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
- Best for travelers: Chase Sapphire Preferred
- Best for airline rewards: Southwest Rapid Rewards Priority Credit Card
- Best for hotel rewards: World of Hyatt Credit Card
- Best for points beginners: Wells Fargo Propel American Express Card
- Best for streaming services rewards: Blue Cash Preferred® Card from American Express
- Best for restaurant rewards: Capital One Savor Cash Rewards Credit Card
The best credit cards for good credit for September 2021
|Card name||Best for||Why it’s special|
|Chase Sapphire Preferred||Travel||Generous 100,000-point sign-up bonus; travel rewards; travel partners; travel insurance|
|Southwest Rapid Rewards Priority Credit Card||Flights||Generous 40,000-point sign-up bonus; travel rewards; $75 annual Southwest credit; 7,500 Southwest anniversary points each year; Four free upgraded boardings each year|
|World of Hyatt Credit Card||Hotels||Generous 30,000-point sign-up bonus; travel rewards; automatic Discoverist status; free anniversary night each year|
|Wells Fargo Propel American Express Card||Points beginners||Generous 20,000-point welcome bonus; $0 annual fee; earn 3X points on eligible dining, transportation, travel, and streaming services|
|Blue Cash Preferred® Card from American Express||Streaming services||Generous $150 cash back welcome bonus; earn 6% cash back on U.S. supermarkets (on up to $6,000 per year, after that 1X) and select U.S. streaming services|
|Capital One Savor Cash Rewards Credit Card||Restaurants||Generous $300 cash back early spend bonus; earn 4% cash back on dining and entertainment (including streaming services)|
Chase Sapphire Preferred: Best for travelers
The Chase Sapphire Preferred is the best card for travelers who want access to the valuable Chase Ultimate Rewards program, but don’t want to pay a high annual fee. For travelers, the $95 annual fee can be easily offset by the $50 annual credit on hotel stays purchased through Chase Ultimate Rewards. Additionally, the rewards potential of earning 5X points on Lyft rides (through March 2022) 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 makes the low annual cost quite manageable. Not to mention the bonus categories make it easy to earn rewards on your travel purchases.
If you factor in the 100,000-point sign-up bonus after spending $4,000 on new purchases in the first 3 months after account opening, plus your points being worth 25% more when you redeem them for travel through the Chase portal, you’ve got an excellent travel credit card. Chase points are also very flexible, so it’s easy to redeem them for airfare and hotel stays or transfer them to more than 12 Chase Ultimate Rewards transfer partners, like JetBlue or Southwest Airlines.
The Chase Sapphire Preferred Card also offers complimentary insurance coverage, such as trip delay reimbursement, baggage delay insurance, trip cancellation insurance, trip interruption insurance, and rental car insurance. It can also become an even more powerful card for earning travel rewards if you pair it with another Chase card like the Chase Freedom Unlimited or Chase Freedom Flex.
Southwest Rapid Rewards Priority Credit Card: Best for airline rewards
If you’re looking for a way to fly for free using airline rewards, the Southwest Rapid Rewards Priority Credit Card has you covered. Cardholders earn 2X points for Southwest purchases and 1X points on all other purchases.
Even better, you can earn 40,000 points after you spend $1,000 in the first 3 months. plus, earn 3x points on dining, including takeout and eligible delivery services, for the first year. Each year, you’ll also receive up to $75 of Southwest travel credit and 7,500 Rapid Rewards points.
It’s easy to fly Southwest with points when earning rewards is so simple. Plus, the destinations aren’t bad either. Southwest offers flights all over the U.S., Mexico, Central America, and the Caribbean. And unlike many other airlines, Southwest offers two free checked bags per passenger on every Southwest flight.
World of Hyatt Credit Card: Best for hotel rewards
The World of Hyatt Credit Card offers quality benefits and provides multiple opportunities to stay at hotels for free. For rewards, you can earn 9X points per $1 spent at Hyatt hotels; 2X points per $1 spent on eligible travel, dining, and health purchases; and 1 point per $1 spent on everything else.
New cardholders can also earn 30,000 points after spending $3,000 in the first 3 months. With combined points earning potential and the free anniversary night each year, you can stay numerous nights at your choice of hundreds of Hyatt locations around the world.
This card also gets you automatic Discoverist status in the World of Hyatt loyalty program. This provides perks such as room upgrades, late checkout, bonus points, and more. In addition, it also sets you up to more quickly earn higher Hyatt statuses, like Explorist and Globalist, which come with loads more benefits.
Wells Fargo Propel American Express Card: Best for points beginners
The Wells Fargo Propel American Express Card provides a simple and rewarding experience for newcomers to the credit card rewards scene. The excellent opportunities to earn rewards on everyday purchases and the $0 annual fee offer loads of value. This card could also make sense if you already know how rewards cards work and want a straightforward earning option.
Cardholders can earn 3X points on eligible dining, transportation, travel, and streaming service purchases; and 1X points on other purchases. New cardholders can also take advantage of the valuable welcome offer: earn 20,000 points when you spend $1,000 within the first 3 months. Go Far Rewards points can be redeemed for travel, gift cards, cash, and more.
In addition, the Wells Fargo Propel also provides many helpful benefits. This includes cell phone protection, retail protection, extended warranty coverage, lost luggage reimbursement, and car rental loss and damage insurance. If you're looking to make some large purchases, this card also offers a low interest rate of 0% APR for 12 months after account opening.
Overall, this card’s earning potential, $0 annual cost, welcome offer, and added benefits contribute to a solid product.
Blue Cash Preferred Card from American Express: Best for streaming services rewards
With the Blue Cash Preferred Card from American Express, streaming services like Disney+, Hulu, and Netflix have never been more rewarding. Cardmembers earn 6% cash back at U.S. supermarkets (for first $6,000 per year, after that 1X) and on U.S. streaming services, 3% at U.S. gas stations and on eligible transit, and 1% on other purchases. This card also offers an introductory APR of 0% for 12 months after account opening, then 13.99% to 23.99% (variable) (See rates and fees).
Because the Amex Blue Cash Preferred provides cash back on a variety of common expenses, it’s easy to rack up your rewards. Cash back does arrive in the form of a statement credit. If you use your card frequently, your combined everyday earnings provide more than enough value to offset the $95 (waived first year) (See rates and fees) annual fee (terms apply). The $150 welcome offer and the waived annual fee in the first year get you off to great start with the Blue Cash Preferred.
Capital One Savor Cash Rewards Credit Card: Best for restaurant rewards
For terrific rewards earning potential at restaurants, the Capital One Savor Cash Rewards Credit Card is a great option. There is a $95 annual fee, but you earn 8% cash back on tickets purchased through Vivid Seats (through January 2023), 4% unlimited cash back on dining and entertainment, 3% at grocery stores (excludes superstores like Walmart and Target), and 1% cash back on all other purchases.
If you like to dine out, you can earn enough cashback rewards to offset the annual fee while doing something you enjoy. Complimentary card benefits like extended warranty coverage and travel accident insurance also provide a lot of value when you need it.
And with the early spend bonus of $300 after spending $3,000 in the first 3 months, you’re already on your way to building your cashback levels.
How we chose these cards
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. 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.
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 like the Capital One QuicksilverOne Cash Rewards Credit Card or a secured card like 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 qualify for the best credit cards available and the lowest interest rates.
Can I get a credit card with a 700 credit score?
Yes, 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 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 like the Chase Sapphire Preferred or cashback cards like the Blue Cash Preferred Card from American Express.
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 introductory offers of 0% APR on purchases and/or balance transfers for a certain amount of time, so you can avoid paying interest for the length of the offer.
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 like the Chase Sapphire Preferred, Southwest Rapid Rewards Priority Credit Card, and 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.
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 cashback cards like the Citi Double Cash Card or travel cards with extra perks like the Capital One Venture Rewards Credit Card, which comes with an application fee credit for Global Entry or TSA precheck. Just be patient as you work on your credit and make sure you follow the recommendations illustrated above.
We’ve picked a variety of rewards cards 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.