Editorial disclosure: All reviews are prepared by Bankrate.com staff. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. The information, including card rates and fees, presented in the review is accurate as of the date of the review. Check the data at the top of this page and the bank’s website for the most current information.

Author: Robin Saks Frankel, @robinsaks | Last Updated: September 6, 2018

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How we chose our favorite credit cards for good credit

If you have a credit score in the range of 670-739, your good credit means you have access to a ton of fantastic credit cards. At Bankrate, our credit card pro’s have studied almost 1,500 credit cards for people with good credit and measured them using our expert grading methodology to generate a Bankrate score out of 100.

Review criteria

Bankrate’s analysis measures features including, but not limited to, APR rates, annual fee, sign-up bonuses, rewards value, rewards redemption, rates and fees, travel perks, and discounts. With a good credit score, you have many great credit cards to choose from. We have focused on attributes we think are most important during our analysis of credit cards for good credit, such as rewards value, sign-up bonuses, annual fees, and extras and discounts.

  • Rewards – Our experts know that rewards can get confusing, figuring out miles, points, and cash back value can be time-consuming. We’ve done the hard work for you by reviewing the real value of the rewards, how easily they are redeemed, and how best to maximize them. For good credit score credit cards, there are cards for every kind of spender offering generous rewards programs.
  • Sign-up bonuses – Bonuses and added perks can create a great deal of value for a credit card. Those with good credit are in-demand credit card customers and can take advantage of generous sign-up incentives. Extra rewards if you spend a certain amount within a given time period, waiving of fees, and 0% introductory APR offers can make a credit card a “must have” addition to your wallet.
  • Annual fee – Many cards charge a fee to cardholders each year and we factor this cost into our analysis. We also determine when the card’s rewards make the cost worth it and tell you how much you would need to use your card to cover the fee.
  • Extras and discounts – Some cards offer extra benefits to cardholders. Things like social security monitoring, free access to your credit score, and travel perks are all valuable tools and we include these benefits in our Bankrate score.

Editor’s take: Bankrate’s Favorite Credit Cards for Good Credit

Capital One® VentureOne® Rewards Credit Card

If you want to earn travel rewards without paying an annual fee, this card lets you earn them at a rate of 1.25 miles for every $1 spent. Although its big brother card, the Capital One Venture, pays 2 miles for every $1, it also comes with a $95 annual fee. You’d have to spend $6,350 annually to earn enough miles to offset the cost of ownership on that card.


  • Flexible rewards can be redeemed for any purchase of flights, hotels, or rental cars, and that includes online and discount travel agencies.
  • There’s an introductory 0% APR offer on purchases for 12 months; after that the variable APR 13.74%-23.74%
  • This card comes with travel protections and insurances.

The Amex EveryDay® Credit Card from American Express

This card begs to be top-of-wallet with a frequent user bonus: In any billing period you use the card 20 or more times, you’ll also get a 20 percent bonus on points earned, minus any returns or credits. For anyone who prefers a card over carrying cash, this is a great offer.


  • Eligible travel purchases made through AmexTravel.com like prepaid hotel stays, cruises and vacation packages can earn 2 Membership Rewards points per $1 spent.
  • It’s one of the only cards on the market with an introductory 0% APR offer on purchases and balance transfers for 15 months (then 14.74% – 25.74% variable) that doesn’t charge a balance transfer fee on transfers made within 60 days of opening the account.
  • The card comes with American Express travel protections including roadside assistance and auto protections and insurances.

Capital One® Savor® Cash Rewards Credit Card

This card gives foodies a big bang for their buck. If you frequently dine out and spend heavily on entertainment and groceries then the Capital One Savor Cash Rewards Credit Card could be for you. This card offers an unlimited 4% back on dining and entertainment, 2% at grocery stores and 1% on everything else. Better still, Capital One has an introductory offer of $500 cash back when you spend $3,000 within the first 3 months of opening the card, this is a very competitive bonus rewards perk. Though this card charges a $95 annual fee (waived for the first year), food lovers could really maximize their cash back returns with this offer.


  • 4% on dining and entertainment, 2% at the grocery store, 1% back on all other purchases.
  • Capital One offers $500 sign-up bonus when you spend $3,000 in the first three months of opening the card.
  • Access to premium dining and entertainment experiences.

Chase Freedom®

If you get a thrill out of juicing maximum rewards from your credit card, you’re probably going to like the Chase Freedom card. Earn 5 percent cash back in bonus categories that rotate every three months, up to a quarterly maximum of $1,500. All other spending will earn you 1 percent cash back, and once you reach the cap in the bonus categories, your spending there will drop to 1 percent too. The best value in owning this card comes from pairing it with another flat-rate cash back card that has a rewards rate higher than the 1 percent of this one. A word of caution here — if you’re trying to bump up your credit score from good to excellent, make sure you’re highly organized when using a card like the Chase Freedom.


  • This card has no annual fee.
  • There’s a 15-month 0% APR offer on purchases and balance transfers (then 16.74% – 25.49% variable).
  • You can redeem your points for a statement credit, deposit to your eligible Chase bank account or transfer them to a qualifying Chase rewards card.

What does good credit mean?

When it comes to your credit score, you want to aim high. When you have a credit score between 670 and 739, you’ll qualify for good rates on mortgages, credit cards, auto loans and most other types of loans. This can save you money on interest charges over the life of your loan.

You may not get the absolute lowest rates as those usually require excellent credit to qualify, but if you’re among the 21 percent of people who fall in the “good” range for credit, you’re still going to fare better than someone with poor credit.

When people refer to a three digit number to describe your credit score, they’re usually referring to your FICO score (short for the Fair Isaac Corporation), which uses predictive analysis based on your individual financial history to measure your overall creditworthiness. Your score is based on your information culled from one or more of the three big credit reporting agencies — Equifax, Experian, and TransUnion.

Potential lenders use this information to determine what kind of interest rates you qualify for. If your financial history shows that you always pay your bills in full and on time, you’re considered less of a risk and you’ll get the best rates available.

According to data from credit reporting agency Experian, 21% of people have a FICO score of that falls in the “good” range of 670 to 739.

There’s also a competing score that’s used, called a VantageScore. This is a scoring model lenders also use that was created by the three major credit bureaus—Experian, Equifax, and TransUnion. For this scoring system, a score between 700 and 749 is considered good and about 12 percent of people fall into this category.

The difference between good credit and fair credit

The span of a few points can make a big difference in what you’re offered by lenders. If you have a FICO score of 702 for example, you’d qualify as someone with an excellent credit score. But, miss a credit card payment and your score drops a few points, putting you at 698 which means you’ll fall from “Good” to “Fair” and the rates you’re offered will be more expensive for you.

For example, say you’re applying for a credit card with an annual APR range of 13% to 21%. If your credit score is good, you might be offered an APR of 15%. But if your credit score is fair, you might be offered an APR of 19%. On a $10,000 balance, a 15% APR could mean $1,500 in interest charges over the course of a year. But if you’re paying 18% APR, that means you’re paying $1,800 extra on that balance in one year.

Paying a higher rate on long-term loans like a mortgage, student loans or car loans can mean the difference of thousands of dollars over time.

Things to consider before you apply

Every time you apply for a new credit card, it can ding your score. That’s because when assessing creditworthiness and determining what terms to offer an applicant, an issuer will request a copy of the person’s credit history from one or more of the three major credit bureaus. Too many inquiries can drag down your overall score so it helps to know where you stand before you apply so you don’t inadvertently drop down from a good score range into fair. Check your credit score for free before applying for a new card or any other type of loan.

How to get a good credit score

If you have fair credit or worse, it may make sense to work on improving your overall credit score first, to try to qualify for more favorable rates. Here are some tips for improving your score:

  1. Check your credit report. Be sure to obtain a copy of your report and scan it carefully for any errors or inaccuracies.
  2. Always pay your bills on time. Even if you can’t pay off the entire credit card bill, any late or missed payments will hurt your score.
  3. Don’t carry a balance above 30% of your card’s limit. In general, using up more than 30% of your available credit can adversely affect your score.
  4. Consider keeping an old credit card. Typically the longer you’ve had a card, the better for your score as long as there are no delinquencies on that account. Even if you don’t use it, if there little to no cost of ownership, it’s likely worth keeping.
  5. Mind your other balances. In addition to your credit card payments, your financial behavior with any other loans also plays a part. If you miss a mortgage payment, that will hurt your credit score just as much as a missed credit card payment.

* See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.