Best credit cards for good credit of December 2024

PROS:

• Travelers are sure to love that the 60,000 bonus points new cardholders can earn are worth $750 in travel through Chase Travel. That's huge!
• Receive a $50 hotel credit annually for a stay booked through Chase Travel.
• Baggage delay insurance. If your luggage winds up in some faraway land, and you don't see it for more than six hours, you'll get reimbursed up to $100 a day for five days. After day six, though, you're on your own.

CONS:

• If your expenses are all over the place, this might not be the card for you as its bonus rewards categories are largely related to travel.
• This card charges a AnnualFees annual fee.

*Scores above reflect the results of surveys with actual cardholders. Full methodology below.

PROS:

• The cash-back rewards don't expire - unless you close the account. But as long as it is open, you can hang onto those rewards as long as you want.
• Some nice perks, including car rental insurance, roadside assistance and extended warranty.
• Your cash back accumulates as Chase Travel, which means you can combine rewards from this no-annual fee card with a Chase premium card to maximize your earning and your value.

CONS:

• Traveling internationally or shopping in foreign currency? Maybe you best leave this card behind. There are foreign transaction fees to consider.
• The rewards structure isn't simple. Sure, you'll earn at least 1.5% cash back, but to truly get the most from this card, you'll want to think about how and when you use it.

*Scores above reflect the results of surveys with actual cardholders. Full methodology below.

PROS:

• This is a fantastic card for anyone who spends heavily on groceries thanks to 6% cash back earned on U.S. supermarket purchases (up to $6,000 annually, then 1%).
• Not only does this card earn bonus rewards on select U.S. streaming services, but it can help you save in other ways on streaming purchases like $84 Disney Bundle credit: with your enrolled Blue Cash Preferred Card, spend $9.99 or more each month on an auto-renewing Disney Bundle subscription, to receive a monthly statement credit of $7. Valid only at Disney Plus.com, Hulu.com or Plus.espn.com in the U.S.
• There is a nice introductory offer of 0% APR on purchases and balance transfers for the first 12 months after card activation. After that, the rate is RegAPR, based on your creditworthiness.

CONS:

• If you eat out more than you cook at home, this might not be the best card for you.
• You'll also want to take note that there's a foreign transaction fee of 2.7%, which is better than 3% that a lot of cards have. That said, a lot of credit cards have no foreign transaction fee.

*Scores above reflect the results of surveys with actual cardholders. Full methodology below.

PROS:

• There are a lot of excellent everyday rewards-earning opportunities here, so you can rack up a bank of ThankYou® Points pretty quickly.
• Receive $100 off a single hotel stay of $500 or more each calendar year.
• There are no foreign transaction fees to worry about, so you can save money if you travel abroad.

CONS:

• Keep in mind the annual fee; the $100 hotel credit would more than offset that, though, if you're able to take advantage.
• There are a number travel partners to which you can transfer your rewards, but they aren't necessarily the most popular ones out there. Take a look to ensure you can use those partners or that you'll still get good value with your rewards.

*Scores above reflect the results of surveys with actual cardholders. Full methodology below.

PROS:

• If you can afford to pay for a rental car in another country, this card has no foreign transaction fees.
• Another nice perk to keep in mind is an application fee refund of up to $120 for your Global Entry or TSA PreCheck application, a perk normally reserved for credit cards with much higher annual fees.

CONS:

• You may find the list of airlines that the card partners with lacking. Not a lot of big American airline names.
• The $95 annual fee is reasonable but may be off-putting for someone who doesn't regularly travel.

*Scores above reflect the results of surveys with actual cardholders. Full methodology below.

PROS:

• This card makes date night a lot more exciting with 3% cash back on dining AND entertainment purchases.
• Enjoy rewards even when you decide to cook thanks to 3% earned on grocery purchases, too.

CONS:

• Outside of dining, groceries, streaming and entertainment, this card only rewards 1% cash back. If you spend heavily in other categories, you might want to consider a card with more bonus options.
• This card offers intro 0% APR on purchases and balance transfers for the first 15 months of membership (balance transfer fee applies). This is a great perk, but just be aware that once this introductory period expires, regular RegAPR APR will apply. This isn't really a con, per se, but definitely something to be aware of.

*Scores above reflect the results of surveys with actual cardholders. Full methodology below.

PROS:

• An excellent cash-back rewards card with an excellent introductory balance transfer offer of 18 months no interest on balance transfers (then, RegAPR). That's tough to beat.
• A card that rewards you for paying off your card balance is a winning card in our book. That rewards structure should incentize you to keep paying your balance in full.
• The simplicity with the rewards structure is excellent for the "set it and forget it" cardholder. Know that you can effectively earn 2% back each time you use your card (1% when you buy and another 1% when you pay for your purchase).

CONS:

• There's are foreign transaction fees to consider, so leave this behind when you head out for a trip abroad.
• While the intro balance transfer offer is great, it does come with a balance transfer fee. Make sure you take that into account as you make your transfer decisions.

*Scores above reflect the results of surveys with actual cardholders. Full methodology below.

PROS:

• Earn 20,000 bonus ThankYou® Points after making $1,500 in purchases within the first three months. Plus, as a special offer, earn a total of 5 ThankYou® Points per $1 spent on hotel, car rentals and attractions booked on CitiTravel.com through December 31, 2025.
• With this card you're able to rack up points fast as it essentially rewards points in increments of 10. You'll earn two points for every dollar spent at supermarkets and gas stations (up to $6,000 in purchases each year) and one point for every dollar spent on all other eligible purchases. However, since Citi rounds up points on every purchase to the next highest 10, you'll get a bit more than that.
• Since this card's awards accumulate as ThankYou® Points, you can use your rewards for travel, cash back or a number of other redemption options.

CONS:

• This isn't a great option for regular international travelers as it charges a fee on foreign transactions.
• Be aware of the balance transfer fee: BalanceTransferFees

*Scores above reflect the results of surveys with actual cardholders. Full methodology below.

PROS:

• This card has a special app designed just for Ink cardholders, which means you'll get small business credit card tools, such as the ability to save receipts in the app and update employee spend limits.
• Car rental insurance is one of the many perks with this card. If you pay for car rental with this credit card, and somebody sideswipes your car, or worse, steals it, the card offers primary coverage.
• Purchase protection is another nice perk. So let's say you buy an item with your Ink card, and it's banged up or even stolen (maybe along with your rental car), you could be covered up to $10,000 per claim (up to $50,000 per account).

CONS:

• Not every business buys office supplies and spends a ton of internet-cable-phone services. If your business doesn't pay much for your communications, and you simply don't buy many printer cartridges, computer paper and so on, you may want to look at other business credit cards.
• It's not the best business card for an international business trip, thanks to the 3% foreign transaction fee.

*Scores above reflect the results of surveys with actual cardholders. Full methodology below.