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Best credit cards for good credit of February 2023

Updated February 02, 2023

Having good credit grants you access to a lot of exciting opportunities, including cash back and travel rewards at some of the highest rates available. The best credit cards for good credit also offer top-of-the-line features like sign-up bonuses, intro APR offers or other cost-saving benefits. To learn more, take a look at the cards available from our partners along with our advice on how to find and make the most of a credit card for good credit.

Image of Capital One SavorOne Cash Rewards Credit Card

BEST FOR DINING AND ENTERTAINMENT

Capital One SavorOne Cash Rewards Credit Card

Apply now Lock
On Capital One's secure site
Rating: 4.9 stars out of 5
4.9 Bankrate review
Info

Intro offer

$200
Info

Annual fee

$0

Regular APR

19.24% - 29.24% (Variable)

Recommended credit

Good to Excellent (670 – 850)
Info
Image of Discover it® Cash Back

Best for first-year rewards

Discover it® Cash Back

Apply now Lock
On Discover's secure site
Rating: 4.4 stars out of 5
4.4 Bankrate review
Info
See Rates & Fees

Intro offer

Cashback Match™
Info

Annual fee

$0

Regular APR

16.24% - 27.24% Variable APR

Recommended credit

Good to Excellent (670 – 850)
Info
Image of Blue Cash Everyday® Card from American Express

Best for groceries and online shopping

Blue Cash Everyday® Card from American Express

Apply now Lock
On American Express's secure site
Rating: 4.6 stars out of 5
4.6 Bankrate review
Info
See Rates & Fees , Terms Apply
See if you're pre‐approved for this card with CardMatch™

Intro offer

$200
Info

Annual fee

$0

Regular APR

18.49%-29.49% Variable

Recommended credit

Good to Excellent (670 – 850)
Info
Image of Capital One Venture Rewards Credit Card

Best for travel redemptions

Capital One Venture Rewards Credit Card

Apply now Lock
On Capital One's secure site
Rating: 4.9 stars out of 5
4.9 Bankrate review
Info

Intro offer

75,000 miles
Info

Annual fee

$95

Regular APR

20.24% - 28.24% (Variable)

Recommended credit

Good to Excellent (670 – 850)
Info
Image of My GM Rewards Card™

BEST FOR CAR ENTHUSIASTS

My GM Rewards Card™

Apply now Lock
On Goldman Sachs Bank USA's secure site
Rating: 3.9 stars out of 5
3.9 Bankrate review
Info
See Rates & Fees

Intro offer

15,000 points
Info

Annual fee

$0*

Regular APR

19.24% to 29.24% variable purchase APR based on creditworthiness. Rates as of 1/1/2023

Recommended credit

Good to Excellent (670 – 850)
Info
Image of Blue Cash Preferred® Card from American Express
Apply now Lock
On American Express's secure site
Rating: 4.4 stars out of 5
4.4 Bankrate review
Info
See Rates & Fees , Terms Apply
See if you're pre‐approved for this card with CardMatch™

Intro offer

$250
Info

Annual fee

$0 intro annual fee for the first year, then $95.

Regular APR

18.49%-29.49% Variable

Recommended credit

Good to Excellent (670 – 850)
Info
Image of Discover it® chrome

Best for gas stations and restaurants

Discover it® chrome

Apply now Lock
On Discover's secure site
Rating: 4 stars out of 5
4.0 Bankrate review
Info
See Rates & Fees

Intro offer

Cashback Match™
Info

Annual fee

$0

Regular APR

16.24% - 27.24% Variable APR

Recommended credit

Good to Excellent (670 – 850)
Info
Image of Upgrade Cash Rewards Visa®

Best for low interest and low cost

Upgrade Cash Rewards Visa®

Apply now Lock
On Upgrade's secure site
Rating: 3 stars out of 5
3.0 Bankrate review
Info
See Rates & Fees

Intro offer

N/A

Annual fee

$0

Regular APR

14.99% - 29.99% APR

Recommended credit

Fair to Good (580 – 740)
Info
Image of Credit One Bank® Platinum X5 Visa®
Credit Card Best Featured

Best for rewards on internet, TV and cellphone service

Credit One Bank® Platinum X5 Visa®

Apply now Lock
On Credit One Bank's secure site
Rating: 3.8 stars out of 5
3.8 Bankrate review
Info
See Rates & Fees

Intro offer

N/A

Annual fee

$95

Regular APR

28.24% Variable

Recommended credit

Fair to Good (580 – 740)
Info

Compare Bankrate’s top credit cards for good credit

Card Name Best for Bankrate Review Score
Capital One SavorOne Cash Rewards Credit Card Dining and entertainment 4.9 / 5
(Read full card review)
Discover it Cash Back First-year rewards 4.4 / 5
(Read full card review)
Blue Cash Everyday Card from American Express Groceries and online shopping 4.7 / 5
(Read full card review)
Capital One Venture Rewards Credit Card Travel redemptions 4.9 / 5
(Read full card review)
My GM Rewards Card Car enthusiasts 3.9 / 5
(Read full card review)
Blue Cash Preferred Card from American Express Groceries 4.4 / 5
(Read full card review)
Discover it chrome Gas stations and restaurants 4.0 / 5
(Read full card review)
Upgrade Cash Rewards Visa® Low interest and low cost 3.0 / 5
(Read full card review)
Credit One Bank Platinum X5 Visa Rewards on internet, TV and cellphone service 3.8 / 5
(Read full card review)

A closer look at the top credit cards for good credit

Capital One SavorOne Cash Rewards Credit Card: Best for dining and entertainment

  • What we love about the Capital One SavorOne: The stellar rewards rate you get for booking entertainment through Capital One Entertainment plus the lucrative and unlimited rewards you earn on dining, streaming and grocery store purchases. Its lack of a spending cap makes your earning potential significant.
  • Who this card is good for: Foodies and social butterflies alike who will revel in the rewards on key purchases like entertainment and dining.
  • Alternatives: The dining and entertainment rates are hard to beat on this card, but there’s something to be desired in terms of travel rewards. If you’re after low-cost travel benefits, the Chase Freedom Unlimited® has no annual fee and richly rewards travel while keeping up with some dining perks, too.

Read our full Capital One SavorOne Cash Rewards Credit Card review.
Jump back to offer details.

Discover it Cash Back: Best for first year rewards

  • What we love about the Discover it Cash Back: Along with its high cash back potential in quarterly rotating categories, this card’s Cashback Match™ offer comes with unlimited earning potential for the first year since Discover will automatically match all the cash back you’ve earned at the end of your first year.
  • Who this card is good for: Strategic spenders who cast a wide net of purchases and who won’t mind tracking and enrolling in quarterly spend categories.
  • Alternatives: Rotating categories and spending caps could become tiresome, so an option that offers flat rewards like the Upgrade Visa® Card with Cash Rewards can take out some of the guesswork.

Read our full Discover it Cash Back review.
Jump back to offer details.

Blue Cash Everyday Card from American Express: Best for groceries and online shopping

  • What we love about the Blue Cash Everyday: Along with its impressive rewards at U.S. supermarkets, it offers a generous 3 percent cash back rate on U.S. online retail purchases (on up to $6,000 in spending per year, then 1 percent) — a hard-to-find bonus category that gives this card extra versatility.
  • Who this card is good for: Frugal family shoppers who may not want to pay an annual fee to get good reward rates on supermarket purchases and gas, but still want to reap the rewards for spending in those categories.
  • Alternatives: The Blue Cash Preferred Card from American Express is the Blue Cash Everyday’s sister card with some key differences — it doubles your rewards rate (6 percent cash back) on U.S. supermarket purchases (up to $6,000 in purchases per year, then 1 percent), but the tradeoff is an added $95 annual fee ($0 intro annual fee for the first year).

Read our full Blue Cash Everyday Card from American Express review.
Jump back to offer details.

Capital One Venture Rewards Credit Card: Best for travel redemptions

  • What we love about the Capital One Venture Rewards: The unlimited base rewards rate is generous and makes it very easy to rake in miles for travel with everyday purchases.
  • Who this card is good for: Infrequent travelers who want to stock up on miles for trips, but do most of their spending on everyday purchases.
  • Alternatives: The Capital One VentureOne Rewards Credit Card is the no-annual-fee sister card to the Capital One Venture Rewards. The VentureOne is the lower cost alternative, but the base rewards also take a value deduction in exchange for dropping the annual fee.

Read our full Capital One Venture Rewards Credit Card review.
Jump back to offer details.

My GM Rewards Card: Best for car enthusiasts

  • What we love about the My GM Rewards Card: Its dedicated value around GM products and the lack of an annual fee for such lucrative rates.
  • Who this card is good for: GM consumers who want the most bang for their buck on GM-related purchases.
  • AlternativesThis card is highly specialized and geared directly toward GM consumers. If you want a card that’s still pretty lucrative in terms of vehicle-related purchases like gas, the Sam's Club® Mastercard® offers a competitive 5 percent cash back on gas purchases anywhere (up to $6,000 per year, then 1 percent). Just keep in mind it requires a Sam’s Club membership.

Read our full My GM Rewards Card review.
Jump back to offer details.

Blue Cash Preferred Card from American Express: Best for groceries

  • What we love about the Blue Cash Preferred: Its 6 percent cash back on U.S. supermarket purchases (on up to $6,000 in spending per year, then 1 percent) is the best grocery rewards rate on the market. If you spend a lot on groceries, you should definitely consider this card if you’re trying to maximize your cash back.
  • Who this card is good for: Someone who wants the best reward rate available on supermarket purchases and doesn’t mind paying an annual fee.
  • Alternatives:  If you spend modestly at grocery stores and don’t want to worry about earning enough cash back to offset an annual fee, you’ll still find a lot of value in the Bank of America® Customized Cash Rewards credit card. It charges no annual fee and earns 2 percent back at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases, then 1 percent).

Read our full Blue Cash Preferred Card from American Express review.
Jump back to offer details.

Discover it chrome: Best for gas stations and restaurants

  • What we love about the Discover it chrome: Discover’s lucrative cash back match program and the generous rewards on gas and restaurant purchases.
  • Who this card is good for: Roadtrippers and people who love a good restaurant meal, since these spending categories are rewarded the highest.
  • Alternatives: For even more bang for your buck, especially in dining, the Capital One SavorOne Cash Rewards Credit Card is one of the best options on the market.

Read our full Discover it chrome review.
Jump back to offer details.

Upgrade Cash Rewards Visa®: Best for low interest and low cost

  • What we love about the Upgrade Visa: The unlimited base rewards rate on all purchases every time you make a payment is plenty of incentive to stay on top of your credit card bill.
  • Who this card is good for: Cardholders looking for that extra nudge needed as a reminder to pay their bill. You won’t receive your rewards earnings until you pay, so if you miss payments regularly, this card provides a reasonable incentive.
  • Alternatives: The Wells Fargo Active Cash® Card is one of the top flat-rate cash rewards cards available, offering unlimited 2 percent cash rewards on purchases.

Read our full Upgrade Cash Rewards Visa review.
Jump back to offer details.

Credit One Bank Platinum X5 Visa: Best for rewards on internet, TV and cellphone service

  • What we love about the Credit One Bank X5 Visa: Few cards available to people with fair credit offer such a wide variety of practical rewards categories, including gas, groceries, and mobile phone, internet, cable and satellite TV services.
  • Who this card is good for: Homemakers who want to reap the rewards of paying their internet, cell phone, cable, gas and grocery bills with their credit card.
  • Alternatives: Though the reward categories on this card are interesting, the ways you earn and redeem can get a bit complicated and there’s spending caps. The Capital One Venture Rewards card could cover all your tech purchases under the unlimited 2X miles reward tier, and those rewards go straight towards booking your next trip.

Read our full Credit One Bank Platinum X5 Visa review.
Jump back to offer details.


What does good credit mean?

A FICO Score between 670 and 739 generally qualifies as a “good” score. The “good” credit range for VantageScore is 661 to 780.

When you have good credit, you’ll have an easier time borrowing money. Lenders use credit scores and information found in your credit report to determine eligibility for financial products. If your credit history shows that you consistently pay your bills on time and don’t carry too much debt, you’re considered a low-risk debtor and are eligible for loans with better interest rates compared to someone who falls below the good credit range.

On top of qualifying for some of the best credit cards and loans, your responsible use of credit pays off in a number of other ways. You’ll have an easier time renting an apartment and you could also qualify for cheaper auto and homeowners insurance, depending on your location, compared to people with bad credit.

Pros and cons of credit cards for good credit

Pros

  • Checkmark

    Easier access to more types of credit cards: With better credit comes better credit card options you can feasibly be approved for. Some of the market’s best rewards cards, travel cards, cash back cards and more are often within reach with a good credit score.

  • Checkmark

    Rewards potential: As your credit score rises, so does the potential to earn higher rewards rates on a variety of spending categories. A higher score signals to lenders that you’re a responsible credit user. With this score, you could have access to cards with better rewards rates overall.

  • Checkmark

    Better perks and benefits: Along with higher rewards rates comes better benefit offerings and added perks with a credit card for good credit. You may get access to better insurance coverages, extra statement credit opportunities and more flexibility with your card’s potential outside of simple rewards earning.

Cons

  • Higher barrier of entry: Per the definition, you will need a good or excellent credit score for the best odds of being approved for credit cards for good credit. This score recommendation may push these cards out of reach for people who have no previous credit history or made credit mistakes in the past. Though these cards could be out of reach at the moment, there’s always the opportunity to raise your score into the recommended range over time.

  • Potential annual fees: Better rates and benefits can come at a higher price, meaning that some credit cards for good credit will have annual fees in exchange for these improvements. As your score continues to increase, you’ll have access to cards with some of the most premium benefits, but they most often will come at a premium price.

Who should get a credit card for good credit?

As your score inches into the good credit range, the breadth of credit card options in your reach expands. Some credit cards for good credit may be better than others, depending on the person, so here are a few types of consumers who would benefit most from these types of credit cards.

Still unsure if a credit card for good credit is right for you? Check out our Credit Card Spender Type Tool where you can get personalized credit card recommendations based on your credit score, spending habits and daily needs.

How to maintain a good credit score

Since good credit is so important, there are steps you should take to make sure it’s there when you need it. Here are some best practices to follow to keep your score moving in the right direction.

  1. Pay your bills on time. Your payment history is the most important part of your credit report. Late payments lead to negative marks that can stay on your report for up to seven years. That’s why paying your credit card bill on time is key to maintaining good credit.
  2. Keep your debt to a minimum. Paying your credit card bill in full is the best way to ensure a low credit utilization ratio, which shows how much credit card debt you carry. But if you do have to carry a balance, making sure to keep your credit utilization well below 30 percent can go a long way to protecting your credit score.
  3. Check your credit report. Make sure you know what lenders will see when they look at your credit report. If there’s an error, it could lead to you being denied approval for a new credit card or loan. Check your credit report at least once a year, though checking it more often could come in handy in case you need time to dispute an error.
  4. Let an older card age gracefully. Think twice before closing an old credit card account. An account held for a long period of time lengthens your credit history and shows you’re an experienced credit user.

In the news: Can you avoid Fed interest spikes with good credit?

The Federal Reserve increased interest rates for the seventh time in its December 2022 meeting, potentially sparking a jump in credit card APRs. Having good credit doesn’t make you immune to these rising rates, so it’s important to be strategic with your credit cards to minimize the impact these higher rates have on your finances.

If you can, avoid carrying balances or consider a card with an introductory APR on balance transfers or purchases. Several cards available for people with good credit come with an intro APR offer, including the Discover it Cash Back, Blue Cash Everyday, Capital One SavorOne and Discover it Chrome. Intro offers often let you make interest-free payments for more than a year, giving you a lengthy cushion to pay down an existing balance or manage new purchases while shielded from elevated interest rates.

While your credit score mostly determines which rate you’ll qualify for, some issuers offer lower rates than others and having good credit gives you more flexibility to choose among them. You may not see rates as low as those available to people with excellent credit, but having good credit still gives you plenty of terrific options.


Have more questions for our credit cards editors? Feel free to send us an email, find us on Facebook, or Tweet us @Bankrate.

How we chose the best credit cards for good credit

Bankrate uses a 5-star scoring system to evaluate today's top credit cards. To choose the best cards in this category, we paid particular attention to features and benefits for people with good credit scores, including:
  • Checkmark
    Rewards programs
    The best cards for cash back, miles or points offer competitive rewards rates, useful spending categories and easy-to-understand redemption policies.
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    APR
    APR (annual percentage rate) represents the interest charges you pay if you carry a balance. Top credit cards offer affordable APRs, especially for those who have good or excellent credit scores.
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    Sign-up bonuses
    Also known as welcome offers, sign-up bonuses give you the opportunity to earn cash back, points, statement credits and other types of rewards for meeting a spending requirement within a specified time. Bonuses with a good ratio of spending-to-value get high marks.
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    Annual fee
    For each card that charges an annual fee, we ask the same question as you — is it worth it? We measure the annual fee against each card's features and benefits to estimate the overall value.

Frequently asked questions about credit cards for good credit scores