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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Paceline Credit Card

Paceline Credit Card
  • Regular Purchase APR See Terms
  • Balance Transfer APR See Terms
  • Cash Advance APR See Terms
  • Annual Fee $120
  • Credit Needed Excellent , Good
  • Processing Network Visa
Best Benefits
  • Earn up to 3% cash back on Health & Wellness purchases when maintaining a Paceline Streak
  • Earn 1.5% back on Health & Wellness purchases outside of Paceline Streaks
  • Earn 1% back on every dollar spent on all other net purchases
  • Visa Signature benefits and protections
Rates & Fees
  • Regular Purchase APR: See Terms
  • Balance Transfer APR: See Terms
  • Balance Transfer Transaction Fee: See Terms
  • Cash Advance APR: See Terms
  • Cash Advance Transaction Fee: See Terms
  • Penalty APR: See Terms
  • Annual Fee: $120
  • Foreign Transaction Fee: See Terms
  • Late Payment Penalty Fee: See Terms
  • Return Payment Penalty Fee: See Terms
  • Over Limit Penalty Fee: See Terms
Credit Card Deals

Business Advantage Unlimited Cash Rewards Credit Card

Business Advantage Unlimited Cash Rewards 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 24.24% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Intro Purchase APR 0% for the 9 months
  • Processing Network Mastercard
Best Benefits
  • No annual fee
  • Unlimited 1.5% cash back on every purchase
  • Get a $300 statement credit when you make at least $3,000 in net purchases within 90 days of your account opening
  • 0% Intro APR on purchases for 9 billing cycles from account opening
Rates & Fees
  • Intro Purchase APR: 0% for the 9 months
  • 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: Either $10 or 4% of the amount of each transaction, 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 transaction, whichever is greater
  • Foreign Transaction Fee: 3% of the U.S. dollar amount of each transaction
  • Late Payment Penalty Fee: Up to $49
  • Minimum Deposit Required: N/AP TO $49
Credit Card Deals

Boston Celtics Credit Card

Boston Celtics Credit Card
  • Regular Purchase APR 15.99% to 25.99% variable based on creditworthiness and the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Processing Network Mastercard
Best Benefits
  • Earn 7X points on Celtics tickets, rideshare services and streaming services
  • Earn 4X points on dining
  • Earn 2X points on groceries and drug stores
  • Earn 1X points on all other purchases
  • 10% off purchases at the online Celtics shop
  • No annual fee
Rates & Fees
  • Regular Purchase APR: 15.99% to 25.99% variable based on creditworthiness and the Prime Rate
  • Penalty APR: 29.99%
Credit Card Deals

World of Hyatt Business Credit Card

World of Hyatt Business Credit Card
  • Regular Purchase APR 15.99% to 22.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 15.99% to 22.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 24.99% variable based on the Prime Rate
  • Annual Fee $199
  • Credit Needed Excellent , Good
  • Processing Network Visa
Best Benefits
  • Earn 9X points per $1 spent at Hyatt hotels
  • Earn 2X bonus points per $1 spent in your top three spend categories each quarter through 12/31/22
  • Earn 2X points per $1 spent on fitness club and gym memberships
  • Earn 1X points per $1 spent on all other purchases
  • World of Hyatt Discoverist status for the primary cardholder and up to 5 employees
  • Up to $100 in Hyatt statement credits each year
Rates & Fees
  • Regular Purchase APR: 15.99% to 22.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 15.99% to 22.99% 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 $15 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: $199
  • Late Payment Penalty Fee: $40
  • Return Payment Penalty Fee: $40
Credit Card Deals

Wells Fargo Reflect Card

Wells Fargo Reflect 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 25.99% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Intro Purchase APR 0% for 18 months from date of account opening, with an extension of up to 3 months for meeting minimum requirements
  • Processing Network Visa
Best Benefits
  • No annual fee
  • 0% intro APR for 18 months from account opening on purchases and qualifying balance transfers.
  • Intro APR extension of up to 3 months with on-time minimum payments during the introductory and extension periods
  • Cell phone protection for up to $600 when you pay your monthly cell phone bill with your eligible Wells Fargo card
Rates & Fees
  • Intro Purchase APR: 0% for 18 months from date of account opening, with an extension of up to 3 months for meeting minimum requirements
  • Regular Purchase APR: 12.99% to 24.99% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for 18 months from date of account opening, with an extension of up to 3 months for meeting minimum requirements
  • Balance Transfer APR: 12.99% to 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 each transaction converted to U.S. dollars
  • Late Payment Penalty Fee: Up to $40
  • Return Payment Penalty Fee: Up to $40
Credit Card Deals

Free Spirit® Points Plus Mastercard®

Free Spirit® Points Plus Mastercard®
  • Regular Purchase APR 26.99% to 28.99% variable based the Prime Rate
  • Balance Transfer APR 26.99% to 28.99% variable based the Prime Rate
  • Cash Advance APR 26.99% to 28.99% variable based the Prime Rate
  • Annual Fee $0 to $79
  • Credit Needed Good , Fair
  • Processing Network Mastercard
Best Benefits
  • Earn 3x Free Spirit Points per $1 on Spirit purchases
  • Earn 2x Free Spirit Points per $1 on grocery and dining purchases
  • Earn 1x Free Spirit Points per $1 on all other purchases
  • Invitation required to apply
Rates & Fees
  • Regular Purchase APR: 26.99% to 28.99% variable based the Prime Rate
  • Balance Transfer APR: 26.99% to 28.99% variable based the Prime Rate
  • Balance Transfer Transaction Fee: Either $5 or 4% of the amount of each Balance Transfer, whichever is greater
  • Cash Advance APR: 26.99% to 28.99% variable based the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 5% of the amount of each Cash Advance, whichever is greater
  • Annual Fee: $0 to $79
  • Foreign Transaction Fee: 0% or 3% of each Purchase in U.S. dollars
  • Late Payment Penalty Fee: Up to $40
  • Return Payment Penalty Fee: Up to $40
  • Minimum Deposit Required: n/a
Credit Card Deals

Voice Business Credit Card℠

Voice Business Credit Card℠
  • Regular Purchase APR 10.99% - 21.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 10.99% - 21.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 23.99% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Processing Network Mastercard
Best Benefits
  • Choose from 10 categories where you'll earn 4% cash back - on the first $7,000 spent per quarter, or $28,000 annually
  • Earn 1% cash back on all other purchases
  • No annual fee
  • No foreign transaction fee
  • Employee cards and spend controls available
Rates & Fees
  • Regular Purchase APR: 10.99% - 21.99% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for 12 months on transfers made within 90 days from account opening date
  • Balance Transfer APR: 10.99% - 21.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Either $10 or 3% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 23.99% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 3% of the amount of each cash advance, whichever is greater
  • Late Payment Penalty Fee: Up to $39
  • Return Payment Penalty Fee: Up to $39
Credit Card Deals

Bilt Mastercard®

Bilt Mastercard®
  • Regular Purchase APR 14.99% - 29.99%
  • Cash Advance APR 14.99% - 29.99%
  • Annual Fee None
  • Credit Needed Good , Fair
  • Processing Network Mastercard
Best Benefits
  • Earn 1X point per $1 on rent with no fees (up to 50,000 points every year)
  • Earn 3X points per $1 on dining purchases
  • Earn 2X points per $1 on travel purchases
  • No annual fee
Rates & Fees
  • Regular Purchase APR: 14.99% - 29.99%
  • Cash Advance APR: 14.99% - 29.99%
  • 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 $40
Credit Card Deals

Justice x PenFed Power Cash Rewards Visa Signature® Card

Justice x PenFed Power Cash Rewards Visa Signature® Card
  • Regular Purchase APR 14.99% to 17.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 17.99% variable based on the Prime Rate
  • Cash Advance APR 17.99% 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
  • 2% Cash Back on all purchases for PenFed Honors Advantage Members
  • 1.5% Cash Back on all purchases made with the card
  • $100 Statement Credi when you spend $1,500 in the first 90 days
Rates & Fees
  • Regular Purchase APR: 14.99% to 17.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 17.99% variable based on the Prime Rate
  • Balance Transfer Transaction Fee: 3% per transaction
  • Cash Advance APR: 17.99% variable based on the Prime Rate
  • Penalty APR: 17.99% variable based on the Prime Rate
  • Late Payment Penalty Fee: Up to $28
  • Return Payment Penalty Fee: Up to $25
Credit Card Deals

Comenity® Mastercard® Credit Card

Comenity® Mastercard® Credit Card
  • Regular Purchase APR 17.99% or 24.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 26.99% variable based on the Prime Rate
  • Cash Advance APR 25.99% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Good
  • Processing Network Mastercard
Best Benefits
  • No annual fee
  • Earn 1.5% cash back on all purchases
  • $100 cash back when you spend $500 or more within 90 days of opening your account
  • Zero Fraud Liability
Rates & Fees
  • Regular Purchase APR: 17.99% or 24.99% variable based on creditworthiness and 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: 25.99% 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 the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: Up to $40
  • Return Payment Penalty Fee: Up to $40
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.