Credit Cards for Good Credit

Credit cards within this credit category typically offer lower APRs, lower fees, and a wide variety of rewards programs. Not sure what your credit score is? Sign up for a Free CreditVana App account today and get access to your free credit score and top matched credit card options specifically for you. Checking your score has no impact to your credit.

 

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Intro (Purchases)

0% 12 months on Purchases

Intro (Transfers)

0% 21 months on Balance Transfers

Annual Fee

$0

Credit Recommended:
Good

on Citi® secure website.

Regular APR

16.74% – 27.49% (Variable)

Cash Advance APR

28.99% (Variable)

Penalty APR

Up to 29.99% (Variable)

  • 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 16.74% – 27.49%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
  • For a limited time earn a $150 Statement Credit after you spend $500 on purchases in the first 3 months of account opening.
  • There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
  • Get free access to your FICO® Score online.
  • With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more
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Credit Line

Earn 1.5% cashback rewards on all of your eligible purchases

Annual Fee

$0

Foreign Trans Fee

$0

Credit Recommended:
Excellent, Good, Fair, Average

on Sutton Bank, Member FDIC secure website.

Regular APR

14.99% – 29.99% APR

Balance Transfer Fee

N/A

Credit Recommended Good/Excellent
0%
  • Earn a $200 bonus on your Upgrade Card after opening a Rewards Checking account and making 3 debit card transactions*
  • Earn 1.5% unlimited cash back on card purchases every time you make a payment
  • Combine the flexibility of a credit card with the predictability of a personal loan
  • $0 annual fee, $0 activation fees, $0 foreign transaction fees
  • No touch payments with contactless technology built in
  • See if you qualify in minutes without hurting your credit score
  • Great for large purchases with predictable payments you can budget for
  • Mobile app to access your account anytime, anywhere
  • Enjoy peace of mind with $0 Fraud liability

*To qualify for the welcome bonus, you must open and fund a new Rewards Checking account and make 3 qualifying debit card transactions from your Rewards Checking account within 60 days of the date the Upgrade Card account is opened. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade VISA® Debit Card Agreement and Disclosures for more information. Your Upgrade Card and Rewards Checking account must be open and in good standing to receive a bonus. If you have previously opened a Rewards Checking account or do not open one as part of this application process, you are not eligible for this welcome bonus offer. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking account as a one-time payout credit within 60 days after the 3rd qualifying card purchase.

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Editor's Rating: 4.7
4.7/5

Intro (Purchases)

0% Intro APR on Purchases 15 months

Intro Rewards Bonus

Up to $300 cash back

Foreign Trans Fee

$0

Credit Recommended (660-850): Good/Excellent

on Chase secure website.

Intro (Transfers)

0% Intro APR on Balance Transfers 15 months

Regular APR

18.74% – 27.49% Variable

Credit Recommended Good/Excellent
0%
  • INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) – worth up to $300 cash back!
  • Enjoy 6.5% 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; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
  • After your first year or $20,000 spent, enjoy 5% cash back on Chase travel purchased through Ultimate Rewards®, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% 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!
  • Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.74% – 27.49%.
  • No annual fee – You won’t have to pay an annual fee for all the great features that come with your Freedom Unlimited® 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.
  •  
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Rewards Rate

Earn 1.5% cashback rewards on all of your eligible purchases

Card Brand

Mastercard®

Credit Recommended

Poor to Good

Credit Recommended:
Poor to Good

on issuer’s secure website.

Regular APR

35% (Variable)

Annual Fee

$175 the first year; $49 thereafter

  • Earn 1.5% cashback rewards on all of your eligible purchases!
  • Reports to all three major credit bureaus
  • Nationwide acceptance – use anywhere Mastercard is accepted in app, in store, and online
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Intro (Purchases)

0% for 12 Months

Annual Fee

$0

Regular APR

18.74% to 28.74% variable purchase APR based on creditworthiness. Rates as of 12/1/2022

Credit Recommended:
Good, Excellent (660-850)

on issuer’s secure website.

Balance Transfer

18.74% to 28.74% variable purchase APR based on creditworthiness. Rates as of 12/1/2022

Cash Advance APR

29.99%

Credit Recommended Good/Excellent
0%
  • The only U.S. co-branded card that offers unlimited 4x points on all purchases and no annual fee.*
  • Get 15,000 bonus points after you spend $1,000 in your first three months.*
  • Earn unlimited 7x total points with GM.*
  • Redeem towards a new GM vehicle purchase or lease with no limit. For example, spending $12K per year on everyday purchases will earn you 48,000 pts/$480 toward future redemption with GM
  • 0% intro APR on purchases for the first 12 months, then a variable APR of 18.74% to 28.74%.*
  • No annual fee, no foreign transaction fees, or cash advance fees. Late fees may apply.*
  • See if you’re approved with no impact to your Credit Score. Accepting a card after your application is approved will result in a hard inquiry, which may impact your credit score.
  • Terms & Limitations Apply. Click here to see *Rates and Terms and Benefit Terms. Subject to credit approval.
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Intro (Purchases)

0% 15 months Purchases and Balance Transfers

Intro (Transfers)

0% 15 months Purchases and Balance Transfers

Regular APR

17.74% – 27.74% (Variable)

Credit Recommended (660-850): Good/Excellent

on issuer’s secure website.

Annual Fee

$0

Cash Advance APR

28.99% (Variable)

Credit Recommended Good/Excellent
0%
  • Earn 1.5% cashback rewards on all of your eligible purchases!
  • Reports to all three major credit bureaus
  • Nationwide acceptance – use anywhere Mastercard is accepted in app, in store, and online
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Regular APR

26.99 – 29.99 (Variable)

Cash Advance APR

29.99% (Variable)

Annual Fee

29.99% (Variable)

Credit Recommended:
Good/Excellent

on Chase Bank secure website.

Reports to Consumer Reporting Agencies

Yes

Card Brand

Visa®

Late Payment Fee

Up to $35

  • See if you qualify instantly without harming your credit score.
  • Get a higher credit line if you’re in good standing after making your first 6 payments on time.
  • Free, online credit score access for cardholders.
  • Instant decision on your application.
  • No interest on purchases when you pay in full and on time each month.
  • No security deposit required – get started today!
  • Enjoy coverage from Visa®.
  • Access your account anytime, anywhere with our mobile app.
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Rewards Rate

1% unlimited cash back

Intro Purchase APR

0% Intro APR on Purchases for 6 months

Annual Fee

$0

Credit Recommended:
Fair, Good

on issuer’s secure website.

Foreign Trans Fee

$0

Regular APR

18.99% – 28.99%

Late Payment Fee

Up to $39

  • Earn 1% unlimited cash back on all purchases, with no caps or expirations
  • 0% APR on purchases for the first 6 months, after that 18.99% – 28.99% based on your creditworthiness
  • No impact to your credit score if we’re unable to approve you
  • Proactive credit line increases may occur after 6 months
  • Redeem your rewards as a statement credit or finance purchase with our Pay Me Back option
  • Secure Mobile Wallet and contactless tap-to-pay options
  • $0 Visa® Fraud Liability
  • $0 Annual Fee, no Foreign Transaction Fees, and no Overlimit Fees
  • Free credit score access through Best Egg Financial Health
  • Use your card your way with the frictionless, uber-clickable Mobile App
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Annual Fee

$0

Balance Transfer Fee

$0

Foreign Trans Fee

$0

Credit Recommended:
(620+) Excellent, Good, Fair, Average

on Sutton Bank, Member FDIC secure website.

Regular APR

14.99% – 29.99% APR

Late Payment Fee

$0

Credit Recommended Good/Excellent
0%
  • Earn a $200 bonus on your Upgrade Card after opening a Rewards Checking account and making 3 debit card transactions*
  • Unlimited cash back on payments: 3% on Home, Auto, and Health categories and 1% on everything else after you make payments on your purchases
  • $0 annual fee, $0 activation fees, $0 foreign transaction fees
  • Combine the flexibility of a credit card with the predictability of a personal loan
  • No touch payments with contactless technology built in
  • See if you qualify in minutes without hurting your credit score
  • Great for large purchases with predictable payments you can budget for
  • Mobile app to access your account anytime, anywhere
  • Enjoy peace of mind with $0 Fraud liability
  •  

*To qualify for the welcome bonus, you must open and fund a new Rewards Checking account and make 3 qualifying debit card transactions from your Rewards Checking account within 60 days of the date the Upgrade Card account is opened. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade VISA® Debit Card Agreement and Disclosures for more information. Your Upgrade Card and Rewards Checking account must be open and in good standing to receive a bonus. If you have previously opened a Rewards Checking account or do not open one as part of this application process, you are not eligible for this welcome bonus offer. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking account as a one-time payout credit within 60 days after the 3rd qualifying card purchase.

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Editor's Rating: 4.8
4.8/5

Intro (Purchases)

0% Intro APR on Purchases 18 months

Intro (Transfers)

0% Intro APR on Balance Transfers 18 months

Annual Fee

$0

Credit Recommended:
Good/Excellent

on Chase secure website.

Intro Rewards Bonus

N/A

Regular APR

18.74% – 27.49% Variable

Product Type

Consumer Card

  • Start off strong with 0% Intro APR for 18 months from account opening on purchases and balance transfers. A variable APR of 18.74% – 27.49% on balance transfers and purchases after the introductory period ends.
  • Lower your interest rate by 2% each year. Automatically be considered for an APR reduction when you pay on time, and spend at least $1000 on your card by your next account anniversary.
  • Raise your credit limit. Get an automatic, one-time review for a higher credit limit when you pay on time, and spend $500 in your first six months.
  • All for no annual fee – You won’t have to pay an annual fee for all the great features that come with your Slate Edge℠ 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
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Intro (Transfers)

0% Intro APR Period 18 months on Balance Transfers

Rewards Rate 1

Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.

Credit Recommended

Excellent, Good

Credit Recommended:
Good/Excellent

on issuer’s secure website.

Regular APR

17.74% – 27.74% (Variable)

Cash Advance APR

28.99% (Variable)

Foreign Trans Fee

3%

  • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • To earn cash back, pay at least the minimum due on time.
  • Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 17.74% – 27.74%, based on your creditworthiness.
  • Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
  • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
  • There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
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Regular APR

24.99% – 29.99% (Variable)

Annual Fee

See Terms

Credit Recommended

Fair/Poor/Bad/Limited

Credit Recommended:
Good/Excellent

on issuer’s secure website.

Intro Rate

N/A

Intro Period

N/A

Balance Transfer

N/A

  • Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
  • See if you’re Pre-Qualified with no impact to your credit score
  • All credit types welcome to apply
  • Free access to your Vantage 3.0 score from Experian* (When you sign up for e-statements)
  • Initial Credit Limit of $300 – $1,000* (subject to available credit)
  • Monthly reporting to the three major credit bureaus
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere Mastercard® is accepted
  • Checking Account Required
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Annual Fee

$0 – $99

Regular APR

24.9%

Credit Recommended

Fair/Good

Credit Recommended:
Fair/Good

On the Indigo® Mastercard® secure website

  • Easy pre-qualification process with fast response
  • Less than perfect credit is okay
  • Online servicing available 24/7 at no additional cost
  • Unsecured credit card, no security deposit required
  • Account history is reported to the three major credit bureaus in the U.S.
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Annual Fee

$0

Foreign Trans Fee

$0

Regular APR

18.74% – 27.49% Variable

Credit Recommended:
Excellent/Good

on the issuer’s secure website.

Intro (Purchases)

N/A

Intro (Transfers)

N/A

Credit Recommended Good/Excellent
0%
  • Get a free year of Instacart+ and a $100 Instacart credit automatically upon approval. Membership auto-renews. Terms apply.
  • Earn 5% cash back on Instacart app and Instacart.com purchases
  • Earn 5% cash back on travel purchased through the Chase Travel Center, including flights, hotels and more
  • Earn 2% cash back at restaurants, gas stations and on select streaming services
  • Earn 1% cash back on all other purchases
  • No annual card fee
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Intro (Purchases)

0% Intro APR Period 15 months on Purchases and Balance Transfers

Intro (Transfers)

0% Intro APR Period 15 months on Purchases and Balance Transfers

Annual Fee

$0

Credit Recommended:
Good/Excellent

on issuer’s secure website.

Regular APR

17.24% – 27.24% (Variable)

Cash Advance APR

28.99% (Variable)

Credit Recommended Good/Excellent
0%
  • Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com
  • 0% Intro APR on balance transfers for 15 months from date of first transfer and on purchases from date of account opening. After that, the variable APR will be 17.24% – 27.24%, based on your creditworthiness. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
  • Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases.
  • The Citi Rewards+® Card – the only credit card that automatically rounds up to the nearest 10 points on every purchase – with no cap.
  • No Annual Fee
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Rewards Rate 1

Up to a 3% Cash Back Reward

Fraud Coverage

You’re covered by $0 Fraud Liability if your card is ever lost or stolen

Regular APR

29.99% OR 36% (V)

Credit Recommended:
Fair

on the Aspire secure website.

Annual Fee

As low as $85

Credit Line

Up to $1,000 credit limit subject to credit approval

Card Brand

Mastercard®

  • With the Aspire® Mastercard® Credit Card, you earn a 3% cash back reward on Gas, Groceries and Utility Payments
  • Earn a 1% cash back reward on all other purchases
  • Up to $1,000 credit limit subject to credit approval
  • Pre-qualify without affecting your credit score
  • No deposits or program fee
  • Free access to your Vantage 3.0 score from Equifax†

† Your credit score will be available in your online account 60 days after your account is opened. (Registration required) The free VantageScore 3.0 credit score provided by Equifax is for educational purposes only and may not be used by The Bank of Missouri (the issuer of this card) or other creditors to make credit decisions.

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Annual Fee

$35 – $99*

Regular APR

24.9%

Credit Recommended

Fair/Good

Credit Recommended:
Fair/Good

On the Milestone Gold Mastercard® secure website

Annual Fee

$0

Balance Transfer Fee

$0 at this Transfer APR

Foreign Trans Fee

None

  • Prequalify for a card today and it will not impact your credit score
  • Less than perfect credit is okay
  • Access your account online or from your mobile device 24/7
  • Account history is reported to the three major credit bureaus in the U.S.
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Intro (Purchases)

0% Intro APR on Purchases 15 months

Rewards Rate 1

5% cash back offer

Intro Rewards Bonus

$200 bonus

Credit Recommended:
Good

on issuer’s secure website.

Annual Fee

$0

Intro (Transfers)

0% Intro APR on Balance Transfers 15 months

Regular APR

18.74% – 27.49% Variable

  • 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 18.74% – 27.49%.
  • 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.
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Intro Rewards Bonus

Earn 50,000 points.

Regular APR

19.74% – 26.74% Variable

Annual Fee

$99

Credit Recommended:
Good/Excellent

on issuer’s secure website.

Foreign Trans Fee

$0

Rewards Rate 1

Earn 3X points on Southwest® purchases. Earn 2X points on Rapid Rewards® hotel and car partners. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

Credit Recommended Good/Excellent
0%
  • Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months.
  • 6,000 anniversary points each year.
  • Earn 3X points on Southwest® purchases.
  • Earn 2X points on local transit and commuting, including rideshare.
  • Earn 2X points on internet, cable, and phone services, and select streaming.
  • 2 EarlyBird Check-In® each year.
  • All points earned count towards Companion Pass®.
  • No foreign transaction fees.
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Regular APR

19.74% – 26.74% Variable

Intro Rewards Bonus

Earn 50,000 points.

Annual Fee

$149

Credit Recommended (660-850): Good/Excellent

on Chase secure website.

Foreign Trans Fee

$0

Product Type

Consumer Card

Credit Recommended Good/Excellent
0%
  • Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months.
  • 7,500 anniversary points each year.
  • Earn 3X points on Southwest® purchases.
  • Earn 2X points on local transit and commuting, including rideshare.
  • Earn 2X points on internet, cable, and phone services, and select streaming.
  • $75 Southwest® travel credit each year.
  • 4 Upgraded Boardings per year when available.
  • No foreign transaction fees.
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Regular APR

19.74% – 26.74% Variable

Intro Rewards Bonus

Earn 50,000 points.

Annual Fee

$69

Credit Recommended:
Good/Excellent

on Chase secure website.

Foreign Trans Fee

3% of each transaction in U.S. dollars

Balance Transfer Fee

Either $5 or 5% of the amount of each transfer, whichever is greater.

Credit Recommended Good/Excellent
0%
  • Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months.
  • 3,000 anniversary points each year.
  • Earn 2X points on Southwest® purchases.
  • Earn 2X points on local transit and commuting, including rideshare.
  • Earn 2X points on internet, cable, and phone services, and select streaming.
  • 2 EarlyBird Check-In® each year.
  • Earn 1 point for every $1 spent on all other purchases.
  • All points earned count towards Companion Pass®.
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Credit Cards For Good Credit

Do you have good credit? If so, that is great news. Credit cards within this credit category typically offer lower APRs, lower fees and a wide variety of rewards programs compared to those designed for lower credit quality. Choosing the best low interest credit cards for good credit is the key to increasing your benefits. Not sure what your score is? Sign up for an account with CreditSoup to get your free credit score.

How to Look at the Best Credit Cards for Good Credit

When you have good credit (660-720 credit score**) you have a world of possibilities, at least as far as credit card offers are concerned. Credit card companies are in fierce competition for the chance to handle credit for responsible consumers. That means you can pick and choose among many excellent offers, selecting the one that is best for you. With so many options to choose from, it can take a lot of time and energy to be sure you’re selecting the best offer. That’s where CreditSoup can help.

One of the problems with being offered so many attractive options is that they all have different incentives and terms. Take the time to compare:

  • Introductory rates and how long they last
  • Interest rates
  • Annual fees and origination fees, especially for access to certain benefits
  • Balance transfer rates and fees
  • Rewards programs and how you can accrue them
  • Grace periods and late fees

Keep in mind that some cards will have features that you like better than others. One card may give you six months with no interest but charge a hefty annual fee. Then, once the introductory rate expires, the APR may not be attractive relative to other offers. Another card offers a satisfactory fixed rate and no annual cost but carries an annual fee.

How can you tell which is the better offer? The trick is to think about how you plan to use the card, and then pick the one that best matches your expectations. The right choice for people who pay their bills in full each month may be different from those who may carry balances month to month. You might decide you would rather take the card with the annual fee that gives you benefits you will definitely use, or you may prefer the one that keeps all of your costs down.

Maximize Benefits Without Damaging Your Credit

If better credit cards are supposed to be a reward for attaining good credit, make sure you can keep it that way. Look through the potential offers and narrow it to a few top options. Applying for a new credit card every now and then is not likely to affect your credit by a huge margin. Making several card applications at once could negatively impact your credit score, though, because lenders may consider that as a red flag that you are in financial trouble.

Once you get the cards, be sure to use them responsibly. That means abiding by all the terms of the account agreement that the issuer mails you along with your new credit card. Credit utilization (the percentage of your available credit that you keep in debt) takes a much larger part of your credit score than new applications. If your credit usage goes up a lot and you accumulate much more revolving debt, that dip in your credit can take longer to resolve. A good rule of thumb is to keep your monthly credit line utilization below 30%.

At CreditSoup, we help sort these elements for you. Found in one simple place, we list some of the best credit cards for good credit.

*See online credit card application for details on the terms and conditions.

**Credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any credit card product.