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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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 5x points per dollar at more than 400 wineries, wine clubs, and other Grand Reserve Partners
  • Earn 3x points per dollar at any other winery, wine store, liquor store, restaurant, or bar
  • Earn 2x points per dollar everywhere else
  • Earn an additional 2 point per dollar bonus at your top wine merchant each month
  • Redeem your points from our sommelier-curated catalog of more than 450 products and experiences for the discerning wine lover
  • Receive discounts and upgrades at hundreds of wineries with your complimentary Priority Wine Pass membership
  • $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
  • Take a hike with an award-winning landscape photographer - Offer Expires on December 31, 2021 - See Details
  • Immerse yourself in the world of Italian food and wine - Offer Expires on January 24, 2031 - See Details
  • Save as you shop at London Designer Outlet - Offer Expires on December 31, 2021 - See Details
  • Achieve home office harmony with a Feng Shui session - Offer Expires on January 24, 2031 - See Details
  • Take a flawless makeup masterclass at Cosmetics à la Carte - Offer Expires on June 30, 2021 - See Details
  • Learn to DJ like an expert - Offer Expires on December 31, 2021 - See Details
  • Shop like a celebrity with LookStyler - Offer Expires on December 31, 2021 - See Details
  • Upgrade your stay in Belfast and see the city in style - Offer Expires on March 31, 2021 - See Details
  • Master gin and tonics with tips from two expert restaurateurs - Offer Expires on May 28, 2021 - See Details
  • Get a taste of the pirate's life with Miami Children's Museum - Offer Expires on January 22, 2031 - 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
  • 20% off + Free Shipping on Fanatics.com orders of $49+ - Offer Expires on April 15, 2021 - See Details
  • Stay 3, Pay 2 - Offer Expires on April 30, 2021 - See Details
  • Stay 3, Pay 2 - Offer Expires on December 22, 2021 - See Details
  • Save 10% on Select Regularly Priced Jewelry - Offer Expires on February 03, 2022 - See Details
  • Save 10% and complimentary daily breakfast for two with Preferred Hotels - Offer Expires on March 31, 2022 - See Details
  • Save $25 in the US with 1-800-GOT-JUNK? - Offer Expires on December 31, 2021 - See Details
  • Save 15%* off the Merchandise Value** of your purchase with promotion code VISA38 - Offer Expires on December 31, 2021 - See Details
  • Save 15%* off the Merchandise Value** of your purchase at Harry & David - Offer Expires on December 31, 2021 - See Details
  • Troon® Golf for Visa Infinite - Offer Expires on January 26, 2022 - See Details
  • Sonoma Wine Tastings 2:1 Offer with a Visa Signature or Visa Infinite Card - Offer Expires on December 31, 2021 - See Details
  • View All Deals -

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Date Reviewed: March 03, 2021

Capital on Tap Founder Rewards Business Visa

Capital on Tap Founder Rewards Business Visa
  • Regular Purchase APR 24.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 34.99% variable based on creditworthiness and the Prime Rate
  • Annual Fee $199
  • Credit Needed Excellent , Good , Fair
  • Processing Network Visa
Best Benefits
  • Unlimited 2% cash back on every purchase
  • Up to 20 additional employee cards free of charge
  • No foreign transaction fees
  • Interest rates as low as 9.99%
Rates & Fees
  • Regular Purchase APR: 24.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR: 34.99% variable based on creditworthiness and the Prime Rate
  • Penalty APR: 34.99% for 12 months
  • Annual Fee: $199
  • Late Payment Penalty Fee: $29
Credit Card Deals
  • 20% off + Free Shipping on Fanatics.com orders of $49+ - Offer Expires on April 15, 2021 - See Details
  • Stay 3, Pay 2 - Offer Expires on April 30, 2021 - See Details
  • Stay 3, Pay 2 - Offer Expires on December 22, 2021 - See Details
  • Save 10% on Select Regularly Priced Jewelry - Offer Expires on February 03, 2022 - See Details
  • Save 10% and complimentary daily breakfast for two with Preferred Hotels - Offer Expires on March 31, 2022 - See Details
  • Save $25 in the US with 1-800-GOT-JUNK? - Offer Expires on December 31, 2021 - See Details
  • Save 15%* off the Merchandise Value** of your purchase with promotion code VISA38 - Offer Expires on December 31, 2021 - See Details
  • Save 15%* off the Merchandise Value** of your purchase at Harry & David - Offer Expires on December 31, 2021 - See Details
  • Troon® Golf for Visa Infinite - Offer Expires on January 26, 2022 - See Details
  • Sonoma Wine Tastings 2:1 Offer with a Visa Signature or Visa Infinite Card - Offer Expires on December 31, 2021 - See Details
  • View All Deals -

Date Reviewed: March 03, 2021

Capital on Tap Regular Rewards Business Visa

Capital on Tap Regular Rewards Business Visa
  • Regular Purchase APR 24.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 34.99% variable based on creditworthiness and the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good , Fair
  • Processing Network Visa
Best Benefits
  • No annual fee
  • Unlimited 1% cash back on every purchase
  • Up to 20 additional employee cards free of charge
  • No foreign transaction fees
Rates & Fees
  • Regular Purchase APR: 24.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR: 34.99% variable based on creditworthiness and the Prime Rate
  • Penalty APR: 34.99% for 12 months
  • Late Payment Penalty Fee: $29
Credit Card Deals
  • 20% off + Free Shipping on Fanatics.com orders of $49+ - Offer Expires on April 15, 2021 - See Details
  • Stay 3, Pay 2 - Offer Expires on April 30, 2021 - See Details
  • Stay 3, Pay 2 - Offer Expires on December 22, 2021 - See Details
  • Save 10% on Select Regularly Priced Jewelry - Offer Expires on February 03, 2022 - See Details
  • Save 10% and complimentary daily breakfast for two with Preferred Hotels - Offer Expires on March 31, 2022 - See Details
  • Save $25 in the US with 1-800-GOT-JUNK? - Offer Expires on December 31, 2021 - See Details
  • Save 15%* off the Merchandise Value** of your purchase with promotion code VISA38 - Offer Expires on December 31, 2021 - See Details
  • Save 15%* off the Merchandise Value** of your purchase at Harry & David - Offer Expires on December 31, 2021 - See Details
  • Troon® Golf for Visa Infinite - Offer Expires on January 26, 2022 - See Details
  • Sonoma Wine Tastings 2:1 Offer with a Visa Signature or Visa Infinite Card - Offer Expires on December 31, 2021 - See Details
  • View All Deals -

Date Reviewed: March 02, 2021

FordPass™ Rewards Visa® Signature Card

FordPass™ Rewards Visa® Signature Card
  • Regular Purchase APR 15.99% to 26.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 15.99% to 26.99% 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
  • Intro Purchase APR 0% for 6 months on Ford purchases over $499
  • Processing Network Visa
Best Benefits
  • No annual fee
  • 5% back on Ford Dealership purchases
  • 3% back on gas, auto insurance, tolls, parking, and dining
  • 10% back on Ford services
  • 0% for 6 months on Ford purchases over $499
Rates & Fees
  • Intro Purchase APR: 0% for 6 months on Ford purchases over $499
  • Regular Purchase APR: 15.99% to 26.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 15.99% to 26.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Either $10 or 5% 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 $15 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 $35
Credit Card Deals
  • 20% off + Free Shipping on Fanatics.com orders of $49+ - Offer Expires on April 15, 2021 - See Details
  • Stay 3, Pay 2 - Offer Expires on April 30, 2021 - See Details
  • Stay 3, Pay 2 - Offer Expires on December 22, 2021 - See Details
  • Save 10% on Select Regularly Priced Jewelry - Offer Expires on February 03, 2022 - See Details
  • Save 10% and complimentary daily breakfast for two with Preferred Hotels - Offer Expires on March 31, 2022 - See Details
  • Save $25 in the US with 1-800-GOT-JUNK? - Offer Expires on December 31, 2021 - See Details
  • Save 15%* off the Merchandise Value** of your purchase with promotion code VISA38 - Offer Expires on December 31, 2021 - See Details
  • Save 15%* off the Merchandise Value** of your purchase at Harry & David - Offer Expires on December 31, 2021 - See Details
  • Troon® Golf for Visa Infinite - Offer Expires on January 26, 2022 - See Details
  • Sonoma Wine Tastings 2:1 Offer with a Visa Signature or Visa Infinite Card - Offer Expires on December 31, 2021 - See Details
  • View All Deals -

Date Reviewed: February 25, 2021

Free Spirit® Points Mastercard®

Free Spirit® Points Mastercard®
  • Regular Purchase APR 26.99% to 29.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 26.99% to 29.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 27.99% to 31.99% variable based on creditworthiness and the Prime Rate
  • Annual Fee $0 or $75
  • Credit Needed Good , Fair
  • Processing Network Mastercard
Best Benefits
  • No annual fee
  • No foreign transaction fees
  • 2X points on Spirit purchases
  • 1X points on all other purchases
  • Points never expire
Rates & Fees
  • Regular Purchase APR: 26.99% to 29.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 26.99% to 29.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Either $5 or 4% of the amount of each Balance Transfer, whichever is greater
  • Cash Advance APR: 27.99% to 31.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 5% of the amount of each Cash Advance, whichever is greater
  • Annual Fee: $0 or $75
  • Late Payment Penalty Fee: Up to $40
  • Return Payment Penalty Fee: Up to $40
Credit Card Deals
  • Take a hike with an award-winning landscape photographer - Offer Expires on December 31, 2021 - See Details
  • Immerse yourself in the world of Italian food and wine - Offer Expires on January 24, 2031 - See Details
  • Save as you shop at London Designer Outlet - Offer Expires on December 31, 2021 - See Details
  • Achieve home office harmony with a Feng Shui session - Offer Expires on January 24, 2031 - See Details
  • Take a flawless makeup masterclass at Cosmetics à la Carte - Offer Expires on June 30, 2021 - See Details
  • Learn to DJ like an expert - Offer Expires on December 31, 2021 - See Details
  • Shop like a celebrity with LookStyler - Offer Expires on December 31, 2021 - See Details
  • Upgrade your stay in Belfast and see the city in style - Offer Expires on March 31, 2021 - See Details
  • Master gin and tonics with tips from two expert restaurateurs - Offer Expires on May 28, 2021 - See Details
  • Get a taste of the pirate's life with Miami Children's Museum - Offer Expires on January 22, 2031 - See Details
  • View All Deals -

Date Reviewed: February 16, 2021

American Savings Bank Platinum Edition Visa Card

American Savings Bank Platinum Edition Visa Card
  • Regular Purchase APR 14.24% to 23.24% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 14.24% to 23.24% 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 , Fair
  • Processing Network Visa
Best Benefits
  • No annual fee
  • 0% introductory APR on balance transfers for 15 months
  • Low APR
Rates & Fees
  • Regular Purchase APR: 14.24% to 23.24% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for the first 14 months
  • Balance Transfer APR: 14.24% to 23.24% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Either $10 or 5% 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 $15 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 $35
Credit Card Deals
  • 20% off + Free Shipping on Fanatics.com orders of $49+ - Offer Expires on April 15, 2021 - See Details
  • Stay 3, Pay 2 - Offer Expires on April 30, 2021 - See Details
  • Stay 3, Pay 2 - Offer Expires on December 22, 2021 - See Details
  • Save 10% on Select Regularly Priced Jewelry - Offer Expires on February 03, 2022 - See Details
  • Save 10% and complimentary daily breakfast for two with Preferred Hotels - Offer Expires on March 31, 2022 - See Details
  • Save $25 in the US with 1-800-GOT-JUNK? - Offer Expires on December 31, 2021 - See Details
  • Save 15%* off the Merchandise Value** of your purchase with promotion code VISA38 - Offer Expires on December 31, 2021 - See Details
  • Save 15%* off the Merchandise Value** of your purchase at Harry & David - Offer Expires on December 31, 2021 - See Details
  • Troon® Golf for Visa Infinite - Offer Expires on January 26, 2022 - See Details
  • Sonoma Wine Tastings 2:1 Offer with a Visa Signature or Visa Infinite Card - Offer Expires on December 31, 2021 - See Details
  • View All Deals -

Date Reviewed: February 16, 2021

American Savings Bank Maximum Rewards Visa Card

American Savings Bank Maximum Rewards Visa Card
  • Regular Purchase APR 18.24% to 28.24% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 18.24% to 28.24% 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
  • Intro Purchase APR 0% for 6 months from account opening date
  • Processing Network Visa
Best Benefits
  • No annual fee
  • Unlimited 1.5% cash back on every purchase
  • 0% Intro APR for the first 6 months on purchases and balance transfers
  • Rewards expire after 5 years
Rates & Fees
  • Intro Purchase APR: 0% for 6 months from account opening date
  • Regular Purchase APR: 18.24% to 28.24% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for 6 months from account opening date
  • Balance Transfer APR: 18.24% to 28.24% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Either $10 or 5% 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 $15 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 $35
Credit Card Deals
  • 20% off + Free Shipping on Fanatics.com orders of $49+ - Offer Expires on April 15, 2021 - See Details
  • Stay 3, Pay 2 - Offer Expires on April 30, 2021 - See Details
  • Stay 3, Pay 2 - Offer Expires on December 22, 2021 - See Details
  • Save 10% on Select Regularly Priced Jewelry - Offer Expires on February 03, 2022 - See Details
  • Save 10% and complimentary daily breakfast for two with Preferred Hotels - Offer Expires on March 31, 2022 - See Details
  • Save $25 in the US with 1-800-GOT-JUNK? - Offer Expires on December 31, 2021 - See Details
  • Save 15%* off the Merchandise Value** of your purchase with promotion code VISA38 - Offer Expires on December 31, 2021 - See Details
  • Save 15%* off the Merchandise Value** of your purchase at Harry & David - Offer Expires on December 31, 2021 - See Details
  • Troon® Golf for Visa Infinite - Offer Expires on January 26, 2022 - See Details
  • Sonoma Wine Tastings 2:1 Offer with a Visa Signature or Visa Infinite Card - Offer Expires on December 31, 2021 - See Details
  • View All Deals -

Date Reviewed: February 09, 2021

Deserve® EDU Mastercard

Deserve® EDU Mastercard
  • Regular Purchase APR 18.74% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Processing Network Mastercard
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
  • Take a hike with an award-winning landscape photographer - Offer Expires on December 31, 2021 - See Details
  • Immerse yourself in the world of Italian food and wine - Offer Expires on January 24, 2031 - See Details
  • Save as you shop at London Designer Outlet - Offer Expires on December 31, 2021 - See Details
  • Achieve home office harmony with a Feng Shui session - Offer Expires on January 24, 2031 - See Details
  • Take a flawless makeup masterclass at Cosmetics à la Carte - Offer Expires on June 30, 2021 - See Details
  • Learn to DJ like an expert - Offer Expires on December 31, 2021 - See Details
  • Shop like a celebrity with LookStyler - Offer Expires on December 31, 2021 - See Details
  • Upgrade your stay in Belfast and see the city in style - Offer Expires on March 31, 2021 - See Details
  • Master gin and tonics with tips from two expert restaurateurs - Offer Expires on May 28, 2021 - See Details
  • Get a taste of the pirate's life with Miami Children's Museum - Offer Expires on January 22, 2031 - See Details
  • View All Deals -

Date Reviewed: January 28, 2021

Brex Mastercard® Corporate Credit Card

Brex Mastercard® Corporate Credit Card
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Processing Network Mastercard
Best Benefits
  • 10-20X higher limits than traditional business credit cards
  • No personal guarantee required
  • No fees and no interest charges
  • Create virtual credit cards for your team as soon as you're approved
  • Built-in QuickBooks, NetSuite, and Xero integrations
Rates & Fees
    Credit Card Deals
    • Take a hike with an award-winning landscape photographer - Offer Expires on December 31, 2021 - See Details
    • Immerse yourself in the world of Italian food and wine - Offer Expires on January 24, 2031 - See Details
    • Save as you shop at London Designer Outlet - Offer Expires on December 31, 2021 - See Details
    • Achieve home office harmony with a Feng Shui session - Offer Expires on January 24, 2031 - See Details
    • Take a flawless makeup masterclass at Cosmetics à la Carte - Offer Expires on June 30, 2021 - See Details
    • Learn to DJ like an expert - Offer Expires on December 31, 2021 - See Details
    • Shop like a celebrity with LookStyler - Offer Expires on December 31, 2021 - See Details
    • Upgrade your stay in Belfast and see the city in style - Offer Expires on March 31, 2021 - See Details
    • Master gin and tonics with tips from two expert restaurateurs - Offer Expires on May 28, 2021 - See Details
    • Get a taste of the pirate's life with Miami Children's Museum - Offer Expires on January 22, 2031 - See Details
    • View All Deals -

    Date Reviewed: March 02, 2021

    Free Spirit® Travel World Mastercard®

    Free Spirit® Travel World Mastercard®
    • 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 18.99% to 26.99% variable based on creditworthiness and the Prime Rate
    • Annual Fee None
    • Credit Needed Good
    • Processing Network Mastercard
    Best Benefits
    • 2 points per dollar spent on eligible Spirit purchases
    • No limit to the points you can earn and no points expiration
    • No foreign transaction fees
    • No annual fee
    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: Either $10 or 3% of the amount of each transaction, whichever is greater
    • Cash Advance APR: 18.99% to 26.99% variable based on creditworthiness and the Prime Rate
    • Cash Advance Transaction Fee: Either $10 or 3% of the amount of each transaction, whichever is greater
    • Penalty APR: 29.99%
    • Late Payment Penalty Fee: Up to $40
    • Return Payment Penalty Fee: Up to $29
    Credit Card Deals
    • Take a hike with an award-winning landscape photographer - Offer Expires on December 31, 2021 - See Details
    • Immerse yourself in the world of Italian food and wine - Offer Expires on January 24, 2031 - See Details
    • Save as you shop at London Designer Outlet - Offer Expires on December 31, 2021 - See Details
    • Achieve home office harmony with a Feng Shui session - Offer Expires on January 24, 2031 - See Details
    • Take a flawless makeup masterclass at Cosmetics à la Carte - Offer Expires on June 30, 2021 - See Details
    • Learn to DJ like an expert - Offer Expires on December 31, 2021 - See Details
    • Shop like a celebrity with LookStyler - Offer Expires on December 31, 2021 - See Details
    • Upgrade your stay in Belfast and see the city in style - Offer Expires on March 31, 2021 - See Details
    • Master gin and tonics with tips from two expert restaurateurs - Offer Expires on May 28, 2021 - See Details
    • Get a taste of the pirate's life with Miami Children's Museum - Offer Expires on January 22, 2031 - See Details
    • View All Deals -

    Date Reviewed: March 02, 2021

    Free Spirit® Travel More World Elite Mastercard®

    Free Spirit® Travel More World Elite Mastercard®
    • 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 18.99% to 26.99% variable based on creditworthiness and the Prime Rate
    • Annual Fee $0 for the first year; after that $79
    • Credit Needed Excellent , Good
    • Processing Network Mastercard
    Best Benefits
    • Earn 3 points per $1 spent on eligible Spirit purchases
    • 2 points per $1 spent on eligible dining and grocery store purchases
    • No foreign transaction fees
    • Points never expire
    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: Either $10 or 3% of the amount of each transaction, whichever is greater
    • Cash Advance APR: 18.99% to 26.99% variable based on creditworthiness and the Prime Rate
    • Cash Advance Transaction Fee: Either $10 or 3% of the amount of each transaction, whichever is greater
    • Penalty APR: 29.99%
    • Annual Fee: $0 for the first year; after that $79
    • Late Payment Penalty Fee: Up to $40
    • Return Payment Penalty Fee: Up to $29
    Credit Card Deals
    • Take a hike with an award-winning landscape photographer - Offer Expires on December 31, 2021 - See Details
    • Immerse yourself in the world of Italian food and wine - Offer Expires on January 24, 2031 - See Details
    • Save as you shop at London Designer Outlet - Offer Expires on December 31, 2021 - See Details
    • Achieve home office harmony with a Feng Shui session - Offer Expires on January 24, 2031 - See Details
    • Take a flawless makeup masterclass at Cosmetics à la Carte - Offer Expires on June 30, 2021 - See Details
    • Learn to DJ like an expert - Offer Expires on December 31, 2021 - See Details
    • Shop like a celebrity with LookStyler - Offer Expires on December 31, 2021 - See Details
    • Upgrade your stay in Belfast and see the city in style - Offer Expires on March 31, 2021 - See Details
    • Master gin and tonics with tips from two expert restaurateurs - Offer Expires on May 28, 2021 - See Details
    • Get a taste of the pirate's life with Miami Children's Museum - Offer Expires on January 22, 2031 - 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 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!