Credit Cards For Good Credit

A good credit score is a FICO score between 670 and 739; a VantageScore is between 661 and 780. Having good credit opens the door to some fantastic credit card offers, including sign-up bonuses, high rewards rates and card benefits.

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, check out our top credit cards for 2021.

A good credit score is a FICO score between 670 and 739; a VantageScore is between 661 and 780. Having good credit opens the door to some fantastic credit card offers, including sign-up bonuses, high rewards rates and card benefits.

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, check out our top credit cards for 2021.

Writer: Laura Mohammad | Editor: Mariah Ackary | Reviewed by: Brady Porche


April 1, 2021

Best credit cards for good credit for 2021

  • Blue Cash Everyday® Card from American Express – Best for long low intro APR
  • American Express Cash Magnet® Card – Best for cash back
  • Capital One Quicksilver Cash Rewards for Good Credit – Best for everyday purchases
  • Petal® 2 “Cash Back, No Fees” Visa® Credit Card – Best for no fees
  • Upgrade Visa® Card with Cash Rewards – Best for cash rewards
  • Capital One® Walmart Rewards® Mastercard® – Best for Walmart purchases
  • Capital One VentureOne Rewards for Good Credit – Best for rewards rate
  • Capital One SavorOne Cash Rewards for Good Credit – Best for dining
  • Delta SkyMiles® Gold American Express Card – Best for Delta Airlines
  • Credit One Bank® Platinum Rewards Visa with No Annual Fee – Best for no annual fee
  • Credit One Bank® Platinum Rewards Visa – Best for rewards
  • Southwest Rapid Rewards® Plus Credit Card – Best for Southwest rewards
  • Marriott Bonvoy Bold™ Credit Card – Best for frequent hotel stays
NASCAR® Credit Card from Credit One Bank®

Good to Excellent

Credit Recommended (670-850) credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Apply Now

Rewards Rate

Get Double Cash Back Rewards at the NASCAR Shop, terms apply.
Get 1% Cash Back Rewards on Eligible Purchases*

At A Glance

Intro Bonus
No current offer
Annual Fee
$0 - $99
Regular APR
17.99% - 23.99% variable
Marriott Bonvoy Boundless™ Credit Card

Good to Excellent

Credit Recommended (670-850) credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Apply Now

Rewards Rate

Earn 6X Bonvoy points per $1 spent at over 7,000 hotels participating in Marriott Bonvoy™.
2X Bonvoy points for every $1 spent on all other purchases.

At A Glance

Intro Bonus
75,000 Points

Earn 75,000 Bonus Points after you spend $3,000 on purchases in the first 3 months from account opening.

Annual Fee
Regular APR
15.99% - 22.99% variable

Editorial disclosure: All reviews are prepared by staff. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. The information, including card rates and fees, presented in the review is accurate as of the date of the review. Check the data at the top of this page and the bank's website for the most current information.

All information about Chase Sapphire Preferred® Card has been collected independently by and has not been reviewed by the issuer.

Comparing Credit Card Offers for Good Credit

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 credit cards for good credit

Blue Cash Everyday® Card from American Express

The Blue Cash Everyday is a fine option as a long low intro APR card with the intro APR offer of 0% on purchases for 15 months, then 13.99%-23.99% Variable. Its welcome offer and ongoing rewards are also worth a look. However, while American Express is broadly accepted in the U.S., not so much abroad.

American Express Cash Magnet® Card

If you’re searching for simplicity, look no further. The Cash Magnet offers 1.5% cash back on every purchase. There are certainly more robust offers on the market, but for some, the value lies in being able to earn rewards on any purchase – no categories to keep track of. Plus, there’s a nice little welcome bonus: Earn $150 if you spend $1,000 in the first 3 months. With no annual fee, this is a great “set-and-forget” rewards card.

Capital One Quicksilver Cash Rewards for Good Credit

This card is a good choice for the no-fuss consumer. A flat, unlimited 1.5% cash back on all purchases means that you don’t have to keep track of bonus categories or spending caps. Redemption is easy, too, since your rewards don’t expire and you can redeem at any time for a statement credit, gift card or check. There are certainly higher-earning cash back cards, but the value of this card lies in its simplicity.

Petal® 2 “Cash Back, No Fees” Visa® Credit Card

Here’s a fine option: The Petal 2 offers no foreign transaction fee, no annual fee and no late fee. The cash back features are not amazing the first year (1% cash back on eligible purchases), but the situation improves after your first 12 on-time monthly payments with 1.5% cash back. There’s no sign-up bonus, but you can earn 2%-10% cash back at select merchants.

Upgrade Visa® Card with Cash Rewards

This card offers a great way to stay on top of payments and minimize how much you pay in interest. Your balance is automatically put into an installment plan with fixed monthly payments designed to keep your total interest payments lower than if you paid the minimum payment with a traditional credit card. The card also rewards you with 1.5% unlimited cash back on card purchases every time you make a payment.

Capital One® Walmart Rewards® Mastercard®

This card features a host of opportunities for the Walmart shopper. For example, earn 5% cash back on purchases, including pick up and delivery, and earn 2% cash back at Walmart, as well as at Walmart and Murphy USA Fuel Stations. You can also earn 2% cash back on restaurant and travel purchases. It’s 1% on all other purchases. There’s no annual fee and there’s no foreign transaction fee.

Capital One VentureOne Rewards for Good Credit

No-fuss travel rewards cards can be hard to come by, but the VentureOne for Good Credit is just that. A simple, unlimited rewards rate of 1.25 miles per dollar spent ensures you’re earning travel rewards for every purchase, every day. Lastly, there’s no annual fee, so you can feel good about keeping this card around for the long haul, no matter how your budget changes.

Capital One SavorOne Cash Rewards for Good Credit

If you’re looking for a card that will reward your “fun” purchases, the SavorOne for Good Credit is a great choice: Cardholders get 3% cash back on dining and entertainment. You’ll also have the opportunity to earn rewards on your more practical purchases since this card offers 2% cash back at grocery stores too. With no annual fee, you’ll likely benefit from this card if you hold any room in your budget for these categories.

Delta SkyMiles® Gold American Express Card

An ideal card for the Delta loyalist, you’ll earn 2 miles on every dollar spent on Delta purchases. Also, to better accommodate the consumer who may be staying closer to home for now, you can earn 2X miles at restaurants worldwide as well as at U.S. supermarkets. There’s also a 70,000-mile limited time welcome offer after you spend $2,000 within the first 3 months of card membership (offer expires 4/28/2021), and there’s an annual $100 Delta flight credit when you spend $10,000 in a calendar year. Finally, the annual fee of $99 is waived the first year.

Credit One Bank® Platinum Rewards Visa with No Annual Fee

Those looking for an easy way to earn rewards on everyday purchases will be pleased with the 2% cash back on eligible gas and grocery purchases, as well as mobile phone, internet, cable and satellite TV services. With such useful rewards categories, it’s notable that this card charges no annual fee. Bear in mind that the APR is higher than average, at 23.99% variable, so this probably isn’t a winner for someone who carries a balance from month to month.

Credit One Bank® Platinum Rewards Visa

Like its sister card, the Credit One Platinum Rewards offers rewards on everyday spending, like gas, groceries, cell phone services, internet, and cable or satellite TV service purchases. Though it does have a higher rewards rate – 5% cash back on the first $5,000 spent, then 1% – it also comes with a $95 annual fee. If you max out the 5% rewards category, you’ll earn $250 before the rate switches to 1%. Those who spend a lot in the right categories will see a nice rewards payout with this card.

Southwest Rapid Rewards® Plus Credit Card

This card’s Southwest-related rewards are stellar: Earn 2X points on Southwest purchases, and 1X point on all other purchases. And there’s the 3,000 points earned each annual cardmember anniversary. Also, earn 40,000 points after you spend $1,000 on purchases in the first 3 months, plus earn 3X points on dining, including takeout and eligible delivery services, for the first year. There’s an annual fee of $69 that isn’t waived the first year.

Marriott Bonvoy Bold™ Credit Card

If you want to make the most of your frequent hotel stays, the Marriott Bonvoy Bold can certainly help; earn 3 points per dollar spent at Marriott Bonvoy properties, 2 points per dollar on all other travel purchases, and 1 point per dollar on general purchases. Marriott properties are everywhere, so it’s not difficult to make the hotel brand commitment. With no annual fee, adding this card to your wallet can be a great way to capitalize on the travel purchases you’re already making.

Summary of the Best Credit Cards for Good Credit

Credit Card:Best ForReward RateAnnual Rating
Blue Cash Everyday® Card from American ExpressLong low intro APR2% cash back at U.S. gas stations and select U.S. department stores$03.9 / 5
American Express Cash Magnet® CardCash back1.5% cash back on your puchases$02.9 / 5
Capital One Quicksilver Cash Rewards for Good CreditEveryday purchases1.5% cash back on every purchase$03.4 / 5
Petal® 2 “Cash Back, No Fees” Visa® Credit CardNo fees1.5% cash back after making 12 on-time monthly payments$04.8 / 5
Upgrade Visa® Card with Cash RewardsCash rewards1.5% cash back on card purchases every time you make a payment$04.2 / 5
Capital One® Walmart Rewards® Mastercard®Walmart rewards5% cash back on purchases$04.3 / 5
Capital One VentureOne Rewards for Good CreditFlat rate rewards rate1.25 miles per dollar on all purchases$03.0 / 5
Capital One SavorOne Cash Rewards for Good CreditDining3% cash back on dining and entertainment$03.7 / 5
Delta SkyMiles® Gold American Express CardDelta Airlines2X points on Delta purchases, at restaurants worldwide and at U.S. supermarkets 1X points general spending. Terms apply. $0 introductory annual fee for the first year, then $993.6 / 5
Credit One Bank® Platinum Rewards Visa with No Annual FeeNo annual fee2% cash back on eligible purchases Eligible gas and grocery purchases as well as mobile phone, internet, cable and satellite TV services $03.9 / 5
Credit One Bank® Platinum Rewards VisaRewards5% cash back rewards on the first $5,000 of eligible purchases Eligible gas, grocery, internet, cable, satellite TV and mobile phone service purchases each year, and then 1% thereafter $953.2 / 5
Southwest Rapid Rewards® Plus Credit CardSouthwest rewardsEarn 2 points per $1 spent on Southwest® purchases Earn 1x point on all other purchases. $693.7 / 5
Marriott Bonvoy Bold™ Credit CardFrequent hotel stays3X points per dollar at Marriott Bonvoy properties 2X points on other travel purchases. 1X point on all other purchases $03.1 / 5

What is a good credit score?

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 661-780.

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

What is the best credit score?

The best credit score you can have will fall into the “excellent credit” range. According to FICO, that means your credit score will fall between 800-850. With the Vantage scale, an excellent VantageScore is between 781-850. Having an excellent credit score means that you may have a better chance for approval when applying for loans or credit increases, and can put you in a more favorable position when applying for a luxury card, which offers superior benefits and rewards. Much like having a good credit score, being in the excellent range requires upkeep. It’s imperative that you pay your balance off in full each month and make your payments on time in order to keep you score high.

Credit score ranges…

FICO CategoryFICO ScoreVantageScore CategoryVantageScore
Very Good740-799Good661-780
Poor300-579Very Poor300-499

How your credit score can negatively impact your life

There are a surprising number of ways that a bad score can affect your world. From buying a house to renting an apartment, your options can open up or be limited depending on your score. Millennials are particularly vulnerable. When polled, 46% expressed concern that their score is holding them back, according to OppLoans research, a financial technology company.

Millennials who…

  • believe their score prevented them from buying a car
  • 27%
  • applied and were turned down for a loan or line of credit
  • 26%
  • still live with roommates because of bad credit
  • 14%
  • feel they don’t have the techniques to properly build credit
  • 24%
  • feel that with a credit card their level of debt is unmanageable
  • 15%

Source: OppLoans 2018 research

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 3 types of cards, with cards for good credit and no annual fee.

Benefits and limitations of credit cards for good credit…

Not sure if a card for good credit is right for you? Here are the benefits and limitations of cards with good credit:


  • Can qualify for many rewards cards
  • There’s no security deposit, as with a secured card
  • Typically fewer fees than a card with bad credit; no annual fee cards usually require good credit
  • You can build credit
  • Generous welcome bonuses
  • Rewards are excellent


  • You can find superior rewards rates and benefits with cards that require excellent credit
  • An annual fee may be required if you want a card with superior rewards

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.

Rewards by credit ranking…

CardCredit RecommendedRewardsAnnual fee
Chase Sapphire PreferredGood to excellent80,000 pts / $4,000 spend in 3 mths; 2X points for worldwide travel & restaurants$95
Capital One QuicksilverOne Cash Rewards Credit CardFair to good1.5% on all spending$39
Secured Mastercard® from Capital OneBad to fairNone; refundable deposit required$0

What determines good credit?

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:

  • Paying on time. The most important aspect of your credit score is on-time payments. It makes up 35% of your FICO score, the score most used by lenders to assess your creditworthiness. One late payment can drop your score to the next range, although the older that late payment gets, the less impact it has. This category is also the most important factor for VantageScore, the scoring model developed by the 3 major credit bureaus: Experian, Equifax and TransUnion.
  • Paying in full. This category makes up 30% of your FICO score. It looks at the amount of credit you have available compared to the amount you owe. That’s called your utilization ratio.For example, if you owe $100 and you have $1,000 in available credit, your utilization ratio is 10% — you want the percentage as close to zero as possible. The amount of credit used is considered highly influential in the VantageScore model.
  • Credit history. How old are your accounts in your credit file with the 3 credit bureaus? This makes up 15% of your FICO credit score and it’s highly influential with VantageScore.
  • Recent credit. Avoid applying for multiple credit cards at once, because that can negatively impact your score, although a single pull typically only impacts your score by about 5 points. Recent credit makes up 10% of your FICO score and falls under “less influential” on VantageScore. Note that rate shopping for installment loans within a short amount of time, which can range from 15-45 days, typically only counts as one credit check, because credit score models recognize that rate shopping is a good credit habit.
  • Credit mix. FICO likes it when you have different types of credit, such as revolving credit (cards) and installment credit (car loans and mortgages). It makes up 10% of your FICO score and is highly influential in VantageScore.
  • Available credit. VantageScore also has a category called “available credit” that is considered less influential. There is also a category called “total balances/debt” that falls under moderately influential.

How many people have good credit?

According to FICO data from credit bureau Experian, 21% of consumers have good credit, while 34% have bad or fair and 45% have very good or exceptional credit.

Why your credit score matters

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:

  1. Installment loans. The best known of credit score uses, your credit can impact not only your interest rate but even whether you can get a loan. Credit scores are used by lenders of mortgages, car loans, private student loans and other lending products.
  2. Credit cards. The credit cards with the richest offers typically require good or excellent credit. For example, you can get a rewarding cashback card with no annual fee if your credit is good or excellent.
  3. Apartments. Increasingly, landlords are looking at potential renters’ credit before making a call on accepting a lease application. If you have good credit, you are that much more likely to be accepted.
  4. Insurance premiums. According to,homeowners with bad credit pay 122% more than people with good credit. So, your home insurance premium can be affected by your credit.
  5. Cellphone. Your cellphone provider may run a background check to ensure you can meet your obligations.
  6. Employment. Employers are increasingly running background credit checks prior to offering a job. Employers access a different report from that of lenders, and they don’t have access to your score. Also, they have to have your approval to pull a report.
  7. Dating prospects. When asked if a credit score could make you think twice about dating someone, 35% of men and 50% of women said yes, according to a Bankrate poll commissioned in May 2017.

What should I look for in a credit card if I have good credit?

Having good credit unlocks a whole new world of options when it comes to the credit cards you can get. “Consumers with good credit are in an excellent position to earn lucrative credit card sign-up bonuses and rewards for ongoing spending. Many of the best cash back cards are targeted at people with good credit,” points out Ted Rossman, industry analyst.

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:

  • Types of cards. With good credit, your options open up tremendously. You can earn 2%, 3%, even 5% back 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?

As Rossman advises: “When comparing options, think about how you spend most of your money and how you want to redeem your rewards. Look to maximize key categories like groceries, travel and dining out.”

Comparing sign-up bonuses…

CardAnnual feeSign-up bonusPoint valuation
Capital One Venture Rewards Credit Card$95100,000 miles*/$20,000 spend in 12 mths1:1
Capital One VentureOne Rewards$020,000 miles/$500 spend in 3 mths1:1

*Capital One Venture bonus: 100,000 bonus miles when you spend $20,000 on purchases in the first 12 months from account opening, or still earn 50,000 miles if you spend $3,000 on purchases in the first 3 months

  • 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 and a number of 0% intro APR offers.
  • 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. Here are 2 that require good credit and have no annual fee:

Comparing interest rates…

CardOfferGo-to rateFeatures
The Amex EveryDay® Credit Card from American ExpressIntro 0% on purchases for 15 months and N/A13.99%-23.99% Variable10,000 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® Cash BackIntro 0% for 14 months, BT & purchases11.99% - 22.99% VariableEnroll every quarter to earn 5% cash back on up to $1,500 in purchases made in rotating categories throughout the year (before moving to 1%); match cash back at end of first year

How to build and maintain a good credit score

A surprising number of Americans misunderstand what it takes to build and keep a good credit score. In a July 2020 survey, Bankrate asked consumers some key questions about their beliefs regarding credit building, and many didn’t realize that high card balances can negatively impact your score. You want as close to 0% as possible when it comes to your debt-to-balance ratio, and you want to keep the account active with a charge that you pay off each month. Read on to see all of the most popular misconceptions about building credit.

Consumers’ misconceptions of building credit…

  • Believe carrying a credit card balance can raise your credit score
  • 44%
  • Believe enrolling in a lender’s hardship program can lower your credit score
  • 28%
  • Believe canceling a credit card won’t lower your score
  • 26%

Source: 2020 Bankrate survey

How to build good credit

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:

  • Check your credit score. You’ll need this for the next step.
  • Apply for a credit card. Only apply for one, and make sure it’s one that you have a good chance of getting. You may need to get a secured card, which means you pay a refundable deposit in exchange for a credit limit. Make sure the card issuer will share your credit habits with the credit bureaus.
  • Pay in full and on time. This is 65% of your FICO score.
  • Become an authorized user. If your credit is too poor for landing a card or you don’t trust yourself with one, look into being an authorized user with a cardholder who is responsible with credit. You won’t have to use the card to build credit, and you won’t be responsible for the debt. Eventually, you’ll want to get your own card, though, so that you can withdraw from being an authorized user without losing credit ground. Keep in mind that when you withdraw, the authorized card’s good habits are withdrawn from your credit accounts. That’s why you’ll want to get your own card at some point.
  • Take out a credit-builder loan. To give your score that extra little boost, take out an installment loan, such as a car loan or a credit-builder loan. Don’t take out more than you can afford.

How to maintain 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:

  • Make reminders. You know you need to pay on time and in full each month. Now, set up a reminder so that you remember to pay by the due dates each and every month.
  • Make a small payment. Even if you don’t use a card much, make a small payment each month to keep the account active.
  • Don’t close accounts. There are a few exceptions to this, but typically it’s a good idea to keep accounts open and active because available credit with a low balance helps your score, and when you close an account, your aggregate available credit goes down.
  • Keep a budget. Allowing for saving and fun, maintain a workable budget to ensure you don’t overspend on your credit card.

How long does it take to build good credit?

It typically takes at least 6 months of credit activity before a credit score can be calculated, according to credit scoring expert Barry Paperno.

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.

Here’s how to rebuild good credit:

  1. Check your credit files. Look for collections, unpaid bills and other issues that can be cleared up. Contact the credit bureaus to correct any inaccuracies. Quickly resolve any problems with creditors, and get in writing that they will contact the credit bureaus with the resolution.
  2. Catch up. Your payment history is the most important aspect of your credit, so it’s critical to catch up with any payments and stay on top of them.
  3. Reduce your card balances. The second most important aspect of your credit score is the debt-to-balance ratio, called your utilization ratio. That’s why it’s so important to keep your balances low.

How to improve from good credit to excellent credit

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.

  • 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 at once. 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.
  • Plan taking out credit. If you know you want to, say, apply for a mortgage soon, keep things low key for several months by not suddenly taking out a card or incurring new debt. Lenders can see sudden changes in your financial habits as a warning sign that you are desperate.
  • Be patient. One element of credit building is time spent building that credit. That’s a big reason why a cardholder with great credit habits might have a lower score than a consumer with great credit habits and more years as a card user.

What to do when you have excellent credit

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:

  1. Ask for lower rates, higher credit limits. A poll found that of those who asked, 85% of consumers who asked got an improved credit limit. Of those asking for a lower interest rate, 56% received one. So, it’s worth a try.
  2. Upgrade to better credit cards. With excellent credit, you can get improved benefits and richer rewards.
  3. Do a loan and insurance premium checkup. Have your loan officer and insurance agent run the numbers again, because chances are, you qualify for a better rate.

Methodology: How we chose the best credit cards for good credit

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

All information about The Amex EveryDay® Credit Card from American Express has been collected independently by The Amex EveryDay® Credit Card from American Express is no longer available through