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.

  • 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.
  • Earn unlimited 1.25 miles on every purchase, every day and pay no annual fee.
  • Fly any airline, stay at any hotel, anytime.
  • Enjoy a low intro APR on purchases until February 2016; 11.9% - 19.9% variable APR after that.
  • Travel when you want - no blackout dates.
  • No foreign transaction fees.
  • 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
February
2016)
11.9% -
19.9% (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
  • 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 6,000 cardmembers rated 4.8 out of 5 stars± and J.D. Power awarded Discover "Highest in Customer Satisfaction with Credit Card Companies. Tied in 2014."+
  • 5% Cashback Bonus for gas and ground transportation on up to $1,500 in purchases from Jan. through Mar. 2015 after you sign up for 5% Cashback Bonus. 1% cash back on all other purchases.
  • Free FICO® Credit Score on monthly statements, online and in our mobile app.±
  • 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 - day or night.
  • ±See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply."
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Intro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
0%
(14 months)
0%
(14 months)
10.99% -
22.99% Variable±
$0
  • Take $25 off your $100 purchase from Gettington - Use Coupon Code GTN334 **Offer Expires 1/31/2015.
  • Apply now, buy Today*.
  • Low APR, No Hidden Fees, No annual fees.
  • Shop Brand Name Products.
  • Two payment options available*.
Apply Now
Intro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
n/an/a14.90% or 19.90%$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 purchases until November 2015; 12.9% - 22.9% variable APR after that.
  • Balance transfers also have a 0% intro APR until November 2015, a 3% fee applies to each balance transferred.
  • Pay no annual fee or foreign transaction fees.
  • 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
November
2015)
0%
(until
November
2015)
12.9% -
22.9% (Variable)
$0
  • Get 0% intro APR on all purchases until May 2016; 10.9% - 18.9% variable APR after that.
  • Balance transfers also have a 0% intro APR until May 2016, a 3% fee applies to each balance transferred.
  • Pay no annual fee or foreign transaction fees.
  • 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
May
2016)
0%
(until
May
2016)
10.9% -
18.9% (Variable)
$0
  • Unlimited 1% cash back gas rewards.
  • No limit to the gas rewards you can earn.
  • Get Pre-Qualified without affecting your credit score.
  • Automatic reviews for credit line increase opportunities.
  • Zero fraud liability protects you from unauthorized charges.
Apply Now
Intro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
n/a*n/a*17.90% -
23.90% (Variable)*
$35-$99*

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.

* See Card Terms & Conditions for Details.
± Click apply for Terms & Conditions.