Credit Cards » Good Credit Cards

Good Credit Cards

For those with good credit, looking for a new credit card should be easy. You will have a lot of cards to choose from featuring decent rates of interest, some great benefits, and even fabulous rewards programs. Because you have good credit, card issuers believe you should be rewarded for maintaining your credit. A good credit card and a good credit score allows you to make the purchases you need without having to carry around cash at all times.

  • 0% intro APR on purchases & balance transfers for 14 months - then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
  • Over 5,000 cardmembers rated 4.8 out of 5 stars± and now Discover "Ranked Highest in Customer Satisfaction with Credit Card Companies in a Tie" by J.D. Power.±
  • 5% cash back for online shopping and department store purchases on up to $1,500 - Oct. through Dec. 2014 when you sign up±. 1% cash back on all other purchases.
  • Free FICO® Credit Score online and on monthly statements.±
  • No annual fee, no late fee for your first late payment - APR won´t go up for paying late, no overlimit fee and no foreign transaction fee.±
  • Each Discover purchase is monitored. If it´s unusual, you´re alerted by e-mail, phone or text-and never responsible for unauthorized Discover card purchases.
  • 100% U.S. - based customer service - anytime, day and night.
  • ±See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply."
Apply Now
Intro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
0%
(14 months)
0%
(14 months)
10.99% -
22.99% Variable±
$0
  • Find card offers you may be eligible for without affecting your credit score.
  • Get matched to features you want like low intro rates, cash back or miles, and more.
  • See your card matches in less than 60 seconds.
  • Find a card for where you are — to help you prepare for what′s ahead.
  • All Capital One cards come with fraud coverage if your card is lost or stolen.
  • 24/7 account access including mobile app for fast and easy account management - right from your smartphone.
  • Pick the monthly payment due date that works best for you.
  • Pay the way you want - by check, online, or at a local branch.
Apply Now
Intro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
See termsSee termsVarious RatesSee terms
  • Get 0% intro APR on all purchases until December 2015.
  • Balance transfers also have a 0% intro APR until December 2015, a 3% fee applies to each balance transferred.
  • Enjoy no annual fee.
  • Get peace of mind with fraud coverage if your card is lost or stolen.
  • Enjoy extended warranty protection on eligible items purchased with your card.
  • Easily manage your account 24/7 with online access, by phone, or using our mobile app.
  • Pick the monthly due date that works best for you.
  • 100% free Capital One® Credit Tracker - see your monthly credit score anytime and get automatic alerts.
Intro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
0%
(until
December
2015)
0%
(until
December
2015)
10.9% -
18.9% (V)
$0
  • One-time $100 bonus after you spend $500 on purchases within the first 3 months.
  • Earn unlimited 1.5% cash back on every purchase, every day.
  • No rotating categories and no sign ups needed to earn cash rewards.
  • Cash back doesn′t expire and there′s no limit to how much you can earn.
  • 0% intro APR on all purchases until June 2015.
  • Balance transfers also have a 0% intro APR until June 2015, a 3% fee applies to each balance transferred.
  • No annual fee.
  • Capital One® Credit Tracker - the free way to easily monitor your monthly credit score anytime, anywhere.
Intro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
0%
(until
June
2015)
0%
(until
June
2015)
12.9% -
22.9% (V)
$0
  • 0% intro APR on balance transfers for 18 months - then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
  • 0% intro APR on purchases for 6 months. Then the variable purchase APR applies, currently 10.99% - 22.99%.
  • Over 5,000 cardmembers rated 4.8 out of 5 stars± and now Discover "Ranked Highest in Customer Satisfaction with Credit Card Companies in a Tie" by J.D. Power.±
  • 5% cash back for online shopping and department store purchases on up to $1,500 - Oct. through Dec. 2014 when you sign up±. 1% cash back on all other purchases.
  • Free FICO® Credit Score online and on monthly statements.±
  • No annual fee, no late fee for your first late payment - APR won´t go up for paying late, no overlimit fee and no foreign transaction fee.±
  • Each Discover purchase is monitored. If it´s unusual, you´re alerted by e-mail, phone or text-and never responsible for unauthorized Discover card purchases.
  • ±See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply."
Apply Now
Intro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
0%
(18 months)
0%
(6 months)
10.99% -
22.99% Variable±
$0
  • Earn unlimited 1.25 miles on every purchase, every day.
  • No annual fee.
  • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within the first 3 months, equal to $200 in travel.
  • Fly any airline, stay at any hotel, anytime.
  • Enjoy a low intro APR on purchases.
  • Travel when you want - no blackout dates.
  • Miles don′t expire and there′s no limit to how many you can earn.
  • 100% free Capital One® Credit Tracker - see your monthly credit score anytime and get automatic alerts.
Intro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
n/a0%
(until
September
2015)
11.9% -
19.9% (V)
$0
  • Earn unlimited 2X miles on every purchase, every day.
  • Enjoy a one-time bonus of 40,000 miles once you spend $3,000 on purchases within the first 3 months, equal to $400 in travel.
  • Fly any airline, stay at any hotel, anytime.
  • Travel when you want - no blackout dates.
  • Miles don′t expire and there′s no limit to how many you can earn.
  • No foreign transaction fees.
  • No annual fee for the first year; $59 after that.
  • 100% free Capital One® Credit Tracker - see your monthly credit score anytime and get automatic alerts.
Intro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
n/an/a13.9% -
20.9% (V)
$0 intro for first year;
$59 after that
  • Earn 5,000 bonus points after first purchase in your first 90 days.
  • 5 points per $1 at Sony Store and store.sony.com.
  • 3 points per $1 on dining out and movie purchases.
  • 1 point per $1 spent on all other purchases.
  • Redeem for Sony products, movies, music & more.
  • 0% intro APR on purchases until July 2015, after that a variable 13.9% - 24.9% applies.
  • No annual fee.
Apply Now
Intro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
n/a0%
(until
July
2015)
13.9% -
24.9% (V)
$0

People Who Manage Their Credit Responsibly Get Rewarded

Credit cards that are geared toward individuals with a good credit rating, target consumers with credit scores ranging from 700 to 749. In order to cultivate that type of score, you must make timely payments; maintain a low income-to-credit ratio and have a somewhat lengthy credit history. Typically, a credit status of "good" is given to someone who has possessed some sort of credit card or bank loan of at least $5,000 or more within the last three years. Just possessing this amount of credit in any form is not enough to give you a high credit status, nor will it automatically make you eligible for any type of card.

You must demonstrate that you have a history of timely repayment on all of your financial obligations involving credit, which might include cards, bank loans, rental payments, utilities and any other form of credit in which you may have applied for and received. One thing you might not be aware of is that any time you apply for a credit card and are denied this could hurt your credit score, so be sure that you only apply for credit that you really need, or stand a decent chance of being eligible for.

Continuing down the path of timely payments and reliability can help increase your credit rating and perhaps increase your credit score to excellent, which is the goal every consumer should aim for. Good to excellent credit ratings open many doors for people, and put them in the position to qualify for better rates on loans, mortgages, credit cards and other financial products.

If you possess good credit, you can obtain cards with great interest rates and super low introductory interest rate offers. You will also likely qualify for credit cards that have no or low annual fees and no usage charges. Your credit limit will also be higher than someone with poor or fair credit ratings, which means more buying power.

However, it is important to keep on the right track with your credit and maintain or increase your credit status. Obtaining a fantastic credit card and then travelling down the wrong path can result in a great deal of damage done to your credit report and subsequent score. If you start to find yourself making late payments, overextending your credit limit, or unable to make your payments altogether, you will soon find your credit rating lowered to fair or even poor. At the same time, your card company may lower your credit limit or perhaps cancel your card altogether, assessing late fees or other fees that can really increase the amount of debt you must repay to that company.

A good, solid credit rating is something to treasure and hold onto. Make sure that you make the right decisions and never spend more than you can afford to pay off. While you may have a low interest rate, if you tend to carry an outstanding balance on your credit cards and allow it to roll over month after month, you may find that the interest charges really start to pile up and become unmanageable.

Another great thing about credit cards available to those with good credit are the rewards programs that you can take advantage of. Many plastic cards now offer some sort of rewards program that allows you to earn rewards with each purchase you charge to that card. Some rewards you may find available might include company specific rewards. Company specific rewards give you perks usually based on what services or products the company has to offer.

For example, with airlines rewards, you might get points or mileage that can be redeemed for free airline tickets. With department stores, you might earn points that are good towards gift certificates or name brand merchandise. Points and mileage are earned with each purchase you make using your reward branded credit card; however, you usually earn more points or miles with specific purchases towards a specific company.

Keep your credit in good shape to continue to receive theĀ advantageous credit card offers around.

± Click apply for Terms & Conditions.