Best credit cards for good credit of March 2023

Pros

• Claim cash back at any amount at any time with this card.
• There are zero percent intro offers on both purchases and balance transfers for 15 months (then 19.24 percent to 29.24 percent variable APR and 3 percent fee on the amounts transferred within the first 15 months).

Cons

• Walmart, Target and wholesale clubs like BJ’s and Sam’s Club do not count for grocery store purchase rewards.
• Capital One has a list of eligible streaming services you can earn rewards on that excludes some popular features like Prime Video.

Pros

• This card offers a 15-month introductory APR period for purchases and balance transfers, then a low 16.49 percent to 27.49 percent variable APR after that.
• Discover will automatically match all the cash back you've earned at the end of your first year.

Cons

• The rotating bonus categories require quarterly enrollment, which can be a hassle for cardholders.
• Cardholders can’t transfer rewards to other loyalty programs.

Pros

• This card offers one of the best cash back rates on spending at U.S. supermarkets, making it ideal for people with substantial grocery budgets.
• The intro APR offers on both balance transfers and purchases is lengthy, saving you on interest for a little over a year.

Cons

• Superstores like Walmart and Target don’t count as U.S supermarkets for the bonus categories.
• There is a $6,000 yearly cap for 3 percent cash back, then it drops to 1 percent

Pros

• Your lower-tier rewards earning potential with this card is unlimited.
• The card offers a generous welcome bonus: 75,000 miles (worth roughly $1,500 based on Bankrate’s value estimations) when you spend $4,000 within the first three months of account opening.

Cons

• The card doesn't offer an introductory APR period, so you won’t get any breaks on added interest charges if you carry a balance.
• It has a $95 annual fee, which might eat into your rewards earnings.

Pros

• Receive a $50 allowance toward car detailing services at a participating GM dealer per calendar year.
• Your rewards won’t expire as long as your account is active and in good standing.

Cons

• The zero-percent intro APR offer on purchases is shorter than some, at only 12 months (then 19.49 percent to 29.49 percent variable).
• Redemption options are fairly limited outside of GM-related purchases.

Pros

• It offers elevated earning rates on a variety of family-focused and everyday categories.
• Comes with shopping and travel protections, including return protection for purchases worth up to $300 even if the merchant doesn’t allow returns.

Cons

• To make up for the $95 annual fee, you’ll need to spend at least $1,590 per year at U.S. supermarkets.
• Other cards have potentially lower APRs for users with good credit.

Pros

• The card offers flexible cash back redemption options.
• The Cashback Match™ program will match all the cashback you earn at the end of your first year.

Cons

• The balance transfer fee (3 percent during the intro period, then up to 5 percent) is high.
• The card caps the 2 percent cash back categories at $1,000 in spending quarterly.

Pros

• Cardholders earn 1.5 percent unlimited cash back on purchases every time they make a payment.
• Cardholders with excellent credit have the opportunity for a very low APR rate.

Cons

• No introductory APR rates causes this card to fall short among some competing cards.
• The card's 14.99 percent to 29.99 percent APR might come out on the high side, depending on your credit score.

Pros

• The elevated cash back rewards rate is generous when compared to similar cards.
• The bonus categories on this card are geared especially toward tech-savvy consumers, rewarding purchases on internet service, cell service and cable.

Cons

• The card doesn’t offer a 0 percent introductory APR rate.
• The 28.24 percent variable APR is high for a credit card designed for people with good credit.