CREDIT CARDS FOR GOOD CREDIT IN 2023

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 2023: BEST CREDIT CARD OFFER FOR GOOD CREDIT

5
Card Overall Rating
Good/Excellent Credit
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
0% (12 months on balance transfers made in the first 90 days after account opening)
Ongoing APR
17.99% Variable
Annual Fee
$95
  • Earn more everywhere you go!
  • 50,000 Bonus Points when you spend $3000 in the first 90 days
  • Up to $799 total Travel value

More Credit Offers for Good Credit

My GM Rewards Card™ Application
Compare
on Goldman Sachs' secure website
4
Card Overall Rating
Excellent/Good Credit
  • The only U.S. co-branded card that offers unlimited 4x points on all purchases and no annual fee.*
  • Get 15,000 bonus points after you spend $1,000 in your first three months.*
  • Earn unlimited 7x total points with GM.*
  • Redeem towards a new GM vehicle purchase or lease with no limit. For example, spending $12K per year on everyday purchases will earn you 48,000 pts/$480 toward future redemption with GM
  • 0% intro APR on purchases for the first 12 months, then a variable APR of 19.24% to 29.24%.*
  • No annual fee, no foreign transaction fees, or cash advance fees. Late fees may apply.*
  • See if you're approved with no impact to your Credit Score. Accepting a card after your application is approved will result in a hard inquiry, which may impact your credit score.
  • Terms & Limitations Apply. Click here to see *Rates and Terms and Benefit Terms. Subject to credit approval.
Intro APR on Purchases
0% (12 Months)*
Intro APR on Balance Transfers
N/A*
Ongoing APR
19.24% to 29.24% variable purchase APR based on creditworthiness. Rates as of 1/1/2023*
Annual Fee
None*
First Tech Platinum Rewards Mastercard® Application
Compare
on First Tech's secure website
5
Card Overall Rating
Excellent/Good/Fair Credit
  • Earn 10,000 bonus Rewards Points when you spend $2,000 in the first 60 days
  • Earn 1 point for every $1 spent on everyday purchases
  • No annual fee or balance transfer fee
  • Points never expire while account is open and in good standing
  • Redeem points for travel, merchandise, events and activities, charitable donations, and gift cards
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
0% Intro APR for 12 billing cycles on balance transfers made in the first 90 days
Ongoing APR
12.24% - 18.00% Variable APR
Annual Fee
None
5
Card Overall Rating
Good/Excellent Credit
  • Get Rewarded on Everyday Purchases
  • 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
  • 15,000 Bonus Points when you spend $1,500 in first 90 days
  • 0% Balance Transfers Promo APR for 12 months, 3% fee applies to each transaction. Subject to credit approval. 0% introductory APR for 12 months on balance transfers made in the first 90 days after account opening. After that, the APR for the unpaid balance and any new balance transfers will be a non-variable rate of 17.99%. A 3% balance transfer fee applies to each transfer. This transaction is subject to credit approval. If you take advantage of this balance transfer, you will immediately be charged interest on all purchases made with your credit card unless you pay the entire account balance, including balance transfers, in full each month by the payment due date.
  • Annual Fee: $0
  • Purchase Variable APR: 17.99%
  • Refer to PenFed.org for Terms/Conditions
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
0% (12 months on balance transfers made in the first 90 days after account opening)
Ongoing APR
17.99% Variable
Annual Fee
$0
5
Card Overall Rating
Excellent/Good Credit
  • 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.
  • 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).
  • Up to $100 annual airline credit and $100 Global Entry and TSA Pre-Check application fee credit.
  • Cell Phone Protection, Lyft credits, Postmates discounts, Fandango perks and more.
  • Annual fee: $495 ($195 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
17.99%
Annual Fee
$495 ($195 for each Authorized User added to the account)
First Tech Choice Rewards World Mastercard® Application
Compare
on First Tech's secure website
5
Card Overall Rating
Excellent/Good Credit
  • Earn 20,000 bonus Rewards Points when you spend $3,000 in the first 60 days
  • Earn 2 Rewards Points for every $1 spent on groceries, gas, electronics, medical, household goods and telecommunications and 1 Reward Point for every $1 spent on all other purchases
  • Redeem Reward Points for travel, merchandise, events, experiences, gift cards and cash
  • No points maximum and your points never expire
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
0% Intro APR for 12 billing cycles on balance transfers made in the first 90 days
Ongoing APR
12.50% - 18.00% Variable APR
Annual Fee
None
5
Card Overall Rating
Good/Excellent Credit
  • Earn Cash Back for Everyday Purchases
  • No Caps. No Limits. No Gimmicks.
  • 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. 0% introductory APR for 12 months on balance transfers made in the first 90 days after account opening. After that, the APR for the unpaid balance and any new balance transfers will be a non-variable rate of 17.99%. A 3% balance transfer fee applies to each transfer. This transaction is subject to credit approval. If you take advantage of this balance transfer, you will immediately be charged interest on all purchases made with your credit card unless you pay the entire account balance, including balance transfers, in full each month by the payment due date.
  • Annual Fee: $0
  • Purchase Variable APR: 17.99%
  • Refer to PenFed.org for Terms/Conditions
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
0% (12 months on balance transfers made in the first 90 days after account opening)
Ongoing APR
17.99% Variable
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
17.99%
Annual Fee
$195 ($95 for each Authorized User added to the account)
4
Card Overall Rating
Fair / Good Credit
  • Prequalify for a card today and it will not impact your credit score
  • Less than perfect credit is okay
  • Access your account online or from your mobile device 24/7
  • 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
Good Credit
  • 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, West Virginia, Wisconsin.

4
Card Overall Rating
Excellent, Good, Fair, Average Credit
  • $200 bonus on your Upgrade Card after opening a Rewards Checking account and making 3 debit card transactions**
  • Unlimited cash back on payments: 3% on Home, Auto, and Health categories and 1% on everything else after you make payments on your purchases
  • $0 annual fee, $0 activation fees, $0 foreign transaction fees
  • Combine the flexibility of a credit card with the predictability of a personal loan
  • No touch payments with contactless technology built in
  • See if you qualify in minutes without hurting your credit score
  • 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, West Virginia, Wisconsin.

Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
14.99% - 29.99%
Annual Fee
$0

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

4
Card Overall Rating
Excellent/Good Credit
  • Earn up to 10% cash back* with the Owner's Rewards Card by M1. Then, reinvest your rewards for long-term growth.
  • Get a baseline of 1.5% cash back on everyday purchases, and unlock higher rewards tiers of 2.5%, 5%, and 10% cash back with M1 Plus.
  • Use M1 automation to easily reinvest your rewards for long-term impact.
  • Integrate even more of your financial life in one place, while helping you grow and maximize your wealth with everyday transactions.
  • Visa Signature® benefits including Zero Liability, exclusive experiences, and more.
  • The credit card for investors is here. Invest when you spend and build your wealth with everyday transactions.
  • There is no annual fee.
  • Your first three months of M1 Plus is free.* Get exclusive features and discounts to help you build your wealth.

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

Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
19.24% - 29.24% APR
Annual Fee
$0

This offer is not available in MA, ME, ND, NH, NV, OR, RI, TN, VT.

4
Card Overall Rating
Any Credit
  • Get Personalized Credit Card Offers Based on Your Credit File from Experian®. 100% Free!
  • Credit Cards Matched For You
  • Compare Credit Card Offers
  • See Cards In Under 60 Seconds

This offer is not available in MA, ME, ND, NH, NV, OR, RI, TN, VT.

Intro APR on Purchases
See terms
Intro APR on Balance Transfers
See terms
Ongoing APR
See terms
Annual Fee
See terms
4
Card Overall Rating
Poor to Good Credit
  • Greater access to credit than before - $500 credit limit
  • 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!
  • 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
See terms
5
Card Overall Rating
Good/Excellent Credit
  • Our Lowest-Rate Card
  • Benefits of this gold card include low APR and low promotional balance transfer APR. Go for the gold today!
  • LOW APR on all purchases
  • 0% Introductory APR on purchases made within the first 15 months after account opening; 0% Balance Transfers Promo APR for 15 months. 3% fee applies to each transaction. Subject to credit approval. 0% introductory APR for 15 months on balance transfers made in the first 90 days after account opening. After that, the APR for the unpaid balance and any new balance transfers will be a non-variable rate of 17.99%. A 3% balance transfer fee applies to each transfer. This transaction is subject to credit approval. If you take advantage of this balance transfer, you will immediately be charged interest on all purchases made with your credit card unless you pay the entire account balance, including balance transfers, in full each month by the payment due date.
  • Annual Fee: $0
  • Purchase Variable APR: 13.49% to 17.99%
  • Refer to PenFed.org for Terms/Conditions
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
0% (15 months on balance transfers made in the first 90 days after account opening)
Ongoing APR
13.49% to 17.99% Variable
Annual Fee
$0
4
Card Overall Rating
Fair / Good Credit
  • Pre-qualifying today will not affect your credit score
  • Less than perfect credit histories can qualify, even with prior bankruptcy!
  • 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, West Virginia, Wisconsin.

4
Card Overall Rating
Excellent, Good, Fair, Average Credit
  • $200 bonus on your Upgrade Card after opening a Rewards Checking account and making 3 debit card transactions**
  • Earn 1.5% unlimited cash back on card purchases every time you make a payment
  • Combine the flexibility of a credit card with the predictability of a personal loan
  • $0 annual fee, $0 activation fees, $0 foreign transaction fees
  • No touch payments with contactless technology built in
  • See if you qualify in minutes without hurting your credit score
  • 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, West Virginia, Wisconsin.

Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
14.99% - 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
Check if you're pre-qualified for a credit offer
It takes less than
1 minute
Will not affect your
credit score
Select your credit score:
Have your ever declared Bankruptcy?
Which active bank accounts Do you have?
Debit Card
Credit Card
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?

Ask Our Experts or Read Credit Card FAQs
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...
Airlines credit cards offer a great opportunity to earn rewards for your flights. In order to choose the best you need to account all the factors. The crucial thing is to be aware of your credit score, as most travel cards require good and...
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...
Have a Question About Credit Cards?

User Comments about Credit Cards for Good Credit