Below are our staff picks for 2019's best credit cards for those with a good credit rating, which is generally considered a credit score of 700 to 750. Our reviews follow strict editorial guidelines and are updated regularly.
INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
Redeem cash back any amount, any time. Rewards never expire.
100% U.S. based customer service.
Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
0% Intro APR for 18 months on purchases and balance transfers (fees apply), then a 17.74%-27.24% variable APR; balance transfers made within 120 days qualify for the intro rate and fee
Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Platinum Visa® Credit Card
Easy access to your FICO® Credit Score with Wells Fargo Online®
Zero Liability protection for promptly reported unauthorized transactions
Convenient tools to help create a budget and manage your spending with My Money Map
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 2019's best credit cards for 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
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 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.
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.
The information on this page was reviewed for accuracy on .
About the Author
Ashley Dull is the editor-in-chief of CardRates.com, where she works closely with industry leaders in all sectors of finance to develop authoritative guides, news, and advice articles read by millions of Americans. Her expertise lies in credit cards and rewards programs as well as credit reports and how credit scores affect all aspects of consumerism. She is often asked to serve as an expert source on financial topics for national media outlets, such as CNN Money, MarketWatch, Money Matters, ABC News, and NBC News, and has recurring contributions to several leading finance websites. Connect with Ashley on LinkedIn and Twitter.
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