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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 per dollar on all Virgin Atlantic purchases
- earn 1.5 miles per dollar on all other purchases
- get 20,000 miles bonus after first card purchase
- get 15,000 miles annual bonus
- +5,000 miles for additional cardholders
good credit required
$90 annual fee
1.5-3 miles/$1 rewards rate
+20,000 bonus miles
| regular APR | |
- get $25 every quarter if you pay your balance faster than just minimum payments
- plus get additional $5 if you have a checking account with BoA
- cashback is posted to your account automatically
good credit required
no annual fee
good 0% intro APR offer
up to $30 cashback every quarter
| regular APR | |
- earn 5% on quarterly changing category up to $1,500 quarterly maximum in purchases
- 1% on all other purchases
good credit / fair credit required
no annual fee
5% cash back on selected quarterly category
high limits
| regular APR | |
- earn 1% cash back on all purchases
- get 1% more when you pay of your purchases in full on time
good credit required
no annual fee
1% cash back with no limitations
plus 1% more when you pay off balance in full
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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