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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:
| regular APR | |
- 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
excellent / good credit required
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, 15.49%, 20.49% or 25.49%, 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, 15.49%, 20.49% or 25.49%, based on your creditworthiness. Please note, there is a fee for balance transfers.
| regular APR | |
- 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
- 25% more in travel redemption
good credit required
$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
the card is made of metal
| regular APR | |
- earn 6% back at US supermarkets (limited by $6000 spending annually, then 1%)
- 3% on gas and in selected department stores
- 1% back on all other purchases
- $150 sign up bonus after spending $1000 in purchases in the first 3 months
good credit required
$95 annual fee
up to 3-6% cash back
$150 intro bonus
| regular APR | |
fair credit required
no annual fee
0% intro APR on purchases and balance transfers
0% BT fee for 60 days
free FICO score
| regular APR | |
- 5% cash back on office supplies and telecom purchases with a $25,000 annual limit
- 2% cash back on gas and dining out with a $25,000 annual limit
- 1% cash back on all other purchases
- $300 bonus after spending $3000 in the first 3 months
good credit required
no annual fee
up to 5% cash back
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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