June 30, 2023
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Along with elevated rewards on every purchase, this $0-annual-fee card offers an interest-free period on purchases and balance transfers for more than a year — making it a top choice if you have good credit.
With a good credit score — typically a FICO® Score between 670 and 739 or a VantageScore® between 661 and 780 — you can likely qualify for a wide variety of credit cards, including cash back cards, $0-annual-fee cards, 0%-intro-APR cards, travel cards and more. We rounded up some of the top credit cards for good credit to help you decide which card is the best fit for you.
Get 1.5% to 5% cash back on every purchase
This $0-annual-fee card lets you enjoy 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases. Rewards are worth 1 cent each when redeemed for cash, but you can get even more value by transferring them to another Chase card that earns Ultimate Rewards points. For example, if you transfer your rewards to the Chase Sapphire Preferred® Card and redeem them for travel through Chase’s portal, they’ll be worth 1.25 cents each.
On top of that, the Chase Freedom Unlimited® offers an intro APR on purchases and balance transfers for more than a year.
Who’s this card best for?
This is a clear winner if you’re looking for a well-rounded card that offers a generous cash back rate, an interest-free period on purchases and balance transfers and a $0 annual fee.
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.0% intro APR on balance transfers for 21 months
0% for 18 months on Balance Transfers, then 19.24% - 29.24% (Variable)
You can get one of the longest interest-free periods currently available on balance transfers from the Citi Simplicity® Card. There’s also an intro APR of 0% for 12 months on Purchases, then an 19.24% - 29.99% (Variable) APR.
Just know you won’t earn rewards with the Citi Simplicity® Card, and there are balance transfer and foreign transaction fees. However, the card comes with a $0 annual fee, charges no late fees and won’t raise your APR if you pay late.
Who’s this card best for?
If you have a large amount of high interest debt that you need to transfer, this card is ideal since it offers an extremely long intro APR on balance transfers. Plus, if you have a tendency to pay your bill late — which we 100% don’t recommend — you won’t be penalized with late fees or a penalty APR.
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Earn 1.5% cash back on general purchases
The Capital One Quicksilver Cash Rewards for Good Credit lets you earn a competitive flat rate of 1.5% Cash Back on every purchase, every day; 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply). Note, though, that there’s no sign-up bonus offered with this card.
Still, you won’t have to worry about a foreign transaction fees — there are none — and the annual fee is $0. However, the regular APR is on the high side at 30.74% (Variable), so any balance you don’t pay off by the statement due date will be subject to high interest charges.
Who’s this card best for?
If you don’t want to bother with bonus rewards categories or spending caps, a flat-rate card keeps it simple.
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Get 3% cash back on dining, groceries, streaming services and entertainment
With the Capital One SavorOne Cash Rewards for Good Credit, you’ll earn 3% Cash Back on dining and at grocery stores (excluding superstores like Walmart® and Target®); 3% Cash Back on popular streaming services and entertainment; 8% Cash Back on Capital One Entertainment purchases; 1% Cash Back on all other purchases. Earn 8% cash back on Capital One Entertainment purchases — that’s a strong cash back rate for a variety of popular spending categories.
This card has a $0 annual fee, and as for foreign transaction fees — there are none.
Just know, the card doesn’t offer a sign-up bonus, and the APR is high at 30.74% (Variable).
Who’s this card best for?
If you spend a significant portion of your budget on restaurant, grocery, entertainment and streaming service purchases — and your good credit score prevents you from being approved for the higher-level Capital One SavorOne Cash Rewards Credit Card — this card is a solid choice. You won’t get a sign-up bonus or an intro APR, but you’ll enjoy the same great cash back program as the standard card.
Earn up to 3% cash back at U.S. supermarkets.
The Blue Cash Everyday® Card from American Express offers one of the highest rewards rates you can find on U.S. supermarkets and U.S gas purchases for a $0-annual-fee card.
If you max out the annual $6,000 spending cap at U.S. supermarkets, you’ll get $180 in cash back from those purchases alone. Plus, you’ll earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
Who’s this card best for?
If you don’t mind keeping track of spending caps and bonus categories, the Blue Cash Everyday® Card from American Express provides a great opportunity to earn a generous cash back rate on everyday purchases without paying an annual fee.
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Sign-up bonus worth $750 in travel
If you’ve established good credit but are new to travel credit cards, the Capital One Venture Rewards Credit Card is a good starter card. You’ll get 2 Miles per dollar on every purchase, every day; 5 Miles per dollar on hotels and rental cars booked through Capital One Travel.
There’s a $95 annual fee, but the sign-up bonus more than makes up for that amount during the first year. On an ongoing basis, if you spend $4,750, you’ll recoup the amount of the annual fee in rewards (if valuing each mile at 1 cent).
Along with using miles to book travel through Capital One Travel, miles can be used to cover past travel. Miles can also be redeemed for cash, checks, statement credits, gift cards, PayPal purchases, Amazon.com purchases or event tickets through Capital One Entertainment. You can also transfer them to a number of loyalty partners — often at a rate of 1:1.
Who’s this card best for?
With its lucrative welcome offer, solid ongoing rewards rate, flexible redemption options and valuable travel benefits, the Capital One Venture Rewards Credit Card is a strong option if you’re in the market for a travel card.
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Earn 1.5% back on general purchases
The Capital One Spark Cash Select for Good Credit is ideal if you’re a small business owner who wants to earn rewards from company expenses at a simple, flat rate. You’ll get 1.5% Cash Back on every purchase; 5% Cash Back on hotels and rental cars booked through Capital One Travel.
There’s no sign-up bonus, but there is a helpful intro APR of 0% on purchases for 12 months. After that, a 21.24% - 29.24% (Variable) APR applies. The annual fee is $0, and as for foreign transaction fees — there are none.
Who’s this card best for?
If you’re looking to earn consistent rewards on all of your business spending or if you need to finance large business expenses without incurring interest charges for a year, this card could be a great fit.
| Credit Cards | Our Ratings | Welcome Offer | Rewards Rate | Regular APR | |
|---|---|---|---|---|---|
|
Chase Freedom Unlimited®
|
Winner
|
Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Ultimate Rewards®, 4.5% on dining and drugstores, and 3% on all other purchases. | Enjoy 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases | 20.49% – 29.24% Variable | |
|
Citi Simplicity® Card
|
balance transfers
|
N/A | N/A | 19.24% - 29.99% (Variable) | |
|
Capital One Quicksilver Cash Rewards for Good Credit
Apply Now
on Capital One's secure site Rates & Fees |
flat cash back rewards
|
N/A | 1.5% Cash Back on every purchase, every day; 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply) | 30.74% (Variable) |
Apply Now
on Capital One's secure site Rates & Fees |
|
Capital One SavorOne Cash Rewards for Good Credit
Apply Now
on Capital One's secure site Rates & Fees |
dining and entertainment
|
N/A | 3% Cash Back on dining and at grocery stores (excluding superstores like Walmart® and Target®); 3% Cash Back on popular streaming services and entertainment; 8% Cash Back on Capital One Entertainment purchases; 1% Cash Back on all other purchases | 30.74% (Variable) |
Apply Now
on Capital One's secure site Rates & Fees |
Blue Cash Everyday® Card from American Express
|
U.S. supermarket shopping
|
Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months. | 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%. 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%. 3% Cash Back at U.S. gas stations, on up to $6,000 per year in purchases, then 1%. 1% cash back on other purchases. Terms apply. | 19.24%-29.99% Variable | |
|
Capital One Venture Rewards Credit Card
Apply Now
on Capital One's secure site Rates & Fees |
travel
|
Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel | 2 Miles per dollar on every purchase, every day; 5 Miles per dollar on hotels and rental cars booked through Capital One Travel | 21.24% - 29.24% (Variable) |
Apply Now
on Capital One's secure site Rates & Fees |
|
Capital One Spark Cash Select for Good Credit
Apply Now
on Capital One's secure site Rates & Fees |
small business owners
|
N/A | 1.5% Cash Back on every purchase; 5% Cash Back on hotels and rental cars booked through Capital One Travel | 21.24% - 29.24% (Variable) |
Apply Now
on Capital One's secure site Rates & Fees |
First, it’s important to understand that you can have multiple credit scores — there are different credit scoring models used for different purposes.
Typically, lenders will use your FICO® Score to evaluate whether to extend credit to you. FICO® Scores can range from 300 to 850 and fall into the following tiers:
Another credit scoring model you might encounter is VantageScore®, which also ranges from 300 to 850. Your VantageScore® can fall into the following tiers:
As you compare the best credit cards for good credit, you’ll want to choose a card based on how you plan to use it. Consider which of the following card features are most important to you:
Rewards rate. If you want a simple approach to earning rewards, a flat-rate card that offers 1% to 2% back on every purchase is ideal. But if you spend heavily in specific categories, consider a card that offers a bonus rate on those purchases.
Sign-up bonus. Not all credit cards for good credit offer sign-up bonuses or welcome offers. But if you want to earn a big influx of rewards in a short period of time, there are several cards available that provide bonuses of $200 or more once you reach the required spend threshold.
Annual fee. If you don’t want to pay every year for your card, there are plenty of cards that don’t charge an annual fee. However, the benefits provided by certain cards are well worth their annual fee. Consider whether it makes sense in your situation.
0% intro APR. If you need to make a large purchase and pay it off over time, or if you want to transfer existing high-interest credit card debt, a 0% intro APR may be a good fit. There are cards for good credit available that offer intro APRs on purchases and/or balance transfers for 12 to 15 months.
Other benefits. Some credit cards also offer benefits that add extra value, such as purchase protections, travel insurances and credits and more.
Once you decide which credit card for good credit is right for you, here are the steps you should take to apply:
Check your credit score. You should make sure your credit score is in the required range before submitting an application. There are several ways to check your score without negatively impacting your credit. For example, you can request a free copy of your FICO Score every 30 days through Experian, or you can sign up for a free credit score through LendingTree.
Compare card offers. Research card offers to see which features suit your financial needs and spending habits the most.
See if you prequalify. Many issuers let you check to see if you prequalify for a card before you actually apply. This allows you to avoid a hard inquiry that could potentially hurt your credit score. Note, when you do apply for the card, a hard inquiry will be triggered.
Apply for the card. Finally, submit an application for the card you want. The majority of issuers let you do this online, which is the quickest and easiest way to apply for a credit card. The application will require personal and financial information, such as your full name, date of birth, Social Security number, employment information, income, housing cost and more.
If your credit score falls short of the “good” range, don’t give up hope. There are several steps you can take to improve your credit score. It does take time, so be consistent and patient.
The excellent credit score range depends on which scoring model is being used. A very good or exceptional FICO score is 740 to 850. An excellent VantageScore is 781 to 850.
A good credit score depends on which scoring model is being used. A good FICO score is in the 670 to 739 range. A good VantageScore is in the 661 to 780 range.
The most important factor for building your credit score is making all your payments on time. Besides this, you should keep your credit utilization low, have a mix of different account types, and limit the number of new accounts you open in a short period. You’ll also want to keep some older accounts open, as the average length of your credit accounts positively affects your credit score.
In selecting the best credit cards for good credit, the first thing we considered was the credit required for each of these cards — they should be accessible for people with good credit scores.
We also evaluated the cards’ rewards programs, selecting those with structures that offer value to consumers with a variety of needs.
If a card offers a lengthy introductory APR, that was weighed in favor of its inclusion on this list.
Finally, most of the cards here charge no annual fee and no foreign transaction fee.
To see rates & fees for Blue Cash Everyday® Card from American Express please click here.
To see rates & fees for The Platinum Card® from American Express please click here.
For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
The information related to the Chase Freedom Unlimited® and Chase Sapphire Preferred® Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
The above offers and/or promotions may have since changed, expired, or is no longer available. Check the Issuers’ website for more details.
