Credit Cards for Good to Excellent Credit Ratings
Find a credit card for a healthy credit history in this section.
10 Credit Cards Found
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Citi® Diamond Preferred® Card- 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 11.99%-21.99% based upon your creditworthiness.*
- 24/7 access to personalized concierge service providing assistance in booking hotel, flights, concert tickets and much more
- Special access for Citi cardmembers to purchase presale tickets, preferred seating, VIP packages, and other unforgettable live entertainment experiences through Citi Private Pass®
- $0 liability on unauthorized purchases and Citi® Identity Theft Solutions
- No annual fee*
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| Credit Needed | Annual Fee | BT Intro APR |
Intro APR | Normal APR | Rewards | Reviews |
| Good | $0* | 0.00% for 18 Months * | 0.00% for 18 Months* | 11.99% - 21.99% (Variable)* | None | 10 |
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American Express® Premier Rewards Gold Card- Membership Rewards® bonus: 15K points, redeemable for select gift cards valued at $150, when you spend $1,000 in your first three months of card membership
- Membership Rewards® points multiply fast! Earn 3X points on airfare, 2X points on gas and groceries, 1X points on everything else
- Exclusive access to Gold Card Destinations and events- Enjoy special travel packages and amenities at hotels worldwide, as well as select concerts, shows, major sporting events
- Introductory annual fee of $0 for the first year, then $175
- Get approved in 60-seconds.
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| Credit Needed | Annual Fee | BT Intro APR |
Intro APR | Normal APR | Rewards | Reviews |
| Excellent | $0* / $175 | None | None | N/A | Airlines | 3 |
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Southwest Airlines Rapid Rewards® Plus Credit Card- Now! Earn a Free Flight after your first purchase
- Get 3,000 Points every year on your Card member Anniversary - that can be redeemed for a $50 Wanna Get Away® Fare
- Now you can redeem for International Travel, Hotels, Gift Cards and more.
- Earn unlimited free flights - 2 Points per $1 Spent on Southwest Purchases and 1 Point per $1 Spent on everything else
- Your Bags Fly Free! No Blackout Dates, Points Don't Expire, and Unlimited Reward Seats!
- No Change fees - if you need to change your flight, you won't be charged a fee.
- September 11th Security Fee Applies
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| Credit Needed | Annual Fee | BT Intro APR |
Intro APR | Normal APR | Rewards | Reviews |
| Excellent | $69* | None | None | 15.24% (Variable)* | Airlines | Be the first to write one |
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Discover® More® Card - Balance Transfer Fee*- 0% intro APR on purchases for 6 months, then the variable standard purchase APR of 10.99% - 20.99%*
- 0% intro APR on balance transfers for 18 months, then the variable standard purchase APR of 10.99% - 20.99%*
- 5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply*
- Discover is ranked #1 in customer loyalty--15 years in row! (2011 Brand Keys Customer Loyalty Engagement Index report)
- 24/7 access to a U.S.-based Account Manager within 60 seconds
- $0 Fraud Liability plus automatic mobile and email fraud alert options
- Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
- *Click apply to view rates, fees, rewards, limitations and other important information
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| Credit Needed | Annual Fee | BT Intro APR |
Intro APR | Normal APR | Rewards | Reviews |
| Good | $0* | 0.00% for 18 Months * | 0.00% for 6 Months* | 10.99% - 20.99% (Variable)* | Cash Back | Be the first to write one |
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Continental Airlines OnePass® Plus Card- Earn up to 40,000 bonus miles & first year free ($95 value)*
- Now with priority boarding privileges on Continental and United flights
- Check your first bag for free on Continental and United flights, up to a $50 value
- Visit the United Club with two complimentary passes every year, a $100 value
- Earn 2 miles for $1 spent on tickets purchased from Continental and United and 1 mile per $1 everywhere else
- Your miles don't expire and there is no limit to the number of miles you can earn
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| Credit Needed | Annual Fee | BT Intro APR |
Intro APR | Normal APR | Rewards | Reviews |
| Excellent | $0* / $95 | None | None | 14.24% (Variable)* | Airlines | 2 |
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Blue Sky from American Express (SM)- No annual fee
- Travel rewards with no blackout dates or travel restrictions. Redeem with any airline, any car rental, any hotel- anytime
- Pay your bill all at once, or over time. It's up to you.
- Blue Savings Program®: big deals on big brands, all the time
- Rated "Best Airline Credit Card" by Card Ratings Consumer's Choice Awards in 2010
- Get approved in 60-seconds
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| Credit Needed | Annual Fee | BT Intro APR |
Intro APR | Normal APR | Rewards | Reviews |
| Good | $0* | None | 0.00% for 12 Months* | 17.24% - 22.24% (Variable)* | Airlines | 7 |
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Marriott Rewards® Credit Card- Earn 30,000 Bonus Points after your first use, redeemable for up to 4 free nights; plus receive 2 free night stay e-certificates upon account approval
- No Annual fee for your first year - that's a $45 value*
- Earn 3 points for every $1 spent at Marriott® locations
- Earn 1 point for every $1 spent on other purchases
- Cardmembers achieve Silver elite status with 10 nights credit toward Elite status
- Redeem Marriott Rewards® points at Marriott properties including Renaissance Hotels, Courtyard, Residence Inn, and Fairfield Inn & Suites
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| Credit Needed | Annual Fee | BT Intro APR |
Intro APR | Normal APR | Rewards | Reviews |
| Excellent | $0* / $45 | None | None | 14.24% (Variable)* | Hotels | Be the first to write one |
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Discover® More® Card- 0% intro APR on purchases and balance transfers for 15 months, then the variable standard purchase APR of 10.99% - 20.99%*
- 5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply*
- Up to 20% Cashback Bonus at popular retailers when you shop online through Discover.com
- Discover is ranked #1 in customer loyalty--15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report)
- 24/7 access to a U.S.-based Account Manager within 60 seconds
- $0 Fraud Liability plus automatic mobile and email fraud alert options
- Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
- *Click apply to view rates, fees, rewards, limitations and other important information
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| Credit Needed | Annual Fee | BT Intro APR |
Intro APR | Normal APR | Rewards | Reviews |
| Good | $0* | 0.00% for 15 Months * | 0.00% for 15 Months* | 10.99% - 20.99% (Variable)* | Cash Back | 56 |
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The Platinum Card® from American Express- 25,000 Membership Rewards® points when you spend $1,000 during your first three months of Card membership
- Global Travel benefits: Priority Pass select airport club access, No Foreign Transaction Fees, Global Entry expedited U.S. immigration pass
- Up to $200 in Airline Fee Credits annually to cover incidental charges on your airline of choice, including checked - baggage fee
- 24/7 Platinum Card® Concierge service for assistance with reservations, travel, gifts, and more
- Fine hotels & Resorts Program: exclusive upgrades and amenities at over 700 boutique, resort, and luxury hotels worldwide
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| Credit Needed | Annual Fee | BT Intro APR |
Intro APR | Normal APR | Rewards | Reviews |
| Good | $50* | None | None | N/A | Travel | 8 |
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Starwood Preferred Guest® Credit Card- Starpoints® Bonus: 10K with your first purchase and another 15K when you spend $5k within 6 months - enough for up to 6 free nights at a category 1 or 2 hotel
- Free nights, free flights: Redeem Starpoints with over 350 airlines through SPG Flights and more than 1,000 hotels and resorts worldwide. No blackout dates
- 2011 SmarterTravel® Award for "Best Travel Rewards Card"
- $0 introductory annual fee for the first year, then $65
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| Credit Needed | Annual Fee | BT Intro APR |
Intro APR | Normal APR | Rewards | Reviews |
| Good | $0* / $65 | 2.90% for 6 Months * | None | 15.24% - 19.24% (Variable)* | Hotels | 3 |
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.