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Best Card for good credit

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Anonymous
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Best Card for good credit

Good evening fellow members
I have some really great cards with high limits. To those with a 720 + score which card is truly the best
Appreciate feedback
Message 1 of 7
6 REPLIES 6
Anonymous
Not applicable

Re: Best Card for good credit

Chase Sapphire Reserve in case that wasn't obvious Smiley Wink
Message 2 of 7
Anonymous
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Re: Best Card for good credit

Credit One Platinum Visa
Message 3 of 7
Anonymous
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Re: Best Card for good credit

Totally depends on what you define as best. Rewards, rate?  

Message 4 of 7
AverageJoesCredit
Legendary Contributor

Re: Best Card for good credit

Another subjective post. One mans CSR can easily become one man's Discover. Some people with 720+ credit can and do get cards that supposedly are for average to good credit but make them work for their profile. At the end of the day, being more dpecific will greatly enhance the rrplies because as working asked, are you looking to travel, get cash back, or have low apr. It can make a differenceSmiley Wink
Message 5 of 7
MrDisco99
Valued Contributor

Re: Best Card for good credit

The best card is the one that you personally gain the most benefit from.  There is no "best" card for everyone.

 

Some people will say CSR or Amex Plat because they're expensive and have expensive perks.  But if you don't already travel a lot, those cards will be more of a burden than a benefit.  You might gain more benefit from a card that earns points in more broad categories like an Amex EDP or from a co-branded card from a brand you use a lot or from straight cash back cards.  Everyone is different.

Those premium cards are really not an indication of your credit score.  You actually don't need a very high score or income to get them.  They're more an indication of how much you spend.  The perk of having good credit is not to get that one trendy card that everyone is talking about.  It's so you can get whatever card you want.

Message 6 of 7
K-in-Boston
Epic Contributor

Re: Best Card for good credit

Most prestigious to me would be the American Express Centurion card or the J.P. Morgan Reserve card. Unless you travel very frequently and/or have quite extensive assets, those are not going to be the best cards for you.  Like others said, it's a subjective question.  For some it might be the Chase Ritz-Carlton card because it's metal and weighs half a kilo LOL, for others it might be the Citi Double Cash for its easy across-the-board 2% cash back without needing any other banking/asset relationship, for some (like me) it may be combinations of cards that can work together to pool the most points in your preferred rewards program.  So many possibilities!

 

With a 720, you have a decent shot at pretty much any card that you can directly apply for.  What do you value most from a credit card?  Cash back?  Hotel points?  Airline miles?  Travel perks?  Simplicity or maximizing reward value by putting in work?

Message 7 of 7
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