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Discover the Best Credit Cards for Good Credit Scores

Finding the best credit cards for good credit scores can be daunting. Let Bestcards.com help you choose among credit cards for good credit with its comprehensive credit card reviews. Take a look at the selection below and find your ideal match today.

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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

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
  • Every 4th Night Free + Premium Benefits in Brooklyn - Offer Expires on February 28, 2021 - See Details
  • Every 4th Night Free + Premium Benefits in New York - Offer Expires on February 28, 2021 - See Details
  • Every 4th Night Free + Premium Benefits in West Hollywood - Offer Expires on February 28, 2021 - 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
  • View All Deals -

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Showing 632 Cards

Date Reviewed: January 25, 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

Date Reviewed: January 21, 2021

Grand Reserve™ World Mastercard®

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

Date Reviewed: January 11, 2021

Petal 2 Visa® Credit Card

Petal 2 Visa® Credit Card
  • Regular Purchase APR 12.99% to 26.99% variable based on creditworthiness and the Prime Rate
  • Annual Fee None
  • Credit Needed Good , Fair
  • Processing Network Visa
Best Benefits
  • No annual fee
  • No foreign transaction fees
  • Up to 1.5% cash back after making 12 on-time monthly payments
  • Up to 10% back with select merchants
Rates & Fees
  • Regular Purchase APR: 12.99% to 26.99% 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
  • Every 4th Night Free + Premium Benefits in Brooklyn - Offer Expires on February 28, 2021 - See Details
  • Every 4th Night Free + Premium Benefits in New York - Offer Expires on February 28, 2021 - See Details
  • Every 4th Night Free + Premium Benefits in West Hollywood - Offer Expires on February 28, 2021 - 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
  • View All Deals -

Date Reviewed: January 08, 2021

Venmo Visa Credit Card

Venmo Visa Credit Card
  • Regular Purchase APR 15.24% to 24.24% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 24.24% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Processing Network Visa
Best Benefits
  • Earn custom cash back rewards – up to 3% on your top spend category
  • Syncs seamlessly with the Venmo app
  • Visa contactless technology allows you to shop securely at contactless-enabled terminals
  • Choose from various colors, and each card contains a unique QR code that takes users straight to your profile
  • No annual fee
Rates & Fees
  • Regular Purchase APR: 15.24% to 24.24% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR: 24.24% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
  • Late Payment Penalty Fee: Up to $40
  • Return Payment Penalty Fee: Up to $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
  • Every 4th Night Free + Premium Benefits in Brooklyn - Offer Expires on February 28, 2021 - See Details
  • Every 4th Night Free + Premium Benefits in New York - Offer Expires on February 28, 2021 - See Details
  • Every 4th Night Free + Premium Benefits in West Hollywood - Offer Expires on February 28, 2021 - 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
  • View All Deals -

Date Reviewed: January 08, 2021

SoFi Credit Card

SoFi Credit Card
  • Regular Purchase APR 12.99% to 24.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 12.99% to 24.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 26.99% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Processing Network Mastercard
Best Benefits
  • Earn 1% cash back on all eligible purchases. When you redeem it to pay down eligible debt, save, or invest with SoFi, you'll earn an additional 1% cash back
  • Get a 1% lower APR when you make 12 on-time payments
  • No annual fee
  • Earn additional rewards when you spend with Lyft, ShopRunner, and Boxed
Rates & Fees
  • Regular Purchase APR: 12.99% to 24.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 12.99% to 24.99% 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: 26.99% 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: Up to $39

Date Reviewed: January 04, 2021

Jasper Mastercard®

Jasper Mastercard®
  • Regular Purchase APR 15.49% to 24.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 24.99% to 29.99% variable based on creditworthiness and the Prime Rate
  • Annual Fee None
  • Credit Needed Good , Fair , Poor , No Credit Required
  • Processing Network Mastercard
Best Benefits
  • Earn 1% cash back automatically anywhere you shop
  • A credit history is not required to apply
  • Get up to a $5,000 credit limit
  • Unique autopay settings, push notifications, and utilization alerts help manage your account
Rates & Fees
  • Regular Purchase APR: 15.49% to 24.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR: 24.99% to 29.99% 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
  • Late Payment Penalty Fee: Up to $27
  • Return Payment Penalty Fee: Up to $27

Date Reviewed: December 31, 2020

Deserve® EDU Mastercard

Deserve® EDU Mastercard
  • Regular Purchase APR 18.74% variable based on creditworthiness and the Prime Rate
  • Annual Fee None
  • Credit Needed Good , Fair
  • Processing Network Mastercard
Best Benefits
  • Earn 1% Cash Back on all purchases with your Deserve EDU Mastercard. Once approved, you'll automatically start earning cash back on all purchases
  • 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)
  • Feel secure with cell phone protection up to $600
  • No international transaction fees on purchases abroad so you can travel with confidence
  • Manage and track your spending, set automatic payments and securely freeze your card all through one easy to use app
Rates & Fees
  • Regular Purchase APR: 18.74% variable based on creditworthiness and the Prime Rate
  • Late Payment Penalty Fee: Up to $25. First late fee waived
  • Return Payment Penalty Fee: Up to $37

Date Reviewed: December 31, 2020

Alliant Cashback Visa Signature Credit Card

Alliant Cashback Visa Signature Credit Card
  • Regular Purchase APR 12.24% to 22.24% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 12.24% to 22.24% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 20.24% to 24.24% variable based on the Prime Rate
  • Annual Fee None the first year. After that, $99
  • Credit Needed Excellent , Good
  • Processing Network Visa
Best Benefits
  • Earn 2.5% cash back with no categories to keep track of
  • Earn up to $250 in cash back per billing cycle
  • Use this card with Apple Pay, Google Pay, and Samsung Pay
  • No foreign transaction fees
  • $99 annual fee waived for the first year
Rates & Fees
  • Regular Purchase APR: 12.24% to 22.24% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 12.24% to 22.24% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: 3% of the amount of each transfer
  • Cash Advance APR: 20.24% to 24.24% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 3% of the amount of each cash advance, whichever is greater
  • Penalty APR: 25.24% variable based on the Prime Rate
  • Annual Fee: None the first year. After that, $99
  • Late Payment Penalty Fee: Up to $27
  • Return Payment Penalty Fee: Up to $27
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
  • Every 4th Night Free + Premium Benefits in Brooklyn - Offer Expires on February 28, 2021 - See Details
  • Every 4th Night Free + Premium Benefits in New York - Offer Expires on February 28, 2021 - See Details
  • Every 4th Night Free + Premium Benefits in West Hollywood - Offer Expires on February 28, 2021 - 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
  • View All Deals -

Date Reviewed: December 31, 2020

Alliant Visa Platinum Credit Card

Alliant Visa Platinum Credit Card
  • Regular Purchase APR 10.24% to 22.24% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 10.24% to 22.24% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 19.24% to 24.24% variable based on creditworthiness and the Prime Rate
  • Annual Fee None
  • Credit Needed Good , Fair
  • Intro Purchase APR 0% to 5.99%, based on creditworthiness, for 12 months from account opening date
  • Processing Network Visa
Best Benefits
  • Get an introductory APR as low as 0% on purchases and balance transfers for 12 months from the date of account opening
  • Low standard APRs and generous credit lines
  • No annual fee
  • Earn 0.55% annual percentage yield with an Alliant savings account – 7X the national average
Rates & Fees
  • Intro Purchase APR: 0% to 5.99%, based on creditworthiness, for 12 months from account opening date
  • Regular Purchase APR: 10.24% to 22.24% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% to 5.99%, based on creditworthiness, for 12 months from account opening date
  • Balance Transfer APR: 10.24% to 22.24% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Either $5 or 2% of the amount of each balance transfer, whichever is greater
  • Cash Advance APR: 19.24% to 24.24% variable based on creditworthiness and the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 3% of the amount of each cash advance, whichever is greater
  • Penalty APR: 25.24% variable based on the Prime Rate
  • Foreign Transaction Fee: 2% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: Up to $27
  • Return Payment Penalty Fee: Up to $27
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
  • Every 4th Night Free + Premium Benefits in Brooklyn - Offer Expires on February 28, 2021 - See Details
  • Every 4th Night Free + Premium Benefits in New York - Offer Expires on February 28, 2021 - See Details
  • Every 4th Night Free + Premium Benefits in West Hollywood - Offer Expires on February 28, 2021 - 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
  • View All Deals -

Date Reviewed: December 31, 2020

SchoolsFirst FCU Inspire Mastercard Credit Card

SchoolsFirst FCU Inspire Mastercard Credit Card
  • Regular Purchase APR 8.50% to 17.90% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 8.50% to 17.90% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 8.50% to 17.90% variable based on creditworthiness and the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Intro Purchase APR 0% for 6 months from account opening date
  • Processing Network Mastercard
Best Benefits
  • Enjoy a 0% introductory interest rate on purchases and balance transfers for 6 months from account opening date
  • Get your credit score and customized credit reports for free from SavvyMoney
  • Skin your December billing cycle payment without affecting your credit score
  • Enjoy Priceless Cities benefits exclusive to Mastercard cardholders
Rates & Fees
  • Intro Purchase APR: 0% for 6 months from account opening date
  • Regular Purchase APR: 8.50% to 17.90% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for 6 months from account opening date
  • Balance Transfer APR: 8.50% to 17.90% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR: 8.50% to 17.90% variable based on creditworthiness and the Prime Rate
  • Penalty APR: 17.90%
  • Foreign Transaction Fee: 2% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: $25
  • Return Payment Penalty Fee: $20

#

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!