Credit Cards for Good Credit

There isn’t an official Barclaycard credit score requirement, but you probably won’t be approved for any of the current offers without good or excellent credit. In fact, we only recommend applying for a Barclaycard if you have a credit score of 700+. 

True, that’s toward the upper end of what we’d normally call the good credit range. But barely meeting the absolute minimum Barclaycard credit score requirement probably won’t give you very high odds of approval. For the same reasons, Barclaycards that require “excellent” credit should be reserved for people with scores of 750+. 

These Barclaycards require excellent credit:

• Barclaycard Arrival® Plus World Elite Mastercard®
• Barclaycard CashForward™ World Mastercard®
• JetBlue Plus Card

These Barclaycards require good credit (or better):

• Mastercard® Black Card
• Lufthansa Credit Card
• American Airlines AAdvantage® Aviator™ Silver Credit Card
• Frontier Airlines Credit Card with No Annual Fee

It’s also important to note that your credit score isn’t the be-all and end-all of credit card approval. Credit card issuers also consider factors such as your income and how much debt you owe. But comparing your rating to a given Barclaycard’s credit score requirement is an easy way to get a rough sense of your approval odds.

If you don’t know whether your credit puts you in the Barclaycard ballgame, you can check your latest credit score for free on WalletHub, the only site with free daily updates.

The Chase credit card credit score requirement is 700+ (good credit) or 750+ (excellent credit), depending on the card. Most Chase cards require at least good credit, including the Amazon Rewards Card, Chase Slate, and the Ink Business cards. There are also several Chase credit cards that require excellent credit, including Chase Freedom, Freedom Unlimited, Sapphire Preferred and Sapphire Reserve. Chase does not offer credit cards for fair credit (640-699) or lower credit scores at this time.

It is possible to get approved for a Chase credit card with a credit score lower than 700. Your chances are best if you have a high income and not much debt. Chase also looks at your employment status, housing information, credit history, payment history and more. These factors, combined with your credit score, will ultimately determine your creditworthiness. But the higher your credit score is above 700, the better your Chase credit card approval odds will be.

Major Chase credit card credit score requirements:

• Freedom and Freedom Unlimited - Excellent Credit (750+ credit score)
• Sapphire Preferred and Sapphire Reserve - Excellent Credit (750+ credit score)
• Slate - Good Credit (700+ credit score)
• Ink Business cards - Good Credit (700+ credit score)
• Amazon.com Credit Card - Good Credit (700+ credit score)
• Chase hotel cards - Good Credit (700+ credit score)
• Most Chase airline cards - Good Credit (700+ credit score)

Be sure to check your credit score regularly to assess your chances of meeting the Chase credit card credit score requirements. Chase also has an online pre-approval status tool that gives you an indication of how well your credit stacks up without having to formally apply.

You’ll know within seconds if you’re pre-approved for any Chase credit cards. There’s no guarantee you’ll be approved if you apply, but the odds are on your side. Pre-approvals are done using a soft inquiry or “soft pull” on your credit report, which means there’s no effect on your credit score. However, if you decide to actually apply for a card, Chase will perform a hard inquiry, which may cause a slight dip in your credit score.

You need a good credit score for a Citi credit card in most cases. So you’ll have a shot with a credit score of 660+, and your odds will be good with 700+. But it really depends on which card you’re after. Some Citi credit cards require higher scores, and one has no minimum score at all.

For example, some of the Citi credit cards that require good credit or better for approval include Simplicity (0% for 21 months on balance transfers), and Double Cash (2% cash back). Among the Citi credit cards you need excellent credit (a score of 750+) to get are ThankYou Preferred (2X points on dining and entertainment), Premier (3X points on travel), and the two Expedia cards. And even people with bad credit can get the Citi Secured Card.

Below, you can see what Citi cards your credit score will allow you to pursue, along with other information about approval.

Here’s what else you should know about the credit score you need for a Citi credit card:

• Bad credit (below 640): You only have one option for a Citi card if you have bad credit. That’s the Citi Secured Mastercard. It doesn’t give any rewards, but it does have no annual fee and can help you rebuild your credit. There’s a $200 minimum security deposit.
• Fair credit (640-699): With fair credit, you have a good shot at getting one of Citi’s various store cards. These cards can only be used at their associated store. Some examples of stores that offer fair credit cards through Citi are Staples, Best Buy and Goodyear.
• Good credit (700-749): Good credit opens you up to some of Citi’s more attractive credit card offerings. You can get the best cashback card on the market, Citi Double Cash, with good credit, or the Citi Simplicity card.
• Excellent credit (750 and up): You’ll be eligible for all of Citi’s cards with a score in this range, assuming your income and other information check out. Some excellent-credit-only offerings include Citi ThankYou Preferred (15-month 0% APR), Expedia+ Voyager (travel rewards) and Citi/AAdvantage Executive World Elite Mastercard (airline miles).
• Other requirements: It takes more than just a good enough credit score to get Citi credit card approval. In particular, you need enough income to pay the monthly bills, along with your existing debts. You’ll also need a valid Social Security number (or ITIN) and U.S. mailing address.

Check your credit score before applying for a Citi credit card. That will tell you which cards you have the best chances of getting. And you can check if you’re pre qualified for any Citi cards on their website.

You can get a high limit credit card by having excellent credit and a large income. Picking the right credit card goes a long way, too.

If you’re applying for a new credit card with a high limit, your best bet is to target cards known for high minimum initial credit limits. Cards’ terms and conditions usually show the minimum limit, and there are plenty of cards that start at $5,000 to $10,000, such as Chase Sapphire Preferred/Reserve, Bank of America Cash Rewards and Capital One Venture. But you should make sure you know the ins and outs of high limit credit cards before you apply.

In general, your credit limit is determined by the credit card issuer, based primarily on your income and credit history. So, the higher your income and the better your credit history, the more likely you will receive a new card with a high initial credit limit. But issuers take other things into account too, like the number of other accounts you have and the length of your history.

Here is how you can get a high credit limit on your credit card:

• Apply for a credit card with a high starting limit. Chase Sapphire Reserve has a $10,000 minimum. Chase Sapphire Preferred and Capital One Venture are some of the credit cards with minimum credit limits of $5,000.
  High limit cards usually come with annual fees ($450 for Sapphire Reserve), so you’ll have to decide if high spending power is worth it. They also often have good travel rewards. Sapphire Reserve gives you a $300 travel credit each year, and Venture offers 50,000 initial bonus points, redeemable for $500 in travel purchases. And they require good or excellent credit. If this limits your options, consider a card with fewer rewards and a smaller limit. Capital One Quicksilver’s minimum limit is $300, but it requires only limited credit and gives 1.5% cash back on all purchases.
• Improve your credit score. High limit credit cards typically require good or excellent credit. If you check your latest credit score and discover that you don’t qualify, that means you have some work to do.
  You need to add positive information to your credit report, which you can do by using a credit card responsibly and catching up on any past-due bills, among other things. A good credit card to use in the meantime is Capital One QuicksilverOne. Its minimum credit limit is only $300, but you can get approved with limited credit, and you’ll earn 1.5% cash back on all purchases. There is a $39 annual fee, though.
• Earn a higher credit limit with good behavior. Once you have paid on time for several months, you will be eligible for credit limit increases. The issuer may automatically raise your credit limit after reviewing your account, usually in 6 to 12 month intervals. How much depends on how responsibly you are using the card. Not all issuers will give automatic increases.
  An automatic increase is typically a soft inquiry which will not show up on your credit report. An issuer must get your permission to generate a hard inquiry for a credit limit increase.
• Request a credit limit increase. You can also request a credit limit increase, either online or by calling the issuer’s customer service department. You will either get the requested increase, receive a lower counteroffer from the issuer or be denied the increase.
  Requesting a credit limit increase usually results in a hard inquiry, which could hurt your credit score. However, some issuers – including Discover and Wells Fargo – now use soft inquiries in most cases.

A high limit credit card will help raise the total available credit listed on your credit report, which can help to lower your overall credit utilization ratio. You should aim for credit utilization below 30%. If you’re unable to get a high limit card, you can pay off purchases right away to free up spending power.

The best credit card for a 700 credit score could be Capital One Venture if you’re eager to earn travel rewards, Citi Double Cash if you’d prefer cash back or Chase Slate 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:

• For Travel Rewards – Capital One Venture - 50,000 miles for spending $3,000 in the first 3 months. 2 miles per $1 on all purchases (10 miles per $1 at hotels.com/venture). No foreign transaction fees. $95 annual fee.
• For Cash Rewards – Citi Double Cash - 1% cash back on all purchases, with another 1% cash back when you pay them off. Intro APR of 0% for 18 months on balance transfers (3% transfer fee). 3% foreign transaction fee. $0 annual fee.
• For Balance Transfers – Chase Slate - Intro APR of 0% for 15 months on purchases and 0% for 15 months on balance transfers. $0 balance transfer fee for transfers made in the first 60 days. No rewards. 3% foreign transaction fee. $0 annual fee.
• For Big-Ticket Financing – Citi Simplicity -  Intro APR of 0% for 12 months on purchases and 0% for 21 months on balance transfers. 5% (min $5) balance transfer fee. No rewards. 3% foreign transaction fee. $0 annual fee.
• Hotel Perks – Radisson Premier Visa Signature - 50,000 bonus points for making your first purchase, plus 35,000 points for spending $2,500 in the first 90 days. 10 points per $1 spent at Radisson and 5 everywhere else. 40,000 bonus points for renewing your card every year. 3% foreign transaction fee. $75 annual fee.

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.

The best credit card rate for good credit is 0%. Most 0% APR credit cards require good credit or better for approval. But 0% rates are only temporary. Once they expire, you’ll pay the regular APR. In that sense, a good credit card rate for good credit is below 20%.

That’s generally the starting point for people with credit scores from 700 to 749. Interest rates are usually listed as a range. So the higher your credit score, the better your chances of securing an interest rate at the low end of the range. Other factors such as your income and debt level also play a part in determining your interest rate.

Here are some good credit card rates for good credit:

• 0% APR for 14 months on purchases and balance transfers: Discover it Cash Back. Regular APR: 13.99% - 24.99% (V). 3% transfer fee. 5% cash back on purchases in categories that change quarterly and 1% on everything else. No annual fee.
• 0% APR for 18 months on balance transfers: Citi Double Cash. Regular APR: 15.49% - 25.49% (V). 3% transfer fee ($5 minimum). 2% cash back on all purchases; 1% when you buy and 1% when you pay. No annual fee.
• 0% APR for 12 months on purchases and balance transfers: EveryDay Credit Card from American Express. Regular APR: 14.99% - 25.99% (V). $0 transfer fee for the first 60 days. 10,000 bonus points when you spend $1,000 in the first three months. 2 points per $1 on the first $6,000 per year at supermarkets and 1 on everything else. No annual fee.
• 0% for 20 months on purchases and balance transfers: US Bank Visa Platinum Card. Regular APR: 11.99% - 23.99% (V). 3% transfer fee ($5 minimum). No rewards. No annual fee.
• 0% for 12 months on purchases and 21 on balance transfers: Citi Simplicity. Regular APR: 15.99% - 25.99% (V). 5% transfer fee ($5 minimum). No rewards. No annual fee.
• Regular APR: 14.74% - 24.74% (V): Capital One Venture Rewards. No introductory 0% APR. 50,000 bonus miles when you spend $3,000 in the first three months, worth $500 in travel. 2 miles per $1 on all purchases. No annual fee for first year, $95 after.

A good credit card rate for good credit can save you money if you’re paying down debt. But if you pay your credit card balance in full every month, a credit card’s interest rate will never be an issue. Maintaining a good payment history and reducing your debt-to-credit ratio will help raise your credit profile. In turn, it will improve your chances of qualifying for credit cards for excellent credit.

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.

The best credit card for a 660 credit score is the Capital One Platinum card, which has a $0 annual fee and a $0 foreign transaction fee. After you make your first 5 payments on time, you could also get upgraded to a higher credit line ($300+ to start). Capital One Platinum does not offer rewards, but it can help you build credit for free.

If you’re set on rewards, the best credit card for a 660 credit score is Capital One QuicksilverOne. It offers 1.5% cash back on all purchases, which is an above average earning rate. However, it does charge an annual fee of $39 .

A 660 credit score is considered fair credit, but it isn’t too far from good credit, which starts at 700. So you might have a shot at getting a credit card for people with good credit, if you have a lot of income relative to your debt or you wait a little while to improve your score before you apply. The Citi Double Cash Card is a good option because it offers 2% cash back rewards and has no annual fee. Customers report it’s possible to get with a 660 score, but it’s definitely less likely than with a score of 700.

Best credit cards for a 660 credit score:

• Capital One QuicksilverOne Credit Card: $39 annual fee. Unlimited 1.5% cash back on all purchases. After, first 5 on-time payments may be eligible for a higher credit line. No foreign transaction fee.
• Amazon.com Store Card: $0 annual fee. Amazon Prime members get 5% back on all purchases. Once approved, $10 Amazon gift card uploaded to your Amazon account.
• Capital One Platinum: $0 annual fee. No rewards but possible access to a higher credit line after making first 5 payments on time. Possible upgrade to Capital One Quicksilver once your credit improves.
• Journey Student Rewards from Capital One: $0 annual fee. Unlimited 1% cash back on all purchases. Earnings bumped to 1.25% every month you pay your bill on time.
• Target Credit Card: $0 annual fee. Save 5% at Target in-store and online, plus an extra 30 days on returns. Most Target.com orders qualify for free 2-day shipping.
• Citi Double Cash: $0 annual fee. Unlimited 2% cash back on all purchases: 1% when you buy and 1% when you pay. 0% for 18 months on balance transfers (3% (min $5) transfer fee). This card is for good credit (700+ score).

The best credit card for a 660 credit score is one that charges no or low fees. Credit cards for fair credit don’t have the best interest rates. So try to pay your bill in full and on time every month. Doing so, along with keeping your credit utilization low, should eventually get your score in the good range.

Before you apply for a card, you may be able to check for pre approval to test the waters. If you’re pre approved, you’re not guaranteed approval but your odds are about as high as they can be.

The best credit cards for a 720 credit score include Capital One Venture, which offers an initial bonus of 50,000 miles, and Citi Double Cash, which gives a combined 2% cash back on all purchases. Another top card is the Wells Fargo Cash Wise Visa. It offers at least 1.5% cash back on all purchases.

A credit score of 720 falls within the “Good” range, which is from around 700 to 749 on the 0 to 850 credit scale. Consumers in this category generally have a credit history of more than three years, more than $5,000 in available credit and no late payments in the past 12 months.

Also among the best credit cards for a 720 credit score is the Blue Cash EveryDay card from American Express. It gives you an introductory APR of 0% for 15 months on purchases and 0% for 15 months on balance transfers. The Discover It Cash Back card earns 5% on purchases on different categories each quarter and matches all cash back earned at the end of the first year.

With a 720 credit score and a steady income, you should have little trouble securing a credit card with a low interest rate, a high credit limit and good rewards.

Here are the best credit cards for a 720 credit score:

• Best for travel rewards: Capital One Venture. 50,000 miles when you spend $3,000 in the first three months, worth $500 toward travel. Earn 2 miles per $1 spent on all purchases; 10 on hotels booked through hotels.com/venture. $95 annual fee.
• Best for cash back: Citi Double Cash card. 2% cash back on all purchases; 1% when you buy and an additional 1% when you pay. Intro APR of 0% for 18 months on balance transfers, 13.99% to 23.99% (V) after. 3% (min $5) transfer fee. $0 annual fee.
• Best for cash bonus: Wells Fargo Cash Wise Visa. Earn 1.5% cash back on all purchases. Up to $600 in cell phone protection with a $25 deductible. Introductory APRs of 0% for 15 months on purchases and 0% for 15 months on qualifying balance transfers on transfers. 14.49% to 24.99% Variable APR after. 3% for 120 days, then 5% transfer fee. $0 annual fee.
• Best for 0% APR: Blue Cash EveryDay Card from American Express. $150 statement credit when you spend $1,000 in the first three months. Earn 3% cash back at supermarkets (first $6,000 spent yearly), 2% at gas stations, and 1% on all other purchases. Intro APRs of 0% for 15 months on purchases and 0% for 15 months on balance transfers. 12.99% to 23.99% (V) APR after. 3% (min $5) transfer fee. $0 annual fee.
• Best for low APR: Discover it Cash Back. Earn 5% on purchases (up to $1,500) in categories such as restaurants, gas stations and Amazon.com that rotate each quarter. Receive matching cash back at the end of the first year. Intro APR of 0% for 14 months on purchases and 0% for 14 months for balance transfers. 11.99% to 22.99% (V) APR after. 3% transfer fee. $0 annual fee.

A 720 credit score will put you in the running for some of the best credit cards on the market, provided you meet the card’s minimum income requirements. The very best cards, however, require excellent credit. That’s a credit score of 750 or better. To move up to that next level, maintain a history of timely payments and try reducing the amount of credit you use to less than 30%. The lower the ratio, the bigger the jump in your credit score. Also, avoid closing any credit cards or applying for new credit in a short period of time.

Tier 2 credit cards require a “good” credit score: 700 to 749 on the standard 300-850 point scale. Tier 1 credit cards are for people with excellent credit (750 and above). And Tier 3 credit cards are for fair credit (640-699). Some people view Tier 2 as starting at 660 and Tier 1 at 720. But if you apply for cards based on that scale, you’ll find yourself more likely to be rejected.

Some of the best Tier 2 credit cards are Capital One Venture, Citi Double Cash, Discover It Cash Back and American Express Blue Cash Everyday. They all offer attractive rewards.

Here are the best Tier 2 credit cards:

• Capital One Venture: Initial 50,000 bonus miles when you spend $3,000 in the first three months, worth $500 when redeemed for travel. 2 miles per $1 spent on all purchases. 10 miles per $1 on hotels booked through hotels.com/venture. $95 annual fee, waived first year.
• Citi Double Cash: Earn a combined 2% cash back on all purchases; 1% when you buy and 1% when you pay. 0% APR for 18 months on balance transfers. 3% balance transfer fee ($5 minimum). No annual fee.
• Discover it Cash Back card: Earn 5% per $1 spent (up to $1,500) on categories that change each quarter. Will match all cash back earned at the end of your first year. 0% APR for 14 months on purchases and balance transfers. 3% balance transfer fee. No annual fee.
• American Express Blue Cash Everyday: $200 statement credit when you spend $1,000 in the first three months. Earn 6% cash back at supermarkets (first $6,000 spent annually), 3% at gas stations and 1% on everything else. 0% APR for 12 months on purchases and balance transfers. 3% balance transfer fee (minimum $5). No annual fee.

Tier 2 credit cards have some fantastic offers, but Tier 1 credit cards are the most lucrative. You can lower your credit tier by improving your credit score. Make timely payments on all of your credit accounts. Don’t apply for too many credit accounts in a short period of time, and don’t close any unused credit cards. Keep your debt to credit ratio under 30%.

Also, be sure to review your credit report regularly for any discrepancies that might affect your credit score, and report any errors to the credit reporting agencies.