2016's Best Credit Cards for Good Credit

Below are our staff picks for 2016's best credit cards for those with a good credit rating, which is generally considered a credit score of 700 to 750:

Average APR
17.90%
Average Annual Fee
$19.50
Rate Trend
0.01%
since last month

Review Summary

If you're looking for a new credit card and have a good credit history, you'll have no problem finding a great offer to fit your needs. Below we've summarized all the top offers for applicants with good credit, along with the best features of each. Simply click on the card name to visit the issuer's secure online application.

Here are 2016's best credit cards for good credit:

Best Credit Cards Good Credit
Rank Card Name Feature Intro APR Expert Rating
1 Discover it® Cashback Match™ 5% cash back 0% for 14 months ★★★★★ 5.0
2 Chase Freedom Unlimited℠ 1.5% cash back 0% for 15 months ★★★★★ 5.0
3 Chase Freedom® 5% cash back 0% for 15 months ★★★★★ 5.0
4 Discover it® 18 Month Balance Transfer Offer 5% cash back 0% for 6 months ★★★★★ 4.9
5 Wells Fargo Cash Wise Visa® Credit Card 1.5% cash rewards 0% for 12 months ★★★★★ 4.9
6 Discover it® Miles – Unlimited 1.5x Rewards Card Good Credit 0% for 14 months ★★★★★ 4.8
7 Discover it® chrome 2% cash back 0% for 14 months ★★★★★ 4.8
8 Capital One® Venture® Rewards Credit Card Bonus of 40,000 miles N/A ★★★★★ 4.8
9 Capital One® VentureOne® Rewards Credit Card Bonus of 20,000 miles 0% for 12 months ★★★★★ 4.8
10 Capital One® Quicksilver® Cash Rewards Credit Card 1.5% cash back 0% for 9 months ★★★★★ 4.8
11 Capital One® Spark® Cash Select for Business 1.5% cash back 0% for 9 months ★★★★★ 4.8
12 Chase Sapphire Preferred® Card 50,000 bonus points N/A ★★★★★ 4.8
13 Wells Fargo Propel American Express® Card $0 Annual Fee 0% for 15 months ★★★★★ 4.8
14 Wells Fargo Propel 365 American Express® Card 20,000 bonus points 0% for 12 months ★★★★★ 4.8
15 Wells Fargo Rewards Visa® Credit Card 15,000 bonus points 0% for 12 months ★★★★★ 4.8
16 Capital One® Spark® Cash for Business 2% cash back N/A ★★★★★ 4.7
17 Capital One® Spark® Miles for Business Bonus of 50,000 miles N/A ★★★★★ 4.7
18 Capital One® Spark® Miles Select for Business Bonus of 20,000 miles 0% for 9 months ★★★★★ 4.7
19 Chase Slate® $0 Introductory 0% for 15 months ★★★★★ 4.7
20 Wells Fargo Platinum Visa® Credit Card $0 Annual Fee 0% for 15 months ★★★★★ 4.6

More About: Good Credit Credit Cards

How to Go from Good Credit to Excellent Credit

Mike Randall
Finance Expert
How to Go from Good Credit to Excellent Credit
CardRates.com Guide: Good Credit

We all know the benefits of having a good credit score – it’s easier to get a loan, approved for a credit card and better insurance rates. But what about the benefits you get from having excellent credit?

An excellent credit score can save you thousands of dollars over your lifetime by giving you access to loans, premier credit cards and perks that just aren’t available to those with less than stellar credit.

1.
Keep doing the basics

Generally speaking, a FICO score is considered good if it falls between 701 and 750. Remember, the FICO range is from 300 to 850. A score is generally considered to be excellent if it falls between 751 and 850. How do you go about clawing your way up from good credit to excellent credit? Believe it or not, the things you’ve done to achieve and maintain a good credit score are the same things you need to improve it to excellent – just keep doing them.

2.
Maintain good credit habits

Make your payments on time. Avoid excessive credit inquiries. Keep your credit utilization rate low. Pay more than the minimum amount due. Don’t close unused cards. All of these things are important when trying to keep your good score, but to achieve an excellent rating, you have to do a little more.

3.
Increase your good credit habits

Never make a late payment…ever. Keep your credit utilization (debt to available credit ratio) under 20 percent. Never cancel a credit card. Holding a credit line for a long time helps your score. Maintain multiple types of credit including a car loan, mortgage or personal credit line. Ask your card issuer for a credit limit increase. This will raise your total available credit. Review your credit report for errors frequently and quickly dispute any that aren’t accurate.

If you already have a good credit score, congratulations! If you’re not there yet, just follow the tips above and maintain a financially responsible lifestyle. Soon you’ll have the kind of score creditors love – and all the benefits that go along with it.

Photo source: lighterlifeblog.com

Editorial Note: Opinions expressed here are author's alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

Mike Randall

* Advertiser Disclosure: The credit card offers that appear on this site are from credit card companies from which CardRates.com receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). CardRates.com does not include all credit card companies or all available credit card offers. See the credit card issuer's website for specific terms and conditions of each card.