Good credit (670-739) opens the door to some fantastic credit card offers. Whether you're looking for cash back or low rates, compare offers from our partners and find the best card for you. For even more options be sure to check out the top credit cards this month from our partners.
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Updated: February 9, 2018
Good credit is your reward for all those months of on-time payments and other terrific credit habits. However, one or two wrong steps can cause your score to drop quickly. That’s why it’s important to understand the nuances of credit and how good credit can reward all that hard work. Here, we look at:
Learn more about how to build credit and the benefits of good credit:
The credit score range for good credit with FICO is 670-739 on a scale of 300-850, with 850 as the best. FICO is the dominant scoring model and is used by most lenders to assess your creditworthiness. Check out the table below to see the other credit score tiers from two major scoring models, FICO and VantageScore:
|Benefits of Good Credit||Limitations of Good Credit|
|More choices than bad, fair||Fewer choices than excellent credit|
|Don't have to pay a security deposit||May not get a luxury card|
|Fees may be better than cards for bad, fair credit||May need to pay annual fee for greater rewards|
|Best For||Card||Annual Fee||Reward Rate|
|Best for Gas and Groceries||Blue Cash Preferred® Card from American Express||$95||6% on groceries (up to $6,000 per year), 3% on gas and select department stores, 1% everywhere else|
|Best for Everyday Spending||Blue Cash Everyday® Card from American Express||$0||3% on groceries (up to $6,000 per year), 2% on gas and select department stores, 1% everywhere else|
|Best for Low Interest||Discover it® Cashback Match™||$0||5% cash back on rotating quarterly categories, cash back match from Discover at the end of your first year|
|Best for Hotels||Capital One® Venture® Rewards Credit Card||$0 first year, then $95||2x miles on every purchase, 10x miles on purchases at hotels.com/venture|
|Best for Simple Travel Rewards||Capital One® VentureOne® Rewards Credit Card||$0||1.25 miles per dollar on every purchase|
|Best for Bonus Cash||Chase Freedom Unlimited®||$0||1.5% cash back on every purchase|
|Best for Cash Back||Chase Freedom®||$0||5% if in quarterly category, 1% otherwise|
|Best for Balance Transfer||Chase Slate®||$0||N/A|
|Best for Membership Rewards®||The Platinum Card® from American Express||$550||5x points on flights and hotels booked through Amex Travel site|
|Best for No Annual Fee||Wells Fargo Platinum Visa® Card||$0||N/A|
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