provided
---
Denied06/12/2024
770
Not Provided
---

Citi® Double Cash Card 

Citi Double Cash

Our Rating: 4.9

★★★★

Citi® Double Cash Card

Welcome Offer

Earn $200 cash back

Est. Value

$200

Annual Fee

$0

APR

19.24% – 29.24% Variable

Credit Req’d

Good to Excellent 670 – 850

Rewards: Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.

The Citi® Double Cash Card is the card for you if you want a simple cash back structure you don’t have to think about. You get unlimited 2% cash back on every purchase. There’s also 0% APR on balance transfers, so any debt you have from higher-interest cards is that much easier to pay off.

2% cash back
All eligible purchases
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.

Pros

  • Welcome offer
  • No annual fee
  • Up to 2% cash back

Cons

  • Foreign transaction fee
  • Requires good credit
App StatusDateCredit ScoreBureauCredit Limit
Approved04/21/2024
635
TransUnion
$3,500
Approved04/21/2024
670
Equifax
$3,500
Approved03/12/2024
726
Equifax
$3,800
Approved03/12/2024
731
Equifax
$3,800
Approved03/12/2024
745
Equifax
$3,800
Approved03/12/2024
765
Equifax
$3,800
Approved03/12/2024
800
Experian
$3,800
Approved03/12/2024
806
TransUnion
$3,800
Approved02/03/2024
780
Experian
$6,900
Approved02/03/2024
794
TransUnion
$6,900
Approved02/03/2024
813
Equifax
$6,900
Approved01/19/2024
840
Not Provided
$11,500
Approved12/12/2023
800
Not Provided
$7,000
Approved01/11/2024
730
Not Provided
---
Approved05/22/2024
805
Experian
$6,800
Approved11/13/2023
760
Not Provided
$3,000
Approved11/28/2023
740
TransUnion
$9,000
Approved11/28/2023
801
Experian
$9,000
Approved11/28/2023
810
Equifax
$9,000
Denied01/03/2024
800
Not Provided
---
Denied05/10/2024
793
Not Provided
---

Blue Cash Preferred® Card from American Express

American Express Blue Cash Preferred

Our Rating: 4.5

★★★★

Blue Cash Preferred® Card from American Express

Welcome Offer (Terms Apply)

Earn a $250 statement credit

Est. Value

$250

Annual Fee

$0 intro annual fee for the first year, then $95.

APR

19.24% – 29.99% Variable

Credit Req’d

Good, Excellent

Rewards: Earn 6% cash back on select U.S. streaming services and on groceries up to $6,000 per year at U.S. supermarkets, then 1%. 3% cash back at U.S. gas stations and transit. 1% cash back on other purchases. The cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or on Amazon.com at checkout.

The Blue Cash Preferred® Card from American Express offers 6% cash back on groceries, up to $6,000 a year. After that, you can always switch to a different card. But this card also offers 6% cash back on streaming with no cap, plus you can get a $7 statement credit a month for the Disney Bundle when you enroll. The annual fee is waived for the first year, and there’s a 0% APR offer. All of this adds up to a great card for everyday purchases.

1% cash back
On all other eligible purchases
1% cash back on all other eligible purchases
3% cash back
Gas
3% cash back at U.S. gas stations
3% cash back
Transit
Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more)
6% cash back
U.S. supermarkets
6% cash back on groceries up to $6,000 per year in purchases at U.S. supermarkets, then 1%
6% cash back
Streaming services
6% cash back on select U.S. streaming subscriptions

Pros

  • Welcome offer
  • Up to 6% cash back

Cons

  • Annual fee
  • High APR
  • Foreign transaction fee
App StatusDateCredit ScoreBureauCredit Limit
Approved01/19/2023
825
Not Provided
$6,000
Approved05/04/2023
738
Experian
$20,000
Approved05/04/2023
748
TransUnion
$20,000
Approved05/04/2023
755
Equifax
$20,000

Chase Freedom Unlimited®

Chase Freedom Unlimited

Our Rating: 4.9

★★★★

Chase Freedom Unlimited®

Welcome Offer

Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year)

Est. Value

$200

Annual Fee

$0

APR

20.49% – 29.24% Variable

Credit Req’d

Excellent, Good

Rewards: Earn 5% cash back on travel purchases through Chase (after your first year or $20,000 spent). 3% cash back on dining and drugstore purchases. 1.5% cash back on other purchases.

The Chase Freedom Unlimited® is a great no-annual fee card. You get 0% APR on purchases and balance transfers for 15 months, 5% cash back on travel purchased through Chase, and 3% on dining and at drugstores. You get a nice suite of benefits such as trip cancellation/trip interruption insurance and auto rental collision damage waiver.

1.5% cash back
On all other eligible purchases
Earn 1.5% cash back on all other purchases
3% cash back
Drugstores
Earn 3% on drugstore purchases
3% cash back
Dining
Earn 3% cash back on dining at restaurants, including takeout and eligible delivery services
5% cash back
Travel
5% cash back on all travel purchased through Chase Travel(SM)

Pros

  • Welcome offer
  • No annual fee
  • Up to 5% cash back

Cons

  • Foreign transaction fee
  • Requires good credit
App StatusDateCredit ScoreBureauCredit Limit
Approved03/20/2023
785
Experian
$5,000
Approved07/18/2023
765
Experian
$12,500
Approved07/18/2023
773
TransUnion
$12,500
Approved07/18/2023
785
Equifax
$12,500
Approved09/06/2023
754
Experian
$9,000
Approved09/08/2023
740
Equifax
$15,000
Denied09/05/2023
738
Experian
---
Denied09/05/2023
740
Equifax
---
Denied09/05/2023
750
TransUnion
---

Citi Custom Cash® Card

Citi Custom Cash

Our Rating: 4.7

★★★★

Citi Custom Cash® Card

Welcome Offer

Earn $200 in cash back

Est. Value

$200

Annual Fee

$0

APR

19.24% – 29.24% Variable

Credit Req’d

Good 670 – 739, Excellent 740 – 850

Rewards: Earn 5% cash back in your top eligible spend category each billing cycle up to the first $500 spent, then 1%. Unlimited 1% cash back on other purchases.

The Citi Custom Cash® Card automatically figures out what category you spend the most money in every month and then gives you 5% cash back for that category. You don’t have to do anything–no enrollment, no signing up for a rotating category, nothing. You earn 5% cash back on up to $500 spent per billing cycle. There’s no annual fee, and you get 0% APR on purchases and balance transfers for the first 15 months.

1% cash back
On all other eligible purchases
Earn unlimited 1% cash back on all other purchases.
5% cash back
Select Categories
Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter.

Pros

  • Welcome offer
  • No annual fee
  • Up to 5% cash back

Cons

  • High APR
  • Foreign transaction fee
App StatusDateCredit ScoreBureauCredit Limit
Approved02/06/2023
748
Experian
$3,800
Approved02/06/2023
759
TransUnion
$3,800
Approved02/06/2023
761
Equifax
$3,800
Approved10/04/2023
784
Experian
$5,300
Approved10/04/2023
801
TransUnion
$5,300
Approved10/04/2023
811
Equifax
$5,300
Approved09/13/2023
800
Not Provided
$11,600
Approved10/24/2023
720
Equifax
$8,000
Approved07/17/2023
790
Equifax
$3,000
Approved01/17/2023
800
TransUnion
$5,300
Denied05/12/2023
800
Not Provided
---
Denied05/19/2024
762
Not Provided
---

Wells Fargo Active Cash® Card

Wells Fargo Active Cash

Our Rating: 4.9

★★★★

Wells Fargo Active Cash® Card

Welcome Offer

Earn a $200 cash rewards bonus

Est. Value

$200

Annual Fee

$0

APR

20.24%, 25.24% or 29.99% Variable

Credit Req’d

Good to Excellent 670 – 850

Rewards: Earn unlimited 2% cash rewards on purchases.

The Wells Fargo Active Cash® Card offers a great combination of benefits that make it one of the top cards for everyday spending. You get 2% cash back on every purchase, which admittedly, a lot of cards offer. But you also get 0% on purchases and balance transfers for the first 15 months from account opening, plus you get a small welcome bonus. This is also one of the few 2% cash back cards to offer cell phone protection.

2% cash back
All eligible purchases
Earn unlimited 2% cash rewards on purchases

Pros

  • Welcome offer
  • No annual fee
  • 2% cash back

Cons

  • Foreign transaction fee
  • Requires good credit
App StatusDateCredit ScoreBureauCredit Limit
Approved04/20/2023
810
Not Provided
$2,000
Approved09/02/2023
746
Experian
$6,000
Approved09/02/2023
774
Equifax
$6,000
Approved09/02/2023
786
TransUnion
$6,000
Approved06/03/2023
820
Equifax
$30,000
Approved02/18/2023
800
Not Provided
$20,000
Approved06/23/2023
700
Experian
$30,000
Approved04/14/2023
756
Experian
$13,000
Approved10/23/2023
745
Equifax
$12,000
Approved04/26/2023
743
Experian
$8,000
Approved04/26/2023
751
TransUnion
$8,000
Approved04/26/2023
765
Equifax
$8,000
Approved10/04/2023
721
Experian
$16,000
Approved09/24/2023
763
Experian
$15,000
Approved09/24/2023
784
TransUnion
$15,000
Approved09/24/2023
792
Equifax
$15,000
Denied04/01/2023
744
TransUnion
---
Denied04/01/2023
747
Experian
---
Denied04/01/2023
767
Equifax
---

Chase Freedom Flex®

Our Rating: 4.7

★★★★

Chase Freedom Flex®

Welcome Offer

$200

Est. Value

$200

Annual Fee

$0

APR

20.49%–29.24% Variable

Credit Req’d

Good to Excellent 670 – 850

Rewards: Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate and on travel purchased through Chase. 3% cash back on dining and drugstore purchases. 1% cash back on other purchases.

The Chase Freedom Flex® allows you to earn 5% cash back in selected rotating categories per quarter. The categories include things like gas, groceries, Amazon, dining, and streaming services. If you pair this with the Chase Freedom Unlimited® you can get 5% cash back on the rotating category and 1.5% cash back on everything else, or 3% cash back for the first year.

1% cash back
On all other eligible purchases
1% cash back on all other purchases
3% cash back
Drugstores
3% cash back on drugstore purchases
3% cash back
Dining
3% cash back on dining at restaurants, including takeout and eligible delivery services
5% cash back
Rotating Categories
5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate
5% cash back
Travel
5% cash back on travel purchased through Chase Travel(SM)

Pros

  • Welcome offer
  • No annual fee
  • Up to 5% cash back
  • Earns Chase Ultimate Rewards points

Cons

  • Foreign transaction fee
  • Requires good credit
  • Keeping track of quarterly bonus categories
App StatusDateCredit ScoreBureauCredit Limit
Approved04/02/2023
741
TransUnion
$14,000
Approved04/02/2023
748
Experian
$14,000
Approved08/02/2023
800
Not Provided
$19,000
Approved06/05/2022
746
Experian
---
Approved06/05/2022
748
TransUnion
---
Approved10/24/2023
800
Not Provided
$8,600
Approved09/03/2023
795
Experian
$22,500
Approved09/03/2023
847
TransUnion
$22,500
Approved06/02/2023
789
TransUnion
$12,000
Approved06/02/2023
791
Experian
$12,000

Bank of America® Customized Cash Rewards Credit Card

Our Rating: 4.4

★★★★

Bank of America® Customized Cash Rewards Credit Card

Welcome Offer

$200

Est. Value

$200

Annual Fee

$0

APR

19.24% to 29.24% Variable

Credit Req’d

Good to Excellent 670 – 850

Rewards: Earn 3% cash back in the category of your choice and 2% cash back at grocery stores and wholesale clubs up to $2,500 in combined purchases each quarter for the 3% and 2% categories, then 1%. Earn 1% cash back on other purchases.

The Bank of America® Customized Cash Rewards Credit Card lets you earn 3% in the category of your choice, 2% at grocery stores and 1% on everything else. A great perk is that the 2% on groceries includes wholesale clubs, which most other cards exclude. If you have a Bank of America account (checking, savings or investment) you earn Preferred Rewards, which means 25% to 75% more cash back. That means the 3% cash back categories could potentially earn as much as 5.25% cash back.

1% cash back
On all other eligible purchases
1% cash back on all other purchases
2% cash back
U.S. supermarkets
2% cash back at grocery stores and wholesale clubs. Earn 3% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter.
3% cash back
Select Categories
Get 3% cash back in the category of your choice: gas and EV charging stations; online shopping, including cable, internet, phone plans and streaming; dining; travel; drug stores and pharmacies; or home improvement and furnishings. Earn 3% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter.

Pros

  • Welcome offer
  • No annual fee
  • up to 3% cash back

Cons

  • High APR
  • Foreign transaction fee
  • Requires good credit
  • Spending cap
App StatusDateCredit ScoreBureauCredit Limit
Approved01/23/2024
748
Experian
$19,000
Approved03/06/2023
679
Experian
$10,000
Approved03/06/2023
699
Equifax
$10,000
Approved03/06/2023
713
TransUnion
$10,000
Approved03/06/2023
665
Experian
$4,000
Approved11/29/2023
764
Experian
$10,000
Approved02/02/2024
800
Not Provided
$24,000
Approved07/10/2023
802
Experian
$24,000
Approved03/01/2024
720
Experian
$500
Approved12/26/2023
715
Experian
$14,000

Citi® Diamond Preferred® Card 

Citi Diamond Preferred

Our Rating: 3.6

★★★

Citi® Diamond Preferred® Card

Welcome Offer

0% Intro APR for 21 months on balance transfers

Est. Value

N/A

Annual Fee

$0

APR

18.24% – 28.99% Variable

Credit Req’d

Good to Excellent 670 – 850

Rewards: None

The Citi® Diamond Preferred® Card is an excellent choice if you’ve accumulated high-interest debt on other credit cards. This card has one of the longest 0% APR’s on balance transfers that we’ve seen. The downsides are that there are no rewards or signup bonus, but for balance transfers, this card is hard to beat.

Pros

  • No annual fee
  • 0% Intro APR

Cons

  • No welcome bonus
  • No rewards
  • Foreign transaction fee
  • Requires good credit
App StatusDateCredit ScoreBureauCredit Limit
Approved04/13/2023
777
TransUnion
$13,100
Approved04/13/2023
781
Experian
$13,100
Approved04/21/2023
676
Equifax
$1,000
Approved04/21/2023
709
Experian
$1,000
Approved04/21/2023
715
TransUnion
$1,000
Approved01/11/2023
720
Equifax
$8,900
Approved02/15/2023
734
Experian
$1,000

U.S. Bank Cash+® Visa Signature® Card

U.S. Bank Cash+ Visa Signature

Our Rating: 4.8

★★★★

U.S. Bank Cash+® Visa Signature® Card

Welcome Offer

$200 bonus

Est. Value

$200

Annual Fee

$0

APR

19.49% – 29.74% Variable

Credit Req’d

Good to Excellent 670 – 850

Rewards: Earn 5% cash back on prepaid hotels, air travel, and car reservations booked in the Rewards Center. 5% cash back on your first $2,000 in combined eligible purchases each quarter on two categories of your choice. 2% cash back on one everyday category and 1% cash back on other purchases.

The U.S. Bank Cash+® Visa Signature® Card offers 5% cash back on any two categories you choose on up to $2,000 in combined purchases per quarter. This makes it a great card to use for something like utilities, which don’t often qualify for cash back with other cards. You also get 2% cash back on one everyday category (gas, restaurants, grocery stores) and 1% cash back on everything else. On top of that, there’s a small welcome bonus and no annual fee.

1% cash back
On all other eligible purchases
1% cash back on all other purchases
2% cash back
Rotating Categories
2% cash back on one everyday category, like Gas Stations and EV Charging Stations, Grocery Stores or Restaurants
5% cash back
Rotating Categories
5% cash back on your first $2,000 in combined eligible purchases each quarter on two categories you choose
5% cash back
Airfare
5% cash back on prepaid air booked directly in the Rewards Center
5% cash back
Hotels
5% cash back on prepaid hotels booked directly in the Rewards Center
5% cash back
Rental Cars
5% cash back on prepaid car reservations booked directly in the Rewards Center

Pros

  • Welcome offer
  • No annual fee
  • Up to 5% cash back

Cons

  • High APR
  • Foreign transaction fee
  • Requires good credit
App StatusDateCredit ScoreBureauCredit Limit
Approved09/01/2023
780
Not Provided
$10,000
Approved02/06/2023
778
Experian
$10,000
Approved02/06/2023
809
Equifax
$10,000
Approved02/06/2023
820
TransUnion
$10,000
Approved01/11/2024
797
Experian
$17,000
Approved09/21/2023
800
Experian
$500
Approved01/09/2023
809
Experian
$9,000
Approved08/05/2023
749
Not Provided
$500
Approved08/05/2023
803
Not Provided
$500
Approved08/05/2023
808
Not Provided
$500
Approved08/05/2023
829
Not Provided
$500
Approved06/19/2023
663
TransUnion
$600
Approved05/30/2023
744
Experian
$6,500
Approved05/30/2023
752
Equifax
$6,500
Approved05/30/2023
772
TransUnion
$6,500
Denied10/02/2023
791
Experian
---
Denied10/02/2023
811
Equifax
---

How to Choose a Credit Card for Very Good Credit

With good credit you can be approved for almost any credit card. First, figure out what you want from your credit card. Do you want a travel rewards card that offers perks and airport lounge access? Do you want a simple cash back card that rewards you for everyday expenses? Or, do you want a 0% intro APR offer to pay off higher-interest debt or make a large purchase?

When you decide what you want from your credit card, shop around for the best welcome bonuses and consider which perks you will use. If you decide to apply for a card with an annual fee, make sure the benefits and perks you get are equal to or outweigh the fee. If you want other cardholders’ honest opinions, type the name of the credit card followed by “Reddit” into the search engine. You can find out how easy it is to redeem rewards or transfer points and how good customer service is if you have a problem.

After you’ve narrowed down your options, apply for one or two cards that meet your needs. The hard pull on your credit might drop your score a few points, but it will recover quickly. And then enjoy your new credit cards.

Frequently Asked Questions (FAQ)

Which credit cards give the highest limits?

It depends on your income, and if you have a relationship with the lending bank (checking account, savings account, other credit cards). That said, American Express and Chase tend to give higher credit limits than most.

What credit limit can I get with a 750 credit score?

A credit score of 750 is excellent, but it’s difficult to predict what credit limit you can get without knowing your income, length of credit history, and if you have other assets. It may be possible to get a $100,000 credit limit, but it is more common to get one between $5,000 and $15,000.

Should I try to get my credit score over 800?

A perfect credit score is 850 and a credit score over 800 is held by only 23% of the population. However, once you get above 760, the advantages of a higher credit score are negligible. You’ll get most of the same offers and rates as someone with a score of 800.

Summary

You pay your bills on time, keep your balances low, and are fiscally responsible. Now it’s time to reap the rewards of that great credit score. You’ll enjoy lower interest rates, better perks, and higher limits. Keep up the good work!