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Credit Cards for Good Credit

As you can see below, good credit cards come to people with good credit (some offers are from CardHub sponsors). You likely have good credit if your credit score is in the 660-719 range. Alternatively, if you got your first credit card or loan 3+ years ago, your current card has a $5k+ credit line and you haven’t been 60+ days late on a loan in the past year, the odds are pretty good that you have good credit.

Those who don’t fit the mold shouldn’t worry, however. There are plenty of credit cards available to people across the credit…show more

    3.5 3,066 reviews

    Capital One® VentureOne® Rewards Credit Card


    capital one ventureone
    • Purchase Intro APR 0% until May 2017
    • Transfer Intro APR Not Offered
    • Regular APR 12.24% - 22.24% (V)
    • Annual Fee None
    • Rewards Rate 1.25 miles / $1
    • Rewards Bonus 20,000 miles
    • Minimum Credit Good
    • Rewards Details
    • 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 per dollar on every purchase, every day and pay no annual fee
    • Fly any airline, stay at any hotel, anytime
    • Travel when you want with no blackout dates
    • Miles don’t expire and there’s no limit to how many you can earn
    • Additional Info
    • Enjoy a low intro APR on purchases until May 2017; 12.24%-22.24% variable APR after that
    • No foreign transaction fees
    • Fraud Coverage - $0 Fraud Liability if your card is ever lost or stolen
    • Warranty Manager/Extended Protection - provides you with valuable features to help manage, use, and even extend warranties of items purchased with your card.
    • Auto rental insurance - use your card to rent an eligible vehicle and you’re covered for collision, damage, and loss
    • See More Details & Reviews About The Capital One® VentureOne® Rewards Credit Card
    3.5 881 reviews

    Citi® Double Cash Card


    citi double cash card
    • Purchase Intro APR Not Offered
    • Transfer Intro APR 0% for 18 months 3% (min $5) Transfer Fee
    • Regular APR 13.24% - 23.24% (V)
    • Annual Fee $0*
    • Rewards Rate 1% + 1% Cash Back
    • Rewards Bonus None
    • Minimum Credit Good
    • Rewards Details
    • Earn cash back twice on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
    • No categories to track, no caps on cash back, no annual fee*
    • Additional Info
    • Balance Transfers do not earn cash back
    • 0% Intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.24% - 23.24% based on your creditworthiness
    • Click 'Apply Now' to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases.
    • See More Details & Reviews About The Citi® Double Cash Card
    3.5 3,221 reviews

    Capital One® Quicksilver® Cash Rewards Credit Card


    capital one quicksilver
    • Purchase Intro APR 0% until February 2017
    • Transfer Intro APR 0% until February 2017 3% Transfer Fee
    • Regular APR 13.24% - 23.24% (V)
    • Annual Fee None
    • Rewards Rate 1.5% Cash Back
    • Rewards Bonus $100
    • Minimum Credit Good
    • Rewards Details
    • One-time $100 cash 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 or sign ups needed to earn cash rewards; plus, cash back doesn’t expire and there’s no limit to how much you can earn
    • Additional Info
    • 0% intro APR on purchases until February 2017; 13.24%-23.24% variable APR after that
    • Balance transfers also have a 0% intro APR until February 2017; 13.24%-23.24% variable APR after that; a 3% fee applies to each balance transferred
    • Pay no annual fee or foreign transaction fees
    • See More Details & Reviews About The Capital One® Quicksilver® Cash Rewards Credit Card
    3.5 1,828 reviews

    Chase Slate®


    chase slate
    • Purchase Intro APR 0% for 15 months
    • Transfer Intro APR 0% for 15 months $0 Intro Transfer Fee
    • Regular APR 13.24% - 23.24% (V)
    • Annual Fee None
    • Rewards Rate None
    • Minimum Credit Good
    • Rewards Details
    • Additional Info
    • Chase Slate named "Best Credit Card for Balance Transfers" three years in a row by MONEY Magazine
    • $0 Introductory balance transfer fee for transfers made during the first 60 days of account opening
    • 0% Introductory APR for 15 months on purchases and balance transfers
    • Monthly FICO® Score and Credit Dashboard for free
    • No Penalty APR – Paying late won't raise your interest rate (APR). All other account pricing and terms apply
    • $0 Annual Fee
    • See More Details & Reviews About The Chase Slate®
    3.5 404 reviews

    Barclaycard Arrival™ World MasterCard®


    barclaycard arrival
    • Purchase Intro APR Not Offered
    • Transfer Intro APR 0% for 12 months 3% Transfer Fee
    • Regular APR 16.24% - 24.24% (V)
    • Annual Fee None
    • Rewards Rate 1 - 2 miles / $1
    • Rewards Bonus 20,000 miles
    • Minimum Credit Good
    • Rewards Details
    • Earn 20,000 bonus miles after you spend $1,000 on purchases in the first 90 days — that's enough to redeem for a $200 travel statement credit
    • Earn 2X miles on travel & dining and 1X miles on all other purchases
    • Get 5% miles back to use toward your next redemption, every time you redeem for travel statement credits
    • Additional Info
    • Chip card technology, so paying for your purchases is more secure at chip-card terminals in the U.S. and abroad
    • No foreign transaction fees on anything you buy while in another country
    • 0% introductory APR for 12 months for each Balance Transfer made within 45 days of account opening. After that, a variable APR currently 16.24%, 20.24% or 24.24%, depending on your creditworthiness.
    • Complimentary online FICO® Credit Score access for Barclaycard Arrival cardmembers
    • See More Details & Reviews About The Barclaycard Arrival™ World MasterCard®
    4.5 2,569 reviews

    Barclaycard Arrival Plus™ World Elite MasterCard®


    barclaycard arrival plus
    • Purchase Intro APR Not Offered
    • Transfer Intro APR 0% for 12 months 3% Transfer Fee
    • Regular APR 16.24% - 20.24% (V)
    • Annual Fee None 1st yr, $89 after
    • Rewards Rate 2 miles / $1
    • Rewards Bonus 40,000 miles
    • Minimum Credit Good
    • Rewards Details
    • Earn 40,000 bonus miles when you spend $3,000 on purchases in the first 90 days — that's enough to redeem for a $400 travel statement credit
    • Earn 2X miles on all purchases
    • Get 5% miles back to use toward your next redemption, every time you redeem for travel statement credits
    • Additional Info
    • Chip card technology, so paying for your purchases is more secure at chip-card terminals in the U.S. and abroad
    • No foreign transaction fees on anything you buy while in another country
    • 0% introductory APR for 12 months for each Balance Transfer made within 45 days of account opening. After that, a variable APR will apply, currently 16.24% or 20.24%, depending on your creditworthiness.
    • Complimentary online FICO® Credit Score access for Barclaycard Arrival cardmembers
    • See More Details & Reviews About The Barclaycard Arrival Plus™ World Elite MasterCard®
    4 1,609 reviews

    Capital One® Venture® Rewards Credit Card


    capital one venture
    • Purchase Intro APR Not Offered
    • Transfer Intro APR Not Offered
    • Regular APR 13.24% - 23.24% (V)
    • Annual Fee $0 for 1st yr, $59 after
    • Rewards Rate 2 miles / $1
    • Rewards Bonus 40,000 miles
    • Minimum Credit Good
    • Rewards Details
    • 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 per dollar on every purchase, every day
    • Fly any airline, stay at any hotel, anytime
    • Travel when you want with no blackout dates
    • Miles don't expire and there’s no limit to how many you can earn
    • Additional Info
    • No foreign transaction fees
    • $0 intro annual fee for the first year; $59 after that
    • Fraud Coverage - You're covered by $0 Fraud Liability if your card is ever lost or stolen
    • Travel upgrades and savings - Receive complimentary upgrades and special savings at hotels, resorts, and spas with your Visa Signature® card.
    • Complimentary concierge service - Enjoy assistance 24 hours a day, from home and when you travel, with Visa Signature® Concierge.
    • Special access to events - Your Visa Signature® card gets you special access and preferred seating at popular sporting events, premier golf outings, and concerts.
    • Travel & Emergency Assistance - Available 24/7 to help connect you with local emergency and assistance resources when you're away from home
    • Emergency Card Services - If your credit card is lost or stolen, you can get an emergency card replacement and a cash advance.
    • Auto Rental Insurance - use your card to rent an eligible vehicle and you’re covered for collision, damage, and loss
    • See More Details & Reviews About The Capital One® Venture® Rewards Credit Card
    4 48 reviews

    USAA Preferred Cash Rewards Visa Signature®


    usaa preferred cash rewards visa
    • Purchase Intro APR Not Offered
    • Transfer Intro APR Not Offered
    • Regular APR 12.15% - 26.15% (V)
    • Annual Fee None
    • Rewards Rate 1.5% Cash Back
    • Rewards Bonus None
    • Minimum Credit Good
    • Rewards Details
    • Earn 1.5% cash back on your everyday purchases
    • Redeem your cash rewards anytime using your mobile device or computer
    • There's no limit on the amount you can earn
    • Additional Info
    • Special Benefits for Military: Deployment/PCS rate: Get 4% APR on all balances for up to 12 months during deployment or PCS. After 12 months, the regular APR, currently between 12.15% and 26.15% , will apply. This rate will vary with the market based on the prime rate.
    • Security Benefits: Chip technology has added security and greater acceptance worldwide. Identity theft resolutions services provides assistance should you become the victim of identity theft.
    • See More Details & Reviews About The USAA Preferred Cash Rewards Visa Signature®
    3 252 reviews

    PlayStation® Card from Capital One®


    playstation card
    • Purchase Intro APR 0% until March 2017
    • Transfer Intro APR Not Offered
    • Regular APR 14.24% - 24.99% (V)
    • Annual Fee None
    • Rewards Rate 1 - 10 points / $1
    • Rewards Bonus 5,000 points
    • Minimum Credit Good
    • Rewards Details
    • 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 authorized retailers, with purchase confirmation
    • 3 points per $1 spent on fast food restaurants, movie theatres, & your mobile phone bill
    • 1 point per $1 spent on all other purchases
    • Redeem for Sony products, movies, music, & more
    • Additional Info
    • 0% intro APR on purchases until March 2017, 14.24% - 24.99% variable APR after that
    • No annual fee
    • Travel Accident Insurance
    • Travel and Emergency Assistance Services
    • $0 Fraud Liability if your card is lost or stolen
    • See More Details & Reviews About The PlayStation® Card from Capital One®
    4.5 76 reviews

    Jacksonville Jaguars Extra Points Credit Card


    jacksonville jaguars credit card
    • Purchase Intro APR 0% for 6 months
    • Transfer Intro APR 0% for 15 months 3% Transfer Fee
    • Regular APR 15.24% - 25.24% (V)
    • Annual Fee None
    • Rewards Rate 1 - 2 points / $1
    • Rewards Bonus 10,000 points
    • Minimum Credit Good
    • Rewards Details
    • Earn 10,000 bonus points after $500 in purchases in the first 90 days, enough to redeem for $100 cash back
    • Earn 2 points per $1 on NFL or Team purchases - eligible game tickets, in-stadium and team pro shop purchases - and 1 point per $1 on all other purchases
    • 20% off purchases at NFLShop.com - that's $20 off every $100 you spend
    • Redeem points for NFL game tickets, merchandise, VIP experiences, or 1% cash back beginning at 2,500 points for $25
    • All 32 team cards are available, customized with your favorite team's colors and logo
    • Additional Info
    • 0% Promotional APR for 6 months on eligible NFL ticket purchases. After that a variable APR will apply, currently 15.24%, 20.24% or 25.24%, based on your credit worthiness
    • 0% Introductory APR for 15 months on balance transfers made within 45 days of account opening. After that a variable APR will apply, currently 15.24%, 20.24% or 25.24%, based on your creditworthiness
    • In order to take advantage of the 0% introductory APR on balance transfers you should submit your balance transfer request within 45 days of account opening.
    • See More Details & Reviews About The Jacksonville Jaguars Extra Points Credit Card
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    Credit Score
    Excellent Credit 721 – 850
    Good Credit 661 – 720
    Fair Credit 620 – 660
    Bad Credit 300 – 619
    Limited Credit Less than 3 years
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    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.

     
    Oct 25, 2015
    By:
    I love playing video games so it was a no brainer for me to get the PlayStation® Card from Capital One®. I have had every PlayStation system since the first one came out in the 90’s so this is a perfect way for me to earn lots of reward points. You get 10 points per $1 spent at the PlayStation store and 3 points per $1 spent at authorized retailers. Like most other cards, you get 1 point for everything else. Since I buy so many PlayStation games, I am able to build up points a lot points quicker than normal. I am earning lots of points for purchases I would have made anyway so this is great for me.
    Oct 17, 2015
    By:
    I got my Barclays Rewards MasterCard to continue building my credit. I didn't need a high limit, and I didn't care about rewards. I like the many different aspects of my account that I can customize: texts to remind me to make a payment, etc. I also taken advantage of the monthly FICO score that is available. I have really appreciated having this card and would recommend it.
    Oct 1, 2015
    By:
    I chose my credit card to get the benefits of the rewards points. I even added my mother and wife as authorize users to get the most points of out it. Not only does it help with my credit score but then I use the points to help pay for merchandise. It really comes in handy during the holiday seasons when everyone will be shopping anyway. Just have it placed on my card and I can buy gifts that I want for even lower the prices.
    Sep 10, 2015
    By:
    I've always gone back to the company that started my credit and that is Capital One. I currently use the Capital One QuickSilver Cash Rewards card. The deciding factor was that they offered me the lowest APR, I was a previous customer and they had no annual fee! That's sometimes hard to find. I enjoy the rewards I get and how easy it is to pay. You also get credit line increases automatically as you pay on time, which is nice and good for when life comes at you hard. I very much enjoy being a Capital One Customer and will continue to be.
    Aug 22, 2015
    By:
    My favorite credit card is the Bank of America Cash Rewards card. The rewards are what works for me.
    I get 3% back on gas (up to $1500 each quarter), 2% at grocery stores (again, up to $1500 each quarter) and 1% on everything else. However, I also got a $100 bonus for signing up. Then, every time I redeem my cash back into my Bank of America checking account, I get a 10% customer bonus. Also, there is no annual fee.
    Aug 21, 2015
    By:
    I've been a member of USAA since I joined the Navy over a decade ago. I now use the USAA Preferred Cash Rewards Mastercard as my primary credit card. I guess my decision to use that card really came down to two things. First, I appreciate USAA's customer service and convenience. I have my insurance through USAA and it's just easier to have my credit card through them as well. They also treat me with respect and have always been helpful when it comes to answering questions or dealing with issues. A couple times I've had to deal with potentially fraudulent actions on my card and I've been pleased with USAA's response. The other factor that lead me to the Preferred Cash Rewards card is the 1.5% cash back, which makes me feel good when I make purchases and when I get the money back at the end of the year. 1.5% is an attractive rate to me. Overall I'm quite pleased with USAA and my card and I currently have no plans to change my credit card situation anytime soon.
    Jun 28, 2015
    By:
    I am an avid fan of video games so naturally I chose the PlayStation Card from Capital One. This is a great card if you often buy games from the PlayStation store. This was the deciding factor me since I buy about 2-3 games a month from the store itself. You get 10 points per $1 spent at the PlayStation store and 3 points per $1 spent at a PlayStation and Sony purchases at Sony Store and store.sony.com. So naturally the more you buy the more your points add up. Another positive thing is there is no annual fee unlike some other credit cards.
    Jun 24, 2015
    By:
    For those people with good credit, the Blue Cash Preferred Card from American Express provides exceptional benefits. The card provides 6% cash back on grocery purchases, 3% back on gasoline and some department stores, and 1% back on other purchases. The grocery bonus is great if you have a family and like to prepare your own meals. There is an annual fee of $75, but you can also choose a no-fee plan that provides 3% back on groceries. If you spend more than $50-100 per week on groceries, the fee-based card will pay for itself. Be aware that AMEX isn't as widely accepted as VISA or Mastercard, but I have had very little trouble using it to buy groceries or gasoline.
    May 15, 2015
    By:
    I think if you have exceptionally bad credit some of these cards may be very useful for you to build your credit up and allow you to make purchases you otherwise may not be able to, but I would under no circumstances use these if I had even passable credit. The rates are just too high, and if I were the card providers I certainly would not offer these to my already well established customers.
    May 5, 2015
    By:
    I think that if a person only has good credit, then their credit card would be "worse" than somebody who has excellent credit's card. I think this way is honestly pretty fair. To those who take good care of their credit and their bills, they deserve to be rewarded. That's not to say that those with good credit should not benefit, but more to say that those with excellent credit should benefit just a little bit more than they do.
    Apr 21, 2015
    By:
    Cards for good credit can be very good, but there's always those top tier cards that are reserved for people with excellent credit. The APRs are going to be a bit lower and the rewards are going to be just less than the very best cards, but they do come very close to the top tier cards. I would be satisfied with many of the good cards out there, but I would prefer to have the very best cards just for the slight uptick in savings and rewards.
    Apr 16, 2015
    By:
    It is my opinion that credit cards that are for those of us with less than perfect credit are much worse than those that are for people with excellent credit. In my experience the interest rate is generally lower and there are more perks or rewards programs available. It is also very hard for those without perfect credit to obtain approval for the better cards.
    Apr 10, 2015
    By:
    Cards can be for good credit, I use such cards right now at my city college, and will continue to use them for financial aid when I transfer to university. Cards for excellent credit and good credit don't really have much difference, both are useful if you use them correctly. What matters more is the fees and how the card companies treat the customers.
    Mar 28, 2015
    By:
    I don't think there is a significant different between credit cards for excellent credit and credit cards for good/average credit. It all comes down to APR and the type of rewards you want. I personally would never use concierge or similar programs that come with cards for excellent credit. What I do want is cashback rewards and no annual fee, which many cards for good credit provide (I have the Capital One Quicksilver and a Barclays card that provide this). And APR doesn't really matter if you pay your balance in full each month.
    Mar 20, 2015
    By:
    There are card available for people with good credit that are just as good as the excellent credit options. Capital One Quicksilver card has one of the best rewards programs and it is not that hard to qualify for. Cardhub recommends it for people who have good credit. The Quicksilver earns 1.5% cash back on all purchases with no categories to worry about. It also does not charge any foreign transaction fees. Some card for excellent credit will have lower interest rates but if you are using your card responsibly that will not matter.
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