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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 2,501 reviews

    Capital One® VentureOne® Rewards Credit Card


    capital one ventureone
    • 0% Purchases until August 2016
    • 0% Transfers Not Offered
    • Regular Rate 11.9% - 21.9% (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 August 2016; 11.9%-21.9% variable APR after that
    • No foreign transaction fees
    • 100% free Capital One® Credit Tracker - see your monthly credit score anytime and get automatic alerts
    • 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 2,671 reviews

    Capital One® Quicksilver® Cash Rewards Credit Card


    capital one quicksilver
    • 0% Purchases until May 2016
    • 0% Transfers until May 20163% Transfer Fee
    • Regular Rate 12.9% - 22.9% (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
    • Get a 20% Statement Credit on Uber rides purchased with this card through April 2016
    • Additional Info
    • 0% intro APR on purchases until May 2016; 12.9%-22.9% variable APR after that
    • Balance transfers also have a 0% intro APR until May 2016, a 3% fee applies to each balance transferred
    • Pay no annual fee or foreign transaction fees
    • Capital One® Credit Tracker - a free way to easily monitor your monthly credit score anytime, anywhere
    • See More Details & Reviews About The Capital One® Quicksilver® Cash Rewards Credit Card
    3.5 1,520 reviews

    Chase Slate®


    chase slate
    • 0% Purchases 15 months
    • 0% Transfers 15 monthsNo Transfer Fee
    • Regular Rate 12.99% - 22.99% (V)
    • Annual Fee None
    • Rewards Rate None
    • Minimum Credit Good
    • Rewards Details
    • Additional Info
    • Chase Slate named "Best Credit Card for Balance Transfers" two years in a row by Money Magazine
    • $0 Introductory balance transfer fee for transfers made during the first 60 days
    • 0% Introductory APR for 15 months on purchases and balance transfers
    • NEW Free Monthly FICO® Score and Credit Dashboard
    • 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®
    4 1,413 reviews

    Capital One® Venture® Rewards Credit Card


    capital one venture
    • 0% Purchases Not Offered
    • 0% Transfers Not Offered
    • Regular Rate 12.9% - 22.9% (V)
    • Annual Fee $0 for 1st yr, $59 after
    • Rewards Rate 2 - 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
    • No annual fee for the first year; $59 after that
    • 100% free Capital One® Credit Tracker - see your monthly credit score anytime and get automatic alerts
    • 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.
    • Special access to events - Your Visa Signature card gets you special access and preferred seating at popular sporting events, premier golf outings, and concerts.
    • Shopping discounts - Take advantage of special discounts at top retailers and online merchants with your Visa Signature card.
    • 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.
    • 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® Venture® Rewards Credit Card
    4 235 reviews

    Southwest Airlines Rapid Rewards® Premier Credit Card


    southwest airlines rapid rewards premier card
    • 0% Purchases Not Offered
    • 0% Transfers Not Offered
    • Regular Rate 15.99% (V)
    • Annual Fee $99
    • Rewards Rate 1 - 2 points / $1
    • Rewards Bonus 25,000 points
    • Minimum Credit Good
    • Rewards Details
    • Earn 25,000 points after you spend $1,000 on purchases in the first 3 months of opening your account
    • Named 2015 Freddie Award Winner for Best Loyalty Credit Card
    • Points Don’t Expire, No Blackout Dates, Bags Fly Free®
    • 6,000 points after your Cardmember Anniversary
    • 2 points/$1 spent on Southwest Airlines® purchases and participating Hotel and Car Rental partners
    • 1 point/$1 spent on all other purchases
    • Additional Info
    • NEW - Chip-enabled cards with 24/7 fraud monitoring
    • See More Details & Reviews About The Southwest Airlines Rapid Rewards® Premier Credit Card
    3.5 294 reviews

    British Airways Visa Signature® Card


    british airways credit card
    • 0% Purchases Not Offered
    • 0% Transfers Not Offered
    • Regular Rate 15.99% (V)
    • Annual Fee None 1st yr, $95 after
    • Rewards Rate 1 - 3 miles / $1
    • Rewards Bonus 50,000 miles
    • Minimum Credit Good
    • Rewards Details
    • 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 3 Avios for every $1 spent on British Airways purchases and 1 Avios for every $1 spent on all other purchases
    • Additional Info
    • $0 Intro Annual Fee The First Year, Then $95
    • Pay no foreign transaction fees when you travel abroad.
    • 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.
    • See More Details & Reviews About The British Airways Visa Signature® Card
    3 230 reviews

    PlayStation® Card from Capital One®


    playstation credit card
    • 0% Purchases until June 2016
    • 0% Transfers Not Offered
    • Regular Rate 13.9% - 24.9% (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 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
    • Additional Info
    • 0% intro APR on purchases until June 2016, 13.9% - 24.9% 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 65 reviews

    Jacksonville Jaguars Extra Points Credit Card


    jacksonville jaguars credit card
    • 0% Purchases 6 months
    • 0% Transfers 15 months3% Transfer Fee
    • Regular Rate 14.99% - 24.99% (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 a $100 cash back statement credit
    • Earn 2 points per $1 on NFL or team purchases - game tickets, in-stadium and at team Pro Shops - and 1 point per $1 on all other purchases
    • 20% off every purchase at NFLShop.com - that's $20 off every $100 you spend
    • Redeem points for VIP NFL experiences, game tickets or 1% cash back statement credits beginning at 2,500 points for a $25 statement credit
    • All 32 team cards are available, customized with your favorite team's colors and logo
    • Additional Info
    • 0% promotional APR for 6 months on ALL ticket purchases from a team ticket office. After that, a variable APR currently 14.99%, 19.99% or 24.99%, 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, currently 14.99%, 19.99% or 24.99%, 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
    3.5 71 reviews

    Tampa Bay Buccaneers Extra Points Credit Card


    tampa bay buccaneers credit card
    • 0% Purchases 6 months
    • 0% Transfers 15 months3% Transfer Fee
    • Regular Rate 14.99% - 24.99% (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 a $100 cash back statement credit
    • Earn 2 points per $1 on NFL or team purchases - game tickets, in-stadium and at team Pro Shops - and 1 point per $1 on all other purchases
    • 20% off every purchase at NFLShop.com - that's $20 off every $100 you spend
    • Redeem points for VIP NFL experiences, game tickets or 1% cash back statement credits beginning at 2,500 points for a $25 statement credit
    • All 32 team cards are available, customized with your favorite team's colors and logo
    • Additional Info
    • 0% promotional APR for 6 months on ALL ticket purchases from a team ticket office. After that, a variable APR currently 14.99%, 19.99% or 24.99%, 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, currently 14.99%, 19.99% or 24.99%, 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 Tampa Bay Buccaneers Extra Points Credit Card
    5 119 reviews

    Carolina Panthers Extra Points Credit Card


    carolina panthers credit card
    • 0% Purchases 6 months
    • 0% Transfers 15 months3% Transfer Fee
    • Regular Rate 14.99% - 24.99% (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 a $100 cash back statement credit
    • Earn 2 points per $1 on NFL or team purchases - game tickets, in-stadium and at team Pro Shops - and 1 point per $1 on all other purchases
    • 20% off every purchase at NFLShop.com - that's $20 off every $100 you spend
    • Redeem points for VIP NFL experiences, game tickets or 1% cash back statement credits beginning at 2,500 points for a $25 statement credit
    • All 32 team cards are available, customized with your favorite team's colors and logo
    • Additional Info
    • 0% promotional APR for 6 months on ALL ticket purchases from a team ticket office. After that, a variable APR currently 14.99%, 19.99% or 24.99%, 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, currently 14.99%, 19.99% or 24.99%, 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 Carolina Panthers Extra Points Credit Card
    X
    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.

     
    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.
    Mar 4, 2015
    By:
    I believe that cards for people with excellent credit are better than cards for people with good credit. Cards for excellent credit can offer better rates and reward programs to the card holders that they know will pay them back. Cards with good credit holders will also have great rates and good reward programs, but they can't compete with the better rates. Ultimately though, it all comes down to the individual card holder.
    Feb 26, 2015
    By:
    Yes, I do think that good credit cards can be as good as excellent credit cards. Having worked my way into excellent credit, I know what is like to have cards requiring both. I have found that good credit cards offer some of the very same benefits as excellent credit cards, i.e. cash back, travel rewards, gift cards.
    Jan 9, 2015
    By:
    I think good credit can be as helpful as excellent credit depending on how you plan to use the card. For example, you get a card with good credit. You can then use that card to boost your credit rating by paying slightly over the minimum payment each month even if you can afford to pay it off entirely. They want to make money off of you and this can boost your credit rating. After that, you should be able to get a card with excellent credit. It's a little trick that my friend did himself and taught me.
    Nov 18, 2014
    By:
    What's the best card
    Feb 1, 2015
    Photo of Card H.
    It all depends on your personal needs. Before deciding we suggest that you read this article: http://www.cardhub.com/edu/how-to-get-a-credit-card/
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