Good credit (670-739) opens the door to some fantastic credit card offers. Whether you're looking for cash back or low rates, compare the best offers from our partners and find the right card for you. For even more options be sure to check out our top credit cards this month.
See the best credit card offers for people with good credit from our partners below.
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Updated: April 19, 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.
We analyzed more than 1,400 credit cards on where good credit is needed to get approved and evaluated them on such criteria as: rates and fees, rewards, redemption options, customer service, and other benefits. Below are our best cards for good credit along with factors to consider in your decision and tips to improve your credit score even more. Here, we look at:
Learn more about how to build credit and the benefits of good credit.
|Best For:||Card||CreditCards.com Rating||Annual Fee||Reward Rate|
|Hotels||Capital One® Venture® Rewards Credit Card||4.4 / 5||$0 first year, then $95||2x miles on every purchase, 10x miles on purchases at hotels.com/venture|
|Everyday Spending||Blue Cash Everyday® Card from American Express||3.3 / 5||$0||3% at US supermarkets (up to $6,000 per year), 2% at US gas stations and select US department stores, 1% everywhere else|
|Low Interest||Discover it® Cashback Match™||4.1 / 5||$0||Enroll every quarter to earn 5% cash back on up to $1,500 in purchases made in various categories throughout the year|
|Simple Travel Rewards||Capital One® VentureOne® Rewards Credit Card||3.6 / 5||$0||1.25 miles per dollar on every purchase|
|Bonus Cash||Chase Freedom Unlimited®||3.6 / 5||$0||1.5%|
|Bonus Rewards on Groceries||The Amex EveryDay® Credit Card from American Express||3.7 / 5||$0||2x points at US supermarkets, on up to $6,000 per year in purchases; 1X points on other purchases|
|No Annual Fee||Wells Fargo Platinum Visa® Card||N/A||$0||N/A|
|Flat-rate Cash Back||Capital One® Quicksilver® Cash Rewards Credit Card||3.5 / 5||$0||1.5%|
|Balance Transfers||Chase Slate®||3.8 / 5||$0||N/A|
|Anniversary Bonus||HSBC Cash Rewards Mastercard® credit card||N/A||$150||1.5% cash rewards on every purchase|
Credit cards for good credit analyzed: 1,478
Criteria used: Credit needed, rewards rates, rewards categories, sign-up bonuses, redemptions, customer service, ability to move credit line, credit score tracking, annual fee, other rates and fees, application process, other benefits and features
A "good credit" FICO score is 670-739 out of a range of 300-850, with 850 as the best. With the same scale, a good VantageScore is 700-749.
With good credit, you can enjoy not only better lending products but lower insurance rates, improved rental options and even better job opportunities. With bad credit, higher interest rates, loan rejections and credit cards with inferior rewards can come your way.
Pay attention to your good credit, because within a month, your score can take a hit because of one misstep. In fact, it can take considerably less time to drop your score than to improve it. By paying on time and in full each month, you are addressing 65% of your FICO score.
Here are the score ranges for FICO, the dominant scoring model, and VantageScore, which you can access for free on creditcards.com.
|FICO Category||FICO Score||VantageScore Category||VantageScore|
As confident as we feel about our credit, studies show our abilities and knowledge often don't match our perceptions.
For example, Experian found that while 71% of millennials feel confident about their credit knowledge, 32% don't know their credit scores. Also, while they think their generation's debt stands at an average of $26,600, it actually averages almost double that, at $52,200.
Add to that, credit cards lead the pack of millennial debt, not student loans, as might be expected:
Source: Experian millennial credit survey
Cards for good credit often offer excellent rewards, can have superior balance transfer options and are great for building credit. Although cards for excellent credit offer more options, a variety of cards are available for good credit. Here are 4 types of cards, with cards for good credit and no annual fee.
|Type of card||Card||Features|
|Balance transfer||Chase Slate||0% intro APR for 15 mths/purchases & balance transfers (then 16.24% - 24.99% Variable); no BT fee if BT within 60 days|
|Cash back||Blue Cash Everyday||3% back on U.S. supermarkets up to $6,000; 2% back on U.S. gas stations, select U.S. department stores; $150 bonus/$1,000 spend in 3 mths (Terms Apply)|
|Cash back, rotating categories||Discover it Cashback Match||Enroll every quarter to earn 5% cash back on up to $1,500 in purchases made in rotating categories throughout the year; match cash back at end of first year|
|Travel||Capital One VentureOne Rewards||20,000 miles/$1,000 spend in 3 mths; 1.25X miles on every purchase|
While cards for good credit may be slightly more limited in choice than those for excellent credit, there are still some great options, as you can see. Not sure if a card for good credit is right for you? Here are the benefits and limitations of cards with good credit:
|Benefits of cards for good credit||Limitations of cards for 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|
Good credit simply means that your score, generated by a scoring model, such as VantageScore or FICO, is high enough that you can benefit from better financial products. The scoring models look at several factors in an effort to ascertain whether you are a good credit risk. The higher your score, the less risk you are for the lender.
Here are the primary factors scoring models look at:
From dating to getting an apartment, it's almost impossible to function in today's world without credit, unless you live off the grid. Here are 7 reasons why you should care about your credit score:
From generous sign-up bonuses to great balance transfer offers, cards for good credit abound. Compare the cards you are interested in to decide which has the best options for you. Look at:
|Card||Annual fee||Sign-up bonus||Point valuation|
|Capital One Venture Rewards||$95, waived first year||50,000 miles/$3,000 spend in 3 mths||1:1|
|Capital One VentureOne Rewards||$0||20,000 miles/$1,000 spend in 3 mths||1:1|
|Amex Everyday||0% intro APR for 15 months, BT & purchases||14.49%-25.49%, variable||10,000 points bonus/$1,000 spend in 3 mths; no BT fee within first 60 days; 2X points at U.S. supermarkets up to $6,000|
|Discover it Cashback Match||0% intro APR for 14 months, BT & purchases||13.49%-24.49%, variable||Enroll every quarter to earn 5% cash back on up to $1,500 in purchases made in rotating categories throughout the year; match cash back at end of first year|
|Chase Slate||0% intro APR for 15 months, BT & purchases||16.24%-24.99%, variable||No BT fee within first 60 days|
|Capital One Quicksilver Cash Rewards||0% intro APR for 9 months, BT & purchases||14.49%-24.49%, variable||$150 bonus/$500 spend in 3 mths; 1.5% back on every purchase|
Credit bureau Experian studied data from scoring model FICO and found that 21.5% of consumers have good credit and 18.2% of consumers have very good credit. Americans with exceptional scores make up 19.9% of the population.
But what do those scores mean for you? Here, we look at the percentage of people with each scoring range and what that score means for them.
|Credit Score||Rating||% of People||Impact|
|300-579||Poor||17%||Credit applicants may be required to pay a fee or deposit, and applicants with this rating may not be approved for credit at all.|
|580-669||Fair||20.2%||Applicants with scores in this range are considered to be subprime borrowers.|
|670-739||Good||21.5%||Only 8% of applicants in this score range are likely to become seriously delinquent in the future.|
|740-799||Very Good||18.2%||Applicants with scores here are likely to receive better than average rates from lenders.|
|800-850||Exceptional||19.9%||Applicants with scores in this range are at the top of the list for the best rates from lenders.|
Source: FICO data, from Experian
A surprising number of Americans misunderstand what it takes to build a good credit score.
In one Bankrate poll, it was found that 51% believe that accounts with high balances help your score, when actually, high card balances can negatively impact your score. Also, 37% thought you need a balance to build your score. Actually, you want as close to 0% as possible, but you also want to keep the account active with a charge that you pay off each month.
Here's what the Bankrate poll shows:
Source: Bankrate Money Pulse survey
Building good credit takes patience and determination, but even the thinnest of files can be improved within a few months.
The easiest and fastest way to build credit is with a credit card – but it's important to make sure you use it responsibly. That means paying in full and on time each month. Here are some tips on how to build good credit:
In some ways, maintaining good credit is more difficult than building because one false step can drive your score down to the next tier. Here are a few tips for maintaining your credit:
It takes at least 3 months of credit activity before a credit score can be calculated, and sometimes 6 months, according to Experian's Rod Griffin.
You need at least one credit account to have a credit file. When you don't have much credit to speak of, that's called having a thin file. With good habits (pay on time and in full each month), you can build your credit score within months.
Rebuilding? It can take anywhere from a few months to years, depending on what's on your credit file. Large debts, collections, bankruptcies – all of those weigh more heavily than one or two late payments.
The difference between good and excellent credit can be the difference between good and great rewards, nice and amazing balance transfer offers, and pretty great and outstanding benefits. You can also get better interest rates, lower insurance rates and other financial advantages.
Once your score hits about 750, know that things start to slow down in terms of score improvement. But there are a few tricks to help your score achieve its best. Here, we look at a few quick tips for maximizing your score and landing an 800 or better.
Superior credit opens up the possibilities in terms of better rates and saved money. Once you have excellent credit, there are a few things you'll want to take care of:
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