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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.
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The information related to The Business Platinum Card® from American Express, American Express® Green Card, Hilton Honors American Express Aspire Card, American Express® Business Gold Card, Capital One Spark Miles for Business, Capital One Spark Miles Select for Business, American Express Blue Business Cash™ Card, Capital One Spark Cash for Business, U.S. Bank Business Cash Rewards World Elite™ Mastercard®, and U.S. Bank Business Leverage® Visa Signature® Card have been collected by Credit Card Insider and have not been reviewed or provided by the issuer or provider of these products.
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.
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.
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.
Earn 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®. Plus earn up to $50 in statement credits towards grocery store purchases.
2X points on dining at restaurants including eligible delivery services, takeout and dining out and travel & 1 point per dollar spent on all other purchases.
Get 25% more value when you redeem for travel through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories.
Get unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders over $12 for a minimum of one year with DashPass, DoorDash’s subscription service. Activate by 12/31/21.
Earn 2x total points on up to $1,000 in grocery store purchases per month from November 1, 2020 to April 30, 2021. Includes eligible pick-up and delivery services.
5X Membership Rewards points per dollar (starting 1/1/21, on up to $500,000 spent per calendar year) on:
Flights booked directly through airlines or through American Express Travel
Prepaid hotels booked through American Express Travel
2X Membership Rewards points per dollar on other eligible travel expenses booked through American Express Travel
1X Membership Rewards point per dollar on all other purchases
75,000 bonus points for spending $5,000 in the first 6 months; 10X points on eligible purchases at U.S. Gas Stations and U.S. Supermarkets, on up to $15,000 in combined purchases, in the first 6 months
Point transfer: Transfer your Membership Rewards points to a variety of airline and hotel partners, such as British Airways, Delta, Hilton, and Marriott.
$200 annual Uber credits: $15 in statement credits for Uber rides each month, except for December which gets $3
$100 annual Saks credit: Up to $100 in statement credits each year for Saks Fifth Avenue: $50 from January through June, and $50 from July through December
One-year Eats Pass: Enroll to get a complimentary Uber Eats membership for one year, which provides free delivery and 5% off restaurant orders over $15, and free delivery on grocery orders over $30 (through 2021).
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 once every four and a half years)
Elite hotel statuses: Hilton Honors Gold status and Marriott Bonvoy Gold Elite status
The Hotel Collection: A $100 hotel credit and room upgrades when available for every eligible two-night stay.
Earn 75,000 Membership Rewards® Points after you spend $5,000 on purchases on your new Card in your first 6 months of Card Membership.
Earn 10x points on eligible purchases on your new Card at U.S. Gas Stations and U.S. Supermarkets, on up to $15,000 in combined purchases, during your first 6 months of Card Membership. That’s an additional 9 points on top of the 1 point you earn for these purchases.
Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member and Additional Centurion Cards only.
Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel. Starting January 1, 2021, earn 5X points on up to $500,000 on these purchases per calendar year.
5X Membership Rewards® Points on prepaid hotels booked on amextravel.com.
Enjoy complimentary access to the Global Lounge Collection, the only credit card airport lounge access program that includes proprietary lounge locations around the world.
Receive complimentary benefits through American Express Travel with an average total value of $550 with Fine Hotels & Resorts® program at over 1,100 properties . Learn More.
Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue on your Platinum Card®. That’s up to $50 in statement credits semi-annually. Enrollment required.
$550 annual fee.
American Express is a Credit Card Insider advertiser.
$100 statement credit after spending $1,500 in purchase transactions within the first 90 days of account opening.
Earn 5 points on gas purchases at the pump.
Fuel purchases for airplanes and boats and made via inside store attendant receive 1 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
Digital wallet capable
Purchase variable rate as low as 13.49% APR
0% promotional rate for 12 months on balance transfers made between now and March 31, 2021. 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.
U.S. supermarkets (up to $6,000 spent annually, then 1%)
Select U.S. streaming services
3% cash back:
U.S. gas stations
1% cash back on all other purchases
$300 statement credit for spending $3,000 in the first 6 months
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.
$120 annual dining credit: Earn up to $10 in statement credits per month for purchases at eligible restaurants and food delivery services, like GrubHub, Seamless, Boxed, The Cheesecake Factory, and participating Shake Shack locations.
The Hotel Collection: Provides up to $100 in credits and room upgrades (when available) for every eligible hotel stay of two nights or more.
Up to $120 in Uber Cash: Add the Gold Card to the Uber App to get up to $10 in Uber Cash per month; U.S. Eats orders and rides only.
Uber Eats Pass: Get unlimited $0 delivery fees and 5% off orders at eligible restaurants for 12 months; must enroll by 12/31/21. Taxes and service fees may apply and do not count toward the order minimum. Eats Pass will start auto-billing 12 months from enrollment, at then-current monthly rate. Learn more.
Point transfer: To a selection of airline and hotel partners, like JetBlue, Southwest Airlines, Marriott, and Choice Privileges.
Amex Offers: Find significant discounts at a changing selection of merchants and websites, like (at the time of publication) Dropbox, Blue Apron, Sling, and many more (offers are limited; enrollment required).
Complimentary ShopRunner membership:ShopRunner provides free two-day shipping and returns at participating online retailers.
Rose Gold is back. You can now choose between Gold or Rose Gold.
Earn 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months.
Earn 4X Membership Rewards® Points on Restaurants worldwide, including takeout and delivery, plus, earn 4X points for Uber Eats purchases too.
Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
$120 Uber Cash: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
$120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruth’s Chris Steak House, Boxed, and participating Shake Shack locations. This can be an annual savings of up to $120. Enrollment required.
Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
No Foreign Transaction Fees.
Annual Fee is $250.
American Express is a Credit Card Insider advertiser.
0% Intro APR on purchases and balance transfers for 20 billing cycles. After that, a variable APR currently 14.49% – 24.49%.
Great offer from U.S. Bank, a 2020 World’s Most Ethical Company® – Ethisphere Institute, February 2021.
No Annual Fee*
Flexibility to choose a payment due date that fits your schedule.
Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your U.S.Bank Visa® Platinum Credit Card. Certain terms, conditions, and exclusions apply.
5X Membership Rewards points per dollar spent on flights and prepaid hotels on the American Express Travel website
1.5X Membership Rewards points per dollar spent on eligible purchases of $5,000 or more (an extra .5 points per dollar, up to 1 million extra points per year)
1X Membership Rewards point per dollar spent on all other purchases
85,000 bonus points for spending $15,000, plus 5X points in select categories up to 80,000 points per category, all in the first 3 months
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.
Earn 85,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Platinum Card plus earn 5x points on eligible purchases in 5 select business categories, up to 80,000 bonus points per category, all within the first 3 months of Card Membership. Terms Apply.
Get 50% more Membership Rewards® points. That’s an extra half point per dollar, on each eligible purchase of $5,000 or more. You can get up to 1 million additional points per year.
35% Airline Bonus: Use Membership Rewards® Pay with Points for all or part of a flight with your selected qualifying airline, and you can get 35% of the points back, up to 500,000 bonus points per calendar year when you book on amextravel.com.
Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com.
Enroll to get up to $200 in statement credits annually by getting up to $100 semi-annually for U.S. purchases with Dell. Terms apply.
PAY OVER TIME OPTION: A flexible payment option to help manage cash flow on purchases of $100 or more.
American Express is a Credit Card Insider advertiser.
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.
The Ink Business Preferred® Credit Card (Review) comes equipped with a great set of reward categories to cover many expenses of the modern small business. There’s a great intro bonus to get you started, and you can transfer the points to Chase Ultimate Rewards airline and hotel partners to use them where and how you see fit.
5X Ultimate Rewards points per dollar on Lyft rides (through March 2022)
3X Ultimate Rewards points per dollar on the first $150,000 spent per year on:
Internet, cable, and phone services
Advertising purchases made with social media sites and search engines
1X Ultimate Rewards point per dollar on all other purchases
100,000 bonus points for spending $15,000 in the first 3 months after account opening
Earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That’s $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®
Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring.
With Zero Liability you won’t be held responsible for unauthorized charges made with your card or account information.
Redeem points for cash back, gift cards, travel and more – your points don’t expire as long as your account is open
Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®
Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
$95 Annual Fee
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:
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 Blue Business Cash™ Card, please click here.
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 Aspire 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 Platinum Card® from American Express, 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.
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