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Credit Cards for Good Credit

4.9 4.9 - 114 reviews for top rated card

As you might expect, people with good credit (FICO score: 660-719) get good credit cards. Aside from credit cards for excellent credit, credit cards for people with good credit tend to have the best rewards and lowest rates available in the marketplace. You can build good credit by paying your credit card bills on time every month and by not using all the credit that is available to you. If you are not sure whether you have good credit, try our free credit check or consider whether you meet ALL of the following qualitative criteria: 1.) You’ve had a…show more

    Capital One® VentureOne® Rewards Credit Card


    capital one ventureone rewards credit card
    • 0% Purchases until December 2015
    • 0% Transfers Not Offered
    • Regular Rate 11.9% - 19.9% (V)
    Apply Now at issuer's secure site
    • Annual Fee None
    • Rewards Miles
    • Initial Bonus 20,000 miles
    • Earn Rate 1.25 miles / $1
    • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within the first 3 months, equal to $200 in travel
    • Earn unlimited 1.25 miles on every purchase, every day and pay no annual fee
    • Fly any airline, stay at any hotel, anytime.
    • Travel when you want—no blackout dates.
    • Miles don't expire and there’s no limit to how many you can earn

    Capital One® Venture® Rewards Credit Card


    capital one venture rewards credit card
    • 0% Purchases Not Offered
    • 0% Transfers Not Offered
    • Regular Rate 13.9% - 20.9% (V)
    Apply Now at issuer's secure site
    • Annual Fee $0 for 1st yr, $59 after
    • Rewards Miles
    • Initial Bonus 40,000 miles
    • Earn Rate 2 miles / $1
    • Enjoy a one-time bonus of 40,000 miles once you spend $3,000 on purchases within the first 3 months, equal to $400 in travel.
    • Earn unlimited 2X miles on every purchase, every day.
    • Fly any airline, stay at any hotel, anytime.
    • Travel when you want—no blackout dates.
    • Miles don't expire and there’s no limit to how many you can earn

    Capital One® Platinum Prestige Credit Card


    capital one platinum prestige credit card
    • 0% Purchases until March 2016
    • 0% Transfers until March 20163% Transfer Fee
    • Regular Rate 10.9% - 18.9% (V)
    Apply Now at issuer's secure site
    • Annual Fee None
    • Rewards None

    Capital One® Quicksilver® Cash Rewards Credit Card


    capital one quicksilver cash rewards credit card
    • 0% Purchases until September 2015
    • 0% Transfers until September 20153% Transfer Fee
    • Regular Rate 12.9% - 22.9% (V)
    Apply Now at issuer's secure site
    • Annual Fee None
    • Rewards Cash Back
    • Initial Bonus $100
    • Earn Rate 1.5% cash back
    • One-time $100 bonus after you spend $500 on purchases within the first 3 months.
    • Earn unlimited 1.5% cash back on every purchase, every day.
    • No rotating categories and no sign ups needed to earn cash rewards.
    • Cash back doesn't expire and there’s no limit to how much you can earn

    Chase Slate®


    slate credit card
    • 0% Purchases 15 months
    • 0% Transfers 15 monthsNo Transfer Fee
    • Regular Rate 12.99% - 22.99% (V)
    Apply Now at issuer's secure site
    • Annual Fee $0
    • Rewards None

    TrueEarnings® Card from Costco and American Express


    costco credit card
    • 0% Purchases 6 months
    • 0% Transfers Not Offered
    • Regular Rate 15.24% (V)
    Apply Now at issuer's secure site
    • Annual Fee $0
    • Rewards Cash Back
    • Initial Bonus None
    • Earn Rate 1% - 3% cash back
    • Earn cash back: 3% US gas stations up to $4,000 per year in purchases; 2% US restaurants & eligible travel; 1% other purchases. See details.
    • You will receive your cash back annually in the form of a reward coupon
    • The Two-In-One Card: it's an American Express® Card and Costco membership Card, with no annual fee for Costco members
    • Maximize your cash back: Add additional Card Members to help get more cash back for you, also with no annual fee for Costco members
    • Terms and restictions apply.

    Citi® / AAdvantage® Platinum Select® MasterCard®


    aadvantage credit card
    • 0% Purchases Not Offered
    • 0% Transfers Not Offered
    • Regular Rate 13.99% - 21.99% (V)
    Apply Now at issuer's secure site
    • Annual Fee $95, waived for first 12 months*
    • Rewards Miles
    • Initial Bonus 50,000 miles
    • Earn Rate 1 - 2 miles / $1
    • Earn 50,000 American Airlines AAdvantage® bonus miles and 2 Admirals Club® Passes after making $3,000 in purchases within the first 3 months of account opening*
    • Your first eligible checked bag is free*
    • Group 1 boarding and 25% savings on eligible in-flight purchases*
    • Earn a $100 American Airlines Flight Discount every cardmembership year with qualifying purchases and cardmembership renewal*
    • Double AAdvantage® miles on eligible American Airlines purchases*
    • Earn 10% of your redeemed AAdvantage® miles back – up to 10,000 AAdvantage® miles each calendar year*

    Marriott Rewards® Premier Credit Card


    marriott rewards credit card
    • 0% Purchases Not Offered
    • 0% Transfers Not Offered
    • Regular Rate 15.99% (V)
    Apply Now at issuer's secure site
    • Annual Fee None 1st yr, $85 after
    • Rewards Points
    • Initial Bonus 50,000 points
    • Earn Rate 1 - 5 points / $1
    • Earn 50,000 Points after spending $1,000 in your first 3 months from account opening
    • Receive 1 Free Night Stay after account approval in Category 1-4 locations, that’s up to 7 Free Nights
    • Receive 1 additional free night stay at a Category 1-5 location every year after your account anniversary date!
    • For every $1 spent, earn 5 points at 3,800 Marriott locations, 2 points on airline ticket purchases directly with airlines, at car rental agencies & restaurants and 1 point everywhere else
    • Receive 15 credits guaranteeing Silver Elite Status or better
    • Unlimited Point Accumulation

    British Airways Visa Signature® Card


    british airways credit card
    • 0% Purchases Not Offered
    • 0% Transfers Not Offered
    • Regular Rate 15.99% (V)
    Apply Now at issuer's secure site
    • Annual Fee None 1st yr, $95 after
    • Rewards Miles
    • Initial Bonus 50,000 miles
    • Earn Rate 1.25 - 2.5 miles / $1
    • You will get 50,000 bonus Avios after you make $2,000 in purchases within the first 3 months of account opening.
    • Every calendar year you make $30,000 in purchases on your British Airways Visa card, you’ll earn a Travel Together Ticket good for two years.
    • In addition to the bonus Avios, you will also get 2.5 Avios for every $1 spent on British Airways purchases and 1.25 Avios for every $1 spent on all other purchases.
    • Smart Chip Technology allows you to use your card for chip based purchases in Europe & beyond, while still giving you the ability to use your card as you do today at home.

    Playstation® Card from Capital One®


    playstation credit card
    • 0% Purchases until October 2015
    • 0% Transfers Not Offered
    • Regular Rate 13.9% - 24.9% (V)
    Apply Now at issuer's secure site
    • Annual Fee None
    • Rewards Points
    • Initial Bonus 5,000 points
    • Earn Rate 1 - 10 points/$1
    • Earn 5,000 bonus points after your first purchase in the first 90 days.
    • 10 points per $1 spent on all Playstation® Store purchases.
    • 3 points per $1 spent on Playstation ® and Sony purchases at Sony Store and store.sony.com.
    • 3 points per $1 spent on quick service restaurants, movie theatres & your mobile phone bill.
    • 1 point per $1 spent on all other purchases.
    • Redeem for Sony products, movies, music & more.
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    Ask our Experts
    EXPERT’S ANSWERS

    What sets credit cards for good credit apart?

    By: Odysseas Papadimitriou, CardHub CEOWhile credit cards for good credit are a notch below excellent credit credit cards, most credit cards in this segment are made available to both people with excellent credit and people with good credit. The APR for such cards are usually listed as a range and depend on the applicant’s credit worthiness. As a result, people with good credit tend to wind up with APRs on the high side of the range and people with excellent credit on the low side. Responsible use of a credit card for good credit is also a stepping store for excellent credit credit card eligibility. And, given the relatively close correlation between these two card segments, good credit credit cards are where rewards really start to get interesting.

    What are the best credit cards for good credit?

    By: Odysseas Papadimitriou, CardHub CEOThe best credit card for good credit is one that meets your needs. If you pay your bill in full every month, it’s a rewards credit card for good credit. If not, the best card for you is then a 0% APR credit card for good credit or a balance transfer credit card for good credit. Therefore, I suppose you could say there are many “best credit cards for good credit” out there. It all depends on who you are as a consumer and whether or not you use a card for its intended purpose.

    How long does it take to qualify for a good credit credit card?

    By: John Kiernan, Personal Finance EditorThere is no hard-and-fast timetable for reaching good credit, as this depends on whether you’re new to credit or have a long credit history with peaks and valleys. However, in general, you need at least three years of flawless credit card use (i.e. making on-time payments every month) and to have already garnered approval for an unsecured credit card with a limit close to $5,000. You must also have enough disposable income to justify a new “loan” of at least $5,000. After all, potential creditors need proof that you can use credit responsibly and that you have the resources necessary to pay for whatever purchases your new credit card allows you to make.
    COMMUNITY DISCUSSION

    Ask a question or help others find the best credit cards for good credit by sharing some tips.

     
    Nov 18, 2014
    By:
    Nov 18, 2014
    What's the best card
    Sep 4, 2014
    By:
    Sep 4, 2014
    I think that when it comes to good credit vs. excellent credit cards, it mostly depends on the company. Excellent credit credit cards are great because you have lower interest, lower fees, and more benefits- but at the same time, depending on the company, credit cards for people with low credit could actually be better or at least just as good. With a credit card that is meant for people with decent credit, there are probably more features that are geared towards people who are looking to improve their credit. So it really comes down to the card holder, rather than what kind of credit you need to get it.
    Aug 16, 2014
    By:
    Aug 16, 2014
    Credit cards are better for those with good rather than excellent credit. If you have excellent credit, chances are, you do not need credit or loans to enhance the score. However, someone with good credit may want to boost their credit score by enrolling in a credit card program and paying their payments on time. The only problem is that some credit cards offer more stipulations, including rolling fees that may damage or decrease one's credit score regardless of their existing credit rating.
    Jul 18, 2014
    By:
    Jul 18, 2014
    I think when it comes to credit cards, it’s really up to the cardholder, it terms of what kind of credit they end up developing over time. Credit cards can truly be a very dangerous place to go if one decides to abuse it. Personally, I know my credit is at least “decent”, because I was approved for an “excellent” credit card; however, I have never really used it to develop much of a higher credit level. I do believe that such cards with those with higher credit can be beneficial, when it comes to the benefits, such as rewards or cash points, etc. But at the end of the more
    Dec 19, 2014
    Photo of Courtney I.
    Dec 19, 2014
    You make a really great point Brian! I think when you open credit cards you need to be careful and responsible when using them. If you are careful, that is when you should look into rewards such as cash back or travel perks.
    Jun 18, 2014
    By:
    Jun 18, 2014
    I feel like cards for people with good credit can be great cards for people with excellent credit as well. For me, I have good credit which I have worked hard to build. With Chase my limit is under $10k and I want to keep it that way even if I am eligible for a new card in the future. My reasoning is, at that limit I will never be able to overspend so far I can't fix it. I got good credit by controlling my spending and I think keeping the same card would help me keep that credit. Basically getting a new card might make me feel like more
    May 13, 2014
    By:
    May 13, 2014
    Sometimes, using credit is a necessary evil. There are upsides and downsides to every card. One must use their best judgement when deciding which card to use. Usually, cards for people with great credit are better than those for people with good credit, but there are always exceptions. You shouldn't just assume. But, using credit at all has its cons. You should try to avoid it as much as you can. Living a life not indebted to others is freeing.
    Apr 30, 2014
    By:
    Apr 30, 2014
    All credit cards can be good and bad. No matter what your credit rating if you have credit cards with high limits you have a lot of spending power, however, you also have the ability to have a lot of debt. Using credit wisely is the key. Try picking a credit card that has no annual fee and if you use it, pay it off every month to avoid any interest fees. Check also to see if they have any rewards.
    Apr 6, 2014
    By:
    Apr 6, 2014
    In my opinion, credit cards that cater to consumers with excellent credit are definitely better than credit cards for good credit. Even though good credit is something to be very proud of, in most cases having excellent credit will get you better interest rates, better rewards and sometimes even better customer service as well as a higher initial borrowing limit. I had excellent credit at one point and while I was working my way towards it, I applied and was approved for Capital One's VentureOne card. My experience with that card was satisfactory; good customer service, great fraud protection and a decent interest rate as well as a wonderful miles more
    Mar 20, 2014
    By:
    Mar 20, 2014
    I looked for a good credit card for a long time and after a few weeks decided to go with the Capital One Quicksilver Cash Rewards Card.The things i love most about this card is that there is no annual fee and the 100 dollar initial bonus really helps and you get all the benefits of AMEX without the annual fee. This really makes this card stand out as a "good credit" card.Personally I think that cards for people with good credit and cards for people with excellent credit are about the same. Now mind you the cards that are offered for excellent credit have much lower rates and offer more
    Mar 15, 2014
    By:
    Mar 15, 2014
    In general, cards that require excellent credit are usually better than those that require good credit. From the list above, there are a few cards that are worth getting. Specifically, the Costco True Earnings AMEX and the Capital One Quicksilver Cash Rewards credit card are worth having. The Capital One Quicksilver card offers 1.5% flat cash back on all purchases, which is better than many of the "excellent credit" cards. In fact, it's one of the best when it comes to cash back. The Costco card is great because, as a Costco member, you get all the benefits of AMEX without the annual fee. This really makes this card stand more
    Mar 28, 2014
    Photo of Christopher J.
    Mar 28, 2014
    I agree with you on the Costco card being an all around good value. If you have good enough credit for it, it offers a lot of cash back options for those people who also frequent Costco. The 3% back on gas is great for someone like me who is filling up two cars multiple times per week.
    Feb 23, 2014
    By:
    Feb 23, 2014
    I think that cards that require good credit are not any better than cards that do not require good credit. For one, every card will have its fees, regulations, etc. Maybe a card that requires good credit will have a little better deal regarding lower fees, etc, but it won't be significant enough to the point that it really makes a big difference. You could always get hit with fees from cards that require good credit. They could even charge you higher fees with these cards because they know you have good credit, and they could say that if you mess up, your penalty is a lot higher. It could more
    Feb 13, 2014
    By:
    Feb 13, 2014
    Credit cards for people with good credit are about as good as cards for people with excellent credit. You can get the same perks such as no annual fee, and percent cash back on purchases. You may miss out on the lowest interest rate, but honestly, credit card interest is usually pretty high anyway.
    Feb 2, 2014
    By:
    Feb 2, 2014
    All things constant, cards requiring excellent credit generally have more to offer, as the issuing bank assumes less risk, and can therefore afford to offer better benefits. However, that does not necessarily mean that an "excellent" card is always more appealing than a "good" card; there are several great "good" cards out there that measure up favorably ( I consider my QuickSilver to be one). It really varies by the issuer, the consumer's preferences and their spending habits. One thing is certain: by making on-time payments and getting your credit to "excellent" status, you can ensure you are able to gain approval for any card you desire!
    Jan 16, 2014
    By:
    Jan 16, 2014
    Personally I think that cards for people with good credit and cards for people with excellent credit are about the same. Now mind you the cards that are offered for excellent credit have much lower rates and offer rewards other cards don't even begin to offer. But in my opinion the better your credit the better options you will have on a card. Small upgrades can equal big savings in the long run. Take it from me. If you can get a card for people with excellent credit. Do it.
    Jan 10, 2014
    By:
    Jan 10, 2014
    If a person is eligible for a card for those with excellent credit, then they should always choose that card above cards for people with good credit. But since the difference in many cards is just APR variances, being able to get a lower APR is what the aim should really be. A cardholder that builds up his credit rating with on-time payments, even if it is just with a good credit rating at first, will ultimately be able to get the lowest APR mortgages and car loans, which will maximize savings over his lifetime.
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