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October 2021: Best Credit Cards for Good Credit History 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. Choose from the top starting from 700† credit score credit cards.
Special Offer for Good Credit
BEST CHOICE October 2021
- 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.
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
- Earn 80,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
- Earn 3 Points per $1 spent at Restaurants and Supermarkets
- Earn 3 Points per $1 spent at Gas Stations, Air Travel and Hotels
- Earn 1 Point per $1 spent on all other purchases
- Annual Hotel Savings Benefit
- 80,000 Points are redeemable for $800 in gift cards when redeemed at thankyou.com
- No expiration and no limit to the amount of points you can earn with this card
- No Foreign Transaction Fees on purchases
our choice
our choice
- Click "APPLY ONLINE" to apply now
- $0 annual fee and no foreign transaction fees
- 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 our 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
- Enjoy 0% intro APR on purchases and balance transfers for 15 months; 14.99% - 24.99% variable APR after that
our choice
our choice
- UNLIMITED BONUS: Only Discover gives you an unlimited match of all the Miles you’ve earned at the end of your first year. For example, if you earn 35,000 Miles, you get 70,000 Miles. There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.
- Automatically earn unlimited 1.5x Miles on every dollar of every purchase - with no annual fee.
- Redeem Miles to pay any part of your monthly bill, including your minimum payment.
- Turn Miles into cash in any amount, any time. Or redeem as a statement credit for travel purchases like airfare, hotels, rideshares, gas stations, restaurants and more with no blackout dates. However you redeem, Miles keep the same value. And Miles never expire.
- No Blackout Dates. Simply pay for travel purchases like airlines, hotels, rental cars, and more with your Discover it® Miles card.
- Discover is accepted nationwide by 99% of the places that take credit cards.
- Freeze your account in seconds with an on/off switch either on the mobile app or website to prevent new purchases, cash advances, and balance transfers.
- Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
- Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
- Click "APPLY NOW" to see rewards, FICO® Credit Score terms, Discover Match® details & other information.
our choice
our choice
- Click "APPLY ONLINE" to apply now
- Enjoy a one-time bonus of 60,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $600 in travel
- Earn unlimited 2X 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
- Receive up to a $100 credit for Global Entry or TSA PreCheck®
- Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get our 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
- No foreign transaction fees
our choice
our choice
- FOR A LIMITED TIME, earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com
- 0% Intro APR on balance transfers for 15 months from date of first transfer and on purchases from date of account opening. After that, the variable APR will be 13.49% - 23.49%, based on your creditworthiness. Balance transfer fee — either $5 or 3% of the amount of each transfer, whichever is greater.
- The Citi Rewards+® Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
- Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases.
- The standard variable APR for Citi Flex Plan is 13.49% - 23.49%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
our choice
our choice
- 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
- Use online banking to access your account, even from your smartphone, with our mobile app
- Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you're all set
- Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you
- Get access to your account 24 hours a day, 7 days a week
- Help build your credit through responsible use of a card like this
our choice
our choice
- Earn $200 in cash back after you spend $750 on purchases in the first 3 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
- 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 13.99% - 23.99%, based on your creditworthiness.
- Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
- No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
- No Annual Fee
- Citi will only issue one Citi Custom Cash℠ Card account per person.
our choice
our choice
- No Late Fees, No Penalty Rate, and No Annual Fee... Ever
- 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 14.74% - 24.74%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
- There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater.
- The standard variable APR for Citi Flex Plan is 14.74% - 24.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi’s discretion.
- Stay protected with Citi® Quick Lock and $0 liability on unauthorized charges
our choice
our choice
- Get a $25 bonus in crypto after your first purchase.
- Earn 1.5% back in bitcoin on every single purchase.
- No annual fee. No foreign transaction fees.
- Introductory offer: Earn 3.5% bitcoin rewards on all purchases in the first 90 days of card ownership, up to $100 in bitcoin.
- Know if you’re approved without affecting your credit score. A soft credit pull happens before you’ve accepted the credit card offer. A hard credit pull occurs when you’ve accepted your credit card offer, which can have an impact on your credit score.
- Earn 2% back in bitcoin on every purchase over $50,000 of annual spend. Rewards rate increases from 1.5% to 2% after $50,000 of spend has been achieved and resets on the card anniversary date every year.
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
Discover it® Miles
GREAT REWARDS OFFER
of October 2021
- UNLIMITED BONUS: Only Discover gives you an unlimited match of all the Miles you’ve earned at the end of your first year. For example, if you earn 35,000 Miles, you get 70,000 Miles. There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.
HAVE DIFFERENT CREDIT HISTORY?
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CREDIT CARDS
Need a credit card for good credit to earn miles and spend on airline tickets?
We can recommend you look through the best credit cards with travel rewards from our partners. With such cards, you can travel around the world, earning free miles every time you use your card. For example, you may...
Read moreWhat is the best credit card for rewards?
If it is your first rewards credit card, we would recommend applying for a no annual fee credit card with a fixed cash back rate on all purchases, without any changing categories and enrolments. Cash back rewards are...
Read moreWhat card can I apply for with good credit?
If your credit score is between about 670 and 749†, you have good credit. Good credit means having a large range of cards you can apply for. You can choose what is most important to you according to how you plan...
Read more
best credit card OFFERS
FOR GOOD CREDIT
You have more credit card offers to choose from when your credit is good. Once you improved your credit to good, you can allow yourself to look through credit cards for 700-749† credit scores. 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 is a good credit score? 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 starting from 700† credit score credit cards or any other 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 count on getting approved for the best credit card for a 700† 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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† Credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any credit card product. Credit-Land.com uses a FICO® Score, which is one of many different types of credit scores. A creditor may use a different score when deciding whether to approve you for credit.