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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 5x points on Sony purchases
- earn 3x points on dining out and movies
- 1 point/$1 on all other purchases
- get 5,000 points after your first purchase
fair credit required
no annual fee
5x rewards on Sony purchases
3x points on dining out and movies
5,000 points welcome bonus
| regular APR | |
good credit required
no annual fee
low ongoing APR
0% intro APR until March 2016
| regular APR | |
- get 15,000 points after first purchase with a no annual fee card
- 3 points per $1 spent on participating hotel purchases with no annual fee card
- 2 points per $1 spenton eligible gas, utility and grocery store purchases
good credit required
no annual fee or $69 annual fee versions
3 points per $1 on participating hotel purchases
2 points per dollar on gas, utility and grocery store purchases
15,000 sign up bonus
| regular APR | |
good credit required
no annual fee
low APR starting from 9.74%
intro APR for 7 months
no rewards
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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