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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 tax deductible 1% cash back and automatically send it to the charity of your choice
good credit / fair credit required
- No Annual Fee
- Low APR starting at 10.74%
- World MasterCard benefits
- Earns 1% Cash Back to ANY nonprofit of your choice including K-12 schools, colleges, & religious organizations
- Comes with all of the great benefits of a World MasterCard
- Support up to three nonprofits at once
| regular APR | |
- earn unlimited miles at 1.5% rate on every purchase
good credit required
no annual fee
unlimited 1.5 miles per dollar
redeem for any travel or cash
| regular APR | |
- earn 2x points on $1 spent on dining out and entertainment
- get 15,000 points after $1,000 in first 3 months
- redeem for gift cards or even cash
good credit required
no annual fee
2x points on entertainment and dining
15,000 initial bonus
| regular APR | |
get $200 for spending $1000 on a card in the first 3 months
excellent required
no annual fee
earn 1.5% flat rate cash back on all purchases
get $200 bonus for spending $1000 on the card in the first 3 months
0% APR on purchases and balance transfers for 12 months
| regular APR | |
- 5x points on Ritz-Carlton purchases or partner hotel purchases
- 2x points on gas, dining,
- get two complimentary nights Tier 1-4 Ritz-Carlton hotel, after you spend $4,000 on purchases in the first 3 months
- $300 annual travel credit
good credit required
$450 annual fee
$300 annual travel credit
5x on Ritz Carlton and SPG purchases
special hotel privileges
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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