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.
Directly with Bank of America®
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- 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days, then 12.99% - 22.99% Variable APR
- $0 Intro balance transfer fee during first 60 days of account opening. After that, the fee for future balance transfers is 3% (min. $10).
- No annual fee
- No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply.
- Access your FICO® Score for free within Online Banking or your Mobile Banking app
Credit Needed: Excellent, GoodCreditWeb considers people with a credit score higher than 740 to have excellent credit. A credit score between 700 and 739 is considered good credit. 2
Reviews: Be the first to write one
Rewards: None
| Annual Fee |
BT Intro APR |
Purchase Intro APR |
Regular APR |
| $0* |
0% Intro APR for 15 billing cycles for balance transfers made in the first 60 days* |
0% Intro APR for 15 billing cycles on purchases |
12.99% - 22.99% Variable APR on purchases and balance transfers |
|
Directly with American Express
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- $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
- No annual fee.
- 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
- 2% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
- Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 13.99% to 24.99%.
- Expanding merchant acceptance: Over 1 million more places in the U.S. started accepting American Express® Cards in the last year.
- Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
- Terms Apply.
- See Rates & Fees
Credit Needed: Excellent, GoodCreditWeb considers people with a credit score higher than 740 to have excellent credit. A credit score between 700 and 739 is considered good credit. 2
Reviews: 13
Rewards: Cash Back
| Annual Fee |
BT Intro APR |
Purchase Intro APR |
Regular APR |
| $0 |
0% on Balance Transfers for 15 months |
0% on Purchases for 15 months |
13.99%-24.99% Variable |
|
Directly with American Express
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- Earn 25,000 Membership Rewards® Points after you use your new Card to make $2,000 in purchases within the first 3 months.
- 3X points for flights booked directly with airlines. 2X points at US restaurants, US gas stations, and at US supermarkets. 1X points on other purchases.
- No Foreign Transaction Fees.
- $100 Airline Fee Credit. Up to $100 a calendar year for baggage fees at one airline.
- Get a $75 hotel credit on qualifying charges, plus a room upgrade upon arrival, when available with The Hotel Collection at americanexpress.com/hc.
- $0 Intro Annual Fee for the 1st year, then $195.
- Expanding merchant acceptance: Over 1 million more places in the U.S. started accepting American Express® Cards in the last year.
- Terms Apply.
- See Rates & Fees
Credit Needed: Excellent, GoodCreditWeb considers people with a credit score higher than 740 to have excellent credit. A credit score between 700 and 739 is considered good credit. 2
Reviews: 6
Rewards: Airlines
| Annual Fee |
BT Intro APR |
Purchase Intro APR |
Regular APR |
| Introductory annual fee of $0 for the first year, then $195. |
N/A |
N/A |
N/A |
|
Directly with American Express
Compare
- Earn 10,000 Membership Rewards® points after you use your new Card to make $1,000 in purchases in your first 3 months.
- Low intro APR: 0% for 12 months on purchases and balance transfers, then a variable rate, currently 13.99% to 23.99%.
- No annual fee.
- 2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x); 1x points on other purchases.
- Use your Card 20 or more times on purchases in a billing period and earn 20% more points on those purchases less returns and credits.
- Expanding merchant acceptance: Over 1 million more places in the U.S. started accepting American Express® Cards in the last year.
- Terms Apply.
- See Rates & Fees
Credit Needed: Excellent, GoodCreditWeb considers people with a credit score higher than 740 to have excellent credit. A credit score between 700 and 739 is considered good credit. 2
Reviews: 1
Rewards: Other
| Annual Fee |
BT Intro APR |
Purchase Intro APR |
Regular APR |
| $0 |
0% on Balance Transfers for 12 months |
0% on Purchases for 12 months |
13.99%-23.99% Variable |
|
Directly with American Express
Compare
- Earn 60,000 Membership Rewards® points after you use your new Card to make $5,000 in purchases in your first 3 months.
- New! Up to $200 Uber Savings Annually.
- 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel.
- 5X Membership Rewards® points on eligible hotels booked on amextravel.com.
- As a Platinum Card Member, you can enjoy access to the Global Lounge Collection, the only credit card airport lounge access program that includes proprietary lounge locations around the world.
- Receive complimentary benefits with an average total value of $550 with Fine Hotels & Resorts. Learn More. Terms Apply.
- $200 Airline Fee Credit, up to $200 a year in baggage fees and more at one airline. Terms Apply.
- Terms Apply.
- See Rates & Fees
Credit Needed: Excellent, GoodCreditWeb considers people with a credit score higher than 740 to have excellent credit. A credit score between 700 and 739 is considered good credit. 2
Reviews: 10
Rewards: Travel
| Annual Fee |
BT Intro APR |
Purchase Intro APR |
Regular APR |
| $550 |
N/A |
N/A |
N/A |
|
Directly with Bank of America®
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- Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire
- 20,000 online bonus points if you make at least $1,000 in purchases in the first 90 days - that can be a $200 statement credit toward travel purchases
- Use your card to book your trip how and where you want – you’re not limited to specific websites with blackout dates or restrictions
- Redeem points for a statement credit to pay for flights, hotels, vacation packages, cruises, rental cars, or baggage fees
- Comes with chip technology for enhanced security and protection at chip-enabled terminals
- 0% Introductory APR for 12 billing cycles for purchases, then 15.99% - 23.99% Variable APR
- Get an additional 10% customer points bonus on every purchase when you have an active Bank of America® checking or savings account
- If you’re a Preferred Rewards client, you can increase that bonus to 25% - 75%
Credit Needed: Excellent, GoodCreditWeb considers people with a credit score higher than 740 to have excellent credit. A credit score between 700 and 739 is considered good credit. 2
Reviews: 1
Rewards: Travel
| Annual Fee |
BT Intro APR |
Purchase Intro APR |
Regular APR |
| $0* |
N/A* |
0% Intro APR for 12 billing cycles on purchases |
15.99% - 23.99% Variable APR on purchases and balance transfers |
|
Directly with American Express
Compare
- Earn 30,000 Bonus Miles after spending $1,000 in purchases on your new Card in your first 3 months and a $50 statement credit after you make a Delta purchase with your new Card within your first 3 months.
- Earn 2 miles on every dollar spent on purchases made directly with Delta. Earn 1 mile for every eligible dollar spent on purchases.
- 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.
- Settle into your seat sooner with Priority Boarding.
- Enjoy a $0 introductory annual fee for the first year, then $95.
- Terms Apply.
- See Rates & Fees
Credit Needed: Excellent, GoodCreditWeb considers people with a credit score higher than 740 to have excellent credit. A credit score between 700 and 739 is considered good credit. 2
Reviews: 27
Rewards: Airlines
| Annual Fee |
BT Intro APR |
Purchase Intro APR |
Regular APR |
| $0 introductory annual fee for the first year, then $95. |
N/A |
N/A |
16.74%-25.74% Variable |
|
Directly with Bank of America®
Compare
- No annual fee
- $150 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
- Earn 1% cash back on every purchase, 2% at grocery stores and wholesale clubs, and 3% on gas for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter
- No changing categories and no expiration on rewards
- 0% Introductory APR for 12 billing cycles for purchases AND for any balance transfers made in the first 60 days, then, 13.99% - 23.99% Variable APR. 3% fee (min $10) applies to balance transfers
- Get a 10% customer bonus every time you redeem your cash back into a Bank of America® checking or savings account
- If you're a Preferred Rewards client, you can increase that bonus to 25% - 75%
Credit Needed: Excellent, GoodCreditWeb considers people with a credit score higher than 740 to have excellent credit. A credit score between 700 and 739 is considered good credit. 2
Reviews: 4
Rewards: Cash Back
| Annual Fee |
BT Intro APR |
Purchase Intro APR |
Regular APR |
| $0* |
0% Intro APR for 12 billing cycles for balance transfers made in the first 60 days* |
0% Intro APR for 12 billing cycles on purchases |
13.99% - 23.99% Variable APR on purchases and balance transfers |
|
Directly with Bank of America®
Compare
- $150 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
- From June 2015 through December 2020, Bank of America is guaranteeing to Susan G. Komen® $3 million in conjunction with its Pink Ribbon Banking credit card and checking program.
- Susan G. Komen® has received more than $7 million from Bank of America from this program since 2009.
- Earn 1% cash back on every purchase, 2% at grocery stores and wholesale clubs, and 3% on gas for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter.
- No annual fee
- No changing categories and no expiration on rewards
- Get a 10% customer bonus every time you redeem your 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, 13.99% - 23.99% Variable APR. 3% fee (min $10) applies to balance transfers.
Credit Needed: Excellent, GoodCreditWeb considers people with a credit score higher than 740 to have excellent credit. A credit score between 700 and 739 is considered good credit. 2
Reviews: Be the first to write one
Rewards: Cash Back
| Annual Fee |
BT Intro APR |
Purchase Intro APR |
Regular APR |
| $0* |
0% Intro APR for 12 billing cycles for balance transfers made in the first 60 days* |
0% Intro APR for 12 billing cycles on purchases |
13.99% - 23.99% Variable APR on purchases and balance transfers |
|
Directly with American Express
Compare
- $200 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
- 6% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%) - that means spending $60 a week at U.S. supermarkets could earn over $180 back per year.
- 3% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
- Low intro APR: 0% for 12 months on purchases and balance transfers, then a variable rate, currently 13.99% to 24.99%.
- Expanding merchant acceptance: Over 1 million more places in the U.S. started accepting American Express® Cards in the last year.
- $95 annual fee.
- Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
- Terms Apply.
- See Rates & Fees
Credit Needed: Excellent, GoodCreditWeb considers people with a credit score higher than 740 to have excellent credit. A credit score between 700 and 739 is considered good credit. 2
Reviews: 3
Rewards: Cash Back
| Annual Fee |
BT Intro APR |
Purchase Intro APR |
Regular APR |
| $95 |
0% on Balance Transfers for 12 months |
0% on Purchases for 12 months |
13.99%-24.99% Variable |
|
Directly with American Express
Compare
- Earn 25,000 bonus Starpoints® after you use your new Card to make $3,000 in purchases within the first 3 months.
- Earn 2 Starpoints® for each dollar of eligible purchases spent on the Card at participating SPG® & Marriott Rewards® hotels. Earn 1 Starpoint for all other purchases.
- No Foreign Transaction Fees on International purchases.
- Redeem Starpoints® at over 1,300 participating hotels and resorts in over 100 countries and for flights on more than 150 airlines with SPG flights, all with no blackout dates.
- $0 introductory annual fee for the first year, then $95.
- Terms Apply.
- See Rates & Fees
Credit Needed: Excellent, GoodCreditWeb considers people with a credit score higher than 740 to have excellent credit. A credit score between 700 and 739 is considered good credit. 2
Reviews: 4
Rewards: Hotels
| Annual Fee |
BT Intro APR |
Purchase Intro APR |
Regular APR |
| $0 introductory annual fee for the first year, then $95. |
N/A |
N/A |
16.24%-20.24% Variable |
|
Directly with American Express
Compare
- Limited Time Offer: Earn 100,000 Hilton Honors Bonus Points after you spend $3,000 in purchases with your new Card within the first 3 months of Card Membership.
- Plus, earn a free weekend night award after your first anniversary of Card Membership. Offer expires on 10/4/2017.
- Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a participating hotel or resort within the Hilton Portfolio.
- Earn 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, U.S. supermarkets, and U.S. gas stations.
- Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
- Expanding merchant acceptance: Over 1 million more places in the U.S. started accepting American Express® Cards in the last year.
- Spend $40,000 on eligible purchases on your Card in a calendar year and you can earn Hilton Honors Diamond status through the end of the next calendar year.
- Terms Apply.
- See Rates & Fees
Credit Needed: Excellent, GoodCreditWeb considers people with a credit score higher than 740 to have excellent credit. A credit score between 700 and 739 is considered good credit. 2
Reviews: Be the first to write one
Rewards: Hotels
| Annual Fee |
BT Intro APR |
Purchase Intro APR |
Regular APR |
| $75 |
N/A |
N/A |
16.24%-20.24% Variable |
|
- Earn 10,000 bonus points after spending $1,000 on purchases in the first 90 days
- Earn 3 points per $1 spent on JetBlue purchases, 2 points per $1 at restaurants and grocery stores and 1 point per $1 on all other purchases
- No blackout dates on JetBlue-operated flights & redeem for any seat, any time on JetBlue-operated flights. Points required for an Award Flight will vary based on the published base fare at the time of booking
- Points awarded in your TrueBlue account don't expire
- Earn and share points together with Family Pooling
- 50% savings on eligible inflight purchases like cocktails and food on JetBlue-operated flights
- No foreign transaction fees
- Chip technology & $0 Fraud Liability protection
Credit Needed: Excellent, GoodCreditWeb considers people with a credit score higher than 740 to have excellent credit. A credit score between 700 and 739 is considered good credit. 2
Reviews: Be the first to write one
Rewards: Airlines
| Annual Fee |
BT Intro APR |
Purchase Intro APR |
Regular APR |
| $0 |
0% for 12 months (on balance transfers made within 45 days of account opening) |
N/A |
12.99%, 20.99% or 25.99% variable |
|
- Get a $200 cash rewards bonus after you spend $1,000 in purchases in the first 90 days after account opening
- Earn unlimited 1.5% cash rewards on every purchase. Every time you redeem, get a 5% cash rewards redemption bonus to use toward your next redemption
- Redeem your cash rewards for a deposit into a U.S. checking or savings account, a statement credit or gift cards. Redemptions start at $50
- Cash rewards do not expire as long as your account is open, active and in good standing
- Enjoy a 0% introductory APR for the first 15 months on purchases.
- Plus, you'll get a 0% introductory APR for 15 months for each balance transfer made within 45 days of account opening. After that a variable APR will apply, 15.99%, 20.99% or 25.99%, based on your creditworthiness.
- Please note, there is a fee for balance transfers
- No annual fee
Credit Needed: ExcellentCreditWeb considers people with a credit score higher than 740 to have excellent credit. 2
Reviews: Be the first to write one
Rewards: Cash Back
| Annual Fee |
BT Intro APR |
Purchase Intro APR |
Regular APR |
| $0 |
0% for 15 months (on balance transfers made within 45 days of account opening) |
0% for 15 months |
15.99%, 20.99% or 25.99% Variable |
|
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.
