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Best credit cards for good credit of 2022

A good credit score is something to be proud of. CardRatings editors reveal the best credit cards for good credit including both consumer and business card options.
Jennifer Doss, CardRatings Editor Last Updated, January 13, 2022

best credit cards for good credit of 2022A good credit score likely opens the door to you for credit cards with superb welcome offers, high ongoing rewards and even features like introductory 0% APR periods. In other words, there are a lot of options for people with "good" credit scores, whether you're on the hunt for a personal credit card or one for your small business.

It takes work to get to the "good" level, and just because you haven't (yet) reached "excellent" doesn't mean you shouldn't have access to some of the best credit cards on the market. If you've already run a credit score report and know that your credit score is "good" or higher, you've come to the right place! Read on to learn more about the best credit cards from our partners for those with good credit.



About Our Ratings

Why We Like It: Since Chase rewards points can be redeemed through the Chase travel portal or transferred directly at a 1:1 ratio to a number of airline and hotel loyalty programs, the Chase Sapphire Preferred® Card gives its cardholders the freedom they long for when using their rewards points to book a trip, making it an ideal option for those who are not loyal to one particular airline or hotel brand when they travel. Furthermore, when redeeming for travel with Chase Ultimate Rewards® get 25% more value, adding more bang to your redemption buck.

  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
  • Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
  • With Pay Yourself Backâ„ , your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders over $12 for a minimum of one year with DashPass, DoorDash's subscription service. Activate by 03/31/22.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
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  • Travelers are sure to love that the 60,000 bonus points new cardholders can earn are worth $750 in travel rewards. That's huge!
  • Receive a $50 hotel credit annually for a stay booked through the Ultimate Rewards® portal.
  • Baggage delay insurance. If your luggage winds up in some faraway land, and you don't see it for more than six hours, you'll get reimbursed up to $100 a day for five days. After day six, though, you're on your own.


  • It's not a great card for balance transfers, though the charge for them is in line with other cards– $5 or 5% of the amount of each transfer, whichever is greater.
  • This card charges a $95 annual fee.

Read our full Chase Sapphire Preferred® Card review.

Current Scores Past Scores (avg.)
Overall Score 75.9 83.4
Rewards Program Satisfaction 7.5 8.3
Customer Service 7.9 8.5
Website/App Usability 7.7 8.1
Likelihood of Continuing to Use 8.2 8.9
Recommend to a Friend/Colleague 7.1 8.1

*Scores above reflect the results of surveys with actual cardholders. Full methodology below.


About Our Ratings

Why We Like It: This card offers all kinds of rewards earning possibilities on everyday spending. And, at its base, you earn at least 1.5% cash back on every purchase. However, it's the potential to earn a lot more than that that catches our attention.

  • 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 14.99% - 23.74%.
  • 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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  • The cash-back rewards don't expire - unless you close the account. But as long as it is open, you can hang onto those rewards as long as you want.
  • Some nice perks, including car rental insurance, roadside assistance and extended warranty.
  • You cash back accumulates as Chase Ultimate Rewards®, which means you can combine rewards from this no-annual fee card with a Chase premium card that earns Ultimate Rewards® points to maximize your earning and your value.


  • Traveling internationally or shopping in foreign currency? Maybe you best leave this card behind. There are foreign transaction fees to consider.
  • The rewards structure isn't simple. Sure, you'll earn at least 1.5% cash back, but to truly get the most from this card, you'll want to think about how and when you use it.

Read our full Chase Freedom Unlimited® review.

Current Scores Past Scores (avg.)
Overall Score 83.4 84.5
Rewards Program Satisfaction 8.3 8.4
Customer Service 8.4 8.6
Website/App Usability 8.3 8.4
Likelihood of Continuing to Use 8.3 9.0
Recommend to a Friend/Colleague 8.0 8.1

*Scores above reflect the results of surveys with actual cardholders. Full methodology below.


About Our Ratings

Why We Like It: Thanks to 6% cash back on U.S. supermarket purchases (up to $6,000 annually, then 1%) and 3% cash back at gas stations (among other cash back rewards discussed below), the Blue Cash Preferred® Card from American Express earns you money just for shopping on everyday necessities. American Express is a CardRatings advertiser.

  • Earn a $300 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
  • $0 intro annual fee for the first year, then $95.
  • Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 plan fees on plans created during the first 12 months after account opening. Plans created after that will have a monthly plan fee up to 1.33% of each purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
  • Low intro APR: 0% for 12 months on purchases from the date of account opening, then a variable rate, 13.99% to 23.99%
  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
  • 6% Cash Back on select U.S. streaming subscriptions.
  • 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
  • 1% Cash Back on other purchases.
  • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.
  • Terms Apply.
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  • This is a fantastic card for anyone who spending heavily on groceries thanks to 6% cash back earned on U.S. supermarket purchases (up to $6,000 annually, then 1%).
  • The global assist hotline should be a huge help if you're traveling and wind up losing your passport, luggage, or if you're somewhere far-flung and have translation problems.
  • There is a nice introductory offer of 0% APR on all purchases for the first 12 months after card activation. After that, the rate is 13.99% - 23.99% Variable, based on your creditworthiness.


  • If you eat out more than you cook at home, this might not be the best card for you.
  • You'll also want to take note that there's a foreign transaction fee of 2.7%, which is better than 3% that a lot of cards have. That said, a lot of credit cards have no foreign transaction fee.

Read our full Blue Cash Preferred® Card from American Express review.

Current Scores Past Scores (avg.)
Overall Score 77.9 86.5
Rewards Program Satisfaction 7.8 8.4
Customer Service 7.8 8.8
Website/App Usability 7.7 8.8
Likelihood of Continuing to Use 7.9 9.0
Recommend to a Friend/Colleague 7.8 8.7

*Scores above reflect the results of surveys with actual cardholders. Full methodology below.


About Our Ratings

Why We Like It: ThankYou® Points are a nice reward currency to have around as they can be redeemed directly for travel, gifts cards and more or they can be transferred to a number of travel loyalty programs. It's also nice that this card offers some appealing additional perks, including a newly added annual hotel bonus credit.

  • Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
  • Earn 3 Points per $1 spent at Restaurants and Supermarkets
  • Earn 3 Points per $1 spent at Gas Stations, Air Travel and Hotels
  • Earn 1 Point per $1 spent on all other purchases
  • Annual Hotel Savings Benefit
  • 60,000 Points are redeemable for $600 in gift cards when redeemed at
  • No expiration and no limit to the amount of points you can earn with this card
  • No Foreign Transaction Fees on purchases
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  • There are a lot of excellent everyday rewards-earning opportunities here, so you can rack up a bank of ThankYou® Points pretty quickly.
  • Receive $100 off a single hotel stay of $500 or more each calendar year.
  • There are no foreign transaction fees to worry about, so you'll save money there.


  • Keep in mind the annual fee; the $100 hotel credit would more than offset that, though, if you're able to take advantage (see the Pros above for more on that).
  • There are a number travel partners to which you can transfer your rewards, but they aren't necessarily the most popular ones out there. Take a look to ensure you can use those partners or that you'll still get good value with your rewards.

Read our full Citi Premier® Card review.

Current Scores Past Scores
Overall Score 76.7 Did not survey
Rewards Program Satisfaction 7.6 n/a
Customer Service 7.7 n/a
Website/App Usability 7.8 n/a
Likelihood of Continuing to Use 7.8 n/a
Recommend to a Friend/Colleague 7.8 n/a

*Scores above reflect the results of surveys with actual cardholders. Full methodology below.


About Our Ratings

Why We Like It: If the large bonus offer doesn't capture your attention, perhaps the ongoing high rewards rate will. Venture cardholders receive two times the miles on every purchase, uncapped. Rewards can then be redeemed toward any flight, hotel stay, car rental, or cruise, among other travel-related purchases, with no blackout dates to worry about. Plus, you can transfer your miles to several leading travel loyalty programs.

The card comes with no foreign transaction fees when making purchases outside of the United States, as well as an application fee refund of up to $100 for your Global Entry or TSA Pre✓® application, a perk normally reserved for credit cards with much higher annual fees.

  • Enjoy a one-time bonus of 60,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $600 in travel
  • Earn unlimited 2X miles on every purchase, every day
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®
  • Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
  • Use your miles to get reimbursed for any travel purchase-or redeem by booking a trip through Capital One Travel
  • Transfer your miles to your choice of 15+ travel loyalty programs
  • No foreign transaction fees
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  • Driving a rental car? With this card, you'll get an auto rental collision damage waiver.
  • And if you break down with the rental car? Or your own car? You'll get roadside assistance.
  • And you can afford to pay for a rental car in another country, this card has no foreign transaction fees.


  • You may find the list of airlines that the card partners with lacking. Not a lot of big American airline names.
  • The $95 annual fee is reasonable but may be off-putting.

Read our full Capital One Venture Rewards Credit Card review.

Current Scores Past Scores (avg.)
Overall Score 81.9 83.0
Rewards Program Satisfaction 8.2 8.1
Customer Service 8.2 8.3
Website/App Usability 8.0 8.5
Likelihood of Continuing to Use 8.5 8.9
Recommend to a Friend/Colleague 8.1 8.4

*Scores above reflect the results of surveys with actual cardholders. Full methodology below.


About Our Ratings

Why We Like It: Thanks to no annual fee, no foreign transaction fees, and four points earned on your dining out (eligible takeout and delivery included) purchases, the U.S. Bank Altitude® Go Visa Signature® Card truly is a great option for any foodie with good credit. And the great rewards earning and perks don't end with your restaurant experiences...

  • Intro Offer: Earn 20,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening. That's a $200 value redeemable towards merchandise, gift cards, cash back, travel and more.
  • 4X points on dining, takeout, and restaurant delivery.
  • 2X points on streaming services. Plus, a $15 credit for annual streaming purchases like Netflix, Hulu, Spotify®, Apple Music, Disney+, HBO Max and more!
  • 2X points at grocery stores, grocery delivery, gas stations, and EV charging stations
  • 1X point on all other eligible purchases.
  • 0% Intro APR on purchases and balance transfers for the first 12 billing cycles. After that, a variable APR applies, currently 14.99% - 23.99%.
  • No Annual Fee
  • Points never expire
  • Terms and conditions apply.
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  • No annual fee and no foreign transaction fees mean you don't have to be worried about whether you're earning enough rewards to offset the fees.
  • You can save money with an intro 12 billing cycles 0% APR on purchases and balance transfers made within the first 60 days (after the intro period, there's an APR of 14.99% - 23.99%* Variable)
  • Cardholders receive a $15 credit annually for eligible streaming services purchases, such as those with Netflix or Spotify.


  • While it's possible to rack up a lot of points here, these aren't popular travel rewards currency (though, they are redeemable for travel). If you're looking for maximum travel rewards, stick to one of the more popular ones out there such as those offered by Chase and American Express.
  • The welcome bonus is just so-so. This card shines with its ongoing rewards opportunities, but doesn't knock it out of the park with the welcome offer.

Read our full U.S. Bank Altitude® Go Visa Signature® Card review.

Current Scores Past Scores
Overall Score 71.7 84.7
Rewards Program Satisfaction 7.1 8.4
Customer Service 7.5 8.6
Website/App Usability 7.4 8.5
Likelihood of Continuing to Use 7.2 8.9
Recommend to a Friend/Colleague 6.8 8.3

*Scores above reflect the results of surveys with actual cardholders. Full methodology below.


About Our Ratings

Why We Like It: Great cash-back rewards cards aren't necessarily known for great intro balance transfer offers, but this one is. Earn great rewards and save big on interest with an intro 18 months 0% APR on balance transfers (then, 13.99% – 23.99% (Variable)).

  • 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 13.99% - 23.99%, 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).
  • The standard variable APR for Citi Flex Plan is 13.99% - 23.99% based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
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  • An excellent cash-back rewards card with an excellent introductory balance transfer offer of 18 months no interest on balance transfers (then, 13.99% – 23.99% (Variable)). That's tough to beat.
  • A card that rewards you for paying off your card balance is a winning card in our book. That rewards structure should incentize you to keep paying your balance in full.
  • The simplicity with the rewards strucutre is excellent for the "set it and forget it" cardholder. Know that you can effectively earn 2% back each time you use your card (1% when you buy and another 1% when you pay for your purchase).


  • There's are foreign transaction fees to consider, so leave this behind when you head out for a trip abroad.
  • While the intro balance transfer offer is great, it's not a rewards bonus. This card falls short when it comes to a healthy (or any!) welcome bonus.

Read our full Citi® Double Cash Card - 18 month BT offer review.

Current Scores Past Scores (avg.)
Overall Score 82.2 88.2
Rewards Program Satisfaction 8.2 8.8
Customer Service 8.0 8.8
Website/App Usability 8.2 8.6
Likelihood of Continuing to Use 8.5 9.2
Recommend to a Friend/Colleague 8.3 8.8

*Scores above reflect the results of surveys with actual cardholders. Full methodology below.


About Our Ratings

Why We Like It: Another good option in the Chase Ink family, this no-annual-fee card offers users bonus cash back in select business categories as well as on gas and restaurant purchases, and the welcome bonus is pretty solid too, especially for a card with no annual fees. As an added bonus, new cardholders can enjoy 12 long months of intro 0% APR on new purchases (then 13.24% - 19.24% Variable).

  • Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
  • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
  • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring.
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
  • No Annual Fee
  • Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
  • 0% introductory APR for 12 months on purchases
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  • This card has a special app designed just for Ink cardholders, which means you'll get small business credit card tools, such as the ability to save receipts in the app and update employee spend limits.
  • Car rental insurance is one of the many perks with this card. If you pay for car rental with this credit card, and somebody sideswipes your car, or worse, steals it, the card offers primary coverage.
  • Purchase protection is another nice perk. So let's say you buy an item with your Ink card, and it's banged up or even stolen (maybe along with your rental car), you could be covered up to $10,000 per claim (up to $50,000 per account).


  • Not every business buys office supplies and spends a ton of internet-cable-phone services. If your business doesn't pay much for your communications, and you simply don't buy many printer cartridges, computer paper and so on, you may want to look at other business credit cards.
  • It's not the best business card for an international business trip, thanks to the 3% foreign transaction fee.

Read our full Ink Business Cash® Credit Card review.

Current Scores Past Scores (avg.)
Overall Score 76.0 80.1
Rewards Program Satisfaction 7.5 7.9
Customer Service 7.8 8.1
Website/App Usability 7.6 8.1
Likelihood of Continuing to Use 7.9 8.3
Recommend to a Friend/Colleague 7.4 8.0

*Scores above reflect the results of surveys with actual cardholders. Full methodology below.


Many credit card companies state "good/excellent" when advertising the status of credit needed to apply for a particular card; however, you'll sometimes see that just "excellent" is stated. We recommend that you do not apply for cards requiring "excellent credit" if you have not yet reached this status. Instead, focus only on those cards that stipulate "good," or "good/excellent" if your credit is on the upper end of "good." If you apply for multiple cards and are denied repeatedly, these credit card inquiries can end up lowering your credit score, so it's better to err on the side of caution when it comes to applying for a new credit card and only apply for cards that you know your credit score is acceptable. If you don't know your credit score, sign up for a free credit score, credit report card, as well as a personal credit analysis with our preferred partner, Credit Sesame.


Just about any credit card you want. Look, that's not a guarantee. Lenders have a lot of factors that they weigh before offering somebody a credit card. Still, if you have a 720 credit score, you've hit the mark where credit card issuers start really perking up. You can do better with your credit score. If you have 740-799, that's considered "very good," and if it's over 800, lenders will practically beg you to sign up for their credit cards.

Still, if you have a credit score of 720, lenders are going to be impressed. You should be able to get most, if not all, of the credit cards that advertise themselves as being for consumers with good/excellent credit.

So if your credit score is 720, you definitely consider applying to credit cards that offer robust rewards programs and big signup bonuses.

Remember, though, that you can have a high credit score, but still show little experience with credit cards, and that could be a red flag for some issuers when it comes to issuing their best cards. Your score is good, and that's a great start, but some banks will also want to see a history of using a credit card responsibly for at least a year before they'll approve you.


A lot of it just takes time for a credit score to improve from good to excellent - and during that time you can continue with the good habits that have given you a good credit score. But here are a few strategies that everybody should be following.

Pay everything on time. This seems obvious, but if you can help it, you don't want any slip ups.

Pay attention to your credit utilization ratio. That is, whatever available credit you have, try to always borrow no more than 30% of it. So if your available credit on your credit cards was $3,000, you don't want to carry a balance of over $900.

This is a really important strategy. Lenders like to see that you aren't anywhere near maxxing out on your credit cards. It can seem a little weird to the borrower. You're giving me all of this available credit, and I'm not allowed to use it? Well, you're allowed, of course, but the lenders see that as a sign that you're borrowing too much money and may eventually have trouble paying them back.

Don't be too quick to close accounts. Not that you have to keep every single credit card account open for the rest of your life, but that credit card you never use but with available credit can help your credit ratio utilization. Plus, lenders like to see old accounts because it shows a long history of borrowing (hopefully) responsibly. If you close the account, your credit history, which lenders base more on the time that an account is open than your actual chronological credit card timeline, becomes shorter.

That said, sometimes credit cards will close down the account after you go a interminable length of time without using it. If you have multiple cards and you close one (not your oldest one! Keep that one open to show length of credit history), your score may drop a bit, but will likely bounce back quickly as long as the rest of your behavior is responsible and you have additional credit cards to show on your report.

Survey Methodology: CardRatings commissioned Op4G in September and October 2021 to conduct surveys among 1,524 cardholders nationwide. CardRatings website analytics from Jan. 1, 2021-Aug. 31, 2021 were used to determine a selection of the most popular cards and additional cards were included to add survey breadth. Responses to each of nine questions were given on a scale of 1-10 and respondents' scores were then averaged under broad topics. To determine the overall score, responses from questions 1-8 were summed and the answer to "How likely are you to recommend this card to a friend, coworker or family member?" was double weighted. "Current Scores" reflect scores from the most recent survey; "Past Scores (avg.)" are the scores averaged over each prior year the card has been surveyed. "Past Scores" indicates a card has only been surveyed in one prior year.

Ranking Methodology: CardRatings experts review the fine print, details, perks, rewards and features of hundreds of cards and compare them side-by-side with similar cards. A card that makes an excellent balance transfer card may not make a great cash-back rewards card even though it offers those rewards. While the Best of the Year list is announced annually, that list – and all other “best of” lists on CardRatings – are regularly reviewed and updated as issuers change the terms and features of each card often.

To see the rates and fees for the cards featured in this post, please visit the following links: Blue Cash Preferred® Card from American Express (See Rates and Fees; terms apply)

Disclaimer: The information in this article is believed to be accurate as of the date it was written. Please keep in mind that credit card offers change frequently. Therefore, we cannot guarantee the accuracy of the information in this article. Reasonable efforts are made to maintain accurate information. See the online credit card application for full terms and conditions on offers and rewards. Please verify all terms and conditions of any credit card prior to applying.

This content is not provided by any company mentioned in this article. Any opinions, analyses, reviews or recommendations expressed here are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any such company. does not review every company or every offer available on the market.