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The best credit cards for good credit:
If you have a credit score in the high 600s or low 700s, your credit rating is considered “good” but not necessarily great. Having good credit typically means you can qualify for a credit card and for various loan products, yet you may not receive the very best rates and terms.
However, it’s possible that, with a little work, you could boost your credit score into the very good or excellent range (generally 740+). With a FICO score in that range, you may be able to qualify for the best rewards credit cards on the market today, as well as loans with the most preferable rates and terms.
Many of the best credit cards for good credit offer generous rewards and 0% APR offers with no annual fee. If you have credit in this range and you’re looking for a credit card that could help you build more credit until you get your score where it needs to be, here are the best options to consider.
We’re focused here on the rewards and perks that come with each card. These cards won’t be worth it if you’re paying interest or late fees. When using a credit card, it’s important to pay your balance in full each month, make payments on time, and only spend what you can afford to pay.
Regular APR
14.49% to 24.99% variable
Featured Reward
20,000 bonus points when you spend $1,000 in purchases in the first 3 months from account opening
Intro APR
0% intro APR on purchases and balance transfers for 12 months from account opening
- 20,000 bonus points when you spend $1,000 in purchases in the first 3 months
- Earn 3x points o : Eating out and ordering in; Gas stations, rideshares, and transit; Flights, hotels, homestays, and car rentals; Popular streaming services.
- Earn 1x points on other purchases
- Intro APR on purchases and balance transfers for 12 months from account opening
- Points that do not expire while your account remains open
- No foreign currency conversion fees
Pros
- No annual fee and no foreign transaction fees
- Earns 3x points on a wide variety of purchases
- Comes with a cell phone protection benefit
Cons
- While rewards are called points, they’re effectively cash back
The Wells Fargo Propel American Express® card is easily the best option if you have a credit score in the “good” range, since you’ll earn a generous sign-up bonus and an exceptional rewards rate in a ton of popular categories. This card also comes with no annual fee, yet it offers valuable benefits like cell phone protection, retail protection against damage or theft, extended warranties, lost luggage reimbursement, 24/7 travel and emergency assistance, and car rental loss and damage insurance.
The points you accrue with this card won’t expire as long as your account is open. You can cash in your rewards for myriad options ranging from travel to gift cards to cash back.
Finally, this card comes with a 0% intro APR on purchases and balance transfers for 12 months from account opening, then a 14.49% to 24.99% variable rate. This makes it a good option whether you want to save money on interest for new purchases or consolidate high-interest debt.
What we love: This card offers a generous sign-up bonus plus 3x points in popular categories like dining out, streaming services, and gas. Couple that with the intro APR offer, and it’s easy…
Read More: Best credit cards for good credit — updated for September 2020