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

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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 points on other eligible purchases

5x points

Airfare

5x Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year

5x points

Hotels

5x Membership Rewards® Points on prepaid hotels booked with American Express Travel.

Pros

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

Cons

Annual fee
Requires good credit

App Status	Date	Credit Score	Bureau	Credit Limit
Approved	04/25/2024	649	Not Provided	---
Approved	03/20/2024	800	Not Provided	---
Approved	04/28/2023	812	Equifax	---
Approved	04/28/2023	820	TransUnion	---
Approved	04/28/2023	825	Experian	---
Approved	08/16/2023	698	Equifax	$25,000
Approved	08/16/2023	709	Experian	$25,000
Approved	08/16/2023	728	TransUnion	$25,000
Approved	12/11/2023	695	TransUnion	---
Approved	12/11/2023	713	Experian	---
Approved	12/11/2023	714	Equifax	---
Approved	01/04/2023	696	Not Provided	---
Approved	06/21/2023	700	Not Provided	---
Approved	01/23/2023	675	Not Provided	$6,000
Approved	11/01/2023	683	Experian	---
Approved	11/01/2023	703	TransUnion	---
Approved	11/01/2023	718	Equifax	---
Approved	08/17/2023	737	TransUnion	---
Approved	08/17/2023	742	Equifax	---
Approved	08/17/2023	758	Experian	---
Approved	05/29/2024	680	Experian	---

Capital One Venture X Rewards Credit Card

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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% – 29.24% Variable

Credit Req’d

Excellent

Rewards: Earn 10x miles on hotels and rental cars booked through Capital One Travel, 5x miles on flights and vacation rentals booked through Capital One Travel, and 2x miles on other purchases.

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

Earn unlimited 2x miles on all other purchases

5x miles

Select Categories

Earn 5x miles on vacation rentals booked through Capital One Travel

5x miles

Airfare

Earn 5x miles on flights booked through Capital One Travel

10x miles

Hotels

Earn unlimited 10x miles on hotels booked through Capital One Travel

10x miles

Rental Cars

Earn unlimited 10x miles 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 Status	Date	Credit Score	Bureau	Credit Limit
Approved	04/25/2024	649	Not Provided	---
Approved	03/20/2024	800	Not Provided	---
Approved	04/28/2023	812	Equifax	---
Approved	04/28/2023	820	TransUnion	---
Approved	04/28/2023	825	Experian	---
Approved	08/16/2023	698	Equifax	$25,000
Approved	08/16/2023	709	Experian	$25,000
Approved	08/16/2023	728	TransUnion	$25,000
Approved	12/11/2023	695	TransUnion	---
Approved	12/11/2023	713	Experian	---
Approved	12/11/2023	714	Equifax	---
Approved	01/04/2023	696	Not Provided	---
Approved	06/21/2023	700	Not Provided	---
Approved	01/23/2023	675	Not Provided	$6,000
Approved	11/01/2023	683	Experian	---
Approved	11/01/2023	703	TransUnion	---
Approved	11/01/2023	718	Equifax	---
Approved	08/17/2023	737	TransUnion	---
Approved	08/17/2023	742	Equifax	---
Approved	08/17/2023	758	Experian	---
Approved	05/29/2024	680	Experian	---

American Express® Gold Card

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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

$325

APR

See Pay Over Time APR

Credit Req’d

Good, Excellent

Rewards: Earn 4xMembership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year. 4x points at U.S. supermarkets (up to $25,000 in purchases/year, then 1x points). Up to 3x points on flights booked directly with airlines or on AmexTravel.com. 2x on prepaid hotels and other eligible purchases booked on AmexTravel.com. 1x points for other eligible purchases. Terms Apply.

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 (enrollment required). You get 4x points at U.S. supermarkets (on up to $25,000 in purchases per calendar year, then 1x points) and 4x points at restaurants worldwide (on up to $50,000 in purchases per calendar year, then 1x points). 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

Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.

2x points

Hotels

Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.

3x points

Airfare

Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.

4x points

U.S. supermarkets

Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.

4x points

Dining

Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.

Pros

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

Cons

Annual fee
Requires good credit

App Status	Date	Credit Score	Bureau	Credit Limit
Approved	06/13/2023	699	TransUnion	$1,750
Approved	02/03/2024	688	Equifax	---
Approved	02/03/2024	690	Experian	---
Approved	02/03/2024	731	TransUnion	---
Approved	02/27/2023	700	Experian	---

Citi Strata Premier® Card

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Our Rating: 4.7

★★★★★☆

Citi Strata Premier® Card

Welcome Offer

75,000 bonus points

Est. Value

$750

Annual Fee

$95

APR

20.24%- 28.24% 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 Status	Date	Credit Score	Bureau	Credit Limit
Approved	06/09/2024	774	TransUnion	$10,000
Approved	06/09/2024	777	Equifax	$10,000
Approved	06/09/2024	779	Experian	$10,000
Approved	06/09/2024	783	Experian	$10,000
Approved	06/09/2024	790	TransUnion	$10,000
Approved	06/09/2024	791	Equifax	$10,000
Approved	12/29/2023	814	Equifax	$12,000
Approved	12/29/2023	829	Experian	$12,000
Approved	12/29/2023	830	TransUnion	$12,000
Approved	04/07/2023	804	TransUnion	$3,000
Approved	04/07/2023	808	Experian	$3,000
Approved	04/07/2023	816	Equifax	$3,000
Approved	12/07/2023	791	TransUnion	$11,000
Approved	12/07/2023	808	Equifax	$11,000
Approved	12/07/2023	808	Experian	$11,000
Approved	06/24/2024	743	Equifax	$5,700
Approved	06/24/2024	757	Equifax	$5,700
Approved	06/24/2024	763	Not Provided	$5,700
Approved	01/10/2023	803	Experian	$11,000
Approved	08/09/2024	795	Experian	$9,200
Approved	07/25/2024	758	Experian	$3,900
Approved	11/04/2023	722	TransUnion	$7,000

Chase Sapphire Reserve®

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Our Rating: 4.9

★★★★★☆

Chase Sapphire Reserve®

Welcome Offer

Earn 60,000 bonus points

Est. Value

Up to $1000

Annual Fee

$550

APR

21.49% – 28.49% 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 Status	Date	Credit Score	Bureau	Credit Limit
Approved	06/13/2024	751	TransUnion	$31,000
Approved	06/13/2024	808	Experian	$31,000
Approved	04/08/2023	720	Not Provided	$10,000
Approved	05/08/2023	830	Experian	$27,000
Approved	02/06/2023	677	Experian	$10,700
Approved	04/10/2024	780	TransUnion	$21,500
Approved	04/10/2024	781	Equifax	$21,500
Approved	04/10/2024	809	Experian	$21,500
Approved	07/16/2024	745	Experian	$22,000
Approved	04/19/2023	806	Experian	$18,600
Approved	04/19/2023	810	Equifax	$18,600
Approved	04/19/2023	823	TransUnion	$18,600
Approved	08/03/2023	700	TransUnion	$15,000
Approved	06/22/2024	760	Not Provided	$35,000
Approved	09/30/2023	698	Experian	$25,500
Approved	09/30/2023	730	TransUnion	$25,500
Approved	09/30/2023	733	Equifax	$25,500
Approved	09/30/2023	766	Equifax	$25,500
Approved	12/14/2023	750	Experian	$10,000
Approved	03/22/2023	719	Equifax	$21,700
Approved	03/22/2023	752	TransUnion	$21,700
Approved	03/22/2023	789	Experian	$21,700
Approved	01/07/2023	821	Experian	$25,000
Approved	01/07/2023	828	TransUnion	$25,000
Approved	01/07/2023	838	Equifax	$25,000
Approved	10/23/2023	751	Experian	$10,000
Approved	10/23/2023	785	TransUnion	$10,000
Denied	10/19/2023	749	TransUnion	---
Denied	10/19/2023	765	Experian	---

Chase Sapphire Preferred® Card

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Our Rating: 4.9

★★★★★☆

Chase Sapphire Preferred® Card

Welcome Offer

Earn 60,000 bonus points

Est. Value

Up to $750

Annual Fee

$95

APR

20.49% – 27.49% 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 Status	Date	Credit Score	Bureau	Credit Limit
Approved	05/20/2024	750	Not Provided	$7,500
Approved	05/02/2024	797	Experian	$22,500
Approved	05/02/2024	848	TransUnion	$22,500
Approved	06/03/2024	716	Not Provided	$5,000
Approved	03/04/2024	590	Not Provided	$5,000
Approved	01/30/2024	645	Equifax	$9,000
Approved	01/30/2024	645	TransUnion	$9,000
Approved	01/30/2024	666	Experian	$9,000
Approved	05/06/2024	832	Not Provided	---
Approved	05/06/2024	833	Not Provided	---
Denied	01/04/2024	783	Not Provided	---
Denied	04/18/2024	707	Equifax	---
Denied	04/18/2024	714	Experian	---
Denied	01/17/2024	795	Not Provided	---
Denied	05/29/2024	727	Not Provided	---
Denied	06/12/2024	770	Not Provided	---

Citi^® Double Cash Card

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Our Rating: 4.9

★★★★★☆

Citi^® Double Cash Card

Welcome Offer

Earn $200 cash back

Est. Value

$200

Annual Fee

APR

18.24% – 28.24%, 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 Status	Date	Credit Score	Bureau	Credit Limit
Approved	04/21/2024	635	TransUnion	$3,500
Approved	04/21/2024	670	Equifax	$3,500
Approved	03/12/2024	726	Equifax	$3,800
Approved	03/12/2024	731	Equifax	$3,800
Approved	03/12/2024	745	Equifax	$3,800
Approved	03/12/2024	765	Equifax	$3,800
Approved	03/12/2024	800	Experian	$3,800
Approved	03/12/2024	806	TransUnion	$3,800
Approved	02/03/2024	780	Experian	$6,900
Approved	02/03/2024	794	TransUnion	$6,900
Approved	02/03/2024	813	Equifax	$6,900
Approved	01/19/2024	840	Not Provided	$11,500
Approved	01/11/2024	730	Not Provided	---
Approved	05/22/2024	805	Experian	$6,800
Denied	01/03/2024	800	Not Provided	---
Denied	05/10/2024	793	Not Provided	---

U.S. Bank Smartly™ Visa Signature® Card

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Our Rating: 4.8

★★★★★☆

U.S. Bank Smartly™ Visa Signature® Card

Welcome Offer

None

Est. Value

None

Annual Fee

APR

18.49% to 28.74% Variable

Credit Req’d

Good to Excellent 670 – 850

Rewards: Earn an unlimited 2% cash back on every purchase, plus earn up to an additional 2% cash back when paired with a U.S. Bank Savings account.

The U.S. Bank Smartly™ Visa Signature® Card is a good choice if you already have a savings account (or open consumer checking account(s), money market savings account(s), savings account(s), CDs and/or IRAs, U.S. Bancorp Investments and personal trust account(s)). If you have at least $5,000 you’ll earn 2.5%, if you have between $50,000 and $99,000 you’ll earn 3% cash back and if you have onver $100,000 you’ll earn 4% cash back on every purchase.

There is no welcome bonus, though, so this card is less attractive for those who don’t already bank with U.S. Bank.

2% cash back

All eligible purchases

Earn unlimited 2% cash back on all purchases

2.5% cash back

All eligible purchases

Earn a 25% Smartly Earning Bonus: Earn 2.5% cash back on all purchases when you have a U.S. Smartly Savings Account with a qualifying balance between $5,000 - $49,999 in U.S. Bank deposit, trust or investment accounts. To get this rate, rewards must be redeemed into an eligible U.S. Bank deposit account.

3% cash back

All eligible purchases

Earn a 50% Smartly Earning Bonus: Earn 3% cash back on all purchases when you have a U.S. Smartly Savings Account with a qualifying balance between $50,000 - $99,999 in U.S. Bank deposit, trust or investment accounts. To get this rate, rewards must be redeemed into an eligible U.S. Bank deposit account.

4% cash back

All eligible purchases

Earn a 100% Smartly Earning Bonus: Earn 4% cash back on all purchases when you have a U.S. Smartly Savings Account with a qualifying balance of $100,000 or more in U.S. Bank deposit, trust or investment accounts. To get this rate, rewards must be redeemed into an eligible U.S. Bank deposit account.

Pros

No annual fee
Up to 4% cash back

Cons

No welcome bonus
Foreign transaction fee
High APR
Requires good credit

App Status	Date	Credit Score	Bureau	Credit Limit
Approved	11/14/2024	813	TransUnion	$25,000
Approved	11/14/2024	823	Experian	$25,000
Approved	11/14/2024	841	Equifax	$25,000
Approved	11/11/2024	800	Equifax	$15,000
Approved	11/11/2024	756	Experian	$2,000
Approved	11/11/2024	757	Equifax	$2,000
Approved	11/11/2024	761	TransUnion	$2,000
Approved	11/13/2024	771	TransUnion	$2,000
Approved	11/11/2024	770	Experian	$15,000
Approved	11/11/2024	789	TransUnion	$15,000
Approved	11/11/2024	800	Equifax	$15,000
Approved	11/14/2024	817	TransUnion	$15,000
Approved	11/12/2024	800	Not Provided	$17,000
Approved	11/14/2024	800	Not Provided	$15,000

Blue Cash Preferred® Card from American Express

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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

18.24% – 29.24% 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 purchases

3% cash back

Gas

3% cash back at U.S. gas stations

3% cash back

Transit

3% 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 Status	Date	Credit Score	Bureau	Credit Limit
Approved	01/19/2023	825	Not Provided	$6,000
Approved	05/04/2023	738	Experian	$20,000
Approved	05/04/2023	748	TransUnion	$20,000
Approved	05/04/2023	755	Equifax	$20,000
Approved	09/16/2024	805	Experian	$25,000

Chase Freedom Unlimited®

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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

APR

19.49% – 28.24% 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 Status	Date	Credit Score	Bureau	Credit Limit
Approved	05/23/2024	640	Not Provided	$300
Approved	04/25/2024	801	Experian	$10,000
Approved	06/13/2024	741	Not Provided	$6,000
Approved	06/19/2024	667	Experian	$5,500
Approved	06/19/2024	686	TransUnion	$5,500
Approved	06/19/2024	687	Equifax	$5,500
Approved	01/05/2024	689	Experian	$11,000
Approved	01/05/2024	695	Equifax	$11,000
Approved	01/05/2024	696	Equifax	$11,000
Approved	01/05/2024	722	TransUnion	$11,000
Approved	01/05/2024	732	TransUnion	$11,000
Approved	01/05/2024	733	Experian	$11,000
Approved	09/09/2024	749	TransUnion	$12,000
Approved	09/09/2024	762	Experian	$12,000
Approved	09/09/2024	770	Equifax	$12,000
Approved	07/17/2024	708	Equifax	$5,600
Approved	07/17/2024	709	Experian	$5,600
Approved	07/17/2024	711	TransUnion	$5,600

Citi Custom Cash® Card

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Our Rating: 4.7

★★★★★☆

Citi Custom Cash® Card

Welcome Offer

Earn $200 in cash back

Est. Value

$200

Annual Fee

APR

18.24% – 28.24% 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.

4% cash back

Select Categories

Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel(SM) portal through 6/30/2026.

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 Status	Date	Credit Score	Bureau	Credit Limit
Approved	02/06/2023	748	Experian	$3,800
Approved	02/06/2023	759	TransUnion	$3,800
Approved	02/06/2023	761	Equifax	$3,800
Approved	10/04/2023	784	Experian	$5,300
Approved	10/04/2023	801	TransUnion	$5,300
Approved	10/04/2023	811	Equifax	$5,300
Approved	03/26/2024	741	TransUnion	$3,800
Approved	03/26/2024	742	Experian	$3,800
Approved	03/26/2024	751	Equifax	$3,800
Approved	09/13/2023	800	Not Provided	$11,600
Approved	01/17/2024	762	TransUnion	$6,800
Approved	10/24/2023	720	Equifax	$8,000
Approved	07/17/2023	790	Equifax	$3,000
Approved	01/17/2023	800	TransUnion	$5,300
Approved	05/10/2024	735	Equifax	$6,800
Approved	07/09/2024	743	Experian	$6,900
Approved	07/09/2024	751	TransUnion	$6,900
Approved	07/09/2024	765	Equifax	$6,900
Denied	05/12/2023	800	Not Provided	---
Denied	05/19/2024	762	Not Provided	---

Wells Fargo Active Cash® Card

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Our Rating: 4.9

★★★★★☆

Wells Fargo Active Cash® Card

Welcome Offer

Earn a $200 cash rewards bonus

Est. Value

$200

Annual Fee

APR

19.24%, 24.24% or 29.24% 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 12 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 Status	Date	Credit Score	Bureau	Credit Limit
Approved	09/18/2024	758	Equifax	$10,000
Approved	09/18/2024	772	TransUnion	$10,000
Approved	09/18/2024	780	Experian	$10,000
Approved	09/21/2024	796	Experian	$30,000
Approved	02/09/2024	723	Not Provided	$8,000

Chase Freedom Flex®

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Our Rating: 4.7

★★★★★☆

Chase Freedom Flex®

Welcome Offer

$200

Est. Value

$200

Annual Fee

APR

19.49% to 28.24% 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.

All information about Chase Freedom Flex® has been collected independently by allCards.com. Chase Freedom Flex® is no longer available through allCards.com.

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 Status	Date	Credit Score	Bureau	Credit Limit
Approved	04/02/2023	741	TransUnion	$14,000
Approved	04/02/2023	748	Experian	$14,000
Approved	08/02/2023	800	Not Provided	$19,000
Approved	10/24/2023	800	Not Provided	$8,600
Approved	09/03/2023	795	Experian	$22,500
Approved	09/03/2023	847	TransUnion	$22,500
Approved	07/08/2024	800	Not Provided	$23,000
Approved	06/02/2023	789	TransUnion	$12,000
Approved	06/02/2023	791	Experian	$12,000
Approved	04/12/2024	772	Not Provided	$20,000
Denied	07/16/2024	780	Experian	---

U.S. Bank Smartly™ Visa Signature® Card

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Our Rating: 4.8

★★★★★☆

U.S. Bank Smartly™ Visa Signature® Card

Welcome Offer

None

Est. Value

None

Annual Fee

APR

18.49% to 28.74% Variable

Credit Req’d

Good to Excellent 670 – 850

Rewards: Earn an unlimited 2% cash back on every purchase, plus earn up to an additional 2% cash back when paired with a U.S. Bank Savings account.

The U.S. Bank Smartly™ Visa Signature® Card is the newest member of the U.S. Bank credit card family. It features a tiered cash back system–how much cash back you earn depends on how much money you keep in a U.S. Bank savings account. This makes this card a great choice for those who bank with U.S. Bank already. There is no welcome offer, but it doesn’t have an annual fee.

2% cash back

All eligible purchases

Earn unlimited 2% cash back on all purchases

2.5% cash back

All eligible purchases

3% cash back

All eligible purchases

4% cash back

All eligible purchases

Pros

No annual fee
Up to 4% cash back

Cons

No welcome bonus
Foreign transaction fee
High APR
Requires good credit

App Status	Date	Credit Score	Bureau	Credit Limit
Approved	11/14/2024	813	TransUnion	$25,000
Approved	11/14/2024	823	Experian	$25,000
Approved	11/14/2024	841	Equifax	$25,000
Approved	11/11/2024	800	Equifax	$15,000
Approved	11/11/2024	756	Experian	$2,000
Approved	11/11/2024	757	Equifax	$2,000
Approved	11/11/2024	761	TransUnion	$2,000
Approved	11/13/2024	771	TransUnion	$2,000
Approved	11/11/2024	770	Experian	$15,000
Approved	11/11/2024	789	TransUnion	$15,000
Approved	11/11/2024	800	Equifax	$15,000
Approved	11/14/2024	817	TransUnion	$15,000
Approved	11/12/2024	800	Not Provided	$17,000
Approved	11/14/2024	800	Not Provided	$15,000

Bank of America® Customized Cash Rewards Credit Card

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Our Rating: 4.4

★★★★★☆

Bank of America® Customized Cash Rewards Credit Card

Welcome Offer

$200

Est. Value

$200

Annual Fee

APR

18.74% to 28.74% 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 Status	Date	Credit Score	Bureau	Credit Limit
Approved	01/23/2024	748	Experian	$19,000
Approved	03/06/2023	679	Experian	$10,000
Approved	03/06/2023	699	Equifax	$10,000
Approved	03/06/2023	713	TransUnion	$10,000
Approved	03/06/2023	665	Experian	$4,000
Approved	11/29/2023	764	Experian	$10,000
Approved	02/02/2024	800	Not Provided	$24,000
Approved	07/10/2023	802	Experian	$24,000
Approved	03/01/2024	720	Experian	$500
Approved	12/26/2023	715	Experian	$14,000

Citi^® Diamond Preferred^® Card

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Our Rating: 3.6

★★★★☆☆

Citi^® Diamond Preferred^® Card

Welcome Offer

0% Intro APR for 21 months on balance transfers

Est. Value

None

Annual Fee

APR

17.24% – 27.99% 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 Status	Date	Credit Score	Bureau	Credit Limit
Approved	10/15/2022	721	Not Provided	$7,600
Approved	11/18/2022	763	Experian	$9,000
Approved	11/18/2022	766	Experian	$9,000
Approved	11/18/2022	787	Equifax	$9,000
Approved	11/18/2022	802	Equifax	$9,000
Approved	04/13/2023	777	TransUnion	$13,100
Approved	04/13/2023	781	Experian	$13,100
Approved	04/21/2023	676	Equifax	$1,000
Approved	04/21/2023	709	Experian	$1,000
Approved	04/21/2023	715	TransUnion	$1,000
Approved	01/11/2023	720	Equifax	$8,900
Approved	02/15/2023	734	Experian	$1,000

U.S. Bank Cash+® Visa Signature® Card

Learn More

Our Rating: 4.8

★★★★★☆

U.S. Bank Cash+® Visa Signature® Card

Welcome Offer

$200 bonus

Est. Value

$200

Annual Fee

APR

18.49% to 28.74% 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 Status	Date	Credit Score	Bureau	Credit Limit
Approved	09/01/2023	780	Not Provided	$10,000
Approved	02/06/2023	778	Experian	$10,000
Approved	02/06/2023	809	Equifax	$10,000
Approved	02/06/2023	820	TransUnion	$10,000
Approved	01/11/2024	797	Experian	$17,000
Approved	09/21/2023	800	Experian	$500
Approved	01/09/2023	809	Experian	$9,000
Approved	10/21/2024	810	Not Provided	$10,000
Approved	08/05/2023	749	Not Provided	$500
Approved	08/05/2023	803	Not Provided	$500
Approved	08/05/2023	808	Not Provided	$500
Approved	08/05/2023	829	Not Provided	$500
Approved	06/19/2023	663	TransUnion	$600
Approved	04/24/2024	838	TransUnion	$20,000
Approved	05/30/2023	744	Experian	$6,500
Approved	05/30/2023	752	Equifax	$6,500
Approved	05/30/2023	772	TransUnion	$6,500
Denied	10/02/2023	791	Experian	---
Denied	10/02/2023	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!

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

The Platinum Card® from American Express

Capital One Venture X Rewards Credit Card

American Express® Gold Card

Citi Strata Premier® Card

Chase Sapphire Reserve®

Chase Sapphire Preferred® Card

Citi® Double Cash Card

U.S. Bank Smartly™ Visa Signature® Card

Blue Cash Preferred® Card from American Express

Chase Freedom Unlimited®

Citi Custom Cash® Card

Wells Fargo Active Cash® Card

Chase Freedom Flex®

U.S. Bank Smartly™ Visa Signature® Card

Bank of America® Customized Cash Rewards Credit Card

Citi® Diamond Preferred® Card

U.S. Bank Cash+® Visa Signature® Card

How to Choose a Credit Card for Very Good Credit

Frequently Asked Questions (FAQ)

Which credit cards give the highest limits?

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

Should I try to get my credit score over 800?

Summary

Citi^® Double Cash Card

Citi^® Diamond Preferred^® Card