CREDIT CARDS FOR GOOD CREDIT IN 2022

For those with good credit, looking for a new credit card will be easy. You will have many cards to choose from featuring low interest rates, great benefits, and fabulous rewards programs. Many of these cards have no annual fee. Interest rates will vary: the better your credit, the better the rates will be. Because you have good credit, card issuers believe you should be rewarded so there are a variety of enticing offers. Apply here for a card by filling out a simple and secure application.

January 2022: BEST CREDIT CARD OFFER FOR GOOD CREDIT

5
Card Overall Rating
Excellent/Good Credit
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
0% intro APR for 15 billing cycles on balance transfers posted within 45 days of account opening.
Ongoing APR
14.99%
Annual Fee
$495 ($195 for each Authorized User added to the account)
  • Patented black PVD metal card—weighing 22 grams.
  • 2% value for airfare redemptions with no blackout dates or seat restrictions.
  • 1.5% value for cash back redemptions.

More Credit Offers for Good Credit

5
Card Overall Rating
Excellent/Good Credit
  • 50,000 Bonus Points when you spend $3,000 in the first 90 days.
  • 4x Points on all Travel categories for PenFed Honors Advantage Members, 3X Points on all Travel categories.
  • 1.5x Points on all other purchases.
  • 0% Balance Transfers Promo APR for 12 months, 3% fee applies to each transaction. Subject to credit approval.
  • $100 ANNUAL domestic air ancillary travel statement credit.
  • $100 Global Entry or $85 TSA Pre-check statement credit.
  • Complimentary Priority Pass Airport Lounge Annual Membership.
  • Annual Fee: $95.
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
0% promotional balance transfer rate for 12 Months
Ongoing APR
14.99% to 17.99%
Annual Fee
$95
4
Card Overall Rating
Excellent/Good Credit
  • $300 cash back after the $3,000 min spend in the first 3 months of account opening1
  • 0.5% cash back on all purchases
  • 1% cash back on all purchases every month carbon zero is reached
  • Reward can be redeemed as cash or trees. Go carbon-neutral every month you plant 60 trees
  • A climate-change fighting tree planted with every swipe.
  • See terms & conditions
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
11.65% to 21.45%
Annual Fee
$60

This offer is not available in New York.

5
Card Overall Rating
Excellent/Good Credit
  • Earn 1.5% back in crypto on every single purchase.
  • No annual fee. No foreign transaction fees
  • Introductory offer: Earn 3.5% crypto rewards on all purchases in the first 90 days of card ownership, up to $100 in crypto.
  • Know if you’re approved without affecting your credit score. A soft credit pull happens before you’ve accepted the credit card offer. A hard credit pull occurs when you’ve accepted your credit card offer, which can have an impact on your credit score.
  • Earn 2% back in crypto on every purchase over $50,000 of annual spend. Rewards rate increases from 1.5% to 2% after $50,000 of spend has been achieved and resets on the card anniversary date every year.
  • On top of the rewards you get from BlockFi, your BlockFi Rewards Visa Signature card gives you instant access to once-in-a-lifetime travel, fine wine and food, sporting events, shopping and more.
  • Your BlockFi Rewards Visa Signature card comes with 24/7 access to your Visa Signature® Concierge* for assistance booking travel, transportation, accommodations, event tickets—even restaurant reservations and golf tee times.

This offer is not available in New York.

Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
11.74 - 21.74%
Annual Fee
$0
5
Card Overall Rating
Excellent/Good Credit
  • 2% Cash Back on all purchases for PenFed Honors Advantage Members.
  • 1.5% Cash Back on all purchases made with your card.
  • $100 Bonus Offer Statement Credit. When you spend $1,500 in the first 90 days.
  • 0% Balance Transfers Promo APR for 12 months, 3% fee applies to each transaction. Subject to credit approval.
  • Annual Fee: $0
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
0% promotional balance transfer rate for 12 Months
Ongoing APR
14.99% to 17.99%
Annual Fee
$0
5
Card Overall Rating
Excellent/Good Credit
  • Earn points every time you spend. Luxury Card enhances your purchasing power by providing you with one point for every one dollar you spend. Every purchase gets you closer to the rewards you want.
  • Patented brushed stainless steel front and carbon back—weighing 22 grams.
  • 2% value for airfare redemptions with no blackout dates or seat restrictions.
  • 1% value for cash back redemptions.
  • 24/7 Luxury Card Concierge®—Available by phone, email, and live mobile chat.
  • Exclusive Luxury Card Travel® benefits (e.g., amenities, room upgrades and complimentary food and beverages).
  • Members-only LUXURY MAGAZINE®.
  • Cell Phone Protection, Lyft credits, Postmates discounts, Fandango perks and more.
  • Annual fee: $195 ($95 for each Authorized User).
  • Earn one point for every one dollar spent.
  • Terms and conditions apply.
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
0% intro APR for 15 billing cycles on balance transfers posted within 45 days of account opening.
Ongoing APR
14.99%
Annual Fee
$195 ($95 for each Authorized User added to the account)
4
Card Overall Rating
  • Instant pre-qualification is available for those who qualify
  • Less than perfect credit is okay
  • Access your account online or from your mobile device 24/7
  • Choice of card image at no extra charge
  • Account history is reported to the three major credit bureaus in the U.S.
  • *Dependent on credit worthiness
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
24.9%
Annual Fee
$35 - $99*
5
Card Overall Rating
  • Enjoy 0% Intro APR on Purchases and/or Balance Transfers; a variable go-to APR applies when the introductory period is over.
  • There is a balance transfer fee.
  • Earn rewards on all purchases.
  • No Annual Fee.
Intro APR on Purchases
0% (up to 18 months)
Intro APR on Balance Transfers
0% (up to 18 months)
Ongoing APR
See terms
Annual Fee
$0

This offer is not available in District Of Columbia, Iowa, Washington, West Virginia, Wisconsin.

5
Card Overall Rating
Excellent, Good, Fair, Average Credit
  • Unlimited cash back on payments - 3% on Home, Auto and Health categories and 1% on everything else
  • $0 fees - $0 annual fee, $0 activation fees, $0 maintenance fees
  • Combine the flexibility of a card with the low cost and predictability of a loan
  • No touch payments with contactless technology built in
  • See if you qualify in minutes without hurting your credit score
  • Access to a virtual card while you wait for your card to arrive in the mail
  • Great for large purchases with predictable payments you can budget for
  • Mobile app to access your account anytime, anywhere
  • Enjoy peace of mind with $0 Fraud liability

This offer is not available in District Of Columbia, Iowa, Washington, West Virginia, Wisconsin.

Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
8.99% - 29.99%
Annual Fee
$0

This offer is not available in U.S. territories.

4
Card Overall Rating
Excellent/Good Credit
  • No annual fee for the first year with the M1 Plus account.
  • Earn 10%, 5% or 2.5% cash back on purchases with some of the most popular brands.
  • Earn 1.5% back on all other purchases.
  • Using M1 automation, you can reinvest your rewards in your portfolio for continued growth.
  • No foreign transaction fees.

This offer is not available in U.S. territories.

Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
14.99% to 24.99%
Annual Fee
$95 (waived for active M1 Plus customers)
5
Card Overall Rating
Excellent/Good Credit
  • New Card Holder Offer - up to $100 credit applied to your Verizon wireless bill over the first 24 months when you use the card to pay your wireless bill.
  • Up to $10 per month off each eligible account or line, up to 10 lines max on select plans, when you enroll in Verizon Auto Pay with the Verizon Visa Card for the first-time.
  • You can earn rewards in the form of Verizon Dollars:
  • 4% on grocery store & gas purchases.
  • 3% on dining purchases, including takeout.
  • 2% on Verizon purchases (including monthly wireless bill).
  • 1% on all other purchases everywhere Visa Credit Cards are accepted.
  • Card holders can use Verizon Dollars at our store - but they don’t have to. They can use them on travel, or to get gift cards from their favorite brands. They can even put them toward their wireless bill.
  • No annual or foreign transaction fees.178
  • To learn more see www.verizon.com/verizonvisacard for details.
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
18.74% - 25.74% (variable, dependent on card type) Rates are accurate as of February 1, 2021
Annual Fee
$0178
4
Card Overall Rating
  • Earn 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. Plus 1% cash back rewards on all other purchases, terms apply
  • With $0 Fraud Liability, you won’t be responsible for unauthorized charges
  • View your free online access to your Experian credit score, terms apply
  • Automatically earn More Cash Back Rewards for using your Credit One Bank card at participating merchants, terms apply
  • If you are a Covered Borrower under the Military Lending Act, you may get a different offer
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
23.99% Variable
Annual Fee
$95
4
Card Overall Rating
Good/Excellent Credit
  • Earn 2% unlimited cash back on eligible purchases when redeemed towards investing, saving, or paying down an eligible loan with SoFi.
  • You can get up to $100 by opening a SoFi Invest and SoFi Money account after getting approved
  • No annual fee, no foreign transaction fee, Mastercard World Elite benefits
  • See offer and benefit terms
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
12.99% - 24.99%* Variable
Annual Fee
$0
5
Card Overall Rating
Excellent/Good Credit
  • 15,000 Bonus Points when you spend $1,500 in first 90 days.
  • 5x Points on gas paid at the pump and EV charging stations.
  • 3x Points at the supermarket (including most Target and Walmart locations), restaurants and TV, radio, cable, streaming services.
  • 1x Points on all other purchases.
  • 0% Balance Transfers Promo APR for 12 months, 3% fee applies to each transaction. Subject to credit approval.
  • Annual Fee: $0
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
0% promotional balance transfer rate for 12 Months
Ongoing APR
13.49% to 17.99%
Annual Fee
$0
4
Card Overall Rating
Poor to Good Credit
  • All the benefits of a Mastercard, without a security deposit
  • Keeping your account in good standing may help establish and/or improve your credit history
  • Less than perfect credit is okay, even with a prior bankruptcy!
  • Prequalify for a card today and it will not impact your credit score
  • Reports to all three major credit bureaus
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
24.9%
Annual Fee
$59-$99
5
Card Overall Rating
Excellent/Good Credit
  • LOW APR on all purchases.
  • $100 Bonus Statement Credit when you spend $1,500 in the first 90 days.
  • Purchase Variable APR: 7.49% to 17.99%
  • 0% promotional balance transfer rate for 12 Months on transfers made from now until March 31, 2022. After that, the APR for the unpaid balance and any new balance transfers will be be a non-variable rate of 17.99%.
  • Annual Fee: $0
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
0% promotional balance transfer rate for 12 Months
Ongoing APR
7.49% to 17.99%
Annual Fee
$0
4
Card Overall Rating
  • Pre-qualifying today will not affect your credit score
  • Less than perfect credit histories can qualify, even with prior bankruptcy!
  • Mobile friendly online access from anywhere
  • Fraud protection for stolen or lost cards
  • Account history is reported to the three major credit bureaus in the U.S.
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
24.9%
Annual Fee
$0 - $99

This offer is not available in District Of Columbia, Iowa, Washington, West Virginia, Wisconsin.

5
Card Overall Rating
Excellent, Good, Fair, Average Credit
  • Earn 1.5% unlimited cash back on card purchases every time you make a payment
  • Combine the flexibility of a card with the low cost and predictability of a loan
  • $0 fees - $0 annual fee, $0 activation fees, $0 maintenance fees
  • No touch payments with contactless technology built in
  • See if you qualify in minutes without hurting your credit score
  • Access to a virtual card while you wait for your card to arrive in the mail
  • Great for large purchases with predictable payments you can budget for
  • Mobile app to access your account anytime, anywhere
  • Enjoy peace of mind with $0 Fraud liability

This offer is not available in District Of Columbia, Iowa, Washington, West Virginia, Wisconsin.

Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
8.99%-29.99%
Annual Fee
$0

Top Credit Cards for Good Credit

Having a good credit score not only indicates your financial responsibility - it shows banks and other financial institutions that you are trustworthy, and a good risk for loans and lines of credit. It makes life easier for you because you'll have no trouble qualifying for the best offers, including cash back, bonus points, and low or no-interest cards.

So, what is a good credit rating? FICO score is one representative of your credit history. And what are good credit scores? According to the FICO score range, scores between 700 and 749 are considered good credit. But the scores alone may not tell the whole story, and are not a guarantee that you will be approved for any credit card offer.

When you have good credit, you can borrow money at better interest rates, because banks know that you are having a solid history to meet financial obligations. Potential employers may also look at credit reports when they evaluate candidates - so your good credit could help you get a job.

How to get good credit? Well it's at the same time easy and not. You should make all your monthly payments with all your creditors on time. And it's better to pay more than a minimum because high amounts of debt won't be good for your credit. Length of your credit history and good mix of different types of credit accounts also make your good credit.

You'll qualify for a lower interest rate on mortgages, home equity lines of credit, car loans, and credit cards when you have a high credit score. You can even save with 0% APR on balance transfers and new purchases, and get cash back on purchases made everywhere you shop. That is what considered good credit and what you get when your credit is good.

GET YOUR OFFER MATCH
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This tool finds credit offers that suit your situation best. However, only lenders and issuers decide whether you'll be approved or not for an offer.

Not Sure Which Card to Choose?

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If your credit score is between 700 and 749±, you have a good credit history. You may call yourself a lucky one - all the doors are open to you. You may choose from a wide variety of credit cards. First of all, you need to identify your goals. Do...
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Credit scores generally range from 300 to 850±. The more the number, the better credit score you have. generally a good credit score is within the range on 700 and 749. So if you if yours falls into this interval, you are the lucky one with the...
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