Loans & Credit Cards for Good Credit in 2021

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 2021: BEST CREDIT CARD OFFER FOR GOOD CREDIT

4
Card Overall Rating
Poor to Good Credit
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
24.9%
Annual Fee
$59-$99
  • 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!

More Credit Offers for Good Credit

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, when you enroll in Verizon Auto Pay with the Verizon Visa Card.
  • “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.“
  • No annual or foreign transaction fees.
  • 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 December 1, 2020
Annual Fee
$0
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
4
Card Overall Rating
  • Easy pre-qualification process with fast response
  • Don't have perfect credit? No problem!
  • 24/7 access to your account, even on mobile!
  • No security deposit
  • 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
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
4
Card Overall Rating
  • Instant pre-qualification is available for those who qualify
  • Don't have perfect credit? No problem!
  • Mobile friendly online access from anywhere
  • Pick from multiple card designs 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*
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
3
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
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
8.99%-29.99%
Annual Fee
$0
5
Loan Overall Rating
Excellent / Good Credit
  • Loans between $5k - $100k, state restrictions apply1
  • Fixed rates starting at 5.99% APR (with AutoPay)2
  • 2, 3, 4, 5, 6, or 7 year repayment terms
  • No origination fees, no prepayment penalties
  • Personal loans can be used for a variety of reasons, like paying off credit card debt, investing in home improvements, taking a special vacation, or wedding expenses
Checking Account Required
Yes
Maximum Loan Amount
$100,000
Minimum Loan Amount
$5,000
Employment Required
Yes

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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Will not affect your
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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?

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...
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