Credit Cards for Good Credit |
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Narrow Your Search for a Good Credit Credit 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 credit card or loan for 3+ years 2.) Your current credit card’s limit is above $5,000 3.) You haven’t been 60+ days late on a loan, medical bill or credit card payment in the past 12 months. Remember, whether you actually have good credit or not, you can also explore our editor’s picks for good credit cards across various categories.
Frontier Credit Card
Rates:
Annual Fee None
Rewards Miles
Initial Bonus 5,000 miles
Base Earn 0.5 miles / $1
Max Earn 1 mile / $1
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United MileagePlus® Explorer Card
Rates:
Annual Fee None 1st yr, $95 after
Rewards Miles
Initial Bonus 30,000 miles
Base Earn 1 mile / $1
Max Earn 2 miles / $1
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Fidelity® Retirement Credit Card
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Pink Ribbon Credit Card
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Sony Card from Capital One®
Rates:
Annual Fee None
Rewards Points
Initial Bonus 5,000 points
Base Earn 1 point / $1
Max Earn 5 points / $1
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Kroger 1-2-3 Rewards® Visa® Credit Card
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TrueEarnings® Card from Costco and American Express
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British Airways Credit Card
Rates:
Annual Fee $95
Rewards Miles
Initial Bonus 50,000 miles
Base Earn 1.25 miles / $1
Max Earn 2.5 miles / $1
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Capital One® VentureSM Rewards Credit Card
Rates:
Annual Fee $0 for 1st yr, $59 after
Rewards Miles
Initial Bonus 10,000 miles
Base Earn 2 miles / $1
Max Earn 2 miles / $1
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US Bank FlexPerksSM Travel Rewards Visa Signature® Credit Card – 17,500 Bonus FlexPoints
Rates:
Annual Fee None 1st yr, $49 after
Rewards Points
Initial Bonus 17,500 points
Base Earn 1 point / $1
Max Earn 2 points / $1
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(Transfer Fee, Foreign Fee, etc.)We work hard to present you with the most accurate credit card information, however, this information does not originate from us and thus, we do not guarantee the accuracy of the information. Certain offers originate from paying advertisers, and this will be noted on a card’s details page, when applicable.
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What sets credit cards for good credit apart? While 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? The 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? There 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.
