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A good credit score gives you access to better financial products and services, favorable loan and insurance rates, plus a wide range of credit cards that offer valuable rewards and benefits. Good credit can even impact what is available to you in terms of apartment rentals and job opportunities.
Credit cards for good credit require a FICO score between 670 to 739. When used responsibly, they will help you grow your score and provide access to premium credit cards with high-end perks, better rewards and lucrative bonuses. Read on to learn more about the best credit cards for good credit.
A good credit score gives you access to better financial products and services, favorable loan and insurance rates, plus a wide range of credit cards that offer valuable rewards and benefits. Good credit can even impact what is available to you in terms of apartment rentals and job opportunities.
Credit cards for good credit require a FICO score between 670 to 739. When used responsibly, they will help you grow your score and provide access to premium credit cards with high-end perks, better rewards and lucrative bonuses. Read on to learn more about the best credit cards for good credit.
Our rating:4.1
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time.
5%
Plus, a special travel offer, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/25.
At A Glance
Intro offer
$200 cash back
Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
Annual fee
$0
Regular APR
18.74% - 28.74% variable
Recommended credit
670-850 (Good to Excellent)
CreditCards.com 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.
Our rating:3.7
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
1.5%
Earn unlimited 1.5% cash back on every purchase, every day
At A Glance
Intro offer
$200
Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
Annual fee
$0
Regular APR
19.99% - 29.99% variable
Recommended credit
670-850 (Good to Excellent)
CreditCards.com 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.
Our rating:4.6
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
6%
6% Cash Back on select U.S. streaming subscriptions.
3%
3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more.
3%
3% Cash Back at U.S. gas stations
1%
1% Cash Back on other purchases
At A Glance
Intro offer
Earn $250
Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.
Annual fee
$0 intro annual fee for the first year, then $95.
Regular APR
18.74% - 29.74% variable
Recommended credit
670-850 (Good to Excellent)
CreditCards.com 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.
See if you’re pre-approved for this card using our CardMatch tool.
Our rating:4.7
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
Earn 2X points on local transit and commuting, including rideshare.
2X
Earn 2X points on internet, cable, and phone services; select streaming.
2X
Earn 2X points on Rapid Rewards® hotel and car rental partners.
1X
Earn 1X points on all other purchases.
At A Glance
Intro offer
Earn 85,000 points.
Earn 85,000 bonus points after spending $3,000 on purchases in the first 3 months from account opening.
Annual fee
$69
Regular APR
21.49% - 28.49% variable
Recommended credit
670-850 (Good to Excellent)
CreditCards.com 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.
Our rating:3.0
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
Earn 1.5% unlimited cash back on card purchases every time you make a payment
At A Glance
Intro offer
$200
$200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*
Annual fee
$0
Regular APR
14.99% - 29.99% APR
Recommended credit
580-740 (Fair to Good)
CreditCards.com 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.
Our rating:4.4
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
Earn 2X Miles on Delta purchases, at U.S. Supermarkets and at restaurants worldwide, including takeout and delivery in the U.S.
1X
Earn 1X Mile on all other eligible purchases.
At A Glance
Intro offer
Earn 80,000 Bonus Miles
Earn 80,000 Bonus Miles after you spend $3,000 in eligible purchases on your new Card in your first 6 months of Card Membership.
Annual fee
$0 introductory annual fee for the first year, then $150.
Regular APR
20.49% - 29.49% variable
Recommended credit
670-850 (Good to Excellent)
CreditCards.com 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.
Our rating:4.8
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
3%
3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
3%
3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.
1%
1% Cash Back on other purchases.
At A Glance
Intro offer
Earn $200
Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
Annual fee
$0
Regular APR
18.74% - 29.74% variable
Recommended credit
670-850 (Good to Excellent)
CreditCards.com 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.
See if you’re pre-approved for this card using our CardMatch tool.
Our rating:2.6
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
670-850 (Good to Excellent)
CreditCards.com 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.
*All information about The Amex EveryDay® Credit Card from American Express, My GM Rewards Mastercard, Marriott Bonvoy Bold Credit Card, Marriott Bonvoy Boundless Credit Card, the American Express® Green Card, the Southwest Rapid Rewards Premier Credit Card and the Capital One Walmart Rewards Mastercard has been collected independently by CreditCards.com and has not been reviewed by the issuer.
For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.
**No Interest: Out of network ATM withdrawal fees and over the counter advance fees may apply. See here for details.
Comparing credit credits for good credit
Credit Card:
Best For
Reward Rate
Annual Fee
CreditCards.com Rating
Citi Double Cash® Card
Cash back
2% cash back on every purchase
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
6% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%) and on select U.S. streaming subscriptions, 3% cash back at U.S. gas stations and on transit
1% cash back on all other purchases
Earn 2 points per $1 spent on Southwest® purchases, local transit and commuting, select streaming and on internet, cable, and phone services
Earn 1 point for every $1 spent on all other purchases.
5% cash back on Walmart.com purchases
Earn 2% cash back on purchases in Walmart stores, Murphy USA and Walmart fuel stations. Earn 2% cash back on restaurants and travel purchases. Earn 1% cash back on all other purchases everywhere else Mastercard is accepted.
Up to 14X points per dollar at Marriott Bonvoy properties
2X Bonvoy points for every $1 spent at grocery stores, on rideshare, select food delivery, select streaming and internet, cable and phone services. 1X points on all other eligible purchases.
3% cash back at U.S. supermarkets, U.S. gas stations, and on U.S. online retail purchases (on up to $6,000 per year in purchases in each category, then 1%)
1% cash back on other purchases
Editor’s picks: Credit cards for good credit details
Best for cash back: Citi Double Cash® Card
Best features: The Citi Double Cash offers 2% cash back in a unique way: 1% on general purchases (excluding gift cards) and then an additional 1% cash back as you pay off those purchases. With no annual fee, there are no category restrictions or rules to follow, so earning cash back is simple and easy to track.
Biggest drawbacks: If you take advantage of the balance transfer opportunity, there’s an intro balance transfer fee of 3% or $5, whichever is greater, for balance transfers completed within the first 4 months of account opening.
Alternative: The Wells Fargo Active Cash® Card takes the flat-rate 2% cash rewards credit card to the next level by also offering an intro APR on both purchases and qualifying balance transfers. Learn more about how to pick a 2% cash back card.
Bottom line: Thanks to its simplicity, this cash back card is a good fit for someone who values freedom and flexibility. The card is also a solid choice, particularly for existing Citi customers already familiar with earning ThankYou points. If you have credit card debt to combat, the intro APR window on balance transfers could be a valuable perk.
Best backup card: Capital One Quicksilver Cash Rewards Credit Card
Best features: With the Quicksilver, you won’t have to settle for a credit card that only offers 1% back on general purchases, charges foreign transaction fees (See rates and Fees) and lacks perks like extended warranty, travel accident insurance, and complimentary concierge service. This no-fuss card also packs in a generous sign-up bonus and a notable intro APR period on purchases and balance transfers.
Biggest drawbacks: The 1.5% cash back rate isn’t the most lucrative flat-rate option, and there is a 3% balance transfer fee that applies to any balance transfers you make during the intro period.
Alternative: The Bank of America® Customized Cash Rewards credit card offers cardholders the power to choose their highest earning spend category, in addition to offering high flat-rate rewards in other key categories.
Bottom line: The intro APR offer and 1.5% rewards rate make the Quicksilver a great fit for anyone who wants to make headway on eliminating debt and interest-free payments on purchases for a short time.
Best for groceries: Blue Cash Preferred® Card from American Express
Best features: Your everyday spending on groceries, gas, transit and even streaming services could help you rake in hundreds of dollars in cash back — enough to offset the card’s ongoing annual fee after the first year and still come away well ahead in cash back rewards.
Biggest drawbacks: The card’s ongoing annual fee and spending cap on U.S. supermarket purchases could put the card out of reach for households with larger budgets.
Alternatives: If you don’t spend enough to justify an annual fee, the Blue Cash Everyday® Card from American Express is a solid pick that offers cash back rewards on your purchases made at U.S. supermarkets and U.S. gas stations. If your spending habits fall more in line with groceries and entertainment, the Capital One SavorOne Cash Rewards Credit Card is a great pick.
Bottom line: This card is one of the best rewards cards around as long as your everyday spending lets you take full advantage of as many of the cash back categories as possible.
Best for good credit habit incentives: Upgrade Cash Rewards Visa®
Best features: The way this card works is a bit unique. Visa combines elements of a credit card with elements of a personal loan – cardholders make purchases that are automatically rolled into an installment plan with a fixed monthly payment. Designed to help cardholders get into a routine, this structure could spare you from overspending or underpaying your balance each month.
Biggest drawbacks: Some cardholders might enjoy a low APR, but some may not, given the high-end of the APR range is fairly steep. There are also limited additional benefits, so if you don’t have a hard time keeping balances under control, you’re likely better served by a traditional cash back credit card.
Alternative: The Chime Credit Builder Secured Visa® Credit Card goes further than most secured credit cards. It doesn’t require a credit check or a minimum security deposit and doesn’t charge interest**.
Bottom line: If you’ve struggled with paying off credit cards in the past, this personal loan/credit card hybrid could be an extremely helpful tool. Those looking to rebuild credit will appreciate the ability to earn consistent cash back.
Best for Walmart rewards: Capital One Walmart Rewards® Mastercard®*
Best features: You’ll earn the most on Walmart.com purchases (including pickup and delivery orders). You’ll also earn at a competitive rate on in-store Walmart purchases and Walmart fuel stations, restaurants and travel purchases. Finally, you’ll get 1% cash back everywhere else. There’s no minimum to redeem rewards, no foreign transaction fee and your rewards don’t expire. Another plus: You could get instant approval via the Walmart App.
Biggest drawbacks: The card carries a high variable APR range and there’s no sign-up bonus or introductory APR.
Alternative: If Walmart isn’t your go-to, one-stop shop, you may prefer a general-purpose credit card you can use at a variety of stores. One of Amex’s Blue Cash credit cards, such as the Blue Cash Preferred® Card from American Express, could be a better fit for people who shop at a variety of U.S. supermarkets.
Bottom line: If Walmart is your go-to for groceries, gas or any other need, this card can pack a punch with its high-yielding cash back offers for no annual fee.
Best for Delta airlines: Delta SkyMiles® Gold American Express Card:
Best features: Travelers have access to Delta’s large network of airline partners, there’s no blackout dates on Delta flights and miles don’t expire.
Biggest drawbacks: Frequent flyers looking for comfort and additional perks won’t get lounge access or reach elite status with this card.
Alternative: The Capital One Venture Rewards Credit Card is a better fit for people who don’t fly Delta often or who aren’t frequent travelers. Though it has a $95 annual fee (See rates and Fees), the sign-up bonus, unlimited reward earning potential and numerous other perks will go a long way to bringing down the costs of your next trip.
Bottom line: Anyone frequently flying with Delta should take a long look at where the Delta SkyMiles® Gold American Express Card can take you.
Best for frequent hotel stays: Marriott Bonvoy Bold® Credit Card
Best features: Your earnings from the sign-up bonus are worthwhile towards Marriott stays. Also, for no annual fee, you get automatic Silver Elite Status and have the ability to transfer points to 40+ airline partners. You also have access to the world’s largest hotel network.
Biggest drawbacks: The available redemption options outside of room awards generally have poor value, and this card’s overall rate for earning points is comparatively low.
Alternative: Reward seekers who want a travel credit card with more value should consider upgrading to the Marriott Bonvoy Boundless® Credit Card, which has a $95 annual fee. The sign-up bonus and points you earn on purchases made at hotels participating in the Marriott Bonvoy program are higher, and there are numerous other perks that you won’t find with the Bonvoy Bold card.
Bottom line: Marriott enthusiasts looking to earn some perks with the brand while skipping an annual fee should consider this card.
Best for frugal families: Blue Cash Everyday® Card from American Express
Best features: The Blue Cash Everyday is a no-annual-fee card with great cash back rates. It comes with a lengthy intro APR on new purchases and balance transfers. Along with the generous APR window, this card features a great welcome offer with a fairly attainable required spend.
Biggest drawbacks: There are limitations on the amount you can earn in the highest rewards categories, which might hold you back from some much-appreciated earnings late in the year, and rewards can’t be transferred or combined.
Bottom line: Family shoppers might want to take a good look at these high-earning rewards categories. Plus, the intro APR on purchases can come in handy if you want to make a large purchase and carry the balance for a bit.
Best for rewards newbies: Synchrony Premier World Mastercard®
Best features: It boasts a competitive flat cash back rate and you won’t have to stress over a complicated rewards program, bonus categories, point values or maximizing redemption.
Biggest drawbacks: It doesn’t offer an intro APR or sign-up bonus, putting it a step behind the best cash back cards on the market. There are also few extra benefits beyond the card’s ongoing cash back.
Alternatives: The Capital One Quicksilver Cash Rewards Credit Card may offer better upfront value with its sign-up bonus and intro APR. In fact, those features may put it ahead of the Synchrony Premier in total value for a long while since you’ll only be earning cash back via that card’s ongoing rewards rate.
Bottom line: This card is worth a look if you want to earn cash back without the headache of multiple bonus categories and complex redemption.
Best for Southwest rewards: Southwest Rapid Rewards® Plus Credit Card
Best features: You’ll earn competitive rewards on Southwest purchases, along with other popular categories like transit and commuting, internet, cable and select streaming services. You’ll also have the chance to earn the Southwest Companion Pass®.
Biggest drawbacks: Being a Southwest-centric card, there aren’t many uses for it if you don’t travel often. If you don’t frequently want to get away, you’ll be better served by a different travel rewards credit card.
Best for mid-level travel perks: American Express® Green Card
Best features: You can earn on unique travel experiences like cruises, campgrounds and vacation rentals. You’ll also still have access to a few key travel perks and protections like a CLEAR Plus membership credit (up to $199) and a LoungeBuddy credit (up to $100).
Biggest drawbacks: The annual fee, while not the highest among top travel cards, could still prove expensive for some. You also won’t get the most premier perks, credits or lounge access with this card.
Alternatives: If you want to save even more on an annual fee while still earning competitive rewards on a wide variety of travel categories, the Capital One Venture Rewards credit card could be a good fit. You’ll earn a competitive flat rewards rate on all purchases with elevated rewards rates on hotels and rental cars booked through Capital One Travel. You’ll also get to keep key travel perks like a credit toward Global Entry/TSA PreCheck (up to $120) — all for a lower, $95 annual fee (See rates and Fees).
Bottom line: This mid-level travel card is ideal for anyone who travels enough to warrant a modest annual fee for a few key perks.
Best features: The intro bonus requirements are easy to meet and this card is ideal for GM fans. There’s also a modest intro APR offer on purchases, which is a plus.
Biggest drawback: This card is only truly useful if you want to redeem points for GM products and services. For example, when redeeming points for an eligible Certified Pre-Owned GM vehicle, 100,000 points = $1,000. But try to redeem your rewards for gift cards, and the redemption value drops to $0.0025 (100,000 points = $250).
Alternative: General-purpose cash back credit cards or cards that earn flexible points are the way to go if you’re not in the market to buy or lease a GM vehicle.
Bottom line: If you plan to buy or lease a new car or truck in the future, GM offers some eye-catching incentives to get people to consider its lineup of vehicles. Points you earn never expire and you can redeem toward numerous GM products and services like new GM vehicles and vehicle maintenance.
A good credit score using the FICO credit-score model is 670 to 739 out of a range of 300 to 850. Using the VantageScore model, a good credit score is 661 to 780. 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.
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, you’ll tend to get stuck with higher interest rates and inferior rewards.
What determines good credit?
Good credit means that your score is high enough to qualify for better financial products.
The scoring models look at several factors to see if you are a good credit risk. The higher your score, the less risk you are for the lender. Below we have listed the primary factors that scoring models focus on:
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 three 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 three 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 five points. Recent credit makes up 10% of your FICO score and falls under “less influential” on VantageScore.
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.
What is the difference between good and fair credit?
Per FICO, a fair credit score falls in the 580 to 669 range, just below what qualifies for good credit.
Having a good credit score will create better financial opportunities than a fair score. A good credit score helps earn the trust of lenders and other major decision makers, often leading to more affordable plans with better terms and rates. This will come in handy when looking for a home, rental property, personal loan, new job and more.
Those with fair credit scores are sometimes only given access to unfavorable terms because they’re deemed riskier. This is why it’s important to practice good financial habits like making on-time payments and not using too much of your available credit.
If your score needs a boost, cards for fair credit can help. When used responsibly, they can improve your credit score and show lenders your good financial habits. They may also come with extra features and benefits to enhance their value. These may include a sign-up bonus, cash back rewards, and free credit score and credit monitoring.
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 or use autopay: You know you need to pay on time and in full each month. So you don’t forget, set up a reminder to help you remember to pay by the due dates. Also, some credit cards allow you to set up automatic payments, so there’s no worry whether your bills are paid on time.
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: Typically it’s a good idea to keep accounts open and active because available credit with a low balance helps your score. Even if you don’t use a card much, make a small purchase each month or so and pay it off to keep the account active.
Keep a budget: Allowing for saving and fun, maintain a workable budget to ensure you don’t overspend on your credit card.
Pros and cons of credit cards for good credit
Pros
Best in show rewards rates, sign-up bonuses and benefits: A good credit score grants cardholders access to some of the best credit cards available. Though approval is never guaranteed, a good credit score makes cards with some of the highest reward rates, most lucrative sign-bonuses and best benefits within reach.
More variety in accessible credit cards: While a bad or fair credit score can limit consumers’ to specific card types, like secured credit cards, a good credit score widens the field; and allows you to choose among the best available balance transfer, rewards and travel cards.
Cons
Higher probability of annual fees: Access to the best benefits often comes at a cost. More credit cards for good credit tend to have annual fees in exchange for better card features.
How we picked the top credit cards for good credit
Rewards program: The best credit cards for good credit offer rewards as incentive to use the card. So we looked for credit cards that offer high points, miles, or cash back rewards for a variety of everyday purchases. We also looked to see if the redemption policies are easy to understand.
Redemption options and flexibility: We considered whether the credit card provides multiple options for redemption, including the usual methods (statement credit, direct deposit to bank account, or check) as well as alternative options (travel purchases, gift cards).
Sign-up bonus: A good sign-up bonus can help maximize the value of a credit card for good credit. So we looked to see if there is a sign-up bonus and considered the amount of the bonus as well as the required spending threshold.
Rates and fees: It’s important to pay attention to the interest rate you’ll be charged. Interest charges are how credit card companies make money, and that’s how people fall further into debt. That’s why we look to make sure the regular annual percentage rate (APR) is reasonable compared to the current industry average. (See the current average credit card interest rates.) We also looked to see if the card has any other fees (annual fee, penalty fees) and whether the rewards and benefits are enough to make the potential fees worth the cost.
More information on credit cards for good credit
For more information on all things credit cards, continue reading content from our credit card experts:
Whether you’re starting from scratch or recovering from a financial misstep, you may be wondering how long it will take to build your credit. While it will not happen overnight, you can establish a good credit score in three to six months when paying on time and in full while maintaining a low utilization ratio. One can take steps to achieve this by using a credit card, becoming an authorized user on another person’s account or paying off an installment loan.
While there is no quick fix to reach your credit goals, taking consistent action over even relatively short periods of time is essential for boosting your score. First, create a plan to tackle any debt you’ve accrued as it won’t be doing your score any favors. If you have a loved one who is a responsible credit user with an existing credit account, ask if you can be included as an authorized user, which can improve your score when that card shows up on your credit report. Finally, take advantage of self-reporting. Programs such as UltraFICO allows users to demonstrate their creditworthiness by adding histories of on time payments for loans and utilities to their profile.
About the Author
Tracy Stewart
Tracy Stewart is a personal finance writer specializing in credit card loyalty programs, travel benefits, and consumer protections. He previously covered travel rewards credit cards, budget travel, and aviation news at SmarterTravel Media. His money-saving tips have appeared in the Washington Post, the Wall Street Journal, Consumer Reports, MarketWatch, Vice, People, the Zoe Report and elsewhere.
About the Editor
Jeanine Skowronski
Jeanine Skowronski is a credit card expert, analyst, and multimedia journalist with over 10 years of experience covering business and personal finance. She has previously served as the Head of Content at Policygenius, Executive Editor of Credit.com, Deputy Editor at American Banker, Staff Reporter at TheStreet and a columnist for Inc. Magazine.
About the Reviewer
Jason Steele
Jason Steele is a professional journalist and credit card expert who has been contributing to online publications since 2008. He was one of the original contributors to The Points Guy, and his work has been appearing there since 2011. He has also contributed to over 100 of the leading personal finance and travel outlets. He’s frequently interviewed and quoted by mainstream outlets on the subjects of credit cards and travel. Jason is passionate about travel rewards credit cards, which he uses to earn rewards that he can redeem for him and his family to travel around the world. Jason is also the founder and producer of CardCon, a conference for credit and credit card journalists that’s held annually.
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CreditCards.com is an independent, advertising-supported comparison service. The offers that appear on this site are from companies from which CreditCards.com receives compensation. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within listing categories. Other factors, such as our own proprietary website rules and the likelihood of applicants' credit approval also impact how and where products appear on this site. CreditCards.com does not include the entire universe of available financial or credit offers. CCDC has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover.
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Know your odds before you apply
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We’ll run a soft credit pull, which won’t impact your credit score
You’ll see your estimated approval odds near cards to help you narrow down your options
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Calculating your approval odds
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We’re sorry, but something went wrong and we couldn’t find your approval odds. Instead, you'll see recommended credit ranges from the issuers listed next to cards on our site.