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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Advertiser Disclosure 1

Featured
Target REDcard® Store Card
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Directly with Target National Bank

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Target REDcard® Store Card

In-store. Online. Every time. Save 5% every day & get exclusive extras with REDcard. Some restrictions apply. See terms for REDcard benefits & program rules.
 Debit card
  • Links to your existing checking account.
  • Cash withdrawal at checkout up to $40.
  • View transactions & manage your PIN at Target.com/myREDcard.
Credit card
  • Charge your Target purchases in-store & at Target.com.
  • Receive a monthly bill.
  • Check balance, make payments & review statements at Target.com/myREDcard.


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: 74
Rewards: Store
Annual Fee BT Intro APR Purchase Intro APR Regular APR
$0* N/A* N/A* 22.90% (Variable)*
Featured
Upgrade Card
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Directly with Sutton Bank

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Upgrade Card

  • Choose the Upgrade Card with a personal credit line instead of a credit card and enjoy predictable payments on lines from $500-$50,000.
  • No Fees – No annual fees and no fees to use your card.
  • Quick and easy application – find out if you qualify in minutes.
  • Checking your line won’t hurt your credit score.
  • Free access to credit monitoring, alerts and features to help you understand your credit.
  • Use wherever Visa is accepted. (cannot be used at an ATM)


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: None
Annual Fee BT Intro APR Purchase Intro APR Regular APR
$0 N/A* N/A* 6.99%-29.99%
Avianca Vida Visa® Card
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Directly with Banco Popular

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Avianca Vida Visa® Card

  • 20,000 Bonus LifeMiles after first card use
  • Earn 2 LifeMiles per $1 spent on Avianca purchases
  • Earn 1 LifeMile per $1 spent on all other purchases
  • 15% discount on purchases of miles with Multiply Your Miles
  • No cap on the number of LifeMiles you can earn
  • 0% Introductory offer for 12 months on Balance Transfers
  • You must be an Avianca LifeMiles member to apply
  • If you are not already a LifeMiles member, create your account here: www.lifemiles.com
  • Chip-enabled card provides added security
  • Auto Rental Collision Damage Waiver
  • Travel Accident Insurance
  • Protection against unauthorized charges
  • Emergency Card Replacement
  • Online Account Management
  • Electronic Statements
  • Auto-pay option


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
59 0% introductory APR for the first 12 months. Applies to transfers made within the first 90 days from account opening. After that, your APR will be from 13.24% to 26.24%, based on your creditworthiness N/A* 13.24% to 26.24%, based on your creditworthiness
Milestone Gold Mastercard®
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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.


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%
Avianca Vuela Visa® Card
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Directly with Banco Popular

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Avianca Vuela Visa® Card

  • 40,000 Bonus LifeMiles after first card use
  • Earn 3 LifeMiles per $1 spent on Avianca purchases
  • Earn 2 LifeMiles per $1 spent at gas stations and grocery stores
  • Earn 1 LifeMile per $1 spent on all other purchases
  • No foreign transaction fees
  • 15% discount on purchases of miles with Multiply Your Miles
  • Free additional piece of baggage for travel between the United States and Central America
  • A 50% discount on an award ticket redeemed for travel to Central America or Colombia from the United States after $12,000 spent each year
  • An additional 50% discount on an award ticket redeemed for travel to Central America or Colombia from the United States after $24,000 spent each year
  • 0% Introductory offer for 12 months on Balance Transfers
  • You must be an Avianca LifeMiles member to apply
  • If you are not already a LifeMiles member, create your account here: www.lifemiles.com
  • Chip-enabled card provides added security
  • Auto Rental Collision Damage Waiver
  • Travel Accident Insurance
  • Protection against unauthorized charges
  • Emergency Card Replacement
  • Online Account Management
  • Electronic Statements
  • Auto-pay option


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
149 0% introductory APR for the first 12 months. Applies to transfers made within the first 90 days from account opening. After that, your APR will be from 13.24% to 26.24%, based on your creditworthiness. N/A* 13.24% to 26.24%, based on your creditworthiness
Charity Charge World Mastercard® Credit Card
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Directly with Commerce Bank

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Charity Charge World Mastercard® Credit Card

  • Donate your cash back to any nonprofit or religious organization of your choice.
  • Earn an unlimited 1% cash back that's automatically donated on your behalf through your everyday purchases.
  • No Annual Fee.
  • An easy way to make a difference (at no cost to you).
  • 100% Tax-Deductible.
  • Low APR between Prime + 6.99%-16.99% dependent on creditworthiness. Balance transfer fee of either $10 or 5% of the amount of each Balance Transfer, whichever is greater.
  • Receive all the benefits of a World MasterCard such as: extended warranty, MasterCard global service, concierge services, ID theft protection, price guarantee, and many more exclusive services.
  • Chip and Apple Pay enabled.


Credit Needed:
Good, ExcellentCreditWeb considers people with a credit score between 690 and 740 to have good credit. A credit score higher than 740 is considered excellent credit. 2

Reviews: Be the first to write one
Rewards: Charity
Annual Fee BT Intro APR Purchase Intro APR Regular APR
$0 1.99% for 6 monthly billing cycles 1.99% for 6 monthly billing cycles 16.24%-22.24% (Variable)
ABOC Platinum Rewards Mastercard® Credit Card
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Directly with Amalgamated Bank of Chicago

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ABOC Platinum Rewards Mastercard® Credit Card

  • 0% Intro APR on Purchases for 12 months; after that the variable APR will be 12.90% – 22.90% (V), based on your creditworthiness
  • Earn $150 Statement Credit after you spend $1,200 on purchases within the first 90 days from account opening
  • Earn 5x rewards on up to $1,500 in combined purchases each quarter in popular categories such as dining, groceries, travel, and automotive
  • No upper limit on the points you can accumulate, and since points never expire, you can save up for a big award!
  • Earn Points on Every Purchase! It’s simple: $1 = 1 Point
  • No Annual Fee or Foreign Transaction Fee
  • Select Your Rewards Your Way
  • No Foreign Transaction 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: Flexible Options
Annual Fee BT Intro APR Purchase Intro APR Regular APR
$0* N/A 0% for 12 months* 12.90% - 22.90% (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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