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September 2020: Best Loans and
good credit cards FROM
OUR PARTNERS
You've made all the right financial moves to find out how to build good credit and made sure your credit is good - now use that solid credit history to qualify for credit cards that offer tons of benefits in the form of promo bonuses, rewards, low interest rates or low fees. We'll show you which cards are best for you.
Special Offer for Good/Fair Credit
BEST CHOICE OF September 2020
- Click "APPLY ONLINE" to apply now
- Pay no annual fee
- Be automatically considered for a higher credit line in as little as 6 months
- Fraud coverage if your card is lost or stolen
More Loans & Credit Card Offers for Good Credit
You have more credit card offers to choose from when your credit is good. If you need to transfer balances onto a new credit card with lower rates or make a big purchase, you can choose from 0% intro APR credit cards. If your goal is to earn rewards on all your purchases or on travel specifically, look for rewards credit cards. Since your credit is not perfect and you still have space to improve don't forget about long-term goals - building excellent credit history. Credit cards for good credit are great for that too.
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our choice
- Easy pre-qualification process with fast response
- Don't have perfect credit? No problem!
- 24/7 access to your account, even on mobile!
- No security deposit
- Account history is reported to the three major credit bureaus in the U.S.
our choice
our choice
- Prequalify for a card today and it will not impact your credit score
- Less than perfect credit is okay
- 24/7 access to your account information, even on mobile
- Card designs to fit your personality at no extra charge
- Account history is reported to the three major credit bureaus in the U.S.
our choice
our choice
- Click "APPLY ONLINE" to apply now
- Earn unlimited 1.5% cash back on every purchase, every day
- Earn cash rewards without signing up for rotating categories
- Be automatically considered for a higher credit line in as little as 6 months
- Monitor your credit profile with the CreditWise® app, free for everyone
- $0 fraud liability if your card is ever lost or stolen
- No limit to how much cash back you can earn, and cash back doesn't expire for the life of the account
- Help strengthen your credit for the future with responsible card use
- Get customized alerts and manage your account with the Capital One mobile app
our choice
our choice
- Click "APPLY ONLINE" to apply now
- Earn 1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that month
- Enjoy no annual fee and no foreign transaction fees
- You can help build your credit with responsible use of a card like this
- Get Eno®, your Capital One® assistant, to manage your account via text, receive alerts, and shop safer online
- Pick the monthly due date that works best for you
- Be automatically considered for a higher credit line in as little as 6 months
- $0 fraud liability if your card is ever lost or stolen
- Monitor your credit profile with the CreditWise® app, free for everyone
our choice
our choice
- Loans between $5k - $100k, state restrictions apply1
- Fixed rates starting at 5.99% APR (with AutoPay)2
- 2, 3, 4, 5, 6, or 7 year repayment terms
- No origination fees, no prepayment penalties
- Personal loans can be used for a variety of reasons, like paying off credit card debt, investing in home improvements, taking a special vacation, or wedding expenses
our choice
our choice
- Easy pre-qualification process with fast response
- Less than perfect credit is okay
- Online servicing available 24/7 at no additional cost
- Unsecured credit card, no security deposit required
- Account history is reported to the three major credit bureaus in the U.S.
our choice
our choice
- All credit types welcome to apply!
- Free access to your Vantage 3.0 score From TransUnion* (When you sign up for e-statements)
- Monthly reporting to the three major credit bureaus
- See if you’re Pre-Qualified without impacting your credit score
- Fast and easy application process; results in seconds
- Free online account access 24/7
- Checking Account Required
our choice
SoFi
GREAT LOAN WITH
LOW RATES AND NO FEES
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HAVE DIFFERENT CREDIT HISTORY?
See offers for your credit:
questionsABOUT
CREDIT CARDS
What kind of credit score do I need to get the Academy Visa?
You don’t need excellent credit, but on the other hand don’t apply for it if you have bad credit either. Anytime you have a hard inquiry on your credit report your credit score takes a hit. If you have bad credit...
Read moreI have had a Bank of America rewards card for students for 2 years. Now my credit is better and I want to get a card with lower interest rate (or even 0% APR). Can you offer any rewards credit card for me?
If you want to transfer your balance to a new credit card, note that many credit cards offer 0% APR on purchases for cardholders. If you need this feature you'd better consider getting a regular credit card, that may...
Read moreI was denied a SW card although my Experian Credit Score is 788 and my other credit scores exceed 800 each. Our net worth exceeds $1250000. I pay off all bills monthly and have for nearly all of my life. The decision cannot be based on credit worthiness.
The Southwest credit cards are issued by Chase. Therefore, we assume that you fall under the Chase’s 5/24 rule. This rule means that in order to get approved for any Chase credit card, you cannot have opened five...
Read more
BEST CREDIT CARD OFFERS
FOR GOOD CREDIT
You have more credit card offers to choose from when your credit is good. If you need to transfer balances onto a new credit card with lower rates or make a big purchase, you can choose from 0% intro APR credit cards. If your goal is to earn rewards on all your purchases or on travel specifically, look for rewards credit cards. Since your credit is not perfect and you still have space to improve don't forget about long-term goals - building excellent credit history. Credit cards for good credit are great for that too.
01. Good Credit as a Pledge of Financial Responsibility
Having a good credit score not only indicates your financial responsibility - it shows banks and other financial institutions that you are trustworthy, and a good risk for loans and lines of credit. It makes life easier for you because you'll have no trouble qualifying for the best offers, including cash back, bonus points, and low or no-interest cards.
02. What is a good credit rating?
FICO score is one representative of your credit history. And what are good credit scores? According to the FICO score range, scores between 700 and 749 are considered good credit. But the scores alone may not tell the whole story and are not a guarantee that you will be approved for any credit card offer. Credit card issuers and banks often have their own criteria to evaluate the applicant's eligibility for a credit card. However, they usually rely on FICO scores in their evaluations.
When you have good credit, you can be extended higher credit limits at better interest rates, because banks know that you are having a solid history to meet financial obligations. Today, many cards provide a range of interest rates with lowest possible rates and the highest APRs. With good credit, you can count on rates that are closer to the lowest limit. Potential employers may also look at credit reports when they evaluate candidates - so your good credit could help you get a job.
03. How to get good credit?
Well it's at the same time easy and not. You should make all your monthly payments with all your creditors on time. A single missed or late payment may ruin all your hard work. And it's better to pay more than a minimum payment required because high amounts of debt won't be good for your credit. Don't shop for credit cards too often. When you open new accounts and close some of your active accounts, you can lower your credit score. Make sure you switch to the gardening mode from time to time to maintain your good credit.
Length of your credit history and good mix of different types of credit accounts are also a part of your good credit. So, if you close your old accounts, you shorten your credit history and therefore, lower your credit score. And having a couple of personal loans that are paid according to the schedule is good for your credit health.
You'll qualify for a lower interest rate on mortgages, home equity lines of credit, car loans, and credit cards when you have a high credit score. You can even save with 0% APR on balance transfers and new purchases, or earn cash back on purchases made everywhere you shop. That is what's considered good credit and what you get when your credit is good.
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BEST GOOD CREDIT CARDS
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