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The best credit card offers typically go to consumers with good to excellent credit, but what does that mean? Using the scoring method from FICO, a "good" score — or one that is near or slightly above the average for U.S. consumers — is any score between 670 to 739 on a 300 to 850 scale. The higher your score, the better your chance of qualifying for the top credit cards.
Qualifying for a card for good credit can pay off — cardholders can earn valuable cash back or travel rewards, save on interest with a 0% APR card and can enjoy other valuable benefits, such as purchase and travel protections.
We surveyed cards on ValuePenguin and major issuer sites to pinpoint some of the most valuable offers available to applicants with good credit scores. Here are our top picks by category:
Best credit cards for good credit 2021
|Capital One Venture Rewards Credit Card||Travel||$95|
|Discover it® Cash Back||Cash back||See terms|
|Delta SkyMiles® Gold American Express Card||Airline||$0 introductory annual fee for the first year, then $99.|
|Hilton Honors American Express Surpass® Card||Hotels||$95|
|Wells Fargo Platinum card||Low APR||$0|
|Capital One Spark Cash for Business||Business||$0 intro for first year; $95 after that|
|Capital One Venture Rewards Credit Card|
|Discover it® Cash Back||Read Review|
|Delta SkyMiles® Gold American Express Card|
|Wells Fargo Platinum card|
|Capital One Spark Cash for Business|
To make choosing the right card easier, we've looked at credit cards reviewed on ValuePenguin as well as cards on major issuer sites to compile a list of the best rewards credit cards available right now. Our recommendations are based on the additional value you can earn with the cards — including the rewards value, cost of ownership and value of benefits such as travel and purchase protections, lounge membership and airline companion passes. Our choices are not influenced by our advertisers. Learn more on how we calculate rewards.
Best travel credit card for good credit
Capital One Venture Rewards Credit Card
- Enjoy a one-time bonus of 60,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $600 in travel
- Earn unlimited 2X miles on every purchase, every day
- Miles won't expire for the life of the account and there's no limit to how many you can earn
- Receive up to $100 application fee credit for Global Entry or TSA Pre✓®
- Redeem on travel—including flights, vacation rentals, car rentals and more. Plus transfer your miles to over 15+ travel loyalty programs
- No foreign transaction fees
Enjoy a one-time bonus of 60,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $600 in travel.
The Capital One Venture Rewards Credit Card is easily one of the best travel credit cards available, and there are several reasons why. For starters, this card is offering an exceptional sign-up bonus that is worth $600 in travel if you can meet the relatively high minimum spending requirement. Not only that, but you’ll earn an unlimited 2 Miles per dollar on every purchase, every day, so you don’t have to worry about bonus categories or earning caps.
Miles are a breeze to redeem: You can redeem them at a rate of 1 cent per mile to cover travel purchases charged to your card in the last 90 days, and you can also transfer your miles to an array of popular airline and hotel partners including Flying Blue (Air France/KLM), Wyndham Rewards and JetBlue.
Overall, we believe this card is an excellent choice for consumers who want to travel but need flexibility when it comes to redeeming their rewards.
- Foreign transaction fees: None
- Qualify for up to $100 fee credit for Global Entry or TSA Precheck membership.
- Redeem rewards for travel, Amazon.com purchases or transfers to Capital One airline and hotel partners.
- Qualify for auto rental collision damage waiver coverage, travel accident insurance, extended warranties on eligible items and other cardholder perks.
- Capital One transfer partner ratios are not that great, with most letting you transfer Capital one miles at a 2:1.5 ratio.
- Annual fee of $95 is not waived the first year.
- Sign-up bonus requires a high amount of spending on the card.
Best cashback credit card for good credit
Discover it® Cash Back
Matches all your cash back at the end of your first year for new cardholders.
The Discover it® Cash Back is an easy choice for consumers who want to earn cash back on their spending without paying an annual fee. This card lets you earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate, 1% unlimited cash back on all other purchases - automatically. Categories frequently include Amazon.com purchases, dining and drugstores. Keep in mind, however, that bonus rewards are limited to $1,500 in spending per quarter. You’ll earn 1% cash back after you reach that threshold, as well as on other purchases you make with your card.
The Discover it® Cash Back will double all the rewards you earn after your first year in lieu of a traditional sign-up bonus. Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
- 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate, 1% unlimited cash back on all other purchases - automatically
- See your rewards doubled after the first 12 months (for new cardholders).
- Redeem your rewards for cash back, statement credits, gift cards, charitable donations and more.
- Free FICO Score on your statement each month.
- You can get prequalified online without a hard inquiry on your credit report.
- Bonus rewards are capped on the first $1,500 spent in bonus categories each quarter.
- No major cardholder benefits or consumer protections to speak of.
- No traditional sign-up bonus, although Discover's Cash Match offer is potentially much more valuable.
Best airline credit card for good credit
Delta SkyMiles® Gold American Express Card
- Limited Time Offer: Earn 70,000 Bonus Miles after spending $2,000 in purchases on your new Card in your first 3 months. Offer expires 11/10/2021.
- Enjoy your first checked bag free on Delta flights.
- Earn 2X Miles on Delta purchases, at restaurants worldwide, including takeout and delivery and at U.S. supermarkets.
- Earn 1X Mile on all other eligible purchases.
- $100 Delta Flight Credit: After you spend $10,000 in purchases on your card in a calendar year, receive a Credit to use toward future travel.
- Enjoy a $0 introductory Annual Fee for the first year, then $99.
- Terms Apply.
Limited Time Offer: Earn 70,000 Bonus Miles after spending $2,000 in purchases on your new Card in your first 3 months. Offer expires 11/10/2021.
If you want to earn airline miles so you can travel within the United States or abroad, the Delta SkyMiles® Gold American Express Card can be a solid choice. Not only do Delta SkyMiles never expire, but you can use them to fly with Delta or a range of SkyTeam alliance partners. Delta doesn’t have a set award chart, but you can often find great deals on select destinations, or by booking one of Delta’s SkyMiles Deals (when available).
The card offers a generous welcome bonus right off the bat, and it also gives you solid rewards earnings. Earn 2X Miles on Delta purchases, at restaurants worldwide, including takeout and delivery and at U.S. supermarkets. 1X miles on everything else. The card's checked bag benefit is also quite generous: You get a free checked bag whenever you fly with Delta — this applies to the cardholder and up to eight other people on the same itinerary.
- First checked bag free for you and up to eight companions on your itinerary on Delta.
- $100 Delta flight credit when you spend $10,000 or more on your card within a calendar year.
- 20% back on in-flight purchases when you pay with your credit card.
- Foreign transaction fees: None
- Priority boarding when you fly with Delta.
- Qualify for secondary auto rental coverage and a Global Assist hotline.
- Terms apply.
- Must fly Delta Air Lines frequently to use the card's benefits.
- $0 introductory annual fee for the first year, then $99.
- Terms apply.
For rates and fees of Delta SkyMiles® Gold American Express Card, please click here
Best hotel credit card for good credit
Earn 130,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Hilton Honors American Express Surpass Card in the first 3 months of Card Membership. Plus, you can earn an additional 50,000 Hilton Honors Bonus Points after you spend a total of $10,000 in purchases on the Card in the first 6 months.
The Hilton Honors American Express Surpass® Card is a good option for hotel rewards enthusiasts who want a big welcome bonus and the ability to earn ongoing rewards on their spending. This card starts you off with a generous welcome bonus, easily worth a few nights in a higher-end Hilton hotel.
The $95 annual fee on this card is very reasonable, and that’s especially true considering you get automatic Hilton Gold status as a cardholder (enrollment required). As a Gold member, you can qualify for elite Hilton Honors perks like free breakfast, complimentary room upgrades and more.
We believe the earning rates on this card are exceptional, and that’s true even if you don’t spend a lot on hotel stays right now, since the earning categories include everyday purchases, like U.S. supermarkets and gas. Cardholders Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton Portfolio. Earn 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, U.S. supermarkets, and U.S. gas stations. Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
- Receive automatic Hilton Honors Gold status (enrollment required) as a cardholder.
- Qualify for a weekend night award when you spend at least $15,000 on your card within a calendar year.
- Get 10 Priority Pass airport lounge visits per year.
- Foreign transaction fee: None
- Terms apply.
- Points in the Hilton Honors program have limited redemption options outside of free hotel nights.
- $95 annual fee applies.
- Terms apply.
Best low APR credit card for good credit
Wells Fargo Platinum card
Wells Fargo Platinum card
- 0% intro APR for 18 months from account opening on purchases and qualifying balance transfers, then a 16.49% to 24.49% variable APR; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5
- $0 Annual Fee
- Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Platinum card
- Easy access to your FICO® Credit Score with Wells Fargo Online®
- Monitor your spending, purchases and any suspicious activity with text and email alerts and notifications
- Convenient tools to help create a budget and manage your spending with My Money Map
- Select "Apply Now" to learn more about the product features, terms and conditions
0% intro APR for 18 months from account opening on purchases and 0% intro APR for 18 months on qualifying balance transfers, followed by an APR of 16.49%-24.49% (Variable); balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
The Wells Fargo Platinum card offers a long introductory APR for new purchases and balance transfers. Not only do you get an intro APR of 0% intro APR for 18 months from account opening on purchases (followed by an APR of 16.49%-24.49% (Variable)), but you’ll qualify for the same introductory rate for balance transfers you make within 120 days. Note, however, that if you transfer a balance to this card, you will pay a balance transfer fee of 3% intro for 120 days from account opening, then up to 5%; min: $5.
This card has an annual fee of $0, and you get a free FICO Score on your credit card statement. Just keep in mind that this card doesn’t earn any rewards, so it’s better for consumers who want to save money on interest instead of those who want to earn points or miles.
- Intro APR of 0% intro APR for 18 months from account opening on purchases and 0% intro APR for 18 months on qualifying balance transfers, followed by an APR of 16.49%-24.49% (Variable); balance transfers must be made within 120 days to qualify for the introductory rate.
- $0 annual fee.
- Free FICO Score.
- Long introductory 0% APR offer.
- Cellphone protection worth up to $600, less a $25 deductible, when you pay your cell phone bill with your credit card.
- No rewards.
- This card doesn’t have many meaningful perks or benefits.
Best business credit card for good credit
Capital One Spark Cash for Business
Earn a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening
The Capital One Spark Cash for Business is an excellent option for business owners or self-employed individuals who want to earn cashback rewards on their business spending. You can earn an unlimited 2% Cash Back for your business on every purchase, everywhere. This means you can rack up rewards fast, and that doesn’t even include the generous bonus offer you can receive within the first three months.
When it comes to redeeming your rewards, the Capital One Spark Cash for Business lets you redeem for cash back in any amount. You’ll also get free employee cards, so you can earn rewards on business-related purchases your employees make.
- Earn unlimited rewards that won’t expire as long as your account is open.
- Annual fee $0 intro for first year; $95 after that
- Foreign transaction fees: None
- Free cards for your employees.
- Qualify for roadside assistance.
- An annual fee applies after the first year.
- Rewards can only be used for cash back or statement credits.
What is a good credit score?
A "good" credit score depends on the credit-scoring model that you're using. There are several different types of credit-scoring models, including FICO, VantageScore and more. A good score can fall between 670 to 739 on the FICO scale, or between 661 to 780 on the VantageScore scale.
The scoring models rates use the following ranges:
FICO Score ranges
How to pick a card for good credit
If you feel overwhelmed by the credit cards for good credit we’ve highlighted above, you should take the time to think over the cardholder benefits you want the most. You should also consider factors that could affect your ability to maximize the benefits of your card, as well as how long you plan to keep your credit card in the first place. Considerations to keep in mind as you pick a new credit card include the following:
How will you use the card?
How do you see yourself using your credit card, and which types of rewards or benefits do you want the most? If you want to earn flexible cash back you can redeem however you want, then a cashback credit card is probably your best bet. But if you want to travel, you’ll have to compare travel credit cards to find one that lets you earn points you can redeem for travel.
If your goal is saving money on interest, then you’re better off comparing balance transfer credit cards and cards that offer 0% APR on purchases for a limited time.
Before you pick a card, it can help to think about what you hope to accomplish and how a credit card could help.
What do you spend the most on?
If your goal is earning rewards, then it’s smart to figure out which cards might give you the most bang for your buck. If you spend a lot on groceries each month, for example, a grocery credit card with superior rewards in this category could be the best choice. If you spend a lot on travel or dining, on the other hand, a credit card that offers bonus rewards on restaurant spending, flights and hotels could leave you significantly better off.
However, if you don't like juggling cards or tracking spending categories, you might consider a card that offers flat-rate rewards. Flat-rate rewards credit cards offer a high rate of rewards on every purchase, rather than a bonus in particular spending categories.
If your goal is earning as much as possible with your new credit card in the first year, then you’ll want to seek out cards with a significant welcome bonus. Many cards let you earn a bonus worth $500 or more just for meeting a minimum spending requirement within the first few months. This bonus is doled out on top of the rewards you earn on regular spending.
Annual fee vs. no annual fee
If you don’t spend a lot on your credit card each year, then a card with no annual fee may be a better choice. You don’t want to pay to carry a card if you’re not going to earn enough in rewards to at least cover the fee.
However, for cardholders who spend significantly on their cards each year, a credit card with a higher rewards rate that charges an annual fee could make a lot of sense. The rewards and benefits offered by annual fee cards can be worth multiple times the annual fee.
As you compare cards, keep your eye out for cardholder benefits that could be useful in your everyday life. These might include travel insurance benefits, consumer protections like extended warranties or purchase protection against damage or theft, and cardholder perks like airport lounge access or free checked bags when you fly.
How to get approved for a credit card for good credit
When it comes to getting approved for a credit card, there are plenty of steps you can take right away. Here are some tips to boost your odds of approval:
- Pay down existing debt you have in order to reduce your debt-to-income (DTI) ratio.
- Make sure you’re paying all of your bills early or on time since your payment history is the most important factor that makes up your FICO Score.
- List household income on your credit card application, and not just your own.
- If you don’t have a credit card yet, become an authorized user on another person’s credit card, which will help you build valuable credit history.
How to go from good to excellent credit
The key to moving from a good credit rating to an excellent one is identifying areas where you’ve been lacking. To start, familiarize yourself with the components that make up a credit score. For the purpose of credit cards, you’ll want to focus on the FICO 8 Score, which is the one used most frequently in bank card decisions.
Those who have good credit are most likely doing a few things right, such as never missing their monthly payments. Frequently, the two things holding people back from moving to the "excellent" bracket are the average age of their credit and the types of credit they hold. Here is how you can tackle both:
- Average age of credit. The older the average age is of all of your credit and loan accounts, the better it is for your credit rating. Every time you open up a new line of credit, your average age goes down. The key to improving this factor is to minimize the number of accounts you open and to avoid closing any old accounts. There is no reason to shut down old accounts unless they are inactive and are having a negative impact on your finances — such as charging you an annual fee. For those who are new to credit, the average age of credit will be the toughest to overcome. There is not much you can do outside of patiently waiting (or have yourself added as an authorized user to an older account).
- Types of credit. Having a mix of different credit lines helps build a better credit score. For example, an individual with only two credit card accounts could have a better credit score if they also paid down a student loan or mortgage under their name. Users looking to diversify their loan portfolio can also seek credit-building loans from local credit unions. These are made with the explicit purpose of helping an individual add more accounts to their credit report.
The following questions and answers can help you learn more about the best credit cards for good credit and how to get one.
How do you get a good credit score?
The factors that make up your credit score include your payment history, how much debt you have, the average length of your credit history, the types of debt you have and how much new credit you have. To boost your credit score into the "good" range, you’ll want to pay your bills early or on time, pay down debt, keep your credit utilization low and refrain from opening or closing too many accounts.
How many credit cards should you have for good credit?
The number of credit cards you have will not affect whether you have good credit or not. Instead, the way you use your credit cards will have the greatest impact.
Which credit cards for good credit offer instant approval?
Some credit cards are easier to get than others, and some offer instant approval or virtual card numbers. However, you should note that "instant approval" does not necessarily mean a card is easy to qualify for. It only means you can find out if you’re approved within a few minutes of applying online.
With all of this in mind, any of the cards that made our ranking could be considered instant approval cards. You can apply for each of them online, and you may find out you’re approved within a matter of minutes.
What are credit card points?
Credit card points are a form of rewards that can be used to book travel, redeem for cash back or other options. Most rewards credit cards earn a base number of points per dollar spent, with bonus points earned for specific categories that vary from card to card. The value of these points depends upon which program they're in and how you plan on redeeming them.
Why do credit cards give rewards?
Banks give rewards when you spend on your credit card because they charge the merchant a percentage of the transaction every time you swipe your card. The bank gives you a portion of this fee and keeps the rest for itself to pay expenses and make a profit.
Although many people pay their credit cards off in full each month, not everyone does. The bank also makes money by charging interest to people who carry a balance from month-to-month.
For rates and fees of Delta SkyMiles® Gold American Express Card, please click here.
The information related to Discover it® Cash Back, Capital One Spark Cash for Business and Hilton Honors American Express Surpass® Card has been independently collected by ValuePenguin and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply to American Express credit card offers. See americanexpress.com for more information.
The Capital One Spark Cash for Business card may no longer be available.