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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 for travel booked through American Express
good credit required
no annual fee
1-2x points on $1
| regular APR | |
fair credit required
no annual fee
low APR
12 months intro APR and balance transfer
| regular APR | |
- earn 2 points per dollar on your category of choice (gas, groceries or airlines) and cell phone bills
- 1 point per dollar on everything else
- 3 points for qualifying charitable donations
- no annual fee first year
excellent required
$49 annual fee, $0 first-year fee
no annual fee option (Flex Points card)
| regular APR | |
- 2% back on gas, groceries, restaurants and Disney of course
- 1% back on everything else
- get $200 as a statement credit after spending $500 in the first 3 months of the account
good credit required
$49 annual fee
10% off on Disney purchases
| regular APR | |
- get 2x points on Amtrak purchases
- 1x on all other purchases
- plus 12,000 points sign up bonus after spending $500 in the first 3 months
good credit required
no annual fee
2x points on Amtrak
12,000 welcome bonus
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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