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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 | |
- 3x points on AAA and travel purchases
- 2x points on gas and groceries
- 1 point on all other purchases
good credit required
no annual fee
get AAA points for purchases
| regular APR | |
- get 8,000 points every year you spend $10,000 or more on purchases
- get 32,000after you spend $1,000 on purchases in the first 90 days
- 15 points for participating hotels bookings
- 2 points on everyday purchases
no annual fee
up to 32,000 points welcome bonuses (up to 4 nights free)
8,000 points every year you spend $10,000 or more on purchases
15 points for hotel purchases
2 points on all purchases
| regular APR | |
- 4 points per dollar on purchases
- 100 points for every $1 of interest charged by bank on your balance with a balance more than $1,500
- 100 points for every $2 of interest charged by bank on your balance with a balance between $500- $1,500
good credit required
no annual fee
low APR
intro BT APR
points for carrying a balance
| regular APR | |
- 2x miles on Korean Air purchases
- get 15,000 miles after first purchase
basic card $50 annual fee
signature card $80 annual fee
no foreign transaction fee
| regular APR | |
- earn 5x points for gas, grocery and drugstore purchases in the first 6 months
- 1 point per dollar on all purchases then
- 15,000 bonus points if you spend $1,000 (net purchases) in first 3 months
good credit required
no annual fee
15,000 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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