The Ultimate Guide to Credit Cards
Sunday, February 23, 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
1Discover it® Cash BackGood Credit13.49% - 24.49% Variable ★★★★★ 5.0
2Chase Freedom Unlimited®1.5% cash back16.49% - 25.24% Variable ★★★★★ 5.0
3Capital One® Venture® Rewards Credit CardGood Credit17.24% - 24.49% (Variable) ★★★★★ 5.0
4Chase Freedom®$150 Bonus16.49% - 25.24% Variable ★★★★★ 5.0
5Discover it® Balance TransferGood Credit13.49% - 24.49% Variable ★★★★★ 4.9
6Discover it® MilesGood Credit13.49% - 24.49% Variable ★★★★★ 4.8
7Capital One® VentureOne® Rewards Credit CardGood Credit13.49% - 23.49% (Variable) ★★★★★ 4.8
8Discover it® chromeGood Credit13.49% - 24.49% Variable ★★★★★ 4.8
9Capital One® Quicksilver® Cash Rewards Credit Card1.5% cash back15.49% - 25.49% (Variable) ★★★★★ 4.8
10Capital One® Spark® Cash Select for Business1.5% cash back14.49% - 22.49% (Variable) ★★★★★ 4.8
11Chase Sapphire Preferred® CardGood Credit17.49% - 24.49% Variable ★★★★★ 4.8
12Capital One® Savor® Cash Rewards Credit CardGood Credit15.99% - 24.99% (Variable) ★★★★★ 4.8
13Capital One® SavorOne® Cash Rewards Credit CardGood Credit15.49% - 25.49% (Variable) ★★★★★ 4.8
14Capital One® Spark® Cash for BusinessGood Credit18.49% (Variable) ★★★★★ 4.7
15Capital One® Spark® Miles for BusinessGood Credit18.49% (Variable) ★★★★★ 4.7
16Capital One® Spark® Miles Select for BusinessGood Credit14.49% - 22.49% (Variable) ★★★★★ 4.7
17Credit One Bank® Cash Back Rewards Credit CardGood Credit19.49% to 25.49% Variable ★★★ 2.8
18Credit One Bank® Visa® Cash Back RewardsGood Credit19.49% to 25.49% Variable ★★★ 2.8
19Credit One Bank® Platinum Visa® with Cash Back RewardsGood Credit19.49% to 25.49% Variable ★★★ 2.6
20Milestone® 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 excellent credit?

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 model. Since FICO credit scores are the most popular, it makes sense to use those numbers. So, 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 Having Low Balances

If you have managed to earn a good credit score, you likely already have the tools and responsible credit behaviors to reach an excellent credit score. For example, you probably have a positive payment history and low credit utilization rates, as those are the two main factors in your credit score calculations.

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 score is 15% of your FICO calculation, which can easily be 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 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.

Brittney Mayer

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.