Discover the Best Credit Cards for Good Credit Scores

Finding the best credit cards for good credit scores can be daunting. Let Bestcards.com help you choose among credit cards for good credit with its comprehensive credit card reviews. Take a look at the selection below and find your ideal match today.

Click to jump to our credit resources

Advertiser Disclosure Editorial Disclosure

FEATURED CARD – READ REVIEW

Grand Reserve™ World Mastercard®

Earn 50,000 Bonus Points When You Spend $3,000 on Purchases in the First 3 Months After Account Opening

Grand Reserve™ World Mastercard®
  • Regular Purchase APR 14.99% to 22.99% variable based on creditworthiness and the Prime Rate
  • Annual Fee None for the first year. After that, $149
  • Credit Needed Excellent , Good
  • Processing Network Mastercard
Best Benefits
  • Earn 50,000 Grand Reserve Rewards points after you spend $3,000 in 90 days from account opening
  • Receive a welcome gift of a pair of wine glasses (a $110 value) on card activation
  • Earn up to 7x points per dollar on wine purchases, with our Top Wine Merchant Bonus
  • Earn 5x points per dollar at more than 450 wineries, wine clubs, and other Grand Reserve Partners
  • Redeem your points for wine, sommelier-approved wine accessories, and unique vineyard experiences
  • Receive special offers and concierge services for wine country visits with your included complimentary Priority Wine Pass
  • $0 annual fee for the first year, then $149
  • No foreign exchange fee
Rates & Fees
  • Regular Purchase APR: 14.99% to 22.99% variable based on creditworthiness and the Prime Rate
  • Annual Fee: None for the first year. After that, $149
  • Late Payment Penalty Fee: Up to $25
  • Return Payment Penalty Fee: Up to $37
Credit Card Deals
  • Save 5% - Offer Expires on December 31, 2030 - See Details
  • Save 5% - Offer Expires on December 31, 2030 - See Details
  • Receive up to 50% off hotels in addition to a 1% rebate - Offer Expires on December 31, 2030 - See Details
  • Save 15% - Offer Expires on December 31, 2030 - See Details
  • Save 1% - Offer Expires on December 31, 2030 - See Details
  • Save 5% - Offer Expires on December 31, 2030 - See Details
  • Enjoy 5% rebate on all online bookings, global pass memberships and all premium subscription - Offer Expires on December 31, 2030 - See Details
  • Save 10% - Offer Expires on December 31, 2030 - See Details
  • Save up to 20% - Offer Expires on December 31, 2030 - See Details
  • Save $500.00 - Offer Expires on December 31, 2030 - See Details
  • View All Deals -

FEATURED CARD – READ REVIEW

Upgrade Visa® Card with Cash Rewards

Earn 1.5% Unlimited Cash Back

Upgrade Visa® Card with Cash Rewards
  • Regular Purchase APR 8.99%-29.99% variable based on creditworthiness and the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good , Fair
  • Processing Network Visa
Best Benefits
  • Earn 1.5% unlimited cash back on card purchases every time you make a payment
  • Combine the flexibility of a card with the low cost and predictability of a loan
  • $0 fees - $0 annual fee, $0 activation fees, $0 maintenance fees
  • No touch payments with contactless technology built in
  • See if you qualify in minutes without hurting your credit score
  • Great for large purchases with predictable payments you can budget for
Rates & Fees
  • Regular Purchase APR: 8.99%-29.99% variable based on creditworthiness and the Prime Rate
Credit Card Deals
  • Save 4% on hotel room stays - Offer Expires on June 01, 2021 - See Details
  • Save 4% on hotel room reservations - Offer Expires on June 01, 2021 - See Details
  • Save 4% on hotel room stays - Offer Expires on June 01, 2021 - See Details
  • Save 4% on hotel room reservations - Offer Expires on June 01, 2021 - See Details
  • Save 4% on hotel room reservations in the U.S. - Offer Expires on June 01, 2021 - See Details
  • Save 4% on hotel room reservations - Offer Expires on June 01, 2021 - See Details
  • Save 4% on hotel room stays - Offer Expires on June 01, 2021 - See Details
  • Save 4% on hotel room reservations - Offer Expires on June 01, 2021 - See Details
  • Save 4% on hotel room reservations - Offer Expires on June 01, 2021 - See Details
  • Save 4% on hotel room reservations - Offer Expires on June 01, 2021 - See Details
  • View All Deals -

Sort By Column Name:

Showing 658 Cards

Date Reviewed: May 10, 2021

U.S. Bank Altitude® Connect Visa Signature®

U.S. Bank Altitude® Connect Visa Signature®
  • Regular Purchase APR 15.99% to 23.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 15.99% to 23.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 25.99% variable based on the Prime Rate
  • Annual Fee $0 for the first year; $95 after that
  • Credit Needed Excellent , Good
  • Processing Network Visa
Best Benefits
  • No foreign transaction fees
  • Earn 4X points on travel and gas station purchases
  • Earn 2X points on grocery stores, grocery delivery, dining and streaming services
  • TSA Precheck or Global Entry statement credit every four years
Rates & Fees
  • Regular Purchase APR: 15.99% to 23.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 15.99% to 23.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: •Balance Transfer Either 3% of the amount of each transfer or $5 minimum, whichever is greater
  • Cash Advance APR: 25.99% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either 5% of the amount of each advance or $10 minimum, whichever is greater
  • Annual Fee: $0 for the first year; $95 after that
  • Late Payment Penalty Fee: Up to $40
  • Return Payment Penalty Fee: Up to $40
Credit Card Deals
  • Save 4% on hotel room stays - Offer Expires on June 01, 2021 - See Details
  • Save 4% on hotel room reservations - Offer Expires on June 01, 2021 - See Details
  • Save 4% on hotel room stays - Offer Expires on June 01, 2021 - See Details
  • Save 4% on hotel room reservations - Offer Expires on June 01, 2021 - See Details
  • Save 4% on hotel room reservations in the U.S. - Offer Expires on June 01, 2021 - See Details
  • Save 4% on hotel room reservations - Offer Expires on June 01, 2021 - See Details
  • Save 4% on hotel room stays - Offer Expires on June 01, 2021 - See Details
  • Save 4% on hotel room reservations - Offer Expires on June 01, 2021 - See Details
  • Save 4% on hotel room reservations - Offer Expires on June 01, 2021 - See Details
  • Save 4% on hotel room reservations - Offer Expires on June 01, 2021 - See Details
  • View All Deals -

Date Reviewed: May 04, 2021

Best Friends® Credit Card

Best Friends® Credit Card
  • Regular Purchase APR 23.99% variable based on the Prime Rate
  • Cash Advance APR 23.99% variable based on the Prime Rate
  • Annual Fee $39
  • Credit Needed Excellent , Good , Fair
  • Processing Network Visa
Best Benefits
  • Best Friends receives a donation in an amount equal to 1% of eligible purchases
  • Earn 5% cash back rewards on eligible pet shops, pet foods, and supplies stores purchases for the first $5,000 per calendar year
  • Get up to 10% More Cash Back Rewards from participating merchants
  • $0 annual fee for excellent credit
Rates & Fees
  • Regular Purchase APR: 23.99% variable based on the Prime Rate
  • Cash Advance APR: 23.99% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $5 or 8% of the amount of each Cash Advance, whichever is greater
  • Annual Fee: $39
  • Foreign Transaction Fee: Either $1 or 3% of the transaction amount in U.S. dollars, whichever is greater
  • Late Payment Penalty Fee: Up to $39
  • Return Payment Penalty Fee: Up to $39
Credit Card Deals
  • Save 4% on hotel room stays - Offer Expires on June 01, 2021 - See Details
  • Save 4% on hotel room reservations - Offer Expires on June 01, 2021 - See Details
  • Save 4% on hotel room stays - Offer Expires on June 01, 2021 - See Details
  • Save 4% on hotel room reservations - Offer Expires on June 01, 2021 - See Details
  • Save 4% on hotel room reservations in the U.S. - Offer Expires on June 01, 2021 - See Details
  • Save 4% on hotel room reservations - Offer Expires on June 01, 2021 - See Details
  • Save 4% on hotel room stays - Offer Expires on June 01, 2021 - See Details
  • Save 4% on hotel room reservations - Offer Expires on June 01, 2021 - See Details
  • Save 4% on hotel room reservations - Offer Expires on June 01, 2021 - See Details
  • Save 4% on hotel room reservations - Offer Expires on June 01, 2021 - See Details
  • View All Deals -

Date Reviewed: April 27, 2021

Petco Pay Mastercard

Petco Pay Mastercard
  • Regular Purchase APR 17.49% or 26.49% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 26.99% variable based on the Prime Rate
  • Cash Advance APR 27.49% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good , Fair
  • Processing Network Mastercard
Best Benefits
  • 8% Back in Pals Rewards at participating Petco locations and Petco.com
  • 2% back in Pals Rewards at grocery stores
  • $25 Pals Reward when you spend $500 outside of Petco in the first 90 days
  • No annual fee
Rates & Fees
  • Regular Purchase APR: 17.49% or 26.49% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 26.99% variable based on the Prime Rate
  • Balance Transfer Transaction Fee: Either $10 or 5% of the transfer, whichever is greater
  • Cash Advance APR: 27.49% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 5% of the transaction, whichever is greater
  • Foreign Transaction Fee: 3% of the transaction in US dollars
Credit Card Deals
  • Save 5% - Offer Expires on December 31, 2030 - See Details
  • Save 5% - Offer Expires on December 31, 2030 - See Details
  • Receive up to 50% off hotels in addition to a 1% rebate - Offer Expires on December 31, 2030 - See Details
  • Save 15% - Offer Expires on December 31, 2030 - See Details
  • Save 1% - Offer Expires on December 31, 2030 - See Details
  • Save 5% - Offer Expires on December 31, 2030 - See Details
  • Enjoy 5% rebate on all online bookings, global pass memberships and all premium subscription - Offer Expires on December 31, 2030 - See Details
  • Save 10% - Offer Expires on December 31, 2030 - See Details
  • Save up to 20% - Offer Expires on December 31, 2030 - See Details
  • Save $500.00 - Offer Expires on December 31, 2030 - See Details
  • View All Deals -

Date Reviewed: April 27, 2021

Upgrade Triple Cash Rewards Visa®

Upgrade Triple Cash Rewards Visa®
  • Regular Purchase APR 8.99% to 29.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 8.99% to 29.99% variable based on creditworthiness and the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good , Fair
  • Processing Network Visa
Best Benefits
  • Unlimited cash back on payments - 3% on Home, Auto and Health categories and 1% on everything else
  • $0 fees - $0 annual fee, $0 activation fees, $0 maintenance fees
  • Combine the flexibility of a card with the low cost and predictability of a loan
  • Great for large purchases with predictable payments you can budget for
  • Mobile app to access your account anytime, anywhere
  • Enjoy peace of mind with $0 Fraud liability
Rates & Fees
  • Regular Purchase APR: 8.99% to 29.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 8.99% to 29.99% variable based on creditworthiness and the Prime Rate
Credit Card Deals
  • Save 4% on hotel room stays - Offer Expires on June 01, 2021 - See Details
  • Save 4% on hotel room reservations - Offer Expires on June 01, 2021 - See Details
  • Save 4% on hotel room stays - Offer Expires on June 01, 2021 - See Details
  • Save 4% on hotel room reservations - Offer Expires on June 01, 2021 - See Details
  • Save 4% on hotel room reservations in the U.S. - Offer Expires on June 01, 2021 - See Details
  • Save 4% on hotel room reservations - Offer Expires on June 01, 2021 - See Details
  • Save 4% on hotel room stays - Offer Expires on June 01, 2021 - See Details
  • Save 4% on hotel room reservations - Offer Expires on June 01, 2021 - See Details
  • Save 4% on hotel room reservations - Offer Expires on June 01, 2021 - See Details
  • Save 4% on hotel room reservations - Offer Expires on June 01, 2021 - See Details
  • View All Deals -

Date Reviewed: April 26, 2021

Cleveland Cavaliers Credit Card

Cleveland Cavaliers Credit Card
  • Regular Purchase APR 13.99% to 25.99% variable based on creditworthiness and the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Processing Network Mastercard
Best Benefits
  • No annual fee
  • No foreign transaction fees
  • Earn 5X points on Cavs season tickets and streaming services
  • 10% cash back at the Cavs team shop
Rates & Fees
  • Regular Purchase APR: 13.99% to 25.99% variable based on creditworthiness and the Prime Rate
  • Penalty APR: 29.99%
Credit Card Deals
  • Save 5% - Offer Expires on December 31, 2030 - See Details
  • Save 5% - Offer Expires on December 31, 2030 - See Details
  • Receive up to 50% off hotels in addition to a 1% rebate - Offer Expires on December 31, 2030 - See Details
  • Save 15% - Offer Expires on December 31, 2030 - See Details
  • Save 1% - Offer Expires on December 31, 2030 - See Details
  • Save 5% - Offer Expires on December 31, 2030 - See Details
  • Enjoy 5% rebate on all online bookings, global pass memberships and all premium subscription - Offer Expires on December 31, 2030 - See Details
  • Save 10% - Offer Expires on December 31, 2030 - See Details
  • Save up to 20% - Offer Expires on December 31, 2030 - See Details
  • Save $500.00 - Offer Expires on December 31, 2030 - See Details
  • View All Deals -

Date Reviewed: April 26, 2021

Manchester United Credit Card

Manchester United Credit Card
  • Regular Purchase APR 13.99% to 25.99% variable based on creditworthiness and the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Processing Network Mastercard
Best Benefits
  • No annual fee
  • No foreign transaction fees
  • Earn 5X points at bard and restaurants on official matchdays
  • 10% cash back on official Manchester United merchandise purchases
Rates & Fees
  • Regular Purchase APR: 13.99% to 25.99% variable based on creditworthiness and the Prime Rate
  • Penalty APR: 29.99%
Credit Card Deals
  • Save 5% - Offer Expires on December 31, 2030 - See Details
  • Save 5% - Offer Expires on December 31, 2030 - See Details
  • Receive up to 50% off hotels in addition to a 1% rebate - Offer Expires on December 31, 2030 - See Details
  • Save 15% - Offer Expires on December 31, 2030 - See Details
  • Save 1% - Offer Expires on December 31, 2030 - See Details
  • Save 5% - Offer Expires on December 31, 2030 - See Details
  • Enjoy 5% rebate on all online bookings, global pass memberships and all premium subscription - Offer Expires on December 31, 2030 - See Details
  • Save 10% - Offer Expires on December 31, 2030 - See Details
  • Save up to 20% - Offer Expires on December 31, 2030 - See Details
  • Save $500.00 - Offer Expires on December 31, 2030 - See Details
  • View All Deals -

Date Reviewed: April 13, 2021

State Farm Business Cash Rewards Visa Signature® Card

State Farm Business Cash Rewards Visa Signature® Card
  • Regular Purchase APR 13.99% to 23.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 13.99% to 23.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 25.99% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Intro Purchase APR 0% for 12 months
  • Processing Network Visa
Best Benefits
  • 3% cash back on insurance premium payments, up to $4,000 spent annually
  • 3% cash back at gas stations, cell phone service providers, office supply stores and on dining
  • $100 annual software subscription credit
  • No annual fee
Rates & Fees
  • Intro Purchase APR: 0% for 12 months
  • Regular Purchase APR: 13.99% to 23.99% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for 12 months
  • Balance Transfer APR: 13.99% to 23.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Either 3% of the amount of each transfer or $5 minimum, whichever is greater
  • Cash Advance APR: 25.99% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either 5% of the amount of each advance or $10 minimum, whichever is greater
  • Penalty APR: 28.99%
  • Foreign Transaction Fee: 3% of each foreign transaction
  • Late Payment Penalty Fee: $40
  • Return Payment Penalty Fee: $40
  • Over Limit Penalty Fee: $40
Credit Card Deals
  • Save 4% on hotel room stays - Offer Expires on June 01, 2021 - See Details
  • Save 4% on hotel room reservations - Offer Expires on June 01, 2021 - See Details
  • Save 4% on hotel room stays - Offer Expires on June 01, 2021 - See Details
  • Save 4% on hotel room reservations - Offer Expires on June 01, 2021 - See Details
  • Save 4% on hotel room reservations in the U.S. - Offer Expires on June 01, 2021 - See Details
  • Save 4% on hotel room reservations - Offer Expires on June 01, 2021 - See Details
  • Save 4% on hotel room stays - Offer Expires on June 01, 2021 - See Details
  • Save 4% on hotel room reservations - Offer Expires on June 01, 2021 - See Details
  • Save 4% on hotel room reservations - Offer Expires on June 01, 2021 - See Details
  • Save 4% on hotel room reservations - Offer Expires on June 01, 2021 - See Details
  • View All Deals -

Date Reviewed: April 13, 2021

State Farm® Good Neighbor Visa®

State Farm® Good Neighbor Visa®
  • Regular Purchase APR 13.99% to 23.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 13.99% to 23.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 25.99% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Intro Purchase APR 0% for 12 months
  • Processing Network Visa
Best Benefits
  • No annual fee
  • 0% introductory APR on purchases and balance transfers for the first 12 months
  • $600 in cell phone protection
Rates & Fees
  • Intro Purchase APR: 0% for 12 months
  • Regular Purchase APR: 13.99% to 23.99% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for 12 months
  • Balance Transfer APR: 13.99% to 23.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Either 3% of the amount of each transfer or $5 minimum, whichever is greater
  • Cash Advance APR: 25.99% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either 5% of the amount of each advance or $10 minimum, whichever is greater
  • Foreign Transaction Fee: 3% of each foreign transaction
  • Late Payment Penalty Fee: Up to $40
  • Return Payment Penalty Fee: Up to $40
Credit Card Deals
  • Save 4% on hotel room stays - Offer Expires on June 01, 2021 - See Details
  • Save 4% on hotel room reservations - Offer Expires on June 01, 2021 - See Details
  • Save 4% on hotel room stays - Offer Expires on June 01, 2021 - See Details
  • Save 4% on hotel room reservations - Offer Expires on June 01, 2021 - See Details
  • Save 4% on hotel room reservations in the U.S. - Offer Expires on June 01, 2021 - See Details
  • Save 4% on hotel room reservations - Offer Expires on June 01, 2021 - See Details
  • Save 4% on hotel room stays - Offer Expires on June 01, 2021 - See Details
  • Save 4% on hotel room reservations - Offer Expires on June 01, 2021 - See Details
  • Save 4% on hotel room reservations - Offer Expires on June 01, 2021 - See Details
  • Save 4% on hotel room reservations - Offer Expires on June 01, 2021 - See Details
  • View All Deals -

Date Reviewed: May 06, 2021

United Quest Visa Signature Card

United Quest Visa Signature Card
  • Regular Purchase APR 16.49% to 23.49% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 16.49% to 23.49% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 24.99% variable based on the Prime Rate
  • Annual Fee $250
  • Credit Needed Excellent , Good
  • Processing Network Visa
Best Benefits
  • 3X miles on United Purchases
  • 2X miles on all other travel purchases and streaming services
  • $125 annual United purchase credit
  • Global Entry or TSA PreCheck® fee credit
  • Priority boarding
  • No foreign transaction fees
Rates & Fees
  • Regular Purchase APR: 16.49% to 23.49% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 16.49% to 23.49% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Either $5 or 5% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 24.99% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 5% of the amount of each transaction, whichever is greater
  • Penalty APR: Up to 29.99%
  • Annual Fee: $250
  • Late Payment Penalty Fee: Up to $40
  • Return Payment Penalty Fee: Up to $40
Credit Card Deals
  • Save 4% on hotel room stays - Offer Expires on June 01, 2021 - See Details
  • Save 4% on hotel room reservations - Offer Expires on June 01, 2021 - See Details
  • Save 4% on hotel room stays - Offer Expires on June 01, 2021 - See Details
  • Save 4% on hotel room reservations - Offer Expires on June 01, 2021 - See Details
  • Save 4% on hotel room reservations in the U.S. - Offer Expires on June 01, 2021 - See Details
  • Save 4% on hotel room reservations - Offer Expires on June 01, 2021 - See Details
  • Save 4% on hotel room stays - Offer Expires on June 01, 2021 - See Details
  • Save 4% on hotel room reservations - Offer Expires on June 01, 2021 - See Details
  • Save 4% on hotel room reservations - Offer Expires on June 01, 2021 - See Details
  • Save 4% on hotel room reservations - Offer Expires on June 01, 2021 - See Details
  • View All Deals -

Date Reviewed: March 22, 2021

TD Double Up Card

TD Double Up Card
  • Regular Purchase APR 14.99%, 19.99% or 24.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 14.99%, 19.99% or 24.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 25.24% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Processing Network Visa
Best Benefits
  • No annual fee
  • Earn up to 2% cash back on all purchases
  • 0% APR for 15 months on balance transfers
Rates & Fees
  • Regular Purchase APR: 14.99%, 19.99% or 24.99% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for 15 months from account opening date
  • Balance Transfer APR: 14.99%, 19.99% or 24.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 25.24% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
  • Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: Up to $40
  • Return Payment Penalty Fee: Up to $40
Credit Card Deals
  • Save 4% on hotel room stays - Offer Expires on June 01, 2021 - See Details
  • Save 4% on hotel room reservations - Offer Expires on June 01, 2021 - See Details
  • Save 4% on hotel room stays - Offer Expires on June 01, 2021 - See Details
  • Save 4% on hotel room reservations - Offer Expires on June 01, 2021 - See Details
  • Save 4% on hotel room reservations in the U.S. - Offer Expires on June 01, 2021 - See Details
  • Save 4% on hotel room reservations - Offer Expires on June 01, 2021 - See Details
  • Save 4% on hotel room stays - Offer Expires on June 01, 2021 - See Details
  • Save 4% on hotel room reservations - Offer Expires on June 01, 2021 - See Details
  • Save 4% on hotel room reservations - Offer Expires on June 01, 2021 - See Details
  • Save 4% on hotel room reservations - Offer Expires on June 01, 2021 - See Details
  • View All Deals -

#

What Is a Good Credit Score?

A “good” credit score varies depending on the scoring model you use. Both FICO and VantageScore – the two most popular scoring models – have slightly different calculations for what is a good score and what they consider excellent or fair.

FICO

The FICO scoring model is the oldest – and most popular credit scoring model with banks. Estimates state that approximately 90% of banks, lenders, and financial institutions rely on FICO Scores to judge the creditworthiness of an applicant.

The FICO scoring range is from 350 to 850, and breaks down as follows:

  • Excellent: 850 – 800
  • Very Good: 799 – 740
  • Good: 739 – 670
  • Fair: 669 – 580
  • Poor/Bad: 579 -350

VantageScore

VantageScore, like FICO, also measures the creditworthiness and reliability of potential applicants. While less popular than FICO, VantageScore is the creation of the three major credit bureaus: Equifax, Experian, and TransUnion.

The VantageScore model ranges from 300 to 850, and breaks down as follows:

  • Excellent: 850 – 781
  • Good: 780 – 661
  • Fair: 660 – 601
  • Poor/Bad: 600 – 500
  • Very Poor/ Very Bad: 499 – 300

What Factors Determine what a “Good” Credit Score Is?

Both FICO and VantageScore differ in terms of how much weight – or emphasis – they place on certain credit factors. FICO, for example, places greater importance on the total amount of debt a person has and less on their average age of credit. VantageScore, on the other hand, puts more weight on the average age of credit than FICO and slightly less on the total amount of debt owed.

Despite these discrepancies, there are a few things everyone should pay attention to maintain or build their credit score. These factors include:

  • Payment History: How many of your payments are made on time, and how many payments do you miss?
  • Total Debt: How much do you owe on your credit accounts?
  • Credit Utilization: How much of your available credit are you using?

Individuals with a good credit score rarely miss payments. After all, how can a lender deem your credit as good and your lending risks as minimal if you regularly fail to pay back your debts? Additionally, lenders might view you as a risky applicant if you rely too much on your credit accounts. Over-reliance on credit might appear to a bank as someone being financially stretched.

How to Build a Good Credit Score

Graduating from bad credit to good credit or fair credit to good credit takes time and effort. No one starts with a good credit score. Building a good credit score begins early, often at the age of 18, when people are first eligible for most credit cards.

Common routes into credit include student loans, student credit cards, and becoming an authorized user on a family member’s credit card account. Secured credit cards are another popular option for people with no credit, as they are easier to get due to their security deposit requirements.

Building credit depends on making the right financial moves and practicing fiscal discipline. These steps include keeping your credit utilization low and paying all your credit card balances and other bills on time each month.

Keeping your credit utilization – or credit use – low is one of the best ways to build up a good credit score. Credit utilization accounts for 20% of your VantageScore and 30% of your FICO Score. Paying your bills on time is even more important, accounting for 35% of your FICO Score and 40% of your VantageScore.

How Long Does It Take to Build Good Credit?

Getting a good credit score doesn’t happen overnight. Building good credit from scratch can take months, as establishing credit takes time and patience. According to Experian, it can take six months or more for someone new to credit to gain enough information on their credit report to reach a good credit score. This process can take even longer if that person misses a single payment.

Going from a fair credit score to good credit depends on the financial situation of everyone. Those with a good history of on-time payments can quickly reach good credit – or even excellent credit. Those with missed payments, however, may face a long road.

Because missed payments account for as much as 40% of your credit score, these mistakes can take months – or years – to repair. In these cases, the only solution is to keep making on-time payments on all of your accounts and to add a secured card to help increase the number of on-time payments you make. Doing this can quickly overwhelm the missed payments, resulting in a higher percentage of on-time payments – building up your credit score.

How to Get an Excellent Credit Score

Graduating from good credit to excellent credit also takes time. Gaining an excellent credit score opens up the biggest signup bonuses and the lowest interest rates (APR). Fortunately, already having a good credit score is a foot forward in this process. People with a good FICO score or good VantageScore already have many of the tools and habits in place to build their credit score.

What Are the Benefits of a Good Credit Score?

Having a good credit score means you have a better chance of successfully applying for almost any credit card offer on the market. Lenders like to see a good credit score as it shows the applicant is less risky than other applicants, and they can rely on them to make their payments every month.

Here are some of the benefits of having a good credit score:

What to Look for In a Credit Card for Good Credit

Good credit unlocks a variety of rewards and benefits not open to those with bad credit or subprime credit scores. Here are some of the essential features to look at when deciding on your next credit card for good credit:

APR (Annual Percentage Rate)

The interest rates a card charges lets you know how easy it will be to carry a balance from month to month. One of the top benefits of a good credit score is access to lower interest rates than those with no credit, bad credit, or fair credit.

The average APR for someone with a good credit score is approximately 18.24%, which is almost 8% lower than the variable APR for someone with a fair credit score.

Always pay attention to the rate your bank offers you when you apply for a new credit card. If your score is improving, consider calling the card issuer to see if they will provide you with a lower APR.

Annual Fees

A good credit score opens the possibility of getting some of the best credit card offers available. Because of their good score, many applicants have access to cards with excellent rewards. These cards may – or may not – come with an annual fee.

Some cards, like the Chase Freedom, come with no annual fee. All Discover credit cards have no annual fees. Other cards offer tiers, with better rewards coming with a higher yearly charge. The U.S. Bank Altitude Go, for instance, has no annual fee, while the impressive U.S. Bank Altitude Reserve has a $400 annual fee.

Rewards

Since a good credit score means better credit card offers, it also means better rewards. Rewards come in the form of cash back, points, or miles and vary in value depending on the issuer. Before applying for your next credit card, always read the terms and conditions to see how you earn points – and how you redeem them.

Some reward programs offer limited award options, such as statement credits or merchandise. Others, such as American Express Membership Rewards, Citi ThankYou Points, and Chase Ultimate Rewards, offer the chance to transfer miles or points to airline partners or hotel loyalty programs. These programs offer excellent value-for-money.

Perks

Other factors to consider when selecting your next good credit card include perks and cardholder benefits. Many good credit cards are Visa Signature or Mastercard World products. Both Visa and Mastercard offer greater protections for users with these cards over classic Mastercard or Visa products.

Other features these cardholders may receive include:

What Are the Best Good Credit Cards for 2021?

Now that you know what to look out for, what are the best credit cards for good credit of 2021? With so many cards to choose from it can be difficult to sort the good from the great. Here are some of the top picks for good credit from the BestCards team:

Find the Best Card for Average Credit Today

The team at BestCards.com knows how hard it can be to find the perfect credit card, especially without the right tools or knowledge. That’s why we strive to provide insightful credit card reviews, plus informative articles, and advice to guide you. Take advantage of these resources and more to find your ideal credit card today!