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Best Credit Cards for Good Credit
WalletHub makes it easy to find the best credit card for good credit.
Credit cards for good credit are best for people with credit scores of 700 to 850. Many credit cards for people with good credit offer elite rewards, such as a $500+ initial bonus or 1.5%+ back on purchases. Other credit card offers for good credit have 0% APRs for 12+ months. And most have $0 annual fees. So it should come as no surprise that… show more
Best Credit Cards for Good Credit for 2022
Whether you plan to pay your bill in full or carry a balance from month to month, there are plenty of credit cards for good credit capable of saving you money. Keep reading to learn more.
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Capital One Quicksilver Cash Rewards Credit Card Capital One Quicksilver Cash Rewards Credit Card

- $200 initial bonus
- 1.5% cash back on all purchases
- No annual fee
- 0% intro APR on purchases and balance transfers
- Potential for a very high interest rate
- Balance transfer fee
- Requires good/excellent credit
- One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase, every day
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
- No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
- $0 annual fee and no foreign transaction fees
- 0% intro APR on purchases and balance transfers for 15 months; 15.24%-25.24% variable APR after that
Capital One VentureOne Rewards Credit Card Capital One VentureOne Rewards Credit Card

- 20,000 miles initial bonus
- Unlimited 1.25 miles per $1 on every purchase
- Miles are redeemable for any travel-related expense on your bill
- 0% intro APRs
- No annual fee
- 3% balance transfer fee
- Potential for a very high regular APR
- Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
- Earn unlimited 1.25X miles on every purchase, every day
- Miles won't expire for the life of the account and there's no limit to how many you can earn
- Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
- Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
- Transfer your miles to your choice of 15+ travel loyalty programs
- $0 annual fee and no foreign transaction fees
- Enjoy 0% intro APR on purchases and balance transfers for 15 months; 15.24% - 25.24% variable APR after that
Wells Fargo Reflect℠ Card Wells Fargo Reflect℠ Card
- No membership fees
- 0% intro APR on purchases
- 0% intro APR on qualifying balance transfers
- Reports to the three major credit bureaus
- No rewards
- No rewards bonus
- Balance transfer fee
- Foreign fee
- 0% intro APR for 18 months from account opening on purchases and qualifying balance transfers. Intro APR extension of up to 3 months with on-time minimum payments during the intro and extension periods. 14.49% to 26.49% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min $5
- $0 Annual Fee
- Get up to $600 of cell phone protection when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible).
- Through My Wells Fargo Deals, you can earn cash back in the form of a statement credit while you shop, dine, or enjoy an experience simply by using your eligible Wells Fargo Credit Card
- Select "Apply Now" to learn more about the product features, terms and conditions
U.S. Bank Visa® Platinum Card U.S. Bank Visa® Platinum Card
- No membership fees
- 0% intro APR on purchases
- 0% intro APR on balance transfers
- Reports to the three major credit bureaus
- No rewards
- No rewards bonus
- Balance transfer fee
- Foreign fee
- Limited Time Offer!
- 0% Intro APR on purchases and balance transfers for 20 billing cycles. After that, a variable APR currently 15.99%-25.99%.
- Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your U.S.Bank Visa® Platinum Credit Card. Certain terms, conditions, and exclusions apply.
- Choose a payment due date that fits your schedule
- No Annual Fee
- Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.
- Terms and conditions apply.
Discover it® Cash Back Discover it® Cash Back
- Rewards earned in the first year get doubled
- Up to 5% cash back
- No annual fee
- 0% intro rates for 15 months
- Potential for a very high regular APR
- Bonus reward categories rotate, require quarterly signup and limit earnings
- Balance transfer fee
- INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
- Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
- Redeem cash back in any amount, any time. Rewards never expire.
- INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
- Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
- NEW! Discover helps remove your personal information from select people-search websites. Activate by mobile app for free.
- Redeem cash back in any amount, any time. Rewards never expire.
- NEW Intro APR: Get a 0% intro APR for 15 months on purchases. Then 12.74% to 23.74% Standard Variable Purchase APR applies, based on credit worthiness.
- No annual fee.
- Click "Apply Now" to see terms and conditions.
Capital One SavorOne Cash Rewards Credit Card Capital One SavorOne Cash Rewards Credit Card

- $200 initial bonus
- High rewards rate
- $0 annual fee
- 0% intro APR on purchases and balance transfers
- High regular APR
- Balance transfer fee
- Requires good/excellent credit
- Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
- Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
- Earn 8% cash back on Capital One Entertainment purchases and tickets at Vivid Seats
- No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
- 0% intro APR on purchases and balance transfers for 15 months; 15.24% - 25.24% variable APR after that
- No foreign transaction fee
- No annual fee
Wells Fargo Active Cash® Card Wells Fargo Active Cash® Card
- $200 cash rewards bonus
- $0 annual fee
- 2% cash rewards on purchases
- 0% introductory APR
- High regular APR
- Foreign transaction fee
- Balance transfer fee
- Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months
- Earn unlimited 2% cash rewards on purchases
- No categories to track or remember and cash rewards don't expire as long as your account remains open
- 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 16.49%, 21.49%, or 26.49% variable APR; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5
- $0 annual fee
- Enjoy a premium collection of benefits at a selection of the world's most intriguing and prestigious hotel properties with Visa Signature Concierge
- Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Active Cash® Card
- Select "Apply Now" to learn more about the product features, terms and conditions
U.S. Bank Cash+® Visa Signature® Card U.S. Bank Cash+® Visa Signature® Card
- No membership fees
- 0% intro APR on purchases
- 0% intro APR on balance transfers
- High rewards rate
- Spending caps on rewards
- Balance transfer fee
- Foreign fee
- Requires good/excellent credit
- New! $200 bonus after spending $1,000 in eligible purchases within the first 120 days of account opening.
- 5% cash back on your first $2,000 in combined eligible purchases each quarter on two categories you choose
- 5% cash back on prepaid air, hotel and car reservations booked directly in the Rewards Travel Center
- 2% cash back on one everyday category, like Gas Stations/EV Charging Stations, Grocery Stores or Restaurants
- 1% cash back on all other eligible purchases
- Terms and conditions apply.
- 0% Intro APR on purchases and balance transfers for the first 15 billing cycles. After that, a variable APR currently 15.99% - 25.99%
- No Annual Fee
- Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.
Blue Cash Everyday® Card from American Express Blue Cash Everyday® Card from American Express

- $0 annual fee
- $200 statement credit initial bonus offer
- High rewards rate
- Spending caps on rewards
- No balance transfers allowed
- Foreign fee
- Requires good/excellent credit
- Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 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.
- 1% Cash Back on other purchases.
- Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits.
- Terms Apply.
- Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 plan fees on plans created during the first 15 months after account opening. Plans created after that will have a monthly plan fee up to 1.33% of each purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
- Low intro APR: 0% for 15 months on purchases from the date of account opening, then a variable rate, 15.49% to 25.49%.
- No annual fee.
American Express® Gold Card American Express® Gold Card

- 60K points (worth roughly $460) for spending $4K in the first 6 months
- 4 points per $1 spent at restaurants
- 4 points per $1 spent at U.S. supermarkets (up to $25K spent per year, then 1 point)
- 3 points per $1 spent on eligible flights
- No foreign transaction fee
- $250 annual fee
- Points worth less than 1 cent, on average
- Limited ability to carry a balance from month to month
- Earn 60,000 Membership Rewards® Points after you spend $4,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
- Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® Points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
- Earn 3X Membership Rewards® Points on flights booked directly with airlines or on amextravel.com.
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
- Updated $120 Dining Credit: Satisfy your cravings and earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. Enrollment required.
- Terms Apply.
- Choose the color that suits your style. Gold or Rose Gold.
- No Foreign Transaction Fees.
- Annual Fee is $250.
- This American Express Card has no preset spending limit, giving you purchasing power that adjusts with your use of the card. No preset spending limit does not mean unlimited spending. Your purchases are approved based on a variety of factors including spending patterns, your payment history, your credit history, and financial resources known to us.
6 Best Credit Cards for Good Credit in 2022

Chase Freedom Unlimited®
The best credit card for good credit is Chase Freedom Unlimited® because it has a $0 annual fee and great rewards. The Freedom Unlimited card gives 1.5 - 5% cash back on purchases, and new cardholders also get an extra 1.5% cash back on everything they buy, up to $20,000 spent in the first year.
Capital One Savor Cash Rewards Credit Card
The best credit card for people with good credit who want bonus rewards on dining and entertainment is the Capital One Savor Cash Rewards Credit Card. The Savor Card gives unlimited 4% cash back in those two purchase categories. Cardholders also earn unlimited 4% back on popular streaming services, 3% cash back at grocery stores and 1% back everywhere else. Spending $3,000 within 3 months of opening an account triggers a $300 initial rewards bonus, too. The Savor Card has a $95 annual fee. If you want a no annual fee credit card with dining and entertainment rewards, check out the Capital One SavorOne Cash Rewards Credit Card.
Blue Cash Preferred® Card from American Express
If you want a great all-around credit card for good credit, consider the Blue Cash Preferred® Card from American Express. It has a really attractive combination of rewards, along with a reasonable fee and even a low introductory APR. Blue Cash Preferred comes with a welcome offer of $350 statement credit for spending $3,000 in the first 6 months. That’s enough to cover the card’s $95 annual fee for a few years. All cardholders also earn 6% cash back on select U.S. streaming subscriptions and 6% cash back on up to $6,000 spent per year at U.S. supermarkets. Plus, there’s a nice collection of 3% cash back categories, including U.S. gas stations and all types of transit expenses, from ridesharing to tolls. All other purchases yield 1% cash back. Cash back is paid out in the form of statement credits.
The Amex Blue Cash Preferred Card has some financing appeal for a limited time, too. It offers intro interest rates of 0% for 12 months on new purchases, followed by a regular APR of 15.49% - 25.49% (V).
Wells Fargo Reflect℠ Card
The best credit card for good credit with a long intro APR is the Wells Fargo Reflect℠ Card. Wells Fargo Reflect offers 0% for up to 21 months from account opening on new purchases and balance transfers. The standard offer of a 0% introductory APR for 18 months from account opening can be extended by up to 3 months for paying on time. It also has a $0 annual fee. The card's regular APR is 14.49% - 26.49% Variable and its balance transfer fee is 3% intro for 120 days, then up to 5% (min $5).
Capital One Venture Rewards Credit Card
The best credit card for good credit is the Capital One Venture Rewards Credit Card. It has a bonus of 75,000 miles (worth $750 in travel) for spending $4,000 in the first 3 months of account opening. The Venture Card also gives 2 - 5 miles per $1 spent on purchases. Plus, you can use your miles to book travel accommodations or pay for any travel-related expenses from the past 90 days. With all those rewards, you should have no problem affording the Venture card’s $95 annual fee. Venture’s impressive rewards value and lack of foreign transaction fees also make it one of the best travel credit cards for good credit or excellent credit.
Wells Fargo Active Cash® Card
The best credit card for people with good credit who want a consistent rewards rate across all purchases is the Wells Fargo Active Cash® Card. It gives 2% cash rewards on purchases, plus an initial bonus of $200 cash rewards after spending $1,000 in the first 3 months. Wells Fargo Active Cash also has a $0 annual fee.
Closing Thoughts
At the end of the day, finding the best credit card for good credit is both easy and hard at the same time. On the one hand, the best credit cards for people with good credit are pretty much the best credit cards overall. So you almost have your pick of any card that catches your eye. But all the options can make it tough to choose, considering how many good deals are available. That’s why WalletHub’s editors compared 1,000+ offers and picked the best credit cards for good credit in different categories.
Side-by-Side Comparison of the Best Credit Cards for Good Credit
Credit Card | Best For | Rating |
Chase Freedom Unlimited® | Winner | 5/5 |
Capital One Savor Cash Rewards Credit Card | Dining & Entertainment | 5/5 |
Capital One Venture Rewards Credit Card | Travel Rewards | 5/5 |
Blue Cash Preferred® Card from American Express | Bonus Cash Back | 4.7/5 |
Wells Fargo Active Cash® Card | Cash Back | 4.7/5 |
Wells Fargo Reflect℠ Card | Long Intro APR | 4.8/5 |
Good credit is great, and it will save you hundreds of dollars per year relative to bad credit. But it’s not excellent. So make sure to use your new credit card responsibly, and pretty soon you’ll be able to enjoy excellent credit, Top WalletFitness and the serious savings that come along with them. Sign up for a free WalletHub account to track your progress and get personalized tips that should help along the way.
Methodology for Selecting the Best Credit Cards for Good Credit
In order to identify the best credit cards for people with good credit, WalletHub’s editors compare all of the cards for which people with good credit scores are eligible from our database of 1,500+ credit card offers. After excluding cards not suitable for people with credit scores ranging from 700 to 749, we evaluate how much each card is likely to save the average person over the course of multiple years.
In doing so we consider the cards’ rewards, interest rates, fees, secondary benefits and specific approval requirements. Furthermore, in light of the varied needs of credit card shoppers with good credit scores, we select the best cards in a range of popular categories, from initial bonuses and everyday rewards to cards with no annual fee or no interest for a long introductory period. In any case, our aim is to maximize your savings.
About the author
John Kiernan has covered the credit card industry for more than 10 years as a writer and editor for WalletHub. His work has been featured by major media outlets such as The Washington Post and The New York Times and has been cited by industry regulators such as the Consumer Financial Protection Bureau. Read Full Author Bio
Credit Cards for Good Credit FAQ
Comparing credit cards for good credit can be tough. But you’ve got the knowledgeable WalletHub community on your side. We encourage everyone to share their knowledge while respecting our content guidelines. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not the financial institution’s responsibility to ensure all posts and questions are answered.show more
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Great Tips for Good Credit & Credit Cards
Good credit gives you a lot of credit card options, and that can make finding the right fit even harder. To help you get the best card for your needs and use it wisely, we asked a panel of experts to share their advice. Just click on their photos to read their answers to the following questions.
- What is your best piece of advice for someone with a good credit score who’s looking for a credit card?
- What advantage does an excellent credit score give you relative to a good one when shopping for a credit card?
- What is the biggest credit card mistake that people with good credit tend to make?
Personal Finance Instructor, Metropolitan State University of Denver
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Instructor of Economics and Finance, University of North Dakota
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Ph.D., CFA, Chair, Department of Economics and Finance and Professor of Finance, Cameron School of Business, University of North Carolina Wilmington
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Interim Chief Financial Officer, Concordia College – New York
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Ph.D., Associate Professor, School of Business, George Mason University
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Ph.D., Assistant Professor of Economics, Tillman School of Business, University of Mount Olive
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