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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 | |
- earn 3% back at US supermarkets (limited by $6000 spending annually, then 1%)
- 2% on gas and in selected department stores
- 1% back on all other purchases
- $100 sign up bonus after spending $1000 in purchases in the first 3 months
good credit required
no annual fee
up to 2-3% cash back
Amazon Prime membership free
| regular APR | |
- earn 3x points on travel, shipping costs, internet and cable and online ads
- 1 point per dollar on all other purchases
- 80,000 points bonus after spending $5,000 in the first 3 months
good credit required
$95 annual fee
25% bonus on your points when redeemed for travel
redeem for travel, cash or gift cards
| regular APR | |
earn 1.5% on all purchases with no cap and limitations
fair credit / no credit required
$39 annual fee
good for average credit/limited credit
1.5% cash back
| regular APR | |
- earn $200 bonus for spending $5,000 on a card in first 6 months
- earn additional $200 bonus for spending additional $10,000 during the first year
good credit required
no annual fee
5% cash back on office supplies and wireless phone service
3% cash back on a category of your choice (out of 8)
1% unlimited cash back on everything else
$200 statement credit after spending $5,000 in the first 6 months
$200 credit after spending additional $10,000 on a card withing the first year
| regular APR | |
- get $100 for spending $500 on the card in the first 3 months
- 3% cash back on dining
- 2% on groceries
- 1% unlimited on everything else
excellent required
unlimited rewards 3% on dining, 2% on groceries, 1% on other purchases
$100 bonus for spending $500 on the card in the first 3 months
no annual fee
no balance transfer fee
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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