Credit Cards for People with Good Credit

There are no exact numbers that say what FICO score in considered “good” but common understanding is that a base FICO score around 640-720 is called good credit. With such a score, you can expect to get almost all of the best credit card offers. However, some of the most desirable credit cards can still be out of reach, depending on other considerations (banks do not rely only on FICO score in an approval process).

Here are our editor’s picks for the best credit cards for good credit:

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at issuer’s secured site
excellent
good credit
intro purchase APR n/aregular APR15.24%, 20.24% or 25.24% variable
intro BT APR 0% for 15 months 3% BT fee $5 min
rewards 2x on NFL purchases +10,000 points
  • 2x points on NFL and Team purchases - tickets, on-stadium purchases, etc.
  • 1 point/$1 on all other purchases
  • earn 10,000 points after spending $500 in the first 90 days 

 

 

All 32 team cards are available, customized with your favorite team's colors and logo

Earn 10,000 bonus points after $500 in purchases in the first 90 days, enough to redeem for $100 cash back

20% off purchases at NFLShop.com - that's $20 off every $100 you spend

0% Promotional APR for 6 months on eligible NFL ticket purchases. After that a variable APR will apply, 15.24%, 20.24% or 25.24%, based on your creditworthiness

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

Redeem points for NFL game tickets, VIP experiences, or 1% cash back beginning at 2,500 points for $25

0% Introductory APR for 15 months on Balance Transfers made within 45 days of account opening. After that a variable APR will apply, 15.24%, 20.24% or 25.24%, based on your creditworthiness. Please note, there is a fee for balance transfers.

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at issuer’s secured site
excellent
good credit
intro purchase APR 0% APR offerregular APR*see offers
intro BT APR 0% BT APR offer *see offers
rewards earn miles for your spending 

no annual fee

no foreign transaction fee

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at issuer’s secured site
good credit
intro purchase APR no intro offerregular APR16.24 - 23.24% (V)
intro BT APR no 16.24%
rewards 1x-2x points on $1 +50,000 bonus
  • earn 2x points on travel and dining out 
  • get 50,000 bonus after spending $4,000 in the first 3 months
  • get 5,000 bonus miles after adding authorized user in 3 months after account opening
  • only 10,000 points for spending $500 in the first 3 months for a basic no annual fee Sapphire card
  • 20% off for travel related expences

 

$95 annual fee, waived for the first year

or no annual fee for basic Sapphire card

2x points on travel and dining

1 point per dollar on all other purchases as usual

card is made of metal

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at issuer’s secured site
fair credit
intro purchase APR 0% for 15 monthsregular APR12.99 - 22.99% (V)
intro BT APR 0% for 15 months, 0% BT fee 60 days 3% BT fee $5 min

no annual fee

0% intro APR on purchases and balance transfers

0% BT fee for 60 days

free FICO score

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at issuer’s secured site
good credit
intro purchase APR 0% for 6 monthsregular APR15.24 - 15.24% (V)
intro BT APR 15.24% 3% BT fee $5 min
rewards 1% 2% 3% on every $1 
  • earn 3% back on gas ($4,000 annual limit, then 1%)
  • 2% on travel purchases, dining out and Costco purchases
  • 1% on everything else 

the card was discontinued on March 2016

no annual fee with paid Costco membership

up to 3% back

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Do not feel left out if your credit is short of excellent - you can get an outstanding credit card in almost every category: rewards, travel, no annual fee, hotels and airlines, and so on.

Despite the common myth about American Express Superiority, you can get many American Express cards with just a good credit score.

One disadvantage with a good credit score is that you can find that your personalized credit cards offers will be at the high APR range than for those who have excellent credit. 

The best way to transition from good credit to excellent is by following a strict rule of not carrying a balance on a card and using no more than 10%-30% of a combined credit limit on all your cards – it will keep your debt utilization ratio low. Of course, this comes after a basic “Pay all your bills on time, always” rule. 



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