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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HSBC Cash Rewards Mastercard® credit card
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HSBC Cash Rewards Mastercard® credit card

  • Earn unlimited 1.5% cash rewards on all purchases.
  • Earn a $150 cash rewards intro bonus after spending $2,500 in the first 3 months.
  • 10% Anniversary Bonus on all Cash Rewards earned once a year.
  • No Annual Fee.
  • 0% Intro APR for 15 months on balance transfers, then a 15.24%, 19.24% or 25.24% variable APR.
  • No Foreign Transaction Fees.
  • $0 liability for unauthorized purchases.
  • 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: 2
Rewards: Cash Back
Annual Fee BT Intro APR Purchase Intro APR Regular APR
N/A 0% Introductory APR on balance transfers for the first 15 months from account opening N/A Variable APR of 15.24%, 19.24% or 25.24% will be applied
Barclaycard Ring® Mastercard®
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Barclaycard Ring® Mastercard®

  • Enjoy a 0% intro APR for 15 months on balance transfers made within 45 days of account opening. After that, a variable 14.24% APR will apply
  • Low 14.24% variable APR on purchases and cash advances
  • No annual fee
  • No foreign transaction fees
  • International Chip and PIN
  • 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: None
Annual Fee BT Intro APR Purchase Intro APR Regular APR
$0 0% intro APR for 15 months on balance transfers made within 45 days of account opening. After that, a variable 14.24% APR will apply. Within 45 days of account opening for Within 45 days of account opening null N/A 14.24% Variable
American Express Cash Magnet® Card
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American Express Cash Magnet® Card

  • Earn a $150 statement credit after you spend $1,000 or more in purchases with your new Card within the first 3 months of Card Membership.
  • Unlimited 1.5% Cash Back on your purchases.
  • Cash Back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 15.24% to 26.24%.
  • $0 plan fees for plans set up during your first 15 months of Card Membership with Plan It®, a feature that lets you split up big purchases into monthly payments with a fixed fee.
  • You spoke, we listened. Over 1.6 million more places in the U.S. started accepting American Express® Cards in 2018.
  • No Annual Fee.
  • Terms Apply.
  • See Rates & Fees


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% on balance transfers for 15 MONTHS 0% on purchases for 15 months 15.24%-26.24% Variable
Blue Cash Everyday® Card from American Express
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Blue Cash Everyday® Card from American Express

  • Earn a $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • 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 15.24% to 26.24%.
  • You spoke, we listened. Over 1.6 million more places in the U.S. started accepting American Express® Cards in 2018.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • No annual fee.
  • 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: 14
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 15.24%-26.24% Variable
Hilton Honors American Express Card
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Hilton Honors American Express Card

  • Earn 75,000 Hilton Honors Bonus Points with the Hilton Honors American Express Card after you use your new Card to make $1,000 in eligible purchases within the first 3 months of Card Membership.
  • Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with a hotel or resort within the Hilton Honors portfolio of brands.
  • Earn 5X Hilton Honors Bonus Points for each dollar of eligible purchases 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.
  • No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
  • Enjoy complimentary Hilton Honors Silver status with your Card. Plus, spend $20,000 on eligible purchases on your Card in a calendar year and you can earn an upgrade to Hilton Honors Gold status through the end of the next calendar year.
  • No Annual Fee.
  • 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: Hotels
Annual Fee BT Intro APR Purchase Intro APR Regular APR
$0* N/A N/A 17.99%-26.99% Variable
American Express® Gold Card
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American Express® Gold Card

  • Earn 35,000 Membership Rewards® Points after you spend $2,000 on eligible purchases with your new Card within the first 3 months.
  • Earn 4X Membership Rewards® points at U.S. restaurants. Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per year in purchases, then 1X).
  • Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
  • Earn up to $10 in statement credits monthly when you pay with The Gold Card at Grubhub, Seamless, The Cheesecake Factory, Shake Shack, and Ruth’s Chris Steak House. This is an annual savings of up to $120. Enrollment required.
  • $100 Airline Fee Credit: up to $100 in statement credits per calendar year for incidental fees at one selected qualifying airline.
  • Choose to carry a balance with interest on eligible charges of $100 or more.
  • No Foreign Transaction Fees.
  • Annual Fee is $250.
  • 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: Airlines
Annual Fee BT Intro APR Purchase Intro APR Regular APR
$250 N/A N/A See Rates & Fees
HSBC Gold Mastercard® credit card
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HSBC Gold Mastercard® credit card

  • 0% Intro APR on purchases and balance transfers for the first 18 months from account opening. Then a variable APR of 13.24%, 17.24% or 21.24% will apply.
  • No Penalty APR.
  • Late Fee Waiver.
  • No Foreign Transaction Fees.
  • $0 Annual Fee.
  • $0 liability for unauthorized purchases.
  • 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: None
Annual Fee BT Intro APR Purchase Intro APR Regular APR
N/A 0% Introductory APR on balance transfers for the first 18 months from account opening 0% Introductory APR on credit card purchases for the first 18 months from account opening Variable APR of 13.24%, 17.24% or 21.24% will apply after the Introductory Period
Gold Delta SkyMiles® Credit Card from American Express
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Gold Delta SkyMiles® Credit Card from American Express

  • Limited Time Offer: Earn 60,000 Bonus Miles after spending $2,000 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 for every dollar spent on eligible purchases made directly with Delta. Earn 1 mile for every eligible dollar spent on purchases.
  • Check your first bag free on Delta flights - that's a savings of up to $240 per round trip for a family of four.
  • Settle into your seat sooner with Main Cabin 1 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 17.99%-26.99% Variable
Blue Delta SkyMiles® Credit Card from American Express
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Blue Delta SkyMiles® Credit Card from American Express

  • Earn 10,000 bonus miles after spending $500 in purchases on your new Card in your first 3 months of Card Membership.
  • No Annual Fee.
  • Earn 2 miles per dollar at US restaurants.
  • Earn 2 Miles per dollar spent on purchases made directly with Delta. Earn 1 mile on every eligible dollar spent on other purchases.
  • Receive a 20% savings in the form of a statement credit after you use your Card on eligible Delta in-flight purchases of food, beverages, and audio headsets.
  • Terms Apply.
  • See Rates & Fees


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: Airlines
Annual Fee BT Intro APR Purchase Intro APR Regular APR
$0 N/A N/A 17.99%-26.99% Variable
Credit One Bank® Cash Back Rewards Credit Card
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Credit One Bank® Cash Back Rewards Credit Card

  • 1% cash back rewards on all purchases, no annual fee, and a competitive APR are just a few of the benefits qualified applicants will enjoy. Terms apply.
  • With $0 Fraud Liability, you won’t be responsible for unauthorized charges
  • Managing your account is easy with the Credit One Bank mobile app
  • Pick a card that fits your style. Multiple card designs are available, a fee may apply
  • Monitor your credit with free online access to your Experian credit score, terms apply
  • Never miss an account update with customizable text and email alerts
  • Do your part to help the environment with the option to go paperless


Credit Needed:
GoodCreditWeb considers people with a credit score between 690 and 740 to have good credit. 2

Reviews: Be the first to write one
Rewards: Cash Back (Special)
Annual Fee BT Intro APR Purchase Intro APR Regular APR
$0 - $99 N/A N/A 20.24%-26.24% Variable
Barclaycard Arrival Plus® World Elite Mastercard®
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Barclaycard Arrival Plus® World Elite Mastercard®

  • Enjoy 70,000 bonus miles after spending $5,000 on purchases in the first 90 days
  • Earn unlimited 2X miles on every purchase
  • NEW - Control Your Card - Instantly secure your accounts by locking your cards with Barclays SecurHold™, plus set transaction limits and block certain purchase categories for you or your authorized users. Available only on the Barclays mobile app.
  • Book travel your way—no airline, seat or hotel restrictions—and redeem your miles for travel statement credits
  • Get 5% miles back to use toward your next redemption, every time you redeem
  • No foreign transaction fees
  • International Chip and PIN for use at self-service chip terminals around the world
  • Miles don’t expire as long as your account is open, active and in good standing
  • See Rates & Fees


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: Airlines
Annual Fee BT Intro APR Purchase Intro APR Regular APR
$89 (waived first year) 0% first 12 billing cycles following each balance transfer that posts to your account within 45 days of account opening N/A 18.24%, 22.24% or 25.24% variable based on your creditworthiness
The Platinum Card® from American Express
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The Platinum Card® from American Express

  • Earn 60,000 Membership Rewards® points after you use your new Card to make $5,000 in purchases in your first 3 months.
  • Enjoy Uber VIP status and free rides in the U.S. up to $15 each month, plus a bonus $20 in December. That can be up to $200 in annual Uber savings.
  • 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel.
  • 5X Membership Rewards points on prepaid hotels booked on amextravel.com.
  • 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.
  • $200 Airline Fee Credit, up to $200 per calendar year in baggage fees and more at one qualifying airline.
  • Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue on your Platinum Card®. Enrollment required.
  • $550 annual fee.
  • 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
Hilton Honors American Express Ascend Card
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Hilton Honors American Express Ascend Card

  • Earn 125,000 Hilton Honors Bonus Points with the Hilton Honors American Express Ascend Card after you use your new Card to make $2,000 in eligible purchases within the first 3 months of Card Membership.
  • Earn a Weekend Night Reward from Hilton Honors after you spend $15,000 on purchases on your Card in a calendar year.
  • Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a 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.
  • 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.
  • $95 annual fee.
  • Terms Apply.
  • See Rates & Fees


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: Hotels
Annual Fee BT Intro APR Purchase Intro APR Regular APR
$95 N/A N/A 17.99%-26.99% Variable
Blue Cash Preferred® Card from American Express
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Blue Cash Preferred® Card from American Express

  • Earn a $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. 1% Cash Back on other purchases.
  • You spoke, we listened. Over 1.6 million more places in the U.S. started accepting American Express® Cards in 2018.
  • Cash Back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • $95 annual fee.
  • 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 15.24%-26.24% Variable
Petal Visa Credit Card
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Petal Visa Credit Card

  • No fees whatsoever. No late fee, international fee, annual fee, or any-other-kind-of-fee, fee.
  • $500 - $10,000 credit limits
  • No credit history necessary for approval
  • Build credit by using responsibly. Petal reports to all 3 major credit bureaus
  • Petal's mobile app makes it effortless to manage your money, track your spending, and build credit without thinking much about it
  • See if you're pre-approved within minutes without impacting your credit score
  • No deposits required
  • Card issued by WebBank, member FDIC


Credit Needed:
Limited, Fair 2

Reviews: Be the first to write one
Rewards: None
Annual Fee BT Intro APR Purchase Intro APR Regular APR
$0 N/A N/A 15.24 - 26.24% 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.
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