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: May 23, 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|
|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|
|Flat-rate Cash Back||Chase Freedom Unlimited®||3.4 / 5||$0||1.5%|
|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|
|Simple Travel Rewards||Capital One® VentureOne® Rewards Credit Card||3.6 / 5||$0||1.25 miles per dollar on every purchase|
|Anniversary Bonus||HSBC Cash Rewards Mastercard® credit card||N/A||$150||1.5% cash rewards on every purchase|
|No Annual Fee||Wells Fargo Platinum Visa® Card||N/A||$0||N/A|
|Rotating Rewards||Chase Freedom®||3.4 / 5||$0||5% on quarterly rotating categories|
|Bonus Cash||Capital One® Quicksilver® Cash Rewards Credit Card||3.5 / 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|
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
Best for Low Interest
As a credit card with rotating rewards categories that earn 5% cash back, the Discover it Cashback Match is perfect for people who find themselves buying a diverse assortment of goods and services throughout the year. Its most distinguishing feature is the cashback match offer – at the end of your first year, Discover will match all the cash back earnings you accumulated. It also works well as a low interest credit card, although it's always best not to carry a balance on your credit cards.
Bottom Line: The Discover it's low APRs and cashback match feature make up for its lack of a sign-up bonus.
Best for Flat-rate Cash Back
No fuss, no hassle, no annual fee – that's what you get with the Chase Freedom Unlimited. Offering an easily attainable $150 sign-up bonus and a constant 1.5% cash back on all purchases, the CFU is ideal for those who want to forego the bother of keeping track of rotating categories. Cardholders will also enjoy the flexibility in redemption from Chase's Ultimate Rewards portal.
Bottom Line: The Chase Freedom unlimited card is the leader in flat-rate cash back.
Best for Hotels
Consumers with good credit who are looking for their next credit card should mark this on their short list. With its rewards rate of 10x miles per dollar spent at hotels.com/venture, this credit card is perfect for those who travel frequently, whether for business or leisure. The rewards rate on all other purchases is a robust 2x miles per dollar while the sign-up bonus of 50,000 miles is a healthy dollop to jump start your earnings. The Venture card is well worth its $95 annual fee, but waives it for the first year anyway.
Bottom Line: For all your hotel and lodging purchases, look no further than the Capital One Venture.
Best for Everyday Spending
The Blue Cash Everyday shines the brightest when it is used as a daily driver – that is on ordinary purchases like gas and groceries. We say this because of its fantastic 3% cash back at U.S. supermarkets and 2% cash back at U.S. gas stations and select U.S. department stores. All that cash back (plus a respectable $150 welcome bonus) is available at an annual fee of $0.
Bottom Line: The BCE is arguably the strongest no-annual-fee option for your "mundane" purchases.
Best for Simple Travel Rewards
Similar in name and similar in features, the VentureOne is a "lean" version of the Venture card, also from Capital One. Primarily, the flat rewards rate is lower (1.25 instead of 2 miles per dollar), the sign-up bonus is smaller (20,000 miles instead of 50,000 miles), and the annual fee is lower ($0 instead of $95). Luckily, the VentureOne still retains its big brother's best feature: 10x miles per dollar on hotels booked through hotels.com/venture.
Bottom Line: The little brother of the Venture, with lower cost at the expense of lower rewards.
Best for Anniversary Bonus
The HSBC Cash Rewards card finds itself in good company among credit cards that offer unlimited 1.5% cash back and a $150 sign-up bonus. However, it manages to stand out with an offer that few cards can boast: a 10% anniversary bonus on all cash rewards earned throughout the year. In addition to rewarding cardholder loyalty, the HSBC Cash Rewards card can also claim versatility with decent interest rates, protection against unauthorized purchases, no annual fee and no foreign transaction fees.
Bottom Line: A jack of all trades, the HSBC Cash Rewards Mastercard stands out with its 10% anniversary bonus.
Best for No Annual Fee
The Wells Fargo Platinum card is straightforward – it doesn't come with bells and whistles, nor does it charge any annual fee. While there's no sign-up bonus or lucrative cash rewards, it's still great for helping you to build credit which you can monitor with free online access to your FICO credit score. It does offer some nice secondary perks, such as cell phone protection up to $600 if used to pay your monthly phone bill.
Bottom Line: It may not be the flashiest card, but it gets the job done.
Best for Rotating Rewards
Weighing in at $0, the Chase Freedom card offers a nice $150 sign-up bonus and some of the best rewards around. 5% back on different categories each quarter means you have a variety of ways to quickly build up earnings. If there were a Mount Rushmore of quintessential credit cards, the Freedom would make a strong case for inclusion as one of the great faces.
Bottom Line: The Freedom's robust rewards program makes it a must-have.
Best for Bonus Cash
Another fairly straightforward credit card offer, the Capital One Quicksilver lives up to its "Cash Rewards" name. Its largest value propositions are 1.5% cash back on all purchases, a $150 sign-up bonus that's easy to hit, and no annual fee. You'll also never have to worry about foreign transaction fees, making it a solid card to take on trips abroad.
Bottom Line: Straightforward and sweet with flat-rate cash back and a nice sign-up bonus.
Best for Bonus Cash Back on U.S. Supermarkets
The Amex EveryDay card is highly versatile and balanced. Its strength lies in its lengthy 0% intro APR period of 15 months and lower transfer fees, but it also offers some noteworthy rewards. Namely, the 10,000 point welcome bonus and solid rewards rate of 2x points per dollar at U.S. supermarkets (on up to $6,000 per year).
Bottom Line: The Amex EveryDay card strikes an ideal balance between balance transfers and earning rewards.
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 16.49% - 25.24% 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||16.49%-25.24%, variable||No BT fee within first 60 days|
|Capital One Quicksilver Cash Rewards||0% intro APR for 15 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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