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.
Petal® 2 "Cash Back, No Fees" Visa® Credit Card
- No fees whatsoever. No late fee, international fee, annual fee, or any-other-kind-of-fee, fee.
- Up to 1.5% cash back after making 12 on-time monthly payments
- 1% cash back on eligible purchases right away
- 2% - 10% cash back from select merchants
- $500 - $10,000 credit limits
- Variable APRs 12.99% - 26.99%
- Build credit alongside tens of thousands of Petal Card members
- Cash flow technology may help applicants without credit history get approved
- Petal's technology may analyze your bank account info (using read-only access) to provide a better look at your full financial picture
- Petal's mobile app makes it easy to manage your money, track your spending, and automate payments
- See if you're pre-approved within minutes without impacting your credit score
- Petal reports to all 3 major credit bureaus
- No deposits required
- Card issued by WebBank, Member FDIC
Credit Needed: Limited, Fair 2
Reviews: Be the first to write one
Rewards: Cash Back
| Annual Fee |
BT Intro APR |
Purchase Intro APR |
Regular APR |
| $0 |
N/A |
N/A |
12.99% to 26.99% Variable |
|
Upgrade Visa® Card with Cash Rewards
- Earn 1.5% unlimited cash back on card purchases every time you make a payment
- Combine the flexibility of a card with the low cost and predictability of a loan
- $0 fees - $0 annual fee, $0 activation fees, $0 maintenance fees
- No touch payments with contactless technology built in
- See if you qualify in minutes without hurting your credit score
- Access to a virtual card while you wait for your card to arrive in the mail
- 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
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: Cash Back
| Annual Fee |
BT Intro APR |
Purchase Intro APR |
Regular APR |
| $0 |
N/A* |
N/A* |
8.99%-29.99% |
|
Jasper Cash Back Mastercard®
- Up to 6% cash back by referring friends!
- Start with 1% and get an extra 0.5% for a full year for every friend you bring on board.
- Cash back not limited to certain categories, earn on almost all everyday purchases.
- Receive cash back automatically every month as a statement credit after three on time payments.
- Earn cash back as long as your account is in good standing.
- Your cash back maximum varies based on your credit limit.
- See Jasper's terms and fees.
- Issued by WebBank, Member FDIC
- See Rates & Fees
Credit Needed: Excellent, FairCreditWeb 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 |
N/A* |
N/A* |
15.49%-24.99% (Variable) |
|
Directly with Genesis FS Card Services
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Milestone Gold Mastercard®
- Instant pre-qualification is available for those who qualify
- Less than perfect credit is okay
- Access your account online or from your mobile device 24/7
- Choice of card image at no extra charge
- Account history is reported to the three major credit bureaus in the U.S.
Annual Fee is *Dependent on credit worthiness
Credit Needed: Good, FairCreditWeb considers people with a credit score between 690 and 740 to have good credit. A credit score between 601 and 699 is considered fair credit. 2
Reviews: Be the first to write one
Rewards: None
| Annual Fee |
BT Intro APR |
Purchase Intro APR |
Regular APR |
| $35 - $99* |
N/A* |
N/A |
24.9% |
|
Grand Reserve™ World Mastercard®
- Earn 50,000 Grand Reserve Rewards points after you spend $3,000 in 90 days from account opening
- Receive a welcome gift of a pair of wine glasses (a $110 value) on card activation
- Earn up to 7x points per dollar on wine purchases, with our Top Wine Merchant Bonus
- Earn 5x points per dollar at more than 450 wineries, wine clubs, and other Grand Reserve Partners
- Earn 3x points per dollar at any other winery, wine store, liquor store, restaurant, or bar
- Earn 2x points per dollar everywhere else
- Redeem your points for wine, sommelier-approved wine accessories, and unique vineyard experiences
- Receive special offers and concierge services for wine country visits with your included complimentary Priority Wine Pass
- Includes a sleek, premium metal card and access to exclusive cardholder events
- 1% of our revenue is donated to tackling climate change with 1% For the Planet
- $0 annual fee for the first year, then $149
- No foreign exchange fee
- Purchase APR: Variable interest rate ranging from 14.99 - 22.99% (based on current prime rate of 3.25%), depending on applicant's credit
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: Other
| Annual Fee |
BT Intro APR |
Purchase Intro APR |
Regular APR |
| $0 annual fee for the first year, then $149 |
N/A |
N/A |
14.99 - 22.99% Variable |
|
Upgrade Triple Cash Rewards Visa®
- Unlimited cash back on payments - 3% on Home, Auto and Health categories and 1% on everything else
- $0 fees - $0 annual fee, $0 activation fees, $0 maintenance fees
- Combine the flexibility of a card with the low cost and predictability of a loan
- No touch payments with contactless technology built in
- See if you qualify in minutes without hurting your credit score
- Access to a virtual card while you wait for your card to arrive in the mail
- 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
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* |
N/A* |
N/A* |
8.99% -29.99% |
|
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.
