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.

Intro Purchase APR n/a

Intro Balance Transfer APR n/a

Regular Purchase APR 19.49% -25.49% Variable

Annual Fee $0 - $99

Credit Recommended Good, Excellent

Card BrandVisa

Highlights

Credit One Bank® is one of America’s leading credit card providers, serving over 5 million customers nationwide. Credit One is committed to providing customers with credit card products that offer more value through cash back rewards and free online monthly credit score tracking.

  • Enjoy peace of mind with $0 Fraud Liability
  • Qualified applicants will receive a card with a competitive APR and no annual fee along with 1% cash back rewards on all purchases, terms apply
  • View updates to your Experian credit score with free online access, terms apply
  • Make paying your bill easier with the ability to choose your payment due date, terms apply
  • Access your account on-the-go with the Credit One Bank mobile app
  • Never miss an account update with customizable text and email alerts
  • Show off your personality by selecting from a variety of card designs, a fee may apply

Specifications

Intro (Purchases) n/a
Intro (Transfers) n/a
Regular APR 19.49% -25.49% Variable
Annual Fee $0 - $99
Credit Recommended Good, Excellent
Cash Advance APR 25.49% Variable
Cash Advance Fee $5.00/8% or $10.00/3%, whichever is greater (see terms)
Cash Grace Period 0 or 24 Days (see terms)
Late Payment Fee Up to $39 (terms apply)
Return Check Fee Up to $39 (terms apply)
Foreign Trans Fee 3% or $1.00, whichever is greater
Balance Transfer Fee n/a

FIT Mastercard®

Fast and easy application process; results in seconds

Intro Purchase APR See Terms*

Intro Balance Transfer APR n/a

Regular Purchase APR See Terms*

Annual Fee See Terms*

Credit Recommended Good/Fair/Bad Credit

Card BrandMasterCard®

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*
Return Check Fee See Terms*
Foreign Trans Fee See Terms*
Balance Transfer Fee See Terms*

Upgrade Card

Upgrade Card with Personal Credit Line

Intro Purchase APR N/A

Intro Balance Transfer APR N/A

Regular Purchase APR 6.49%-29.99%

Annual Fee 0.00

Credit Recommended Fair,Good,Excellent

Card BrandVisa

Highlights

  • Choose the Upgrade card with a personal credit line instead of a credit card and enjoy predictable payments on lines from $500-$50,000.
  • No Fees – No annual fees and no fees to use your card.
  • Quick and easy application – find out if you qualify in minutes.
  • Checking your line won’t hurt your credit score.
  • Free access to credit monitoring, alerts and features to help you understand your credit.
  • Use wherever Visa is accepted. (cannot be used at an ATM)

Specifications

Intro (Purchases) n/a
Intro (Transfers) n/a
Regular APR 6.49%-29.99%
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
Return Check Fee 0.00
Foreign Trans Fee 0.00
Balance Transfer Fee 0.00

Intro Purchase APR n/a

Intro Balance Transfer APR n/a

Regular Purchase APR 19.49% -25.49% Variable

Annual Fee $0 - $99

Credit Recommended Good, Excellent

Card BrandVisa

Highlights

Credit One Bank® is one of America’s leading credit card providers, serving over 5 million customers nationwide. Credit One is committed to providing customers with credit card products that offer more value through cash back rewards and free online monthly credit score tracking.

  • Qualified applicants will receive exclusive benefits such as 1% cash back rewards on all purchases, no annual fee, and a competitive APR. Terms apply.
  • Manage your account quickly and easily from your mobile device by using the Credit One Bank mobile app
  • Use your Apple device to make purchases securely through Apple Pay®. Apple Pay is a registered trademark of Apple, Inc.
  • Your account is safeguarded against unauthorized charges with Zero Fraud Liability at no additional charge.
  • Take advantage of free online access to your Experian credit score and credit report summary so you can track the key factors impacting your credit health. Terms apply.

Specifications

Intro (Purchases) n/a
Intro (Transfers) n/a
Regular APR 19.49% -25.49% Variable
Annual Fee $0 - $99
Credit Recommended Good, Excellent
Cash Advance APR 25.49% Variable
Cash Advance Fee $5.00/8% or $10.00/3%, whichever is greater (see terms)
Cash Grace Period 0 or 24 Days (see terms)
Late Payment Fee Up to $39 (terms apply)
Return Check Fee Up to $39 (terms apply)
Foreign Trans Fee 3% or $1.00, whichever is greater
Balance Transfer Fee n/a

Reflex Mastercard®

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

Intro Purchase APR See Terms*

Intro Balance Transfer APR n/a

Regular Purchase APR See Terms*

Annual Fee See Terms*

Credit Recommended Good/Fair/Bad Credit

Card BrandMasterCard®

Highlights

  • 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
Return Check Fee n/a
Foreign Trans Fee n/a
Balance Transfer Fee n/a

Intro Purchase APR n/a

Intro Balance Transfer APR n/a

Regular Purchase APR 19.49% -25.49% Variable

Annual Fee $0 - $99

Credit Recommended Excellent/Good

Card BrandVisa

Highlights

Credit One Bank® is one of America’s leading credit card providers, serving over 5 million customers nationwide. Credit One is committed to providing customers with credit card products that offer more value through cash back rewards and free online monthly credit score tracking.

  • 1% cash back rewards on all purchases, no annual fee, and a competitive APR are just a few of the benefits qualified applicants will enjoy. Terms apply.
  • With $0 Fraud Liability, you won’t be responsible for unauthorized charges
  • Managing your account is easy with the Credit One Bank mobile app
  • Pick a card that fits your style. Multiple card designs are available, a fee may apply
  • Monitor your credit with free online access to your Experian credit score, terms apply
  • Never miss an account update with customizable text and email alerts
  • Do your part to help the environment with the option to go paperless

Specifications

Intro (Purchases) n/a
Intro (Transfers) n/a
Regular APR 19.49% -25.49% Variable
Annual Fee $0 - $99
Credit Recommended Excellent/Good
Cash Advance APR 25.49% Variable
Cash Advance Fee $5.00/8% or $10.00/3%, whichever is greater (see terms)
Cash Grace Period 0 or 24 Days (see terms)
Late Payment Fee Up to $39 (terms apply)
Return Check Fee Up to $39 (terms apply)
Foreign Trans Fee 3% or $1.00, whichever is greater
Balance Transfer Fee N/A

Indigo® Platinum Mastercard®

Don't have perfect credit? No problem!

Intro Purchase APR n/a

Intro Balance Transfer APR n/a

Regular Purchase APR 24.9%

Annual Fee $0 - $99

Credit Recommended Fair/Good

Card BrandMasterCard®

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 n/a
Return Check Fee n/a
Foreign Trans Fee n/a
Balance Transfer Fee n/a

Indigo® Unsecured Mastercard®

Pre-qualify today without an impact on your credit score

Intro Purchase APR n/a

Intro Balance Transfer APR n/a

Regular Purchase APR 24.9%

Annual Fee $0 - $99

Credit Recommended Fair/Good

Card BrandMasterCard®

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 n/a
Return Check Fee n/a
Foreign Trans Fee n/a
Balance Transfer Fee n/a

Intro Purchase APR n/a

Intro Balance Transfer APR n/a

Regular Purchase APR 24.9%

Annual Fee $0 - $99

Credit Recommended Fair/Good

Card BrandMasterCard®

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 n/a
Return Check Fee n/a
Foreign Trans Fee n/a
Balance Transfer Fee n/a

Intro Purchase APR n/a

Intro Balance Transfer APR n/a

Regular Purchase APR 24.9%

Annual Fee $35 - $99*

Credit Recommended Fair/Good

Card BrandVisa

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 n/a
Return Check Fee n/a
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).