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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Casey's Visa Signature® Card

Casey's Visa Signature® Card
  • Regular Purchase APR 13.99% to 17.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 13.99% to 17.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 24.99% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Processing Network Visa
Best Benefits
  • No annual fee
  • Save up to 10 cents per gallon for the first 60 days
  • Earn 4% on purchases at Casey's and 2% on all other purchases for first 60 days
  • Earn 2% on purchases at Casey's locations and 1% on all other purchases
  • Receive a Casey's Gift Card when you accumulate $20 in rebates
Rates & Fees
  • Regular Purchase APR: 13.99% to 17.99% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for 12 months
  • Balance Transfer APR: 13.99% to 17.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Either 3% of the amount of the transfer or $15, whichever is greater
  • Cash Advance APR: 24.99% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either 3% of the amount of the advance or $15, whichever is greater$50 maximum
  • Foreign Transaction Fee: 2% of the transaction in U.S. dollars
  • Late Payment Penalty Fee: Up to $38
  • Return Payment Penalty Fee: Up to $38
Credit Card Deals

Buc-ee's Platinum Mastercard®

Buc-ee's Platinum Mastercard®
  • Regular Purchase APR 7.99% to 17.99% variable based on creditworthiness
  • Balance Transfer APR 7.99% to 17.99% variable based on creditworthiness
  • Cash Advance APR 0% introductory for 6 months. After that, 7.99% to 17.99% variable based on creditworthiness
  • Annual Fee None
  • Credit Needed Good
  • Intro Purchase APR 0% for 6 months from account opening date
  • Processing Network Mastercard
Best Benefits
  • 0% Intro APR on purchases, balance transfers & cash advances
  • 10¢ discount on fuel at Buc-ee's stations
  • No annual fee
  • Worldwide acceptance and ATM access
  • No cash advance or balance transfer fees
Rates & Fees
  • Intro Purchase APR: 0% for 6 months from account opening date
  • Regular Purchase APR: 7.99% to 17.99% variable based on creditworthiness
  • Intro Balance Transfer APR: 0% for 12 months from account opening date
  • Balance Transfer APR: 7.99% to 17.99% variable based on creditworthiness
  • Cash Advance APR: 0% introductory for 6 months. After that, 7.99% to 17.99% variable based on creditworthiness
  • Foreign Transaction Fee: See Terms
  • Late Payment Penalty Fee: Up to $25
  • Return Payment Penalty Fee: Up to $25
Credit Card Deals

First Bank Business Edition® Mastercard® with Reward Simplicity

First Bank Business Edition® Mastercard® with Reward Simplicity
  • Regular Purchase APR 14.24% to 20.24% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 14.24% to 20.24% 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 12 months
  • Processing Network Mastercard
Best Benefits
  • No annual fee
  • Earn unlimited 1.5% Cash Back rewards on every purchase
  • 0% Intro APR for the first 12 months on purchases and balance transfers
Rates & Fees
  • Intro Purchase APR: 0% for 12 months
  • Regular Purchase APR: 14.24% to 20.24% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for 12 months
  • Balance Transfer APR: 14.24% to 20.24% 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 in U.S. dollars
  • Return Payment Penalty Fee: $35
  • Over Limit Penalty Fee: $39
Credit Card Deals

Aeroplan® World Elite Mastercard®

Aeroplan® World Elite Mastercard®
  • Regular Purchase APR 16.49% to 23.49% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 16.49% to 23.49% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 24.99% variable based on the Prime Rate
  • Annual Fee $95
  • Credit Needed Excellent , Good
  • Processing Network Mastercard
Best Benefits
  • 3X points on grocery store purchases
  • 3X points on restaurant purchases, including takeout and eligible delivery servcies
  • 3X points on purchases made directly with Air Canada
  • 500 bonus points for every $2,000 you spend in a calendar month - up to 1,500 points per month
  • $100 TSA Precheck/ Global Entry/ NEXUS credit every 4 years
  • First checked bag free for up to 8 travelers on the same itinerary
  • No foreign transaction fees
Rates & Fees
  • Regular Purchase APR: 16.49% to 23.49% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 16.49% to 23.49% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Either $5 or 5% of the amount of each transfer, whichever is greater
  • 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 29.99% variable based on the Prime Rate
  • Annual Fee: $95
  • Late Payment Penalty Fee: Up to $40
  • Return Payment Penalty Fee: Up to $40
Credit Card Deals

First Bank Maximum Rewards® World Mastercard®

First Bank Maximum Rewards® World Mastercard®
  • Regular Purchase APR 16.24% to 22.24% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 16.24% to 22.24% 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 12 months
  • Processing Network Mastercard
Best Benefits
  • No annual fee
  • Unlimited 1.5% cash back on every purchase
  • 0% Intro APR for the first 12 months on purchases and balance transfers
  • Redeem points for cash, travel, and more
Rates & Fees
  • Intro Purchase APR: 0% for 12 months
  • Regular Purchase APR: 16.24% to 22.24% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for 12 months
  • Balance Transfer APR: 16.24% to 22.24% 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

Birch Lane Mastercard

Birch Lane Mastercard
  • Regular Purchase APR 26.99% variable based on the Prime Rate
  • Cash Advance APR 29.99% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Processing Network Mastercard
Best Benefits
  • 5% back in Rewards at Wayfair brands
  • 3% back at grocery stores
  • 2% back on online purchase outside of Wayfair brands
  • 1% back on all other purchases
  • No interest financing if paid in full up to 24 months on qualifying orders
  • No annual fee
Rates & Fees
  • Regular Purchase APR: 26.99% variable based on the Prime Rate
  • Balance Transfer Transaction Fee: Either $10 or 5% of the amount of each 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 advance, whichever is greater
  • Foreign Transaction Fee: 3% of the U.S. Dollar amount of each purchase
Credit Card Deals

AllModern Mastercard®

AllModern Mastercard®
  • Regular Purchase APR 26.99% variable based on the Prime Rate
  • Balance Transfer APR 26.99% variable based on the Prime Rate
  • Cash Advance APR 29.99% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Processing Network Mastercard
Best Benefits
  • 5% back in Rewards at Wayfair brands, including AllModern
  • 3% back at grocery stores
  • 2% back on online purchase outside of Wayfair brands
  • 1% back on all other purchases
  • No interest financing if paid in full up to 24 months on qualifying orders
  • No annual fee
Rates & Fees
  • Regular Purchase APR: 26.99% variable based on the Prime Rate
  • Balance Transfer APR: 26.99% variable based on the Prime Rate
  • Balance Transfer Transaction Fee: Either $10 or 5% of the amount of each 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 advance, whichever is greater
  • Foreign Transaction Fee: 3% of the U.S. Dollar amount of each purchase
Credit Card Deals

Wayfair Mastercard®

Wayfair Mastercard®
  • Regular Purchase APR 26.99% variable based on the Prime Rate
  • Balance Transfer APR 26.99% variable based on the Prime Rate
  • Cash Advance APR 29.99% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Processing Network N/A
Best Benefits
  • 5% back in Rewards at Wayfair
  • 3% back at grocery stores
  • 2% back on online purchase outside of Wayfair brands
  • No interest financing if paid in full up to 24 months on qualifying orders
  • No annual fee
Rates & Fees
  • Regular Purchase APR: 26.99% variable based on the Prime Rate
  • Balance Transfer APR: 26.99% variable based on the Prime Rate
  • Balance Transfer Transaction Fee: Either $10 or 5% of the amount of each 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 advance, whichever is greater
  • Foreign Transaction Fee: 3% of the U.S. Dollar amount of each purchase

NYUAA Customized Cash Rewards Credit Card

NYUAA Customized 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 28.99% 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
  • Earn 3% cash back in the category of your choice, like online shopping
  • Earn 2% cash back at grocery stores and wholesale clubs
  • Earn 1% cash back on all other purchases
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
  • 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 28.99% 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% variable based on creditworthiness
  • Foreign Transaction Fee: 3% of the U.S. dollar amount of each transaction
  • Late Payment Penalty Fee: Up to $40
Credit Card Deals

NJIT PRO Credit Card

NJIT PRO Credit Card
  • 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 Mastercard
Best Benefits
  • No annual fee
  • No foreign transaction fees
  • Earn 3% cash back on travel purchases and 2% back on dining
  • Earn 1% Back on all other purchases
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
Credit Card 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.

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:

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:

Best for: Bitcoin Rewards

BlockFi Rewards Visa® Signature Credit Card

BlockFi Rewards Visa® Signature Credit Card
Earn Unlimited Cash Back Back in Bitcoin
  • Earn 1.5% Cash back Rewards in BTC on every purchase
  • Earn 2% back in bitcoin on every purchase over $50,000 of annual spending
  • Earn 3.5% back in bitcoin during your first 3 months
☆ Fast Online Pre-Approval
☆ Earn Bitcoin with Every Purchase
☆ No Annual Fee or Foreign Transaction Fees
☆ 24/7 Mobile App Access

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

Best for: Cash Back Rewards

Upgrade Triple Cash Rewards Visa®

Unlimited Cash Back on Purchases
  • Earn 3% on Home, Auto and Health categories and 1% on everything else
  • No fees of any kind!
☆ $0 Annual Fee, $0 Maintenance Fees
☆ Quick Online Pre-Approval
☆ Exceptionally Low APR

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

Best for: Students

Deserve EDU Mastercard®

deserve-edu-mastercard
No Deposit Required & No Annual Fees
  • eceive one year of Amazon Prime Student on Deserve after spending $500 in the first three billing cycles
  • Feel secure with cell phone protection up to $600
  • Zero Fraud Liability
☆ 1% Cash Back on Purchases
☆ No Foreign Transaction fees
☆ Pay w/ Apple Pay™ or Google Pay™
☆ 24/7 Mobile App Access

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

Best for:Gas Station Purchases

Sam's Club® Mastercard®

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

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.