Credit Cards for Good to Excellent Credit Ratings
Find a credit card for a healthy credit history in this section.
10 Credit Cards Found
Featured Card
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BankAmericard® Visa® Card- 0% Introductory APR for 15 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 10.99% - 20.99% variable APR
- No annual fee
- Enjoy Purchase Replacement coverage on lost, damaged or stolen purchases
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| Credit Needed | Annual Fee | BT Intro APR |
Purchase Intro APR | Regular APR | Rewards | Reviews |
| Excellent | None* | 0.00% for 15 Billing Cycles For Qualifying Balance Transfers* | 0.00% for 15 Billing Cycles* | 10.99%-20.99% Variable* on purchases & balance transfers | None | Be the first to write one |
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BankAmericard Cash Rewards™ Credit Card- Get $100 cash rewards bonus after you spend $500 on purchases in the first 90 days of account opening
- 1% cash back on purchases everywhere, every time
- 2% on groceries and 3% on gas for the first $1500 in combined gas and grocery purchases each quarter
- Get a 10% customer bonus when you redeem cash back into a Bank of America® checking or savings account
- 0% introductory APR for 12 billing cycles for purchases and for any balance transfers made in the first 60 days, then, the regular APR
- No Annual fee
- No rotating categories and your rewards do not expire
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| Credit Needed | Annual Fee | BT Intro APR |
Purchase Intro APR | Regular APR | Rewards | Reviews |
| Excellent | None* | 0.00% for 12 Billing Cycles For Qualifying Balance Transfers* | 0.00% for 12 Billing Cycles* | 12.99% - 22.99% Variable* on purchases & balance transfers | Cash Back | Be the first to write one |
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American Express® Premier Rewards Gold Card- Earn More: earn 25K Membership Rewards® points after you spend $2K during your first three months of Card membership; earn 15K points after you spend $30,000 in one calendar year
- Earn Fast: 3X points for flights booked with airlines, 2X points at US gas stations and US supermarkets, 1X points on other purchases. Terms and limitations apply.
- Use points for gift cards for dining, entertainment, and to shop over 300 of some of your favorite brands
- Access to Benefits: Baggage Insurance Plan* when you travel, and shop with confidence with Extended Warranty* and Return Protection.*Underwritten by Amex Assurance Company
- Book two consecutive hotel nights through American Express Travel and receive $75 back at checkout. Restrictions may apply
- $0 introductory annual fee for the first year, then $175
- Terms and Restrictions Apply
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| Credit Needed | Annual Fee | BT Intro APR |
Purchase Intro APR | Regular APR | Rewards | Reviews |
| Excellent | Introductory annual fee of $0 for the first year, then $175 | N/A | N/A | N/A | Airlines | 3 |
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Discover it®- The new Discover it card is out to change the way people think about credit cards.
- Fair...No annual fee. No overlimit fee. No foreign transaction fee & no pay-by-phone fee. No late fee on your first late payment. And we won't increase your APR for paying late.*
- Generous…5% Cashback Bonus on up to $1,500 in purchases at Home Improvement Stores now through June with free and easy sign-up. And 1% cash back on all other purchases.*
- Plus a Cashback ConciergeSM who guides a free, personalized online tour to help you get the most rewards for how you use your card.
- Flexible…Choose your own due date and pay up to midnight ET online or by phone.
- Human…talk to a real person any time with 100% U.S.-based service.
- 0% Intro APR* on balance transfers for 18 months. Then the variable purchase APR applies, currently 10.99% - 22.99%.
- 0% Intro APR* on purchases for 6 months. Then the variable purchase APR applies, currently 10.99% - 22.99%. *Click apply for Terms & Conditions.
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| Credit Needed | Annual Fee | BT Intro APR |
Purchase Intro APR | Regular APR | Rewards | Reviews |
| Excellent | $0 | 0.00% for 18 Months* | 0.00% for 6 Months* | 10.99% - 22.99% (V)* | Cash Back | 1 |
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BankAmericard Travel Rewards® Credit Card- Earn 10,000 bonus points when you spend $500 on purchases in the first 90 days of account opening, which can be $100 towards travel purchases
- Earn flexible travel points good for everything from flights to baggage fees
- Earn 1.5 points for every dollar spent on purchases - 50% more than the average rewards programs which only offer 1 point per dollar
- No limit to the total number of points you can earn and points don't expire
- No annual fee
- Simply pay for your travel with your card. Then, call or go online and you can redeem your points for a statement credit towards all or part of your travel purchases
- No foreign transaction fees
- Chip Technology provides you expanded global acceptance when shopping anywhere you go, outside of the U.S.
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| Credit Needed | Annual Fee | BT Intro APR |
Purchase Intro APR | Regular APR | Rewards | Reviews |
| Excellent | None* | N/A | 0.00% for 12 Billing Cycles* | 14.99% - 22.99% Variable* on purchases & balance transfers | Travel | Be the first to write one |
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The US Airways Premier World MasterCard®- Earn up to 40,000 bonus miles on qualifying transactions
- EXCLUSIVE: Redeem flights for 5,000 fewer miles
- Zone 2 boarding on every flight
- Enjoy 2 miles per $1 spent on US Airways purchases
- Earn 1 mile per $1 spent everywhere else
- Annual companion certificate good for round-trip travel for up to 2 companions at $99 each, plus taxes and fees
- First Class check-in
- Please see terms and conditions for complete details
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| Credit Needed | Annual Fee | BT Intro APR |
Purchase Intro APR | Regular APR | Rewards | Reviews |
| Excellent | $89 | 0.00% for For The First 15 Months* | N/A | 15.99% or 24.99% (Variable) | Airlines | 4 |
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Blue Cash Everyday® Card from American Express- Earn 100 Reward Dollars after you make $1,000 in purchases in the first three months of Cardmembership.
- Earn Cash Back: 3% at US supermarkets, up to $6,000 per year in purchases, 2% at US gas stations & select US dept stores, 1% on other purchases. Terms and limitations apply.
- Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
- Simple and Straightforward: With the Blue Cash Everyday Card, you can start earning cash back. No rotating reward categories. No enrollment required.
- No annual fee, 0% intro APR on purchases for 12 months. After that, your APR will be a variable rate, currently 12.99%-21.99% with flexibility to pay over time.
- Terms and Restrictions Apply.
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| Credit Needed | Annual Fee | BT Intro APR |
Purchase Intro APR | Regular APR | Rewards | Reviews |
| Excellent | $0 | N/A | 0.00% on purchases for 12 Months* | 12.99% - 21.99% Variable | Cash Back | 9 |
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Gold Delta SkyMiles® Credit Card from American Express- Bonus Miles: Earn 30,000 bonus miles toward Award Travel after you spend $500 on the Card within the first three months of Cardmembership.
- Earn As You Spend: Get 2X miles on Delta purchases and 1X miles for all other eligible dollars spent.
- Check your first bag free on every Delta flight - that's a savings of up to $200 per round trip for a family of four.
- Premium Travel Perks: Settle in sooner with Priority Boarding, and enjoy the skies with 20% in-flight savings to use toward meals, beverages, and movies awarded as a statement credit.
- $0 introductory annual fee for the first year, then $95.
- Terms and Restrictions Apply.
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| Credit Needed | Annual Fee | BT Intro APR |
Purchase Intro APR | Regular APR | Rewards | Reviews |
| Excellent | $0 intro annual fee for the first year, then $95 | None | None | 15.24% - 19.24% Variable | Airlines | 25 |
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Citi Simplicity® Card- 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 12.99% - 21.99% based on your creditworthiness.
- There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
- No late fees - EVER
- No penalty rate - EVER
- No annual fee - EVER
- Save time when you call with fast, personal help, 24 hours a day.
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| Credit Needed | Annual Fee | BT Intro APR |
Purchase Intro APR | Regular APR | Rewards | Reviews |
| Excellent | $0* | 0.00% for 18 Months* | 0.00% for 18 Months* | 12.99% - 21.99%* (Variable) | None | 1 |
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Discover it®- The new Discover it card is out to change the way people think about credit cards.
- Fair...No annual fee. No overlimit fee. No foreign transaction fee & no pay-by-phone fee. No late fee on your first late payment. And we won't increase your APR for paying late.*
- Generous…5% Cashback Bonus on up to $1,500 in purchases at Home Improvement Stores now through June with free and easy sign-up. And 1% cash back on all other purchases.*
- Plus a Cashback ConciergeSM who guides a free, personalized online tour to help you get the most rewards for how you use your card.
- Flexible…Choose your own due date and pay up to midnight ET online or by phone.
- Human…talk to a real person any time with 100% U.S.-based service.
- Safe…Because you'll never pay for unauthorized purchases with our $0 Fraud Liability Guarantee.
- 0% Intro APR* on purchases and balance transfers for 14 months. Then the variable purchase APR applies, currently 10.99% - 22.99%. *Click apply for Terms & Conditions.
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| Credit Needed | Annual Fee | BT Intro APR |
Purchase Intro APR | Regular APR | Rewards | Reviews |
| Excellent | $0 | 0.00% for 14 Months* | 0.00% for 14 Months* | 10.99% - 22.99% (V)* | Cash Back | 2 |
If you have a good or excellent credit rating, you should have many options before applying for a card. We recommend that you examine all rates, fees and rewards before applying. Most cards in this category also offer low or 0% introductory rates for purchases or balance transfers.
* See the online credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the "Apply Now" button, you can review the credit card terms and conditions on the issuers website.