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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 miles on every dollar spent on British Airways purchases
- 1 miles on all other purchases
- get 50,000 miles after spending $3,000 in the first 3 months
good credit required
$95 annual fee, waived for the first year
1% regular rewards rate
50,000 bonus miles
| regular APR | |
- get 25c per gallon rebates for $100 spend anywhere in the first 60 days of the card
- after that, 15c per gallon gas rebates for every $100 spent on BP
- and 5c on $100 spend everywhere else except non BP gas stations
fair credit required
no annual fee
5c/15c/25c per gallon in rebates
| regular APR | |
- earn 3% back on Amazon purchases
- 2% on gas, dining out and drugstores
- 1% on everything else
- get $50 on your Amazon account upon cards approval
fair credit required
no annual fee
3% back on Amazon
2% back on gas, dining and drugstores
| regular APR | |
- 5% cashback on quarterly categories ($1,500 quarterly limit, then 1%)
- get $100 bonus after spending $500 on the card in the first 3 months
- get $25 on first added authorized card user
fair credit required
no annual fee
0% intro APR
5% cash back on quarterly categories
$100 intro bonus
- earn 3x points on airplane tickets booked directly with airlines
- 2x points for gas, supermarkets
- 1 point per dollar on everything else
- get 25,000 points after spending $3,000 in the first 3 months of the account
good credit required
$195 annual fee, waived for first year
charge card, need to pay off balance in full every month
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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