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CNET Money's mission is to help you maximize your financial potential. Our recommendations are based on our editors' independent research and analysis, and we continuously update our content to reflect current partner offers. How we rate credit cards

Best Credit Cards for Good Credit Scores for October 2022

If you have a good credit score, you can qualify for better credit card rewards and perks.

The better your credit score, the better credit card rewards and benefits you can qualify for. Credit scores range from 300 to 850, and a "good" score is considered anywhere from 670 to 739. Your credit score is mostly determined by your credit history, which includes your track record for making payments on time, how much of your credit you're using at any given time, the average age of your credit accounts and more. If you have at least a good credit score, you can likely qualify for one of the picks below. These cards fit a mix of financial goals, from cash-back rewards to balance transfers, but all offer top-of-class benefits.

Best cash-back card for good credit

9.5/10 CNET Rating
Card Highlights
Intro OfferEarn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
APR17.24% - 25.99% Variable
Intro Purchase APR0% Intro APR on Purchases for 15 months
Recommended Credit Excellent, Good
Reward Rates
  • 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
  • 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service
  • Unlimited 1% cash back on all other purchases.
Annual Fee$0
Additional Details
Intro Balance Transfer APR0% Intro APR on Balance Transfers for 15 months
Balance Transfer APR17.24% - 25.99% Variable
Balance Transfer Fee Either $5 or 5% of the amount of each transfer, whichever is greater.
Foreign Transaction Fees 3% of each transaction in U.S. dollars
Penalty APR Up to 29.99%
Rewards & Redemption Details
  • 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
  • 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service
  • Unlimited 1% cash back on all other purchases.

Our Take

The Chase Freedom Flex℠ offers the widest spread of benefits for a card that requires at least good credit and also has no annual fee. The cash-back categories make this a good card for domestic travel (keep in mind, this card does have foreign transaction fees) and dining, and the introductory APR credit card allows you to finance a large purchase comfortably. The rotating rewards category adds even more value, and covers a lot of common budget items. For July through September, you earn 5% cash back on gas stations, car rental agencies, movie theaters and select live entertainment, on up to $1,500 in combined purchases throughout the quarter.

Remember to manually activate the bonus rotating category through your online account. Chase doesn't post the upcoming rewards categories until shortly before the new quarter begins.

For more information, see our full Chase Freedom Flex review.

Best travel card for good credit

9/10 CNET Rating
Card Highlights
Intro OfferEarn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
APR18.24% - 25.24% Variable
Intro Purchase APRN/A
Recommended Credit Excellent/Good
Reward Rates
  • 5x on travel purchased through Chase Ultimate Rewards®
  • 3x on dining.
  • 2x on all other travel purchases, plus more.
Annual Fee$95
Additional Details
Balance Transfer APR18.24% - 25.24% Variable
Balance Transfer Fee Either $5 or 5% of the amount of each transfer, whichever is greater.
Foreign Transaction Fees $0
Penalty APR Up to 29.99%
Rewards & Redemption Details
  • 5x on travel purchased through Chase Ultimate Rewards®
  • 3x on dining.
  • 2x on all other travel purchases, plus more.

Our Take

The Chase Sapphire Preferred® Card is an all-around excellent travel credit card if you've established a good credit history. The welcome bonus alone can earn you enough points to book your next flight, but the rewards program adds extra incentives to your travel spending. If you redeem your rewards points for travel booked through Chase Ultimate Rewards, you'll get a 25% boost on your points value. So instead of being worth 1 cent each -- like when you redeem them for statement credits -- points used for travel in the Chase Ultimate Rewards portal will net you 1.25 cents each.

This card has a lot of other built-in perks, like a 10% anniversary points boost: On your account anniversary, Chase gives you bonus points equal to 10% of your total purchases made the previous year. That means if you spend $25,000 on purchases, you'll get 2,500 bonus points. Although there's a $95 annual fee, the quality of perks, including primary auto rental collision damage waiver and travel assistance, easily offset that expense.

Check out our full review of the Chase Sapphire Preferred Card for more details.

A simple credit card for good credit

9.5/10 CNET Rating
See Rates and Fees
Card Highlights
Intro OfferEarn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months
APR17.99%, 22.99%, or 27.99% Variable APR
Intro Purchase APR0% intro APR for 15 months from account opening
Recommended Credit Excellent, Good
Reward Rates
  • Earn unlimited 2% cash rewards on purchases
Annual Fee$0
Additional Details
Intro Balance Transfer APR0% intro APR for 15 months from account opening on qualifying balance transfers
Balance Transfer APR17.99%, 22.99%, or 27.99% Variable APR
Balance Transfer Fee up to 5%; min: $5
Foreign Transaction Fees 3%
Penalty APR None
Rewards & Redemption Details
  • Earn unlimited 2% cash rewards on purchases

Our Take

You don't have to think about which credit card to use for which spending categories with the Wells Fargo Active Cash. Typically for people with good or excellent credit, you earn 2% cash rewards across your purchases. There are no rotating categories to activate, specific portals you need to book through or strategies you need to employ. Besides the simplicity, the Active Cash Card has a competitive welcome offer for credit cards with no annual fee, and the introductory APR allows you to benefit from short-term financing on purchases or a qualifying balance transfer.

For more details, see our full Wells Fargo Active Cash review.

Best balance transfer offer

8.75/10 CNET Rating
Card Highlights
Intro OfferN/A
APR14.24% - 24.24% Variable APR on purchases and balance transfers
Intro Purchase APR0% Intro APR for 21 billing cycles for purchases
Recommended Credit Excellent/Good
Reward RatesN/A
Annual Fee$0
Additional Details
Intro Balance Transfer APR0% Intro APR for 21 billing cycles for any BTs made in the first 60 days. A 3% fee (min. $10) applies.
Balance Transfer APR14.24% - 24.24% Variable APR on purchases and balance transfers
Balance Transfer Fee Either $10 or 3% of the amount of each transaction, whichever is greater.
Late Payment Fee See Terms
Foreign Transaction Fees 3%
Penalty APR none

Our Take

This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

The BankAmericard® credit card gives cardholders 21 billing cycles to pay off a transferred balance at 0% introductory interest (then 14.24% to 24.24% variable APR). It provides the same amount of time for new purchases, but there are no rewards.

It's one of – if not the – longest introductory APR periods available.  It does charge a 3% balance transfer fee ($10 minimum), which is pretty standard across balance transfer credit cards. That makes it stand out among its competitors. Keep in mind you'll need to make any balance transfers within 60 days of account opening to qualify for its low-interest offer.

There's little to the card outside of that, but it presents one of the best choices for a balance transfer credit card if you're looking to pay off some credit card debt.

For more information, see our full review of the BankAmericard credit card.

Grocery and gas card for good credit

8/10 CNET Rating
See Rates and Fees Terms Apply
Card Highlights
Intro OfferEarn a $350 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
APR16.99%-27.99% Variable
Intro Purchase APR0% on purchases for 12 months
Recommended Credit Excellent, Good
Reward Rates
  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%)
  • 6% Cash Back on select U.S. streaming subscriptions
  • 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more
  • 3% Cash Back at U.S. gas stations
  • 1% Cash Back on other purchases
Annual Fee$95
Additional Details
Intro Balance Transfer APR0% on balance transfers for 12 months
Balance Transfer APR16.99%-27.99% Variable
Balance Transfer Fee Either $5 or 3% of the amount of each transfer, whichever is greater.
Late Payment Fee Up to $40
Foreign Transaction Fees 2.7% of each transaction after conversion to US dollars.
Penalty APR 29.99% Variable
Rewards & Redemption Details
  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%)
  • 6% Cash Back on select U.S. streaming subscriptions
  • 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more
  • 3% Cash Back at U.S. gas stations
  • 1% Cash Back on other purchases

Our Take

The Blue Cash Preferred® Card from American Express is a top choice if you have a credit score over 670 and want to earn maximum rewards on groceries and rewards on gas. Though there is a $95 annual fee, if you have a hefty grocery or gas bill it may be negligible, as these are some of the best cash-back rates you can earn on U.S. supermarket and U.S. gas station purchases. According to the Bureau of Labor Statistics, most American households' grocery expenditure sits under the card's $6,000 annual spending threshold for the U.S. supermarket rewards. You will only exceed this spending threshold if you average over $115 in groceries per week in a year. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.

See our full review of the Blue Cash Preferred Card for more details.

Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.

FAQs

What does it mean to have 'good' credit?

Good credit is a general term. Credit bureaus have various requirements to achieve what they define as "good" credit. For instance, FICO's good credit score ranges from 670 to 739 out of a possible 300 to 850 points. FICO is one of the most popular scoring methods, but it's not the only one. With VantageScore 4.0, another popular scoring model, your score must be between 661 and 780.

Creditors see prospective cardholders with good credit as lower risk. Individuals with a clean credit history are more likely to spend carefully and make payments on time and are less likely to default on their card balances. As a result, having good credit means you're more likely to get approved for most credit cards at a lower interest rate and higher limit.

How do I get a good credit score?

Getting a good credit score takes time. Everyone starts with no credit history and works their way up. You can start with a credit-building card or personal loan with a low credit limit and make payments on time. You can continue building credit by adding other credit cards or loans. Some of the factors that are used to rate your credit include payment history, overall credit available, utilization and age of your accounts. The longer you make thoughtful spending choices and keep your current accounts in good standing, the better your chances of achieving good credit.

Which cards are the easiest to get with a good credit score?

Applying for a credit card is a bit of a gamble. There is no guarantee you'll be approved, even if you have good credit. Your credit score could dip after a card application due to the hard inquiry on your credit report -- even if you're denied after applying

The easiest card to get with a good credit score is an instant approval card that makes an immediate decision. Another option is a preapproved or prequalified credit card. Online prequalification lets you see whether you could be approved if you formally apply -- without any commitment. Best of all, a prequalification won't affect your credit score, so you can check risk-free to see if it's worth applying.

Our methodology

CNET reviews credit cards by exhaustively comparing them across set criteria developed for each major category, including cash-back, welcome bonus, travel rewards and balance transfer. We take into consideration the typical spending behavior of a range of consumer profiles -- with the understanding that everyone's financial situation is different -- and the designated function of a card. 

For cash-back credit cards, for example, key factors include the annual fee, the "welcome bonus" and the cash-back rate (or rates, if they differ by spending category). For rewards and miles cards, we calculate and weigh the net monetary value of a card's respective perks. And with balance transfer credit cards, we analyze specs such as the duration of the introductory 0% APR period and the balance transfer fee, while acknowledging secondary factors such as the standard APR and the length of time you have to make a balance transfer after you open the account.

For rates and fees of the Blue Cash Preferred Card from American Express, click here.

The editorial content on this page is based solely on objective, independent assessments by our writers and is not influenced by advertising or partnerships. It has not been provided or commissioned by any third party. However, we may receive compensation when you click on links to products or services offered by our partners.