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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
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:
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
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.
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:
“Good or excellent credit” refers to a certain credit score range:
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 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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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.