Best for gas & groceries

Blue Cash Everyday® Card from American Express

Apply Now On American Express's secure website
Top Features
  • Rewards Rate: 3% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%). 2% Cash Back at U.S. gas stations and at select U.S. department stores. 1% Cash Back on other purchases.
  • Welcome Offer: Earn 20% back on Amazon.com purchases on the Card in the first 6 months of Card membership, up to $150 back. Plus, earn $100 back after you spend $2,000 in purchases on your new Card within the first 6 months of card membership. You will receive cash back in the form of statement credits.
  • Regular APR: 13.99%-23.99% Variable
  • Recommended Credit Score: Good to Excellent  (670 - 850)

Best card for new professionals

Jasper Cash Back Mastercard®

Apply Now On Jasper's secure website
Top Features
  • Rewards Rate: Up to 6% cash back by referring friends! Limited time only: Start with 1%, get to 3% cash back by successfully referring just two friends! Promotional cash back rate lasts for a full year.
  • Welcome Offer: N/A
  • Regular APR: 15.49% - 24.99% (Variable)
  • Recommended Credit Score: Fair to Good  (580 - 740)

Best for gas stations and restaurants

Discover it® chrome

Apply Now On Discover's secure website
Top Features
  • Rewards Rate: Earn cash back on your next road trip with 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Welcome Offer: Intro Offer: Unlimited Cashback Match - only from Discover. Discover will automatically match all the cash back you've earned at the end of your first year! There's no minimum spending or maximum rewards. Just a dollar-for-dollar match.
  • Regular APR: 11.99% - 22.99% Variable
  • Recommended Credit Score: Good to Excellent  (670 - 850)

Best for rewards on internet, TV and cellphone service

Credit One Bank® Platinum Rewards Visa

Apply Now On Credit One Bank's secure website
Top Features
  • Rewards Rate: Get 5% cash back rewards on the first $5,000 of eligible gas, grocery, internet, cable, satellite TV, and mobile phone service purchases each year, and then 1% thereafter. 1% cash back rewards on all other purchases. Terms Apply.
  • Welcome Offer: N/A
  • Regular APR: 23.99% Variable
  • Recommended Credit Score: Fair to Good  (580 - 740)

Best for travel redemptions

Capital One Venture Rewards Credit Card

Apply Now On Capital One's secure website
Top Features
  • Rewards Rate: Earn unlimited 2X miles on every purchase, every day.
  • Welcome Offer: Earn 100,000 bonus miles when you spend $20,000 on purchases in the first 12 months from account opening, or still earn 50,000 miles if you spend $3,000 on purchases in the first 3 months
  • Regular APR: 17.24% - 24.49% (Variable)
  • Recommended Credit Score: Good to Excellent  (670 - 850)
Terms and Restrictions Apply

Best for boosted rewards on select categories

Credit One Bank® Platinum Rewards Visa with No Annual Fee

Apply Now On Credit One Bank's secure website
Top Features
  • Rewards Rate: 2% cash back rewards on eligible gas and grocery purchases as well as mobile phone, internet, cable and satellite TV services. Terms apply.
  • Welcome Offer: N/A
  • Regular APR: 23.99% Variable
  • Recommended Credit Score: Good to Excellent  (670 - 850)

Best for credit-building with cash back

Petal® 2 "Cash Back, No Fees" Visa® Credit Card

Apply Now On WebBank's secure website
Top Features
  • Rewards Rate: Up to 1.5% cash back after making 12 on-time monthly payments. 1% cash back on eligible purchases right away.
  • Welcome Offer: N/A
  • Regular APR: 12.99% - 26.99% (Variable)
  • Recommended Credit Score: No Credit History 
Terms and Restrictions Apply

Best for low interest and low cost

Upgrade Visa® Card with Cash Rewards

Apply Now On Upgrade's secure website
Top Features
  • Rewards Rate: Earn 1.5% unlimited cash back on card purchases every time you make a payment
  • Welcome Offer: N/A
  • Regular APR: 8.99% - 29.99% APR
  • Recommended Credit Score: Fair to Good  (580 - 740)

Some of the offers on this page may have expired.


Find the best credit card to match your good credit score

Having a good credit score is something you should take pride in. Bankrate can help you choose a credit card you’ll be proud to carry.

A credit score usually refers to someone’s FICO score, which uses predictive analysis based on your financial history to measure your overall creditworthiness. The score relies on information taken from one or more of the three big credit reporting agencies — Equifax, Experian and TransUnion.

However, a credit score represents more than a single number. Good credit is important because it can also send a signal to credit card issuers (and other types of lenders) that you’re trustworthy and reliable. With a good credit score, you have access to a broad range of high-quality credit cards for cash back, travel rewards and more.

The more you know…
The pandemic has resulted in financial challenges for many Americans. According to our study, 33 percent of cardholders did something that could hurt their credit score during COVID-19.

Check out our analysis of the best credit cards for good credit and make an informed decision today.

In this guide:


Best credit cards for good credit: Bankrate’s top picks

 

Card Name Best for Bankrate Review Score
Blue Cash Everyday® Card from American Express Gas & groceries 3.9 / 5
(Read full card review)
Jasper Cash Back Mastercard® Professionals 3.5 / 5
(Read full card review)
Discover it® chrome Gas stations and restaurants 3.9 / 5
(Read full card review)
Credit One Bank® Platinum Rewards Visa Rewards on internet, TV and cellphone service 3.6/5
(Read full card review)
Capital One Venture Rewards Credit Card Travel redemptions 4.3 / 5
(Read full card review)
Credit One Bank® Platinum Rewards Visa with No Annual Fee Boosted rewards on select categories 3.0 / 5
(Read full card review)
Petal® 2 “Cash Back, No Fees” Visa® Credit Card Credit-building with cash back 4.0 / 5
(Read full card review)
Upgrade Visa® Card with Cash Rewards Low interest and low cost 3.1 / 5
(Read full card review)
Discover it® Cash Back First-year rewards 4.2/ 5
(Read full card review)
Capital One VentureOne Rewards Credit Card Travel with no annual fee 3.6 / 5
(Read full card review)
Capital One SavorOne Cash Rewards Credit Card Dining and entertainment with no annual fee 4.5 / 5
(Read full card review)

A closer look at the top credit cards for good credit

Blue Cash Everyday® Card from American Express

Why you’ll love it

This card has exceptional rewards rates for spending at U.S. supermarkets, U.S. gas stations and select U.S. department stores, three categories where busy families are likely to make a lot of purchases. The card doesn’t charge an annual fee either, which is good news for your family’s budget.

Why it might not be for you

If you do a lot of shopping at places like Costco and Walmart, be aware that American Express doesn’t include wholesale clubs and superstores in its definition of U.S. supermarkets. The generous rewards rates won’t do you any good at establishments that aren’t eligible for them.

The bottom line

The Blue Cash Everyday Card seems tailor-made for families with lots of places to go and meals to prepare. The straightforward rewards might even provide an opportunity to teach your kids about the importance of building good credit through responsible financial choices.

Annual Fee: $0

Read our Blue Cash Everyday® Card from American Express Review

Jasper Cash Back Mastercard®

Why you’ll love it

Start with the application process, if you’re approved, you’ll enjoy benefits including a low 15.49% – 24.99% variable APR, no annual fee and an available credit limit of up to $5,000. The card also offers features designed to help you manage your account effectively. Also, get up to 6 percent cash back by referring friends! Limited time only: Start with 1 percent, get to 3 percent cash back by successfully referring just two friends! Promotional cash back rate lasts for a full year. Receive your cash back automatically every month as a credit to your account, as long as your account is active and in good standing.

Why it might not be for you

If you’re interested in earning higher cash back, points or travel miles, you’ll have to look elsewhere.

The bottom line

Credit products like the Jasper Mastercard are designed for consumers who are looking for great cash back rewards. Used responsibly, this card could help you continue on your professional and financial journey.

Read our Jasper Cash Back Mastercard® Review.

Discover it® chrome

Why you’ll love it

You might think you need a towering credit score for a cash back card that earns more than a basic 1-percent rate, but this card suggests otherwise. The Discover it® chrome earns 2 percent cash back at gas stations and restaurants on up to $1,000 in combined spending per quarter, along with 1 percent on all other purchases. You could qualify with a credit score in the 670+ range, which Discover considers average to excellent.

Why it might not be for you

This card is most useful for people who spend around $4,000 per year at gas stations and restaurants combined. Those who spend much less in those categories might be better off with a 1.5-percent or 2-percent flat-rate card, while those who spend much more might prefer a higher-rate card.

Bottom line

If your regular routine involves spending money at the pump and on the menu, the Discover it chrome could offer an easy way to cash in on those purchases.

Read our Discover it® chrome Review.

Credit One Bank® Platinum Rewards Visa

Why you’ll love it

The main attraction here is the high cash back rate (5 percent on up to $5,000 in combined purchases per year, then 1 percent) in several specific categories. Many cards earn generous cash back on gas and groceries, but this card covers those categories plus internet, cable TV, satellite TV and mobile phone service.

Why it might not be for you

Although the potential cash back rewards could easily offset the $95 annual fee, this card’s 23.99% variable APR makes it essential for you to avoid carrying a balance. Pay your credit card bill in full and on-time to protect your good credit.

The bottom line

If you have a large family that hasn’t cut the cord or dumped the dish, the cash back rewards on cable TV and satellite TV could be a difference-maker. Cash back on internet, cellphone service, gas and groceries should come in equally handy.

Read our Credit One Bank® Platinum Rewards Visa review.

Capital One Venture Rewards Credit Card

Why you’ll love it

If your credit is good and your passion for travel runs deep, this may be the card you’re looking for. The 2X miles per dollar rewards rate is generous, and the miles you redeem aren’t tied to any particular hotel or airline or subject to blackout dates.

Why it might not be for you

The $95 annual fee is modest for a card of this quality. It’s still a fee, however, and you’ll need to utilize the card strategically to offset that cost.

The bottom line

The Capital One Venture Rewards is one of the best travel rewards cards available from our partners. It might seem like you’d need excellent credit to apply for a card like this, but good credit will do.

Read our Capital One Venture Rewards Credit Card Review

Credit One Bank® Platinum Rewards Visa with No Annual Fee

Why you’ll love it

In addition to high cash back on select everyday categories like gas and groceries, this Credit One Bank card offers no annual fee (for qualified applicants; terms apply) and no APR penalty for late payments.

Why it might not be for you

Initially, you may not fully benefit from the rewards program if your credit limit starts out as low as $300. That’s because you can’t make the big purchases that could turn into big cash back earnings. Also, the regular APR is a high 23.99% (variable).

Bottom line

Although you may not fully enjoy the rewards this card offers in the beginning if you’re granted a low credit line, good credit habits can turn into a higher limit, which can turn into bigger cash back earnings.

Read our Credit One Bank® Platinum Rewards Visa with No Annual Fee Review.

Petal® 2 “Cash Back, No Fees” Visa® Credit Card

Why you’ll love it

You automatically earn 1 percent cash back on eligible purchases, but the rate rises to 1.25 percent after six on-time monthly payments and 1.5 percent after 12 on-time monthly payments. You’ll also be eligible for offers from select merchants in your area that earn 2 percent to 10 percent cash back. The Petal card app features a budget-planning tool and a payment calculator, and the card reports to all three of the major credit bureaus.

Why it might not be for you

This card is best suited for credit beginners. If you already have a good credit score and disciplined spending habits, you could find a card with a higher cash back rate pretty easily.

Bottom line

If you’re aiming for an excellent credit score, this card’s credit-building capabilities and incentive-based cash back program could be just the ticket.

Read our Petal® 2 “Cash Back, No Fees” Visa® Credit Card review.

Upgrade Visa® Card with Cash Rewards

Why you’ll love it

Pay a fixed monthly payment over a fixed amount of time with this card’s automatic installment plan. Unlike traditional cards’ payment options you’ll pay off your Upgrade Card balance within 12-60 months. Earn 1.5 percent unlimited cash back on card purchases every time you make a payment.

Why it might not be for you

While this card has no annual fee, there’s also no 0% intro APR on purchases or balance transfers. In fact, balance transfers aren’t allowed.

Bottom line

If you need to get a firm grip on your card payments, the Upgrade Card is a good option. Also, it’s a fine choice as a financial product. However, no balance transfers are allowed with this card.

Read our Upgrade Visa® Card with Cash Rewards Review

Capital One VentureOne Rewards Credit Card

Why you’ll love it

This card offers 1.25X miles per dollar spent to the Venture’s 2X miles per dollar spent. However, both the Capital One VentureOne and the Capital One Venture Rewards Credit Card benefit from a growing number of transfer partners, which gives you more options in redeeming your miles for travel.

Why it might not be for you

Although it doesn’t have the $95 annual fee, the Capital One VentureOne doesn’t measure up to its big sibling on the rewards rate. Earning 1.25 miles per dollar is definitely a step down from 2 miles per dollar.

The bottom line

One mark of a good-credit consumer is the ability to live within your means. If you like traveling but not extravagant travel spending, the rewards earned through the Capital One VentureOne can help you chip away at those costs.

Read our Capital One VentureOne Rewards Credit Card Review

Capital One Quicksilver Cash Rewards Credit Card

Why you’ll love it

In one word: simplicity. You’ll earn 1.5 percent cash back on all eligible purchases, which means not having to mentally juggle categories or calendars. You get the same cash back rewards whether you’re at the gas pump or the lunch counter.

Why it might not be for you

As a new cardholder, you get a $200 bonus once you spend $500 in the first three months. Many cards, including cards in the good-credit category, have bigger and flashier welcome offers.

The bottom line

If you’ve worked hard to establish good credit and want to enjoy some of the benefits, the Capital One Quicksilver is a good way to enter 2021 with more tools at your disposal. You’ll find this card easy to use and a consistent source of cash back rewards.

Read our Capital One Quicksilver Cash Rewards Credit Card Review

Discover it® Cash Back

Why you’ll love it

You can match your spending patterns with the bonus calendar and enroll every quarter to earn 5 percent cash back on rotating bonus categories (on up to $1,500 in combined spending per quarter, then 1 percent). Discover will match all the cash back you’ve earned at the end of your first year.

Why it might not be for you

If instant gratification is your thing, getting a card with an upfront sign-up bonus might be more satisfying than waiting for the end of your first year to receive the Discover Cashback Match.

The bottom line

Knowing how to adjust your spending habits when necessary is one of the keys to maintaining good credit, and patience is a plus. The Cashback Match with the Discover it Cash Back could offer a lucrative reward for being patient.

Read our Discover it® Cash Back Review

Capital One SavorOne Cash Rewards Credit Card

Why you’ll love it

This card’s rewards program matches up well with people who make room in their budgets for food and fun: Earn unlimited 3 percent cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1 percent on all other purchases. One thing you don’t get? An annual fee.

Why it might not be for you

Your options for redeeming rewards include statement credits, shopping on Amazon.com and gift cards, but you can’t redeem them for travel. Frequent travelers might consider a travel rewards card that earns miles for dining purchases in addition to airfare, hotels and the like. (The travel category does include numerous choices for good-credit consumers.)

The bottom line

Maintaining good credit doesn’t necessarily mean you can’t spend money on things you enjoy. If the things you enjoy include dining and entertainment, the Capital One SavorOne can help you earn cash back at a more than respectable rate.

Read our Capital One SavorOne Cash Rewards Credit Card Review


What does good credit mean?

A FICO Score between 670 and 739 generally qualifies as a “good” score. The “good” credit range for VantageScore, another credit scoring model, goes from 661 to 780.

But what does a good credit score mean, beyond the numbers?

Lenders use credit scores and other financial information to determine what kind of interest rates you qualify for. If your financial history shows that you consistently pay your bills in full and on time, you’re considered less of a risk and you’ll probably get better interest rates.

Good credit can make it easier to get approved for credit cards and to secure a mortgage or car loan. It also improves your chances of qualifying for more favorable interest rates, which can save you money on interest charges over the life of your loan.

Of course, people with excellent credit usually get the lowest rates. You’re still likely to fare better than someone who has a fair or poor credit score. So, when it comes to your credit score, aim high.

What’s the difference between good credit and fair credit?

If you have a fair credit score, the distance between you and a good score could be as little as 1 point or as many as 90. It depends on whether your score lies on the low end or the high end of the fair credit spectrum (580-669 for FICO or 650-699 for VantageScore).

Regardless of the distance, being one level below good credit can make a huge difference when you apply for credit. You could miss out on access to great credit card offers on rewards, cash back and 0% interest cards. You could also end up paying higher interest when you borrow money.

Consider this hypothetical example involving two credit card applicants and the APR (annual percentage rate) they might pay depending on their credit scores.

FICO score

APR offer

Interest charges on $10,000 balance paid off in two years at $500 per month
Applicant 1

670 (Good)

15%

$1,579

Applicant 2

665 (Fair)

18%

$1,978

Source: Bankrate Credit Card Payoff Calculator

In this example, just a 5-point difference in your FICO score could cost you $399 over two years.

The difference doesn’t end at credit card APR. Paying a higher interest rate on long-term loans (a mortgage, student loan or car loan) can mean the difference of thousands of dollars over time.

The same principles apply to the difference between good credit and exceptional credit, which FICO defines as any score over 800. People with excellent credit scores generally have the best shot at premier credit cards and low interest rates on everything from car loans to mortgages.

How to get a good credit score

If you have fair credit or poor credit, it may be easier to improve your credit score than you think. Follow these tips to get your credit score closer to good:

Check your credit report

Check your credit report at least once a year. (Note that your credit report reflects your full credit history, as opposed to the moment-in-time snapshot provided by your credit score.) When you check your report, look for errors and inaccuracies that could be holding you back.

Correct any errors on your credit report

Some credit report errors can be as simple as a misspelled name or incorrect address, while others may involve outdated information (loans that you’ve paid off still listed as open, and so on). Disputing errors on your credit report involves two steps:

  1. Contacting the credit bureau or bureaus in question (such as Experian, TransUnion or Equifax)
  2. Contacting the person, company or organization that provided the information you believe to be inaccurate to the credit bureau

Uncertain about what to say? Don’t worry. The Federal Trade Commission (FTC) has sample letters for contacting credit bureaus and information providers.

You’ll need to provide documentation to address the errors, such as balance statements, receipts, etc. Be sure to send copies of your documents, not the originals.

Pay on time across the board

Pay all your bills on time, if at all possible. In addition to your credit card, your financial behavior with any other loan also plays a part in building credit. If you miss a mortgage payment or car payment, you’ll also do damage to your credit score.

Watch your credit utilization

Your credit utilization — how much of your available credit you’re using — is one of the key components in determining your credit score. Using more than 30 percent of your available credit could drive your score down.

Let an older card age gracefully

If you have an old credit card, think about keeping it instead of closing it out. An account held for a long period of time says “experienced credit user” to potential lenders.

You can keep the account active by making a small charge (automatic payment on your monthly cloud storage, for example) and paying in full and on time each month.

Things to consider before you apply

Any time you apply for a loan or credit line, from mortgages to credit cards, the lender will request a copy of your credit history from one or more of the three major credit bureaus. It’s part of how lenders separate qualified candidates for credit from applicants who may be more of a risk.

This request is called a hard inquiry or “hard pull.” It can lower your credit score, but usually the effect is temporary. “Soft pulls” involve the kind of credit checks that don’t require your consent, such as pre-approved credit card offers, and they don’t affect your credit score.

The lesson here is to limit the number of times you apply for credit, triggering a hard inquiry that can cause a short-term dip in your credit score.

Exceptions apply in some cases. If you’re “rate-shopping” for a student loan, car loan or mortgage, for instance, some FICO models treat multiple hard inquiries for the same type of credit within a short period as a single inquiry.

However, the rate-shopping exception doesn’t mean your credit score will escape unscathed if you submit applications for multiple types of credit in a short window — say, a mortgage and a car loan in the same week.

How Bankrate scores 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:

Rewards programs

The best cards for cash back, miles or points offer competitive rewards rates, useful spending categories and easy-to-understand redemption policies.

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.

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.

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.

More reviews and research

If you don’t have enough information to make a decision just yet, you’ve come to the right place. Bankrate can help you analyze the facts and sift through the statistics.


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

about the author
Senior Editor Barry Bridges has been writing about credit cards, personal loans, mortgages and other personal finance products since 2017. Before joining Bankrate, he was an award-winning newspaper journalist in his native North Carolina. Send your questions about credit cards (and fantasy baseball) to bbridges@bankrate.com. ...
about the editor
Mariah Ackary is a personal finance writer who specializes in credit card rewards and small business credit. Mariah is a lifelong writer, but she began writing about finance in 2018. She joined the Bankrate team in 2019, excited by the opportunity to directly help people make good financial decisions. Send your questions to mackary@bankrate.com ...

* 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.