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.

American Veterans USAA Rewards™ Visa Signature® Card

Apply Now Credit Needed
Excellent, Good, Fair
  • With this card, you can help American Veterans assist veterans and their families. USAA Bank will make a contribution to American Veterans when you open an account, make eligible purchases and keep an active account.
  • Get 2,500 Bonus Points after your first purchase.
  • Start earning 1 point for every $1 spent for all your every day purchases.
  • Redeem points for 1% cash back or use them to purchase travel, gift cards and merchandise. You can also redeem your points and donate to your favorite military affiliate group.
  • Redeem your rewards points anytime on usaa.com or from your mobile phone - with no redemption fee.
  • Enjoy no cap or expiration date on points.
  • Enjoy no foreign transaction fees when you travel outside of the United States
  • Rates and Fees
Apply Now at USAA's
secure site
Purchases Intro APR
N/A
Balance Transfers Intro APR
0% for 12 months
Regular APR
12.15% to 27.15% Variable
Annual Fee
$0
Credit Needed
Excellent, Good, Fair

USAA Cashback Rewards Plus American Express® Card

Apply Now Credit Needed
Good/Excellent
  • Earn 5% cash back on your first $3,000 in gas and military purchases annually on these categories combined.
  • Earn 2% cash back on your first $3,000 on supermarket purchases per year.
  • Unlimited 1% cash back on all other purchases.
  • 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

Indigo® Mastercard®

Apply Now Credit Needed
Fair Credit
  • Account history is reported to the three major credit bureaus in the U.S.
  • An opportunity to build and access credit
  • Choose your custom card design - Free
  • Unsecured credit card, no security deposit required
  • Quick pre-qualification available with no impact to your credit score
  • Online servicing available 24/7 at no additional cost
  • Mobile account access at any time
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% (Fixed)
Annual Fee
$0 - $99
Credit Needed
Fair Credit

Deserve® Pro Mastercard

Apply Now Credit Needed
Good credit
  • More cash back on the things you enjoy the most: 3% on travel/entertainment, 2% on restaurants & 1% on all other purchases
  • No annual fee
  • Credit limit up to $10,000
  • No foreign transaction fees
  • Use anywhere in the world where Mastercard is accepted
  • Includes Mastercard Platinum Benefits like Price Protection, Travel Assistance, ID Theft Protection, Car Collision Damage Waiver & Extended Warranty
  • Refer a Friend and get a $30 statement credit. Refer 10 friends and get a $200 bonus for a total of $500 in statement credits
Apply Now at Deserve's
secure site
Purchases Intro APR
N/A
Balance Transfers Intro APR
N/A
Regular APR
17.24% - 24.24% Variable
Annual Fee
$0
Credit Needed
Good credit

Citi ThankYou® Preferred Card for College Students

Apply Now Credit Needed
Good Credit
  • Earn 2,500 bonus points after spending $500 in purchases within the first 3 months of account opening*
  • 2,500 ThankYou® Points are redeemable for $25 in gift cards, electronics and other great rewards when redeemed at thankyou.com
  • Earn 2X Points on Dining Out & Entertainment
  • Earn 1X Points on All Other Purchases
  • No expiration and no limit to the amount of points you can earn with this card
  • Travel with ease and enjoy global acceptance with Chip Technology
  • No annual fee*
Apply Now at Citi's
secure site
Purchases Intro APR
0%* for 7 months on Purchases*
Balance Transfers Intro APR
N/A
Regular APR
15.74% - 25.74%* (Variable)
Annual Fee
$0*
Credit Needed
Good Credit

Target REDcard™

Apply Now Credit Needed
Good/Excellent
  • Charge your Target and Target.com purchases
  • Save 5%* every day at Target and Target.com
  • Free Shipping* on most items at Target.com and Extended Return Policy*
  • REDcard online account management
  • Stackable with Cartwheel and other discounts
  • Subject to application approval
  • Target also offers a Target Debit card which also qualifies for 5% off* every day at Target and Target.com, Free shipping* on most items at Target.com, Extended Return Policy* and up to $40 cash withdrawal at checkout
  • *Some restrictions apply. See program rules at Target.com/REDcard for details.
Apply Now at Target's
secure site
Purchases Intro APR
N/A
Balance Transfers Intro APR
N/A
Regular APR
23.15% (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.