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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 | |
- 5x points on Marriott or Ritz-Carlton purchases
- 2x points on airlines, rental cars and restaurants purchases
- 1x on everything else
- 80,000 points intro bonus
fair credit required
$85 annual fee, waived for the first year
80,000 sign up bonus
5x points on Marriott
2x points on airlines, rental cars, dining out
| regular APR | |
- 2x points on Southwest purchases and on Southwest Hotel and car rental programs partners purchases
- get 60,000 miles after spending $2,000 in the first 3 months
- +6,000 miles every account anniversary
good credit required
$99 annual fee
2x on Southwest purchases
60,000 miles bonus
| regular APR | |
- earn 2x miles on United purchases
- 1x regular rate on all other purchases
- get 30,000 miles bonus after spending $1,000 in the first 3 months
good credit required
$95 annual fee, waived for the first year
first checked bag free
30,000 miles intro bonus
| regular APR | |
- earn 2x miles on all purchases
- get 40,000 miles bonus after spending $3,000 on a card in the first 3 months
- redeem easily as a statement credit towards any travel expenses
good credit required
no first-year annual fee, $59 after
40,000 miles welcome bonus
2x miles on everything
Visa Signature status
| regular APR | |
- earn 3x at gas stations
- 2x at restaurants
- 1x on all purchases
- get 20,000 after spending $3,000 in the first 3 months
good credit required
$45 annual fee, $0 first-year
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.
What people ask
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