Credit Cards for Good Credit

By updated on April 16, 2014

If you have good credit, there are a wealth of credit cards available to you. Before you decide which one the best for your particular needs, you'll need to make some decisions. Do you want to carry a balance or pay off your debt in full each month? Do you want to transfer a balance from a credit card with a higher rate? Or do you want to earn rewards such as cash or frequent flier miles? Once you know the answers to these questions, you can apply for the credit card that meets your needs.

What is considered a good credit score?

If you have been responsible with your credit cards, paid your bills on time and haven't taken on too much debt, credit card companies are eager to have your business. While exact credit score standards vary, in general, a credit score of 700 and above should put you in the category of someone with good credit. You can leverage that good credit into qualifying for the credit card offer that you want, such as a card with low interest, cash back rewards, frequent flier miles or a low balance-transfer rate.

What kind of offers can I expect with a good credit score?

It will vary, which is why it's important to compare credit cards and what they offer. But some of the things you should expect include no annual fee; 0 percent introductory interest for the first several months; and a lower variable interest rate after that. Those with the best credit rating get the lowest interest rate.

What kinds of rewards will these cards offer?

There's a rewards credit card to fit every customer. If you drive a lot, you can look for rebates on gas purchases, or if you fly often, you may want a card that adds to your frequent flier miles account every time you shop. Compare these cards not only by the way you earn rewards, but also by how easy it is to redeem rewards. Some credit card companies offer bonus points for using the card or even just for paying your bills.

So what can I do with these rewards?

If you have a good credit score, look for a credit card that will return your rewards in a convenient way, such as in the form of a gift card, credit or check. You should be able to redeem them any time, either by phone, on a website or at a predetermined interval in which you get your cash back automatically.

What other benefits should I look for?

Free extended warranties on the products you purchase; travel accident insurance when you purchase your tickets with your good-credit credit card; auto rental insurance; travel assistance services, such as assistance with passports and immunizations; and no liability for unauthorized transactions on your card.

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Gold Delta SkyMiles® Business Credit Card from American Express

Editor's Rating

  • Earn 30,000 bonus miles after you make $1,000 in purchases on your new Card within your first 3 months
  • Additionally, earn a $50 statement credit after you make a Delta purchase with your new Card within your first 3 months
  • You can check your first bag for free and save up to $50 on a round-trip Delta flight
  • 2x miles for each dollar spent on qualifying Delta purchases and 1x mile for each dollar spent on other eligible purchases
  • Priority Boarding and 20% In-Flight Savings in the form of a statement credit on eligible purchases
  • $0 introductory annual fee for the first year, then $95
  • Terms and limitations apply

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Apply Now Credit Needed: Good

Balance Transfer Intro APR

N/A

Balance Transfer Intro Period

N/A

Purchase Intro

APR: None

Purchase APR

15.24% - 19.24% Variable

Annual Fee

$95

$0 introductory annual fee for the first year, then $95

Starwood Preferred Guest® Business Credit Card from American Express

Editor's Rating

  • Starpoints® bonus: Earn up to 25,000 bonus points
  • Earn 10,000 Starpoints® after your first purchase on the Card and another 15,000 after you spend $5,000 in purchases on the Card within the first 6 months of Card Membership
  • Starpoints® redeemable towards Free Hotel Nights at over 1,100 hotels in nearly 100 countries worldwide -- with no blackout dates
  • Earn 2 Starpoints® for each dollar of eligible purchases charged directly with hotels and resorts participating in the SPG® program
  • Earn 1 Starpoint® for each dollar of eligible purchases
  • $0 introductory annual fee for the first year, then $65
  • Terms and limitations apply

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Apply Now Credit Needed: Good

Balance Transfer Intro APR

N/A

Balance Transfer Intro Period

N/A

Purchase Intro

APR: None

Purchase APR

15.24% - 19.24% Variable

Annual Fee

$65

$0 introductory annual fee for the first year, then $65

The Plum Card® from American Express OPEN

Editor's Rating

  • Get a 1.5% discount for paying early or up to 60 days to pay without interest, or both each month.
  • Do business on your terms.
  • Pay no annual Membership fee for your first year. Then, pay $250 annually.
  • No annual fee for Employee Cards.
  • Terms & Restrictions Apply.

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Apply Now Credit Needed: Good

Balance Transfer Intro APR

N/A

Balance Transfer Intro Period

N/A

Purchase Intro

APR: N/A

Purchase APR

N/A

Annual Fee

$250

$0 introductory annual fee for the first year, then $250

Citi® Dividend® Card for College Students

Editor's Rating

  • Build credit while earning cash back fast
  • Earn 5% cash back every quarter in must-have categories like department stores, travel and more, enrollment each quarter is quick and easy.
  • Earn 1% cash back on all other purchases
  • The total cash back earned with the card is $300 per calendar year. See Citi Dividend Card Reward Program Information.
  • Choose your payment due date
  • Manage your account online, on your tablet or on your Smartphone
  • No Annual Fee
  • Click Apply Now for pricing details

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Apply Now Credit Needed: Good

Balance Transfer Intro APR

N/A

Balance Transfer Intro Period

N/A

Purchase Intro

APR: 0%*

Period: 7 months*

Purchase APR

13.99% - 23.99%* Variable

Annual Fee

$0 *

Capital One® VentureOne® Rewards Credit Card

Editor's Rating

  • Earn unlimited 1.25 miles on every purchase, every day
  • No annual fee
  • Enjoy a one-time bonus of 20,000 miles once you spend $2,000 on purchases within the first 3 months, equal to $200 in travel
  • Fly any airline, stay at any hotel, anytime
  • Enjoy a low intro APR on purchases
  • Travel when you want--no blackout dates
  • Miles don't expire
  • No limit to the miles you can earn

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Apply Now Credit Needed: Good

Balance Transfer Intro APR

N/A

Balance Transfer Intro Period

N/A

Purchase Intro

APR: 0%

Period: until April 2015

Purchase APR

11.90% - 19.90% Variable

Annual Fee

$0

Capital One® Venture® Rewards Credit Card

Editor's Rating

  • Earn unlimited 2X miles on every purchase, every day
  • Enjoy a one-time bonus of 20,000 miles once you spend $2,000 on purchases within the first 3 months, equal to $200 in travel
  • Fly any airline, stay at any hotel, anytime
  • Travel when you want--no blackout dates
  • Miles don't expire
  • No limit to the miles you can earn
  • No foreign transaction fees
  • No annual fee for the first year; $59 after that

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Apply Now Credit Needed: Good

Balance Transfer Intro APR

N/A

Balance Transfer Intro Period

N/A

Purchase Intro

APR: N/A

Purchase APR

13.90% - 20.90% Variable

Annual Fee

$59

$0 intro for first year; $59 after that

Capital One® Platinum Prestige Credit Card

Editor's Rating

  • Transfer a balance for 0% intro APR until July 2015
  • Get 0% intro APR on all purchases until July 2015
  • Enjoy no annual fee
  • Get peace of mind with fraud coverage if your card is lost or stolen
  • Enjoy extended warranty protection on eligible items purchased with your card
  • Fast and easy access, 24/7
  • Rent a car using your card and get collision, damage, and loss insurance
  • Feel secure with 24-hour roadside assistance

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Apply Now Credit Needed: Good

Balance Transfer Intro APR

0%

Balance Transfer Intro Period

until July 2015

Purchase Intro

APR: 0%

Period: until July 2015

Purchase APR

10.90% - 18.90% Variable

Annual Fee

$0

The Business Gold Rewards Card from American Express OPEN

Editor's Rating

  • Get 25,000 Membership Rewards® points after you spend $5,000 in purchases on the Card within the first 3 months of Card Membership
  • Built with business-sized purchasing power and fast rewards
  • 3X points on airfare purchased directly from airlines
  • 2X points on US purchases for advertising in select media, shipping, at gas stations, and made directly from select computer hardware, software, and cloud computing providers
  • Up to $100,000 in each category per year, then 1 point
  • Use points to entertain clients, reward employees, reduce travel costs, or just offset the everyday expenses of moving your business forward
  • Terms and limitations apply

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Apply Now Credit Needed: Good

Balance Transfer Intro APR

N/A

Balance Transfer Intro Period

N/A

Purchase Intro

APR: N/A

Purchase APR

N/A

Annual Fee

$175

$0 introductory annual fee for the first year, then $175

Sony Card from Capital One®

Editor's Rating

  • Earn 5,000 bonus points after first purchase in your first 90 days
  • 5 points per $1 at Sony Store and store.sony.com
  • 3 points per $1 on dining out and movie purchases
  • 1 point per $1 spent on all other purchases
  • Redeem for Sony products, movies, music & more
  • 0% intro APR on purchases until February 2015, after that a variable 13.9% - 24.9% applies
  • No annual fee

See more

Apply Now Credit Needed: Good

Balance Transfer Intro APR

N/A

Balance Transfer Intro Period

N/A

Purchase Intro

APR: 0%

Period: until February 2015

Purchase APR

13.90% - 24.90% Variable

Annual Fee

$0

Business Green Rewards Card from American Express OPEN

Editor's Rating

  • Receive 5,000 bonus points on your first purchase
  • No pre-set spending limit* or finance charges
  • Earn one Membership Rewards® point for every dollar you spend
  • Redeem points toward top-tier rewards including travel, merchandise, office equipment, and gift cards for you or your employees
  • $0 introductory annual fee for the first year, then $95
  • Terms & Restrictions Apply.

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Apply Now Credit Needed: Good

Balance Transfer Intro APR

N/A

Balance Transfer Intro Period

N/A

Purchase Intro

APR: N/A

Purchase APR

N/A

Annual Fee

$95

$0 introductory annual fee for the first year, then $95

SimplyCash® Business Card from American Express

Editor's Rating

  • Limited Time Offer: You can get a $250 statement credit after you spend $3,000 on qualifying purchases within the first 3 months of Card Membership.
  • To be eligible for this offer, you must be approved by April 28, 2014.
  • With no annual membership fee, it's a smart choice for your business.
  • 5% at U.S. office supply stores & on wireless telephone services purchased directly from U.S. service providers
  • 3% on the category of your choice
  • 1% on other purchases
  • 5% and 3% apply to purchases up to $25,000 per rebate year then 1% thereafter. Cash back earned is automatically credited to your statement.
  • Terms and limitations apply

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Apply Now Credit Needed: Good

Balance Transfer Intro APR

N/A

Balance Transfer Intro Period

N/A

Purchase Intro

APR: 0%

Period: for 9 months

Purchase APR

12.24% - 19.24% Variable

Annual Fee

N/A

No annual fee

The Blue for Business® Credit Card from American Express

Editor's Rating

  • Earn a 30% annual Relationship Bonus - without an annual membership fee
  • Get 10,000 Membership Rewards® points after making your first purchase on the Card within your first 3 months of Card Membership -- valued at up to $100 in gift cards at select merchants
  • No annual fee for Additional Cards for Employees
  • Get a low introductory APR on purchases for 9 months
  • Use points to reinvest in your business and reward your employees and clients
  • Choose rewards from over 500 leading brands in travel, gift cards, merchandise or entertainment
  • Terms & Restrictions Apply

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Apply Now Credit Needed: Good

Balance Transfer Intro APR

N/A

Balance Transfer Intro Period

N/A

Purchase Intro

APR: 0%

Period: for 9 months

Purchase APR

11.24% - 19.24% Variable

Annual Fee

None

No annual fee

Capital One® Quicksilver® Cash Rewards Credit Card

Editor's Rating

  • One-time $100 bonus after you spend $500 on purchases within the first 3 months
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories and no sign ups needed to earn cash rewards
  • Redeem the cash back you earn for any amount, any time
  • Your cash back doesn't expire
  • 0% intro APR on purchases and balance transfers until January 2015
  • No annual fee

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Apply Now Credit Needed: Good

Balance Transfer Intro APR

0%

Balance Transfer Intro Period

until January 2015

Purchase Intro

APR: 0%

Period: until January 2015

Purchase APR

12.90% - 22.90% Variable

Annual Fee

$0

Playstation® Card from Capital One®

Editor's Rating

  • Earn 5,000 bonus points after your first purchase in the first 90 days
  • 10 points per $1 spent on all Playstation® Store purchases
  • 3 points per $1 spent on Playstation® and Sony purchases at Sony Store and store.sony.com
  • 3 points per $1 spent on quick service restaurants, movie theatres & your mobile phone bill
  • 1 point per $1 spent on all other purchases
  • Redeem for Sony products, movies, music & more
  • 0% intro APR on purchases until February 2015, after that a variable 13.9% - 24.9% applies
  • No annual fee

See more

Apply Now Credit Needed: Good

Balance Transfer Intro APR

N/A

Balance Transfer Intro Period

N/A

Purchase Intro

APR: 0%

Period: until February 2015

Purchase APR

13.90% - 24.90% Variable

Annual Fee

$0

These quotes are from credit card issuers which have paid for a link to their website. Offers are subject to change without notice and may not be the same for all consumers.