Best credit cards for good credit of April 2025
Having a good credit score can open up a world of advantageous credit card possibilities. You’ll find the best credit cards for good credit often offer significant perks, including substantial welcome offers, high reward rates, and extended 0% APR periods. If you’re looking for credit cards for good credit, you can choose from a wide variety of personal and small business cards designed to maximize your financial advantages. Don’t let your good credit go to waste!
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CardRatings’ top picks for the best credit cards for good credit
If you’ve cultivated a healthy credit score, you’re in a great position to access competitive credit card offerings. To help you navigate the options, we’ve compiled a list of the top picks for the best credit cards for good credit. These cards stand out for their exceptional rewards, valuable perks, and favorable terms, designed to maximize your financial benefits. Whether you’re seeking generous cash back, flexible travel rewards, or extended 0% APR periods, our selections cater to a variety of needs and spending styles. Explore our recommendations and discover the perfect card to complement your financial journey!
Why we like it
Since Chase points can be redeemed through Chase travel portal or transferred directly at a 1:1 ratio to a number of airline and hotel loyalty programs, this card offers 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 through Chase Travel℠, you can get 25% more value, adding more bang to your redemption buck.
Since Chase points can be redeemed through Chase travel portal or transferred directly at a 1:1 ratio to a number of airline and hotel loyalty programs, this card offers 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 through Chase Travel℠, you can get 25% more value, adding more bang to your redemption buck.
- Travelers are sure to love the welcome bonus offered with this card. When redeemed for travel through the Chase Travel portal, it's quite valuable!
- Receive a $50 hotel credit annually for a stay booked through Chase Travel.
- 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.
- If your expenses are all over the place, this might not be the card for you as its bonus rewards categories are largely related to travel.
- This card charges a AnnualFees annual fee.
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.
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.
- 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.
- This card includes some nice perks, including car rental insurance, roadside assistance and extended warranty.
- Your cash back accumulates as points, which means you can combine rewards from this no-annual fee card with a Chase premium card to maximize your earnings and value.
- Traveling internationally or shopping in foreign currency? It may be best to leave this card behind as 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.
Why we like it
This card provides significant cash back rewards on essential purchases, allowing you to earn back a notable portion of your spending at U.S. supermarkets and U.S. gas stations, as well as on other everyday categories. It's a great way to see your routine shopping translate into tangible rewards. American Express is a CardRatings advertiser.
This card provides significant cash back rewards on essential purchases, allowing you to earn back a notable portion of your spending at U.S. supermarkets and U.S. gas stations, as well as on other everyday categories. It's a great way to see your routine shopping translate into tangible rewards. American Express is a CardRatings advertiser.
- This card is an excellent choice for those who frequently shop for groceries, as it offers substantial cash back rewards on U.S. supermarket purchases, allowing you to recoup a significant portion of your spending.
- This card offers bonus rewards on select U.S. streaming services, and also provides opportunities to save on streaming subscriptions. By enrolling your card and making qualifying monthly purchases on an auto-renewing Disney Bundle subscription, you can receive monthly statement credits, helping to offset the cost of your entertainment.
- There is a nice introductory offer of 0% APR on purchases and balance transfers for the first intro_apr_duration after card activation. After that, the rate is RegAPR, 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 foreign_transaction_fee. This is better than the cost of many cards charging this fee, that said, a lot of credit cards have no foreign transaction fee at all.
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. Citi is a CardRatings advertiser.
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. Citi is a CardRatings advertiser.
- 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 can save money if you travel abroad.
- Keep in mind the annual fee; the $100 hotel credit would more than offset that, though, if you're able to take advantage.
- 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.
Why we like it
This card offers a compelling combination of initial and ongoing rewards. Beyond the attractive introductory offer, cardholders benefit from a consistently high rate of mileage accrual on purchases. These rewards can then be applied towards a wide range of travel expenses, including flights, hotel stays, car rentals, and cruises. Additionally, you have the option to transfer your miles to several travel loyalty programs, providing enhanced flexibility for your travel plans.
This card offers a compelling combination of initial and ongoing rewards. Beyond the attractive introductory offer, cardholders benefit from a consistently high rate of mileage accrual on purchases. These rewards can then be applied towards a wide range of travel expenses, including flights, hotel stays, car rentals, and cruises. Additionally, you have the option to transfer your miles to several travel loyalty programs, providing enhanced flexibility for your travel plans.
- This card is a good one to travel internationally with as it doesn't charge foreign transaction fees.
- The welcome bonus is quite generous for a card with such an affordable annual fee.
- This card offers an application fee refund of up to $120 for your Global Entry or TSA PreCheck application, a perk normally reserved for credit cards with much higher annual fees.
- You may find the list of airlines that the card partners with lacking.
- The annual fee is reasonable but may be off-putting for someone who doesn't regularly travel.
Why we like it
This card is a great option whether you are heading out or staying in as it offers rewards on both dining and take out purchases, and entertainment purchases, too.
This card is a great option whether you are heading out or staying in as it offers rewards on both dining and take out purchases, and entertainment purchases, too.
- This card makes date night a lot more exciting with bonus cash back earned on dining AND entertainment purchases.
- Enjoy rewards even when you decide to cook thanks to bonus rewards earned on grocery purchases, too.
- This card offers intro 0% APR on purchases and balance transfers for the first intro_apr_duration of membership (balance transfer fee applies). This is a great perk, but just be aware that once this introductory period expires, regular RegAPR APR will apply.
- Outside of dining, groceries, streaming and entertainment, this card only rewards 1% cash back. If you spend heavily in other categories, you might want to consider a card with more bonus options.
Why we like it
This is a great choice for those who enjoy maximizing their earnings across various spending categories. The rotating bonus categories keep things interesting, allowing you to earn extra cash back on everyday purchases that change throughout the year. Plus, it's a solid option for anyone looking for a no-fuss cash back card with a user-friendly experience.
This is a great choice for those who enjoy maximizing their earnings across various spending categories. The rotating bonus categories keep things interesting, allowing you to earn extra cash back on everyday purchases that change throughout the year. Plus, it's a solid option for anyone looking for a no-fuss cash back card with a user-friendly experience.
- Offers a dynamic rewards structure with rotating bonus categories, allowing for maximized cash back on everyday spending.
- The unique match welcome bonus offer is a great way for new cardholders to pocket extra cash back once hitting their account anniversary.
- This is a great option for those seeking a no-annual-fee cash back card with versatile earning potential.
- The rotating bonus categories require active enrollment each quarter to earn the highest rewards rate.
- Rewards earning potential can vary significantly depending on the specific bonus categories offered each quarter. If you consistently make purchases in the same categories all year long, you might not benefit as much from this card.
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 intro 0% APR for balance_transfer_duration_months (then, RegAPR).
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 intro 0% APR for balance_transfer_duration_months (then, RegAPR).
- An excellent cash-back rewards card with an excellent introductory balance transfer offer. 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 incentivize you to keep paying your balance in full.
- The simplicity with the rewards structure 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 are foreign transaction fees to consider, so you might want to leave this card behind when you head out for a trip abroad.
- While the intro balance transfer offer is great, it does come with a balance transfer fee. Make sure you take that into account as you make your transfer decisions.
Why we like it
A strong option within the Chase Ink business card lineup, this card features no annual fee and provides bonus cash back in certain business-related categories, alongside rewards for gas and restaurant purchases. Furthermore, new cardholders can take advantage of a substantial welcome offer and benefit from an intro APR offer..
A strong option within the Chase Ink business card lineup, this card features no annual fee and provides bonus cash back in certain business-related categories, alongside rewards for gas and restaurant purchases. Furthermore, new cardholders can take advantage of a substantial welcome offer and benefit from an intro APR offer..
- 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 foreign transaction fees charged on foreign transactions.
Compare the best credit cards for good credit by perks and features
Want to see how our picks for the best credit cards for good credit stack up against each other? Our comparison tool makes it easy to compare up to threetwo cards at a time. Simply select the cards you’re interested in and we’ll automatically display their key perks and features side-by-side. With a quick glance, you can easily identify the card that best suits your needs and preferences.
Select up to 23 cards to compare side-by-side:
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Compare the best credit cards for good credit by user ratings
By analyzing real-world user experiences, we have developed a robust rating system that reflects the performance and value of various credit cards based on consumer insights. This chart allows you to easily compare these ratings side-by-side, enabling informed decision-making based on the feedback of actual cardholders.
How did each of our winning cards rate according to you?
CardRatings commissioned Slice MR in November 2024 to survey 1,666 cardholders nationwide. Responses were given on a scale of 1-10 and respondents’ ratings were then averaged under broad topics.
How did each of our winning cards rate according to you?
CardRatings commissioned Slice MR in November 2024 to survey 1,666 cardholders nationwide. Responses were given on a scale of 1-10 and respondents’ ratings were then averaged under broad topics.
COST EFFECTIVENESS
REWARDS SATISFACTION
CUSTOMER SERVICE
WEBSITE/APP USABILITY
LIKELIHOOD OF CONTINUING TO USE
RECOMMEND TO A FRIEND/COLLEAGUE
Survey results by card
Select a card below to see the results for each card.
Survey methodology: CardRatings commissioned Slice MR in November 2024 to survey 1,666 cardholders nationwide. CardRatings’ website analytics from Jan. 1, 2024-Oct. 31, 2024 were used to determine a selection of the most popular cards. Responses to 10 questions were given on a scale of 1-10. For nine of these questions, respondents’ scores were averaged under broad topics. The overall rating represents an average of respondents’ responses to their overall rating of each card. “Cardholder favorite” cards are those scored in the top 10 overall.
Ask CardRatings’ experts
What advice can you offer to someone with good credit who is working towards excellent credit?
If you have good credit but you're hoping to get your FICO score over 750 or 800, paying down revolving balances to get your credit utilization ratio below 10% of your available credit can help a lot. You can also move from good to great credit when you have more types of credit on your credit reports, including a mortgage, auto loan or student loans.
I find that going from good to excellent credit takes effort. You want to pay balances in full monthly, but you also want to keep balances low to optimize your utilization ratio. Don't overlook keeping an old card open, as credit history makes up a key part of a credit score.
Continue to make all your credit card payments in full and on time. Be mindful of your credit utilization and try to keep it as low as possible and make sure you have a mix of credit types, both revolving and installment loans.
What are some of the best perks of credit cards for good credit?
While the best perks come from credit cards for excellent credit, credit cards for good credit can still be rewarding. I've personally found that many cards for good credit come with exceptional rewards rates, flexible redemptions for rewards and consumer benefits like purchase protection and extended warranties.
I find that cash-back rewards really stick out with credit cards for good credit. On my journey in improving my credit, these cards gave the ability to get cash back and, sometimes, other rewards. Rewards may not be as robust as with cards for excellent credit, but they're still valuable.
Credit cards for good credit are likely to have more favorable interest rates and offer better rewards and card benefits than cards designed for those with just fair or worse credit.
Our CardFinder tool is also a great way to find the right card for you!
Tired of searching for the right credit card? CardFinder makes it quick and easy. Simply tell us your preferences and we’ll do the heavy lifting. Our three-step process saves you time and effort, so you can spend less time searching and more time enjoying the rewards. Get started today!
Frequently asked questions about credit cards for good credit
Who should apply for a credit card for good credit?
If you have a solid credit history, you're likely in the 'good credit' range, which opens doors to many rewarding credit cards. However, some cards specify 'excellent credit,' and it's crucial to understand the difference. To avoid unnecessary rejections and potential credit score dips from multiple inquiries, stick to cards explicitly advertised for 'good' or 'good/excellent' credit. If your credit is nearing the 'excellent' threshold, you might consider those 'good/excellent' options. But if you're unsure of your credit score, don't guess! Knowing your score is key. We highly recommend checking your credit score and report – free services can provide a clear picture of your credit health and help you make informed decisions about which cards are right for you.
Which credit cards can I get with a 720 score?
A 720 credit score generally qualifies you for a wide range of credit cards, including many with attractive rewards and sign-up bonuses. While it's not a guaranteed approval, a 720 score is considered very good and signals to lenders that you're a responsible borrower. You'll likely be eligible for most cards advertised for 'good' or 'good/excellent' credit.
However, remember that credit scores are just one factor lenders consider. Your credit history, including the length of time you've managed credit responsibly, also plays a significant role. Even with a strong score, a limited credit history might impact your approval for the most premium cards. If you're new to credit, consider starting with a card designed for building credit, and then explore more rewarding options as your history grows.
How to improve my credit score from good to excellent?
Transitioning from a 'good' to 'excellent' credit score demands consistent, responsible credit management over time, though some strategies can accelerate your progress. Primarily, maintaining a flawless payment history is crucial; consistently paying all bills on time, every time, avoids the setbacks caused by even a single late payment. Secondly, optimize your credit utilization by keeping it below 30% of your available credit, as lenders view lower utilization as a sign of responsible borrowing. Preserve older credit card accounts, even if rarely used, as a longer credit history demonstrates stability. However, be mindful that inactivity can lead to account closure by the issuer. When closing accounts, avoid closing your oldest one, as it directly impacts your credit history length. While closing newer accounts may cause a temporary dip, your score should recover with continued responsible behavior. By consistently applying these principles, you'll strengthen your credit profile and pave the way for an 'excellent' credit score.
What is a good credit card?
A good credit card is one that aligns with your individual financial needs and spending habits. It should offer benefits that are genuinely valuable to you, whether that's cash back, travel rewards, or a low interest rate. A good credit card also encourages responsible financial behavior, with clear terms and conditions and minimal fees. Ideally, it helps you build or maintain a strong credit score, providing tools and resources to track your progress. Ultimately, the best credit card is one that empowers you to manage your finances effectively and achieve your financial goals.
What is a good credit card interest rate?
A "good" credit card interest rate is relative and depends on several factors, including your creditworthiness and prevailing market conditions. Generally, a good rate is one that minimizes the cost of carrying a balance, should you need to. In today's market, this often means aiming for a rate below the average credit card interest rate. However, the best scenario is to avoid carrying a balance altogether, as this eliminates interest charges entirely. A good rate is also one that aligns with your financial goals and spending habits. If you consistently pay your balance in full, the interest rate becomes less of a concern. Ultimately, a good rate is one that allows you to manage your credit responsibly and minimizes the overall cost of borrowing.
How do I determine if I have a good credit score?
Determining if you have a good credit score involves understanding the typical credit score ranges and checking your own score. Generally, a "good" credit score falls within the range of 670 to 739 on the FICO scale, which is the most commonly used scoring model. However, simply knowing the range isn't enough; you need to know your specific score. You can obtain your credit score through several avenues: by requesting it from your credit card issuer, through free credit monitoring services, or from one of the major credit bureaus (Experian, Equifax, or TransUnion). Many free credit monitoring services, and some credit card issuers, provide your score regularly. Once you have your score, compare it to the standard ranges to see where you stand. Remember, a good score indicates responsible credit management and opens doors to more favorable financial products.
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Rating 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.
For rates and fees for American Express cards mentioned in this post, please see the following links: card_name (See Rates and Fees);
For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.
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. CardRatings.com does not review every company or every offer available on the market.
