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2018's Best Credit Cards for Good Credit

Below are our staff picks for 2018'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 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 2018's best credit cards for good credit:

Best Credit Cards Good Credit
Rank Card Name Feature Regular APR Expert Rating
1 Discover it® Cash Back Good Credit 13.74% - 24.74% Variable ★★★★★ 5.0
2 Chase Freedom Unlimited® 1.5% cash back 16.74% - 25.49% Variable ★★★★★ 5.0
3 Chase Freedom® $150 Bonus 16.74% - 25.49% Variable ★★★★★ 5.0
4 Capital One® Venture® Rewards Credit Card Bonus of 50,000 miles 14.74% - 24.74% (Variable) ★★★★★ 5.0
5 Wells Fargo Cash Wise Visa® Card 1.5% cash rewards 14.74%-26.74% (Variable) ★★★★★ 4.9
6 Discover it® Balance Transfer Good Credit 13.74% - 24.74% Variable ★★★★★ 4.9
7 Capital One® VentureOne® Rewards Credit Card Bonus of 20,000 miles 13.74% - 23.74% (Variable) ★★★★★ 4.8
8 Discover it® Miles Good Credit 13.74% - 24.74% Variable ★★★★★ 4.8
9 Capital One® Spark® Cash Select for Business 1.5% cash back 14.74% - 22.74% (Variable) ★★★★★ 4.8
10 Chase Sapphire Preferred® Card 50,000 bonus points 17.74% - 24.74% Variable ★★★★★ 4.8
11 Capital One® Quicksilver® Card – 0% Intro APR for 15 Months 1.5% cash back 14.74% - 24.74% (Variable) ★★★★★ 4.8
12 Discover it® chrome 2% cash back 13.74% - 24.74% Variable ★★★★★ 4.8
13 Wells Fargo Propel American Express® Card Good Credit 14.24%-26.74% (Variable) ★★★★★ 4.8
14 Capital One® Savor® Cash Rewards Credit Card Good Credit 16.24% - 25.24% (Variable) ★★★★★ 4.8
15 Capital One® SavorOne℠ Cash Rewards Credit Card Good Credit 14.74% - 24.74% (Variable) ★★★★★ 4.8
16 Capital One® Spark® Miles Select for Business Bonus of 20,000 miles 14.74% - 22.74% (Variable) ★★★★★ 4.7
17 Capital One® Spark® Miles for Business Bonus of 50,000 miles 18.74% (Variable) ★★★★★ 4.7
18 Capital One® Spark® Cash for Business 2% cash back 18.74% (Variable) ★★★★★ 4.7
19 Barclays Arrival® Premier World Elite Mastercard® Good Credit 17.74%, 21.74% or 24.74% variable based on your creditworthiness ★★★★★ 4.7
20 Wells Fargo Platinum Visa® Card $0 Annual Fee 16.90%-26.74% (Variable) ★★★★★ 4.6

How to Go From Good Credit to Excellent Credit

Ashley Dull
By: Ashley Dull
Finance Editor
Updated:
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 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

In general, it's fair to assume that if you have a good credit score, you're probably doing the right things to get to an excellent score — so keep it up. Pay your bills on time and as agreed each month, keep low credit utilization levels, and be cognizant of opening new credit lines, and your score should continue to grow.

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 .

Ashley Dull

* 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.