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Credit Cards for Good Credit

Credit Cards for Good Credit

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 compare the offers listed below (some of which originate from CardHub advertising partners) as well as explore our editor’s picks for good credit cards across various categories.

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    3.5

    Capital One® VentureOne® Rewards Credit Card

    capital one ventureone rewards credit card
    • 0% PURCHASES until September 2015
    • 0% TRANSFERS Not Offered
    • REGULAR RATE 11.9% - 19.9% (V)
    ANNUAL FEE None
    REWARDS Miles
    BASE EARN 1.25 miles / $1
    MAX EARN 1.25 miles / $1
    • Earn unlimited 1.25 miles on every purchase, every day.
    • 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.
    • Fly any airline, stay at any hotel, anytime.
    • Enjoy a low intro APR on purchases.
    • Travel when you want—no blackout dates.
    • Miles don't expire and there’s no limit to how many you can earn

     
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    4.5

    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)
    ANNUAL FEE $0 for 1st yr, $59 after
    REWARDS Miles
    BASE EARN 2 miles / $1
    MAX EARN 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

     
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    3.5

    Capital One® Platinum Prestige Credit Card

    capital one platinum prestige credit card
    • 0% PURCHASES until December 2015
    • 0% TRANSFERS until December 2015 ;   Fee.....3%
    • REGULAR RATE 10.9% - 18.9% (V)
    ANNUAL FEE None
    REWARDS None
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    3.5

    Capital One® Quicksilver® Cash Rewards Credit Card

    capital one quicksilver cash rewards credit card
    • 0% PURCHASES until June 2015
    • 0% TRANSFERS until June 2015 ;   Fee.....3%
    • REGULAR RATE 12.9% - 22.9% (V)
    ANNUAL FEE None
    REWARDS Cash Back
    BONUS $100
    BASE EARN 1.5%
    MAX EARN 1.5%
    • 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

     
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    3.5

    Chase Slate®

    slate credit card
    • 0% PURCHASES 15 months
    • 0% TRANSFERS 15 months ;   Fee.....None
    • REGULAR RATE 12.99% - 22.99% (V)
    ANNUAL FEE $0
    REWARDS None
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    4

    TrueEarnings® Card from Costco and American Express

    costco credit card
    • 0% PURCHASES 6 months
    • 0% TRANSFERS Not Offered
    • REGULAR RATE 15.24% (V)
    ANNUAL FEE $0
    REWARDS Cash Back
    BONUS None
    BASE EARN 1%
    MAX EARN 3%
    • 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.

     
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    3.5

    Marriott Rewards® Premier Credit Card

    marriott rewards credit card
    • 0% PURCHASES Not Offered
    • 0% TRANSFERS Not Offered
    • REGULAR RATE 15.99% (V)
    ANNUAL FEE None 1st yr, $85 after
    REWARDS Points
    BASE EARN 1 point / $1
    MAX EARN 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

     
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    4

    British Airways Visa Signature® Card

    british airways credit card
    • 0% PURCHASES Not Offered
    • 0% TRANSFERS Not Offered
    • REGULAR RATE 15.99% (V)
    ANNUAL FEE $95
    REWARDS Miles
    BASE EARN 1.25 miles / $1
    MAX EARN 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
    • 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
    • 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

     
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    3

    Playstation® Card from Capital One®

    playstation credit card
    • 0% PURCHASES until July 2015
    • 0% TRANSFERS Not Offered
    • REGULAR RATE 13.9% - 24.9% (V)
    ANNUAL FEE None
    REWARDS Points
    BASE EARN 1 point/$1
    MAX EARN 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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    3.5

    BuyPower Card from Capital One

    gm credit card
    • 0% PURCHASES 12 months
    • 0% TRANSFERS Not Offered
    • REGULAR RATE 11.9% - 19.9% (V)
    ANNUAL FEE None
    REWARDS Other
    BONUS None
    BASE EARN 2% Earnings
    MAX EARN 5% Earnings
    • Every purchase earns rewards that can help you save toward a new Chevrolet, Buick, GMC or Cadillac vehicle.
    • Get 5% Earnings on your first $5,000 in purchases every year.
    • Unlimited 2% Earnings on every purchase after that.
    • Your Earnings don’t expire and there’s no limit on how much you can earn or redeem.
    • For an even better value, use your Earnings on top of your best agreed-upon price and most current GM offers.

     
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    Ask our Experts
    EXPERT’S ANSWERS

    What sets credit cards for good credit apart?

    By: Odysseas PapadimitriouWhile 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 PapadimitriouThe 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 KiernanThere 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

    Help others find the best credit cards for good credit by sharing what your deciding factor was when choosing your card (customer service, interest rate, fees, convenience, rewards, etc.)

     
    September 4, 2014
    Photo of Sara B.
    By: Sara Bolton
    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.
    August 16, 2014
    Photo of Michelle C.
    By: Michelle Chop
    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.
    July 18, 2014
    Photo of Brian B.
    By: Brian Bartone
    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
    June 18, 2014
    Photo of Jesheckah C.
    By: Jesheckah Coffin
    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
    Photo of Tracy B.
    By: Tracy Bright
    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.
    April 30, 2014
    Photo of Helen B.
    By: Helen Brotherton
    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.
    April 6, 2014
    Photo of Chad F.
    By: Chad Fairweather
    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
    March 20, 2014
    Photo of Casi D.
    By: Casi Danielle
    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
    March 15, 2014
    Photo of David P.
    By: David Price
    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
    March 28, 2014
    Photo of Christopher J.
    Christopher Johnson
    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.
    February 23, 2014
    Photo of Michael M.
    By: Michael Meza
    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
    February 13, 2014
    Photo of Catherine R.
    By: Catherine Rowntree
    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.
    February 2, 2014
    Photo of Greg K.
    By: Greg Kempisty
    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!
    January 16, 2014
    Photo of James L.
    By: James LeGrand
    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.
    January 10, 2014
    Photo of Lucy M.
    By: Lucy Morgan
    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.
    December 18, 2013
    Photo of Rafael M.
    By: Rafael Maldonado
    I don’t think that you can find cards that will ever match up to those that require excellent credit. There are some that will come close, but the rewards and interest % on cards that require a really great credit score will generally be better. That’s why it is important to have a good credit score and pay your bills on time!
    April 1, 2014
    Photo of Scott D.
    Scott Daly
    Ya those high credit score cards are an amazing benefit for those with the credit to earn them. The credit companies can offer those sorts of great cards to people because they have proven they are trustworthy consumers. You are exactly right, pay your bills on time. There really isn't a better way to earn your way up to that tier of cards than by being a responsible consumer.
    December 3, 2013
    Photo of CJ R.
    By: CJ Rankin
    I went with the Capital One Quicksilver Cash Rewards Credit Card mainly because of the $0 annual fee. A lot of cards out there charge you to use their card annually, which just doesn't make sense to me. Since I don't fly too often the cash back option is amazing for me as well, plus you get $100 bonus when you start! I highly recommend this card.
    November 25, 2013
    Photo of Jason B.
    By: Jason Budley
    I went with the Navy Federal nRewards Visa and have been using it for several years now. I regularly earn enough points by spending cash to get a $50 Visa gift card in the mail (they have tons of other options for buying items, but I like the money!). The interest rates are competitive and they give me a great credit limit despite being a recent graduate without much history or anything!
    March 29, 2014
    Photo of Chad F.
    Chad Fairweather
    This is yet another deciding factor towards me moving to Navy Federal. I love credit unions! I was in the same situation as you, when I was 19 I had absolutely nothing on my credit report except for times I'd paid back my complimentary $100 overdraft limit from our local credit union. That was good enough for me to purchase a nice used car at a 4% interest rate. I am definitely going to look into getting a Rewards card from Navy Federal after I sign up with them!
    November 14, 2013
    Photo of Joseph G.
    By: Joseph Gordon
    I am a big time user and shopper at Costco for the past several years. I enrolled in the scheme for the double benefit of having a Costco and an American Express card. Being a Costco member, the annual fee was waivered off and that was a huge bonus. Since prices at Costco are relatively cheaper, any cash back offered by Costco would only add to the savings! The interest rate at 15% is much better than most cards that sell at around 22%. Moreover, judicious use of the Costco card would make me eligible for excellent credit worthiness. Overall, it’s a great card to have!
    November 13, 2013
    Photo of Marilynn S.
    By: Marilynn Sorenson
    I chose the Capital One Platinum card because it has no annual fee and I needed a credit card for some situations. I have not had a credit card for several years for various reasons and was actually quite skeptical about whether or not I would receive one. Thankfully, Capital One found me worthy of this card, and it has made my life so much easier. I now have another way of re-establishing good credit and of monitoring it as time goes by. My old car died early this year, so now I can rent a car and feel secure about the travel/rental car coverage that this card offers me. more
    November 13, 2013
    Photo of Amy M.
    By: Amy Maney
    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 Credit Card.The things i love most about this card is that there is no annual fees and the 100 dollar initial bonus really helps.With this card you earn cash back rewards and enjoy a fairly reasonable interest rate as well.I would certainly recommend this card to anyone.
    November 5, 2013
    Photo of Elias C.
    By: Elias Carlon
    I have a Wells Fargo Mortgage Advantage card and it's fantastic. I get 3% back towards my Wells Fargo Mortgage on all gas and food purchases and 1% back on everything else. The best thing is that it has a 0% interest rate for the first 12 months and a competitive 12% interest rate after that. I use it to buy all my gas and groceries and so far have had $75 taken off my mortgage. $75 might not sound like a lot but if used regularly, over a 30 year period, you can save over $10,000 on interest!
    November 5, 2013
    Photo of Re R.
    By: Re Reb
    I chose the Capital One Quicksilver due to the fact that I needed a new credit card. I found out also that Capital one has a credit monitoring service. I have been trying to monitor my credit so I can buy a home and I figured this would be a great way to help out. The card also has no annual fees and starts off with a 0% interest rate. If you're looking for a great card and great customer service I would definitely choose this one!
    November 5, 2013
    Photo of Gregory S.
    By: Gregory Stancil
    I've always enjoyed the Kroger 1-2-3 Rewards Visa Credit Card. For me, the deciding factor was getting $5 in free groceries for every 1,000 points earned. I love this benefit and it pays for an entire week's amount of food every three months. I also get 3 points for every dollar spent on Kroger products along with 2 points for every dollar spent at one of their stores so I've been racking up a pretty impressive amount of points lately. Fortunately, the card doesn't have an annual fee and the card has an impressive 9 month Intro period so it gives you an extended opportunity to make purchases and transfer more
    November 5, 2013
    Photo of Malayna L.
    By: Malayna Lewis
    I signed up for this Apple Barclay Credit Card last month, so I could purchase a macbook for my birthday, seeing as I needed it for school. I received the 18 months interest free and have also been making small purchases on the card for other things I need. When I signed up my initial credit limit was $1,700. What I really like about this card is that I don't have to pay a high payment every month. I have the option of only paying $20 in case something happens, and I don't have that much money. Why I decided on this card was because the APR was't too high more