The easiest credit cards to get with good credit are credit cards for fair, limited or bad credit. The Capital One Platinum Credit Card, the Petal Visa Credit Card, and the Target Credit Card should all be very easy to get with good credit, for example.

On the other hand, people with good credit can also have an easy time getting certain credit cards that require good credit or better. Capital One Quicksilver is on the easy end of credit cards with good credit, because Capital One credit cards are rumored to be easier to get than other credit cards - even when the cards have the same approval requirements on paper. This card requires good credit or better for approval, and it offers great rewards for spending.

People with good credit have a lot of credit card options to choose from. Every major credit card company offers credit cards for people with good credit. And many of them are great cards for rewards and travel. While no credit card company is really known as the “easiest” to get a credit card from, reports online suggest it’s more difficult to get approved for a Chase credit card than cards from some other major issuers.

A few credit cards for good credit with instant approval are the Blue Cash Everyday card from American Express, the Capital One SavorOne Cash Rewards credit card, and the Chase Freedom Unlimited credit card. They’re some of the most rewarding credit cards for good credit and have the potential to instantly approve an online application. That said, all credit cards offer instant approval to the right applicants, as long as you apply online.

To be the “right applicant” and get instant approval for a credit card, you’ll want to make sure you’re well within the approval criteria for the card you’re applying for. For the best results, have a clean credit report with no late payments, a “good” credit score and enough annual income to satisfy the credit card company that you’ll be able to pay your bill.

To further improve your instant approval odds, try applying for a credit card for fair credit rather than one that requires good credit at a minimum. As a person with good credit, you’ll be much more qualified. Store credit cards are a good example. They all require at least fair credit, have great rewards and are known for offering instant approval online or in person.

If it takes longer to get a decision on your credit application, it could be because they need to deliberate further on your information. It could also be because the credit card company is having trouble verifying your identity. In the case of the latter, they’ll likely ask you a few more questions and it could take a few days to get a decision.

A good credit score is a credit score of 700 to 749, based on the standard 300-to-850 scale. More than 14% of people have a good credit score, by that definition. A score of 750 or above is considered excellent credit, while scores from 640 to 699 are fair. If you’re curious about whether or not you have good credit, you can check your latest credit score for free on WalletHub.

See If You Have a Good Credit Score – 100% Free

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The best credit card for a 700 credit score could be the Capital One Venture Rewards Credit Card if you’re eager to earn travel rewards, Blue Cash Preferred® Card from American Express if you’d prefer cash back or Wells Fargo Platinum card if you want 0% APRs. It all depends on your individual needs, as no card does everything best. But you do want to focus on cards that require “good” credit or below, since 700 is a good credit score. Of course, there are other things that affect the application process too, like income and the number of recent inquiries on your report.

A good way to figure out whether you’re eligible for a particular credit card with your 700 credit score is to check for pre-approval on the issuer’s website. If you’re pre-approved for a card, you’re not guaranteed approval, but your odds are high – usually around 90%. You can do a pre-approval check for most of the best credit cards for a 700 credit score.

Here are the best credit cards for 700 credit scores

As you may have noticed, a lot of the best credit cards for 700 credit scores don’t have annual fees. So, you can pick up some great perks without having to shell out money for the privilege of having a card.

It's really hard to pinpoint what credit limit you'll be granted with a credit score of 700. But since it's good credit, you maybe able to get as high as a $5,000 limit.
A credit score of 750+, which is excellent credit, should put you in the $10,000 limit zone. But that’s not a given. And your credit standing isn’t the only factor that affects your ability to get a high credit limit.

Building credit from scratch doesn’t have to be difficult. The best way to build credit is to open a credit card, preferably one with no annual fee, and use it responsibly. That means paying your bill on time every month or simply locking it in a drawer. Just having an open line of credit that is in good standing will help you build credit.

But a clean financial slate is a double-edged sword. You could shed months, or even years, off your credit-building timeline and save thousands of dollars if you make the right moves. Or you could quickly find yourself with bad credit if you act irresponsibly. Taking the following steps will help you keep your credit standing headed in the right direction.

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In order to maintain a good credit score, it is essential to make payments on time and maintain a credit utilization below 30% (i.e. how much of your available credit you use on a monthly basis). On a credit card with a $1,000 limit, for example, it would be best to use $10 to $100 each month, and no more than $300.

In addition to these, eliminating errors on your credit report can help improve your credit health and maintain a good credit score.

Last but not least, our personalized Credit Analysis will pinpoint what's wrong with your score, how to fix the problem and how long that will take.

The tables turn when you reach good credit. Instead of you having to prove yourself to credit card companies, they must now compete for your business. For one thing, more issuers have credit cards for people with good credit than offers for folks with fair, limited or bad credit. And they’re all looking to woo trustworthy new customers who pose relatively little risk and thus have a lot of profit potential.

That’s why people with good credit can expect to earn roughly twice as much rewards value as someone with fair credit or enjoy 0% financing for about twice as long. Credit cards for people with good credit also tend to have lower regular APRs (21% on average) than those for folks with fair credit (23%).

After all, you’ll have access to many of the market’s best overall credit cards, which usually require good or excellent credit for approval.

In order to pick the best second credit card, you must first check your credit score and narrow down your choices to cards you have a shot at qualifying for. Then, you must determine what your primary need is with your second credit card, such as 0% financing or rewards, and choose the best card that meets your needs.

Best Second Credit Card Options

How to Pick the Best Second Credit Card

1. Check your credit score.
   You can check your credit score for free on WalletHub any time.
2. Narrow down your options.
   Only consider cards that are accessible with your current credit score.
3. Figure out how you want to use the card.
   You might want to finance purchases with a 0% APR, earn rewards, or just continue to build credit with a $0 annual fee, for example. For most people, the best option is going to be a good rewards card with no annual fee. Ideally, you should be paying your bills in full each month and trying to minimize the cost of your second credit card in order to maximize savings.
4. Get pre-approved.
   If possible, get pre-approval for a few cards you’re interested in that meet your financial needs. Pre-approval shows you which cards you’re likely (but not guaranteed) to get approved for.
5. Compare terms.
   Of the cards you’ve selected and been pre-approved for, pick the one that offers the best value based on its fees, rewards, benefits and APRs.

Once you have your second credit card, there’s no need to get rid of your first credit card, as you’ll keep building credit with it even if you don’t use it. Plus, canceling a credit card can hurt your credit score by lowering the average age of your accounts and raising your overall credit utilization. You also might want to continue using your first credit card for certain purchases, depending on what rewards and benefits it offers.

On the other hand, if your first credit card has an expensive annual fee and you don’t use it enough to justify paying that fee, it is worth closing in that case.

You only need one credit card for good credit because simply having an open credit card account is the most efficient way to build and maintain a good (or even excellent) credit score. But the actual number of credit cards you have doesn’t make up a huge part of your credit score – roughly 5%-10%. The more important factors are your payment history, the total amount of your debts, and the total of your credit limits.

As a result, having fewer credit cards that you use responsibly is better than having more cards yet worse performance. But if you have multiple credit cards and use them all responsibly, by paying your bills in full by the due date every month and not maxing out your credit limits, then having multiple credit cards will absolutely help promote good credit.

Here’s how that works: Multiple credit cards means more total credit. More total credit gives you a bit more leeway with your credit utilization (the amount of credit you’re using vs. the amount extended to you). Utilization – overall and of each credit account separately – makes up about 20% of your credit score, so it’s best to keep that number low. And simply paying your bill on-time makes up about 35%-40% of a good credit score. The more on-time payments you have on your credit report, the better it is for your credit score.

If you’re planning on getting multiple credit cards to boost your credit score, it’s worth considering that the age of your credit accounts makes up roughly 15% of your score. Credit age matters because a longer credit history means you have more experience with credit in general, and lenders have more information to assess when determining your creditworthiness. If you add a few new cards to your history, your score may take a hit because your average credit age will get younger.