You’ve worked hard and paid your bills on time, and you’ve been rewarded with a good credit score. Congratulations! The good news about having good credit is that you are more likely to qualify for credit cards that have some special perks such a no annual fees, a low APR, and cash or travel rewards. It can be difficult for consumers to evaluate all of the many options available when it comes to credit cards, so we’ve done some of the legwork for you.
We have looked at dozens of credit cards that are geared toward consumers with good credit. We’ve evaluated their percentage rates, whether or not they have an annual fee, their rewards, and other criteria. Take a look at some of these recommended credit cards and make your decision about which you’d like to apply for.
With no annual fee and a cash-matching program, you’ll reap many financial benefits.
Check PriceThe card that made our top pick for consumers with good credit is the Discover it® Cash Back. The first great feature is that there is no annual fee. You’ll also be able to check your FICO score for free (you should be doing so every year to make sure that your rating stays nice and high), and the cash back rewards are excellent.
In This Article
The 5 Top-Rated Credit Cards for Good Credit
| Editor's Picks | Brand | Rating |
|---|---|---|
| Best Overall | Discover it® Cash Back | 4.8 |
| Runner Up | Chase Sapphire Preferred | 4.2 |
| Best Low-Interest Card | Bank Americard | 4.2 |
| Best Card With No Annual Fee | Wells Fargo Platinum Visa | 4.4 |
| Best Card With Cash Rewards | Chase Freedom Unlimited | 4.8 |
*Ratings are from CreditCards.com at the time of publication and can change
Our Top Pick: Discover it® Cash Back
The Discover it® Cash Back card is our top pick for anyone who has a great credit score. The perks are pretty enticing: all of the customer service is 100 percent U.S. based, you can check your credit score for free, and there are security features such as a freeze/start system so you can control when your card is used. This is great for those inconvenient times when you lose your card or leave it somewhere; you might not want to cancel it right away, but you certainly don’t want it to be used until it’s safe in your hands once again.
The crowning feature of this card is its cash back system. You can earn 5 percent on purchases at gas stations, grocery stores, Amazon.com and other places, up to the quarterly maximum. You can also earn 1 percent cash back on other purchases. That will add up quickly. Even better, Discover will match your cash back the whole first year. There’s no limit to the amount they’ll match. Your cash back rewards never expire, either.
Discover it® Cash Back Key Features:
- No annual fee
- Customer service is all in the U.S.A.
- Check your credit score for free
- Security features
- Up to 5 percent cash back
- Cash back matching program
Our Runner Up Pick: Chase Sapphire Preferred
Excellent travel rewards makes this card a treat for those with good credit.
Check PriceThe Chase Sapphire Preferred card made our runner-up spot. When you spend $4,000 in your first three months, you’ll earn 60,000 points. This is an amazing card for consumers who love to travel, as it is part of the Ultimate Rewards program through Chase. You get twice the travel points for airplane tickets, hotels, taxis, and restaurants, and one point per dollar spent on all other purchases. In addition, you’ll enjoy perks like no transaction fees when using the card in other countries, auto collision insurance for rental cars, trip cancellation insurance, and much more. You’ll also get 24/7 direct access to customer service representatives
There is a $95 annual fee, which is what mad.e this card our runner-up pick instead of our top pick. The APR can be as low as 18.24 percent; it depends on your credit score. The better your score, the lower your interest rate.
Chase Sapphire Preferred Key Features:
- Earn 60,000 points the first three months
- Part of the Ultimate Rewards program through Chase
- Enjoy double travel points
- Travel perks
- Auto insurance primary coverage
Best Low Interest Credit Card for Good Credit: BankAmericard
Our top pick for low-interest credit cards is BankAmericard. For your first 15 billing cycles, you’ll have a 0 percent APR. In addition, you’ll have that same zero APR for the first 60 days on any balance transfers. Once the no-APR promotion runs out, the interest rate can be as low as 15.24 percent, depending on how good your credit score is. To keep that interest rate as low as possible, you’ll want to be sure to make all payments on time not only on this card but on any other accounts you might have.
Other perks include no annual fee, no penalty APR, free access to your FICO score, and access to credit education. These educational topics will teach you how to budget and will encourage you to use your credit cards responsibly, making this a great perk for relatively new credit card users.
Bank Americard Key Features:
- Zero APR for the first 15 billing cycles
- Easy balance transfers
- No penalty APR
- No annual fee
- Free credit education
Best No Annual Fee Credit Card for Good Credit: Wells Fargo Platinum Visa
The Wells Fargo Platinum Visa is our top pick for cards offering no annual fee. Balance transfers start off at $5 or 3 percent (whichever is greater) for the first 120 days, then will go to 5 percent each, so be sure to transfer any balances during the first few months of card ownership. Cash advances are $10 or 5 percent (whichever is greater) and overdraft protection is between $12.50 and $20, depending on the amount overdrafted.
This card also has great terms when it comes to the APR. It’s zero percent for the first 18 months, which is one of the longest interest-free periods available when it comes to credit cards for those with good credit. Once the 18 months have passed, the APR can be as low as 13.74 percent for purchases. The grace period (where you would pay no interest) is 25 days.
Wells Fargo Platinum Visa Key Features:
- No annual fee
- Low fees for balance transfers
- 0% APR for the first 18 months
- Account protection features
Best Credit Card for Good Credit with Cash Rewards: Chase Freedom Unlimited
The Chase Freedom Unlimited is our top pick among cards that offer cash back rewards. This card offers an impressive 3 percent cashback during your first year up to the first $20,000 that you spend. After that, the cash back amount drops down to 1.5 percent on all purchases. These rewards never expire and there is no minimum to redeem the cash back rewards.
In addition, you’ll enjoy a zero percent APR for the first 15 months. After that, the APR could be as low as 17.24 percent, depending on your credit score. There is no annual fee, either. In addition, there’s a referral program where you could earn up to $500 per year for referring a friend who qualifies for and opens an account. This card includes all of the benefits and protections that you’d expect from any Chase product.
Chase Freedom Unlimited Key Features:
- Up to $600 back your first year (3% of $20,000)
- 1.5% back after the first year
- 0% APR for the first 15 months
- Referral program
- No annual fee
Who Should Apply for a Credit Card for Good Credit
Many people like to use a credit card as a convenient payment option no matter where they go. Paying by credit card means that you have protections in place in the case of fraud; it also allows you to keep track of expenditures easily and to simply pay them off at the end of the month rather than keep close track of what is in your checking account an any given moment. If you have good credit and you are confident in your ability to use your credit card responsibly, consider applying for a credit card for people with good credit.
With no annual fee and a cash-matching program, you’ll reap many financial benefits.
Check PriceImportant Features to Consider
Credit cards all have different features. The good news about a credit card marketed toward people with good credit is that they often have special perks and features that are beneficial for the user. Here are some features to keep in mind as you decide which card or cards to apply for.
- Interest rate. Also called the annual percentage rate (or APR), the interest rate is applicable if you do not pay off your balance in full every month before the grace period is over. It will be less important if you will be paying off your balance every month, as you will not be paying interest in that case.
- Annual fee. Some cards charge an annual fee and some do not. While a no annual fee card is preferable to many people, in some cases, a higher annual fee will offset a lower percentage rate. Again, if you are going to pay off your balance every month, you would be better off accepting a higher APR in exchange for no annual fee.
- Rewards. One reason that many people like to use credit cards is that they can earn travel or cash back rewards. This is a great way to pay for your airline tickets for a vacation or to simply pad your savings account. Review the terms of the rewards carefully to be sure you’re getting the best deal if this is important to you.
Frequently Asked Questions
What is a good credit score?
Credit score can fall anywhere between 300 and 850. While the term “good credit score” can be a bit variable, most people and creditors consider a good credit score to be 700 or above.
What credit cards can you get with a 700 credit score?
Most of the credit cards listed in this article will be attainable for someone with a 700 or higher credit score. Keep in mind that a credit score is not the only factor that is considered, however. You will need to have a certain income level to qualify; you’ll also need to have a low enough debt-to-income ratio that will allow you to make your payments. These factors vary depending on the financing company.
How good is a 706 credit score?
A 706 credit score is slightly higher than the lowest credit score in the “good” category. If you have trouble qualifying for any of these cards with this score, try to raise your score to over 720, as this can boost your chances.
Do credit cards for good credit have low interest rates?
You need to read the terms of the card that you are considering. While most cards for people with good credit will have lower interest rates than cards geared toward people with fair or poor credit, this is not always the case. Always be familiar with the terms of any financial tools you plan to use.
Other Good-Credit Credit Cards We Reviewed
With no annual fee and a cash-matching program, you’ll reap many financial benefits.
Check PriceThere are many options when it comes to choosing a credit card if you have good credit. While these additional 20 cards didn’t make our top spots, they still have some excellent perks and are great choices. The information you will need to compare them is included with each listing.
No or Low Interest Credit Cards
Enjoy no interest for the first 15 months on both purchases and balance transfers with this card. Other perks include no annual fee, a one-time $150 cash bonus and unlimited rewards.
Key Features:
- 15 month 0% APR
- No annual fee
- New cardholder bonus
This card offer 14 months of a zero percent APR, making it ideal if you have a balance you’d like to transfer over. You also won’t get a late payment fee on your first late payment and paying late won’t raise your APR.
Key Features:
- 14 months 0% APR
- No annual fee
- Earn cash back
There is no interest for the first 18 months that you hold this card, making it ideal for someone who has some debt to pay off. In addition, there are no annual fees, no penalty APR, no foreign transaction fees, and even a late fee waiver.
Key Features:
- No interest for 18 months
- No penalty APR
- No annual fee
USAA Rate Advantage Visa Platinum
If you have good to excellent credit, you could qualify for a 9.15 percent APR, which makes this one of the lowest long-term interest rate cards available. There are also no annual fees or penalty APRs.
Key Features:
- APR ranges from 9.15 to 26.15 percent
- No annual fee
- No foreign transaction fees
With a zero percent APR for the first 20 months, you can stretch out payments over a long period of time without paying any interest. You’ll also enjoy paying no annual fee with this highly regarded card.
Key Features:
- 0% APR for 20 months
- No annual fee
- Choose your due date
Best Cash or Travel Rewards Credit Cards
American Express Blue Cash Preferred
New users will earn $250 back when you spend $1,000 on your card in the first three months. In addition, you’ll get back 6 percent on grocery purchases, 3 percent on gasoline and travel expenses, and 1 percent on everything else.
Key Features:
- $95 annual fee
- 12 month introductory 0% APR
- Use rewards on your statement balance or toward gift cards
American Express Gold Delta Skymiles
Avid travelers will enjoy this AmEx card. You’ll get 60,000 skymiles when you spend $2,000 during your first three months and $50 on your statement if you make a Delta purchase within that time.
Key Features:
- No annual fee the first year, then $95 annually thereafter
- APR as low as 17.99 percent
- Earn double skymiles when you book with Delta
American Express Marriott Bonvoy Brilliant
This card allows you to earn up to 75,000 points when you charge $3,000 during your first three months, and when you stay at Marriott Bonvoy hotels, you’ll earn a whopping 6 times the points.
Key Features:
- $450 annual fee
- APR as low as 17.99 percent
- Earn a $100 hotel credit
Bank of America Premium Rewards
You can earn 50,000 online bonus points with this card, which is a $500 value. You get double points with travel and dining expenses and 1.5 the number of points on all other purchases.
Key Features:
- Annual fee is $95
- Get $200 in travel credits
- World-class travel perks
This is a card geared toward small businesses. You’ll receive 80,000 points (that’s $1,000 in travel credits) when you spend $5,000 your first three months. A referral program allows you to earn even more!
Key Features:
- Employee cards at no additional cost
- $95 annual fee
- APR starts at 18.24%
This card is unique in that you earn 1 percent on all of your purchases and then an additional 1 percent as you pay them off. No annual fee, no caps, and no categories that pay out differently.
Key Features:
- No limits on cash back
- No confusing categories
- No annual fee
If you travel regularly, you’ll love this deal: Discover will match your miles during your first year. That means that if you earn 25,000 miles, you’ll get an additional 25,000 miles from the company at your one-year anniversary.
Key Features:
- No blackout dates
- Earn unlimited miles
- No annual fee
Hockey lovers will be thrilled to carry the official card of the NHL. Earn cash back, which Discover will match, on gas stations, restaurants, grocery stores, and much more. Earn as much as 5% back depending on your purchases.
Key Features:
- Save 10% on NHL TV subscriptions and NHL purchases
- No annual fee
- Earn up to 5 percent cash back
Earn as much as $150 during your first 90 days if you make $500 in eligible purchases. You can also earn 1.5 percent cash back with no limits. No annual fee and an introductory 0 percent APR on balance transfers round out the benefits.
Key Features:
- No annual fee
- Introductory zero percent interest for balance transfers
- 1.5 percent cash back
No Annual Fee Credit Cards
This card features not only no annual fee but also a 12-month introductory period of no interest. You get a $150 credit when you spend $1,200 in the first 90 days after opening the account.
Key Features:
- 0% introductory APR
- No annual fee
- Earn $150 the first 90 days
You’ll pay no annual fee with this American Express card; in addition, you’ll enjoy earning $150 in the first three months when you spend $1,000 and a zero percent APR for 15 months.
Key Features:
- Unlimited cash back
- Payment flexibility
- Introductory 0% interest rate
This card is as simple and easy to use as its name would imply. There are no annual fees, no late payment fees, and no penalty rates. You also get a low APR on purchases for a year and on balance transfers for 21 months.
Key Features:
- Low introductory APR
- No late payment fees
- No penalty APR
Not only do you enjoy the benefit of no annual fees with this card but you also get no interest for a year and the opportunity to earn cash back, starting with a $150 credit when you spend $500 during the first three months.
Key Features:
- Earn cash back
- One year interest free on purchases
- No annual fee
Combine no annual fee with no interest for the first year and 1.5 percent unlimited cash back for a great credit card if you have good credit. You can even qualify for a $200 cash bonus by spending $1,000 in three months.
Key Features:
- Earn a cash bonus
- No interest for 12 months
- 1.5 percent cash back
Wells Fargo Propel American Express
Earn 30,000 points when you spend $3,000 in the first 90 days with this card. You’ll also be able to earn between points (triple points in some categories) with each purchase, and no annual fee, too!
Key Features:
- Lots of reward opportunities
- Cell phone protection
- No annual fee
