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Best Credit Cards for Good Credit for June 2023

Review Updated
Natasha Etzel
By: Natasha Etzel

Our Credit Cards Expert

Many or all of the products here are from our partners that compensate us. It’s how we make money. But our editorial integrity ensures our experts’ opinions aren’t influenced by compensation. Terms may apply to offers listed on this page.

There are a lot of benefits to having good credit. You'll have an easier time qualifying for a credit card and have plenty more options to choose from. You can even earn impressive rewards in the process. There are various best credit cards for good credit, including cash back cards, 0% intro APR cards, cards with impressive sign-up bonuses, and cards that offer the ability to earn significant rewards. We've outlined the best credit cards for good credit so you know which cards to consider:

Discover it® Cash Back
Apply Now for Discover it® Cash Back

On Discover's Secure Website.

Great for: Sign-up bonus and cash rewards

Apply Now for Discover it® Cash Back

On Discover's Secure Website.

Rating image, 5.00 out of 5 stars.
5.00 stars
Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor

Credit Score:
Good/Excellent (670-850) Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Apply Now for Discover it® Cash Back

On Discover's Secure Website.

Intro APR

Purchases: 0%, 15 months

Balance Transfers: 0%, 15 months

Regular APR

16.99% - 27.99% Variable APR

Rewards Circle with letter I in it. Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.

1% - 5% Cashback

Annual Fee

$0

Welcome Offer Circle with letter I in it. Intro Offer: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.

Cashback Match

  • Includes a robust rewards program and rich sign-up bonus offer that has unlimited upside. Somehow this card also packs in a great intro APR offer for no annual fee. Read Full Review

    • Rotating bonus categories
    • Sign-up bonus offer
    • Great intro APR offer
    • No annual fee
    • No foreign transaction fee
    • No fixed bonus categories
    • INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
    • Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
    • Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
    • Every $1 you earn in cash back is $1 you can redeem.
    • Get a 0% intro APR for 15 months on purchases. Then 16.99% to 27.99% Standard Variable Purchase APR applies, based on credit worthiness.
    • No annual fee.
    • Click through to Discover’s website to see terms and conditions.

Great for: Travel sign-up bonus

Rating image, 4.50 out of 5 stars.
4.50 stars
Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor

Credit Score:
Good/Excellent (670-850) Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Intro APR Circle with letter I in it. N/A

Purchases: N/A

Balance Transfers: N/A

Regular APR

21.24% - 28.24% Variable

Rewards Circle with letter I in it. Enjoy benefits such as 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining, and 2x on all other travel purchases, and $50 annual Ultimate Rewards Hotel Credit, plus more.

1x - 5x points

Annual Fee Circle with letter I in it. N/A

$95

Welcome Offer Circle with letter I in it. Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.

60,000 bonus points

  • With a big sign-up bonus, the sky’s the limit for this top-rated travel rewards card. Plus, the premium points program for travel and dining make it a no brainer for travel enthusiasts everywhere. Read Full Review

    • Big sign-up bonus
    • Travel rewards
    • Dining rewards
    • Flexible travel points
    • Consumer and travel protections
    • Has an annual fee
    • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
    • Enjoy benefits such as 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining, and 2x on all other travel purchases, and $50 annual Ultimate Rewards Hotel Credit, plus more.
    • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
    • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
    • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
    • Member FDIC
Award Icon 2023 Award Winner

Great for: Unlimited cash rewards

Apply Now for Wells Fargo Active Cash® Card

On Wells Fargo's Secure Website.

Rating image, 5.00 out of 5 stars.
5.00 stars
Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor

Credit Score:
Good/Excellent (670-850) Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Apply Now for Wells Fargo Active Cash® Card

On Wells Fargo's Secure Website.

Intro APR Circle with letter I in it. 0% intro APR, 15 months from account opening on purchases and qualifying balance transfers

Purchases: 0% intro APR, 15 months from account opening

Balance Transfers: 0% intro APR, 15 months from account opening on qualifying balance transfers

Regular APR

19.99%, 24.99%, or 29.99% variable APR

Rewards

2% cash rewards

Annual Fee

$0

Welcome Offer Circle with letter I in it. $200 cash rewards bonus after spending $500 in purchases in the first three months

$200 cash rewards offer

  • A standout cash back card with one of the highest unlimited rewards rates we've come across. The inclusion of a hefty welcome offer and versatile 0% intro APR offer are the cherries on top. Read Full Review

    • Unlimited 2% cash rewards
    • Long 0% intro APR offer
    • Generous cash rewards welcome bonus
    • No annual fee
    • No bonus categories
    • Foreign transaction fees
    • Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months
    • Earn unlimited 2% cash rewards on purchases
    • 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 19.99%, 24.99%, or 29.99% variable APR; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5
    • $0 annual fee
    • No categories to track or remember and cash rewards don't expire as long as your account remains open
    • Enjoy a premium collection of benefits at a selection of the world's most intriguing and prestigious hotel properties with Visa Signature Concierge
    • Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible).
    • Select “Apply Now” to learn more about the product features, terms and conditions
Award Icon 2023 Award Winner

Great for: No annual fee and sign-up bonus

Apply Now for Chase Freedom Flex℠

On Chase's Secure Website.

Rating image, 5.00 out of 5 stars.
5.00 stars
Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor

Credit Score:
Good/Excellent (670-850) Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Apply Now for Chase Freedom Flex℠

On Chase's Secure Website.

Intro APR Circle with letter I in it. 0% Intro APR on Balance Transfers, 15 months

Purchases: 0% Intro APR on Purchases, 15 months

Balance Transfers: 0% Intro APR on Balance Transfers, 15 months

Regular APR

19.74% - 28.49% Variable

Rewards Circle with letter I in it. 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Plus, earn 5% cash back on travel purchased through Chase Ultimate Rewards®, 3% on dining and drugstores, and 1% on all other purchases.

1% - 5% cash back

Annual Fee Circle with letter I in it. N/A

$0

Welcome Offer Circle with letter I in it. Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening!

$200 bonus

  • Deserves to be top of wallet for many cardholders due to some of the highest cash back rates for essentials, a big sign-up bonus, and no annual fee. Read Full Review

    • Competitive cash back bonus
    • Lucrative cash back program
    • Travel rewards
    • Great intro APR
    • No annual fee
    • Foreign transaction fee
    • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
    • 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
    • 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 unlimited 1% cash back on all other purchases.
    • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
    • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.74% - 28.49%.
    • No annual fee - You won't have to pay an annual fee for all the great features that come with your Freedom Flex℠ card
    • Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
Rating image, 4.50 out of 5 stars.
4.50 stars
Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor

Credit Score:
Good/Excellent (670-850) Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Intro APR Circle with letter I in it. 0% intro APR on purchases and balance transfers for 15 months; 19.74%-29.74% variable APR after that; 3% fee on the amounts transferred within the first 15 months

Purchases: 0% intro on purchases for 15 months

Balance Transfers: 0% intro on balance transfers for 15 months

Regular APR

19.74% - 29.74% (Variable)

Rewards

1.5% cash back

Annual Fee

$0

Welcome Offer Circle with letter I in it. $200 cash bonus after you spend $500 on purchases within 3 months from account opening

$200

  • One of the most versatile and flexible cash-back cards we've seen. The long 0% intro APR makes the offer hard to pass up, especially if you're wanting to keep a one-card wallet that packs in a rich rewards program. Read Full Review

    • Competitive sign-up bonus
    • Solid cash back rate on purchases
    • No annual fee
    • Great intro APR
    • No bonus categories
    • Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
    • Earn unlimited 1.5% cash back on every purchase, every day
    • $0 annual fee and no foreign transaction fees
    • Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
    • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
    • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
    • 0% intro APR on purchases and balance transfers for 15 months; 19.74%-29.74% variable APR after that; 3% fee on the amounts transferred within the first 15 months

Great for: Long 0% intro APR offer

Apply Now for Citi Simplicity® Card

On Citi's Secure Website.

Rating image, 4.50 out of 5 stars.
4.50 stars
Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor

Credit Score:
Good/Excellent (670-850) Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Apply Now for Citi Simplicity® Card

On Citi's Secure Website.

Intro APR

Purchases: 0%, 12 months

Balance Transfers: 0%, 21 months

Regular APR

18.99% - 29.74% (Variable)

Rewards

N/A

Annual Fee

$0

Welcome Offer Circle with letter I in it. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening.

Lower intro balance transfer fee

  • With a long 0% intro APR offer, no late fees, no annual fee, and no penalty rate, this card is an unmatched pick. Read Full Review

    • Great intro APR
    • No annual fee
    • No late fees
    • No penalty APR
    • No rewards
    • Foreign transaction fee
    • No Late Fees, No Penalty Rate, and No Annual Fee... Ever
    • 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 18.99% - 29.74%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
    • There is an introductory balance transfer fee of $5 or 3% of the amount of the transfer, whichever is greater, for balance transfers completed within 4 months of account opening.
    • Stay protected with Citi® Quick Lock.
Award Icon 2023 Award Winner

Great for: U.S. supermarkets rewards

Apply Now for Blue Cash Preferred® Card from American Express

On American Express' Secure Website.

Terms apply

Rating image, 5.00 out of 5 stars.
5.00 stars
Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor

Credit Score:
Good/Excellent (670-850) Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Apply Now for Blue Cash Preferred® Card from American Express

On American Express' Secure Website.

Terms apply

Intro APR

Purchases: 0%, 12 months

Balance Transfers: 0%, 12 months

Regular APR

18.99%-29.99% Variable

Rewards Circle with letter I in it. 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). 6% Cash Back on select U.S. streaming subscriptions. 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more). 1% Cash Back on other purchases.

1% - 6% cash back

Annual Fee

$0 intro annual fee for the first year, then $95.

Welcome Offer Circle with letter I in it. Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.

$250

  • The U.S. supermarkets and U.S. gas stations rewards are clear standouts, in addition to a big welcome offer and a nice 0% intro APR offer. Read Full Review

    • Big welcome offer
    • U.S. supermarkets rewards
    • U.S. gas stations rewards
    • Streaming subscription rewards
    • Annual fee
    • Foreign transaction fee
    • Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
    • $0 intro annual fee for the first year, then $95.
    • Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
    • Low intro APR: 0% for 12 months on purchases from the date of account opening, then a variable rate, 18.99% to 29.99%
    • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
    • 6% Cash Back on select U.S. streaming subscriptions.
    • 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
    • 1% Cash Back on other purchases.
    • Get $7 back each month after using your Blue Cash Preferred Card to spend $12.99 or more each month on an eligible subscription to The Disney Bundle, which includes Disney+, Hulu, and ESPN+. Enrollment required.
    • Terms Apply.

Great for: One-card wallet

Rating image, 4.50 out of 5 stars.
4.50 stars
Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor

Credit Score:
Good/Excellent (670-850) Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Intro APR Circle with letter I in it. 0% on purchases and balance transfers for the first 12 billing cycles on purchases billing cycles, and after that 19.99% - 28.99% (Variable)

Purchases: 0%, 12 billing cycles on purchases

Balance Transfers: 0%, 12 billing cycles

Regular APR

19.99% - 28.99% (Variable)

Rewards Circle with letter I in it. 4x points on dining, 2x points on groceries, gas, and streaming services, 1x points on other purchases

1x - 4x points

Annual Fee

$0

Welcome Offer Circle with letter I in it. 20,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening

20,000 points

  • A rare, great pick that offers lucrative rewards (up to 4x points), a big bonus, and a competitive 0% intro APR offer, all somehow with no annual fee.

    • Big sign-up bonus
    • Dining rewards
    • No annual fee
    • 0% intro APR offer
    • Streaming credit
    • Balance transfer fee
    • Intro Offer: Earn 20,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening. That's a $200 value redeemable towards merchandise, gift cards, cash back, travel and more.
    • 4X points on dining, takeout, and restaurant delivery.
    • 2X points on streaming services. Plus, a $15 credit for annual streaming purchases like Netflix, Hulu, Spotify®, Apple Music, Disney+, HBO Max and more!
    • 2X points at grocery stores, grocery delivery, gas stations, and EV charging stations
    • 1X point on all other eligible purchases.
    • 0% Intro APR on purchases and balance transfers for the first 12 billing cycles. After that, a variable APR applies, currently 19.99% - 28.99%.
    • No Annual Fee
    • Points never expire
    • Terms and conditions apply.
Rating image, 4.50 out of 5 stars.
4.50 stars
Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor

Credit Score:
Good/Excellent (670-850) Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Intro APR Circle with letter I in it. 0% intro APR on purchases and balance transfers for 15 months; 19.74% - 29.74% variable APR after that; 3% fee on the amounts transferred within the first 15 months

Purchases: 0% intro on purchases for 15 months

Balance Transfers: 0% intro on balance transfers for 15 months

Regular APR

19.74% - 29.74% (Variable)

Rewards Circle with letter I in it. Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases.

1% - 3% cash back

Annual Fee

$0

Welcome Offer Circle with letter I in it. $200 cash bonus after you spend $1,000 on purchases within the first 3 months from account opening

$200

  • Dining and grocery spending will earn premium rewards, but that's not the only showstopper. The sign-up bonus, no annual fee, and a 0% intro APR offer can add a ton of value. Read Full Review

    • Sign-up bonus
    • Dining rewards
    • Entertainment rewards
    • No annual fee
    • Great intro APR for purchases
    • Balance transfer fee
    • Earn a one-time $200 cash bonus after you spend $1,000 on purchases within the first 3 months from account opening
    • Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases
    • Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
    • Earn 8% cash back on Capital One Entertainment purchases
    • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
    • No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
    • 0% intro APR on purchases and balance transfers for 15 months; 19.74% - 29.74% variable APR after that; 3% fee on the amounts transferred within the first 15 months
    • No foreign transaction fee
    • No annual fee

Overview of the best credit cards for good credit

Discover it® Cash Back

Great for: Cash back match

The Discover it® Cash Back card has no annual fee and earns up to 5% cash back in rotating quarterly categories you activate up to the quarterly maximum. This card offers an impressive dollar-for-dollar match on all cash back earned the first year and includes a 0% intro APR offer on purchase and balance transfers. The go-to variable rate applies after the 0% intro APR expires.

Read the full Discover it® Cash Back review

Chase Sapphire Preferred® Card

Great for: Travel rewards

The Chase Sapphire Preferred® Card is a popular card for travelers and with good reason. An impressive sign-up bonus, the ability to earn 3 points per $1 on dining, 2 points per $1 on travel, and a flexible rewards program make it a valuable card.

Read the full Chase Sapphire Preferred® Card review

Wells Fargo Active Cash® Card

Great for: Travel rewards

The Wells Fargo Active Cash® Card is among the best cash back card we've found due to its easy-to-earn cash rewards sign-bonus, versatile 0% intro APR offer, and unlimited 2% cash rewards.

Read the full Wells Fargo Active Cash® Card review

Chase Freedom Flex℠

Great for: Bonus category cash back

The Chase Freedom Flex℠ is a no annual fee card with a welcome bonus offer and a 15-month 0% intro APR offer for purchases and balance transfers. Cardmembers can earn up to 5% back on activated bonus categories each quarter, up to $1,500 spending each quarter.

Read the full Chase Freedom Flex℠ review

Capital One Quicksilver Cash Rewards Credit Card

Great for: Unlimited cash back

The Capital One Quicksilver Cash Rewards Credit Card gives cardmembers the ability to earn unlimited cash back on purchases, no matter the category. This card also comes with a cash back bonus offer and includes a 15-month 0% intro APR on purchases and balance transfers. Note, there is a 3% balance transfer fee that applies to transfers.

Read the full Capital One Quicksilver Cash Rewards Credit Card review

Citi Simplicity® Card

Great for: 0% intro APR offer and no late payment fee

The Citi Simplicity® Card packs in one of the best 0% intro APR offers we've come across at 21 months for balance transfers. Other standout features are no late payment fee and no penalty APR.

Read the full Citi Simplicity® Card review

Blue Cash Preferred® Card from American Express

Great for: U.S. supermarkets and streaming rewards

The Blue Cash Preferred® Card from American Express is one of the best everyday rewards cards around, offering 6% cash back on up to $6,000 in U.S. supermarkets purchases each year. You'll also earn 6% back on select streaming services, as well as 3% back on transit purchases and at U.S. gas stations. Terms apply.

Read the full Blue Cash Preferred® Card from American Express review

U.S. Bank Altitude® Go Visa Signature® Card

Great for: Bonus rewards

The U.S. Bank Altitude® Go Visa Signature® Card has no annual fee and offers the three essential we covet in a credit card: Robust rewards, a 0% intro APR, and a big sign-up bonus.

Read the full U.S. Bank Altitude® Go Visa Signature® Card review

What is a good credit score?

A good credit score is a FICO® Score between 670 and 739 or a VantageScore between 661 and 780. In both scoring systems, the full score range is 300 to 850.

You likely have good credit if you've used credit for one to two years, always make your debt payments on time, and keep your credit utilization below 30%. You may also be in this range if you've used credit for more than two years with only the occasional issue, such as one missed payment or high credit utilization.

However, keep in mind that not all good credit scores are created equal. Scores of 675 and 730 both fall in the good credit range. But the latter would help you get better terms on a mortgage and would make approval on credit card applications more likely.

Factors that affect your credit score

Several different factors influence your credit score:

  • Payment history: Creditors want to see that you pay your bills on time. If you have late payments or missed payments, this will negatively impact your payment history and, in turn, your credit score. Your payment history makes up 35% of your FICO® Score, so it's important to pay all of your bills on time.
  • Credit utilization: How much available credit you use matters. Your credit utilization ratio, or the ratio of your total credit card balances to your credit card makes up 30% of your credit score. The lower your credit utilization, the better off your credit will be.
  • Credit inquiries: Card issuers tend to become cautious when you have multiple recent hard credit inquiries on your report. They'll wonder why you're trying to get all these new lines of credit. An approval is more likely if it has been at least three to six months since your most recent credit card application.This factor makes up 10% of your score.
  • Age of credit: Your credit age is another important factor and it makes up 15% of your credit score. A variety of factors make up the age of your credit. This includes the average age of your credit accounts, the ages of each individual credit account, the age of your newest credit account, and the length of time since using each credit account. Having older accounts can help raise your credit score.
  • Credit mix: Your credit mix is the diversity of your credit accounts. You can increase your credit score by having a variety of accounts, such as an auto loan, credit cards, and mortgage. This shows lenders that you can manage having different kinds of debts. Credit mix makes up 10% of your FICO® Score.

How to compare credit cards for good credit

When you begin to compare credit cards, you'll want to compare each card's benefits and features. You'll also want to consider your own financial situation and your goals. Here are some things to consider as you look at credit cards for good credit to find the right one for you:

  • Annual fee
  • Bonus offers
  • Minimum spend to earn any bonus offers
  • How rewards are earned
  • Unlimited or limited rewards earning potential
  • APR

Not all of the best credit cards for good credit are for everyone. But if you take the time to research options and consider your own personal spending and goals, you'll likely find a good fit.

How to use your credit card to build credit

Credit cards for good credit can be useful for building credit. By using your cards regularly, paying off debt, keeping credit utilization low, and keeping credit accounts open, you can improve your credit. As you continue to work hard and your credit score rises, you can eventually qualify for other cards like credit cards for excellent credit.

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

Not all of the best credit cards for good credit are the best fit for everyone. You'll want to consider whether you're:

  • Looking for a rewards card
  • Want to take advantage of a bonus offer
  • Need an introductory 0% APR offer
  • If you prefer a card with no annual fee

Making those considerations can help you narrow down card options and make choosing a credit card easier.

The Chase Sapphire Preferred® Card is one of the best cards. The sign-up bonus, rewards, and perks help to make the annual fee worth it if you qualify.

How to raise your credit score from good to excellent

Although there's nothing wrong with good credit, it's important to keep building it. With excellent credit, it's easier to get approved for any credit card you want. You can secure lower interest rates on loans, and depending on where you live, you may even pay less for car insurance.

At this stage of the game, avoiding mistakes is crucial. You can damage your credit much faster than you can improve it. To stay on the right track, you should:

  • Avoid overspending: Once you've reached a good credit score, you'll gain access to larger credit lines. Don't let those big numbers convince you to spend more than usual. If your balances get too high, it can be bad for your credit utilization or put you into debt.
  • Pay everything by the due date: A single missed payment can undo all your hard work. That means a missed payment on anything -- a credit card, a cell phone bill, or an overdue library book. Set up automatic payments or payment alerts so you always know when a bill's due.
  • Watch your credit utilization: One way to do this is by calculating 30% of your total available credit (the credit limits on all your credit cards added together). Then make sure your balances don't exceed that number.
  • Keep credit cards open: A common consumer mistake is closing credit cards for no reason. You'll be losing that card's credit line, so if you're carrying balances on any other cards, your credit utilization will increase. Of course, canceling a credit card that charges a high annual fee isn’t a bad idea. But you can always call the issuer and ask to downgrade your card to one with no annual fee if possible.
  • Don't go on application sprees: While one card application isn't a big deal, at least once per month will keep you from making progress on your credit. You'll have too many hard credit inquiries, and every time you're approved for a card, your average account history will decrease.
  • Guard your credit: It doesn't get much worse than doing everything right, only for an identity thief or an error to ruin your credit. To avoid this, use a free credit monitoring service for notification of changes on your credit file. Don't forget to check your credit reports for errors each year as well.

Ready to get started? Here's how to apply for a credit card (and get approved).

Want the biggest sign-up bonus? Check out The Ascent's guide to the best sign-up bonus credit cards.

Need a personal loan? Check out The Ascent's guide on how to apply for a personal loan.

To recap, here are the best credit cards for good credit

The Picks
Card Rating Great For
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5.00 stars
Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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Great For:

Sign-up bonus and cash rewards

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4.50 stars
Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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= Excellent
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Great For:

Travel sign-up bonus

Award Icon 2023 Award Winner
Rating image, 5.00 out of 5 stars.
5.00 stars
Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor
Great For:

Unlimited cash rewards

Award Icon 2023 Award Winner
Rating image, 5.00 out of 5 stars.
5.00 stars
Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor
Great For:

No annual fee and sign-up bonus

Rating image, 4.50 out of 5 stars.
4.50 stars
Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor
Great For:

Unlimited cash back

Rating image, 4.50 out of 5 stars.
4.50 stars
Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor
Great For:

Long 0% intro APR offer

Award Icon 2023 Award Winner
Rating image, 5.00 out of 5 stars.
5.00 stars
Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor
Great For:

U.S. supermarkets rewards

Rating image, 4.50 out of 5 stars.
4.50 stars
Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor
Great For:

One-card wallet

Rating image, 4.50 out of 5 stars.
4.50 stars
Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor
Great For:

Dining and entertainment

FAQs

  • A good credit score is a FICO® Score between 670 and 739 or a VantageScore between 661 and 780. Both systems have scores ranging from 300 to 850.

  • The best card will vary depending on your needs and situation. If you're okay with paying an annual fee, the Chase Sapphire Preferred® Card is loaded with perks and has a great earning rate.

  • There are a few things that you can do to raise your credit score. Don't let your card balances get too high, keep your credit utilization low, pay your bills on time and in full, and keep your credit accounts open to increase the age of your credit history. Doing all of this can improve your score. Over time, you may find that your score is high enough to qualify for credit cards for excellent credit.

Our Credit Cards Expert