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:

intro purchase APR 0% for 12 monthsregular APR12.49%, 17.49% or 22.49%
intro BT APR 12.49-22.49% no BT fee
rewards 1.25 miles/$1 +20,000 miles bonus
  • earn 20,000 miles for spending $1,000 in the first 3 months
  • get 1.25 miles on all purchases
  • redeem miles as statement credit towards travel expenses
good credit required

no annual fee

20,000 miles bonus

1.25 mile/$1 for every purchase

0% intro APR for 12 months

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intro purchase APR 0% for 21 monthsregular APR12.99 - 22.99% (V)
intro BT APR 0% for 21 months 3% BT fee $5 min
excellent required

no annual fee

low APR from 12.99%

21 months 0% intro APR on BT and purchases

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intro purchase APR 0% APR offerregular APR*see offers
intro BT APR 0% BT APR offer *see offers
rewards earn miles for your spending 
excellent / good credit required

no annual fee

no foreign transaction fee

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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 
good credit required

the card was discontinued on March 2016

no annual fee with paid Costco membership

up to 3% back

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intro purchase APR 0% for 12 monthsregular APR13.49 - 23.49% (V)
intro BT APR 0% for 12 months 13.49-23.49
rewards 1 2 3 points per $1 +20% monthly

basic card:

  • get 2x points at US supermarkets with a $6,000 limit in purchases annually (then 1x)
  • earn 20% bonus on your points if you use a card at least 20 times a month

Preferred card:

  • get 3x points at US supermarkets with a $6,000 limit in purchases annually (then 1x)
  • 2x points at US gas stations
1 point per $1 on all other purchases for both card versions
good credit required

no annual fee for the basic card

$95 annual fee for Preferred card

up to 2.2-4.5x points on every dollar

10,000-15,000 intro bonus

free Amazon Prime membership

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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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