Good Credit CREDIT CARDS

With good credit, you’re likely to qualify for a variety of credit cards with features such as: no or low annual fee, competitive interest rate, and an attractive rewards program. Your strong credit history shows credit card issuers that you know how to manage your money and act responsibly. Below, we outline some of the best credit cards for consumers with good credit.

Upgrade Card

Credit lines from $500 to $20,000*

Card BrandVisa

Credit Recommended Fair,Good,Excellent

Regular Purchase APR 6.99%-29.99% APR

Annual Fee 0.00

Highlights

  • 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

* Credit Lines opened through Upgrade feature APRs of 6.99%-29.99% and line amounts ranging $500 – $50,000. The lowest rates require Autopay and the majority of the line amounts will be $20,000 or under. For example, a $5,000 transaction with a 36 month term and a 19.99% APR has a required monthly payment of $187.90. The APR on your draw may be higher or lower. Your rate, line amount, and default term depend on maintaining a qualifying credit score, your credit usage history, requested amount, and other factors.

Specifications

Intro (Purchases) n/a
Intro (Transfers) n/a
Regular APR 6.99%-29.99% APR
Annual Fee 0.00
Credit Recommended Fair,Good,Excellent
Cash Advance APR n/a
Cash Advance Fee n/a
Cash Grace Period n/a
Late Payment Fee 0.00
Overlimit Fee n/a
Return Check Fee 0.00
Foreign Trans Fee 0.00
Balance Transfer Fee 0.00

Reflex Mastercard®

See if you’re Pre-Qualified with no impact to your credit score

Card BrandMasterCard®

Credit Recommended Good/Fair/Bad Credit

Regular Purchase APR See Terms*

Annual Fee See Terms*

Highlights

  • Initial Credit Limit of $300 – $750* (subject to available credit)
  • See if you’re Pre-Qualified with no impact to your credit score
  • All credit types welcome to apply
  • Free access to your Vantage 3.0 score from TransUnion* (When you sign up for e-statements)
  • Monthly reporting to the three major credit bureaus
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere Mastercard® is accepted
  • Checking Account Required

Specifications

Intro (Purchases) n/a
Intro (Transfers) n/a
Regular APR See Terms*
Annual Fee See Terms*
Credit Recommended Good/Fair/Bad Credit
Cash Advance APR n/a
Cash Advance Fee n/a
Cash Grace Period n/a
Late Payment Fee n/a
Overlimit Fee
Return Check Fee n/a
Foreign Trans Fee n/a
Balance Transfer Fee n/a

Petal® Visa® Credit Card

$500 – $10,000 credit limits

Card BrandVisa

Credit Recommended Fair/Good/Limited/No Credit

Regular Purchase APR 12.99% - 29.49% Variable

Annual Fee 0.00

Highlights

  • No fees whatsoever. No late fee, international fee, annual fee, or any-other-kind-of-fee, fee
  • Up to 1.5% cash back after making 12 on-time monthly payments
  • Variable APRs 12.99% – 29.49%
  • 1% cash back on eligible purchases right away
  • Up to 10% cash back from select merchants
  • Build credit alongside tens of thousands of Petal Card members
  • Cash flow technology may help applicants without credit history get approved
  • $500 – $10,000 credit limits
  • Petal’s mobile app makes it easy to manage your money, track your spending, and automate payments
  • See if you’re pre-approved within minutes without impacting your credit score
  • Petal reports to all 3 major credit bureaus
  • No deposits required
  • Card issued by WebBank, Member FDIC

Specifications

Intro (Purchases) n/a
Intro (Transfers) n/a
Regular APR 12.99% - 29.49% Variable
Annual Fee 0.00
Credit Recommended Fair/Good/Limited/No Credit
Cash Advance APR n/a
Cash Advance Fee n/a
Cash Grace Period n/a
Late Payment Fee 0.00
Overlimit Fee
Return Check Fee n/a
Foreign Trans Fee n/a
Balance Transfer Fee n/a

Surge Mastercard® Credit Card

See if you’re Pre-Qualified without impacting your credit score

Card BrandMasterCard®

Credit Recommended Good/Fair/Bad

Regular Purchase APR See Terms*

Annual Fee See Terms*

Highlights

Give Your Credit a Surge
It is easy to complete our online application. The Surge Mastercard® is designed for people with less than perfect credit. If you make on-time minimum payments and maintain your balances under the credit limits, you may be able to build, rebuild, or reestablish your credit!

How it Works
The Surge credit card is designed for people with less than perfect credit who want to get back on track. After you complete our short and easy online application, your results will be ready in a matter of seconds! Don’t miss this chance to Surge!

Why Choose the Surge Card?
If you have poor credit and are trying to improve your credit score, using a credit card responsibly may help. The Surge Mastercard® will report your payment activity to the three major credit bureaus on a monthly basis. Maintaining a low balance and paying your bill on time every month are two of the best practices for positive credit.

Get Approved Today!
It is easy to complete our online application. The Surge Mastercard® is designed for people with less than perfect credit. If you make on-time minimum payments and maintain your balances under the credit limits, you may be able to build, rebuild, or reestablish your credit!

  • Initial Credit Limit of $300 – $750* (subject to available credit)
  • All credit types welcome to apply!
  • Monthly reporting to the three major credit bureaus
  • See if you’re Pre-Qualified without impacting your credit score
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere that Mastercard® is accepted
  • Free online account access 24/7
  • Checking Account Required

Specifications

Intro (Purchases) n/a
Intro (Transfers) n/a
Regular APR See Terms*
Annual Fee See Terms*
Credit Recommended Good/Fair/Bad
Cash Advance APR See Terms*
Cash Advance Fee n/a
Cash Grace Period n/a
Late Payment Fee n/a
Overlimit Fee
Return Check Fee n/a
Foreign Trans Fee n/a
Balance Transfer Fee n/a

FIT Mastercard®

Fast & Easy Application; Results Online in Seconds

Card BrandMasterCard®

Credit Recommended Good/Fair/Bad Credit

Regular Purchase APR See Terms*

Annual Fee See Terms*

Highlights

  • All credit types welcome to apply
  • Monthly reporting to the three major credit bureaus
  • Initial Credit Limit of $400.00* (Subject to available credit)
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere Mastercard® is accepted
  • Free access to your Vantage 3.0 score from TransUnion* (When you sign up for e-statements)
  • Checking Account Required

Specifications

Intro (Purchases) See Terms*
Intro (Transfers) n/a
Regular APR See Terms*
Annual Fee See Terms*
Credit Recommended Good/Fair/Bad Credit
Cash Advance APR See Terms*
Cash Advance Fee See Terms*
Cash Grace Period See Terms*
Late Payment Fee See Terms*
Overlimit Fee
Return Check Fee See Terms*
Foreign Trans Fee See Terms*
Balance Transfer Fee See Terms*

Jasper Mastercard®

Up to a $5k credit limit

Card BrandMasterCard®

Credit Recommended Excellent, Good, Limited

Regular Purchase APR 15.49% (variable)

Annual Fee $0*

Highlights

  • Up to a $5k credit limit
  • All the benefits of a premium Mastercard®
  • High credit limits, low interest rates
  • No annual fee*, no security deposit
  • No credit history required to apply if you don’t already have one. If you are a US citizen, a US permanent resident, or have been living in the US for over one year at the time of application, Jasper will run a hard credit inquiry with the credit bureaus.
  • An intuitive experience that includes personalized, real-time financial advice, and innovative auto payment options
  • Ongoing education for smart credit use via app and emails to encourage healthy financial behavior
  • Issued by WebBank, Member FDIC
  • *Review the Jasper fee schedule: Jasper Mastercard®

Specifications

Intro (Purchases) n/a
Intro (Transfers) n/a
Regular APR 15.49% (variable)
Annual Fee $0*
Credit Recommended Excellent, Good, Limited
Cash Advance APR 24.99% (variable)
Cash Advance Fee n/a
Cash Grace Period n/a
Late Payment Fee Up to $27.00
Overlimit Fee n/a
Return Check Fee Up to $27.00
Foreign Trans Fee n/a
Balance Transfer Fee n/a

Destiny Mastercard®

Unsecured credit card, no deposit required

Card BrandMasterCard®

Credit Recommended Poor to Good

Regular Purchase APR 24.9%

Annual Fee $59-$99

Highlights

  • 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

Specifications

Intro (Purchases) n/a
Intro (Transfers) n/a
Regular APR 24.9%
Annual Fee $59-$99
Credit Recommended Poor to Good
Cash Advance APR n/a
Cash Advance Fee n/a
Cash Grace Period n/a
Late Payment Fee n/a
Overlimit Fee n/a
Return Check Fee n/a
Foreign Trans Fee n/a
Balance Transfer Fee n/a

Indigo® Platinum Mastercard®

Don't have perfect credit? No problem!

Card BrandMasterCard®

Credit Recommended Fair/Good

Regular Purchase APR 24.9%

Annual Fee $0 - $99

Highlights

  • 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.

Specifications

Intro (Purchases) n/a
Intro (Transfers) n/a
Regular APR 24.9%
Annual Fee $0 - $99
Credit Recommended Fair/Good
Cash Advance APR n/a
Cash Advance Fee n/a
Cash Grace Period n/a
Late Payment Fee Up to $40.00
Overlimit Fee Up to $40.00
Return Check Fee Up to $40.00
Foreign Trans Fee n/a
Balance Transfer Fee n/a

Indigo® Unsecured Mastercard®

Pre-qualify today without an impact on your credit score

Card BrandMasterCard®

Credit Recommended Fair/Good

Regular Purchase APR 24.9%

Annual Fee $0 - $99

Highlights

  • Pre-qualify today without an impact on your credit score
  • Keeping your account in good standing may help establish and/or improve your credit
  • Access your account online or from your mobile device 24/7
  • Protection from fraud if your card is stolen
  • Account history is reported to the three major credit bureaus in the U.S.

Specifications

Intro (Purchases) n/a
Intro (Transfers) n/a
Regular APR 24.9%
Annual Fee $0 - $99
Credit Recommended Fair/Good
Cash Advance APR n/a
Cash Advance Fee n/a
Cash Grace Period n/a
Late Payment Fee Up to $40.00
Overlimit Fee Up to $40.00
Return Check Fee Up to $40.00
Foreign Trans Fee n/a
Balance Transfer Fee n/a

Card BrandMasterCard®

Credit Recommended Fair/Good Credit

Regular Purchase APR 24.9%

Annual Fee $35 - $99*

Highlights

  • 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.

Specifications

Intro (Purchases) n/a
Intro (Transfers) n/a
Regular APR 24.9%
Annual Fee $35 - $99*
Credit Recommended Fair/Good Credit
Cash Advance APR n/a
Cash Advance Fee n/a
Cash Grace Period n/a
Late Payment Fee Up to $40.00
Overlimit Fee Up to $40.00
Return Check Fee Up to $40.00
Foreign Trans Fee n/a
Balance Transfer Fee n/a

Card BrandMasterCard®

Credit Recommended Fair/Good

Regular Purchase APR 24.9%

Annual Fee $0 - $99

Highlights

  • Our pre-qualification process does not affect your credit score
  • Keeping your account in good standing may help establish and/or improve your credit
  • 24/7 access to your account, even on mobile!
  • Protection from fraud, if your card happens to be lost or stolen
  • Account history is reported to the three major credit bureaus in the U.S.

Specifications

Intro (Purchases) n/a
Intro (Transfers) n/a
Regular APR 24.9%
Annual Fee $0 - $99
Credit Recommended Fair/Good
Cash Advance APR n/a
Cash Advance Fee n/a
Cash Grace Period n/a
Late Payment Fee Up to $40.00
Overlimit Fee Up to $40.00
Return Check Fee Up to $40.00
Foreign Trans Fee n/a
Balance Transfer Fee n/a

Card BrandVisa

Credit Recommended Fair/Good

Regular Purchase APR 24.9%

Annual Fee $35 - $99*

Highlights

  • 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

Specifications

Intro (Purchases) n/a
Intro (Transfers) n/a
Regular APR 24.9%
Annual Fee $35-$99*
Credit Recommended Fair/Good
Cash Advance APR n/a
Cash Advance Fee n/a
Cash Grace Period n/a
Late Payment Fee Up to $40.00
Overlimit Fee Up to $40.00
Return Check Fee Up to $40.00
Foreign Trans Fee n/a
Balance Transfer Fee n/a

From Good Credit to Excellent Credit

While good credit is something to be proud of, remember this: there’s a little bit of room for improvement. By taking a few key steps, you can move into the excellent credit score category, which brings you even more benefits.

Here’s what you need to do:

1. Take Your Time

You want to boost your credit score quickly, but it doesn’t always work this way. Depending how far away you are from excellent credit territory, it could take six months or more to achieve your goal.
When you have a plan and exercise patience, you’ll steadily inch toward an excellent credit score.

2. Pay All Your Bills on Time

It’s easy to relax when you have a good credit score. You know you should pay your bills in full and on time, but you may slack off for one reason or the next.

If you want to take your credit score to the next level, you should always pay your bills on time.

Tip: set reminders on your smartphone so you never forget when your bills are due.

3. Review Your Credit Report

When was the last time you reviewed your credit report? If it’s been a while, don’t wait another day to take a closer look.

Many credit reports contain at least one error, which can drag down your score. By correcting inaccurate data, your score may experience an immediate bump.

4. Limit Credit Applications

It’s okay to apply for credit when necessary. For example, if you’re buying a new car, shopping around for the best loan can save you money.

However, you want to avoid too many hard inquiries over a short period of time. This can harm your credit score, thus making it more difficult to reach the next level.
Note: a hard inquiry can affect your credit score for as long as one year.

5. Pay Down Your Balances

Paying down your balances will give you peace of mind, while also boosting your credit score.

For example, if you have a $10k balance on a credit card with a $10k limit, start paying it down as quickly as possible. As your balance gets smaller, your credit score is more likely to rise.

Final Thoughts

A good credit score is an achievement, but don’t stop there. Continue to push yourself with the hopes of achieving an excellent score in the near future.

Once you reach this level, you’ll find that it provides you with a variety of financial benefits.

Advertiser Disclosure * Advertisements which display guaranteed credit lines or credit limits of $500.00 are exclusively for usage through online retail stores, online marketplace websites and/or online auctions. Credit limit offers displayed on advertisements are contingent on getting approved by the credit institution issuing the credit card or issuing the line of credit. When searching for the best credit card for you, there are several factors that you ought to consider. A few cards have APR rates that you need to review before you sign on with a bank or lender. Financing costs will influence your decision if you anticipate using the card for single purchases or if you intend to carry a monthly balance. If you don’t make your timely required payments by the due date, financing costs increase and you’ll have to pay the credit card organization those fees plus your current balance. Interest fees can shift from as low as 0% to as high as 35% for various periods. Please review the credit card applications for specifics into the terms and conditions. We strive to display current and up-to-date information. Nonetheless, all credit card offers are displayed without guarantee. To affirm terms and conditions, tap the "Apply Now" to learn more about the credit offer on a secure page provided by the card issuer(s). Please review full terms and conditions prior to applying for any credit card.

General Disclaimer Please review the credit card applications for specifics into the terms and conditions. We strive to display current and up-to-date information. Nonetheless, all credit card offers are displayed without guarantee. To affirm terms and conditions, tap the "Apply Now" to learn more about the credit offer on a secure page provided by the card issuer(s)

Editorial Note Our team of editors rate credit card offers unbiasedly in light of the components the credit card offers purchasers, expenses, financing costs, and how a credit card is related by category. The evaluations are the master supposition of our editors, and not affected by any compensation this site gets from the credit card issuer(s).

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