Best credit cards for good credit of July 2023

A FICO Score between 670 and 739 generally qualifies as a “good” score. The “good” credit range for VantageScore is 661 to 780.

When you have good credit, you’ll have an easier time borrowing money. Lenders use credit scores and information found in your credit report to determine eligibility for financial products. If your credit history shows that you consistently pay your bills on time and don’t carry too much debt, you’re considered a low-risk debtor and are eligible for loans with better interest rates compared to someone who falls below the good credit range.

On top of qualifying for some of the best credit cards and loans, your responsible use of credit pays off in a number of other ways. You’ll have an easier time renting an apartment and you could also qualify for cheaper auto and homeowners insurance, depending on your location, compared to people with bad credit.

As your score inches into the good credit range, the breadth of credit card options in your reach expands. Some credit cards for good credit may be better than others, depending on the person, so here are a few types of consumers who would benefit most from these types of credit cards.

Still unsure if a credit card for good credit is right for you? Check out our Credit Card Spender Type Tool where you can get personalized credit card recommendations based on your credit score, spending habits and daily needs.

Having a good credit score is essential when applying for a new credit card, as it can help you get better interest rates, lower fees and better rewards and perks. However, getting a credit card for good credit could prove to be quite the task. With these tips, you’ll be able to find a card that fits your needs and will help you build an even better financial future.

1. Don’t apply for multiple cards at once. When it comes to maintaining a good credit history, it is important to be mindful of the cards you apply for. Applying for multiple cards at once can have a negative impact on your credit score, so it is best to take your time before applying. By doing this, you can make sure that you are not at risk of damaging your credit history.
2. Calculate your expected reward savings ahead of time. With the right rewards program, you can get an elevated points or mile value on your purchases that can be redeemed for travel, retail and more. By doing a little research and comparing how much points and miles are worth between cards, you can determine how much money you could save with reward earnings and how you can maximize the benefits that you receive from it. 
3. Don’t settle for a low credit limit. A higher credit limit means more financial flexibility and it can be beneficial in financial emergencies. It also gives you more breathing room when maintaining a good credit score. But make sure that your credit limit is high enough so your credit utilization stays low.

Knowing your credit score is an important step in maintaining good credit. Here are steps you should take to make sure your score is good when you need it, and stays good as you work to raise it. 

Have more questions for our credit cards editors? Feel free to send us an email, find us on Facebook, or Tweet us @Bankrate.

For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply

If you have good credit, you can qualify for some of the best cards on the market. Here are some resources to help you get more information about choosing a credit card and credit scores:

• Learn how to choose the right credit card for you.
• Want a better credit score than you have currently? Here’s some tips on how to improve your credit.