View the Best Credit Cards for Good Credit at BestCards.com

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Best Benefits

No account fees, no balance minimum
Access to 55,000 ATMs nationwide, fee-free
The coverage of VISA®, the security of FDIC

Rates & Fees

Foreign Transaction Fee: $0
Late Payment Penalty Fee: $0
Return Payment Penalty Fee: $0
Over Limit Penalty Fee: $0

Credit Card Deals

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Best Benefits

Earn 5% cash back on gas anywhere Mastercard is accepted (on first $6,000 per year, then 1%)
Earn 3% cash back on Sam's Club purchases for Plus members. Club members earn 1% cash back
Earn 3% cash back on dining and takeout
Earn 1% cash back on other purchases at Sam's Club and wherever Mastercard is accepted
No annual fee

Rates & Fees

Regular Purchase APR: 15.65% or 23.65% variable based on creditworthiness and the Prime Rate
Balance Transfer APR: 15.65% or 23.65% variable based on creditworthiness and the Prime Rate
Balance Transfer Transaction Fee: Either $10 or 4% of the amount of each transfer, whichever is greater
Cash Advance APR: 15.65% or 23.65% variable based on creditworthiness and the Prime Rate
Cash Advance Transaction Fee: Either $5 or 3% of the amount of each cash advance, whichever is greater
Late Payment Penalty Fee: Up to $40

Credit Card Deals

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Best Benefits

Choose your own credit line based on how much money you want to put down as a security deposit
Initial deposits can be from $200 to $3,000. You can increase your credit line at any time by adding additional money to your security deposit, up to $3,000
After 9 months, we review your account for a credit line increase. No additional deposit required!
Secured Credit Cards are great for people looking to build or rebuild credit and are available to people with all kinds of credit backgrounds
Unlike a debit card or a pre-paid card, it helps build your credit history. As you pay your bill every month, we report to all three major credit-reporting agencies
Get 100% U.S.-based customer service & get your FICO® Credit Score for free each month
Fraud coverage if your card is lost or stolen. Access your account 24 hours a day, 7 days a week. Get help staying on track with Auto Pay and account alerts.
Card issued by Merrick Bank, Member FDIC

Rates & Fees

Regular Purchase APR: 17.45% variable based on the Prime Rate
Cash Advance APR: 22.45% variable based on the Prime Rate
Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
Annual Fee: $36 for first year. Billed $3 per month thereafter
Foreign Transaction Fee: 2% of the transaction amount in U.S. dollars
Late Payment Penalty Fee: Up to $40
Return Payment Penalty Fee: Up to $40
Minimum Deposit Required: $200

Credit Card Deals

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Best Benefits

Put down $200, which becomes your credit line. Then, if you qualify, double your credit line to $400 without making another deposit
Double your $200 credit line by making at least your minimum payment on time each month for the first 7 months your account is open
Secured Credit Cards are great for people looking to build or rebuild credit and are available to people with all kinds of credit backgrounds
Unlike a debit card or a pre-paid card, it helps build your credit history. We report your payment history to all three major credit-reporting agencies
Get 100% U.S.-based customer service & get your FICO® Credit Score for free each month
Fraud coverage if your card is lost or stolen. Access your account 24 hours a day, 7 days a week. Get help staying on track with available Auto Pay and account alerts
Card issued by Merrick Bank, Member FDIC

Rates & Fees

Regular Purchase APR: 17.45% variable based on the Prime Rate
Cash Advance APR: 22.45% variable based on the Prime Rate
Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
Annual Fee: $36 the first year. Billed $3 per month thereafter
Foreign Transaction Fee: 2% of the transaction amount in U.S. dollars
Late Payment Penalty Fee: Up to $40
Return Payment Penalty Fee: Up to $40
Minimum Deposit Required: $200

Credit Card Deals

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Best Benefits

Credit lines range from $500-$1,350 which double to $1,000-$2,700 after your account qualifies. No security deposit required
Double your credit line by making at least your minimum payment on time each month for the first 7 months your account is open
See if you are pre-approved within minutes, without affecting your credit score
Build or rebuild your credit. As you pay your bill every month, we report to all three major credit reporting agencies
Get 100% U.S.-based customer service & get your FICO® Credit Score for free each month
Fraud coverage if your card is lost or stolen. Access your account 24 hours a day, 7 days a week. Get help staying on track with Auto Pay and account alerts
Card issued by Merrick Bank, Member FDIC

Rates & Fees

Regular Purchase APR: 19.45% to 28.45% variable based on creditworthiness and the Prime Rate
Cash Advance APR: 24.95% to 33.45% variable based on creditworthiness and the Prime Rate
Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
Annual Fee: $0 to $72
Foreign Transaction Fee: 2% 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

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Best Benefits

Earn 1.5% unlimited cash back in bitcoin when you make payments
The simple way to earn bitcoin: make purchases on your card, make payments, earn bitcoin
No annual fees, no foreign transactions fees
Get pre-approved in seconds with no impact to your credit score
Pay with your phone or device by using Apple Pay™ or Google Pay™
Mobile app to access your account anytime, anywhere
Enjoy peace of mind with $0 Fraud liability

Rates & Fees

Regular Purchase APR: 8.99%-29.99% variable based on creditworthiness and the Prime Rate

Credit Card Deals

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Best Benefits

Earn 1.5% back in bitcoin on every purchase
No annual fee and no foreign transaction fees
Earn 2% back in bitcoin on every purchase over $50,000 of annual spending
Earn 3.5% back in bitcoin during your first 3 months of card ownership
Know if you're pre-approved without affecting your credit score

Rates & Fees

Regular Purchase APR: 14.99% to 24.99% variable based on creditworthiness and the Prime Rate
Late Payment Penalty Fee: Up to $25
Return Payment Penalty Fee: Up to $37

Credit Card Deals

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Best Benefits

Ideal for companies that struggle with expense reports, reimbursements, receipts, and expensive annual service contracts
Combines seamless expense management software with business cards so you never have to process another expense report
No interest rates
No annual fee
No contract, no obligations

Rates & Fees

Foreign Transaction Fee: See Terms
Late Payment Penalty Fee: See Terms
Return Payment Penalty Fee: See Terms

Credit Card Deals

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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

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Best Benefits

Receive one year of Amazon Prime Student on Deserve after spending $500 in the first three billing cycles with your EDU card (Lifetime Value of $59)
Earn 1% Cash Back on all purchases with your Deserve EDU Mastercard. Once approved, you'll automatically start earning cash back on all purchases
Feel secure with cell phone protection up to $600
No international transaction fees on purchases abroad so you can travel with confidence
No Social Security Number required for international students to apply

Rates & Fees

Regular Purchase APR: 18.74% variable based on the Prime Rate
Late Payment Penalty Fee: Up to $25
Return Payment Penalty Fee: Up to $37

Credit Card Deals

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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.

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, with a score of between 730 and 799 considered “good” to “very good.”

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, with a score of 681 to 780 considered “good.”

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.

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:

You qualify for most rewards credit cards
No security deposit required
You’ll enjoy some of the best signup bonuses
You receive longer 0% intro APR periods
Lower APR than applicants with fair credit

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:

Best for: Bitcoin Rewards

BlockFi Rewards Visa® Signature Credit Card

Earn Unlimited Cash Back Back in Bitcoin

Earn 1.5% Cash back Rewards in BTC on every purchase
Earn 2% back in bitcoin on every purchase over $50,000 of annual spending
Earn 3.5% back in bitcoin during your first 3 months

☆ Fast Online Pre-Approval

☆ Earn Bitcoin with Every Purchase

☆ No Annual Fee or Foreign Transaction Fees

☆ 24/7 Mobile App Access

Terms & Conditions

The BlockFi Bitcoin Rewards Visa Signature Card is a no annual fee crypto credit card from fintech BlockFi. The card earns an unlimited 1.5% cash back in Bitcoin (BTC) – a rate that jumps to 2% back in BTC after making $50,000 in purchases each calendar year.

Best for: Cash Back Rewards

Upgrade Triple Cash Rewards Visa®

Unlimited Cash Back on Purchases

Earn 3% on Home, Auto and Health categories and 1% on everything else
No fees of any kind!

☆ $0 Annual Fee, $0 Maintenance Fees

☆ Quick Online Pre-Approval

☆ Exceptionally Low APR

Terms & Conditions

The Upgrade Triple Cash Rewards Visa® is a versatile, impressive credit card for those that want an exceptional APR, solid rewards, and a whole lot more. The addition of up to 3% cash back on home, auto, and health purchases is equally impressive and makes the card an everyday earner that just so happens to help you reduce your existing credit card debt. Plus, since those rewards can be applied towards statement credits, using the card every day can really help put a dent in existing debt in no time!

Best for: Students

Deserve EDU Mastercard®

No Deposit Required & No Annual Fees

eceive one year of Amazon Prime Student on Deserve after spending $500 in the first three billing cycles
Feel secure with cell phone protection up to $600
Zero Fraud Liability

☆ 1% Cash Back on Purchases

☆ No Foreign Transaction fees

☆ Pay w/ Apple Pay™ or Google Pay™

☆ 24/7 Mobile App Access

Terms & Conditions

The Deserve EDU Mastercard is a versatile student rewards card that is also ideal for international students. The card is a no-annual-fee student credit card that’s ideal for international students (and US students, too). The Deserve EDU card emphasizes rewarding students while they build their credit. As such, Deserve offers a whole range of perks, including cell phone protection (through Mastercard), no foreign transaction fees, and one free year of Amazon Prime Student for new cardholders.

Best for:Gas Station Purchases

Sam's Club® Mastercard®

Doubles As Your Sam's Membership Card

Earn 5% cash back on gas anywhere Mastercard is accepted (on first $6,000 per year, then 1%)
Earn 3% cash back on dining and takeout

☆ No Annual Fees

☆ Earn Up to 5% Back w/ Sam's Plus

☆ No Foreign Transaction Fees

Terms & Conditions

The Sam’s Club® Mastercard® is a versatile cash back rewards card from Synchrony and leading wholesale retailer Sam’s Club. The card offers members exclusive savings and features no annual fee with a valid Sam’s Club membership. The card offers superior cash back on gas station purchases to many other co-branded credit cards, making it a valuable tool for the daily commute. Add to that the 3% back it earns on dining and Sam’s Club purchases (for Plus members), and this no annual fee card hits all the right notes to make it a lucrative earner for everyday use.