Best Credit Cards for Good Credit in 2025: Compare and Save
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Written by
Jasmin Baron
A good credit score is the key to unlocking better financial opportunities, including access to many of the top credit cards on the market today. The best credit cards for good credit offer generous rewards and compelling benefits, and some can save you money with lower interest rates or introductory 0% APR offers.
Credit cards that earn lucrative travel rewards such as the Chase Sapphire Preferred® Card and Capital One Venture Rewards Credit Card fall into this category, as do popular cash-back credit cards like the Chase Freedom Unlimited® and Citi Double Cash® Card, an advertising partner.
With all the options available, it pays to narrow down your choices before you decide on a new card. We’ll share our top picks and what to consider before you choose a credit card for good credit.
Quick Overview: Best Cash-Back Credit Cards for Good Credit
| Our Choice For | Credit Range | Annual Fee | Highlights | |
|---|---|---|---|---|
|
Cash Back on Groceries |
Good – Excellent
|
$0 intro annual fee for the first year, then $95. |
Earn a welcome offer and 1% – 6% cash back Earn 6% cash back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
Earn 6% cash back on select U.S. streaming subscriptions. Earn 3% cash back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more). Earn 1% cash back on other purchases. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
Apply Now
More Details
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| Flat Rate Cash Back |
Excellent, Good
670 – 850*
|
$0 |
Unlimited 1.5% cash back plus a $300 welcome bonusFor a limited time, earn $300 in welcome bonuses. Enjoy a $100 credit to use towards flights, stays and rental cars booked through Capital One Travel during your first cardholder year. Plus, earn a $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening
Apply Now
More Details
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|
| Cash Back |
Good – Excellent
670 – 850*
|
$0 |
Earn an intro offer worth $200 Intro Offer: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
Apply Now
More Details
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|
| 2% Cash Back |
Excellent/Good
670 – 850*
|
$0 |
Extra long intro APR on balance transfers, generous welcome bonus, and 2% cash back 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. Plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.
Apply Now
More Details
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|
| Cash Back |
Excellent/Good
670 – 850*
|
$0 |
Earn a first year bonus plus 1% – 5% cash back Earn 5% Cash Back At Different Places Each Quarter Up To The Quarterly Maximum When You Activate.
Earn 1% Unlimited Cash Back On All Other Purchases – Automatically
Apply Now
More Details
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| Cash Back |
Excellent/Good
670 – 850*
|
$0 |
Earn 2% Cash Rewards plus a $200 bonus Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months
Apply Now
More Details
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Detailed Overview: Best Cash-Back Credit Cards for Good Credit
Great For Everyday Spending
Blue Cash Preferred® Card from American Express
Top Feature
Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.
Purchase & Balance Transfer APR
0% intro APR on purchases and on balance transfers for 12 months from the date of account opening, then 19.99%-28.99% Variable APR
CardCritics™ Opinion
This top-rated cash back card is tailored to families with elevated cash back rates at U.S. supermarkets & gas stations, on streaming services and whole lot more. It also offers a very generous welcome offer and a substantial list of additional perks and statement credit opportunities worth taking advantage of. There is a $0 intro annual fee for the first year, then $95.
Recommended Credit Score
Good – Excellent
Annual Fee
$0 intro annual fee for the first year, then $95.
Cash Rewards
1% – 6% Earn 6% cash back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
Earn 6% cash back on select U.S. streaming subscriptions.
Earn 3% cash back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
Earn 1% cash back on other purchases.
Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
Earn 6% cash back on select U.S. streaming subscriptions.
Earn 3% cash back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
Earn 1% cash back on other purchases.
Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
Card Details From Issuer
- Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.
- $0 intro annual fee for the first year, then $95.
- Low Intro APR: 0% intro APR on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.99% – 28.99%.
- Plan It®: Buy now, pay later with Plan It. Split purchases of $100 or more into equal monthly installments with a fixed fee so you don’t have the pressure of paying all at once. Simply select the purchase in your online account or the American Express® App to see your plan options. Plus, you’ll still earn rewards on purchases the way you usually do.
- Earn 6% cash back at U.S. supermarkets on up to $6,000 per year in eligible purchases (then 1%), 6% cash back on select U.S. streaming subscriptions, 3% cash back at eligible U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more) purchases and 1% cash back on other purchases. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
- Get up to a $10 monthly statement credit after using your enrolled Blue Cash Preferred® Card for a subscription purchase, including a bundle subscription purchase, at disneyplus.com, Hulu.com, or Plus.espn.com U.S. websites. Subject to auto-renewal.
- Apply with confidence. Know if you’re approved for a Card with no impact to your credit score. If you’re approved and you choose to accept this Card, your credit score may be impacted.
- Terms Apply.
Earn a $300 Bonus Plus Ongoing Cash Back
Capital One Quicksilver Cash Rewards Credit Card
Top Feature
For a limited time, earn $300 in welcome bonuses. Enjoy a $100 credit to use towards flights, stays and rental cars booked through Capital One Travel during your first cardholder year. Plus, earn a $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening
Purchase & Balance Transfer APR
0% intro on purchases and balance transfers for 15 months, then 19.24% – 29.24% (Variable)
CardCritics™ Opinion
Recommended Credit Score
Excellent, Good (670 – 850*)
Annual Fee
$0
Rewards
1.5% – 5% Earn unlimited 1.5% cash back on every purchase, every day
Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel
Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel
Card Details From Issuer
- LIMITED-TIME OFFER: Earn $300 in welcome bonuses. Enjoy a $100 credit to use towards flights, stays and rental cars booked through Capital One Travel during your first cardholder year. Plus, earn a $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase, every day
- $0 annual fee and no foreign transaction fees
- Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel
- No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won’t expire for the life of the account and there’s no limit to how much you can earn
- 0% intro APR on purchases and balance transfers for 15 months; 19.24% – 29.24% variable APR after that; balance transfer fee applies
Huge Earning Potential and No Annual Fee
Chase Freedom Unlimited®
Top Feature
Intro Offer: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
Purchase & Balance Transfer APR
0% Intro APR on Purchases and Balance Transfers for 15 months, then 18.99% – 28.49% Variable
CardCritics™ Opinion
The Chase Freedom Unlimited® card offers a generous and unlimited base rate of 1.5% cash back on all of your purchases while also providing an even higher rate on travel purchased through Chase Travel℠, dining at restaurants and purchases at drugstores. You can earn a welcome bonus of $200 cash back after you spend $500 on purchases in the first three months of account opening. You can also save money on interest with a lengthy intro APR on purchases and balance transfers. Plus, if you hold other Chase cards like the Chase Sapphire Preferred® Card, you can combine your rewards to make them even more valuable.
Recommended Credit Score
Good – Excellent (670 – 850*)
Annual Fee
$0
Cash Back
1.5% – 5% Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases
Card Details From Issuer
- Intro Offer: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
- Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.
- No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
- Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.99% – 28.49%.
- No annual fee – You won’t have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
- Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
- Member FDIC
Top-rated for Balance Transfers and 2% Cash Back
Citi Double Cash® Card
Top Feature
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.
Purchase & Balance Transfer APR
0% Intro APR on balance transfers for 18 months, then 18.24% – 28.24% (Variable). A 18.24% – 28.24% (Variable) APR will apply for purchases.
CardCritics™ Opinion
If you are looking for an easy-to-understand, flat-rate, cash back credit card that pays an above-average rate of 2% (1% when you buy and 1% as you pay) then this card will be a great fit. You can earn a welcome bonus that puts even more cash in your pocket and if you carry a balance on another card, this is a great place to transfer it to so you can take advantage of the introductory balance transfer offer.
Recommended Credit Score
Excellent/Good (670 – 850*)
Annual Fee
$0
Cash Back
2% 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. Plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.
Card Details From Issuer
- 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.
- 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. Plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.
- Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 18.24% – 28.24%, based on your creditworthiness.
- Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
- If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
- There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
0% intro APR Until 2026 & Cash Back
Discover it® Cash Back
Top Feature
Discover will match all the cash back you’ve earned at the end of your first year.
Purchase & Balance Transfer APR
0% Intro APR on purchases and on balance transfers for 15 months, then 18.24% – 27.24% Variable APR
CardCritics™ Opinion
This cash back card offers a unique opportunity to earn an unlimited cash back bonus at the end of your first year. If you take advantage of the elevated cash back rate on rotating categories, this end-of-year bonus will really add up. It also offers a generous intro APR on purchases and balance transfers and charges no annual fee, making it a well-rounded option.
Recommended Credit Score
Excellent/Good (670 – 850*)
Annual Fee
$0
Cash Back
1% – 5% Earn 5% Cash Back At Different Places Each Quarter Up To The Quarterly Maximum When You Activate.
Earn 1% Unlimited Cash Back On All Other Purchases – Automatically
Earn 1% Unlimited Cash Back On All Other Purchases – Automatically
Card Details From Issuer
- INTRO OFFER: Unlimited Cashback Match for all new cardmembers–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.
- Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases.
- Redeem cash back for any amount
- Apply now and you could get a decision in as little as 90 seconds. No annual fee.
- Start shopping and earning rewards in minutes with your virtual card, before your physical card arrives in the mail, if eligible.
- Get a 0% intro APR for 15 months on purchases. Then 18.24% to 27.24% Standard Variable Purchase APR applies, based on credit worthiness.
- Terms and conditions apply.
Earn Unlimited 2% Cash Rewards Plus A Bonus
Wells Fargo Active Cash® Card
Top Feature
Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months
Purchase & Balance Transfer APR
0% intro APR for 12 months from account opening on purchases and qualifying balance transfers, then a 19.24%, 24.24%, or 29.24% Variable APR
CardCritics™ Opinion
We really like that the Wells Fargo Active Cash® Card offers a straightforward way to earn cash rewards and a bonus while also providing an intro APR period on purchases and qualifying balance transfers. Earning 2% rewards on purchases is tough to beat and makes this no annual fee card a stand-out option for anyone looking for a low-maintenance cash rewards card that will allow you to accumulate cash rewards quickly.
Recommended Credit Score
Excellent/Good (670 – 850*)
Annual Fee
$0
Cash Rewards
2% Earn unlimited 2% cash rewards on purchases.
Card Details From Issuer
- Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
- Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
- Earn unlimited 2% cash rewards on purchases.
- 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers. 19.24%, 24.24%, or 29.24% variable APR thereafter; 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.
- No categories to track or remember and cash rewards don’t expire as long as your account remains open.
- Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
Quick Overview: Best Travel Credit Cards for Good Credit
| Our Choice For | Credit Range | Annual Fee | Highlights | |
|---|---|---|---|---|
|
Elevated Rewards |
Good – Excellent
|
$325 |
Access to incredible statement credit opportunities
Apply Now
More Details
|
|
Premium Perks & Benefits |
Good – Excellent
|
$895 |
Massive welcome offer opportunity plus several annual statement credits, lounge access and other premium benefits You may be eligible for as high as 175,000 Membership Rewards® Points after spending $8,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.
Apply Now
More Details
|
| $0 Annual Fee Travel Card |
Excellent, Good
670 – 850*
|
$0 |
Earn a welcome bonus and 1.25X – 5X rewards Earn unlimited 1.25X miles on every purchase, every day.
Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel.
Apply Now
More Details
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|
| Elevated Travel Rewards |
Excellent, Good
670 – 850*
|
$95 |
Earn a welcome bonus worth $750 and 2x – 5x rewards Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel.
Earn unlimited 2X miles on every purchase, every day.
Apply Now
More Details
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|
| Travel |
Good – Excellent
670 – 850*
|
$95 |
Incredible rewards redemption value and a welcome bonus worth up to $1,312 in Travel Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. Your points are worth up to 75% more when you redeem them through Chase Travel, making this bonus worth up to $1,312.50.
Apply Now
More Details
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|
| Premium Points |
Excellent/Good
670 – 850*
|
$95 |
Earn up to 10x points per dollar plus a bonus worth 60,000 bonus ThankYou® PointsEarn 60,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com.
Apply Now
More Details
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|
| Travel |
Excellent/Good
670 – 850*
|
$95 |
Strong ongoing rewards, elevated travel perks, plus a bonus worth $600Earn 60,000 bonus points when you spend $4,000 in purchases in the first 3 months – that’s $600 toward your next trip.
Apply Now
More Details
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Detailed Overview: Best Travel Credit Cards for Good Credit
Huge Rewards Earnings Plus A Welcome Offer Opportunity
American Express® Gold Card
Top Feature
You may be eligible for as high as 100,000 Membership Rewards® Points after spending $6,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.
Purchase APR
See Pay Over Time APR
CardCritics™ Opinion
If you are looking to level up your credit card rewards, but aren’t quite ready to commit to platinum-level annual fees then the American Express® Gold Card is likely a great fit for you. It is geared toward travelers and foodies with elevated rewards rates and member perks and benefits tied to those categories. It also offers an incredible welcome offer opportunity and the option to choose between a Gold or Rose Gold metal design.
Recommended Credit Score
Good – Excellent
Annual Fee
$325
Rewards
1X – 4X Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
Card Details From Issuer
- You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
- Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
- Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards® points for Uber Eats purchases made with restaurants or U.S. supermarkets. Point caps and terms apply.
- $84 Dunkin’ Credit: With the $84 Dunkin’ Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin’ locations. Enrollment is required to receive this benefit.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That’s up to $50 in statement credits semi-annually. Enrollment required.
- $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
- Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Terms Apply.
Huge Premium Rewards and Perks
The Platinum Card® from American Express
Top Feature
You may be eligible for as high as 175,000 Membership Rewards® Points after spending $8,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.
Purchase APR
See Pay Over Time APR
CardCritics™ Opinion
A large annual fee on a card often means it comes with valuable perks to make it worthwhile and that is most definitely the case for The Platinum Card® from American Express. You may be eligible for as high as 175,000 Membership Rewards® Points after spending $8,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer. This card also offers a long list of substantial statement credits that will apply to different spending categories or specific merchants. Card members who can take advantage of these credits will get the most out of this card. Select ‘Apply Now’ to learn more about the current offerings.
Recommended Credit Score
Good – Excellent
Annual Fee
$895
Rewards
1x – 5x 5 Membership Rewards points per dollar spent on flights booked directly with airlines or with American Express Travel®, on up to $500,000 spent per year.
5 points per dollar on prepaid hotels booked with American Express Travel®.
1 point per dollar on all other purchases.
Terms apply.
5 points per dollar on prepaid hotels booked with American Express Travel®.
1 point per dollar on all other purchases.
Terms apply.
Card Details From Issuer
- You may be eligible for as high as 175,000 Membership Rewards® points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
- Get more for your travels with 5X Membership Rewards® points on all flights and prepaid hotel bookings through American Express Travel®, including Fine Hotels + Resorts® and The Hotel Collection bookings. You earn 5X points on flights purchased directly from airlines or through American Express Travel® on up to $500,000 on these purchases per calendar year.
- More Value! With over 1,550 airport lounges – more than any other credit card company on the market* – enjoy the benefits of the Global Lounge Collection®, over $850 of annual value, with access to Centurion Lounges, 10 complimentary Delta Sky Club® visits when flying on an eligible Delta flight (subject to visit limitations), Priority Pass Select membership (enrollment required), and other select partner lounges. * As of 07/2025.
- More Value! $200 Uber Cash + $120 Uber One Credit: With the Platinum Card® you can receive $15 in Uber Cash each month plus a bonus $20 in December when you add your Platinum Card® to your Uber account to use on rides and orders in the U.S when you select an Amex Card for your transaction. Plus, when you use the Platinum Card® to pay for an auto-renewing Uber One membership, you can get up to $120 in statement credits each calendar year. Terms apply.
- More Value! $300 Digital Entertainment Credit: Get up to $25 in statement credits each month after you pay for eligible purchases with the Platinum Card® at participating partners. Enrollment required.
- More Value! $600 Hotel Credit: Get up to $300 in statement credits semi-annually on prepaid Fine Hotels + Resorts® or The Hotel Collection* bookings through American Express Travel® using the Platinum Card®. *The Hotel Collection requires a minimum two-night stay.
- New! $400 Resy Credit + Platinum Nights by Resy: When you use the Platinum Card® to pay at U.S. Resy restaurants and to make other eligible purchases through Resy, you can get up to $100 in statement credits each quarter with the $400 Resy Credit benefit. Plus, with Platinum Nights by Resy, you can get special access to reservations on select nights at participating in demand Resy restaurants with the Platinum Card®. Simply add your eligible Card to your Resy profile to book and discover Platinum Nights reservations near you, enrollment required.
- More Value! $209 CLEAR® Plus Credit: CLEAR® Plus helps get you to your gate faster by using unique facial attributes to verify you are you at 50+ airports nationwide. You can cover the cost of a CLEAR Plus Membership* with up to $209 in statement credits per calendar year after you pay for CLEAR Plus with the Platinum Card®. *Excluding any applicable taxes and fees. Subject to auto-renewal.
- $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees, such as checked bags and in-flight refreshments, are charged by the airline to the Platinum Card® Account*. American Express relies on airlines to submit the correct information on airline transactions to identify incidental fee purchases. If you do not see a credit for a qualifying incidental purchase on your eligible Card after 8 weeks, simply call the number on the back of your Card. Qualifying airlines are subject to change. See terms & conditions for more details.
- Start your vacation sooner, and keep it going longer. When you book Fine Hotels + Resorts® through American Express Travel®, enjoy noon check-in upon arrival, when available, and guaranteed 4PM check-out.
- New! $300 lululemon Credit: Enjoy up to $75 in statement credits each quarter when you use the Platinum Card® for eligible purchases at U.S. lululemon retail stores (excluding outlets) and lululemon.com. That’s up to $300 in statement credits each calendar year. Enrollment required.
- $155 Walmart+ Credit: Receive a statement credit* for one monthly Walmart+ membership (subject to auto-renewal) after you pay for Walmart+ each month with the Platinum Card®. *Up to $12.95 plus applicable local sales tax. Plus Ups not eligible.
- $100 Saks Credit: Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue or saks.com on the Platinum Card®. That’s up to $50 in statement credits from January through June and up to $50 in statement credits from July through December. No minimum purchase required. Enrollment required.
- Whenever you need us, we’re here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
- $895 annual fee.
- Terms Apply.
Bonus Worth $300 In Travel + No Annual Fee
Capital One VentureOne Rewards Credit Card
Top Feature
For a limited time, earn $300 in travel bonuses. Enjoy $100 to use on Capital One Travel in your first cardholder year, plus earn 20,000 bonus miles once you spend $500 on purchases within the first 3 months from account opening – that’s equal to $300 in travel
Purchase & Balance Transfer APR
0% intro on purchases and balance transfers for 15 months, then 19.24% – 29.24% (Variable)
CardCritics™ Opinion
The Capital One VentureOne Rewards Credit Card is an excellent choice for travelers who are looking to keep it simple. Since it’s a no annual fee card, it doesn’t offer premium travel perks, but comes with added protections that will be useful on your trips and will earn you valuable rewards that can be transferred to several airline and hotel partners.
Recommended Credit Score
Excellent, Good (670 – 850*)
Annual Fee
$0
Rewards
1.25X – 5X Earn unlimited 1.25X miles on every purchase, every day.
Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel.
Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel.
Card Details From Issuer
- LIMITED-TIME OFFER: Earn $300 in travel bonuses. Enjoy $100 to use on Capital One Travel in your first cardholder year, plus earn 20,000 bonus miles once you spend $500 on purchases within the first 3 months from account opening – that’s equal to $300 in travel
- $0 annual fee and no foreign transaction fees
- Earn unlimited 1.25X 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
- Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel
- Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
- Transfer your miles to your choice of 15+ travel loyalty programs
- Enjoy 0% intro APR on purchases and balance transfers for 15 months; 19.24% – 29.24% variable APR after that; balance transfer fee applies
Solid Bonus & Rewards Plus Travel Perks
Capital One Venture Rewards Credit Card
Top Feature
Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel.
Purchase & Balance Transfer APR
19.99% – 29.24% (Variable)
CardCritics™ Opinion
Recommended Credit Score
Excellent, Good (670 – 850*)
Annual Fee
$95
Rewards
2x – 5x Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel.
Earn unlimited 2X miles on every purchase, every day.
Earn unlimited 2X miles on every purchase, every day.
Card Details From Issuer
- Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
- Earn unlimited 2X miles on every purchase, every day
- Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel
- Miles won’t expire for the life of the account and there’s no limit to how many you can earn
- Receive up to a $120 credit for Global Entry or TSA PreCheck®
- Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
- Enjoy a $50 experience credit and other premium benefits with every hotel and vacation rental booked from the Lifestyle Collection
- Transfer your miles to your choice of 15+ travel loyalty programs
75,000 Bonus Point Offer
Chase Sapphire Preferred® Card
Top Feature
Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
Purchase & Balance Transfer APR
19.99% – 28.24% Variable
CardCritics™ Opinion
The Chase Sapphire Preferred® Card is the perfect card for someone who is looking to level-up their travel game. Since it comes with a substantial welcome bonus, you will be well on your way to booking your next trip once you hit the spending requirement. As you earn more rewards through this card’s travel and dining bonus categories, you can explore Chase’s hotel and airline transfer partners or redeem your points for travel through Chase Travel℠ for up to 75% more value. And if you take advantage of the many perks this card offers, you will quickly offset the $95 annual fee.
Recommended Credit Score
Good – Excellent (670 – 850*)
Annual Fee
$95
Rewards
1x – 5x Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.
Card Details From Issuer
- Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
- Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases
- Earn up to $50 in statement credits each account anniversary year for hotel stays through Chase Travel℠
- 10% anniversary points boost – each account anniversary you’ll earn bonus points equal to 10% of your total purchases made the previous year.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- Complimentary DashPass which unlocks $0 delivery fees & lower service fees for a min. of one year when you activate by 12/31/27. Plus, a $10 promo each month on non-restaurant orders.
- Member FDIC
Elevated Travel Rewards Plus A Generous Bonus
Citi Strata Premier® Card
Top Feature
Earn 60,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com.
Purchase & Balance Transfer APR
20.24% – 28.24% (Variable)
CardCritics™ Opinion
Recommended Credit Score
Excellent/Good (670 – 850*)
Annual Fee
$95
Rewards
1x – 10x 10x on Hotels, Car Rentals, and Attractions booked through CitiTravel.com. Earn 3 Points per $1 spent on Air Travel and Other Hotel Purchases. Earn 3 Points per $1 spent on Restaurants. Earn 3 Points per $1 spent on Supermarkets. Earn 3 Points per $1 spent on Gas and EV Charging Stations. Earn 1 Point per $1 spent on All Other Purchases $100 Annual Hotel Benefit: Once per calendar year, enjoy $100 off a single hotel stay of $500 or more (excluding taxes and fees) when booked through CitiTravel.com. Benefit applied instantly at time of booking. Travel insurance protection: Trip Cancellation and Trip Interruption (Common Carrier), Trip Delay, Lost or Damaged Luggage, MasterRental Coverage (Car Rental).
Card Details From Issuer
- Earn 60,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com.
- Earn 10 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com.
- Earn 3 Points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations.
- Earn 1 Point per $1 spent on all other purchases
- $100 Annual Hotel Benefit: Once per calendar year, enjoy $100 off a single hotel stay of $500 or more (excluding taxes and fees) when booked through CitiTravel.com. Benefit applied instantly at time of booking.
- No expiration and no limit to the amount of points you can earn with this card
- No Foreign Transaction Fees on purchases
Elevated Travel Rewards Plus A Massive Bonus
Wells Fargo Autograph Journey℠ Card
Top Feature
Earn 60,000 bonus points when you spend $4,000 in purchases in the first 3 months – that’s $600 toward your next trip.
Purchase & Balance Transfer APR
20.24%, 25.24%, or 29.24% Variable APR
CardCritics™ Opinion
This is a great match for frequent travelers who are seeking strong ongoing rewards, a hefty welcome bonus and a significant list of travel perks and credits. This card does allow you to transfer your points to other travel rewards programs, but that transfer list is a bit more limited than some of its competitor cards.
Recommended Credit Score
Excellent/Good (670 – 850*)
Annual Fee
$95
Rewards
1X – 5X Earn unlimited 5X points on hotels, 4X points on airlines, 3X points on other travel and restaurants, and 1X points on other purchases.
Card Details From Issuer
- Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
- Earn 60,000 bonus points when you spend $4,000 in purchases in the first 3 months – that’s $600 toward your next trip.
- Earn unlimited 5X points on hotels, 4X points on airlines, 3X points on other travel and restaurants, and 1X points on other purchases.
- $95 annual fee.
- Book your travel with the Autograph Journey Card and enjoy Travel Accident Insurance, Lost Baggage Reimbursement, Trip Cancellation and Interruption Protection and Auto Rental Collision Damage Waiver.
- Earn a $50 annual statement credit with $50 minimum airline purchase.
- Up to $1,000 of cell phone protection against damage or theft. Subject to a $25 deductible.
- Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
Quick Overview: Best Low-Interest and Balance Transfer Cards for Good Credit
| Our Choice For | Credit Range | Annual Fee | Highlights | |
|---|---|---|---|---|
| Balance Transfers |
Excellent/Good
670 – 850*
|
$0 |
Citi Entertainment® Perks & an incredibly long intro APR on balance transfers 0% intro APR for 12 months on Purchases and 21 months on Balance Transfers then 17.24% – 27.99% (Variable)
Apply Now
More Details
|
|
| Balance Transfers |
Excellent/Good
670 – 850*
|
$0 |
No Late Fees & an incredibly long intro APR on balance transfers 0% Intro APR on purchases for 12 months and 0% Intro APR on balance transfers for 21 months, then 18.24% – 28.99% (Variable)
Apply Now
More Details
|
|
| Balance Transfer Intro APR |
Good – Excellent
670 – 850*
|
$0 |
Long intro APR on balance transfers 0% introductory APR on balance transfers for the first 18 billing cycles after account opening. After that 18.24% – 28.24% variable APR based on your creditworthiness. A 18.24%, 20.24%, 23.24%, 26.24% or 28.24% variable APR based on your creditworthiness applies to purchases.
Apply Now
More Details
|
|
| Balance Transfers for Military Members |
Good – Excellent
600 – 850
|
$0 |
Pay no interest for 15 months on balance transfers. Get a 0% intro APR for 15 months on balance transfers and convenience checks that post within 90 days of account opening. After this time, the 11.15% to 25.15% variable regular APR will apply to introductory balances. A 11.15% to 25.15% variable regular APR will apply for purchases.
Apply Now
More Details
|
|
| Intro APR |
Excellent/Good
670 – 850*
|
$0 |
Pay no interest for nearly 2 years 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers, then a 17.24%, 23.74%, or 28.99% Variable APR
Apply Now
More Details
|
|
| Cellphone Protection |
Good/Excellent Credit
670 – 850*
|
None |
0% APR for 21 billing cycles0% Intro APR for 21 billing cycles on purchases and balance transfers, then 17.74% – 28.74% (Variable)
Full Review
More Details
|
Detailed Overview: Best Low-Interest and Balance Transfer Credit Cards for Good Credit
Extremely long intro APR on Balance Transfers Plus Citi Entertainment® Perks
Citi® Diamond Preferred® Card
Top Feature
Special access to tickets and events with Citi Entertainment
Purchase & Balance Transfer APR
0% intro APR for 12 months on Purchases and 21 months on Balance Transfers then 17.24% – 27.99% (Variable)
CardCritics™ Opinion
The Citi® Diamond Preferred® Card is a strong option for those looking to complete a balance transfer. The balance transfer fee is on the higher side so make sure you factor that in. There are no ongoing rewards or cash back benefits, making it less appealing for those seeking ongoing incentives for their spending.
Recommended Credit Score
Excellent/Good (670 – 850*)
Annual Fee
$0
Rewards
N/A
Card Details From Issuer
- 0% Intro APR on balance transfers for 21 months and on purchases for 12 months from date of account opening. After that the variable APR will be 17.24% – 27.99%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
- There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
- Get free access to your FICO® Score online.
- With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
- No Annual Fee – our low intro rates and all the benefits don’t come with a yearly charge.
No Late Fees, No Penalty Rate, and No Annual Fee
Citi Simplicity® Card
Top Feature
No Late Fees, No Penalty Rate, and No Annual Fee
Purchase & Balance Transfer APR
0% Intro APR on purchases for 12 months and 0% Intro APR on balance transfers for 21 months, then 18.24% – 28.99% (Variable)
CardCritics™ Opinion
If you’re looking to optimize your credit card interest payments, a balance transfer card is rated based on how much time the card issuer gives you to pay down your existing balance without any interest payments. With 21 full months of 0% interest on balance transfers it’s easy to see why the Citi Simplicity® Card is our top-rated balance transfer card.
Recommended Credit Score
Excellent/Good (670 – 850*)
Annual Fee
$0
Rewards
N/A
Card Details From Issuer
- No Late Fees, No Penalty Rate, and No Annual Fee… Ever
- 0% Intro APR on balance transfers for 21 months and on purchases for 12 months from date of account opening. After that the variable APR will be 18.24% – 28.99%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
- There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
- Stay protected with Citi® Quick Lock
Strong Balance Transfer Offer for Consumers in Specific States
TD FlexPay Credit Card
Top Feature
Visa benefits and late fee forgiveness
Purchase & Balance Transfer APR
0% introductory APR on balance transfers for the first 18 billing cycles after account opening. After that 18.24% – 28.24% variable APR based on your creditworthiness. A 18.24%, 20.24%, 23.24%, 26.24% or 28.24% variable APR based on your creditworthiness applies to purchases.
CardCritics™ Opinion
If you are paying high interest on balances that you want to pay off, the TD FlexPay Credit Card is a good choice. You’ll get an Intro APR on balance transfers so all your payments will go to pay down your debt instead of paying interest. Plus, the first late fee each year is forgiven. It is important to note that that this card is only available to consumers in certain states.
Recommended Credit Score
Good – Excellent (670 – 850*)
Annual Fee
$0
Cash Back
N/A
Card Details From Issuer
- Get built-in flexibility with the TD FlexPay Credit Card
- Our best balance transfer offer
- Get Visa benefits like cell phone protection when you pay your monthly mobile bill with your card
- No annual fee
- Must be a resident of CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA or VT.
Excellent For USAA Members Who Want Low Interest
USAA Rate Advantage Credit Card
Top Feature
USAA proudly offers membership to current and former military, as well as their spouses and dependents.
Purchase & Balance Transfer APR
Get a 0% intro APR for 15 months on balance transfers and convenience checks that post within 90 days of account opening. After this time, the 11.15% to 25.15% variable regular APR will apply to introductory balances. A 11.15% to 25.15% variable regular APR will apply for purchases.
CardCritics™ Opinion
If you carry balances on high-interest credit cards, the USAA Rate Advantage Credit Card could be your get-out-of-debt (almost) free card. You’ll need to be aware that if you transfer balances and then use the card to make purchases, you’ll immediately begin incurring interest on purchases until you pay the card’s entire balance – including transfers – in full. It’s best to use this low intro APR card for balance transfers or convenience checks only until you pay off that initial debt incurred in the first 90 days and keep a rewards card on hand for regular purchases so that you can earn cashback. This card also offers a tremendous range of travel and shopping benefits, including cell phone coverage.
Recommended Credit Score
Good – Excellent (600 – 850)
Annual Fee
$0
Cash Back
N/A
Card Details From Issuer
- Must be a USAA® member, or become a member, to apply. USAA proudly offers membership to current and former military, as well as their spouses and dependents.
- Intro Offer: Get a 0% intro APR for 15 months on balance transfers and convenience checks that post within 90 days of account opening. After this time, the variable regular APR of 11.15% to 25.15% will apply to introductory balances.
- A fee of 5% of the amount of each balance transfer, cash advance and convenience check applies. If you transfer a balance or write a convenience check to take advantage of the introductory rate offer, you will immediately incur interest on purchases until you pay your balance in full, including any transferred balances.
- No annual fee.
- No foreign transaction fees.
- 11.15% to 25.15% variable regular APR.
- See Rates and Fees for details.
Incredibly Long 0% Intro APR on Purchases & Qualifying Balance Transfers
Wells Fargo Reflect® Card
Top Feature
Low deductible cell phone protection
Purchase & Balance Transfer APR
0% intro APR for 21 months from account opening on purchases and qualifying balance transfers, then a 17.24%, 23.74%, or 28.99% Variable APR
CardCritics™ Opinion
This card from Wells Fargo is a standout option for consumers looking to pay less interest on upcoming purchases or wanting to transfer a balance from existing cards with high interest rates. It offers one of the longest intro APR periods available on both purchases and qualifying balance transfers and charges no annual fee.
Recommended Credit Score
Excellent/Good (670 – 850*)
Annual Fee
$0
Rewards
N/A
Card Details From Issuer
- Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
- 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 17.24%, 23.74%, or 28.99% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min: $5.
- $0 annual fee.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
- Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants. It’s an easy way to earn cash back as an account credit when you shop, dine, or enjoy an experience simply by using an eligible Wells Fargo credit card.
Long Low Intro APR Offer + Cellphone Protection
U.S. Bank Visa® Platinum Card
Top Feature
Get up to $600 protection on your cellphone (subject to $25 deductible)
Purchase & Balance Transfer APR
0% Intro APR for 21 billing cycles on purchases and balance transfers, then 17.74% – 28.74% (Variable)
CardCritics™ Opinion
With its extended 0% intro APR on both purchases and balance transfers, this card is a solid choice for anyone needing a break on interest while paying down debt or managing large expenses. However, its lack of rewards may make it less appealing for those who want ongoing perks for everyday spending.
Recommended Credit Score
Good/Excellent Credit (670 – 850*)
Annual Fee
None
Cash Back
N/A
Card Details From Issuer
- 0% Intro APR on purchases and balance transfers for 21 billing cycles. After that, a variable APR currently 18.24% – 29.24%.
- 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 U.S. Bank Visa® Platinum Credit Card. Certain terms, conditions, and exclusions apply.
- Choose a payment due date that fits your schedule.
- No Annual Fee
- Terms and conditions apply.
What Qualifies as Good Credit?
A credit score is a three-digit number, usually between 350 and 850, that gives lenders a snapshot of your creditworthiness — that is, the likelihood you’ll pay back money you borrow based on your past behavior.
Your payment history across all accounts, total amounts borrowed and length of credit history are all factors that affect your credit score.
Understanding the Good Credit Score Range
The most common credit scoring models are FICO and VantageScore, and each defines good credit slightly differently.
FICO defines good credit as a score from 670 to 739, while VantageScore’s good credit range is from 661 to 780. Generally speaking, if you have a credit score in the high 600s or more, you have a better shot at being approved for one of the top credit cards for good credit.
If you continue to demonstrate responsible financial behavior, like always paying your bills in full and on time, your good credit score can be a stepping stone to an excellent credit score. Excellent credit comes with even more advantages, such as lower interest rates, better borrowing terms and access to more exclusive premium credit cards.
How to Choose the Best Credit Card for Good Credit
Knowing your credit score is a good first step toward choosing a credit card with good credit, since it’s unlikely you’ll be approved for a card if your score is below the typical requirement. Most major banks let you check your credit score at no cost through your online account, or you can get free access from sites such as Experian.
Key Factors to Consider When Selecting a Card
Otherwise, your personal goals and financial needs are the biggest factors to look at when picking the right credit card. For example, you should consider:
- Rewards preferences: Do you want to redeem cash back to reduce your expenses, or do you prefer saving up flexible points or travel rewards for a vacation? You’ll also want to look at options with bonus categories that line up with your spending habits to help you easily maximize your credit card rewards.
- APR and fees: If you think you might carry a balance on your card, be sure to check the card’s APR range to avoid getting stung by high interest rates. Additionally, you should weigh a card’s annual fee (if it has one) against its benefits to see if it’s worth it for you, and steer clear of cards with foreign transaction fees if you plan to make international purchases.
- Credit limits: Some cards offer substantial minimum credit limits which can make it tempting to overspend. Assess your own ability to only charge what you can afford to pay off before you commit to opening a new card.
Credit Card Tips for Maintaining Good Credit
You’ve chosen a card, applied and gotten approved. Now what? Having a credit card doesn’t give you free rein to spend with abandon, tempting as it may be. When you use a credit card, you’re borrowing money and promising to pay it back — and how you do so can affect your financial prospects going forward.
Stay in the Good Credit Range (or Better)
The best way to keep your good credit score and even improve it is by treating your new credit card like a debit card. That means only spending what you can afford to pay back each month, paying on time and never missing a payment.
Sure, most cards let you carry a balance, but overspending will cost you — you’ll usually pay interest (unless you’re taking advantage of a 0% APR offer) on amounts you don’t pay off in full by the due date.
Unexpected expenses can always pop up, though, so if you need to carry a balance on your credit card, make at least the minimum payment each month to avoid extra fees, and pay down your debts as quickly as you can. Your credit score will take a hit if your credit utilization ratio gets too high — experts suggest using less than 30% of your available credit to maintain your credit score.
Finding the Best Credit Card for Your Needs
Taking the time to learn about choosing the best credit card when you have good credit is already a smart move. Once you’ve assessed your spending habits to match up with cards that reward you for where you spend the most, you can dive deeper into benefits and rewards that can save you money or even get you a cheap vacation.
Our guide to the best credit cards for good credit is a jumping-off point. Compare your options and read the fine print before you commit to any credit card.
Frequently Asked Questions About Credit Cards for Good Credit
What are the benefits of good credit?
Good credit speaks to your responsibility as a borrower and your ability to follow through on financial commitments. With good credit, lenders may give you better interest rates and terms.
In addition, landlords, insurance companies and even potential employers may see your credit score as a measure of your trustworthiness.
Can I qualify for a rewards card with good credit?
Yes, you can qualify for a rewards card with good credit. In fact, most of the top rewards cards are available to those with good credit or better.
What’s the difference between good and excellent credit?
Credit scoring models vary, but an excellent credit score is typically in the high 700s or better. Excellent credit can get you the very best interest rates and terms on lending products such as credit cards, mortgages, and car loans.
A good credit score may get you similar or slightly less favorable results, depending on the lender. In general, the higher your credit score, the better you’ll fare in all aspects of your financial life.
How Do Our Critics Evaluate the Cards?
All of the credit cards featured on CardCritics™ are assessed using the same criteria. Our critics evaluate fees, interest rates, balance transfer options, introductory bonuses, rewards, additional benefits and the average credit score required for approval.
Editorial Note: Any opinions, analyses, reviews or recommendations expressed are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.
*CardCritics™ references a FICO® 8 score, which is one of many different types of credit scores. A financial institution may use a different score when evaluating your application.