Credit Card Offers for Good Credit from Our Partners

Check out the credit card offers for good credit from our partners below.

A good credit score can be an indicator to creditors that you have a good idea on how to handle your finances responsibly. Good credit typically is the result of making smart decisions as you manage your finances. You pay your bills on time and use credit responsibly. Credit cards for people with good credit reward those habits with potential benefits such as a low introductory APR, a solid rewards program, competitive interest rates, moderate fees or a combination of benefits.

About Good Credit Cards

What is good credit?

At Credit Sesame, a good credit score is typically between 640 – 719. This is based on a VantageScore 3.0 model provided by TransUnion and may not be the credit scoring model used by the financial institutions presenting offers on the Credit Sesame website. Your credit score may vary from what you see elsewhere based on the credit bureau, date of the credit report, and credit scoring model. Credit card issuers and other financial institutions use a variety of different types of credit scores and other criteria to make credit and lending decisions so, having a credit score in a particular range is not a guarantee that you will be approved for a credit card or approved for the terms you applied for.

Why choose a good credit credit card?

If you have good credit, leveraging it to get the best deal on a credit card makes sense. Not only can you build an even better credit score with responsible use, you may be eligible for a rewards card so you can earn rewards on the purchases you already make. With good credit, you can probably qualify for an Annual Percentage Rate (APR) toward the middle or low end of the range offered by the issuer. Some credit cards also give you the opportunity to pay down existing high interest debt at a low rate or even 0% introductory APR. If you have debt or sometimes carry a balance, a lower APR means you’ll pay less in interest.

What's in a credit card for good credit?

Compared with credit cards offered to individuals with poor credit, those offered to individuals with good credit tend to have better features and benefits. On some credit cards, the main highlight could be a rewards program. On others, the main selling point may be a lengthy 0% introductory APR period for purchases or balance transfers.

The common thread is that these are products for people who have demonstrated that they can handle credit responsibly, and they present less of a credit risk to the lender.

Will applying for a credit card hurt my good credit?

Credit scores are influenced by several factors, including how often you apply for new credit. When a hard inquiry (meaning a lender views your credit history in response to your application for credit) shows up on your credit report, your score can drop by a few points. If you are approved for the new credit card, though, your credit score can rise. That’s because if you have existing credit card debt, your utilization ratio will go down when the new credit limit is reported (assuming you don’t add new debt).

Damage caused by an inquiry diminishes over time, and after one year, the inquiry is no longer factored into your score. Damage from a single credit application is usually negligible. If you apply for a credit card once every 12 to 18 months, you may not notice the effect much or at all. On the other hand, if you apply for several credit cards within six months, you could see a significant drop in your score. Also, many credit card issuers may deny your application if your report shows more than two or three inquiries in the past six months.

Helpful Resources

Good Money Habits Should Start With Your First Job

Getting Pre-Approved for a High-End Credit Card Can be Difficult

The pros and cons of getting pre-approved for a credit card

Should You Apply for a Credit Card or Loan Before the Next Recession?

Advertiser Disclosure: Many of the offers that appear on this site are from companies from which Credit Sesame receives compensation. This compensation may impact how and where products appear (including, for example, the order in which they appear). Credit Sesame provides a variety of offers, but these offers do not include all financial services companies or all products available.

Credit Sesame is an independent comparison service provider. Reasonable efforts have been made to maintain accurate information throughout our website, mobile apps, and communication methods; however, all information is presented without warranty or guarantee. All images and trademarks are the property of their respective owners.

Editorial Content Disclosure: The editorial content on this page (including, but not limited to, Pros and Cons) is not provided by any credit card issuer. Any opinions, analysis, reviews, or recommendations expressed here are the author's alone, not those of any credit card issuer, and have not been reviewed, approved or otherwise endorsed by any credit card issuer.

† Approval Odds: Credit Sesame calculates your approval odds by comparing your credit profile to other Credit Sesame members who were approved for this product. These approval odds are estimates only and do not guarantee approval. Lenders, credit card issuers, and other financial institutions use a variety of different types of credit scores and criteria to make credit and lending decisions. The TransUnion credit score we provide is based on the VantageScore 3.0 model and may not be the credit scoring model used by financial institutions presenting offers on our website.

†† Average and Lowest Scores: "Average" and "Lowest" scores refer to the scores of Credit Sesame members who were approved for this product. These scores are estimates only and do not guarantee approval. Lenders, credit card issuers, and other financial institutions use a variety of different types of credit scores and other criteria to make credit and lending decisions. The TransUnion credit score Credit Sesame provides you is based on the VantageScore 3.0 model and may not be the credit scoring model used by the financial institutions presenting offers on the Credit Sesame website.

Provider's Terms: *See the online provider's application for details about terms and conditions. Reasonable efforts have been made to maintain accurate information, however, all information is presented without warranty or guarantee. When you click on the "Apply Now" button, you can review the terms and conditions on the provider's website. Offers are subject to change and the terms displayed may not be available to all consumers.

Loan APR Estimates: Annual Percentage Rates, loan terms and monthly payments shown are estimated based upon analysis of your credit profile, information you entered, and/or rate information provided by lenders. While efforts have been made to maintain accurate information, the loan information is presented without warranty and the estimated APR or other terms shown do not bind any lender. All loans are subject to credit review and approval. When evaluating offers, please review the lender's terms and conditions for additional details.

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