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Credit Cards For People With Good Credit

Excellent credit rating

The cards in this section require a good to excellent credit rating for approval. There are many benefits to maintaining an excellent credit rating. The higher your credit rating, the lower the interest rate that you may be offered. For cards with 0% introductory APR's, applicants with higher credit ratings may be offered longer introductory periods.

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Citi® Platinum Select® MasterCard®
0% APR* on balance transfers and purchases for up to 12 months
  • Extra Cash from Citi: enjoy significant discounts on gift cards, travel, merchandise and more.
  • Citi® Identity Theft Solutions
  • $0 liability on unauthorized purchases
  • Secure, free online account management
  • Balance transfer fee applies with this offer
  • No annual fee
Intro Purchase APR
Intro Balance Trans. APR
APR as low as Annual Fee
0%* for up to 12 mo. 0%* for up to 12 mo. 11.99%* None
Click Here! Apply Here
Discover® MoreSM Card
  • 5% Cashback Bonus® in categories like travel, home, gas, restaurants, movies and more
  • 5% to 20% Cashback Bonus® at top retailers through our exclusive online shopping site
  • Up to 1% Cashback Bonus® on all other purchases automatically
  • Unlimited cash rewards
  • Increase, even double, your rewards when you redeem for gift cards from our 100 Cashback Bonus® Partners
  • 0% Intro APR for 6 months on purchases and balance transfers
  • No annual fee
Intro Purchase APR
Intro Balance Trans. APR
APR as low as Annual Fee
0% for 6 mo. 0% for 6 mo. 11.99%* None
Click Here! Apply Here
Miles by Discover® Card
  • 12,000 Bonus Miles* – 1,000 Miles each month you make a purchase for the first 12 months

  • Double Miles on up to $3,000 in travel and restaurant purchases each year
  • 1 Mile for every $1 on all your other purchases
  • Book any travel, anytime with no blackout dates or restrictions
  • Unlimited Miles that never expire*
  • Redeem for travel credits to your account, gift cards from any of our 70 brand-name Partners or cash starting at just 1,000 Miles
  • No annual fee
Intro Purchase APR
Intro Balance Trans. APR
APR as low as Annual Fee
0% for 6 mo. 0% for 6 mo. 11.99%* None
Click Here! Apply Here
Citi PremierPass® Card - Elite Level
  • 20,000 bonus points after $600 in purchases made within 3 months of account opening

  • Earn 2 points for every dollar spent on everyday purchases and 1 point for all other purchases*
  • Earn 1 point for every mile you fly on any airline*
  • Earn 1 point for every mile friends and family fly on tickets purchased with your card*
  • Get a complimentary companion ticket when you buy a qualifying ticket*
  • Balance transfer fee applies with this offer
  • See site for terms and conditions
Intro Purchase APR
Intro Balance Trans. APR
APR Annual Fee
None None 13.24% $75
Click Here! Apply Here
Discover® Open RoadSM Card
Save at the pump and everywhere else*
  • 0% Intro APR for 6 months on purchases, and 6 months on balance transfers
  • 5% Cashback Bonus® on gas and auto maintenance purchases
  • 5% to 20% Cashback Bonus® at top online retailers*
  • Up to 1% Cashback Bonus® on all other purchases
  • Unlimited cash rewards
  • Increase, even double, the value of your rewards when you redeem for gift cards from our 100 Cashback Bonus® Partners
  • No annual fee
Intro Purchase APR
Intro Balance Trans. APR
APR as low as Annual Fee
0% for 6 mo. 0% for 6 mo. 11.99%* None
Click Here! Apply Here
Simmons First Visa® Platinum
One of the lowest ongoing APRs in the nation
  • Fixed APR of 7.25%
  • No annual fee
  • Global acceptance
  • Travel insurance
  • Car rental loss/damage waiver covering collision, theft and vandalism
  • Emergency cash and credit card replacement
  • Card issued by Simmons First National Bank
Intro Purchase APR
Intro Balance Trans. APR
APR as low as Annual Fee
None None 7.25% None
Click Here! Apply Here
American Express® Preferred Rewards Gold Card
  • Earn 10,000 Membership Rewards® bonus points when you spend $500 in 3 months - redeemable for a $100 gift card

  • The Membership Rewards® program — Earn 1 Membership Rewards® point for virtually every dollar you spend and redeem for your choice of travel, shopping, and entertainment rewards
  • Gold Card Events — exclusive access to tickets for select concerts, shows, major sporting events, and more in cities nationwide
  • No pre-set spending limit
  • Express approval - get a decision in less than 60 seconds
  • No annual fee for the first year - $125 thereafter
Intro Purchase APR
Intro Balance Trans. APR
APR as low as Annual Fee
None None None $125*
Click Here! Apply Here
Platinum Credit Card
  • Earn 25,000 Membership Rewards® bonus points when you spend $1,000 in 3 months - redeemable for one round-trip domestic airline ticket

  • No pre-set spending limit
  • 24-hour access to concierge service for the finest experiences in dining, entertainment, and luxury
  • Fine Hotels & Resorts Program — exclusive amenities at boutique, resort, and luxury hotels around the world
  • By Invitation Only® Events — access to exclusive, once-in-a-lifetime events
  • Complimentary Airport Club Access
  • The Membership Rewards First® program - enjoy exclusive access to rewards and experiences featuring luxury retail, lifestyle, and world-class travel
Intro Purchase APR
Intro Balance Trans. APR
APR as low as Annual Fee
None None None $450
Click Here! Apply Here
Visa Black Card
  • Limited membership
  • 24-hour concierge service
  • Exclusive rewards program
  • Luxury gifts
  • Patent pending carbon graphite
  • Annual fee $495
Intro Purchase APR
Intro Balance Trans. APR
APR as low as Annual Fee
None 0% for 6* mo. 13.24% $495

Information About Credit Cards for People with Good Credit

When you apply for any type of credit, be it a credit card, a new mortgage, or a car loan, the lender will use your credit score to determine whether you qualify for a loan. And not only that, the rates and terms that govern the loan are also decided upon on the basis of your credit rating.

The higher your credit score, the more attractive you look to lenders and the better terms you will be offered. Credit scores run from 300 to 850; most people score between 600 and 800. For your credit rating to be considered excellent, your score needs to be above 720, but even if your score falls between 620 and 720, you still have a good credit rating.

Credit cards for people with excellent credit offer the most favorable interest rates and they also offer the best terms. For example, if you submit a credit card application for a 0 APR credit card, credit cards for good and excellent credit will typically give you the 0 APR for a longer introductory term. If you look through our section on credit cards for people with good credit, you might notice that in some cases, the same cards appear both in the section with Credit Cards for People with Good Credit and in the section with Credit Cards for People with Fair Credit. These credit cards use sliding scale APR's and different 0 APR periods, and this allows them to approve people with different credit levels.

Because of their lower rates and better terms, good credit credit cards can save you money over time. You will also save considerably on any mortgage or car loan you may take out, so it pays to keep your credit score high. To keep your score high, make sure you pay your bills on time, don't take out too much debt, and don't apply for new credit too frequently.

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