Credit Cards for Good to Excellent Credit Ratings

Find a credit card for a good to excellent credit history in this section. Expect lower rates and competitive rewards. CreditWeb determines good credit for people who's FICO scores are between 700 and 739, and excellent credit above 740. 2 Most cards in this category also offer low or 0% introductory rates for purchases or balance transfers, rewards programs and other benefits limited to people with prime credit.




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Destiny Mastercard®
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Directly with Concora Credit Inc.

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Destiny Mastercard®

  • 24/7 access to your account, even on mobile!
  • Accepted nationwide, wherever Mastercard is accepted
  • Account history is reported to the three major credit bureaus in the U.S
  • All the benefits of a Mastercard, without a security deposit
  • An opportunity to build and access credit
  • An unsecured Mastercard for less than perfect credit
  • Fraud Protection* from unauthorized charges
  • Keeping your account in good standing may help establish and/or improve your credit history
  • Multiple card designs to choose from, no extra charge
  • Responsible use and on time payment history can begin your financial future on the right track
  • Simple and fast application process
  • Quick and easy application process with a typical decision in 60 seconds or less
  • $700 Credit Limit

* The Destiny Mastercard is issued by Concora Credit Inc. Applications are subject to issuer review (which may include obtaining your credit report) and approval. Fraud protection provided by Mastercard Zero Liability Protection. If approved, you'll receive the Mastercard Guide to Benefits that details the complete terms with your card.

Credit Needed:
Poor, GoodCreditWeb considers the following based on credit types:

A credit score between 690 and 740 to have good credit. A credit score below 600 is considered poor credit. 2

Reviews: Be the first to write one
Rewards: None
Annual Fee Balance Transfers APR Purchase Intro APR Regular APR
See Terms* N/A* N/A* See Terms*
Upgrade Cash Rewards Visa®
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on Upgrade's Secure Site

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Upgrade Cash Rewards Visa®

  • $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*
  • Earn 1.5% unlimited cash back on card purchases every time you make a payment
  • Combine the flexibility of a credit card with the predictability of a personal loan
  • No annual fee
  • No touch payments with contactless technology built in
  • See if you qualify in minutes without hurting your credit score
  • Great for large purchases with predictable payments you can budget for
  • Mobile app to access your account anytime, anywhere
  • Enjoy peace of mind with $0 Fraud liability
  • See Rates & Fees

** To qualify for the welcome bonus, you must... See More

Credit Needed:
Excellent, GoodCreditWeb considers the following based on credit types:

A credit score higher than 740 is considered excellent credit. A credit score between 690 and 740 to have good credit. 2

Reviews: 1
Rewards: Cash Back
Annual Fee Balance Transfers APR Purchase Intro APR Regular APR
$0 N/A* N/A 14.99% - 29.99% APR
Upgrade Triple Cash Rewards Visa®
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on Upgrade's Secure Site

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Upgrade Triple Cash Rewards Visa®

  • $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions
  • Unlimited cash back on payments: 3% on Home, Auto, and Health categories and 1% on everything else after you make payments on your purchases
  • No annual fee
  • Combine the flexibility of a credit card with the predictability of a personal loan
  • No touch payments with contactless technology built in
  • See if you qualify in minutes without hurting your credit score
  • Great for large purchases with predictable payments you can budget for
  • Mobile app to access your account anytime, anywhere
  • Enjoy peace of mind with $0 Fraud liability

** To qualify for the welcome bonus, you must... See More

Credit Needed:
Excellent, Good, Above AverageCreditWeb considers the following based on credit types:

A credit score higher than 740 is considered excellent credit. A credit score between 690 and 740 to have good credit. A credit score between 685 and 710 is considered above average credit. 2

Reviews: Be the first to write one
Rewards: Cash Back
Annual Fee Balance Transfers APR Purchase Intro APR Regular APR
$0* N/A* N/A* 14.99% - 29.99% APR
Upgrade Life Rewards Visa®
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Directly with Cross River Bank

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Upgrade Life Rewards Visa®

  • 3% Cash Back on payments for Gas, Grocery, Health, Streaming, and Utility categories, 1% cash back on everything else (Target and Walmart earn 1%)
  • Pay your balance in full early each month and avoid interest with EarlyPay*
  • Combine the flexibility of a card with the predictability of a loan
  • No Annual fee*
  • No touch payments with contactless technology built in*
  • See if you qualify in minutes without hurting your credit score
  • Great for large purchases with predictable payments you can budget for
  • Mobile app to access your account anytime, anywhere


Credit Needed:
Excellent, GoodCreditWeb considers the following based on credit types:

A credit score higher than 740 is considered excellent credit. A credit score between 690 and 740 to have good credit. 2

Reviews: Be the first to write one
Rewards: Cash Back
Annual Fee Balance Transfers APR Purchase Intro APR Regular APR
$0 N/A N/A 14.99% - 29.99% APR
If you have good to excellent credit, there's a world of opportunity in regards to the number of credit cards you qualify for. You've done your part in increasing and maintaining a high credit score, and now it's time to take full advantage.

Credit card companies love customers with good to excellent credit, so there's no shortage of offers. With so many options to consider, it's important to remain patient as you compare the finer details of the cards that best suit your needs.

While the final choice is yours, we recommend that you examine the rates, fees, rewards, and other benefits before applying. For example, some cards in this category have no annual fee, cash rewards, and/or access to a variety of travel perks.

Most importantly, many of the cards in the "good to excellent credit" category offer 0% introductory rates for purchases or balance transfers. This is perfect for many types of consumers, including those who are seeking to eliminate monthly interest charges.
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* See the online bank credit card application for details regarding terms and conditions for offers. When you click on the "Apply Now" button, CreditWeb will connect you to the offer, then the page will be redirected in a few seconds.

1 Advertiser Disclosure: The card offers that appear on this site are from companies from which CreditWeb receives compensation. This compensation may impact how and where products appear on this site, including the order in which they appear. We do not include all credit card companies or all card offers available in the marketplace. Please see the credit card application for details about the offer as well as the terms and conditions.

Editorial Note: Opinions expressed here are the author's alone, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

2 FICO scores/credit scores are used to represent the credit-worthiness of a person and may be one indicator to the credit type you are eligible for. However, a credit score alone does not guarantee or imply approval for any credit card product.
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