Best Cards for Good or Excellent Credit
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Having good or excellent credit can open wide the world of credit cards. There are some other factors involved in credit decisions, like income. But if you have good credit (a FICO Score 8 of around 670 or above) and make a decent wage, you can generally expect to find good approval odds and interest rates for all kinds of credit products.
By Brendan Harkness
Our Selection Criteria
You should aim for the best if you’ve got great credit; no need to settle for a poor value, especially if you’ll be paying any fees. Depending on the type of card you’re looking for, think about:
- High reward rates: Simply enough, the best reward cards offer the most points or cash back, and they typically have valuable signup bonus offers too. Think about your typical shopping habits, and find a rewards program that fits.
- Point transfers: Having flexible redemption options can help you get even more out of your rewards; transfers to airline and hotel loyalty programs provide some of the best opportunities.
- Top-of-the-line benefits: Some premium credit card benefits include travel credits that can knock down annual fees, airport lounge access, free Global Entry or TSA PreCheck, elite hotel statuses, primary auto rental coverage, and more.
- Low interest rates: In general, with better credit comes lower interest rates. If you’re looking for zero percent APR offers for purchases or balance transfers, even no-fee balance transfers, you shouldn’t have much trouble finding good credit cards.
- A reasonable annual fee, and no extra fees: You shouldn’t have to pay an outsized fee to get valuable credit card rewards and benefits (even if you don’t have the best credit). And you definitely shouldn’t have to deal with tomfoolery like initiation fees or standard-mail card replacement fees.
We’ve covered most of the bases below, but if you have good or excellent credit you shouldn’t stop looking until you find the card (or cards) you need. Find more options in our picks for the Best Credit Cards of all kinds.
By Brendan Harkness
Is a Credit Card for Good or Excellent Credit Right for You?
If you’ve got good or excellent credit scores, with a FICO Score 8 of around 670 or better, you can freely browse the credit card market, knowing you’ll have a good shot at pretty much everything you see. Approval is never guaranteed, and there are other factors involved in application decisions, but you can rest assured that your credit won’t usually stand in the way.
That’s about it — having a good credit history makes finding that new card relatively easy, because you won’t have to worry about limiting yourself to cards designed for fair credit, bad credit, or no credit. You’ll be more attractive to credit card issuers, and you can focus on the card features you want, rather than what you can hope to qualify for.
When you find something you like, there won’t be much holding you back. Just make sure there isn’t a better offer available, which you can do by browsing our selection of top card credit offers.
BEST PICK FOR
Flat-Rate Cash Back Rewards
Citi® Double Cash Card - 18 month BT offer
Details
securely on the issuer's website
What do you pay with when you’re outside your typical bonus categories?
A smart shopper could pull out the Citi® Double Cash Card – 18 month BT offer, to earn twice as much as you typically would on non-category purchases (normally just 1%). There’s even an intro APR offer for balance transfers.
- 2% cash back for every purchase you make (must pay at least the minimum due on time)
- 1% cash back when you make a purchase
- 1% cash back when you pay for that purchase
There are quite a few good flat-rate rewards cards these days; check out the runners up, where you’ll find one-time intro bonuses and bonus cash back in your first year.
- Citi Concierge: Call for non-emergency help whenever you need it, like assistance making travel reservations.
- ShopRunner membership: Use ShopRunner to get free two-day shipping and returns at participating retailers.
- Shopping and Travel protections: Including Price Rewind, Purchase Protection, Extended Warranties, and more
- Free FICO credit score: Check your FICO Bankcard Score 8 for free, based on your Equifax credit report.
- Balance Transfer APR: 0% for 18 months on Balance Transfers, then 13.99% – 23.99% (Variable) (for transfers made during the first four months)
- Annual fee: $0
Best Cards for Good or Excellent Credit
- 5% cash back on:
- Lyft rides (through March 2022)
- Grocery store purchases (not including Target or Walmart purchases; up to $12,000 spent in the first year)
- 1.5% cash back for every other purchase
- $200 bonus for spending $500 in the first 3 months
- Annual fee: $0
Capital One® Quicksilver® Cash Rewards Credit Card
- 1.5% cash back for all purchases
- $150 cash bonus for spending $500 in the first 3 months
- Annual fee: $0
American Express Cash Magnet® Card
- 1.5% cash back for every purchase
- $150 statement credit for spending $1,000 in the first 3 months
- Annual fee: $0 (Rates & Fees)
Wells Fargo Cash Wise Visa® card
- 1.5% cash back for every purchase
- $150 cash bonus for spending $500 in the first 3 months
- Annual fee: $0
- Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
- To earn cash back, pay at least the minimum due on time.
- Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.99% – 23.99%, based on your creditworthiness.
- Balance Transfers do not earn cash back.
- If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
- There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
- The standard variable APR for Citi Flex Plan is 13.99% – 23.99% based on your creditworthiness. Citi Flex Plan offers are made available at Citi’s discretion.
Citi is a Credit Card Insider advertiser.
BEST PICK FOR
General Travel Rewards
Chase Sapphire Preferred® Card
Details
securely on the issuer's website
Occasional travelers can feel right at home using the Chase Sapphire Preferred® Card, with solid travel features for a reasonable annual fee.
If you travel more often you’ll probably want something bigger and better, to help you get the most out of your trips — check out the premium travel cards below if that sounds like you.
- 5X Ultimate Rewards points per dollar on:
- Lyft rides (through 3/31/22)
- Select streaming services (up to $1,500 spent, through 9/30/20)
- 3X Ultimate Rewards points per dollar on:
- Instacart (up to $3,000 spent, through 9/30/20)
- Gas (up to $1,500 spent, through 9/30/20)
- 2X Ultimate Rewards points per dollar on:
- Travel
- Dining
- 1X Ultimate Rewards point per dollar for every other purchase
- 80,000 bonus points for spending $4,000 in the first 3 months
- 25% point bonus: When redeeming for travel expenses through Chase Ultimate Rewards
- Point transfer: Transfer points at a 1:1 rate to leading airline and hotel frequent travel loyalty programs, like Marriott Bonvoy and United MileagePlus.
- DoorDash membership: A free membership (DashPass) for at least a year, which provides free delivery and reduced service fees on orders over $12
- 15,000-point referral bonus: Get 15,000 points for every friend you refer who applies for the card and is approved, up to 75,000 bonus points per year.
- Luxury Hotel and Resort Collection: Book eligible rooms to get perks like daily breakfast for two, complimentary WiFi, room upgrades, early check-in or late checkout, and unique gifts.
- Shop through Chase/Chase Offers: Earn more points by shopping at participating retailers with the Shop through Chase and Chase Offers shopping portals.
- Visa Signature Concierge: Call to speak with your Visa Signature Concierge any time, day or night.
- Primary Auto Rental Collision Damage Waiver: Get primary coverage on eligible rental vehicles so you don’t have to pay for rental insurance and your premiums won’t go up after an accident.
- Annual fee: $95
Bank of America® Premium Rewards® Credit Card
- 2X points per dollar on Travel and Dining
- 1.5X points per dollar for every other purchase
- 50,000 bonus points for spending $3,000 in the first 90 days after account opening
- Annual fee: $95
Capital One® Venture® Rewards Credit Card
- 5X miles per dollar with Uber Eats (through 1/31/21)
- 2X miles per dollar on all other purchases
- 100,000 bonus miles for spending $20,000 in the first 12 months from account opening, or still earn 50,000 miles for spending $3,000 in the first 3 months
- Annual fee: $95
Citi Premier℠ Card
- 3X points per dollar on:
- Air travel
- Hotels
- Gas stations
- Supermarkets
- Restaurants
- $100 annual hotel credit: Valid when you book a hotel stay of $500 or more through thankyou.com, once per calendar year
- 60,000 bonus points for spending $4,000 on purchases in the first 3 months of account opening
- Annual fee: $95
- Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $1,000 toward travel when you redeem through Chase Ultimate Rewards(R).
- 2X points on travel and dining at restaurants worldwide, eligible delivery services, takeout and dining out & 1 point per dollar spent on all other purchases.
- Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 80,000 points are worth $1,000 toward travel.
- Get unlimited deliveries with a $0 delivery fee and reduced service fees on orders over $12 for a minimum of one year on qualifying food purchases with DashPass, DoorDash’s subscription service. Activate by 12/31/21.
- Earn 5X points on Lyft rides through March 2022. That’s 3X points in addition to the 2X points you already earn on travel.
Chase Sapphire Reserve®
Details
The Chase Sapphire Reserve® is one of our favorite cards overall, with great perks that should offset the annual fee pretty easily.
You can find a lot of value in the rewards, travel and airport security credits, Priority Pass Select membership, and hotel/rental car privileges — and those are just some of the highlights of this useful card.
- 10X Ultimate Rewards points per dollar on:
- Lyft rides (through 3/31/22)
- Select streaming services (up to $1,500 spent, through 9/30/20)
- 5X Ultimate Rewards points per dollar on:
- Instacart (up to $3,000 spent, through 9/30/20)
- Gas (up to $1,500 spent, through 9/30/20)
- 3X Ultimate Rewards points per dollar spent on:
- Travel (after using the full $300 travel credit)
- Dining
- 1X Ultimate Rewards point per dollar spent on all other purchases
- 50,000 bonus points for spending $4,000 in the first 3 months after account opening
- Value: $500–$1,000 (assuming 1–2 cents per point)
- Return on spend: 12.5%–25%
- Point transfer: Transfer your points at a 1:1 rate to a variety of airline and hotel loyalty programs, like United, JetBlue, and Marriott Bonvoy
- $300 annual travel credit: A $300 travel credit every year that will be automatically applied toward a broad range of travel-related expenses charged to the card
- Priority Pass Select membership: Enjoy access to over 1,000 airport lounges worldwide plus a selection of restaurants. The cardholder and two guests can enter for free; additional guests cost $27 each.
- Global Entry or TSA PreCheck application fee credit: Get a statement credit to offset the cost of applying for Global Entry ($100) or TSA PreCheck ($85), once every four years.
- Elite hotel benefits at Relais & Châteaux: Accelerated progress towards Club 5C member status with Relais & Châteaux luxury hotel and resort properties
- Visa Infinite Concierge: Call for non-emergency help of all kinds, like making dinner reservations or finding good tickets to a show.
- Special car rental privileges: Rental upgrades, discounts, and promotional offers at Avis, Silvercar, and National Car Rental
- Lyft Pink membership: One free year of Lyft Pink, which includes 15% off rides, relaxed cancellations, surprise offers, and priority airport pickup
- DoorDash membership: A free membership (DashPass) for a year, which provides free delivery and reduced service fees on orders over $12
- $60 annual DoorDash credit: Get $60 in DoorDash credits in 2020, and $60 in credits in 2021.
- Shopping and Travel protections: Purchase Protection, a Primary Auto Rental Collision Damage Waiver, Trip Delay Reimbursement, and more
- No foreign transaction fees
- Annual fee: $550
The Platinum Card® from American Express
- 5X points per dollar on:
- Flights booked directly with airlines or with Amex Travel
- Eligible hotels booked with Amex Travel
- 2X points per dollar on other eligible purchases from Amex Travel
- 60,000 bonus points for spending $5,000 in the first 3 months
- Annual fee: $550 (Rates & Fees)
Citi Prestige® Card
- 5X ThankYou points per dollar for Air travel and Restaurants
- 3X ThankYou points per dollar for Hotels and Cruise lines
- 50,000 bonus points for spending $4,000 in the first 3 months
- Annual fee: $495
U.S. Bank Altitude Reserve Visa Infinite® Card
- 3X points per dollar on Travel and Mobile wallet purchases
- 50,000 bonus points for spending $4,500 in the first 90 days
- Annual fee: $400
BEST PICK FOR
Gas Stations
PenFed Platinum Rewards Visa Signature® Card
Details
securely on the issuer's website
The PenFed Platinum Rewards Visa Signature® Card kinda comes out of left field, but it’s not hard to say that this is an excellent rewards card for gas.
You’ll be hard-pressed to find an unlimited 5X points for gas year-round on other cards. Usually you’ll have a spending limit, or the category will only be available for a few months out of the year.
There are a few other handy features, like other bonus categories and no foreign transaction fee. You’ll need to be a PenFed member to apply, though.
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- Visa Signature Luxury Hotel Collection: Enjoy a variety of perks, like automatic room upgrades, complimentary in-room WiFi, and more, at more than 900 hotels around the world.
- Visa Signature Concierge: Call for non-emergency help whenever you need it, like assistance making dining or travel reservations.
- Free FICO credit score: Check your FICO NextGen credit score for free whenever you’d like, based on your Equifax credit report.
- Shopping and travel protections: Purchase Protection, Extended Warranty, Roadside Assistance, Car Rental Collision Damage Waiver, and more
- No foreign transaction fee
- Annual fee: $0
Blue Cash Preferred® Card from American Express
- 6% cash back at U.S. supermarkets (up to $6,000 spent annually) and Select U.S. streaming subscriptions
- 3% cash back at U.S. gas stations and for Transit
- $250 statement credit for spending $1,000 in the first 3 months
- Annual fee: $95 (Rates & Fees)
Hilton Honors American Express Surpass® Card
- 12X Hilton Honors Bonus points per dollar for eligible purchases charged on your Card directly with a hotel or resort within the Hilton Portfolio
- 6X points per dollar at U.S. gas stations, U.S. restaurants, U.S. supermarkets
- 125,000 bonus points for spending $2,000 in the first 3 months
- Annual fee: $95 (Rates & Fees)
Wells Fargo Propel American Express® card
- 3X points per dollar for Gas stations, Restaurants, Travel, Eligible streaming services
- 20,000 bonus points for spending $1,000 in the first 3 months
- Annual fee: $0
Chase Freedom Flex℠
- 5% cash back in categories that rotate every three months, often including Gas stations (up to $1,500 spent per quarter)
- 5% cash back on:
- Travel purchased through Chase Ultimate Rewards
- Lyft purchases (through March 2022)
- Grocery store purchases (not including Target or Walmart purchases; up to $12,000 spent in the first year)
- 3% cash back at:
- Restaurants
- Drugstores
- $200 bonus for spending $500 in the first 3 months
- Annual fee: $0
Discover it® Cash Back
- 5% cash back in categories that rotate every three months, often including Gas stations (up to $1,500 spent per quarter; activation required)
- Cashback Match: Earn double the cash back in your first year
- Annual fee: $0
- $100 statement credit after spending $1,500 in purchase transactions within the first 90 days of account opening.
- 0% promotional rate for 12 months on balance transfers made between now and September 30, 2020. After that, the APR for the unpaid balance and any new balance transfers will be a non-variable rate of 17.99%. 3% balance transfer fee per transaction. Subject to credit approval. If you take advantage of this balance transfer, you will immediately be charged interest on all purchases made with your credit card unless you pay the entire account balance, including balance transfers, in full each month by the payment due date.
- Rate and offers current as of September 1, 2020 and subject to change.
- Earn 5 points on gas purchases at the pump. Fuel purchases for airplanes and boats receive point per dollar spent.
- Earn 3 points on supermarket purchases (3 points/dollar spent)
- Earn 1 point on all other purchases (1 point/dollar spent)
- No annual fee
- No foreign transaction fees
- No cash advance fee
- Chip and Contactless ‘Tap to Pay’ enabled for added security, ease and convenience at the point of sale
- Click and Pay eligible, via Secure Remote Commerce, so you can enjoy easy and secure online buying checkout
- Purchase variable rate as low As 13.49% APR and capped at 17.99%
BEST PICK FOR
Groceries
securely on the issuer's website
The Blue Cash Preferred® Card from American Express blows most other cards out of the water when it comes to groceries, and it’s quite good in some other categories too.
It is possible to get a better return on your grocery spending than 6%, using some of the runners up below. But in those cases you’ll have to do some work (transferring rewards and redeeming for travel), whereas the Blue Cash Preferred gives you easy cash back with no further effort.
- 6% cash back for:
- U.S. supermarkets (up to $6,000 spent annually)
- Select U.S. streaming services
- 3% cash back for:
- U.S. gas stations
- Transit
- 1% cash back for every other purchase
- $250 statement credit for spending $1,000 in the first 3 months after account opening
- Return on spend: 25%
- Amex Offers: Find significant discounts at a changing selection of merchants and websites.
- ShopRunner membership: ShopRunner provides free two-day shipping and returns at participating online retailers.
- Purchase APR: 0% on purchases for 12 months, then 13.99%-23.99% Variable (Rates & Fees)
- Annual fee: $95
American Express® Gold Card
- 4X points per dollar at U.S. supermarkets (up to $25,000 per calendar year in purchases, then 1X) and Restaurants
- 3X points per dollar on Flights booked directly with airlines or with Amex Travel
- 35,000 bonus points for spending $4,000 in the first 3 months
- Annual fee: $250 (Rates & Fees)
Hilton Honors American Express Surpass® Card
- 12X Hilton Honors Bonus points per dollar for eligible purchases charged on your Card directly with a hotel or resort within the Hilton Portfolio
- 6X points per dollar at U.S. gas stations, U.S. restaurants, U.S. supermarkets
- 125,000 bonus points for spending $2,000 in the first 3 months
- Annual fee: $95 (Rates & Fees)
Blue Cash Everyday® Card from American Express
- 3% cash back at U.S. supermarkets (up to $6,000 spent annually)
- 2% cash back at U.S. gas stations and select U.S. department stores
- $150 cash back for spending $1,000 in the first 3 months
- Annual fee: $0 (Rates & Fees)
Discover it® Cash Back
- 5% cash back in rotating categories, often including groceries (up to $1,500 spent per quarter; activation required)
- Cashback Match: New cardmembers get double the cash back earned in the first year (awarded at the end of the first year).
- Annual fee: $0
Chase Freedom Flex℠
- 5% cash back in categories that rotate every three months, often including Gas stations (up to $1,500 spent per quarter)
- 5% cash back on:
- Travel purchased through Chase Ultimate Rewards
- Lyft purchases (through March 2022)
- Grocery store purchases (not including Target or Walmart purchases; up to $12,000 spent in the first year)
- 3% cash back at:
- Restaurants
- Drugstores
- $200 bonus for spending $500 in the first 3 months
- Annual fee: $0
- Earn a $250 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
- 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 at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more). 1% Cash Back on other purchases.
- Low intro APR: 0% for 12 months on purchases from the date of account opening, then a variable rate, currently 13.99% to 23.99%.
- Plan It® gives the option to select purchases of $100 or more to split up into monthly payments with a fixed fee and no interest.
- Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.
- $95 Annual Fee
- Terms Apply.
American Express is a Credit Card Insider advertiser.
BEST PICK FOR
Balance Transfers
U.S. Bank Visa® Platinum Card
Details
securely on the issuer's website
When transferring a balance you typically want the longest possible 0% introductory APR period, and that’s what you’ll get from the U.S. Bank Visa® Platinum Card.
You’ll get the same intro period for purchases, and there isn’t much else to this card. But if you want to pay down a large existing balance over time at no interest, you should look no further.
- Citi Entertainment: Access to presale and preferred tickets to concerts, sporting events, dining experiences, and more.
- Say “representative” when you call: Speak with a customer support rep more quickly.
- Balance Transfer APR: 0% for 20 billing cycles, then 14.99%–24.99% Variable
- Purchase APR: 0% for 20 billing cycles, then 14.99%–24.99% Variable
- Annual fee: $0
Citi® Diamond Preferred® Card
- Balance Transfer APR: 0% for 18 months, then 14.74% – 24.74% (Variable)
- Purchase APR: 0% for 18 months, then 14.74% – 24.74% (Variable)
- Balance transfer fee: 3%, $5 minimum
- Annual fee: $0
Citi Simplicity® Card – No Late Fees Ever
- Balance Transfer APR: 0% for 18 months, then 14.74% - 24.74% (Variable)
- Purchase APR: 0% for 18 months, then 14.74% - 24.74% (Variable)
- Balance transfer fee: 3%, $5 minimum
- Annual fee: $0
Navy Federal Credit Union Platinum Card
- Purchase and balance transfer APR: 0% for 12 months, 5.99% - 18.00% Variable
- Balance transfer fee: None
- Balance transfer limit: $15,000
- Annual fee: $0
Citi® Double Cash Card – 18 month BT offer
- 2% cash back for every purchase
- Balance Transfer APR: 0% for 18 months on Balance Transfers, for transfers completed within 4 months, then 13.99% – 23.99% (Variable)
- Balance transfer fee: Balance transfer fee applies with this offer 3% of each balance transfer; $5 minimum
- Purchase APR: 13.99% – 23.99% (Variable)
- Annual fee: $0
- 0% introductory APR for 20 billing cycles on purchases and balance transfers, then 14.99%–24.99% Variable
- Savings at various retailers through Visa Discounts
- Travel and shopping protections
- Cell Phone Protection
- Free VantageScore based on your TransUnion credit report
- No annual fee
BEST PICK FOR
Business Rewards
The Business Platinum Card® from American Express (Review) is a business travel powerhouse, thanks to its unparalleled airport lounge access and hotel benefits. There are also some specific business perks like Dell credits and WeWork access, so explore the card to see if your company can actually use the major features.
Take note that you’ll earn 5X points on flights booked with airlines, but you’ll need to book through Amex Travel to earn that rewards rate on hotels. Some other cards are a bit more generous with their travel categories, like some of the runners up below and premium travel cards above.
- 5X Membership Rewards points per dollar on:
- Flights booked directly with airlines or through Amex Travel
- Prepaid hotels booked through Amex Travel
- 2X Membership Rewards points per dollar on other eligible travel expenses booked through Amex Travel
- 1.5X Membership Rewards points per dollar on purchases over $5,000, up to 1 million additional points per year (then 1X)
- 1X Membership Rewards point per dollar for every other purchase
- 75,000 bonus points for spending $15,000 in the first 3 months
- Global Lounge Collection: Complimentary access to Priority Pass, Centurion, American Express International, Delta Sky Club, Escape, Airspace, Lufthansa, and Plaza Premium Lounges
- Up to $200 in airline fee statement credits annually: Good for incidental costs like checked bags and inflight food, not tickets, at your selected airline
- Global Entry or TSA PreCheck application fee credit: A statement credit for the application fee of either Global Entry ($100 every four years) or TSA PreCheck ($85 every four-and-a-half years)
- Elite hotel statuses: Hilton Honors Gold status and Marriott Bonvoy Gold Elite status
- $200 Dell statement credit: Enroll to get an annual $200 statement credit for U.S. purchases with Dell: $100 from January through June, and $100 from July through December (COVID-19 update: Now get $200 in additional credits; $100 from 5/1/20–6/30/20, and $100 from 7/1/20–12/31/20).
- $320 wireless telephone & shipping credit: Get up to $320 in statement credits for wireless telephone services purchased directly from U.S. providers and U.S. purchases for shipping (up to $20 per month each, until 12/31/20).
- The Hotel Collection: A $100 hotel credit and room upgrades when available for every eligible two-night stay
- Point transfer: To a selection of airline and hotel partners
- No foreign transaction fees (Rates & Fees)
- Annual fee: $595
Ink Business Preferred® Credit Card
- 5X Ultimate Rewards points per dollar on Lyft rides
- 3X Ultimate Rewards points per dollar on the first $150,000 spent per year on Travel, Shipping, Internet, cable, and phone services, and Advertising purchases made with social media sites and search engines
- 100,000 bonus points for spending $15,000 in the first 3 months after account opening
- No foreign transaction fees
- Annual fee: $95
American Express® Business Gold Card
- 4X points per dollar in the two categories you spend the most in each month out of six, up to $150,000 spent annually
- 35,000 bonus points for spending $5,000 in the first 3 months
- No foreign transaction fees (Rates & Fees)
- Annual fee: $295
Capital One® Spark® Miles Select for Business
- 5X miles per dollar for:
- Hotels booked through Capital One Travel
- Rental cars booked through Capital One Travel
- 1.5X miles per dollar for every other purchase
- 20,000 miles for spending $3,000 in the first 3 months after account opening
- No foreign transaction fees
- Annual fee: $0
Capital One® Spark® Cash Select for Business
- 2% cash back for every purchase
- $500 cash back for spending $4,500 in the first 3 months
- No foreign transaction fees
- Annual fee: $0
The information related to The Business Platinum Card® from American Express has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.
What Are the Best Credit Cards for Good or Excellent Credit?
With good or excellent credit scores (a FICO score of 670 or higher) you’ll have a relatively easy time qualifying for credit cards. So you should start your search with top-notch reward and travel cards, along with cards for paying off expenses over time, like:
- Citi® Double Cash Card – 18 month BT offer (Review), for flat-rate cash back
- Chase Sapphire Reserve® (Review), for premium travel rewards
- Blue Cash Preferred® Card from American Express (Review), for great cash back rates on groceries and gas
- U.S. Bank Visa® Platinum Card, for a long time to pay off balance transfers
- The Business Platinum Card® from American Express (Review), for travel and business rewards
What Does It Mean to Have Good or Excellent Credit?
“Good or excellent credit” refers to a certain credit score range:
- 670 or above, for FICO
- 700 or above, for VantageScore
Different credit scoring models use different designations for “fair,” “good,” “excellent,” etc., so you may see some variation depending on where you look. (Want to check your credit scores? Learn how right here.)
Having good or excellent credit doesn’t just mean you may qualify for the best credit cards on the market; you may also qualify for lower interest rates, higher credit limits, and better terms on other loans and financial products, too.
For rates and fees of the American Express® Gold Card, please click here.
For rates and fees of the American Express Cash Magnet® Card, please click here.
For rates and fees of the Hilton Honors American Express Surpass® Card, please click here.
For rates and fees of the Blue Cash Preferred® Card from American Express, please click here.
For rates and fees of The Business Platinum Card® from American Express, please click here.
For rates and fees of the American Express® Business Gold Card, please click here.
For rates and fees of the Blue Cash Everyday® Card from American Express, please click here.
Credit Card Insider receives compensation from advertisers whose products may be mentioned on this page. Advertiser relationships do not affect card evaluations. Advertising partners do not edit or endorse our editorial content. Content is accurate to the best of our knowledge when it's published. Learn more in our Editorial Guidelines.
The information related to The Business Platinum Card® from American Express, Capital One® Quicksilver® Cash Rewards Credit Card, Capital One® Venture® Rewards Credit Card, Citi Premier℠ Card, Citi Prestige® Card, Discover it® Cash Back, Citi Simplicity® Card - No Late Fees Ever, American Express® Business Gold Card, Capital One® Spark® Miles Select for Business, and Capital One® Spark® Cash Select for Business have been collected by Credit Card Insider and have not been reviewed or provided by the issuer or provider of these products.
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