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Best Credit Cards for Good Credit
Which is the best credit card for good credit? If you maintain a good credit score of 670 or above, your credit card options are far greater than when you were first building your score. Finding one that earns cash back or other rewards to meet your needs and spending habits is exciting.
While more premium credit cards may be out of reach for the time being, your good credit score can still qualify you for excellent rewards and even travel perks, depending on what you’re looking for. Additionally, managing one of the following cards well can help increase your score over time and help you qualify for a premium card down the road.
This guide highlights five of the best cards for consumers with good credit, explains their features, and compares them side by side to help you make a smart decision.
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Trusted Company Reviews #1 Pick for 2025
- Excellent travel rewards program
- High-value point transfer partnerships
- Generous welcome bonus
Why we love it 💖
A top choice for travelers and rewards seekers, the Chase Sapphire Preferred combines flexibility with excellent earning potential.
Our Highest Rated Credit Card Companies
- 5x points on travel purchases through Chase Travel
- 1 to 1 points transfers to airline and hotel partners
- Flexible points redemption through Chase
- Strong intro offers
- Solid travel protections and purchase coverage
- 3% cash back on everyday category purchases and 1% on others
- Rewards typically applied to card balance
- No annual fee
- Works like a hybrid between revolving credit and a personal loan
- Pre-approval available to protect your good credit score
- 5% cash back on top eligible category (up to $500/month)
- 1% cash back on all other purchases
- Categories include groceries, gas, streaming services, and more
- $0 annual fee
- Intro APR on purchases and balance transfers often available
- Unlimited 1.5% cash back on all purchases
- No annual fee
- Variable one-time cash bonus for new cardholders often available
- Flexible rewards redemption
- Strong approval odds for good credit borrowers
- 1% unlimited cash back on all purchases
- No annual fee
- Straightforward redemption as statement credits
- Travel assistance and purchase protection included
- Solid approval odds for good credit applicants
Why Is Choosing the Right Card Crucial?
Regardless of your credit score, applying for too many cards or ones that aren’t a good fit can hurt your score. While being denied for a credit card won’t affect your score, every application triggers a hard inquiry, which does temporarily lower your score by a few points. Choosing the right card to apply for is essential, not only to keep your inquiry count low, but to gain the best benefits and rewards that your good credit score allows you.
How Does Your Credit Score Affect Your Card Options?
Your credit score determines not only approval odds but also the credit limits and interest rates you’ll receive. While having a FICO or VantageScore in the “good” range may not qualify you for premium cards with luxury perks, it can still allow you to access excellent rewards with competitive APRs. As a bonus, many cards marketed to those with good credit don’t require substantial annual fees, making them even more attractive than many premium card options.
Why Paying Your Bills on Time Matters
On-time payments are the single most important factor in both FICO and VantageScore models. Missing just one payment can drop your score by many points, reducing your odds of approval for new cards, loans, and other credit-based products. Staying consistent ensures your good credit continues to open doors.
How to Get the Most From Your Credit Cards
When used strategically, credit cards can save you money and provide real rewards. Paying off your balance in full each month means you’ll pay little to no interest, allowing you to take full advantage of rewards just for using the card. Choosing a card with a reward structure that follows your spending patterns and reward preferences can make the experience even better.
In fact, if you have credit cards or other unsecured debt and you’re unable to pay off monthly balances, considering debt consolidation options can help save you money and potentially help improve your credit score in the future when used strategically.
Which Company Offers the Best Balance of Cost and Benefits?
Among our picks, the Chase Sapphire Preferred delivers the most overall value due to its generous rewards structure, redemption flexibility, and strong consumer protections. However, flat-rate cash back cards like Capital One Quicksilver or Synchrony Plus World Mastercard may be better if you prefer simplicity and no annual fee. To maximize everyday spending category rewards, the Upgrade Life Rewards Visa stands out.
| Trusted Company Reviews Rating Score | Best For | Annual Fee | |
| Chase Sapphire Preferred | 9.1 | Travel rewards | $95 |
| Upgrade Life Rewards Visa | 8.8 | Everyday spending rewards | $0 |
| Citi Custom Cash Card | 8.7 | Single-category high earnings | $0 |
| Capital One Quicksilver | 8.4 | Flat-rate earnings | $0 |
| Synchrony Plus World Mastercard | 7.8 | Simplicity and approval odds | $0 |
Chase Sapphire Preferred
Best Overall
Trusted Company Reviews Rating Score for Chase Sapphire Preferred: 9.1
Review
The Chase Sapphire Preferred is the best credit card in our review for travel rewards, offering excellent earning potential and premium benefits in the category. However, the card’s eligibility requirements put it out of reach for some, even with good credit. While this card carries with it a $95 annual fee, it can easily pay for itself when used strategically.
About
Chase offers the Sapphire Preferred to those with good to excellent credit. It offers solid benefits and excellent potential rewards for those who spend money on traveling and dining. Moreover, its rewards program is also tailored for traveling perks. While it does charge an annual fee, its cost is far below many premium cards that require even higher credit scores to qualify for.
Features and Benefits
- 5x points on travel and dining through Chase
- Excellent point transfer potential with partner companies
- 3x and 2x points earnings on other purchases based on category
- Lucrative welcome bonuses often available
- Solid travel and purchase protections
Why We Chose
We rated this card highest overall due to its unmatched points redemption flexibility and excellent value for travel-focused users.
Pros and Cons
Pros
- High-value rewards system
- Wide partner network for points redemption
- Strong travel protections
Cons
- $95 annual fee
- Requires good to excellent credit
| Annual Fee | $95 |
| Rewards | 5× on Chase Travel, 3× on dining/streaming/online groceries, 2× on other travel, 1× all else |
| APR Range (subject to change) | Variable 19.99% to 28.49% |
| Credit Score Requirements | 690+ (700+ is better) |
| Foreign Transaction Fee | $0 |
| Additional Perks/Benefits |
Travel protections, rental car coverage, $50 hotel credit, annual points bonus |
Upgrade Life Rewards
Excellent cash back on everyday spending
Trusted Company Reviews Rating Score for Upgrade Life Rewards: 8.8
Review
Upgrade’s Life Rewards card merges a credit card with a personal loan model, making it ideal for consumers looking for an alternative to traditional revolving credit. The card offers solid rewards on everyday spending categories. Your redemption options, while usually in the form of statement credits, can also vary when you shop through Upgrade Shopping or have an Upgrade Rewards Checking Preferred account to receive your cash-back rewards as direct deposits. You can also earn 2% cash back through the debit card that comes with the account for even more savings.
About
Upgrade is a fintech lender specializing in consumer-friendly products, emphasizing simplicity and low fees. Its Life Rewards Visa differs from most credit card options, particularly in the good credit category, due to its unusual monthly payment structure. Instead of acting like typical revolving credit, your spending is treated more like miniature personal loans with predictable payments if you carry a balance from month to month.
Features and Benefits
- 3% cash back on everyday spending categories
- 1% cash back on all other purchases
- No annual fee
- Hybrid repayment structure
- Pre-approval is available
Why We Chose
Upgrade scores highly in our review because of its high-value rewards for everyday spending, 1% returns on all other purchases, and unique repayment structure if you carry a balance.
Pros and Cons
Pros
- Solid approval odds for good-credit applicants
- Predictable payment structure can help build credit
- Preapproval on company site won’t affect your credit score
Cons
- 3% foreign transaction fee
- Unconventional payment structure can require getting used to
- Limited cash advance availability
| Annual Fee | $0 |
| Rewards | 3% on groceries, gas, EV charging, utilities, health, and streaming; 1% cash back on all other purchases |
| APR Range (subject to change) | 14.99% to 29.99% |
| Credit Score Requirements | 640+ (670+ is better) |
| Foreign Transaction Fee | 3% |
| Additional Perks/Benefits | Structured repayment style |
Citi Custom Cash Card
Maximize cash back in your top spending category
Trusted Company Reviews Rating Score for Citi Custom Cash Card: 8.7
Review
Citi’s Custom Cash card adjusts with your spending for a truly custom feel. The unique rewards method makes it stand out for those who frequently make the same types of purchases within a given billing cycle. Categories eligible for the best rewards include gas, groceries, transportation, dining, drugstores, fitness clubs, home improvement stores, live entertainment, and streaming.
About
The Citi Custom Cash Card adjusts your rewards each billing cycle to your highest spending category, maximizing your cash back. That means the things you buy most with your card will automatically provide the highest rewards, up to 5% cash back and up to $500 per month in that category.
Features and Benefits
- 5% cash back on up to $500 in top category each month
- 1% back on all other purchases
- Thank You Points feature multiple redemption options
- Intro APR on balance transfers and purchases often available
- No annual fee
Why We Chose
We selected the Custom Cash for our review due to its dynamic and custom rewards structure that considers the most popular categories for a large demographic. Additionally, we like Citi’s rewards redemption options through its ThankYou Points system.
Pros and Cons
Pros
- Tailored earnings and rewards
- No annual fee
- Flexible spending categories and rewards redemptions
Cons
- Monthly cap on 5% rewards
- 3% foreign transaction fees apply
- Best value requires consolidated spending in a single category
| Annual Fee | $0 |
| Rewards | 5% cash back on top eligible category (up to $500/month), 1% all else |
| APR Range (subject to change) | Variable 18.24% to 28.24% |
| Credit Score Requirements | Good credit (670+) |
| Foreign Transaction Fee | 3% |
| Additional Perks/Benefits | ThankYou Points system, intro APR for purchases and balance transfers |
Capital One Quicksilver
Simple, flat-rate cash back with no gimmicks
Trusted Company Reviews Rating Score for Capital One Quicksilver: 8.4
Review
Capital One is a leading credit card provider. The company features a selection of various rewards cards, many of which are available to consumers with average to good credit. The Quicksilver cash rewards credit card offers simple, yet solid value for those with good to very good credit.
About
The primary advantages of the Capital One Quicksilver card are its simplicity and cost-effectiveness. With no annual fee, it provides consumers with a flat-rate 1.5% cash back rewards structure on everything you use it for, plus travel benefits and statement credits as redemption options.
Features and Benefits
- Unlimited 1.5% cash back
- No annual fee
- One-time cash bonus for new users often available
- Travel and credits as redemption options
- Good approval odds
Why We Chose
We included Quicksilver because of its simplicity and strong cash back rewards for those who use it often on all kinds of spending, regardless of category, and without having to choose or monitor a particular category for each cycle.
Pros and Cons
Pros
- Flat-rate rewards
- No annual fee
- Good approval odds
Cons
- No high-earning bonus categories
- Average additional perks
- Potentially high APR
| Annual Fee | $0 |
| Rewards | 1.5% cash back on every purchase |
| APR Range (subject to change) | Variable 19.24% to 29.24% |
| Credit Score Requirements | 690+ |
| Foreign Transaction Fee | $0 |
| Additional Perks/Benefits | Access to Capital One Travel, fraud protection, extended warranty coverage |
Synchrony Plus World Mastercard
Straightforward rewards and good approval odds
Trusted Company Reviews Rating Score for Synchrony Premier World Mastercard: 7.8
Review
The Synchrony Plus World Mastercard® offers unlimited 1% cash back on every purchase. It features no annual fee, a flat-rate rewards program, and good approval odds for those with good credit scores. However, its rewards are a bit weak compared to close competitors.
About
Issued by Synchrony, a leading credit card issuer, this card is designed to provide consistent rewards, regardless of what kind of spending you use it for. By offering a simple earning structure of 1% cash back on every purchase and automatic statement credits for redemption, the Plus World Mastercard stands our for efficiency and ease of use.
Features and Benefits
- Unlimited 1% cash back
- No annual fee
- Statement credits for redemption
- Mastercard benefits and protections
Why We Chose
While the Synchrony Plus World Mastercard lacks flashy features and high-dollar earnings potential, its simplicity, reliability, and good approval odds earn it a spot in our review.
Pros and Cons
Pros
- Unlimited 1% back
- Includes identity theft protection and travel assistance
- No annual fee
Cons
- Limited extra perks
- Higher than average variable APR
- Some customer service complaints
| Annual Fee | $0 |
| Rewards | 1% cash back on every purchase |
| APR Range (subject to change) | Variable 18.24% to 33.99% |
| Credit Score Requirements | 620+ (670+ is better) |
| Foreign Transaction Fee | 3% |
| Additional Perks/Benefits | Automatic cash-back statement credit |
Frequently Asked Questions
These are some of the most common questions surrounding the best credit cards for good credit.
Good credit generally refers to a FICO Score between 670–739 or a VantageScore between 661–780. Lenders view these tiers as low-risk, meaning you’ll likely qualify for favorable interest rates and better card offers than if your score is below those ranges. Maintaining good credit requires consistent on-time payments and responsible use of credit in general.
A 700 credit score is fairly common, as is considered to be in the good credit range. According to national averages, about 59% of U.S. adults have a score of 700 or higher. While there higher score tiers, including Very Good and Exceptional, a score at this level can provide more options as far as strong credit card offers, solid approval odds, and favorable loan terms are concerned.
For building credit, the best cards are those that report to all three credit bureaus and don’t require a security deposit. Unsecured card options like no-deposit credit cards are excellent choices when developing a strong credit history. Paying on time and keeping balances low will improve your score over time.