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The Owner's Rewards Card by M1
- Regular Purchase APR 16.49% to 26.49% variable based on creditworthiness and the Prime Rate
- Annual Fee $95 (waived for active M1 Plus customers)
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Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Excellent , Good
- Processing Network Visa
- Earn up to 10% cash back* with the Owner's Rewards Card by M1. Then, reinvest your rewards for long-term growth
- Shop with select brands you hold in an eligible portfolio to earn 2.5%, 5%, or 10% cash back. Get 1.5% cash back on everything else
- Use M1 automation to easily reinvest your rewards for long-term impact
- Integrate even more of your financial life in one place, while helping you grow and maximize your wealth with everyday transactions
- Visa Signature® benefits including Zero Liability, exclusive experiences, and more
- $95 credit card annual fee waived for active M1 plus members
- Your first year of M1 Plus is free—a $125 value! Get exclusive features and discounts to help you build your wealth
- Regular Purchase APR: 16.49% to 26.49% variable based on creditworthiness and the Prime Rate
- Annual Fee: $95 (waived for active M1 Plus customers)
- Late Payment Penalty Fee: Up to $25
- Return Payment Penalty Fee: Up to $37








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Join today!Aspiration Zero Credit Card
- Regular Purchase APR 13.15% to 22.95% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 13.15% to 22.95% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 19.75% to 24.75% variable based on creditworthiness and the Prime Rate
- Annual Fee $60
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Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Excellent , Good
- Processing Network Mastercard
- Plant a tree with every purchase
- Reach carbon neutral and earn 1% cash back for every purchase in that billing period
- Sustainable card design, made with plant-based materials
- Regular Purchase APR: 13.15% to 22.95% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 13.15% to 22.95% 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: 19.75% to 24.75% variable based on creditworthiness and the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each transfer, whichever is greater
- Annual Fee: $60
- Foreign Transaction Fee: 2% of each transaction in U.S. dollars
- Late Payment Penalty Fee: Up to $10
- Return Payment Penalty Fee: Up to $35










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Join today!Sam's Club® Mastercard®
- Regular Purchase APR 15.90% or 23.90% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 15.90% or 23.90% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 15.90% or 23.90% variable based on creditworthiness and the Prime Rate
- Annual Fee None
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Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Excellent , Good , Fair
- Processing Network Mastercard
- 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
- Regular Purchase APR: 15.90% or 23.90% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 15.90% or 23.90% 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: 15.90% or 23.90% 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










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Join today!Merrick Bank Secured Credit Card
- Regular Purchase APR 19.70% variable based on the Prime Rate
- Cash Advance APR 24.70% variable based on the Prime Rate
- Annual Fee $36 for first year. Billed $3 per month thereafter
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Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Good , Fair , Poor
- Processing Network Mastercard
- 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. We report your payment history to all three major credit-reporting agencies
- 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
- Regular Purchase APR: 19.70% variable based on the Prime Rate
- Cash Advance APR: 24.70% 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










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Join today!Merrick Bank Double Your Line® Secured Credit Card
- Regular Purchase APR 19.70% variable based on the Prime Rate
- Cash Advance APR 24.70% variable based on the Prime Rate
- Annual Fee $36 the first year. Billed $3 per month thereafter
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Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Good , Fair , Poor
- Processing Network Mastercard
- 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 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
- Regular Purchase APR: 19.70% variable based on the Prime Rate
- Cash Advance APR: 24.70% 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










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Join today!Merrick Bank Double Your Line® Mastercard®
- Regular Purchase APR 21.70% to 30.70% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 26.70% to 35.70% variable based on creditworthiness and the Prime Rate
- Annual Fee $0 to $72
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Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Good , Fair , Poor
- Processing Network Mastercard
- Credit lines range from $550-$1,350 which double to $1,100-$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 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
- Regular Purchase APR: 21.70% to 30.70% variable based on creditworthiness and the Prime Rate
- Cash Advance APR: 26.70% to 35.70% 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










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Join today!Upgrade Visa® Card with Bitcoin Rewards
- Regular Purchase APR 8.99%-29.99% variable based on creditworthiness and the Prime Rate
- Annual Fee None
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Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Excellent , Good
- Processing Network Visa
- 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
- Earn a $200 bonus on your Upgrade Card after opening a Rewards Checking account and making 3 debit card transactions*
- 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
- *To qualify for the $200 welcome bonus, you must open and fund a new Rewards Checking account and make 3 debit card transactions within 60 days of your Upgrade Card account opening. The bonus will be applied as a one-time credit to your account and will not otherwise reduce the amount of your regular monthly payments. The bonus credit will be posted to your Upgrade Card as a rewards credit within 1-2 billing periods following the third debit card transaction on your Rewards Checking account. Your Upgrade Card must be in good standing to receive a bonus.
- Regular Purchase APR: 8.99%-29.99% variable based on creditworthiness and the Prime Rate








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Join today!Citi Custom Cash℠ Card
- Regular Purchase APR 16.24% - 26.24% (Variable)
- Balance Transfer APR 16.24% - 26.24% (Variable)
- Cash Advance APR 27.49% (Variable)
- Annual Fee $0
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Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Excellent , Good
- Intro Purchase APR 0% for 15 months on Purchases
- Processing Network Mastercard
- Earn $200 in cash back after you spend $750 on purchases in the first 3 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
- 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 16.24% - 26.24%, based on your creditworthiness.
- Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
- No rotating bonus categories to sign up for - as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
- No Annual Fee
- Citi will only issue one Citi Custom Cash℠ Card account per person.
- Intro Purchase APR: 0% for 15 months on Purchases
- Regular Purchase APR: 16.24% - 26.24% (Variable)
- Intro Balance Transfer APR: 0% for 15 months on Balance Transfers
- Balance Transfer APR: 16.24% - 26.24% (Variable)
- Balance Transfer Transaction Fee: 5% of each balance transfer; $5 minimum.
- Cash Advance APR: 27.49% (Variable)
- Cash Advance Transaction Fee: 5% of each cash advance; $10 minimum
- Penalty APR: Up to 29.99% (Variable)
- Annual Fee: $0
- Foreign Transaction Fee: 3%
- Late Payment Penalty Fee: Up to $41
- Return Payment Penalty Fee: Up to $41










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Join today!BlockFi Rewards Visa® Signature Credit Card
- Regular Purchase APR 15.74% to 25.74% variable based on creditworthiness and the Prime Rate
- Annual Fee None
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Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Excellent , Good
- Processing Network Visa
- 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
- Regular Purchase APR: 15.74% to 25.74% variable based on creditworthiness and the Prime Rate
- Late Payment Penalty Fee: Up to $25
- Return Payment Penalty Fee: Up to $37








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Join today!Divvy Credit Card
- Annual Fee None
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Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Excellent , Good , Fair
- Processing Network Visa
- 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
- Foreign Transaction Fee: See Terms
- Late Payment Penalty Fee: See Terms
- Return Payment Penalty Fee: See Terms








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Join today!You've viewed 10 of 589 credit cards
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?
Now that you know what to look out for, what are the best credit cards for good credit of 2022? 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:
BlockFi Rewards Visa® Signature Credit Card

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Earn 1.5% Cash back Rewards in BTC on every purchase
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Earn 2% back in bitcoin on every purchase over $50,000 of annual spending
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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
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.
Upgrade Triple Cash Rewards Visa®

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Earn 3% on Home, Auto and Health categories and 1% on everything else
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No fees of any kind!
☆ $0 Annual Fee, $0 Maintenance Fees
☆ Quick Online Pre-Approval
☆ Exceptionally Low APR
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!
Deserve EDU Mastercard®

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Receive one year of Amazon Prime Student on Deserve after spending $500 in the first three billing cycles
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Feel secure with cell phone protection up to $600
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Zero Fraud Liability
☆ 1% Cash Back on Purchases
☆ No Foreign Transaction fees
☆ Pay w/ Apple Pay™ or Google Pay™
☆ 24/7 Mobile App Access
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.
Sam's Club® Mastercard®

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Earn 5% cash back on gas anywhere Mastercard is accepted (on first $6,000 per year, then 1%)
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Earn 3% cash back on dining and takeout
☆ No Annual Fees
☆ Earn Up to 5% Back w/ Sam's Plus
☆ No Foreign Transaction Fees
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.