Credit Cards For Good Credit

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.

See offers from our partners below.

HSBC Gold Mastercard® credit card

Apply Now Credit Needed
Good/Excellent
  • 0% Intro APR on purchases and balance transfers for the first 18 months from account opening. Then a variable APR of 12.24%, 16.24% or 20.24% will apply.
  • No Penalty APR.
  • Late Fee Waiver.
  • No Foreign Transaction Fees.
  • $0 Annual Fee.
  • $0 liability for unauthorized purchases.
  • Terms Apply.
Apply Now at HSBC's
secure site
Purchases Intro APR
0% Intro APR for 18 months
Balance Transfers Intro APR
0% Intro APR for 18 months
Regular APR
Variable APR of 12.24%, 16.24% or 20.24%
Annual Fee
$0
Credit Needed
Good/Excellent
See Rates & Fees

Southwest Rapid Rewards® Plus Credit Card

Southwest Rapid Rewards® Plus Credit Card

1,163 customer reviews

Apply Now Credit Needed
Excellent Credit
  • Earn 50,000 points after you spend $2,000 on purchases in the first 3 months your account is open.
  • 3,000 bonus points after your Cardmember anniversary
  • 2 points per $1 spent on Southwest® purchases and Rapid Rewards® Hotel and Car Rental Partner purchases
  • 1 point per $1 spent on all other purchases
  • Earn unlimited points that don't expire as long as your card account is open
  • No blackout dates or seat restrictions
  • Bags fly free® and no change fees
  • Redeem your points for flights, hotel stays, gift cards, access to events and more
Apply Now at Chase's
secure site
Purchases Intro APR
N/A
Balance Transfers Intro APR
N/A
Regular APR
17.24% - 24.24% Variable
Annual Fee
$69
Credit Needed
Excellent Credit

Discover it® Miles

Discover it® Miles

322 customer reviews

Apply Now Credit Needed
Excellent/Good
  • We'll match all the Miles you've earned at the end of your first year. For example, if you earn 30,000 Miles, you get 60,000 Miles.
  • Unlimited 1.5x Miles per dollar on all purchases, every day, with no annual fee.
  • No Blackout Dates - fly any airline, stay at any hotel.
  • Redeem your Miles as a statement credit towards travel purchases.
  • Freeze your account in seconds with an on/off switch either on the mobile app or website to prevent new purchases, cash advances, and balance transfers.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Receive Free Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • No Annual Fee.
Apply Now at Discover's
secure site
Purchases Intro APR
0% for 14 months
Balance Transfers Intro APR
10.99% for 14 months
Regular APR
13.24% - 24.24% Variable
Annual Fee
$0
Credit Needed
Excellent/Good
See Rates & Fees

NHL® Discover it® Card

Apply Now Credit Needed
Excellent/Good
  • Choose your favorite team & show your pride – all 31 teams available. Save 10% at Shop.NHL.com and NHL.TV™.
  • Intro Offer: Discover will match all the cash back earned at the end of your first year, automatically.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate.
  • Plus, 1% cash back on all other purchases.
  • Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Receive Free Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • No annual fee.
Apply Now at Discover's
secure site
Purchases Intro APR
0% for 14 months
Balance Transfers Intro APR
0% for 14 months
Regular APR
13.24% - 24.24% Variable
Annual Fee
$0
Credit Needed
Excellent/Good
See Rates & Fees

USAA Preferred Cash Rewards Visa Signature®

Apply Now Credit Needed
Good/Excellent
  • Earn 1.5% cash back on every purchase
  • There's no limit on the amount you can earn
  • Redeem your rewards anytime online or with the USAA Mobile App.
  • USAA membership is available to active and former military and their eligible family members
Apply Now at USAA's
secure site
Purchases Intro APR
N/A
Balance Transfers Intro APR
N/A
Regular APR
13.15%-27.15% (Variable)
Annual Fee
$0
Credit Needed
Good/Excellent

Starwood Preferred Guest® Credit Card from American Express

Apply Now Credit Needed
Excellent/Good
  • Earn 25,000 Starpoints® after you use your new Card to make $3,000 in purchases within the first 3 months.
  • Earn 2 Starpoints® for each dollar of eligible purchases spent at participating SPG® & Marriott Rewards® hotels. Earn 1 Starpoint for all other purchases.
  • No Foreign Transaction Fees on International purchases.
  • Redeem Starpoints® at over 1,300 participating hotels and resorts in over 100 countries and for flights on more than 150 airlines with SPG flights, all with no blackout dates.
  • $0 introductory annual fee for the first year, then $95.
  • Planning a road trip? Rent your car, fill up your tank, book your hotel, and pay for it with your American Express® Card.
  • Terms Apply.
Apply Now at American Express's
secure site
Terms Apply
Purchases Intro APR
N/A
Balance Transfers Intro APR
N/A
Regular APR
16.49%-20.49% Variable
Annual Fee
$0 introductory annual fee for the first year, then $95.
Credit Needed
Excellent/Good
See Rates & Fees

Indigo® Platinum Mastercard®

Apply Now Credit Needed
Fair Credit
  • Pre-qualification available with no impact to your credit score
  • Previous bankruptcy OK
  • Easy pre-qualification process with fast response
  • Free online account access (mobile friendly)
  • Protection from fraud, if your card happens to be lost or stolen
  • Accepted at over 35 Million Locations Worldwide!
Apply Now at Genesis FS Card Services's
secure site
Purchases Intro APR
N/A
Balance Transfers Intro APR
N/A
Regular APR
23.90%
Annual Fee
$0 - $99
Credit Needed
Fair Credit

Southwest Rapid Rewards® Premier Credit Card

Southwest Rapid Rewards® Premier Credit Card

1,937 customer reviews

Apply Now Credit Needed
Excellent Credit
  • Earn 50,000 points after you spend $2,000 on purchases in the first 3 months your account is open.
  • 6,000 bonus points after your Cardmember anniversary
  • 2 points per $1 spent on Southwest® purchases and Rapid Rewards® Hotel and Car Rental Partner purchases
  • 1 point per $1 spent on all other purchases
  • Earn unlimited points that don't expire as long as your card account is open
  • No foreign transaction fees
  • No blackout dates or seat restrictions, Bags fly free® and no change fees
  • Redeem your points for flights, hotel stays, gift cards, access to events and more
Apply Now at Chase's
secure site
Purchases Intro APR
N/A
Balance Transfers Intro APR
N/A
Regular APR
17.24% - 24.24% Variable
Annual Fee
$99
Credit Needed
Excellent Credit

Milestone® Gold Mastercard®

Apply Now Credit Needed
Good/Fair
  • Quick pre-qualification available with no impact to your credit score
  • Easy pre-qualification process with fast response
  • Choose your custom card design - Free
  • Free online account access
  • Protection from fraud, if your card happens to be lost or stolen
  • Accepted at over 35 Million Locations Worldwide!
  • Previous bankruptcy OK
Apply Now at Genesis FS Card Services's
secure site
Purchases Intro APR
N/A
Balance Transfers Intro APR
N/A
Regular APR
23.90%
Annual Fee
$35-$99 (varies by credit level)
Credit Needed
Good/Fair

USAA Rewards™ American Express® Card

Apply Now Credit Needed
Good/Excellent
  • Earn one point for every dollar spent on your everyday purchases.
  • Earn 2X points per dollar on gas and groceries with no caps.
  • Get 2,500 bonus points with your first purchase.
  • Redeem points for cash, merchandise, gift cards and more.
  • USAA membership is available to active and former military and their eligible family members
Apply Now at USAA's
secure site
Purchases Intro APR
N/A
Balance Transfers Intro APR
N/A
Regular APR
11.15%-27.15% (Variable)
Annual Fee
$0
Credit Needed
Good/Excellent

Compare Credit Card Offers for Good Credit

Updated: February 9, 2018

Here are the Best Credit Cards for Good Credit in 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:

  • Criteria for good credit
  • What is the Good Credit score range
  • What to do to build credit from good to excellent
  • What to look for in a credit card if you have good credit
  • Benefits and limitations of credit cards for good credit

Learn more about how to build credit and the benefits of good credit:

Criteria for Good Credit

  1. Are you paying on time? This is the most important element of your credit score. One missed payment can drop your score quickly, while it can take months and even years to build your credit.
  2. Are you keeping your balances low? Both FICO and VantageScore want you to keep your balances low, thereby lowering your utilization ratio.
  3. How old is your credit history? Credit scores like it when you have a long history of credit. That’s why it’s a good idea to keep your oldest credit card open and active.
  4. Have you recently applied for new credit? Avoid applying for multiple cards in a short amount of time, because that can negatively impact your score.
  5. Do you have a mix of credit types? One way to give your score a little boost is to take out a small installment loan, such as a car loan or a credit-builder loan.

What is the Good Credit score range?

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:

Credit Score Ranges

FICOScoreVantageScoreScore
Exceptional800-850Excellent750-850
Very Good740-799Good700-749
Good670-739Fair650-699
Fair580-669Poor550-649
Poor300-579Very Poor300-549

What to do to build credit from good to excellent

  • Pay on time. If you have good credit, you are likely already paying in full and on time. Keep it up!
  • Don’t close your old cards. This allows you to continue to have high available credit and to keep building your long-term credit. Put a small charge on them each month, paying them off each month.
  • Take out an installment loan. Installment loans include mortgages, car loans and some credit-builder loans. While you don’t want to incur unnecessary debt, a small installment loan can give your credit score a little nudge.
  • Avoid taking out multiple cards. Stay steady and don’t apply for multiple credit cards at once. While a small part of your credit score, applications can drop it to the next tier in a worst-case scenario. One card application can affect your score by about 5 points, whether you are accepted or not.

What to look for in a credit card if you have good credit

  • Types of cards. With good credit, your options open up tremendously. You can earn 2%, 3%, even 5% back – depending on the category – with a cashback card, or earn points or miles in the 10s of thousands in a travel card’s sign-up bonus.
  • Sign-up bonus. Compare the sign-up bonuses for the cards you are looking at. But be sure to compare apples with apples. For example, is there an annual fee? And what is the actual valuation of the points or miles?
  • Ongoing rewards. Study the points, cash back or miles you would earn when you make purchases on your card.
  • Benefits. Cards that require good or excellent credit often offer benefits such as rental car insurance, free luggage and even annual airline credits.
  • Interest rates. If your priority for your next credit card is a low interest rate, your good credit will help with that. There are a few low-interest cards out there, often available through credit unions, and you can even find them at below 10%.
  • Balance transfer. If you need to transfer a balance to a 0% intro APR, look at the length of the offer, and see if you can pay off the debt before the offer ends.

Benefits and limitations of credit cards for good credit

Benefits of Good CreditLimitations of Good Credit
More choices than bad, fairFewer choices than excellent credit
Don't have to pay a security depositMay not get a luxury card
Fees may be better than cards for bad, fair creditMay need to pay annual fee for greater rewards
Build credit
Excellent rewards

Recap: Our Best Credit Cards for Good Credit

Best ForCardAnnual FeeReward Rate
Best for Gas and GroceriesBlue Cash Preferred® Card from American Express$956% on groceries (up to $6,000 per year), 3% on gas and select department stores, 1% everywhere else
Best for Everyday SpendingBlue Cash Everyday® Card from American Express$03% on groceries (up to $6,000 per year), 2% on gas and select department stores, 1% everywhere else
Best for Low InterestDiscover it® Cashback Match™$05% cash back on rotating quarterly categories, cash back match from Discover at the end of your first year
Best for HotelsCapital One® Venture® Rewards Credit Card$0 first year, then $952x miles on every purchase, 10x miles on purchases at hotels.com/venture
Best for Simple Travel RewardsCapital One® VentureOne® Rewards Credit Card$01.25 miles per dollar on every purchase
Best for Bonus CashChase Freedom Unlimited®$01.5% cash back on every purchase
Best for Cash BackChase Freedom®$05% if in quarterly category, 1% otherwise
Best for Balance TransferChase Slate®$0N/A
Best for Membership Rewards®The Platinum Card® from American Express$5505x points on flights and hotels booked through Amex Travel site
Best for No Annual FeeWells Fargo Platinum Visa® Card$0N/A

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* For additional rates, fees and costs see issuer's website for detailed pricing and terms.