Rewards, No Annual Fee, Daily use
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On Capital One‘s site

Best Credit Cards for Good Credit of November 2022

Compare 501 credit cards for good credit score on Myfin.us.

By Hanna Volkava
Updated November 29, 2022

Best Credit Cards for Good credit score in November 2022

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Capital One VentureOne Rewards Credit Card best for Rewards, No Annual Fee, Daily use

VentureOne Rewards Capital One
Annual fee:
$0
Regular APR:
17.99% - 27.99% Variable
Our Rating:
4.72
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 5x Miles per dollar on hotels and rental cars booked through Capital One Travel.
    • 1.25x Miles per dollar on all purchases.
  • Intro Offer:
    • 20,000x Bonus miles once you spend $500 on purchases within the first 3 months from account opening.
  • Purchase Intro APR:
    0% Introductory APR for the first 15 months that your account is open, 17.99% - 27.99% variable APR after that
  • Balance Transfer APR:
    17.99% - 27.99% Variable
  • Issuer name:
    Capital One
  • Details:

    The Capital One VentureOne Credit Card offers 1.25x miles per dollar on every purchase, plus 5x miles per dollar on hotels and rental cars booked through Capital One Travel.

    Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening. The card also offers a 0% intro on purchases and balance transfers for 15 months, 17.99% - 27.99% variable APR applies after that.

    The Card doesn't charge an annual fee. The card has a balance transfer fee of 3% (none for balances transferred at the Transfer APR).

  • Pros:
    • No annual fee
    • No Foreign Transaction Fee
    • 15-month 0% APR intro offer
    • Bonus for New Members
  • Cons:
    • Lower Reward Rates
    • High APR
  • Benefits:
    • 20,000 bonus miles (once you spend $500 on purchases within the first 3 months from account opening);
    • 5x miles on hotels and car rentals;
    • 1.25x miles per dollar on every purchase;
    • $0 Fraud Liability;
    • The Eno assistant;
    • Auto Rental Collision Damage Waiver;
    • Travel Accident Insurance;
    • Transfer Your Miles;
    • Capital One Shopping;
    • Shop With Your Rewards;
    • Emergency Card Replacement;
    • 24/7 Customer Service;
    • Premier Culinary Experiences;
    • Must-See Music Events;
    • Big-time Sports Events.
View all VentureOne Rewards details
Apply now
On Capital One‘s site
Card detail

Capital One Venture Rewards Credit Card best for Travel, Daily use

Venture Rewards Capital One
Annual fee:
$95 annually
Regular APR:
18.99% - 26.99% Variable
Our Rating:
3.52
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 5x Miles per dollar on hotels and rental cars booked through Capital One Travel.
    • 2x Miles on all purchases.
  • Intro Offer:
    • 75,000x Bonus miles when you spend $4,000 on purchases in the first 3 months from account opening.
  • Balance Transfer APR:
    18.99% - 26.99% Variable
  • Issuer name:
    Capital One
  • Details:

    The Capital One Venture Rewards Credit Card offers rewards of 2 miles for every $1 spent on all purchases, plus 5 miles per dollar on hotels and rental cars booked through Capital One Travel.

    Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening.

    The Capital One Venture Rewards Credit Card's APR: 18.99% - 26.99% (Variable). The card has an annual fee of $95. The card has a balance transfer fee of 3% (none for balances transferred at the Transfer APR).

    As a travel card, your primary redemption options are to book travel through the Capital One rewards portal, receive a statement credit for recent eligible travel purchases (within the last 90 days) or transfer miles to partner airline and hotel programs.

  • Pros:
    • No Foreign Transaction Fee
    • High rewards rate
    • Flexible rewards redemption
    • Sign-up bonus
  • Cons:
    • Annual Fee
    • No intro APR offer
    • Miles transfer to airline partners is less than 1:1
  • Benefits:
    • 75,000 bonus miles (when you spend $4,000 on purchases in the first 3 months from account opening);
    • 5x miles on hotels and car rentals;
    • 2x miles on all purchases;
    • $0 Fraud Liability;
    • 24/7 Customer Service;
    • The Eno assistant;
    • 24-Hour Travel Assistance Services;
    • Global Entry or TSA Precheck Credit;
    • Auto Rental Collision Damage Waiver;
    • Travel Accident Insurance;
    • Transfer Your Miles;
    • Capital One Shopping;
    • Shop With Your Rewards;
    • Premier Culinary Experiences;
    • Big-time Sports Events;
    • Must-See Music Events.
View all Venture Rewards details
Apply now
On Capital One‘s site
Card detail

Capital One Walmart Rewards® Mastercard® best for Walmart purchases

Capital One Walmart Rewards®
Annual fee:
$0
Regular APR:
17.99% - 27.74% Variable
Our Rating:
4.12
scorer
Credit score
Fair to Good (580-739)
  • Rewards Rate:
    • 5% Cash Back at Walmart.com, including pickup and delivery.
    • 2% Cash Back in Walmart stores, at restaurants and on travel.
    • 1% Everywhere else Mastercard® is accepted.
  • Intro Offer:
    • 5% Cash Back in Walmart stores for the first 12 months after approval when you use your Card with Walmart Pay.
  • Balance Transfer APR:
    17.99% - 27.74% Variable
  • Issuer name:
    Capital One
  • Details:

    The Walmart Rewards® is a card for people who regularly shop at Walmart.

    The Card's APR: 17.99% – 27.74% (Variable). The card has a balance transfer fee of 3% (none for balances transferred at the Transfer APR).

    The Walmart Rewards® Card earns 5% Cash Back on in-store purchases for the first 12 months when using Walmart Pay. The card offers 5% Cash Back at Walmart.com, including pickup & delivery; 2% Cash Back in Walmart stores, at restaurants and on travel; 1% Cash Back everywhere else Mastercard is accepted.

    The Walmart Rewards® Card charges no annual fee and no foreign transaction fee.

  • Pros:
    • No annual fee
    • No foreign transaction fee
  • Cons:
    • No 0% intro APR period
  • Benefits:
    • 5% Cash Back in Walmart stores (for the first 12 months);
    • 5% Cash Back at Walmart.com;
    • 2% Cash Back in Walmart stores, at restaurants and on travel;
    • 1% Cash Back on all other purchases;
    • $0 Fraud Liability.
View all Walmart Rewards® details
Apply now
On Capital One‘s site
Card detail

Capital One Quicksilver Cash Rewards Credit Card best for Cash Back, No Annual Fee, Daily use

Quicksilver Capital One
Annual fee:
$0
Regular APR:
17.99% - 27.99% Variable
Our Rating:
4.58
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 1.5% Cash Back on every purchase.
  • Intro Offer:
    • $200 Cash Bonus once you spend $500 on purchases within 3 months from account opening.
  • Purchase Intro APR:
    0% Introductory APR for the first 15 months that your account is open, 17.99% - 27.99% variable APR after that
  • Balance Transfer APR:
    17.99% - 27.99% Variable
  • Issuer name:
    Capital One
  • Details:

    The Quicksilver Credit Card from Capital One® offers 1.5% Cash Back on all purchases with a $0 annual fee. It also offers a 0% intro on purchases and balance transfers for 15 months, followed by the standard APR of 17.99% - 27.99% (Variable). The card has a balance transfer fee of 3% (none for balances transferred at the Transfer APR).

    New cardholders will have the opportunity to earn a bonus: One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening.

  • Pros:
    • No minimum redemption is required
    • No annual fee
    • No foreign transaction fees
    • Intro APR period on Purchases
    • Generous sign-up bonus
  • Cons:
    • No bonus rewards categories
    • Other cards offer longer intro APR periods and/or lower APR
    • You need a good credit score to get this card
  • Benefits:
    • $200 Cash Bonus (once you spend $500 on purchases within 3 months from account opening);
    • Unlimited 1.5% Cash Back on every purchase;
    • $0 Fraud Liability;
    • Complimentary Concierge Service;
    • Travel Accident Insurance;
    • 24-hour Travel Assistance Services;
    • Capital One Shopping;
    • Shop With Your Rewards.
View all Quicksilver details
Apply now
On Capital One‘s site
Card detail

Capital One QuicksilverOne Cash Rewards Credit Card best for Fair credit

QuicksilverOne Capital One
Annual fee:
$39 annually
Regular APR:
28.49% Variable
Our Rating:
3.64
scorer
Credit score
Fair to Good (580-739)
  • Rewards Rate:
    • 1.5% Cash Back on every purchase.
  • Balance Transfer APR:
    28.49% Variable
  • Issuer name:
    Capital One
  • Details:

    The QuicksilverOne Credit Card from Capital One gives you 1.5% Cash Back on every purchase. The Card has an annual fee of $39.

    The QuicksilverOne Card has an APR of 28.49% Variable.

  • Pros:
    • Unlimited high rewards rate
    • Average credit score required
    • Automatically considered for a higher credit line after 6 months
    • No foreign transaction fees
  • Cons:
    • Annual fee
    • High APR
    • No bonus rewards categories
  • Benefits:
    • 1.5% Cash Back;
    • No Foreign Transaction Fees;
    • Autopay;
    • $0 Fraud Liability;
    • Card Lock;
    • ATM Location Services.
View all QuicksilverOne details
Apply now
On Capital One‘s site
Card detail

Upgrade Cash Rewards Visa® best for Good credit score

Upgrade Cash Rewards Visa®
Annual fee:
$0
Regular APR:
14.99% - 29.99% Regular
Our Rating:
4.35
scorer
Credit score
Fair to Excellent (580-799)
  • Rewards Rate:
    • 1.5% Cash Back on payments.
  • Intro Offer:
    • $200 Bonus when you open a Rewards Checking account and make 3 debit card transactions. *
  • Details:

    The Upgrade Cash Rewards Visa® claims it’s a combination of a personal loan and a credit card with low costs. We have to agree that it lives up to the expectations with a great 3% cash back rate in three categories – health, auto, and home plus 1% on everything else, and it offers credit lines that range from $500 up to $50,000. To earn the generous $200 bonus, you must open an Upgrade Rewards Checking Account and make three debit card transactions within the first 60 days. Keep in mind that you earn rewards only once you’ve paid back the purchases.

    The variable APR has a wide range and starts at a relatively low 14.99% - 29.99%. The rate will vary based on your creditworthiness, and for the lowest rates, you'll also have to activate Autopay. Applicants should expect to get a credit line between $500 and $25,000.

    The great thing about this card is that it has no fees; you won't have to worry about an annual fee or a foreign transaction fee.

  • Pros:
    • Great rewards program. Earn 3% cash back on health, auto, and home purchases plus 1% cash back on all other purchases.
    • Predictable payments. Charges on the card turn into an installment loan which you can pay off in a term of 12 to 60 months with a fixed APR.
    • No fees. It’s a great relief to be able to use a card without thinking about fees.
  • Cons:
    • No grace period. Unlike traditional credit cards, with this one you don’t have a grace period between the ending of your billing cycle and the due date of minimum payments. Instead, you start accruing interest right away.
  • Benefits:
    • $200 bonus;
    • 1.5% Cash Back;
    • Сontactless card technology.

    *To qualify for the $200 welcome bonus, you must open and fund a new Rewards Checking account and make 3 debit card transactions within 60 days of your Upgrade Card account opening. The bonus will be applied as a one-time credit to your account and will not otherwise reduce the amount of your regular monthly payments. The bonus credit will be posted to your Upgrade Card as a rewards credit within 1 - 2 billing periods following the third debit card transaction on your Rewards Checking account. Your Upgrade Card must be in good standing to receive a bonus.

View all Upgrade Cash Rewards Visa® details
Apply now
On Upgrade‘s website
Card detail
Upgrade Triple Cash Rewards Visa® Upgrade
Annual fee:
$0
Regular APR:
14.99% - 29.99% Regular
Our Rating:
3.53
scorer
Credit score
Fair to Excellent (580-799)
  • Rewards Rate:
    • 3% Cash Back on Home, Auto and Health categories.
    • 1% Cash Back on everything else.
  • Intro Offer:
    • $200 Bonus when you open a Rewards Checking account and make 3 debit card transactions (within 60 days of your Upgrade Card account opening). *
  • Details:

    The Upgrade Triple Cash Rewards Visa® Credit Card offers 3% Cash Back on home, auto and health purchase and 1% Cash Back on everything else.

    Earn a $200 welcome bonus when you open a Rewards Checking account and make 3 debit card transactions (within 60 days of your Upgrade Card account opening).

    The card's APR: 14.99% - 29.99% (Regular APR).

    Apply online and get a credit line from $500 to $25,000 with your Card.

    Read full review

  • Pros:
    • Every Purchase Earns You Cash Back
    • Increased Cash Back for Three Categories
    • Forget About Fees
    • No Limits Abroad
  • Cons:
    • You Can’t Withdraw Cash
    • Cash Back Doesn’t Satisfy Your Monthly Payments
  • Benefits:
    • $200 bonus;
    • 3% Cash Back on home, auto and health purchase;
    • 1% Cash Back on everything else;
    • Сontactless card technology.

    *To qualify for the $200 welcome bonus, you must open and fund a new Rewards Checking account and make 3 debit card transactions within 60 days of your Upgrade Card account opening. The bonus will be applied as a one-time credit to your account and will not otherwise reduce the amount of your regular monthly payments. The bonus credit will be posted to your Upgrade Card as a rewards credit within 1 - 2 billing periods following the third debit card transaction on your Rewards Checking account. Your Upgrade Card must be in good standing to receive a bonus.

View all Upgrade Triple Cash Rewards Visa® details
Apply now
On Upgrade‘s website
Card detail

WebBank Petal® 2 “Cash Back, No Fees” Visa® best for Beginner, No history

Petal® 2 “Cash Back, No Fees” Visa® WebBank
Annual fee:
$0
Regular APR:
15.99% - 29.99% Variable
Our Rating:
3.8
scorer
Credit score
No Credit History to Excellent (0-799)
  • Rewards Rate:
    • 1% - 1.5%:
    • Cash Back after making 12 on-time monthly payments.
    • 2% - 10%:
    • Cash Back from select merchants.
  • Issuer name:
    WebBank
  • Details:

    The Petal® 2 “Cash Back, No Fees” Visa® is an unsecured credit card designed for credit-builders. You can be considered for this card even with no credit history. It has a decent rewards program with 1% cash back right away and up to 1.5% on eligible purchases if you make 12 on-time payments. Additionally, you’ll earn 2% - 10% cash back at selected merchants.

    The credit limit varies between $300 and up to $10,000, with the APR range being 15.99% - 29.99%. As its name says, this card charges no fees.

  • Pros:
    • Decent rewards program. You’ll earn 1% cash back on every purchase and up to 1.5% if you make timely payments, plus 2% - 10% cash back at selected merchants.
    • No fees. You won’t have to pay any kind of fee with this card.
    • No credit history needed. If you don’t have any credit history, a Cash Score will be calculated for you, and you can still get approved for the card.
  • Cons:
    • No balance transfers. This card doesn’t allow balance transfers.
  • Benefits:
    • No foreign transaction fee;
    • Petal 2 reports to all 3 major credit bureaus;
    • Qualify with average credit.
View all Petal® 2 “Cash Back, No Fees” Visa® details
Apply now
On WebBank‘s site
Card detail

Celtic Bank Deserve EDU best for Cash Back, Without SSN, Student

Deserve EDU Celtic Bank
Annual fee:
$0
Regular APR:
22.49% Variable
Our Rating:
3.5
scorer
Credit score
No Credit History to Excellent (0-799)
  • Rewards Rate:
    • 1% Cash Back on all purchases with your Deserve EDU Mastercard. Once approved, you'll automatically start earning Cash Back on all purchases.
  • Issuer name:
    Celtic Bank
  • Details:

    The Deserve EDU Card makes it easy for students to start building credit.

    The Card's APR is 22.49% (Variable APR). The late payment is up to $25, while the returned payment is up to $37. Balance transfers and cash advances are not available.

    Students who make purchases totaling $500 within the first three statement cycles of card membership qualify to have their Amazon Prime Student subscription reimbursed (a $59 value).

    Students spend a significant amount on school supplies, textbooks and gear each year, and the Deserve EDU Mastercard can earn Cash Back on all of these purchases.

    Read full review

  • Pros:
    • No prior credit history required
    • No SSN Required
    • No Annual Fee
    • No
    • Transactions Fees
    • No Co-Signer/ Deposit Required
  • Cons:
    • Relatively High APR
    • Fairly Low Rewards
    • Only for Students
  • Benefits:
    • Cellphone Protection;
    • Collision Damage Waiver;
    • Concierge Service;
    • No International Transaction Fees;
    • Priority Pass™ Membership;
    • Mastercard Benefits;
    • No Social Security Number required for international students to apply.
View all Deserve EDU details
Apply now
On Celtic Bank‘s site
Card detail

WebBank Petal® 1 "No Annual Fee" Visa® best for For bad credit

Petal® 1 "No Annual Fee" Visa® WebBank
Annual fee:
$0
Regular APR:
22.99% - 32.49% Variable
Our Rating:
4.34
scorer
Credit score
No Credit History to Good (0-739)
  • Rewards Rate:
    • 2% - 10%:
    • Cash Back at select merchants.
  • Issuer name:
    WebBank
  • Details:

    The Petal® 1 "No Annual Fee" Visa® Card earns 2% - 10% Cash Back from select merchants.

    The Petal® 1 Card has no annual fee. The card's APR for purchases: 22.99% to 32.49% (Variable).

    The Petal® 1 "No Annual Fee" Visa® Card does not charge an annual fee or fee for foreign transactions.

    Read full review

  • Pros:
    • No Annual Fee
    • No Foreign Transaction Fee
  • Cons:
    • No welcome bonus
    • No intro APR period
  • Benefits:
    • 2 - 10% Cash Back;
    • Zero liability fraud protection;
    • $300 - $5,000 credit limits.
View all Petal® 1 "No Annual Fee" Visa® details
Apply now
On WebBank‘s site
Card detail
Upgrade Bitcoin Rewards Sutton Bank
Annual fee:
$0
Regular APR:
14.99% - 29.99% Regular
Our Rating:
4.2
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 1.5% Cash Back in bitcoin when you make payments.
  • Intro Offer:
    • $200 Bonus when you open a Rewards Checking account and make 3 debit card transactions.
  • Issuer name:
    Sutton Bank
  • Details:

    The Upgrade Bitcoin Rewards Visa® Credit Card earns 1.5% Cash Back in the form of bitcoin when you make your monthly payments. Earn a $200 welcome bonus when you open a Rewards Checking account and make 3 debit card transactions (within 60 days of your Upgrade Card account opening).

    The Upgrade Bitcoin Rewards Visa® Credit Card has no annual fee. The Card's APR: 14.99% - 29.99% (Regular).

    Read full review

  • Pros:
    • No Annual Fee
    • No Foreign Transaction Fee
  • Cons:
    • The Card cannot be used at an ATM
  • Benefits:
    • $200 bonus;
    • 1.5% back in bitcoin when you make payments;
    • Credit lines from $500 to $25,000;
    • Affordable monthly payments with no annual fee.

    *To qualify for the $200 bitcoin welcome bonus, you must open and fund a new Rewards Checking Account and make 3 debit card transactions within 60 days of your Upgrade Card account opening. The value of the $200 bonus will be based on the value of bitcoin at the time it is purchased (within 1 - 2 statement periods from the date the bonus is earned) and may change in price by the time you choose to sell it Refer to Program Terms. Your Upgrade Card must be in good standing to receive a bonus.

View all Upgrade Bitcoin Rewards details
Apply now
On Sutton Bank‘s site
Card detail
The Owner’s Rewards Card by M1 Celtic Bank
Annual fee:
$0 annually (for active M1 Plus customers)
$95 annually
Regular APR:
17.99% - 27.99% Variable
Our Rating:
3.91
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 10% You’ll get up to 10% Cash Back with select brands you hold in an eligible portfolio.
    • 1.5% Cash Back on everything else.
  • Issuer name:
    Celtic Bank
  • Details:

    The Owner’s Rewards Card by M1 earns up to 10% Cash Back on purchases with eligible brands. All other spending earns 1.5% Cash Back.

    Spend $4,000 with your new Owner’s Rewards credit card in the first 90 days and earn a $300 statement credit.

    The Owner’s Rewards Card by M1 comes with a $95 annual fee (the fee is waived for Plus members).

    Read full review

  • Pros:
    • No Foreign Transaction Fee
    • High rewards rate
  • Cons:
    • No Intro APR period
    • $95 annual fee (for non-plus members)
  • Benefits:
    • Up to 10% Cash Back on purchases with eligible brands;
    • 1.5% Cash Back on everything else;
    • Visa® Zero Liability.
View all The Owner’s Rewards Card by M1 details
Apply now
On Celtic Bank‘s site
Card detail

Capital One Spark Miles for Business best for Walmart purchases

Capital One Spark® Miles
Annual fee:
$0 intro for the first year
$95 thereafter
Regular APR:
23.99% Variable
Our Rating:
4.26
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 5x Miles on hotels and rental cars booked through Capital One Travel.
    • 2x Miles on every purchase for your business with no blackouts or seat restrictions and no minimum to redeem.
  • Intro Offer:
    • 50,000x Earn a one-time bonus once you spend $4,500 on purchases within the first 3 months of account opening.
  • Balance Transfer APR:
    23.99% Variable
  • Issuer name:
    Capital One
  • Details:

    The Capital One Spark® Miles for Business Credit Card has an annual fee of $0 (intro for the first year), then $95. The Card offers 2x miles on every purchase for your business and 5x miles on hotels and car rentals.

    The Card's APR for both purchases and transfers is 23.99%.

    The Capital One Spark® Miles for Business Card offers 50,000 miles once you spend $4,500 on purchases within the first 3 months of account opening.

    Use your miles on flights, hotels, vacation packages and more-you can even transfer miles to any of 15+ travel partners.

  • Pros:
    • Attractive sign-up bonus
    • No foreign transaction fees
  • Cons:
    • No 0% APR period
    • Annual fee after the first year
  • Benefits:
    • 50,000 bonus miles ( once you spend $4,500 on purchases within the first 3 months of account opening);
    • 5x miles on hotels and car rentals;
    • 2x miles on all purchases;
    • $0 Fraud Liability;
    • $100 Travel Credit;
    • Capital One Lounge.
View all Spark® Miles details
Apply now
On Capital One‘s site
Card detail
Divvy Cross River Bank
Annual fee:
$0
Regular APR:
None
Our Rating:
4.04
scorer
Credit score
Fair to Excellent (580-799)
  • Rewards Rate:
    • 2x - 7x:
    • Points on restaurants.
    • 2x - 5x:
    • Points on hotels.
    • 1.5x - 2x:
    • Points on recurring software subscriptions.
    • 1x - 1.5x:
    • Points on everything else.
  • Issuer name:
    Cross River Bank
  • Details:

    The Divvy Card is a corporate credit card.

    The Divvy Card earns 1-7x rewards, but it doesn't offer a sign-up bonus.

    Points can be redeemed for travel, gift cards, statement credits or cash back.

    Read full review

  • Pros:
    • No fees
    • Rewards
  • Cons:
    • No sign-up bonus
  • Benefits:
    • Unlimited creation of virtual cards;
    • Scalable credit line;
    • Employee cards for everyone;
    • Enforceable budgets;
    • Expense reports.
View all Divvy details
Apply now
On Cross River Bank‘s site
Card detail

Blue Cash Everyday® Card from American Express best for Cash Back, Gas, 0 APR, No Annual Fee, Families, Shopping, Groceries

Blue Cash Everyday® American Express
Annual fee:
$0
Regular APR:
17.74% - 28.74% Variable
Our Rating:
4.24
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 3% Cash Back on groceries 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 in purchases (then 1%).
    • 2% Cash Back on gas at U.S. gas stations on up to $6,000 per year in purchases (then 1%).
    • 1% Cash Back on other purchases. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
  • Intro Offer:
    • $150 Earn up to $150 back when you shop with PayPal merchants by earning 20% back in statement credits on your purchases, plus $100 back in statement credits after spending $2,000, all within the first 6 months.
  • Purchase Intro APR:
    0% Introductory APR for the first 15 months from the date of account opening
  • Balance Transfer APR:
    17.74% - 28.74% Variable
  • Issuer name:
    American Express®
  • Details:

    The Blue Cash Everyday® from American Express® has a well-deserved spot on many best rewards credit card lists. It offers solid cash back rates in two of the most popular spending categories for no annual fee. Cardholders will earn 3% in U.S. supermarkets (for up to $6,000 spent annually), 2% at U.S. gas stations, and 1% on everything else. They also have an opportunity to earn a $200 sign-up bonus by spending $2,000 in the first 6 months of card membership.

    Two other welcome offers can help your finances – 0% intro APR on purchases for the first 15 months of account opening (17.74% - 28.74% after that) and $0 fees for the Buy Now, Pay Later with Plan It plans created during the first 15 months (afterward, a 1.33% fee will be applied on every purchase).

  • Pros:
    • Cash back on everyday spending categories. Earn 3% in U.S. supermarkets (for up to $6,000 spent annually), 2% at U.S. gas stations, and 1% on everything else.
    • No annual fee. You don’t have to worry about paying an annual fee.
    • Cost-saving welcome offers. During the first 15 months, there's a 0% intro APR on purchases (17.74% - 28.74% thereafter) and $0 fees for the Buy Now, Pay Later Plan It plans (there’ll be a 1.33% fee after the offer ends).
  • Cons:
    • Capped rewards on groceries. After spending $6,000 annually at U.S. supermarkets, you'll no longer earn 3% cash back on those purchases but only 1%.
  • Benefits:
    • 3% Сash 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 in purchases (then 1%);
    • 2% Cash Back at U.S. gas stations on up to $6,000 per year in purchases (then 1%);
    • 1% Cash Back on all other purchases;
    • Up to $150 back when you shop with PayPal merchants by earning 20% back in statement credits on your purchases;
    • $100 back in statement credits after spending $2,000 within the first 6 months;
    • Car Rental Loss and Damage Insurance;
    • 24/7 Global Assist® Hotline;
    • American Express Experiences;
    • Fraud Protection;
    • Pay It Plan It;
    • Additional Cards;
    • Terms Apply.
Card detail

Chase Freedom Unlimited® best for Cash Back, 0 APR, No Annual Fee, Daily use

Chase Freedom Unlimited®
Annual fee:
$0
Regular APR:
17.24% - 25.99% Variable
Our Rating:
5
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 5% Cash Back on travel purchased through Chase Ultimate Rewards.
    • 3% Cash back on dining at restaurants, including takeout and eligible delivery services.
    • 3% Cash Back on drugstore purchases.
    • 1.5% Cash Back on all other purchases.
  • Intro Offer:
    • $200 Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.
    • 5% Cash Back on gas station purchases on up to $6,000 spent in the first year.
  • Purchase Intro APR:
    0% Intro APR for the first 15 months that your Account is open
  • Balance Transfer APR:
    17.24% - 25.99% Variable
  • Issuer name:
    Chase
  • Details:

    The Chase Freedom Unlimited® card comes with an excellent flat rate on all purchases, plus it earns you cash back in a few other bonus categories. You’ll get an unlimited 1.5% cash back for every dollar spent, as well as 5% on travel purchases made through Chase Ultimate Rewards, 3% on drugstore purchases and at restaurants (including take-out and eligible delivery services). New cardholders will enjoy two great welcome deals - a $200 sign-up bonus after spending $500 in the first 3 months of account opening and 5% cash back on gas station purchases on up to $6,000 spent in the first year.

    This is also a budget-friendly card as it doesn’t charge an annual fee and has a nice 15-month 0% APR offer on purchases and balance transfers. Once the intro period ends, a 17.24% - 25.99% variable APR is applied.

  • Pros:
    • Excellent cash back rate on all purchases. The 1.5% base rate is one of the best on the market since most cards usually earn only 1% on all purchases.
    • Generous intro bonus with a low spending requirement. After spending only $500 in the first 3 months, you’ll get a sweet $200 bonus.
    • No annual fee. Earn rewards without worrying about offsetting an annual cost.
    • 0% intro APR offer. Don’t worry about paying interest on purchases and balance transfers during the first 15 months.
  • Cons:
    • Additional fees. This card has a few annoying fees you should be aware of. These include a foreign transaction fee (3%), a balance transfer fee (3% for transfers made within the first 60 days and 5% after), and late and returned payment fees of up to $40.
  • Benefits:
    • Zero Liability Protection;
    • $200 intro bonus;
    • 5 percent Cash Back on all travel purchased via the Chase Ultimate Rewards portal;
    • 3 percent back on dining;
    • 3 percent back at drugstores;
    • 1.5 percent Cash Back on general purchases;
    • Auto Rental Collision Damage Waiver;
    • Trip Cancellation/Interruption Insurance;
    • Travel and Emergency Assistance Services;
    • 24/7 Fraud Protection;
    • Redeem for Cash Back;
    • Gift cards.
Card detail

Chase Sapphire Preferred® best for Travel, Restaurants, Daily use

Chase Sapphire Preferred®
Annual fee:
$95 annually
Regular APR:
18.24% - 25.24% Variable
Our Rating:
4.4
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • $50 Earn up to $50 in statement credits each account anniversary year for hotel stays purchased through Chase Ultimate Rewards®.
    • 5x Points on travel purchased through Chase Ultimate Rewards®, excluding hotel purchases that qualify for the $50 Anniversary Hotel Credit.
    • 3x Points on dining, including eligible delivery services, takeout and dining out.
    • 3x Points on online grocery purchases (excluding Target, Walmart and wholesale clubs).
    • 3x Points on select streaming services.
    • 2x Points on other travel purchases.
    • 1x Point per dollar spent on all other purchases.
  • Intro Offer:
    • 60,000x Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when redeemed through Chase Ultimate Rewards®.
  • Balance Transfer APR:
    18.24% - 25.24% Variable
  • Issuer name:
    Chase
  • Details:

    For a relatively low fee of $95, the Chase Sapphire Preferred® offers cardholders a generous rewards program and some practical travel benefits. Starting with the generous 60,000-points welcome bonus which could be potentially worth $750 if redeemed for travel through Chase Ultimate Rewards and following with rewards in several bonus categories. You’ll earn 5x points on travel purchased through Chase Ultimate Rewards, 3x points on dining (including delivery and take-out), online grocery purchases (excluding Target, Walmart, and wholesale clubs), and on select streaming services. Other travel purchases earn 2x points, and everything else is 1x point per dollar.

    On top of all this, on each account anniversary, you’ll get two sweet offers - bonus points equivalent to 10% of the previous year's total purchases and up to $50 for hotel stays purchased through Chase Ultimate Rewards. Redemption options are flexible, and your points are worth 25% more when redeemed for travel or as a statement credit towards existing purchases in select categories (Pay Yourself Back option).

    The other benefits that this card offers will make your trips easier and safer. These include trip cancellation/interruption insurance, baggage, and trip delay insurance, travel emergency assistance service, and more. The card’s APR is 18.24% - 25.24%.

  • Pros:
    • Generous sign-up bonus. Earn 60,000 bonus points by spending $4,000 in the first 3 months. These could be worth up to $750 if redeemed through Chase Ultimate Rewards.
    • Several bonus categories. 5x points on travel purchased through Chase, 3x points on dining (including delivery and take-out), online grocery purchases (excluding Target, Walmart, and wholesale clubs), and on select streaming services. Other travel purchases earn 2x points, and everything else is 1x point.
    • Flexible redemption options. You can redeem for travel directly with partners or through Chase Ultimate Rewards, and you can also get a statement credit or gift cards.
  • Cons:
    • Annual fee. You’ll have to pay $95 annually for this card.
    • Complicated rewards program. You would need to spend some time comparing all the options and get the most value for your points which is typical for travel cards.
  • Benefits:
    • 60,000 Bonus Points;
    • $50 in statement credits;
    • 5x points on travel;
    • 3x points on dining;
    • 3x points on online grocery purchases;
    • 3x points on select streaming services;
    • 2x points on other travel purchases;
    • 25% more redemption value;
    • 1:1 Point Transfer;
    • Trip Cancellation/Interruption Insurance;
    • Auto Rental Collision Damage Waiver;
    • Baggage Delay Insurance;
    • Travel and Emergency Assistance Services.
Card detail

American Express Blue Cash Preferred best for Gas, Groceries, Streaming services, Daily use

Blue Cash Preferred® American Express
Annual fee:
$0 intro annual fee for the first year
$95 for the rest years
Regular APR:
17.74% - 28.74% Variable
Our Rating:
5
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 6% Cash Back at U.S. Supermarkets on up to $6,000 per year in purchases (then 1%).
    • 6% Cash Back on streaming (select U.S. streaming subscriptions).
    • 3% Cash Back on transit. Transit includes taxis, rideshare, parking, tolls, trains, buses, and more.
    • 3% Cash Back at U.S. Gas Stations.
    • 1% Cash Back on other purchases.
  • Intro Offer:
    • $250 Back after you spend $3,000 in purchases on the Card within the first 6 months of Card Membership. You will receive the $250 back in the form of a statement credit.
  • Purchase Intro APR:
    0% Introductory APR for the first 12 months from the date of account opening
  • Balance Transfer APR:
    17.74% - 28.74% Variable
  • Issuer name:
    American Express®
  • Details:

    The Blue Cash Preferred® from American Express® is the card for everyday spending with exceptional rewards rates in popular bonus categories. Cardholders will get 6% back at U.S. supermarkets on up to $6,000 spent annually, plus 6% back on select U.S. streaming services and 3% back at U.S. gas stations and eligible transit. All other purchases earn 1% cash back. There’s also a hefty welcome bonus of up to $400 once you spend $3,000 within the first 6 months of card membership.

    In the first 12 months, you can take advantage of two intro offers – 0% APR on purchases (17.74% - 28.74% thereafter) and $0 Buy Now, Pay Later Plan It fees on plans created during the intro period and up to 1.33% after that. The annual fee is $95, but it's waived for the first year.

    Other features are the Equinox+ credit (up to $120 back annually), car rental loss and damage insurance, purchase and return protection, and Amex Send & Split.

  • Pros:
    • Outstanding rewards program. You’ll get 6% back at U.S. supermarkets on up to $6,000 spent annually, plus 6% back on select U.S. streaming services and 3% back at U.S. gas stations and eligible transit, plus a up to $400 welcome bonus if you spend $3,000 in the first 6 months.
    • Great intro offers. 0% APR on purchases (17.74% - 28.74% thereafter), and $0 Buy Now, Pay Later Plan It fees on plans created during the intro period (regular fee is up to 1.33%).
  • Cons:
    • Annual fee. The $95 annual fee is actually not that high compared to all the value this card has to offer.
    • Capped grocery rewards. Purchases at U.S. supermarkets will only earn 6% up to $6,000 spent per year and 1% afterward.
  • Benefits:
    • Earn $250 Back (in the form of a statement credit);
    • 6% Cash Back at U.S. Supermarkets on up to $6,000 per year in purchases (then 1%);
    • 6% Cash Back on streaming subscriptions;
    • 3% Cash Back on transit;
    • 3% Cash Back at U.S. Gas Stations;
    • 1% Cash Back on other purchases;
    • Extended warranty;
    • Fraud Protection;
    • Return Protection;
    • Car Rental Loss and Damage Insurance;
    • Global Assist® Hotline;
    • Pay It Plan It®;
    • American Express Experiences;
    • Terms Apply.
Card detail

Citi Double Cash best for Cash Back, No Annual Fee, Daily use

Double Cash Citi
Annual fee:
$0
Regular APR:
17.74% - 27.74% Variable
Our Rating:
4.55
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 2% Cash Back on every purchase with unlimited 1% Cash Back when you buy, plus an additional 1% as you pay for purchases.
  • Intro Offer:
    • $200 Cash Back after spending $1,500 on purchases in the first 6 months of account opening.
  • Balance Transfer APR:
    17.74% - 27.74% Variable
  • Issuer name:
    Citi
  • Details:

    If your spending is all over the place and you’re looking for a simple card that earns generous rewards on every purchase, it doesn’t get better than the Citi Double Cash credit card. You’ll earn 1% when you make a purchase and 1% when you pay for it. That’s it, no limits, no categories, or caps restrictions.

    New cardholders can take advantage of a 0% APR intro offer on balance transfers valid during the first 18 months. A variable APR of 17.74% - 27.74% will be applied once the offer ends. There’s also an intro fee of 3% on each transfer completed during the first 4 months, and after that, it's 5% (a minimum of $5 in both cases).

    Although this card lacks a one-time offer, it makes up for it with the excellent cash back potential and the fact that there is no annual fee.

  • Pros:
    • Exceptional flat-rate rewards. The card offers an unmatched 2% cash back rate on all purchases.
    • Intro APR offer. There’s a 0% APR intro offer on balance transfers during the first 18 months (17.74% - 27.74% thereafter).
    • No annual fee. With this card, you won't have to worry about an annual fee eating out your rewards.
  • Cons:
    • Losing your 1% Cash-Back Is Pretty Easy
    • Foreign transaction fee
    • Balance Transfer Fee
  • Benefits:
    • Citi Entertainment;
    • 2% Cash Back on every purchase;
    • Fraud Protection;
    • The Lost Wallet Service;
    • $0 Liability for Unauthorized Charges.
Card detail

Best credit cards for Good Credit Score

The average FICO score in the US rose in 2021 to 714 which means many Americans can qualify for credit cards for good credit. Although you might not qualify for the most premium credit cards, you can still expect solid cash back rewards and some decent features.

Let’s go through some of the best credit cards for a good credit score.

Short Review of Best Credit Cards for Good Credit Score

NameBest forRewards RateAPRApply
Capital One VentureOne Rewards Credit Card
4.72
Rewards, No Annual Fee, Daily use
  • 5x Miles per dollar on hotels and rental cars booked through Capital One Travel.
  • 1.25x Miles per dollar on all purchases.
  • 17.99% - 27.99% VariableApply now
    On Capital One‘s site
    Capital One Venture Rewards Credit Card
    3.52
    Travel, Daily use
  • 5x Miles per dollar on hotels and rental cars booked through Capital One Travel.
  • 2x Miles on all purchases.
  • 18.99% - 26.99% VariableApply now
    On Capital One‘s site
    Capital One Walmart Rewards® Mastercard®
    4.12
    Walmart purchases
  • 5% Cash Back at Walmart.com, including pickup and delivery.
  • 2% Cash Back in Walmart stores, at restaurants and on travel.
  • 1% Everywhere else Mastercard® is accepted.
  • 17.99% - 27.74% VariableApply now
    On Capital One‘s site
    Capital One Quicksilver Cash Rewards Credit Card
    4.58
    Cash Back, No Annual Fee, Daily use
  • 1.5% Cash Back on every purchase.
  • 17.99% - 27.99% VariableApply now
    On Capital One‘s site
    Capital One QuicksilverOne Cash Rewards Credit Card
    3.64
    Fair credit
  • 1.5% Cash Back on every purchase.
  • 28.49% VariableApply now
    On Capital One‘s site
    Upgrade Cash Rewards Visa®
    4.35
    Good credit score
  • 1.5% Cash Back on payments.
  • 14.99% - 29.99% RegularApply now
    On Upgrade‘s website
    Upgrade Triple Cash Rewards Visa®
    3.53
  • 3% Cash Back on Home, Auto and Health categories.
  • 1% Cash Back on everything else.
  • 14.99% - 29.99% RegularApply now
    On Upgrade‘s website
    WebBank Petal® 2 “Cash Back, No Fees” Visa®
    3.8
    Beginner, No history
  • 1% - 1.5%:
  • Cash Back after making 12 on-time monthly payments.
  • 2% - 10%:
  • Cash Back from select merchants.
  • 15.99% - 29.99% VariableApply now
    On WebBank‘s site
    Celtic Bank Deserve EDU
    3.5
    Cash Back, Without SSN, Student
  • 1% Cash Back on all purchases with your Deserve EDU Mastercard. Once approved, you'll automatically start earning Cash Back on all purchases.
  • 22.49% VariableApply now
    On Celtic Bank‘s site
    WebBank Petal® 1 "No Annual Fee" Visa®
    4.34
    For bad credit
  • 2% - 10%:
  • Cash Back at select merchants.
  • 22.99% - 32.49% VariableApply now
    On WebBank‘s site
    Sutton Bank Upgrade Bitcoin Rewards
    4.2
  • 1.5% Cash Back in bitcoin when you make payments.
  • 14.99% - 29.99% RegularApply now
    On Sutton Bank‘s site
    Celtic Bank The Owner’s Rewards Card by M1
    3.91
  • 10% You’ll get up to 10% Cash Back with select brands you hold in an eligible portfolio.
  • 1.5% Cash Back on everything else.
  • 17.99% - 27.99% VariableApply now
    On Celtic Bank‘s site
    Capital One Spark Miles for Business
    4.26
    Walmart purchases
  • 5x Miles on hotels and rental cars booked through Capital One Travel.
  • 2x Miles on every purchase for your business with no blackouts or seat restrictions and no minimum to redeem.
  • 23.99% VariableApply now
    On Capital One‘s site
    Cross River Bank Divvy
    4.04
  • 2x - 7x:
  • Points on restaurants.
  • 2x - 5x:
  • Points on hotels.
  • 1.5x - 2x:
  • Points on recurring software subscriptions.
  • 1x - 1.5x:
  • Points on everything else.
  • NoneApply now
    On Cross River Bank‘s site
    Blue Cash Everyday® Card from American Express
    4.24
    Cash Back, Gas, 0 APR, No Annual Fee, Families, Shopping, Groceries
  • 3% Cash Back on groceries 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 in purchases (then 1%).
  • 2% Cash Back on gas at U.S. gas stations on up to $6,000 per year in purchases (then 1%).
  • 1% Cash Back on other purchases. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
  • 17.74% - 28.74% VariableLearn more
    Chase Freedom Unlimited®
    5
    Cash Back, 0 APR, No Annual Fee, Daily use
  • 5% Cash Back on travel purchased through Chase Ultimate Rewards.
  • 3% Cash back on dining at restaurants, including takeout and eligible delivery services.
  • 3% Cash Back on drugstore purchases.
  • 1.5% Cash Back on all other purchases.
  • 17.24% - 25.99% VariableLearn more
    Chase Sapphire Preferred®
    4.4
    Travel, Restaurants, Daily use
  • $50 Earn up to $50 in statement credits each account anniversary year for hotel stays purchased through Chase Ultimate Rewards®.
  • 5x Points on travel purchased through Chase Ultimate Rewards®, excluding hotel purchases that qualify for the $50 Anniversary Hotel Credit.
  • 3x Points on dining, including eligible delivery services, takeout and dining out.
  • 3x Points on online grocery purchases (excluding Target, Walmart and wholesale clubs).
  • 3x Points on select streaming services.
  • 2x Points on other travel purchases.
  • 1x Point per dollar spent on all other purchases.
  • 18.24% - 25.24% VariableLearn more
    American Express Blue Cash Preferred
    5
    Gas, Groceries, Streaming services, Daily use
  • 6% Cash Back at U.S. Supermarkets on up to $6,000 per year in purchases (then 1%).
  • 6% Cash Back on streaming (select U.S. streaming subscriptions).
  • 3% Cash Back on transit. Transit includes taxis, rideshare, parking, tolls, trains, buses, and more.
  • 3% Cash Back at U.S. Gas Stations.
  • 1% Cash Back on other purchases.
  • 17.74% - 28.74% VariableLearn more
    Citi Double Cash
    4.55
    Cash Back, No Annual Fee, Daily use
  • 2% Cash Back on every purchase with unlimited 1% Cash Back when you buy, plus an additional 1% as you pay for purchases.
  • 17.74% - 27.74% VariableLearn more

    Who should apply

    Upgrade Cash Rewards Visa®

    We’d recommend this card to individuals committed to improving their credit but usually have a hard time making timely payments. This card’s fixed payments and deadlines will give you an incentive to pay off debt on time.

    Read more about Upgrade Cash Rewards Visa®

    WebBank Petal® 2 “Cash Back, No Fees” Visa®

    The Petal® 2 “Cash Back, No Fees” Visa® is worth considering by those with no credit score and who are looking for a card with no fees but solid rewards on all purchases.

    Read more about WebBank Petal® 2 “Cash Back, No Fees” Visa®

    Blue Cash Everyday® Card from American Express

    This card is a solid no-annual-fee choice for anyone who spends moderately on groceries and gas. By maxing out the $6,000 spending threshold, you’ll get $180 cash back, which is already a nice figure without even considering rewards on other purchases.

    Read more about Blue Cash Everyday® Card from American Express

    Chase Freedom Unlimited®

    People who want a laidback no-annual-fee card with a reasonable rewards rate on every purchase should consider the Chase Freedom Unlimited®. It’s also worth considering by those looking for a long introductory APR offer or an easily earned welcome bonus.

    Read more about Chase Freedom Unlimited®

    Chase Sapphire Preferred®

    This is a good credit card for people who travel several times a year and are not afraid of reward system complexities.

    Read more about Chase Sapphire Preferred®

    American Express Blue Cash Preferred

    Those who spend heavily on groceries, streaming services, gas, or all three will get a great value out of this card. For example, families for which $6,000 per year on groceries is easily doable can earn $360 by maxing out the spending limit. That’s more than enough to cover the annual fee.

    Read more about American Express Blue Cash Preferred

    Citi Double Cash

    The Citi Double Cash is an excellent choice for anyone looking for a simple credit card that earns cash back every time you pay with it.

    Read more about Citi Double Cash

    What is a good credit score?

    A credit score is a numerical rating that ranges from 300 to 850 and is an estimate of an individual’s likelihood to repay borrowed money. The range for a good credit score might differ among different credit bureaus, with the two most popular credit score models being the FICO credit-score model and the VantageScore model. According to the FICO model, a good credit score is 670 to 739, while according to the VantageScore model, it's 661 to 780.

    Why is good credit important?

    Having a good credit score enables you to get better financial products, including credit cards, loans, mortgages, and others. A good credit score indicates that you're in a solid financial standing and you have been responsible with payments in the past. This will prove to creditors that you're a lower-risk borrower, and they'll be more willing to offer you more favorable rates and terms. You’ll also be eligible for some of the best credit cards on the market that come with high rewards rates and great benefits and features.

    What determines a good credit score?

    Here are some critical factors that affect your credit score:

    • Timely payments
    • Credit utilization ratio
    • Credit history length
    • Number of recent inquiries
    • Credit mix

    FICO Score Ranges

    FICO has a base Score range that goes from 300 to 850, as well as industry-specific Scores with a 250-900 range. The middle categories are the same in the base and the industry-specific ranges, so a good credit score in both is 670 to 739. The base FICO Score Ranges are the following:

    Poor 300 - 579
    Fair 580 - 669
    Good 670 - 739
    Very Good 740 - 799
    Exceptional 800-850

    According to the Experian, 67% of Americans have a Good FICO Score or better.

    How your credit score is calculated

    There are 5 factors that affect your FICO credit score, and percentages are used to indicate the importance of each one:

    Payment history: 35%

    The most important thing is whether you’ve made timely payments on all your credit accounts. Late payments stay on your credit report for years and will hurt your credit score.

    Credit utilization: 30%

    The credit utilization ratio measures the amount of available credit you’re using. Generally, it’s recommended to maintain this ratio below 30%. Of course, the lower it is, the more positively it’ll impact your credit score. You can easily calculate your current utilization ratio with our calculator.

    Credit history length: 15%

    Another thing considered is the average age of the oldest credit account in your file with the three major credit bureaus. The longer your credit history, the better your credit score.

    Number of recent inquiries: 10%

    Once you apply for credit, a hard inquiry is performed on your credit report, which can lower your credit score for some time. That’s why we don’t recommend applying for multiple credit cards and/or loans at the same time because there’ll be an even greater dip in your score.

    Credit mix: 10%

    Having more types of credit is deemed a good thing — for example, a personal loan and a credit card.

    What’s the difference between good credit and fair credit?

    According to FICO, a fair credit score is any score that is in the range of 580 - 669. As it’s below the good credit score range, borrowers with fair credit scores are considered riskier than those with good credit scores.

    This means that individuals with fair credit scores will get less favorable rates and terms. For example, although they can still secure loans, they’ll end up paying much more interest.

    When it comes to credit cards, usually, the best rewards cards require you to have at least a good credit score. Those also come with fewer fees, more premium perks, and other valuable features.

    If you currently have a fair credit score and wish to improve it, we’ll explain how in the section below.

    Who Should Apply For A Credit Card For Good Credit?

    Apart from people with already good credit scores, those with fair credit with a few points shy from good credit might also get approved for a credit card for good credit. If you’re not in the upper of the fair credit range, you might want to wait until your credit score improves slightly. Otherwise, the inquiry on your report and probable rejection can hurt your score even more.

    How to choose the best card for good credit

    There’s no one-size-fits-all in the credit card world. Everyone has different priorities and needs, so you'll have to do some research to find the card that works best for you. Here are some things you should consider when deciding:

    1. What type of rewards do you want?

    Good credit can get you relatively good rewards credit cards, such as those on our list. The types of rewards can vary; there are some with a great flat rate like the Citi Double Cash, while some, like the Blue Cash Everyday® from American Express®, offer rewards in popular bonus categories.

    1. What features are important to you?

    Credit cards come with a variety of different features, like intro APR offers, travel perks, safety benefits, and more. For example, if you could use some interest break, consider a card like the Chase Freedom Unlimited® (15-month 0% APR offer on balance transfers and purchases).

    1. Fees and rates

    Most of the cards on our list charge no annual fee, but there are a few great ones that do. Their rewards and benefits might well be worth it for the annual fee to those who’ll take advantage of them. For instance, by maxing out the spending limit on groceries ($6,000) with the Blue Cash Preferred® from American Express®, you’ll get $360 in cash back, well above the $95 annual fee. Another thing to consider is interest rates, especially if you usually carry a balance. Credit cards' APRs are high and can quickly pile up debt.

    Things to consider before you apply

    In addition to the things mentioned above, you should also consider your current credit score before you apply. If you’re getting close to an excellent credit score, you might as well try out your luck with some credit cards for excellent credit.

    How to get a good credit score

    The path to a good credit score won’t be the same for everyone. It largely depends on where you currently stand with your credit health. In particular, slips with payments in your past affect your score in the longer term, and it might take some time for their impact to diminish. Your credit history length also plays a role. However, with responsible financial practices, you can still get a good credit score in a reasonable amount of time. Here are some things that you can do:

    1. Pay on-time. We can’t stress enough how important this is. The best would be to pay your bills on time and in full every month, but if you can't do that, try to at least make the minimum due payment.
    2. Maintain a good credit utilization ratio. You should keep your use of credit at no more than 30% of your credit limit. If you’re in need of funds, first try to negotiate a larger credit limit with your credit card issuer to make sure your credit utilization ratio doesn’t change much once you borrow more.
    3. Regularly check your credit score. Check your credit report every now and then to see whether you’re making good progress. Also, to make sure there aren’t any errors on it, such as identity theft and mistakes in reporting can easily derail your path to a good credit score.
    4. Get a credit-builder. Many financial institutions have developed products specifically tailored for those trying to build their credit. These include secured credit cards and credit-builder loans.

    How to maintain a good credit score

    Once you’re there, in the good credit score range, it’s crucial that you don't stray off the road. We've come up with some useful tips to follow if you wish to maintain a good credit score:

    Only apply for credit that you actually need – Applying for a lot of credit in a short period of time is not considered a good thing in the credit scoring formulas.

    Set up autopay or reminders – If you’re forgetful, setting up autopay or due date reminders can be very helpful to keep you on track with your payments.

    Don’t close old credit card accounts – Instead of closing a credit card account you’ve paid off, keep it open for some more time. This will help you in two ways – it’ll lower your credit utilization ratio as the credit limit on that card increases your total accessible credit limit, and you'll build a longer credit history.

    How to go from good to excellent credit

    If you’re serious about getting from good to excellent credit, you’ll have to follow the advice we laid down in the previous two sections but also go a step further:

    • Not only pay the minimum due on time but pay each bill every due date in full.
    • Keep your balances below 10% of your total credit limits.
    • Have several different credit accounts, including installment loans and credit cards.
    • If you have a short credit history, become an authorized user of an old credit card with impeccable payment history and a low credit utilization ratio.

    FAQ

    What are some easy credit cards to get with good credit?

    With a good credit score, you'll most likely be eligible for all the credit cards on our list. If you're afraid a particular card is out of your league at the moment, try applying for cards that let you check whether you prequalify without impacting your credit score.

    Which credit cards for good credit have instant approval?

    Unfortunately, no credit card for good credit offers instant approval, but there are some that you can use immediately after getting approved. One is the Blue Cash Preferred® from American Express®, with which you’ll get an instant credit card number that you can use for online payments. Another one is the Chase Sapphire Preferred® which you can add to your digital wallet and use to pay in-person or online.

    What are the best credit cards for a 700 credit score?

    A credit score of 700 is within the good credit score range, and with it, you can apply for all the cards on our list. The best credit card will depend on the individual's financial needs and won’t be the same for everyone.

    What is the typical credit limit granted with a 680 - 700 credit score?

    With a 680 - 700 credit score, you can expect a credit limit of around $4,000. Of course, this will also depend on your income and any other debt you may have.

    How long does it take to get a good credit score?

    Whether you're recovering from financial downturns or are a newbie to the credit world, be aware that a good credit score doesn't happen overnight. Generally, if you’re starting from scratch, you can get there in 12 - 18 months. However, if your credit history has plenty of missed payments, it might even take years for those to be erased.
    Our point is that there’s no specific answer to this question as the amount of time will vary based on each individual’s credit situation.
    Hanna VolkavaHanna Volkava

    Financial and product expert

    hv@myfin.us