Best Credit Cards for Good Credit [December 2022]

The best credit cards for good credit include a wide variety of cards that could suit a number of lifestyles and financial situations. See which makes the most sense for you.
Last updated Dec. 1, 2022 | By Ben Walker, CEPF
Best Credit Cards for Good Credit

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The best credit cards for good credit provide plenty of opportunities to take advantage of valuable benefits and rewards while continuing to build your credit and improve your personal finances. These rewards cards range from travel cards to cashback cards.

If you have good credit and you’re interested in applying for a new credit card, here are some terrific options for you to choose from. You can use this guide to compare credit cards and pick the one that rewards you the most.

The best credit cards for good credit

In this article

The best credit cards for good credit for December 2022

Card name Best for Welcome offer
Chase Sapphire Preferred® Card All-around travel rewards Earn 60,000 points after spending $4,000 on purchases in the first 3 months
Capital One Venture Rewards Credit Card Simple travel rewards Earn a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening
Blue Cash Preferred® Card from American Express Groceries Earn a $250 statement credit after spending $3,000 on purchases in the first 6 months
Capital One Quicksilver Cash Rewards Credit Card Simple cash back Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
U.S. Bank Cash+® Visa Signature® Card Flexible cash back Earn $200 cash back after spending $1,000 in the first 120 days
Chase Freedom Unlimited® Everyday travel rewards Earn an extra 1.5% cash back on all eligible purchases, on up to $20,000, in the first year
Blue Cash Everyday® Card from American Express Online shopping Earn up to $250 - earn 20% back in statement credits (up to $150) when using your card to shop at PayPal in the first 6 months, plus earn a $100 statement credit after spending $2,000 in the first 6 months

Chase Sapphire Preferred® Card: Best for all-around travel rewards

The Chase Sapphire Preferred is considered one of the best cards for travel due to its valuable earning potential, many benefits, and low $95 annual fee. It’s suited for frequent or occasional travelers who want to fuel travel with rewards from everyday and travel purchases.

The Sapphire Preferred offers a sign-up bonus of 60,000 points after spending $4,000 in the first 3 months — that’s at least $750 toward travel. You can also earn 5X points on Lyft rides and travel booked through Chase Ultimate Rewards; 3X points on eligible dining, select streaming services, and online grocery purchases; 2X points on travel; and 1X points per $1 on all other eligible purchases.

We like the Sapphire Preferred because it offers 25% bonus points to travel redemptions through the Chase rewards program. Combining points from other Chase credit cards such as the Chase Freedom Flex℠ and Chase Freedom Unlimited can help you take advantage of this 25% points bonus.

You also receive a $50 annual credit toward hotel stays purchased through Chase Ultimate Rewards, which can immediately help offset the $95 annual fee.

Learn more in our Chase Sapphire Preferred review.

Capital One Venture Rewards Credit Card: Best for simple travel rewards

The Capital One Venture Rewards is an excellent credit card if you want to earn simple and flexible rewards. It’s suited for frequent or occasional travelers who want to free up space in their wallets by having one credit card they can use for everything.

The Capital One Venture Rewards has a $95 annual fee and you can earn a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening — which is worth at least $750 toward travel. You can also earn 2X miles per dollar on every purchase, every day; 5X miles on hotels and rental cars booked through Capital One Travel and 5X miles per dollar when you book on Turo through May 16, 2023.

We like how the Venture Rewards provides a simple earning rate that offers at least 2X miles on every purchase, every day. This makes it easy to use the Venture Rewards on all your purchases and start racking up travel rewards.

You also receive two free annual visits to Capital One Lounges or Plaza Premium lounges, Hertz Five Star elite status, and up to $100 for TSA PreCheck or Global Entry application credit. 

Check out our Capital One Venture Card review.

Blue Cash Preferred® Card from American Express: Best for groceries

The Blue Cash Preferred Card is a powerhouse rewards credit card for different types of common expenses. It’s suited for people whose spending categories focus on grocery stores (not Target or Walmart), gas, and streaming subscriptions.

The Blue Cash Preferred has a $95 (waived first year) annual fee (terms apply) and offers a welcome bonus of $250 statement credit after spending $3,000 in the first 6 months. You can also earn 6% cash back at U.S. supermarkets (for first $6,000 per year, after that 1%) and on select U.S. streaming services, 3% cash back at U.S. gas stations and on eligible transit, and 1% cash back on other eligible purchases.

We like the Amex Blue Cash Preferred because it hits so many of the right notes when it comes to earning cash back on everyday purchases. It also doesn’t hurt that cardholders can take advantage of these two introductory APR offers:

  • Intro APR offer on purchases: 0% intro APR for 12 months on purchases, then 17.74% to 28.74% (variable)
  • Intro APR offer on balance transfers: 0% intro APR for 12 months on balance transfers, then 17.74% to 28.74% (variable)

Read our American Express Blue Cash Preferred review.

Capital One Quicksilver Cash Rewards Credit Card: Best for simple cash back

The Capital One Quicksilver Cash Rewards is a top credit card for everyday spending. It’s suited for people who want a simple rewards card to earn cash back on all types of purchases.

The Capital One Quicksilver has a $0 annual fee and offers $200 cash bonus after spending $500 in the first 3 months. You can also earn 1.5% cash back on every purchase, every day; and 5% cash back on hotels and rental cars booked through Capital One Travel (terms apply).

We like how there’s nothing complicated about the Capital One Quicksilver. You can use it for just about any type of purchase and you know you’ll earn at least 1.5% cash back.

Even better, the Capital One Quicksilver provides these 0% intro APR offers:

  • Intro APR offer on purchases: 0% intro APR for 15 months on purchases, then 17.99% - 27.99% (variable) APR
  • Intro APR offer on balance transfers: 0% intro APR for 15 months on balance transfers, then 17.99% - 27.99% (variable) APR; 3% fee on balances transferred within the first 15 months

Learn more in our Capital One Quicksilver Cash Rewards review.

U.S. Bank Cash+® Visa Signature® Card: Best for flexible cash back

The U.S. Bank Cash+ Visa Signature Card offers flexible options for maximizing your earning potential. It’s suited for people who want increased control over how they earn cash back.

The U.S. Bank Cash+ Visa Signature has a $0 annual fee and offers $200 cash back after spending $1,000 in the first 120 days. You can also earn 5% cash back on two chosen categories (up to $2,000 quarterly) and prepaid air, hotel, and car reservations booked in the Rewards Center; 2% cash back on one chosen everyday category; and 1% cash back on all other eligible purchases.

We like how you have the option to choose your cashback categories with the U.S. Bank Cash+ Visa Signature. If your spending tends to vary each quarter, simply choose categories that align with your current spending habits.

The U.S. Bank Cash+ Visa Signature Card also provides these intro APR offers:

  • Intro APR offer on purchases: 0% intro APR on purchases for 15 billing cycles, and then 18.24% to 28.24% (variable)
  • Intro APR offer on balance transfers: 0% intro APR on balance transfers for 15 billing cycles on balances transferred in the first 60 days, then 18.24% to 28.24% (variable)

Check out our U.S. Bank Cash Visa Signature Card review.

Chase Freedom Unlimited®: Best for everyday travel rewards

The Chase Freedom Unlimited offers opportunities to earn travel rewards on everyday spending. It’s suited for people who want to help cover travel expenses by earning rewards on common expenses.

The Freedom Unlimited has a $0 annual fee and offers 5% cash back on travel purchased through Chase Ultimate Rewards, 3% cash back on dining and drugstore purchases, and 1.5% cash back on all other purchases. You can also earn an extra 1.5% cash back on all eligible purchases, on up to $20,000, in the first year.

We like how the Freedom Unlimited bonus categories align with everyday expenses, making it easy to earn rewards. It’s also helpful that you can combine points between certain Chase credit cards and potentially increase their value.

For example, moving your rewards from the Freedom Unlimited to a Chase Sapphire Preferred would give your points a 25% bonus toward travel redemptions.

The Chase Freedom Unlimited also provides these 0% intro APR offers:

  • Intro APR offer on purchases: 0% intro APR for 15 months on purchases, then 17.99% to 26.74% (variable)
  • Intro APR offer on balance transfers: 0% intro APR for 15 months on balance transfers, then 17.99% to 26.74% (variable)

Read our Chase Freedom Unlimited review.

Blue Cash Everyday® Card from American Express: Best for online shopping

The Blue Cash Everyday Card is an excellent credit card for everyday spending. It’s suited for people who spend a lot on groceries, online purchases, and gas.

The Blue Cash Everyday has a $0 annual fee (terms apply) and offers a up to $250 in statement credits ($100 plus earn 20% back up to $150 when using your card to shop at PayPal) after spending $2,000 in the first 6 months. You can also earn 3% cash back at U.S. supermarkets, U.S. gas stations, and U.S. online retail purchases (up to $6,000 per year in each category, then 1%); and 1% cash back on other eligible purchases.

We like that the Blue Cash Everyday is similar to the Blue Cash Preferred but comes with a $0 annual fee. It’s also unique that online shopping — a category not found on my rewards credit cards — is included in this card’s 3% cashback rate bonus category. 

The Blue Cash Everyday Card provides these 0% intro APR offers:

  • Intro APR offer on purchases: 0% intro APR for 15 months on purchases, then 17.74% to 28.74% (variable)
  • Intro APR offer on balance transfers: 0% intro APR for 15 months on balance transfers, then 17.74% to 28.74% (variable)

Learn more in our Blue Cash Everyday Card from American Express review.

Methodology

If you have good credit, there are loads of credit card products available for you to check out from most credit card issuers. Having a good mix of cards was one of our main priorities when creating this list of the best credit cards for good credit.

Each individual is different and has varying financial needs, so the best credit card for one person may not be the best for another. With that in mind, we found credit cards that require good credit, but also stand out in their particular categories for the benefits and rewards they offer. For example, we chose travel rewards cards with no foreign transaction fee, but also cashback cards with good rewards rates on everyday purchases.

Each of the cards we picked offers excellent benefits in their category, whether it’s travel, groceries, gas, and/or restaurants. Overall, there should be at least one card listed that can suit the specific needs of just about anyone with good credit.

What is a good credit score?

FICO and VantageScore provide the credit score models most recognized by lenders around the country. They use the information on your credit report to create your score. Their models provide credit score ranges from 300 to 850, with 300 being the lowest and 850 the highest. On the FICO model, a good credit score falls between 670 and 739. On the VantageScore model, a good credit score is between 661 and 780.

As you can see, good credit scores are ranked fairly high on both models, well away from the lowest 300 score, which falls under bad credit. If you have a good credit score, you’ve likely met many of the criteria that the major credit bureaus (Experian, Equifax, and TransUnion) take into account when calculating your score.

Here are the common factors that affect your credit score:

  • Late payments: Late and missed payments account for a large portion of your credit score. Simply opening a credit account, using it, and never having a late or missed payment will have positive effects on your credit. Not to mention you'll save money by not paying late fees.
  • Credit utilization: Lenders want you to use your borrowed credit, but they don’t want you to use up your entire credit limit all the time. If you consistently carry a credit card balance of 30% or less of your available credit, your credit score is likely to increase.
  • Credit history: The longer you’ve had open credit accounts in good standing, the better your credit score will be. Lenders want to see a reasonable history of credit before they offer you more.
  • Credit mix: Having any type of credit account can help your credit score, but if you have different types of credit, you’re likely to increase your credit score. Credit comes in many forms, including credit cards, car loans, mortgages, student loans, and more.
  • New credit: Too many recent lines of credit or hard inquiries into your credit score can lower your credit. Hard inquiries typically occur when a lender needs to see your credit history, so keep that in mind when applying for credit.

Improving your credit score is very much worth your time. Yet, be mindful that your credit score is only one factor credit card issuers take into account, and having a certain score does not guarantee approval.

What is the difference between a good and fair credit score?

The main difference between a good credit score and a fair credit score is that a good score is higher than fair. If you have a good score, lenders will be more willing to let you borrow credit from them. Fair credit scores fall between 580 and 669 on the FICO model and between 601 and 660 on the VantageScore model.

If you have a fair credit score, you may have limited credit card options and less favorable interest rates on credit lines. For instance, you may not qualify for many popular travel credit cards or the best cashback credit cards.

However, you may still be approved for credit cards that have been designed for individuals with fair credit scores. Cards such as the Capital One QuicksilverOne Cash Rewards Credit Card or a secured card similar to the Citi® Secured Mastercard® could help you improve your fair credit score to a point at which you’ll qualify for cards with increased rewards and benefits.

How to improve your credit score to excellent

The best way to improve your credit score to excellent is to make decisions that align with the factors that make up your credit score. Most lenders solely focus on these factors when determining your creditworthiness, so it’s essential you focus on them as well. Building credit can take a while, but the benefits and products you have access to once you improve your credit score could make the effort worthwhile.

Here are the best ways to work your way up to an excellent credit score:

  • Be vigilant about payments. Because late and missed payments have a huge impact on your credit score, you shouldn’t ever be late on your payments. Set up reminders for yourself when your payments are due using your credit card’s online account. Get into the habit of paying off your balance around the same time every month and you’ll be less likely to forget about it.
  • Open multiple credit accounts and keep them open. The more positive credit history you have, the better. As you slowly open more accounts and have them open for long periods of time, your credit score should build if you keep your accounts in good standing. Don’t cancel your credit cards if you don’t have to, especially if they’re your best source for lenders to see a long credit history.
  • Utilize different forms of credit. More than one credit card or more than one loan can be beneficial for your credit, but if you also mix up your credit sources, you can build your credit faster. Don’t open more lines of credit if you don’t need to, but keep in mind that a new form of credit can help your score. So if you’ve never had a car loan before and are looking to get a new car anyway, this is a natural way of improving your credit.
  • Use the credit you need. If you use too much credit on a regular basis, your credit score can drop. So continue to use credit, but don’t use all of your credit as much as possible. Going over 30% credit utilization may happen now and then, but it shouldn’t be a frequent occurrence.

If you follow these guidelines, you’ll help build your credit up to the point at which it’ll be in the excellent range. At that point, you’ll be in a stronger position to qualify for the best credit cards available and the lowest interest rates.

FAQs

Can I get a credit card with a 700 credit score?

Most likely. Having a 700 credit score increases your likelihood of being approved for a credit card. A 700 credit score is considered good credit on both the FICO score and VantageScore credit scoring models, which opens up plenty of possibilities for credit cards. Cards that might consider you with this credit score include travel cards such as the Chase Sapphire Preferred or cashback cards similar to the Blue Cash Preferred Card from American Express.

Do note that numerical credit scores are provided as guidelines only and are not a guarantee of approval.

What are good credit card interest rates if I have good credit?

Many credit cards that require good credit have variable APRs, which is your annual percentage rate of interest, of around 15% to 24%. But you would likely want to find a lower interest rate than this if you’re making big purchases or doing a balance transfer.

If you have good credit, you may be able to qualify for 0% APR credit cards. These cards provide intro APR offers of 0% on purchases and/or balance transfers for a certain amount of time, so you can avoid paying interest for the length of the offer. After that period, you'll pay the regular interest rate on your remaining balance. You may also have to pay a balance transfer fee on the amount you move to your new card.

Do certain credit cards build credit faster?

No, certain credit cards don’t build your credit faster. Building your credit does come down to how you’re using your credit cards and other credit products on a regular basis. Remember to make all your payments on time, keep your credit utilization low, and maintain or create a long history of responsible credit usage. If you take these steps along with having multiple credit products and not opening too many accounts in a short period of time, you will be more likely to see your credit score start to improve.

Are there credit cards for good credit that offer travel perks?

Credit cards such as the Chase Sapphire Preferred, Southwest Rapid Rewards® Priority Credit Card, and The World of Hyatt Credit Card are all credit cards that typically require good credit and offer travel perks.

For example, the Chase Sapphire Preferred offers valuable travel insurance and other coverages, whereas the Southwest Rapid Rewards Priority Credit Card offers $75 in annual Southwest travel credit and 7,500 Rapid Rewards points each cardmember anniversary. The World of Hyatt Credit Card provides a free night’s stay each year at one of hundreds of Hyatt properties worldwide.


Bottom line

If you have good credit, you’re well on your way to building your credit score up to an excellent level and reaping the rewards that come with it. Once you have excellent credit, you'll potentially be eligible for even more lucrative travel cards such as the Chase Sapphire Reserve® or Capital One Venture X Rewards Credit Card.

We’ve picked a variety of rewards cards from different card companies that can help you on your credit-building journey while also providing useful benefits. Use this guide to compare credit cards, and then choose the right card for you by seeing which one most aligns with your lifestyle and financial goals.

Our #1 Travel Card

Current Offer

Earn 60,000 points after spending $4,000 on purchases in the first 3 months

Annual Fee

$95

Rewards Rate

5X points on Lyft rides and travel booked through Chase Ultimate Rewards; 3X points on eligible dining, select streaming services, and online grocery purchases; 2X points on travel; and 1X points per $1 on all other eligible purchases

Benefits and Drawbacks

Benefits

  • Earn 60,000 points after spending $4,000 on purchases in the first 3 months
  • 5X points on Lyft rides and travel booked through Chase Ultimate Rewards
  • 25% more value when redeeming rewards for travel through Chase Ultimate Rewards
  • 10% anniversary point bonus each year
  • $50 annual credit on hotel stays booked through Ultimate Rewards
  • Premium travel protection benefits

Drawbacks

  • Has annual fee
  • Typically need to spend thousands to reap rewards
Card Details
  • Earn 60,000 points after spending $4,000 on purchases in the first 3 months
  • 5X points on Lyft rides and travel booked through Chase Ultimate Rewards; 3X points on eligible dining, select streaming services, and online grocery purchases; 2X points on travel; and 1X points per $1 on all other eligible purchases

Author Details

Ben Walker, CEPF Ben Walker, CEPF, is a credit cards and travel writer at FinanceBuzz who loves helping others achieve their travel goals through financially sound decisions. For over a decade, he has been using credit card points and miles for the sole purpose of traveling the world. Ben is a Certified Educator of Personal Finance and has been featured in The Washington Post, MSN, Debt.com, and Finder.com.