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The FICO credit score range is from 300 and 850. Generally, if your credit score falls between 670 and 739, you have "good" credit, according to FICO, and this could help you qualify for a large number of credit cards with enticing rewards programs and introductory offers.
We reviewed our list of cards to find options that excel in specific categories for individuals with good credit. Here are the winners.
Continue reading below for the benefits and features of the top cards for people with good credit. You can also check out our comparison tool at the bottom of the page to see how each card performs for your spending habits and budget.
The Chase Freedom® is a solid choice for people with good credit due to its outstanding rewards and long-term value.
On the reward front, this card allows users to earn 5% back on up to $1,500 in combined purchases in bonus categories each quarter (activation required). These include things like grocery stores, ground transportation and gas stations.
If you don't think you'll spend a lot in the 5% back categories Chase offers, you could also opt for the Chase Freedom Unlimited® card, which offers a flat 1.5% back on all purchases but no bonus categories.
On top of the rewards, cardholders can Earn a $150 Bonus after spending $500 on purchases in your first 3 months from account opening. That’s a higher bonus than you can get with most no-annual-fee credit cards.
Most people with good credit will, over time, continue to improve their score. If that’s the case, you’ll be able to use the Chase Freedom® in conjunction with other Ultimate Rewards credit cards to get even higher returns. For example, once you have excellent credit, you can get the Chase Sapphire Preferred® Card, and increase the overall value of your Ultimate Rewards points by 25%.
Highlights of the Chase Freedom®
- 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter and 1% back on everything else
- Ability to combine points from this card with other Ultimate Rewards credit cards
- $0 annual fee
Online Shopping: The Best Credit Card for Good Credit Discover it® Cash Back
The Discover it® Cash Back works similarly to the Chase Freedom® in that it awards 5% cash back on rotating categories, up to a quarterly maximum of $1,500 (activation required). For 2020, the categories include grocery stores, Walgreens, and CVS (January-March), gas stations, Uber, Lyft, and wholesale clubs (April-June), restaurants and PayPal (July-September), Amazon.com, Target.com, and Walmart.com (October-December).
While the Chase Freedom® may end up being the best card in the long run due to the flexibility of Ultimate Rewards points, the Discover it® Cash Back is all about optimizing short-term value. New cardmembers will have all of their cash back doubled at the end of the first year. That boosts this card’s rewards rate for those first 12 months and gives you 2% to 10% back on all your purchases during that period. Very few cards will be able to match those kinds of returns.
Highlights Discover it® Cash Back
- Double your cash back at the end of your first year
- No annual fee
Travel: The Best Credit Card for Good Credit
With the card, you'll earn an unlimited 2 miles for every dollar you spend, and you'll get 50,000 bonus miles once you spend $3,000 on purchases with the card within the first three months. The annual fee is $0 intro for first year; $95 after that.
Other cards, such as the Chase Sapphire Preferred® Card, offer the potential for higher rewards but only in certain categories. The Capital One® Venture® Rewards Credit Card gives you the potential to earn a total of 2 points for all types of purchases, regardless of where you spend.
You can use these miles for a broad range of travel expenses, such as airfare, hotel reservations, car rentals and more. You can also transfer miles to Capital One's 16 travel partners.
Arguably the best benefit of the Capital One® Venture® Rewards Credit Card is its sign-up bonus. You'll get 50,000 bonus miles credited to your account after you spend $3,000 with the card within 90 days of opening your account. This is an above-average sign-up bonus amount.
The Capital One® Venture® Rewards Credit Card does come with an annual fee of $0 intro for first year; $95 after that, so it may not be the best choice for people with low to moderate spending. However, since the annual fee is waived for the first year, signing up for one year and taking advantage of the 50,000-mile bonus is a great deal for anyone.
Highlights of the Capital One® Venture® Rewards Credit Card
- Up to 2 miles per $1 on all purchases
- 50,000 bonus miles after you spend $3,000 on purchases in the first 90 days
- $0 intro for first year; $95 after that
Balance Transfer Credit Cards for Good Credit
Citi Simplicity® Card
14.74% - 24.74% (Variable)
- No Late Fees, No Penalty Rate, and No Annual Fee... Ever
- 0% Intro APR on balance transfers for 21 months from date of first transfer. All transfers must be completed in first 4 months. After that, the variable APR will be 14.74% - 24.74%, based on your creditworthiness.
- 0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 14.74% - 24.74%, based on your creditworthiness.
- If you transfer a balance with this offer, after your 0% Intro purchase APR expires, both new purchases and unpaid purchase balances will automatically accrue interest until all balances, including your transferred balances, are paid in full
- There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater.
- The standard variable APR for Citi Flex Plan is 14.74% - 24.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
- Stay protected with Citi® Quick Lock and $0 liability on unauthorized charges
If you're currently paying a high interest rate on debt you hold with another credit card, the Citi Simplicity® Card - No Late Fees Ever may provide some relief.
Long 0% APR Period
The Citi Simplicity® Card - No Late Fees Ever is one of the best credit cards for balance transfers we've seen. It comes with a 21-month 0% APR period on balance transfers and a 12-month 0% APR period on new purchases, meaning this card could be an excellent tool in helping you save money while you pay off your debt. After the intro period, your APR will be 16.24% - 26.24% (Variable), based on your credit score.
Of course, we don't recommend you take on new debt just because of this introductory period, but rather take advantage of the balance transfer offer.
No Late Fees
The Citi Simplicity® Card - No Late Fees Ever will never charge you a late fee if you miss your scheduled payment. Most other cards will charge you a $35 fee for the delayed payment.
This is a small perk, but it may come in handy as you try to take control of your debt.
Highlights of the Citi Simplicity® Card - No Late Fees Ever
- 0% APR on balance transfers for 21 months
- $0 annual fee
- No rewards rates
Compare Credit Cards for Good Credit Based on How You Spend
To find the true best credit card for your particular needs, you should consider how you spend your money each month. The list above gives an overview of cards that excel in broad categories. Those who want a more personalized answer should use our calculator below. Input your estimated monthly budget by category, and the tool will give you our estimate for the value of each card based on what you enter.
Strategy: How to Get 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 (AAOC). 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. They 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 AAOC will be the toughest to overcome. There is not much you can do outside of patiently waiting.
- 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 information related to the Chase Freedom® has been independently collected by ValuePenguin and has not been reviewed or provided by the issuer of this card prior to publication.