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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.

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Showing 612 Cards

Date Reviewed: September 17, 2020

Emirates Skywards Premium World Elite Mastercard®

Emirates Skywards Premium World Elite Mastercard®
  • Regular Purchase APR 15.99%, 19.99% or 24.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 15.99%, 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 $499
  • Credit Needed Excellent , Good
  • Processing Network Mastercard
Best Benefits
  • Earn up to 3 Skywards Miles per dollar spent
  • Earn unlimited Skywards Miles that don't expire
  • Enjoy Emirates Skywards Gold tier membership during your first year
  • No foreign transaction fees
  • Complimentary lounge access to Emirates Business Class lounges worldwide for a cardmember and a guest
  • Earn 50% bonus Skywards Miles on Emirates flights
Rates & Fees
  • Regular Purchase APR: 15.99%, 19.99% or 24.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 15.99%, 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 balance 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
  • Annual Fee: $499
  • Late Payment Penalty Fee: Up to $40
  • Return Payment Penalty Fee: Up to $40

Date Reviewed: September 17, 2020

Emirates Skywards Rewards World Elite Mastercard®

Emirates Skywards Rewards World Elite Mastercard®
  • Regular Purchase APR 15.99%, 19.99%, or 24.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 15.99%, 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 $99
  • Credit Needed Excellent , Good
  • Processing Network Mastercard
Best Benefits
  • Earn up to 3 Skywards Miles per dollar spent
  • Earn unlimited Skywards Miles that don't expire
  • Unlimited access to over 1,200 lounges worldwide for you and a guest with Priority Pass Select
  • No foreign transaction fees
  • Earn 25% bonus Skywards Miles on Emirates flights
Rates & Fees
  • Regular Purchase APR: 15.99%, 19.99%, or 24.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 15.99%, 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 balance 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
  • Annual Fee: $99
  • Late Payment Penalty Fee: Up to $40
  • Return Payment Penalty Fee: Up to $40

Date Reviewed: September 17, 2020

Hotels.com® Rewards Visa® Credit Card

Hotels.com® Rewards Visa® Credit Card
  • Regular Purchase APR 14.99% to 22.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 14.99% to 22.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 24.74% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Processing Network Visa
Best Benefits
  • Collect 1 stamp for every night you stay at an eligible property booked on Hotels.com. Collect 10 stamps, get 1 reward night
  • Get a reward night when you spend $1,000 on purchases in the first 3 months
  • No foreign transaction fees
  • No annual fee
Rates & Fees
  • Regular Purchase APR: 14.99% to 22.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 14.99% to 22.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Either $5 or 5% of the amount of each balance transfer, whichever is greater
  • Cash Advance APR: 24.74% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
  • Late Payment Penalty Fee: Up to $37
  • Return Payment Penalty Fee: Up to $37
Credit Card Deals
  • Complimentary EZ Mini Crunchies (60g) when you spend S$120 - Offer Expires on December 31, 2020 - See Details
  • 10% off museum entry - Offer Expires on December 31, 2020 - See Details
  • Save up to 55% on London theater tickets - Offer Expires on December 31, 2020 - See Details
  • Save an extra 10% on Tower of London access tickets - Offer Expires on December 31, 2020 - See Details
  • Save 5% with Alamo® at participating locations - Offer Expires on December 31, 2020 - See Details
  • Save 5% with Enterprise Rent-A-Car® at participating locations - Offer Expires on December 31, 2020 - See Details
  • Save an extra 5% on The Paris Explorer Pass - Offer Expires on December 31, 2020 - See Details
  • Save an extra 5% on The London Explorer Pass - Offer Expires on December 31, 2020 - See Details
  • Save an extra 5% when you purchase your Go Barcelona Pass - Offer Expires on December 31, 2020 - See Details
  • Save an extra 5% when you purchase your Go Bangkok Pass - Offer Expires on December 31, 2020 - See Details
  • View All Deals -

Date Reviewed: September 02, 2020

Chase Freedom Flex World Elite Mastercard

Chase Freedom Flex World Elite Mastercard
  • Regular Purchase APR 14.99% to 23.74% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 14.99% to 23.74% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 24.99% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Intro Purchase APR 0% for 15 months from account opening date
  • Processing Network Mastercard
Best Benefits
  • Earn 5% cash back on travel purchased through Chase Ultimate Rewards
  • Also earn 5% back on up to $1,500 in combined purchases in bonus categories each quarter
  • Earn 3% back on dining at restaurants (including takeout and delivery services) and drugstore purchases
  • Earn unlimited 1% back on all other purchases
  • No annual fee
  • Get 5% cash back on Lyft rides through March 2022
  • Get a complimentary 3 months of DashPass from DoorDash
Rates & Fees
  • Intro Purchase APR: 0% for 15 months from account opening date
  • Regular Purchase APR: 14.99% to 23.74% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 14.99% to 23.74% 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 cash advance, whichever is greater
  • Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: Up to $39
  • Return Payment Penalty Fee: Up to $39

Date Reviewed: August 26, 2020

MINI World Mastercard

MINI World Mastercard
  • Regular Purchase APR 15.24% to 24.24% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 15.24% to 24.24% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 24.99% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Intro Purchase APR 0% for 12 months from account opening date
  • Processing Network Mastercard
Best Benefits
  • Earn up to 4X points per $1 on eligible purchases
  • 0% introductory APR on purchases and balance transfers for 12 months
  • No annual fee
  • Get 25% more value on your rewards when you redeem points for a MINI Rewards Card
  • Redeem points for travel, merchandise, cash back, or a loan/lease payment
Rates & Fees
  • Intro Purchase APR: 0% for 12 months from account opening date
  • Regular Purchase APR: 15.24% to 24.24% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for 12 months on transfers made within 30 days from account opening date
  • Balance Transfer APR: 15.24% to 24.24% 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: 24.99% 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: Up to 3% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: Up to $40
  • Return Payment Penalty Fee: Up to $35

Date Reviewed: August 26, 2020

BMW Motorrad World Mastercard

BMW Motorrad World Mastercard
  • Regular Purchase APR 15.24% to 24.24% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 15.24% to 24.24% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 24.99% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Intro Purchase APR 0% for 12 months from account opening date
  • Processing Network Mastercard
Best Benefits
  • Earn up to 4X points per $1 on eligible purchases
  • 0% intro APR on purchases and balance transfers for 12 months
  • No annual fee
  • Get 25% more from your rewards when you redeem points for a BMW Rewards Card
  • Redeem rewards for travel, merchandise, cash back, or a monthly bike payment
Rates & Fees
  • Intro Purchase APR: 0% for 12 months from account opening date
  • Regular Purchase APR: 15.24% to 24.24% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for 12 months on transfers made within 30 days from account opening date
  • Balance Transfer APR: 15.24% to 24.24% 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: 24.99% 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: Up to 3% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: Up to $40
  • Return Payment Penalty Fee: Up to $35

Date Reviewed: August 26, 2020

BMW Precision Card

BMW Precision Card
  • Regular Purchase APR 15.24% to 24.24% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 15.24% to 24.24% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 24.99% variable based on the Prime Rate
  • Annual Fee $99
  • Credit Needed Excellent , Good
  • Processing Network Mastercard
Best Benefits
  • Earn up to 5X points per $1 on purchases
  • Get an annual $70 dealership credit
  • Get up to $1,000 in annual coverage for damage or theft of your cell phone
  • Free ShopRunner membership
  • No foreign transaction fees
Rates & Fees
  • Regular Purchase APR: 15.24% to 24.24% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 15.24% to 24.24% 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: 24.99% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
  • Annual Fee: $99
  • Late Payment Penalty Fee: Up to $40
  • Return Payment Penalty Fee: Up to $35

Date Reviewed: June 08, 2020

U.S. Bank Altitude® Go Visa Signature® Card

U.S. Bank Altitude® Go Visa Signature® Card
  • Regular Purchase APR 14.99% to 23.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 14.99% 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 from account opening date
  • Processing Network Visa
Best Benefits
  • Earn 20,000 bonus points after spending $1,000 in the first 90 days. That's a $200 value redeemable towards merchandise, gift cards, cash back, travel, and more
  • Earn 4X points per $1 spent on takeout, dining, and food delivery
  • Earn 2X points per $1 spent at grocery stores, grocery delivery, streaming services and gas stations
  • Get a $15 credit for annual streaming service purchases
Rates & Fees
  • Intro Purchase APR: 0% for 12 months from account opening date
  • Regular Purchase APR: 14.99% to 23.99% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for 12 months from account opening date
  • Balance Transfer APR: 14.99% to 23.99% 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: 25.99% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
  • Late Payment Penalty Fee: Up to $40
  • Return Payment Penalty Fee: Up to $35
Credit Card Deals
  • Complimentary EZ Mini Crunchies (60g) when you spend S$120 - Offer Expires on December 31, 2020 - See Details
  • 10% off museum entry - Offer Expires on December 31, 2020 - See Details
  • Save up to 55% on London theater tickets - Offer Expires on December 31, 2020 - See Details
  • Save an extra 10% on Tower of London access tickets - Offer Expires on December 31, 2020 - See Details
  • Save 5% with Alamo® at participating locations - Offer Expires on December 31, 2020 - See Details
  • Save 5% with Enterprise Rent-A-Car® at participating locations - Offer Expires on December 31, 2020 - See Details
  • Save an extra 5% on The Paris Explorer Pass - Offer Expires on December 31, 2020 - See Details
  • Save an extra 5% on The London Explorer Pass - Offer Expires on December 31, 2020 - See Details
  • Save an extra 5% when you purchase your Go Barcelona Pass - Offer Expires on December 31, 2020 - See Details
  • Save an extra 5% when you purchase your Go Bangkok Pass - Offer Expires on December 31, 2020 - See Details
  • View All Deals -

Date Reviewed: April 13, 2020

Reflex Mastercard® Credit Card

Reflex Mastercard® Credit Card
  • Regular Purchase APR See Terms*
  • Cash Advance APR See Terms*
  • Annual Fee See Terms*
  • Credit Needed Good , Fair , Poor
  • Processing Network Mastercard
Best Benefits
  • See if you’re Pre-Qualified with no impact to your credit score
  • Free access to your Vantage 3.0 score from TransUnion* (When you sign up for e-statements)
  • Monthly reporting to the three major credit bureaus
  • Use your card at locations everywhere Mastercard® is accepted
Rates & Fees
  • Regular Purchase APR: See Terms*
  • Cash Advance APR: See Terms*
  • Cash Advance Transaction Fee: See Terms*
  • Annual Fee: See Terms*
  • Foreign Transaction Fee: See Terms*
  • Late Payment Penalty Fee: See Terms*
  • Return Payment Penalty Fee: See Terms*

Date Reviewed: March 25, 2020

Upgrade Card

Upgrade Card
  • Regular Purchase APR 6.99%-29.99% variable based on creditworthiness and the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good , Fair
  • Processing Network Visa
Best Benefits
  • Choose the Upgrade card with a personal credit line instead of a credit card and enjoy predictable payments on lines from $500-$20,000
  • No Fees – No annual fees and no fees to use your card
  • Quick and easy application – find out if you qualify in minutes
  • Checking your line won’t hurt your credit score
  • Free access to credit monitoring, alerts and features to help you understand your credit
  • Use wherever Visa is accepted. (cannot be used at an ATM)
Rates & Fees
  • Regular Purchase APR: 6.99%-29.99% variable based on creditworthiness and the Prime Rate
Credit Card Deals
  • Complimentary EZ Mini Crunchies (60g) when you spend S$120 - Offer Expires on December 31, 2020 - See Details
  • 10% off museum entry - Offer Expires on December 31, 2020 - See Details
  • Save up to 55% on London theater tickets - Offer Expires on December 31, 2020 - See Details
  • Save an extra 10% on Tower of London access tickets - Offer Expires on December 31, 2020 - See Details
  • Save 5% with Alamo® at participating locations - Offer Expires on December 31, 2020 - See Details
  • Save 5% with Enterprise Rent-A-Car® at participating locations - Offer Expires on December 31, 2020 - See Details
  • Save an extra 5% on The Paris Explorer Pass - Offer Expires on December 31, 2020 - See Details
  • Save an extra 5% on The London Explorer Pass - Offer Expires on December 31, 2020 - See Details
  • Save an extra 5% when you purchase your Go Barcelona Pass - Offer Expires on December 31, 2020 - See Details
  • Save an extra 5% when you purchase your Go Bangkok Pass - Offer Expires on December 31, 2020 - See Details
  • View All Deals -

Add cards to start comparing.

  

#

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 2020?

Now that you know what to look out for, what are the best credit cards for good credit of 2020? 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!