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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NJIT EDU Credit Card

NJIT EDU Credit Card
  • Regular Purchase APR 18.74% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Good , Fair
  • Processing Network Mastercard
Best Benefits
  • No annual fee
  • Earn 1% cash back on all purchases
  • Enjoy Amazon Prime Student for one year
  • Cell phone protection for up to $600 when you pay your monthly cell phone bill with your card
  • No foreign transaction fees
Rates & Fees
  • Regular Purchase APR: 18.74% variable based on the Prime Rate
  • Late Payment Penalty Fee: v
  • Return Payment Penalty Fee: Up to $37
Credit Card Deals

Synchrony Premier World Mastercard®

Synchrony Premier World Mastercard®
  • Regular Purchase APR 13.99%, 19.99% or 26.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 13.99%, 19.99% or 26.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 29.99% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Good
  • Processing Network Mastercard
Best Benefits
  • No annual fee
  • Earn 2% cash back rewards on every purchase
  • Contactless payment compatibility
Rates & Fees
  • Regular Purchase APR: 13.99%, 19.99% or 26.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 13.99%, 19.99% or 26.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Either $10 or 4% 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
  • Foreign Transaction Fee: 3% of each transaction in U.S. dollars
  • Late Payment Penalty Fee: Up to $40
Credit Card Deals

Sheetz Visa® Credit Card

Sheetz Visa® Credit Card
  • Regular Purchase APR 21.74% to 27.74% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 21.74% to 27.74% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 25.24% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Good
  • Processing Network Visa
Best Benefits
  • Save up to 8 cents per gallon at Sheetz pumps with a MySheetz Rewardz membership
  • 5% cash back on Sheetz in-store purchases
  • 1% back on all other qualifying purchases
  • No annual fee
Rates & Fees
  • Regular Purchase APR: 21.74% to 27.74% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 21.74% to 27.74% 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 each transaction in U.S. dollars
  • Late Payment Penalty Fee: Up to $40
  • Return Payment Penalty Fee: Up to $35
Credit Card Deals

Joss & Main Mastercard®

Joss & Main 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 Good , Fair
  • Processing Network Mastercard
Best Benefits
  • 5% Back in Rewards at Joss & Main
  • 3% at grocery stores
  • 2% online
  • 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

Zions Bank Vivid Rewards Visa® Credit Card

Zions Bank Vivid Rewards Visa® Credit Card
  • Regular Purchase APR 12.25% to 24.25% variable based on the Prime Rate
  • Balance Transfer APR 12.25% to 24.25% variable based on the Prime Rate
  • Cash Advance APR 21.25% to 25.25% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Intro Purchase APR 0% for 6 months from account opening date
  • Processing Network Visa
Best Benefits
  • Earn 3 points per $1 spent on dining, entertainment, transit, and digital services
  • Earn 1 point per $1 spent on all other eligible purchases
  • No annual fee or foreign transaction fee
  • 0% intro APR on purchases (for 6 months) and balance transfers (for 12 months)
Rates & Fees
  • Intro Purchase APR: 0% for 6 months from account opening date
  • Regular Purchase APR: 12.25% to 24.25% variable based on the Prime Rate
  • Intro Balance Transfer APR: 0% for 12 months on transfers made within 60 days from account opening date
  • Balance Transfer APR: 12.25% to 24.25% variable based on the Prime Rate
  • Balance Transfer Transaction Fee: Either $10 or 3% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 21.25% to 25.25% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
  • Late Payment Penalty Fee: Up to $35
  • Return Payment Penalty Fee: Up to $30
Credit Card Deals

Zions Bank Agility Visa® Credit Card

Zions Bank Agility Visa® Credit Card
  • Regular Purchase APR 12.25% to 24.25% variable based on the Prime Rate
  • Balance Transfer APR 12.25% to 24.25% variable based on the Prime Rate
  • Cash Advance APR 21.25% to 25.25% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Intro Purchase APR 0% for 6 months from account opening date
  • Processing Network Visa
Best Benefits
  • Earn 1.5% cash back on all purchases
  • Choose automatic redemption and decide whether to receive cash back every month, every quarter, or when you reach certain amounts
  • 0% intro APR on purchases and balance transfers
  • No annual fee or foreign transaction fee
Rates & Fees
  • Intro Purchase APR: 0% for 6 months from account opening date
  • Regular Purchase APR: 12.25% to 24.25% variable based on the Prime Rate
  • Intro Balance Transfer APR: 0% for 12 months on transfers made within 60 days from account opening date
  • Balance Transfer APR: 12.25% to 24.25% variable based on the Prime Rate
  • Balance Transfer Transaction Fee: Either $10 or 3% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 21.25% to 25.25% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
  • Late Payment Penalty Fee: Up to $35
  • Return Payment Penalty Fee: Up to $30
Credit Card Deals

Morgan Stanley Blue Cash Preferred® Card

Morgan Stanley Blue Cash Preferred® Card
  • Regular Purchase APR 13.99% to 23.99% variable based on creditworthiness the Prime Rate
  • Cash Advance APR 25.24% variable based on the Prime Rate
  • Annual Fee $0 intro annual fee for the first year, then $95
  • Credit Needed Excellent , Good
  • Intro Purchase APR 0% for 12 months from account opening date
  • Processing Network American Express
Best Benefits
  • No annual fee for the first year
  • Earn a $100 statement credit after spending $15,000 on eligible purchases per calendar year
  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%)
  • 6% Cash Back on select U.S. streaming subscriptions
  • 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more)
  • 1% Cash Back on other purchases
Rates & Fees
  • Intro Purchase APR: 0% for 12 months from account opening date
  • Regular Purchase APR: 13.99% to 23.99% variable based on creditworthiness the Prime Rate
  • Cash Advance APR: 25.24% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
  • Penalty APR: 29.99% variable based on the Prime Rate
  • Annual Fee: $0 intro annual fee for the first year, then $95
  • Foreign Transaction Fee: 2.7% 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

Capital One Venture X Card

Capital One Venture X Card
  • Regular Purchase APR 16.99%, 20.99% or 23.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 16.99%, 20.99% or 23.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 23.99% variable based on the Prime Rate
  • Annual Fee $395
  • Credit Needed Excellent , Good
  • Processing Network Visa
Best Benefits
  • No foreign transaction fees
  • Receive up to $300 in statement credits when booking through Capital One Travel
  • Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel
  • Earn 5X miles on flights booked through Capital One Travel
  • Earn unlimited 2X miles on all other purchases
  • Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
  • Priority Pass Select
Rates & Fees
  • Regular Purchase APR: 16.99%, 20.99% or 23.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 16.99%, 20.99% or 23.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: 3% of the amount of each transferred balance that posts to your account at a promotional APR that we may offer you. None for balances transferred at the Transfer APR.
  • Cash Advance APR: 23.99% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 3% of the amount of each transaction, whichever is greater
  • Annual Fee: $395
  • Late Payment Penalty Fee: Up to $40
Credit Card Deals

American Express® / Business Extra® Corporate Card

American Express® / Business Extra® Corporate Card
  • Regular Purchase APR See Terms
  • Annual Fee $75 per cardmember
  • Credit Needed Excellent , Good
  • Processing Network American Express
Best Benefits
  • Earn 1 Business Extra point per $5 spent on the base airfare of eligible American Airlines flights
  • Earn 1 point for every $20 spent on other eligible spending
  • Earn up to 6% in rebates for your business on the first $1,500,000 spent on flown eligible American Airlines airfare purchases each year
  • Get a $50 Flight Discount for every $5,000 of eligible purchases
Rates & Fees
  • Regular Purchase APR: See Terms
  • Annual Fee: $75 per cardmember
  • Foreign Transaction Fee: See Terms
  • Late Payment Penalty Fee: See Terms
Credit Card Deals

Truist Business Credit Card

Truist Business Credit Card
  • Regular Purchase APR 10.24% to 19.24% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 10.24% to 19.24% 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 , Fair
  • Intro Purchase APR 0% for 12 months from account opening date
  • Processing Network Visa
Best Benefits
  • Enjoy 0% intro APR for 12 months on purchases
  • No annual fee
  • Add authorized cardholders at no additional charge
  • Digital account management with Truist Online Banking and Truist eZBusiness
  • Intuit Quickbooks® integration
Rates & Fees
  • Intro Purchase APR: 0% for 12 months from account opening date
  • Regular Purchase APR: 10.24% to 19.24% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 10.24% to 19.24% 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: 24.24% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
  • Penalty APR: 25.15% variable based on the Prime Rate
  • Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: Up to $39
  • Return Payment Penalty Fee: Up to $39
  • Over Limit Penalty Fee: Up to $39
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.