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Best credit cards for good credit of May 2024

Updated May 07, 2024

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Good credit grants you access to many card opportunities, including cash back and travel rewards cards with some of the highest rates available. The best credit cards for good credit offer top-of-the-line features like sign-up bonuses, intro APR periods, cost-saving benefits and have some of the most valuable rewards programs.

To learn more, take a look at the cards available from our partners along with our advice on how to find and make the most of a credit card for good credit.

Discover/u2019s rotating categories<\/a> will make Cashback Match worth a whopping up to $300 \u2014 already one of the most valuable first-year offers of any consumer cash back card.<br><br><strong>Learn more:<\/strong> <a href=https://www.bankrate.com/"https:////www.bankrate.com//finance//credit-cards//is-discover-it-cash-back-worth-it///">Is the Discover it\u00ae Cash Back worth it?<\/a><br><br><strong>Alternatives:<\/strong> Rotating categories and spending caps could be hard to manage for first-time cardholders, so you could get more from a card that offers flat-rate rewards like the <a href=https://www.bankrate.com/"https:////www.bankrate.com//finance//credit-cards//reviews//citi-double-cash-card///">Citi Double Cash\u00ae Card<\/a> or additional year-round rewards like the <a href=https://www.bankrate.com/"https:////www.bankrate.com//finance//credit-cards//reviews//chase-freedom///">Chase Freedom Flex\u2120<\/a>.<\/div>","pros_and_cons_header":"What you should know","pros":["This card offers a solid introductory APR period for purchases and balance transfers to round out the introductory value.","The <a href=https://www.bankrate.com/"https:////www.bankrate.com//finance//credit-cards//credit-card-issuers-who-provide-the-best-customer-service///">award-winning customer service<\/a>, plus famously low rates and fees, add an edge for people who prefer value and support over padded-out bonus features."],"cons":["The rotating bonus categories require quarterly enrollment, which may be a hassle for some cardholders.","Cardholders can\u2019t transfer rewards to other loyalty programs, which could limit this card\u2019s rewards value compared to competing cards\u2019 rewards."],"exclusive_offer_text":null,"creditCard":null,"isNewCard":0,"limitedTimeOfferText":null,"limitedTimeOfferTooltip":null,"callouts":"marketplace_cashBack","review_category_id":null,"review_category":null,"whyLikeThis":null},"program":{"id":48,"name":"Discover miles","active_rate":{"id":49,"label":"2023","active":1,"unit_value":"0.01000"}},"tags":[{"id":"41fdfa2c-aed3-4c7f-90d7-c4da2d319a6a","name":"0% Introductory APR","type":"tag","image":"c12c6fbd562a494517625a65bbb1e71e.png","value":null},{"id":"6821b5a8-c8ae-4ea8-939a-700d52107ab1","name":"Cash Back","type":"tag","image":"0fcfc350-bd23-11e9-a841-3728becc33ed.svg","value":null},{"id":"dff204cc-afde-4766-b5c6-3b9f661693e2","name":"EMV","type":"tag","image":"ff2a1eb82a6a9498d1f0f73bc974e2a3.png","value":null},{"id":"a368943f-a98c-4725-abfc-0d21b861fcd2","name":"Excellent Credit","type":"tag","image":"a1203ba0-bd23-11e9-8c33-b96e508849bb.svg","value":null},{"id":"a9517b73-c09d-467a-b5e7-079552895d0b","name":"Free Credit Score","type":"tag","image":"c921b548023dc6f855952e83fcfca848.png","value":null},{"id":"01026a1b-d83a-4d02-99c7-55dd9fe83f5d","name":"Gas","type":"tag","image":"884742a0-bd22-11e9-a841-3728becc33ed.svg","value":null},{"id":"92d8b110-c8fb-4ee5-95d4-1c5ad80a215b","name":"Mobile Pay Ready","type":"tag","image":"c9a039a1830fa29723ae3591721396ec.png","value":null},{"id":"b522eccc-8c34-4c78-9b8e-1948bb8c8617","name":"No Annual Fee","type":"tag","image":"4226595fe40f1186714c2263039b7df0.png","value":null},{"id":"167696ba-0a88-4d07-890f-426a2a59ee88","name":"No Foreign Transaction Fees","type":"tag","image":"eaaf459ad1ed2e1825d59f0c908ffa44.png","value":null},{"id":"29a9ea46-95f9-4d3a-a5d0-7c41fe94c220","name":"Popular","type":"tag","image":"4b16a0f0-bd23-11e9-a841-3728becc33ed.svg","value":null},{"id":"0492fa1d-84a8-493e-a0b2-eebf18ffbefd","name":"Price Protection","type":"tag","image":"962b66cf9ebead0f099a67dad29bc23c.png","value":null},{"id":"164993e7-9b76-4d68-bc3c-061c23dfb47d","name":"Rewards","type":"tag","image":"b47fb820-bd3b-11e9-8c33-b96e508849bb.svg","value":null},{"id":"5a2b1232-c3af-46ec-b9e9-e6f0e6f28f57","name":"Rotating Cash Back Categories","type":"tag","image":"","value":null},{"id":"217f7b22-d808-447a-a401-743919cb8bc1","name":"Unsecured credit card","type":"tag","image":"1c40e1f0-bd23-11e9-8c33-b96e508849bb.svg","value":null},{"id":"586170e7-c9a9-4720-9961-acfa39d119c3","name":"Zero Fraud Liability","type":"tag","image":"7f303633e8c906a4a36c040425d50a31.png","value":null}]})" x-show="selectedCategory === 'good-credit' || selectedCategory === 'all'" :class="aoProduct.isAoOffer ? 'CCProductTile--hasFlagPrequal' : ''" :data-format-type="aoProduct.odd ? aoProduct.odd : ''" >
Best for first-year rewards
Rating: 4.4 stars out of 5
4.4
Info
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on Discover's secure site
Good to Excellent (670 – 850)
Info
Recommended Credit

Intro offer

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1% - 5%

Rewards rate

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Annual fee

Regular APR

Capital One miles<\/a> can be easier to redeem for max value than some other issuer portals\u2019 allow, thanks to the great list of 1:1 transfer partners, convenient booking features and the opportunity to redeem miles for a statement credit toward a travel purchase you\u2019ve already made in the past 90 days.<br><br><strong>Learn more:<\/strong> <a href=https://www.bankrate.com/"https:////www.bankrate.com//finance//credit-cards//why-i-love-capital-one-venture-rewards///">Why expert we love the Capital One Venture<br><br><\/a><strong>Alternatives:<\/strong> Despite the <a href=https://www.bankrate.com/"https:////www.bankrate.com//finance//credit-cards//reviews//capital-one-ventureone-rewards-credit-card///">Capital One VentureOne Rewards Credit Card<\/a>\u2019s lower flat rewards rate, it may be easier to maintain, and you can use its transfer partners to supplement your overall rewards strategy.<\/div>","pros_and_cons_header":"What you should know","pros":["This card earns rewards at a solid flat rate on general purchases, making it a great low-maintenance option for travelers.","The option to redeem miles for non-Capital One travel purchases made in the previous 90 days could let you save on travel purchases that normally aren\u2019t possible through an issuer portal."],"cons":["The card doesn't offer an introductory APR period, so you won\u2019t get any breaks on added interest charges if you carry a balance.","It doesn\u2019t have annual travel or statement credits that compete against similar travel cards\u2019 perks."],"exclusive_offer_text":null,"creditCard":null,"isNewCard":0,"limitedTimeOfferText":null,"limitedTimeOfferTooltip":null,"callouts":"marketplace_travel","review_category_id":null,"review_category":null,"whyLikeThis":null},"program":{"id":42,"name":"Capital One miles","active_rate":{"id":43,"label":"2023","active":1,"unit_value":"0.01700"}},"tags":[{"id":"07815698-c8da-4f40-8736-81d0c76fa353","name":"Airline","type":"tag","image":"c4f0c810-bd23-11e9-8c33-b96e508849bb.svg","value":null},{"id":"71fc3028-f969-4277-bfe4-1ceb9856c34c","name":"Capital One","type":"tag","image":null,"value":null},{"id":"23a4c35d-7528-4051-b373-fd0d352ed37e","name":"Dining","type":"tag","image":"a5b97e80-e7dc-11ea-b568-e36303e248dc.svg","value":null},{"id":"dff204cc-afde-4766-b5c6-3b9f661693e2","name":"EMV","type":"tag","image":"ff2a1eb82a6a9498d1f0f73bc974e2a3.png","value":null},{"id":"a368943f-a98c-4725-abfc-0d21b861fcd2","name":"Excellent Credit","type":"tag","image":"a1203ba0-bd23-11e9-8c33-b96e508849bb.svg","value":null},{"id":"b16b2629-0cdf-4d2e-80f8-96f7ec369a19","name":"Good Credit","type":"tag","image":"88dfa120-bd19-11e9-a841-3728becc33ed.svg","value":null},{"id":"c87194e5-dc35-490b-843f-cf5e05e83ac6","name":"Hotel","type":"tag","image":"bd6727b0-bd23-11e9-a841-3728becc33ed.svg","value":null},{"id":"95e029c6-4c8b-4978-bdd5-60960fb10868","name":"Miles","type":"tag","image":null,"value":null},{"id":"167696ba-0a88-4d07-890f-426a2a59ee88","name":"No Foreign Transaction Fees","type":"tag","image":"eaaf459ad1ed2e1825d59f0c908ffa44.png","value":null},{"id":"b17b1bcc-ec4b-4a1c-a85f-2dbd94992429","name":"Points","type":"tag","image":"9a953c00-bd22-11e9-8c33-b96e508849bb.svg","value":null},{"id":"164993e7-9b76-4d68-bc3c-061c23dfb47d","name":"Rewards","type":"tag","image":"b47fb820-bd3b-11e9-8c33-b96e508849bb.svg","value":null},{"id":"c626562a-8a8e-40ba-ad4a-4100ab24002d","name":"Travel","type":"tag","image":"b3d5f780-bd23-11e9-8c33-b96e508849bb.svg","value":null}]})" x-show="selectedCategory === 'good-credit' || selectedCategory === 'all'" :class="aoProduct.isAoOffer ? 'CCProductTile--hasFlagPrequal' : ''" :data-format-type="aoProduct.odd ? aoProduct.odd : ''" >
Best for travel redemptions
Rating: 4.9 stars out of 5
4.9
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Apply now Lock
on Capital One's secure site
Good to Excellent (670 – 850)
Info
Recommended Credit

Intro offer

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$1275

Offer valuation

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2 Miles - 5 Miles

Rewards rate

Info

Annual fee

Regular APR

entertainment purchases<\/a>. With sky-high cash back on Capital One Travel and Capital One Entertainment purchases as well, foodies who want a low-cost everyday rewards card will find the SavorOne is undoubtedly one of the best cards for dining and entertainment.<br><br><strong>Learn more:<\/strong> <a href=https://www.bankrate.com/"https:////www.bankrate.com//finance//credit-cards//why-i-love-capital-one-savorone-cash-rewards///">Why we love the Capital One SavorOne<\/a><br><br><strong>Alternatives:<\/strong> The dining and entertainment rates are hard to beat on this card, but several rival cards carry stronger additional features. The <a href=https://www.bankrate.com/"https:////www.bankrate.com//finance//credit-cards//reviews//chase-freedom-unlimited///">Chase Freedom Unlimited\u00ae<\/a> has no annual fee and <a href=https://www.bankrate.com/"https:////www.bankrate.com//finance//credit-cards//capital-one-savorone-cash-rewards-vs-chase-freedom-unlimited///">may be a better fit<\/a> for travel perks thanks to its lucrative Chase Ultimate Rewards, impressive travel protections, dining rewards and flat-rate cash back. However, the <a href=https://www.bankrate.com/"https:////www.bankrate.com//finance//credit-cards//reviews//blue-cash-everyday-card-from-american-express///">Blue Cash Everyday\u00ae Card from American Express<\/a> has better features for everyday value.<\/div>","pros_and_cons_header":"What you should know","pros":["Redeem for cash back at any amount or time with this card, or even set your cash back to redeem automatically.","It offers a competitive intro APR on both purchases and balance transfers that are comparable to similar cards\u2019 offers."],"cons":["Walmart, Target and wholesale clubs like BJ\u2019s and Sam\u2019s Club don\u2019t count for grocery store purchase rewards, which could limit your potential cash back.","Capital One has a list of eligible streaming services for bonus rewards and it excludes some popular services like Prime Video and audiobook subscription services."],"exclusive_offer_text":null,"creditCard":null,"isNewCard":0,"limitedTimeOfferText":null,"limitedTimeOfferTooltip":null,"callouts":"marketplace_cashBack","review_category_id":null,"review_category":null,"whyLikeThis":null},"program":{"id":52,"name":"Cash Intro Offers","active_rate":{"id":53,"label":"1:1_Ratio","active":1,"unit_value":"1.00000"}},"tags":[{"id":"41fdfa2c-aed3-4c7f-90d7-c4da2d319a6a","name":"0% Introductory APR","type":"tag","image":"c12c6fbd562a494517625a65bbb1e71e.png","value":null},{"id":"71fc3028-f969-4277-bfe4-1ceb9856c34c","name":"Capital One","type":"tag","image":null,"value":null},{"id":"6821b5a8-c8ae-4ea8-939a-700d52107ab1","name":"Cash Back","type":"tag","image":"0fcfc350-bd23-11e9-a841-3728becc33ed.svg","value":null},{"id":"dff204cc-afde-4766-b5c6-3b9f661693e2","name":"EMV","type":"tag","image":"ff2a1eb82a6a9498d1f0f73bc974e2a3.png","value":null},{"id":"a368943f-a98c-4725-abfc-0d21b861fcd2","name":"Excellent Credit","type":"tag","image":"a1203ba0-bd23-11e9-8c33-b96e508849bb.svg","value":null},{"id":"b16b2629-0cdf-4d2e-80f8-96f7ec369a19","name":"Good Credit","type":"tag","image":"88dfa120-bd19-11e9-a841-3728becc33ed.svg","value":null},{"id":"d87d39e2-fea5-40fc-aa9e-6375c17ff8de","name":"Grocery","type":"tag","image":null,"value":null},{"id":"45b84c8f-0754-4102-82c6-458d5707196d","name":"Low Interest","type":"tag","image":"85a8ad80-bd23-11e9-8c33-b96e508849bb.svg","value":null},{"id":"b522eccc-8c34-4c78-9b8e-1948bb8c8617","name":"No Annual Fee","type":"tag","image":"4226595fe40f1186714c2263039b7df0.png","value":null},{"id":"167696ba-0a88-4d07-890f-426a2a59ee88","name":"No Foreign Transaction Fees","type":"tag","image":"eaaf459ad1ed2e1825d59f0c908ffa44.png","value":null},{"id":"164993e7-9b76-4d68-bc3c-061c23dfb47d","name":"Rewards","type":"tag","image":"b47fb820-bd3b-11e9-8c33-b96e508849bb.svg","value":null}]})" x-show="selectedCategory === 'good-credit' || selectedCategory === 'all'" :class="aoProduct.isAoOffer ? 'CCProductTile--hasFlagPrequal' : ''" :data-format-type="aoProduct.odd ? aoProduct.odd : 'See your approval odds'" >
Info
BEST FOR DINING AND ENTERTAINMENT
Rating: 5 stars out of 5
5.0
Info
Apply now Lock
on Capital One's secure site
Good to Excellent (670 – 850)
Info
Recommended Credit
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Intro offer

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1% - 8%

Rewards rate

Info

Annual fee

Regular APR

See Rates &amp; Fees<\/a>"],"network":"Visa","customData":[],"collationId":"2d81b6a0-09e8-442c-8f48-5a388695423e","rewardRates":[{"note":"","rank":1,"unit":"%","value":5,"displayText":"5%","explanation":"Get 5% cash back rewards on the first $5,000 of eligible gas, grocery, internet, cable, satellite TV, and mobile phone service purchases each year, and then 1% thereafter."},{"note":"","rank":2,"unit":"%","value":1,"displayText":"1%","explanation":"1% cash back rewards on all other purchases. Terms Apply.\n"}],"rewardRules":[{"name":"","rank":0,"unit":"%","value":5,"startDate":null,"endDate":null,"spendLimit":{"unit":"$","value":5000},"periodLimit":null,"earningLimit":null,"rewardRuleCategoryIds":[9,4,30,29,16]},{"name":"","rank":1,"unit":"%","value":1,"startDate":null,"endDate":null,"spendLimit":null,"periodLimit":null,"earningLimit":null,"rewardRuleCategoryIds":[]}],"cardBenefits":[],"introBonuses":[],"productTypeId":1,"bankrateScore":"3.8","cardholderRating":null,"cardholderRatingTooltipText":null,"subRatings":[{"subRatingType":"cost_of_membership","subRatingValue":"4"},{"subRatingType":"ease_of_building_credit","subRatingValue":"4"},{"subRatingType":"apr","subRatingValue":"2"},{"subRatingType":"features","subRatingValue":"3.8"}],"additionalData":{"premiumDescriptionLong":null,"rewardsDescriptionLong":null,"premiumDescriptionShort":null,"rewardsDescriptionShort":null},"benefitTermsUrl":"","annualRewardValue":null,"applyByPhoneNumber":null,"termsAndConditionsUrl":"https:\/\/www.creditonebank.com\/terms\/7ae?pc=WL43","annualRewardDisplayText":null,"creditNeededDisplayText":"Fair, Good","issuer":"Credit One Bank","creditNeeded":[{"id":"2","name":"Fair","type":"creditNeeded","value":2},{"id":"3","name":"Good","type":"creditNeeded","value":3}],"additionalBonuses":[],"enabled":true,"inFeed":true,"hideCta":false,"awardsBadge":false,"aoEligible":false,"cmEligible":true,"pid":"6852","showApplyLink":true,"variation":{"id":2727,"name":"Best credit cards for good credit of November 2022","pid":"6852","hide_cta":false,"superlative":"Best for household expenses","bankrates_view":"<div><strong>What we love: <\/strong>Few cards available to people with fair credit or borderline good credit offer such a variety of practical reward categories for households, including gas, groceries and mobile phone, internet, cable and satellite TV services. This roster is exceptionally diverse for year-round categories since you\u2019d usually need to resort to a rotating category card for this much flexibility.<br><br><strong>Alternatives:<\/strong> Though the reward categories on this card are interesting, the ways you earn and redeem can get a bit complicated. The <a href=https://www.bankrate.com/"https:////www.bankrate.com//finance//credit-cards//reviews//capital-one-venture-rewards-credit-card///">Capital One Venture Rewards Credit Card<\/a> could reward all your purchases with its unlimited flat-rate miles, and the versatile <a href=https://www.bankrate.com/"https:////www.bankrate.com//finance//credit-cards//reviews//wells-fargo-autograph-card///">Wells Fargo Autograph\u2120 Card<\/a> offers a variety of categories (including gas and phone plan rewards) for no annual fee like the Platinum X5.<\/div>","pros_and_cons_header":"What you should know","pros":["The elevated cash back rewards rate is generous when compared to similar cards available with a borderline fair-to-good credit score.","There are a few basic Visa card network benefits like roadside assistance that could come in handy."],"cons":["The card poses a strict combined category spending cap, a steep $95 annual fee, plus confusing terms and application steps.","The ongoing APR is high for a credit card designed for people with good credit."],"exclusive_offer_text":null,"creditCard":null,"isNewCard":0,"limitedTimeOfferText":null,"limitedTimeOfferTooltip":null,"callouts":"marketplace_cashBack","review_category_id":null,"review_category":null,"whyLikeThis":null},"program":null,"tags":[{"id":"04e767ad-b41c-425f-a43f-e08f2063eab9","name":"Annual Fee","type":"tag","image":null,"value":null},{"id":"6821b5a8-c8ae-4ea8-939a-700d52107ab1","name":"Cash Back","type":"tag","image":"0fcfc350-bd23-11e9-a841-3728becc33ed.svg","value":null},{"id":"8e7a96a9-4b0a-4933-9068-15eaaf9cf8ec","name":"Personal","type":"tag","image":null,"value":null},{"id":"d607652e-254f-4c06-892c-861a1c20c2fa","name":"Tiered Rewards","type":"tag","image":null,"value":null}]})" x-show="selectedCategory === 'good-credit' || selectedCategory === 'all'" :class="aoProduct.isAoOffer ? 'CCProductTile--hasFlagPrequal' : ''" :data-format-type="aoProduct.odd ? aoProduct.odd : ''" >
Best for household expenses
Rating: 3.8 stars out of 5
3.8
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Apply now Lock
on Credit One Bank's secure site
Fair to Good (580 – 740)
Info
Recommended Credit

N/A

Intro offer

Info

1% - 5%

Rewards rate

Info

Annual fee

Regular APR

rewards on groceries and gas<\/a>, it offers a generous cash back rate on U.S. online retail purchases \u2014 a hard-to-find bonus category that gives this card extra versatility. Annual credits are also rare among no-annual-fee cards, so families can save a pretty penny with this card\u2019s <a href=https://www.bankrate.com/"https:////www.bankrate.com//finance//credit-cards//amex-blue-cash-everyday-benefits-guide///">valuable benefits<\/a>.<br><br><strong>Learn more:<\/strong> <a href=https://www.bankrate.com/"https:////www.bankrate.com//finance//credit-cards//is-blue-cash-everyday-worth-it///">Is the Blue Cash Everyday worth it?<\/a><br><br><strong>Alternatives:<\/strong> The <a href=https://www.bankrate.com/"https:////www.bankrate.com//finance//credit-cards//reviews//blue-cash-preferred-card-from-american-express///">Blue Cash Preferred\u00ae Card from American Express<\/a> is the <a href=https://www.bankrate.com/"https:////www.bankrate.com//finance//credit-cards//blue-cash-preferred-vs-blue-cash-everyday///">upgraded counterpart<\/a> to the Blue Cash Everyday with some key differences \u2014 it adds commute-related categories and doubles your rewards rate on U.S. supermarket purchases, but the tradeoff is an annual fee.<\/div>","pros_and_cons_header":"What you should know","pros":["The ongoing credits can be incredibly valuable for frugal families \u2014 especially for Disney Bundle streaming subscribers.","Delivers solid introductory value with its balanced welcome bonus rewards and quality intro APR offers."],"cons":["Superstores like Walmart and Target don\u2019t count as U.S, supermarkets for the bonus category rewards rate.","The yearly $6,000 spending cap for 3 percent cash back purchases (then 1 percent) could make other cards more rewarding based on your spending."],"exclusive_offer_text":null,"creditCard":null,"isNewCard":0,"limitedTimeOfferText":null,"limitedTimeOfferTooltip":null,"callouts":"marketplace_cashBack","review_category_id":null,"review_category":null,"whyLikeThis":null},"program":{"id":52,"name":"Cash Intro Offers","active_rate":{"id":53,"label":"1:1_Ratio","active":1,"unit_value":"1.00000"}},"tags":[{"id":"41fdfa2c-aed3-4c7f-90d7-c4da2d319a6a","name":"0% Introductory APR","type":"tag","image":"c12c6fbd562a494517625a65bbb1e71e.png","value":null},{"id":"5705fd86-50da-4c7f-b57b-83b40752af98","name":"Balance Transfer","type":"tag","image":"04593be0-bd24-11e9-8c33-b96e508849bb.svg","value":null},{"id":"6821b5a8-c8ae-4ea8-939a-700d52107ab1","name":"Cash Back","type":"tag","image":"0fcfc350-bd23-11e9-a841-3728becc33ed.svg","value":null},{"id":"08288aab-66cb-4c27-8759-67bb4caefb07","name":"Editor's Pick","type":"tag","image":"7a8ac2d0-bd23-11e9-a841-3728becc33ed.svg","value":null},{"id":"dff204cc-afde-4766-b5c6-3b9f661693e2","name":"EMV","type":"tag","image":"ff2a1eb82a6a9498d1f0f73bc974e2a3.png","value":null},{"id":"a368943f-a98c-4725-abfc-0d21b861fcd2","name":"Excellent Credit","type":"tag","image":"a1203ba0-bd23-11e9-8c33-b96e508849bb.svg","value":null},{"id":"a9517b73-c09d-467a-b5e7-079552895d0b","name":"Free Credit Score","type":"tag","image":"c921b548023dc6f855952e83fcfca848.png","value":null},{"id":"01026a1b-d83a-4d02-99c7-55dd9fe83f5d","name":"Gas","type":"tag","image":"884742a0-bd22-11e9-a841-3728becc33ed.svg","value":null},{"id":"d87d39e2-fea5-40fc-aa9e-6375c17ff8de","name":"Grocery","type":"tag","image":null,"value":null},{"id":"92d8b110-c8fb-4ee5-95d4-1c5ad80a215b","name":"Mobile Pay Ready","type":"tag","image":"c9a039a1830fa29723ae3591721396ec.png","value":null},{"id":"b522eccc-8c34-4c78-9b8e-1948bb8c8617","name":"No Annual Fee","type":"tag","image":"4226595fe40f1186714c2263039b7df0.png","value":null},{"id":"29a9ea46-95f9-4d3a-a5d0-7c41fe94c220","name":"Popular","type":"tag","image":"4b16a0f0-bd23-11e9-a841-3728becc33ed.svg","value":null},{"id":"e3fc60c2-9da6-4962-a27d-e7d9488cbe18","name":"Presale Tickets","type":"tag","image":"bb284692903330764acc7c1350a85a42.png","value":null},{"id":"164993e7-9b76-4d68-bc3c-061c23dfb47d","name":"Rewards","type":"tag","image":"b47fb820-bd3b-11e9-8c33-b96e508849bb.svg","value":null},{"id":"217f7b22-d808-447a-a401-743919cb8bc1","name":"Unsecured credit card","type":"tag","image":"1c40e1f0-bd23-11e9-8c33-b96e508849bb.svg","value":null},{"id":"586170e7-c9a9-4720-9961-acfa39d119c3","name":"Zero Fraud Liability","type":"tag","image":"7f303633e8c906a4a36c040425d50a31.png","value":null}]})" x-show="selectedCategory === 'good-credit' || selectedCategory === 'all'" :class="aoProduct.isAoOffer ? 'CCProductTile--hasFlagPrequal' : ''" :data-format-type="aoProduct.odd ? aoProduct.odd : 'See your approval odds'" >
Info
Best for families on a budget
Rating: 4.6 stars out of 5
4.6
Info
Apply now Lock
on American Express's secure site
See Rates & Fees , Terms Apply
Good to Excellent (670 – 850)
Info
Recommended Credit
Info

Intro offer

Info

1% - 3%

Rewards rate

Info

Annual fee

APR

big families<\/a>. <br><br><strong>Learn more:<\/strong> <a href=https://www.bankrate.com/"https:////www.bankrate.com//finance//credit-cards//blue-cash-preferred-american-express-benefits///">Blue Cash Preferred Benefits Guide<\/a><br><br><strong>Alternatives:<\/strong> If you spend modestly at grocery stores and don\u2019t want to worry about earning enough cash back to offset an annual fee, you\u2019ll still find a lot of value in the Blue Cash Everyday\u00ae Card from American Express. But if you\u2019re a wholesale club shopper, the <a href=https://www.bankrate.com/"https:////www.bankrate.com//finance//credit-cards//reviews//bank-of-america-cash-rewards-credit-card///">Bank of America\u00ae Customized Cash Rewards credit card<\/a> might be a better alternative for groceries.<\/div>","pros_and_cons_header":"What you should know","pros":["Its competitive rate on U.S. gas station, transit and select streaming service purchases makes it a smart standalone choice for family-focused, everyday categories.","Comes with handy bonus features, including ongoing credits for Disney Bundle streaming and Equinox+ fitness subscriptions, plus <a href=https://www.bankrate.com/"https:////www.bankrate.com//finance//credit-cards//guide-to-credit-card-return-protection///">return protection<\/a>."],"cons":["There\u2019s a $95 annual fee ($0 intro annual fee for the first year), but it should be easy to offset even with just minor grocery rewards spending.","You can\u2019t transfer rewards to travel partners and restrictions around the 6 percent cash back rate limit this card\u2019s overall value."],"exclusive_offer_text":null,"creditCard":null,"isNewCard":0,"limitedTimeOfferText":null,"limitedTimeOfferTooltip":null,"callouts":"marketplace_cashBack","review_category_id":null,"review_category":null,"whyLikeThis":null},"program":{"id":52,"name":"Cash Intro Offers","active_rate":{"id":53,"label":"1:1_Ratio","active":1,"unit_value":"1.00000"}},"tags":[{"id":"5900eb9d-4173-4f4d-9f32-10d5ca28b196","name":"American Express","type":"tag","image":null,"value":null},{"id":"5705fd86-50da-4c7f-b57b-83b40752af98","name":"Balance Transfer","type":"tag","image":"04593be0-bd24-11e9-8c33-b96e508849bb.svg","value":null},{"id":"6821b5a8-c8ae-4ea8-939a-700d52107ab1","name":"Cash Back","type":"tag","image":"0fcfc350-bd23-11e9-a841-3728becc33ed.svg","value":null},{"id":"a368943f-a98c-4725-abfc-0d21b861fcd2","name":"Excellent Credit","type":"tag","image":"a1203ba0-bd23-11e9-8c33-b96e508849bb.svg","value":null},{"id":"01026a1b-d83a-4d02-99c7-55dd9fe83f5d","name":"Gas","type":"tag","image":"884742a0-bd22-11e9-a841-3728becc33ed.svg","value":null},{"id":"b16b2629-0cdf-4d2e-80f8-96f7ec369a19","name":"Good Credit","type":"tag","image":"88dfa120-bd19-11e9-a841-3728becc33ed.svg","value":null},{"id":"164993e7-9b76-4d68-bc3c-061c23dfb47d","name":"Rewards","type":"tag","image":"b47fb820-bd3b-11e9-8c33-b96e508849bb.svg","value":null}]})" x-show="selectedCategory === 'good-credit' || selectedCategory === 'all'" :class="aoProduct.isAoOffer ? 'CCProductTile--hasFlagPrequal' : ''" :data-format-type="aoProduct.odd ? aoProduct.odd : 'See your approval odds'" >
Info
Best for groceries
Rating: 4.4 stars out of 5
4.4
Info
Apply now Lock
on American Express's secure site
See Rates & Fees , Terms Apply
Good to Excellent (670 – 850)
Info
Recommended Credit
Info

Intro offer

Info

1% - 6%

Rewards rate

Info

Annual fee

APR

Discover rewards program guide<\/a><br><br><strong>Alternatives:<\/strong> The <a href=https://www.bankrate.com/"https:////www.bankrate.com//finance//credit-cards//reviews//capital-one-savorone-rewards-card///">Capital One SavorOne Cash Rewards Credit Card<\/a> is one of the best cards for dining, and its categories don\u2019t pose reward spending limits. If you want to earn cash back on both restaurant and gas station purchases, though, the <a href=https://www.bankrate.com/"https:////www.bankrate.com//finance//credit-cards//reviews//wells-fargo-autograph-card///">Wells Fargo Autograph\u2120 Card<\/a> could be a better option.<\/div>","pros_and_cons_header":"What you should know","pros":["There are minimal costs compared to other cards, thanks to Discover\u2019s policy of no annual fees, no foreign transaction fees, no penalty APR and no fee on the first late payment (up to $41 afterward).","The first-year Cashback Match program could be one of the best welcome reward offers available, depending on your spending."],"cons":["A low spending cap limits the earning potential of this card\u2019s already meager rewards rates.","There are plenty of cards with stronger rewards rates and perks if you have good credit."],"exclusive_offer_text":null,"creditCard":null,"isNewCard":0,"limitedTimeOfferText":null,"limitedTimeOfferTooltip":null,"callouts":"marketplace_cashBack","review_category_id":null,"review_category":null,"whyLikeThis":null},"program":{"id":48,"name":"Discover miles","active_rate":{"id":49,"label":"2023","active":1,"unit_value":"0.01000"}},"tags":[{"id":"5705fd86-50da-4c7f-b57b-83b40752af98","name":"Balance Transfer","type":"tag","image":"04593be0-bd24-11e9-8c33-b96e508849bb.svg","value":null},{"id":"01026a1b-d83a-4d02-99c7-55dd9fe83f5d","name":"Gas","type":"tag","image":"884742a0-bd22-11e9-a841-3728becc33ed.svg","value":null},{"id":"c626562a-8a8e-40ba-ad4a-4100ab24002d","name":"Travel","type":"tag","image":"b3d5f780-bd23-11e9-8c33-b96e508849bb.svg","value":null}]})" x-show="selectedCategory === 'good-credit' || selectedCategory === 'all'" :class="aoProduct.isAoOffer ? 'CCProductTile--hasFlagPrequal' : ''" :data-format-type="aoProduct.odd ? aoProduct.odd : ''" >
Best for gas and dining
Rating: 4 stars out of 5
4.0
Info
Apply now Lock
on Discover's secure site
Good to Excellent (670 – 850)
Info
Recommended Credit

Intro offer

Info

1% - 2%

Rewards rate

Info

Annual fee

Regular APR

Upgrade Cash Rewards Elite Visa\u00ae<\/a> instead since it offers similar low fees and installment payments but with an outstanding 2.2 percent cash back on purchases (after each monthly payment).<\/div>","pros_and_cons_header":"What you should know","pros":["Rewards from the flat-rate 1.5 percent cash back automatically redeem for statement credits toward your next scheduled monthly payment, which can make it simpler to keep your card paid off.","Although the welcome offer isn\u2019t traditional, it could be one of the quickest and easiest to earn for that level of value."],"cons":["This card may fall short of competing interest-saving cards for some people since there\u2019s no option to transfer your balance or get a 0 percent intro APR on purchases.","You won\u2019t earn rewards until your purchase is paid off, so using the alternate payment features may not make this a rewarding card."],"exclusive_offer_text":null,"creditCard":null,"isNewCard":0,"limitedTimeOfferText":null,"limitedTimeOfferTooltip":null,"callouts":"marketplace_zeroInterest","review_category_id":16,"review_category":null,"whyLikeThis":null},"program":null,"tags":[{"id":"45b84c8f-0754-4102-82c6-458d5707196d","name":"Low Interest","type":"tag","image":"85a8ad80-bd23-11e9-8c33-b96e508849bb.svg","value":null},{"id":"b522eccc-8c34-4c78-9b8e-1948bb8c8617","name":"No Annual Fee","type":"tag","image":"4226595fe40f1186714c2263039b7df0.png","value":null},{"id":"0e80c37a-09c1-44c8-8d2f-bff14a2dc81a","name":"Visa","type":"tag","image":"aef17b2f1dfc88c2fe6534963ae586cd.png","value":null}]})" x-show="selectedCategory === 'good-credit' || selectedCategory === 'all'" :class="aoProduct.isAoOffer ? 'CCProductTile--hasFlagPrequal' : ''" :data-format-type="aoProduct.odd ? aoProduct.odd : ''" >
Best for low interest and fees
Rating: 4.2 stars out of 5
4.2
Info
Apply now Lock
on Upgrade's secure site
Fair to Good (580 – 740)
Info
Recommended Credit

N/A

Purchase intro APR

Regular APR

Intro offer

Info

1.5%

Rewards rate

Info

Annual fee

Compare Bankrate’s top credit cards for good credit

Card Name Best for Card highlights Annual fee Bankrate Review Score

First-year rewards

5% cash back on activated rotating categories each quarter (on up to $1,500 in purchases, then 1%)

Automatic Cashback Match for all rewards earned at the end of your first year

$0

4.4 / 5

Info
(Read card review)
Apply now Lock
on Discover's secure site

Travel redemptions

5X miles on hotels and rental cars through Capital One Travel

2X miles on all other purchases

Redeem miles for past travel — statement credits toward eligible purchases in the last 90 days

$95

4.9 / 5

Info
(Read card review)
Apply now Lock
on Capital One's secure site

Dining and entertainment

10% cash back on Uber and Uber Eats purchases (through Nov. 14, 2024)
 

8% cash back on Capital One Entertainment purchases

3% cash back on dining, entertainment, select streaming services and grocery store purchases (excluding superstores like Walmart and Target)
$0

5.0 / 5

Info
(Read card review)
Apply now Lock
on Capital One's secure site

Household expenses

5% cash back on eligible gas, grocery, mobile phone service, internet service and cable and satellite TV service purchases (up to $5,000 per year, then 1% back)

$95

3.8 / 5

Info
(Read card review)
Apply now Lock
on Credit One Bank's secure site

Families on a budget

3% cash back on U.S. supermarket, U.S. gas stations and U.S. online retail purchases (up to $6,000 each year per category, then 1% back)

$0

4.6 / 5

Info
(Read card review)
Apply now Lock
on American Express's secure site
See Rates & Fees , Terms Apply

Groceries

6% cash back at U.S. supermarkets (up to $6,000 per year in supermarket purchases, then 1%) and on select U.S. streaming subscriptions

3% cash back on U.S. gas station and transit purchases

$0 intro annual fee for the first year, then $95.

4.4 / 5

Info
(Read card review)
Apply now Lock
on American Express's secure site
See Rates & Fees , Terms Apply

Gas and dining

2% cash back at gas stations and restaurants (on up to $1,000 in combined purchases each quarter, then 1%)

Automatic Cashback Match for all rewards earned at the end of your first year

$0

4.0 / 5

Info
(Read card review)
Apply now Lock
on Discover's secure site

Low interest and fees

1.5% cash back on all purchases every time you make a payment

Monthly installment payments at a set APR and length instead of traditional cards’ revolving credit line

No late payment fee and no penalty APR

$0

4.2 / 5

Info
(Read card review)
Apply now Lock
on Upgrade's secure site
Image of My GM Rewards&#174; Mastercard&#174;
My GM Rewards® Mastercard®

GM loyalists

7X points on eligible GM purchases

4X points on all other purchases

$0

All information about the American Express® Green Card and the My GM Rewards® Mastercard® has been collected independently by Bankrate.com and has not been reviewed or approved by the issuer.

What you need to know about cards for good credit

Having good credit typically means you’ll have an easier time qualifying for credit cards and loans than if you had fair or bad credit. Lenders use credit scores and information from your credit report to determine eligibility for financial products. If your credit history shows that you consistently pay your bills on time and use your available credit responsibly, lenders may consider you more likely to pay back what you owe.

On top of qualifying for some of the best credit cards and loans, your responsible use of credit pays off in other ways. You’ll have an easier time renting an apartment and you could also qualify for cheaper auto and homeowners insurance rates, depending on your location.

Having good credit gives you a better chance of approval for some of the best cards available. These cards often have the best rewards programs, perks, benefits and terms. People with good credit also have a better chance to qualify for cards that offer valuable perks like lounge access, extra statement credits, warranties and protections and flexible redemption options.

What people say about having good credit

Everyone’s experience with credit and money is different, but some experiences resonate with a majority of people. As most people who’ve moved from a fair to a good credit score can tell you, one of the main benefits of having a good credit score is qualifying for better loan terms and better credit cards. With good credit, you can feel confident in your approval odds for far more lending products than you would with fair or bad credit.

If you’ve ever been in a position where you were unsure about card or loan approval, then you’re familiar with the stress and anxiety that it provokes. Online communities, like r/CRedit*, are a venue for users to discuss their experiences with credit cards, credit scores and other financial products. In one thread in this subreddit users share their experience with having credit scores over 700, which would be considered “good credit.”

I have a 780 [credit score] and am in the market to buy a car. The difference between last time and this time is night and day. Last time, I had poor credit and I was stressing about getting any loan and I very much needed a new car as what I had was unreliable. 

I remember sitting in the dealership with my wife and I asked her not to post anything to socials because I didn’t want to have to explain if we had to reverse it. 

This time I’m not stressed about it at all and I just know I won’t have any problems getting the loan when the car comes in. It’s honestly kind of wild how much stress disappears with higher credit scores for big purchases.

Reddit user

This comment shows how things can turn around when you achieve good credit or better. It also highlights the stigma associated with poor credit and the embarrassment of not getting approved for loans. Although no one should feel shame for their financial situation, it can be as distressing as it is inconvenient.

That said, a good credit score is worth being proud of because it shows you’ve worked hard to pay your bills on time, avoid maxing out your cards and otherwise use credit responsibly.

*The quotes and citations included on this page have been verified by our editorial team and are accurate as of the posting date. Be sure to check the issuer's website/terms and conditions for all up to date content. Outlinked content may contain views and opinions that do not reflect the views and opinions of Bankrate.

Our data: Good credit won’t guarantee approval

Having good credit doesn’t mean issuers will approve your card application. While issuers may use your credit score to assess the risk of lending you money, it may not tell the whole story.

Based on our data on credit card approvals in 2023, several cards marketed to cardholders with good to excellent credit actually have low approval rates for applicants with good credit 

For example, one issuer only approved about 35 percent of applicants with good credit for its popular travel rewards card in 2023, and only about 39 percent of applicants with good credit for a popular dining card.

Although our data clearly indicates that approval rates are higher overall for applicants with good credit than those with fair or bad credit, a good credit score is still no guarantee of approval. Even applicants with excellent credit saw approval rates under 55 percent for some cards based on our data.

Overall, our data showed a wide range of approval rates for applicants with good credit — from around 40 percent on some cards to over 95 percent on others.

A credit card for good credit is ideal for…

Some credit cards for good credit may be better than others, depending on the person. Here are a few types of people who may find their match in a credit card for good credit, and what credit cards we recommend for them.

Although you may match one of these profiles, you should review your credit report, score and current financial situation before applying for a new credit card. We have found through internal data that approval odds for good credit applicants are much lower than for applicants with excellent credit. Even if you meet the minimum credit requirements, it may help to follow tips for maximum approval odds when preparing to apply. 

Still unsure if a credit card for good credit is right for you? Check out our Credit Card Spender Type Tool where you can get personalized credit card recommendations based on your credit score, spending habits and daily needs.

Tips on choosing the best credit card when you have good credit

Choosing a credit card for good credit will depend on many factors, including your financial needs. Here are some tips to consider when looking for a credit card when you have good credit.

Choose your card based on its features

Different types of credit cards are available to people with good credit. If you want a rewards card, decide if you want to earn cash back, points or miles. Or if you want to save money on interest from any balance you carry, you might consider a low-interest card. Whatever you’re looking for, make sure you choose a credit card that best fits your needs.

Research each card’s benefits

You have a decent chance of getting cards with perks and benefits if you have good credit. Top perks include sign-up bonuses, points, miles or cash back and intro APR offers. Tertiary perks are relatively thin on cards for good credit, but these cards can be valuable assets to help you build toward an excellent score so you can qualify for cards with better perks.

Assess rates, fees and your budget

Depending on the features that matter most to you, you may not be able to avoid an annual fee. Plenty of credit cards with no annual fee are available for people who don’t need all the bells and whistles that premium cards offer. However, a high-end rewards card could be worth the annual fee based on how much you spend or travel. Other rates and fees to watch out for include the annual percentage rate (APR), foreign transaction fee, late payment fee and balance transfer fee. 

Lightbulb

Bankrate Insight

As interest rates continue to rise, so does the cost of borrowing money. With the current average credit card APR at more than 20 percent, it’s more important than ever to keep your balances low and maintain good credit habits. 

Expert experience

Here’s how a Senior Editor at Bankrate built a reliable strategy for earning and maintaining a good credit score:

One thing that really helped me on my journey toward good credit was patience. Not only did I have to be patient while working towards good credit, but now that I have good credit, I remain patient between applying for the cards I want. I try to limit my new card applications to one per year to maintain the average age of my accounts. I also wait between card applications to make sure I really want and will use a new credit card. Otherwise, it can take up meaningless space in my wallet and on my reports.

— Courtney Mihocik, Senior Editor

Expert advice on credit cards for good credit

To earn a good credit score, you’ll have to build and keep up with good credit habits over time. A good score can open the door to some of the best credit cards available and higher approval rates. We’ll break down what it takes to successfully manage a credit card for good credit — and a good credit score.

Align your rewards program with your top spending categories

If you strategize effectively, you can make the most of any card you choose. We recommend applying for a card that fits into your established budget categories. Crunch the numbers to see which rewards program earns the most rewards based on how you spend (and whether the card has an annual fee).

Keep tabs on your progress

Even if you already have a good credit score, it’s important to maintain your positive history and work towards an excellent score for even better cards, rates and more. Keep an eye on your credit report since any errors could cause issuers and lenders to deny you cards and loans. Check your credit report at least once a year, though checking it more often could come in handy in case you need to dispute an error. Many credit cards for good credit still have free credit score monitoring tools to let you check your score often.

Don’t apply for multiple cards at once

When you apply for multiple credit accounts in a short period of time, it signals to lenders that you may be relying too heavily on credit and could be a volatile borrower. Credit card applications also cause a temporary dip in your credit score, which could affect your approval if you’re on the edge of a good and fair credit score. Space out your applications for new credit cards and other lines of credit to protect your score.

Let an older card age gracefully

If you have a starter card or other credit-building card you used to help build good credit, think twice before closing the account. Holding an account for a long period of time lengthens your credit history and shows you’re an experienced credit user. Keeping a card open benefits your credit score, but don’t feel obligated to continue carrying a card if it has an annual fee, especially when you can do a product change to one that doesn’t. 

Have more questions for our credit cards editors? Feel free to send us an email, find us on Facebook, or Tweet us @Bankrate.

How we assess the best cards for good credit

Document
250+
cards rated
Congrats
50+
rewards programs valued
Search
5000
data points analyzed
Credit Card Reviews
40+
perks evaluated

When evaluating the best credit cards for good credit, we take into account several factors, including how cards score in our proprietary card rating system and whether they offer features that fit the priorities of a diverse group of cardholders, from earning rewards to scoring a large sign-up bonus to saving on interest. 

We analyzed over 250 of the most popular credit cards and selected standouts that are available with good credit. We scored each card based on the factors most relevant to its primary category, including its rewards rate, estimated annual earnings, intro APR period, ongoing APR, perks and more to determine whether it belonged in this month’s roundup. 

Here are some of the key factors that we considered:

Frequently asked questions about credit cards for good credit scores