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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Upgrade Triple Cash Rewards Visa®

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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
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Save up to 30% on prescription refills 1-800-PetMeds Offer Expires on Dec 12, 2022 See Details
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Buy now, pay later with PayPal. Buckle Offer Expires on Sep 09, 2021 See Details
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Save 20% off sitewide 1800flowers.com Offer Expires on Jul 07, 2022 See Details
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Enjoy free standard shipping when you spend $49+ 1-800-PetMeds Offer Expires on Dec 12, 2022 See Details
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Save 5% at La Quinta Inns & Suites La Quinta Inns & Suites Offer Expires on Dec 12, 2021 See Details
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Get 10% off when you book online GO Shuttle Offer Expires on Oct 10, 2021 See Details
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Save 3% on all purchases Boost Mobile Offer Expires on Jan 01, 2022 See Details
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Rent a Wheels pedal-less E-Bike for safe and efficient Wheels Labs, Inc. Offer Expires on Aug 08, 2021 See Details
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Save 8% on all purchases Godiva Offer Expires on Aug 08, 2021 See Details
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Save 1% on all purchases over $40 Red Robin Offer Expires on Dec 12, 2021 See Details

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Deserve® PRO Mastercard

Deserve® PRO Mastercard
  • Regular Purchase APR 15.99% to 22.99% variable based on creditworthiness and the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Processing Network N/A
Best Benefits
  • No annual fee
  • No foreign transaction fees
  • Earn 3% cash back on travel purchases and 2% back on dining
Rates & Fees
  • Regular Purchase APR: 15.99% to 22.99% variable based on creditworthiness and the Prime Rate
  • Late Payment Penalty Fee: Up to $25
  • Return Payment Penalty Fee: Up to $37

Upgrade Visa® Card with Bitcoin Rewards

Upgrade Visa® Card with Bitcoin Rewards
  • Regular Purchase APR 8.99%-29.99% variable based on creditworthiness and the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Processing Network Visa
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
card
Save up to 30% on prescription refills 1-800-PetMeds Offer Expires on Dec 12, 2022 See Details
card
Buy now, pay later with PayPal. Buckle Offer Expires on Sep 09, 2021 See Details
card
Save 20% off sitewide 1800flowers.com Offer Expires on Jul 07, 2022 See Details
card
Enjoy free standard shipping when you spend $49+ 1-800-PetMeds Offer Expires on Dec 12, 2022 See Details
card
Save 5% at La Quinta Inns & Suites La Quinta Inns & Suites Offer Expires on Dec 12, 2021 See Details
card
Get 10% off when you book online GO Shuttle Offer Expires on Oct 10, 2021 See Details
card
Save 3% on all purchases Boost Mobile Offer Expires on Jan 01, 2022 See Details
card
Rent a Wheels pedal-less E-Bike for safe and efficient Wheels Labs, Inc. Offer Expires on Aug 08, 2021 See Details
card
Save 8% on all purchases Godiva Offer Expires on Aug 08, 2021 See Details
card
Save 1% on all purchases over $40 Red Robin Offer Expires on Dec 12, 2021 See Details

Bank of America® Unlimited Cash Rewards Credit Card

Bank of America® Unlimited Cash Rewards Credit 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 16.99% to 26.99% variable based on creditworthiness and the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Intro Purchase APR 0% for 15 months
  • Processing Network Visa
Best Benefits
  • No annual fee
  • Unlimited 1.5% cash back on every purchase
  • 0% Intro APR for the first 15 months on purchases and balance transfers
Rates & Fees
  • Intro Purchase APR: 0% for 15 months
  • Regular Purchase APR: 13.99% to 23.99% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for 15 months for transactions made within 60 days of account opening
  • Balance Transfer APR: 13.99% to 23.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Either $10 or 5% of the amount of each transaction, whichever is greater
  • Cash Advance APR: 16.99% 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: Up to 29.99%
  • Foreign Transaction Fee: 3% of the U.S. dollar amount of each transaction in U.S. dollars
  • Late Payment Penalty Fee: Up to $40
  • Return Payment Penalty Fee: Up to $29
Credit Card Deals
card
Save up to 30% on prescription refills 1-800-PetMeds Offer Expires on Dec 12, 2022 See Details
card
Buy now, pay later with PayPal. Buckle Offer Expires on Sep 09, 2021 See Details
card
Save 20% off sitewide 1800flowers.com Offer Expires on Jul 07, 2022 See Details
card
Enjoy free standard shipping when you spend $49+ 1-800-PetMeds Offer Expires on Dec 12, 2022 See Details
card
Save 5% at La Quinta Inns & Suites La Quinta Inns & Suites Offer Expires on Dec 12, 2021 See Details
card
Get 10% off when you book online GO Shuttle Offer Expires on Oct 10, 2021 See Details
card
Save 3% on all purchases Boost Mobile Offer Expires on Jan 01, 2022 See Details
card
Rent a Wheels pedal-less E-Bike for safe and efficient Wheels Labs, Inc. Offer Expires on Aug 08, 2021 See Details
card
Save 8% on all purchases Godiva Offer Expires on Aug 08, 2021 See Details
card
Save 1% on all purchases over $40 Red Robin Offer Expires on Dec 12, 2021 See Details

Ollo Optimum Mastercard

Ollo Optimum Mastercard
  • Regular Purchase APR 24.99% variable based on the Prime Rate
  • Balance Transfer APR 24.99% variable based on the Prime Rate
  • Cash Advance APR 24.99% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Good , Fair
  • Intro Purchase APR 0% for the first 15 months
  • Processing Network Mastercard
Best Benefits
  • No annual fee
  • No foreign transaction fees
  • Unlimited 2.5% cash back on all purchases
  • 0% introductory APR on purchases for 15 months from account opening
Rates & Fees
  • Intro Purchase APR: 0% for the first 15 months
  • Regular Purchase APR: 24.99% variable based on the Prime Rate
  • Intro Balance Transfer APR: 0% for the first 15 months
  • Balance Transfer APR: 24.99% variable based on the Prime Rate
  • Balance Transfer Transaction Fee: Either 4% or $5, whichever is greater
  • Cash Advance APR: 24.99% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either 5% or $10, whichever is greater
Credit Card Deals
card
Over 150,000 hotels in top destinations. Book now! Reservations.com Offer Expires on Jan 01, 2023 See Details
card
33% + Extra 10% off Hotel Stays Longer Than 7 Nights. OYO Hotels Offer Expires on Dec 12, 2021 See Details
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Bundle Sale: Get 35% off Tuffy Stereo Security Console and $75 off Alpine Radio. Morris 4x4 Offer Expires on Dec 12, 2050 See Details
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FREE Shipping and returns with any MOLECULE purchase. MOLECULE Offer Expires on Jan 01, 2099 See Details
card
New Customers Offer - 15% off Your First Order of Contacts Plus Free shipping. Coastal.com Offer Expires on Jun 06, 2025 See Details
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50% off Starter Kits. Candid Offer Expires on Dec 12, 2050 See Details
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Shop New Textbooks with Free Shipping! AbeBooks Offer Expires on Jan 01, 2099 See Details
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Special Offer 49% Off an Annual Membership! Receive 12-Months for Only $59.95! ABCmouse.com Offer Expires on Jan 01, 2099 See Details
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Save 5% AVIS Offer Expires on Dec 12, 2030 See Details
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Save 5% Budget Offer Expires on Dec 12, 2030 See Details

Chase Slate Edge

Chase Slate Edge
  • 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 Good , Fair
  • Intro Purchase APR 0% for the first 12 months
  • Processing Network Visa
Best Benefits
  • No annual fee
  • Lower your interest rate by 2% each year
  • Get an automatic, one-time review for a higher credit limit after six months
  • 0% introductory APR on purchases and balance transfers for 12 months from account opening
Rates & Fees
  • Intro Purchase APR: 0% for the first 12 months
  • Regular Purchase APR: 14.99% to 23.74% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for the first 12 months
  • Balance Transfer APR: 14.99% to 23.74% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Intro fee of either $5 or 3% of the amount of each transfer, whichever is greater, on transfers made within 60 days of account opening. After that: Either $5 or 5% of the amount of each transfer, whichever is greate
  • 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 29.995 variable based on the Prime Rate
  • Foreign Transaction Fee: 3% of the amount of each transaction in U.S. dollars
  • Late Payment Penalty Fee: Up to $40
  • Return Payment Penalty Fee: Up to $40
Credit Card Deals
card
Save up to 30% on prescription refills 1-800-PetMeds Offer Expires on Dec 12, 2022 See Details
card
Buy now, pay later with PayPal. Buckle Offer Expires on Sep 09, 2021 See Details
card
Save 20% off sitewide 1800flowers.com Offer Expires on Jul 07, 2022 See Details
card
Enjoy free standard shipping when you spend $49+ 1-800-PetMeds Offer Expires on Dec 12, 2022 See Details
card
Save 5% at La Quinta Inns & Suites La Quinta Inns & Suites Offer Expires on Dec 12, 2021 See Details
card
Get 10% off when you book online GO Shuttle Offer Expires on Oct 10, 2021 See Details
card
Save 3% on all purchases Boost Mobile Offer Expires on Jan 01, 2022 See Details
card
Rent a Wheels pedal-less E-Bike for safe and efficient Wheels Labs, Inc. Offer Expires on Aug 08, 2021 See Details
card
Save 8% on all purchases Godiva Offer Expires on Aug 08, 2021 See Details
card
Save 1% on all purchases over $40 Red Robin Offer Expires on Dec 12, 2021 See Details

Verizon Visa® Card

Verizon Visa® Card
  • Regular Purchase APR 18.49% or 22.49% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 18.49% or 22.49% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 29.99% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Processing Network Visa
Best Benefits
  • No annual fee
  • No foreign transaction fees
  • Earn 4% back on grocery store and gas purchase
  • Earn 3% back on dining purchases, including takeout
  • Earn 2% back on Verizon purchases
Rates & Fees
  • Regular Purchase APR: 18.49% or 22.49% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 18.49% or 22.49% 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: 29.99% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
  • Late Payment Penalty Fee: Up to $39
  • Return Payment Penalty Fee: $28
Credit Card Deals
card
Save up to 30% on prescription refills 1-800-PetMeds Offer Expires on Dec 12, 2022 See Details
card
Buy now, pay later with PayPal. Buckle Offer Expires on Sep 09, 2021 See Details
card
Save 20% off sitewide 1800flowers.com Offer Expires on Jul 07, 2022 See Details
card
Enjoy free standard shipping when you spend $49+ 1-800-PetMeds Offer Expires on Dec 12, 2022 See Details
card
Save 5% at La Quinta Inns & Suites La Quinta Inns & Suites Offer Expires on Dec 12, 2021 See Details
card
Get 10% off when you book online GO Shuttle Offer Expires on Oct 10, 2021 See Details
card
Save 3% on all purchases Boost Mobile Offer Expires on Jan 01, 2022 See Details
card
Rent a Wheels pedal-less E-Bike for safe and efficient Wheels Labs, Inc. Offer Expires on Aug 08, 2021 See Details
card
Save 8% on all purchases Godiva Offer Expires on Aug 08, 2021 See Details
card
Save 1% on all purchases over $40 Red Robin Offer Expires on Dec 12, 2021 See Details

Wells Fargo Active Cash Card

Wells Fargo Active Cash 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 25.99% 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 Visa
Best Benefits
  • No annual fee
  • 0% APR for 15 months on balance transfers and purchases
  • Earn unlimited 2% cash back on all eligible purchases
Rates & Fees
  • Intro Purchase APR: 0% for 15 months from account opening date
  • 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: Introductory fee of either $5 or 3% of the amount of each balance transfer, whichever is greater, for 120 days from account opening. After that, up to 5% for each balance transfer, with a minimum of $5
  • Cash Advance APR: 25.99% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 5% of the amount of each 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
card
Save up to 30% on prescription refills 1-800-PetMeds Offer Expires on Dec 12, 2022 See Details
card
Buy now, pay later with PayPal. Buckle Offer Expires on Sep 09, 2021 See Details
card
Save 20% off sitewide 1800flowers.com Offer Expires on Jul 07, 2022 See Details
card
Enjoy free standard shipping when you spend $49+ 1-800-PetMeds Offer Expires on Dec 12, 2022 See Details
card
Save 5% at La Quinta Inns & Suites La Quinta Inns & Suites Offer Expires on Dec 12, 2021 See Details
card
Get 10% off when you book online GO Shuttle Offer Expires on Oct 10, 2021 See Details
card
Save 3% on all purchases Boost Mobile Offer Expires on Jan 01, 2022 See Details
card
Rent a Wheels pedal-less E-Bike for safe and efficient Wheels Labs, Inc. Offer Expires on Aug 08, 2021 See Details
card
Save 8% on all purchases Godiva Offer Expires on Aug 08, 2021 See Details
card
Save 1% on all purchases over $40 Red Robin Offer Expires on Dec 12, 2021 See Details

Miami Marlins Credit Card

Miami Marlins 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
  • Earn 5% cash back at retail and concessions at loanDepot park
  • Earn 5X points on Marlins tickets
  • 3X points on dining, food delivery, gas, and drugstores
Rates & Fees
  • Regular Purchase APR: 13.99% to 25.99% variable based on creditworthiness and the Prime Rate
  • Penalty APR: Up to 29.99%
Credit Card Deals
card
Over 150,000 hotels in top destinations. Book now! Reservations.com Offer Expires on Jan 01, 2023 See Details
card
33% + Extra 10% off Hotel Stays Longer Than 7 Nights. OYO Hotels Offer Expires on Dec 12, 2021 See Details
card
Bundle Sale: Get 35% off Tuffy Stereo Security Console and $75 off Alpine Radio. Morris 4x4 Offer Expires on Dec 12, 2050 See Details
card
FREE Shipping and returns with any MOLECULE purchase. MOLECULE Offer Expires on Jan 01, 2099 See Details
card
New Customers Offer - 15% off Your First Order of Contacts Plus Free shipping. Coastal.com Offer Expires on Jun 06, 2025 See Details
card
50% off Starter Kits. Candid Offer Expires on Dec 12, 2050 See Details
card
Shop New Textbooks with Free Shipping! AbeBooks Offer Expires on Jan 01, 2099 See Details
card
Special Offer 49% Off an Annual Membership! Receive 12-Months for Only $59.95! ABCmouse.com Offer Expires on Jan 01, 2099 See Details
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Save 5% AVIS Offer Expires on Dec 12, 2030 See Details
card
Save 5% Budget Offer Expires on Dec 12, 2030 See Details

Quicken® World Mastercard®

Quicken® World Mastercard®
  • Regular Purchase APR 13.99% to 22.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 13.99% to 22.99% 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
  • Processing Network Mastercard
Best Benefits
  • No annual fee
  • Earn 2X points on recurring bills, including utilities, telephone, cable, club memberships, and even your Quicken software subscription
  • Earn 2X points on groceries and dining
Rates & Fees
  • Regular Purchase APR: 13.99% to 22.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 13.99% to 22.99% 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: 2% of each foreign purchase transaction or foreign ATM advance transaction in U.S. Dollars; 3% of each foreign purchase transaction or foreign ATM advance transaction in a Foreign Currency
  • Late Payment Penalty Fee: Up to $40
  • Return Payment Penalty Fee: Up to $40
Credit Card Deals
card
Over 150,000 hotels in top destinations. Book now! Reservations.com Offer Expires on Jan 01, 2023 See Details
card
33% + Extra 10% off Hotel Stays Longer Than 7 Nights. OYO Hotels Offer Expires on Dec 12, 2021 See Details
card
Bundle Sale: Get 35% off Tuffy Stereo Security Console and $75 off Alpine Radio. Morris 4x4 Offer Expires on Dec 12, 2050 See Details
card
FREE Shipping and returns with any MOLECULE purchase. MOLECULE Offer Expires on Jan 01, 2099 See Details
card
New Customers Offer - 15% off Your First Order of Contacts Plus Free shipping. Coastal.com Offer Expires on Jun 06, 2025 See Details
card
50% off Starter Kits. Candid Offer Expires on Dec 12, 2050 See Details
card
Shop New Textbooks with Free Shipping! AbeBooks Offer Expires on Jan 01, 2099 See Details
card
Special Offer 49% Off an Annual Membership! Receive 12-Months for Only $59.95! ABCmouse.com Offer Expires on Jan 01, 2099 See Details
card
Save 5% AVIS Offer Expires on Dec 12, 2030 See Details
card
Save 5% Budget Offer Expires on Dec 12, 2030 See Details

SmartHealth PayCard

SmartHealth PayCard
  • Regular Purchase APR 18%
  • Cash Advance APR See Terms
  • Annual Fee $120
  • Credit Needed Good , Fair , Poor
  • Processing Network Mastercard
Best Benefits
  • 90 seconds to apply, and get a virtual card for use immediately
  • Individual and family benefits of $5,000 accident and injury medical indemnity benefit coverage
  • SmartHealth Rx provides pharmacy discounts of up to 85% on most generic drugs
  • May also be used for veterinarian services
Rates & Fees
  • Regular Purchase APR: 18%
  • Cash Advance APR: See Terms
  • Cash Advance Transaction Fee: See Terms
  • Annual Fee: $120
  • Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: Up to $35
  • Return Payment Penalty Fee: Up to $35
Credit Card Deals
card
Over 150,000 hotels in top destinations. Book now! Reservations.com Offer Expires on Jan 01, 2023 See Details
card
33% + Extra 10% off Hotel Stays Longer Than 7 Nights. OYO Hotels Offer Expires on Dec 12, 2021 See Details
card
Bundle Sale: Get 35% off Tuffy Stereo Security Console and $75 off Alpine Radio. Morris 4x4 Offer Expires on Dec 12, 2050 See Details
card
FREE Shipping and returns with any MOLECULE purchase. MOLECULE Offer Expires on Jan 01, 2099 See Details
card
New Customers Offer - 15% off Your First Order of Contacts Plus Free shipping. Coastal.com Offer Expires on Jun 06, 2025 See Details
card
50% off Starter Kits. Candid Offer Expires on Dec 12, 2050 See Details
card
Shop New Textbooks with Free Shipping! AbeBooks Offer Expires on Jan 01, 2099 See Details
card
Special Offer 49% Off an Annual Membership! Receive 12-Months for Only $59.95! ABCmouse.com Offer Expires on Jan 01, 2099 See Details
card
Save 5% AVIS Offer Expires on Dec 12, 2030 See Details
card
Save 5% Budget Offer Expires on Dec 12, 2030 See Details

#

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!