The Ultimate Guide to Credit Cards
Monday, April 6, 2020
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2020's Best Credit Cards for Good Credit

Below are our staff picks for 2020's best credit cards for those with a good credit rating, which is generally considered a credit score of 700 to 750.

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Review Breakdown: Cards for Good Credit

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 2020's best credit cards for good credit:

Best Credit Cards Good Credit
RankCard NameFeatureRegular APRExpert Rating
1Chase Freedom Unlimited®1.5% cash back16.49% - 25.24% Variable ★★★★★ 5.0
2Capital One® Venture® Rewards Credit CardGood Credit17.24% - 24.49% (Variable) ★★★★★ 5.0
3Chase Freedom®$150 Bonus16.49% - 25.24% Variable ★★★★★ 5.0
4Capital One® VentureOne® Rewards Credit CardGood Credit14.49% - 24.49% (Variable) ★★★★★ 4.8
5Capital One® Quicksilver® Cash Rewards Credit Card1.5% cash back15.49% - 25.49% (Variable) ★★★★★ 4.8
6Capital One® Spark® Cash Select for Business1.5% cash back14.49% - 22.49% (Variable) ★★★★★ 4.8
7Chase Sapphire Preferred® CardGood Credit17.49% - 24.49% Variable ★★★★★ 4.8
8Capital One® Savor® Cash Rewards Credit CardGood Credit15.99% - 24.99% (Variable) ★★★★★ 4.8
9Capital One® SavorOne® Cash Rewards Credit CardGood Credit15.49% - 25.49% (Variable) ★★★★★ 4.8
10Capital One® Spark® Cash for BusinessGood Credit18.49% (Variable) ★★★★★ 4.7
11Capital One® Spark® Miles for BusinessGood Credit18.49% (Variable) ★★★★★ 4.7
12Capital One® Spark® Miles Select for BusinessGood Credit14.49% - 22.49% (Variable) ★★★★★ 4.7
13Milestone® Mastercard® with Choice of Card Image at No Extra ChargeGood Credit24.9% ★★ 2.0

How to Go From Good Credit to Excellent Credit

Brittney Mayer
By: Brittney Mayer
Finance Contributor
How to Go From Good Credit to Excellent Credit Guide: Good Credit

We all know the benefits of having a good credit score — it’s easier to get approved for new credit, rental properties, and utility accounts. But what about the benefits you get from having an excellent credit score?

While going from good to excellent credit is a simple matter of a couple dozen credit score points, the money-saving potential is real. An excellent credit score can save you thousands of dollars over your lifetime by giving you access to lower interest rates on loans and credit cards, as well as the ability to qualify for certain top-tier rewards credit cards not available to those with lower credit scores.

The actual numerical range of good and excellent credit scores will vary based on the specific credit score model, but since FICO credit scores are the most widely used, we’ll use those numbers for our examples.

A FICO credit score is considered good if it falls between 670 and 739, very good if it’s between 740 and 799, and excellent if it is above 800 (the maximum FICO Score for most models is 850).

So, how does one reach the coveted club of excellent-credit consumers? For the most part, it just takes time.

Keep Paying Your Bills on Time and Maintain Low Balances

The same five factors are used to calculate your credit score no matter which range you fall into, with your payment history and credit utilization as the most prominent contributors. So, the same healthy credit behaviors that earned you a good score will help you on your way to an excellent score.

That said, as you reach the good and excellent credit score ranges, things like your credit history length and credit mix will play larger roles in pushing your score to the next level. In particular, the length of your credit history is 15% of your FICO calculation, which can easily be the difference between a 725 credit score and one above 750.

Unfortunately, the only thing you can do to improve the length of your credit history is to wait. So, just keep up the same responsible credit card habits that got you to a good credit score and, as your credit history lengthens, you should see your credit score rise.

Expand Your Good Credit Habits to Achieve Excellent Credit

Your credit mix is also subject to time to a certain extent, as young people are certainly less likely to have the means necessary to obtain personal loans, auto loans, or mortgage loans. But, as you move through the stages of life and take on new financial responsibilities, make sure you maintain the same good credit habits that got you this far — and extend them to your new credit products.

Reaching an excellent credit score isn’t an accomplishment you can achieve overnight. It takes years of credit building and responsible financial decisions to join the coveted 800+ club.

But, as those with excellent credit can likely attest, it’s a goal worth pursuing, and one for which your pocketbook will thank you.

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.

The information on this page was reviewed for accuracy on .

About the Author

Brittney Mayer Brittney Mayer Finance Contributor

Brittney is a Credit Strategist and Finance Expert who has spent years honing her knowledge of the credit industry both personally and professionally. Brittney applies her more than a decade of research experience to crafting in-depth consumer guides designed to help CardRates readers make better, more informed financial decisions.

Advertiser Disclosure: The credit card offers that appear on this site are from credit card companies from which receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). 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.