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Best Credit Cards for Good Credit

May 2024

FICO officially defines good credit as a score between 670 and 739. If you're looking to take advantage of your good credit, this list of the best credit cards for good credit will help you find the right card.
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A good credit score will improve your chances of getting approved for a wide selection of excellent credit cards. You can expect great rewards, lower fees, terrific sign-up bonuses, affordable APRs, and more. Not sure where to start? Check out this list of the best credit cards for good credit to find the perfect card for your needs.
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FAQs on Credit Cards For Good Credit

What is the relationship between credit cards and your credit score?

Having good credit drastically improves the benefits, rates, and terms you can expect from your credit card. Is your credit in the 670-739 range? When shopping for the best credit cards for good credit, look for the following perks:
  • High rewards earnings. For cardholders with good credit, most credit cards earn at least 2% cashback on various bonus categories.
  • Great sign-up bonuses. With your credit score, you can qualify for a sign-up bonus worth $100 or more.
  • No (or low) annual fee. If you have good credit, you can find a credit card that charges no annual fee! However, if your credit card of choice offers truly stellar rewards, it will probably still charge an annual fee, no matter how good your credit is.
  • Affordable interest rates. Most credit cards charge relatively low APRs to cardholders with good credit -- in the range of 15-20%.
  • Great benefits. If you have good credit, you should find a credit card with great benefits. Such benefits might include accident insurance, airline status, hotel status, and more.

What is good credit?

Any credit score above 700 is typically considered good. A credit score in the "good" range tells credit companies that you're creditworthy. In other words, it signals that you're a trustworthy cardholder who is likely to pay their bills on time.
Unlike excellent credit (in the range from 750 to 850), good credit doesn't require a lengthy credit history or a low credit utilization ratio. As long as you pay your bills on time and stay within your credit limit, you can have good credit.

What factors determine my credit score?

Five factors influence your credit score:
  • Payment history.
  • Credit utilization.
  • Length of your credit history.
  • Credit mix.
  • New credit (i.e., the frequency and recency of hard credit inquiries).
However, the first two factors (your payment history and credit utilization) are the most influential, accounting for 35% and 30% of your credit score, respectively. In other words, if you hope to raise your credit score, the best thing you can do is pay your bills on time and keep your credit utilization under 30% of your credit limit.

How can I build good credit?

Simple! Always pay your bills on time. If you're in debt, pay off your debts before borrowing any more money from your lines of credit. Keep your credit utilization low -- try not to use more than 30% of your credit limit at any given time. Avoid closing any long-term credit accounts, which contribute to the length of your credit history. Also, try to keep a healthy mix of types of credit.

How many credit cards should I have?

Owning several cards is fine, at least in terms of your credit score. The average American holds three to four credit cards. When you apply for a card, your score will probably get dinged a few points. However, having multiple credit cards won't hurt your credit score in the long run, unless you fall behind on your payments. On the contrary, having a large line of credit and little to no debt could help increase your credit score.

Does having two credit cards build credit fast?

Having more cards can increase your total available credit limit. This reduces your debt-to-credit ratio, which can improve your credit score. However, keeping low balances on just a few credit cards can also result in excellent credit scores.

What is the average APR for someone with excellent credit?

A good APR for a credit card is 14% and below. That's roughly the average APR among credit card offers for people with excellent credit.

How good is a credit score of 750?

For a scale that ranges from 300-850, a credit score of 700 or above is generally considered good. A score of 800 or above is considered to be excellent. Most credit scores fall between 600 and 750.

How can I get approved for a credit card?

Having good credit willl improve your chances of getting approved for a credit card, but it's not the only factor that credit companies assess. Credit companies also look at your income and your debt-to-income ratio.
Are you consistently getting rejected when applying for the best credit cards for good credit? Try paying off your debts before applying again. You can also look for a new job with a more generous salary, or take on some side gigs to raise your total monthly income.

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