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If you have a credit score in the high 600s or low 700s, your credit rating is considered “good” — but not necessarily great. Having good credit typically means you can qualify for a credit card and for various loan products, but you may not receive the very best rates and terms.

If you have credit in this range and you’re looking for a credit card that could help you build more credit until you get your score where it needs to be, we’ve outlined the best options to consider.

Here are the cards you should have in the interim while building your good credit into excellent credit.

We’re focused here on the rewards and perks that come with each card. These cards won’t be worth it if you’re paying interest or late fees. When using a credit card, it’s important to pay your balance in full each month, make payments on time, and only spend what you can afford to pay.

Compare the best credit cards for good credit

The best credit cards for good credit reviews

Many of the best credit cards for good credit offer generous rewards and 0% introductory APR offers with no annual fee. 

Chase Freedom Flex℠

Why the Chase Freedom Flex is worth it: The Chase Freedom Flex℠ earns valuable Chase Ultimate Rewards® points in rotating bonus categories, as well as a great welcome bonus, for no annual fee. 

Welcome bonus: Earn $200 after spending $500 on purchases in the first three months from account opening. 

The Chase Freedom Flex℠ is one of the highest-earning no-annual-fee cards on the market.

Here’s what you’ll get:

• 5% cash back on travel purchased through the Chase Travel Portal
• 5% cash back on up to $1,500 in purchases each quarter (then 1%)  in rotating bonus categories when you activate
• 3% cash back on dining and drugstore purchases
• 1% cash back on everything else

Rotating bonus categories often include common purchases like supermarkets, gas stations, and even Amazon purchases. You should have no trouble maximizing these categories each quarter to earn $300 back each year.

While the Chase Freedom Flex℠ is marketed as a cash-back card, it technically earns Chase Ultimate Rewards points. For example, 5% cash back translates to 5 points per dollar. You can cash out these points at a rate of 1 cent each, or you can save them until you’ve got the credit you need to open one of the following cards:

• Chase Sapphire Preferred® Card
• Chase Sapphire Reserve®
• Ink Business Preferred® Credit Card

If you hold any of these cards, you can transfer the rewards you earn on the Chase Freedom Flex℠ to valuable airline and hotel partners like Hyatt, United Airlines, Southwest, and more.

Collecting points with this card is a great way to build your stash of travel rewards even before you have a proper travel credit card.

Review: Chase Freedom Flex review

Citi® Double Cash Card

Why the Citi Double Cash is worth it: The Citi® Double Cash Card earns flat-rate rewards on all purchases, with a $0 annual fee. Moreover, the card earns valuable Citi ThankYou points. It does not currently offer new cardholders a welcome bonus. 

The Citi® Double Cash Card is one of the simplest cards to use thanks to its consistent return rate: 1 point per dollar (1% back) after you make a purchase, and another 1 point per dollar (1% back) after you pay off your purchase. In other words, you’ll effectively earn 2x points (2% back) on everything with this card, with no rotating categories or merchant bonuses to worry about.

You can redeem Citi ThankYou points from the Citi® Double Cash Card for cash back, gift cards, and travel booked through Citi at a rate of 1 cent per point. You can also transfer rewards to a handful of partners, but if you also have the Citi Premier® Card or Citi Prestige® Card
(not available to new applicants), you can access all of Citi’s airline and hotel partners and potentially get more value from your Citi points.

Review: Citi Double Cash review

Ink Business Cash® Credit Card

Why the Ink Business Cash is worth it: The no-annual-fee Ink Business Cash® Credit Card has a huge new limit-time welcome bonus, high rewards-earning rates, and excellent perks. 

Welcome bonus: For a limited time, the card earns $900 bonus cash back after you spend $6,000 on purchases in the first three months from account opening. 

The Ink Business Cash® Credit Card and the Ink Business Unlimited® Credit Card are offering record-high new welcome bonuses. If you can manage that spending requirement, this business card is a winner. Just note that you must have a business to be eligible. Whether you run a coffee shop, drive for DoorDash or Uber, babysit, or do freelance work, you may qualify for this card.

Here’s what this $0 no-annual-fee card earns for spending:

• 5% cash back at office supply stores and on internet, cable, and phone services*
• 2% cash back at gas stations and restaurants*
• 1% cash back on all other eligible purchases

*On up to $25,000 in combined purchases each year, then 1% cash back.

This card earns Chase Ultimate Rewards points, not cash.

But similar to the Chase Freedom Flex℠, you’ll need one of the following cards to unlock the full potential of your rewards. Plus, the most valuable way to use your welcome points is to transfer them to one of these cards for better redemption options:

• Chase Sapphire Preferred® Card
• Chase Sapphire Reserve®
• Ink Business Preferred® Credit Card

One excellent and very useful perk that’s rare to see among no-annual-fee cards is primary car rental insurance (when renting for business purposes). When you waive the in-house rental agency’s CDW, you’ll be covered for damage or theft to the car, and you don’t even have to tell your personal insurance provider about it.

Review: Chase Ink Business Cash review

Capital One SavorOne Cash Rewards for Good Credit

Why the SavorOne Cash Rewards for Good Credit is worth it: The Capital One SavorOne Cash Rewards for Good Credit has high earning rates in popular bonus categories and the potential to convert rewards to valuable Capital One miles, for no annual fee. 

Welcome bonus: N/A

The no-annual-fee Capital One SavorOne Cash Rewards for Good Credit does not currently offer a welcome bonus. However, its strong return rates can make it enticing enough to open anyway:

• 10% cash back on Uber and Uber Eats purchases through November 14, 2024
• 8% cash back on Capital One Entertainment purchases and tickets at Vivid Seats (through January 31, 2023)
• 5% cash back on hotels and car rentals booked through Capital One Travel
• 3% cash back on dining, entertainment, and popular streaming services
• 3% cash back at grocery stores (excluding superstores like Walmart and Target)
• 1% back on all other purchases

You can redeem your cash back as either a check or a statement credit, and there’s no minimum redemption amount. But just like the cards before it, you can turn this cash back into significantly more valuable Capital One miles if you have one of the following cards:

• Capital One Venture X Rewards Credit Card
• Capital One Venture Rewards Credit Card
• Capital One VentureOne Rewards Credit Card
• Capital One Spark Miles for Business
  
• Capital One Spark Miles Select for Business

So while you’re biding your time and fostering your credit score, you can earn points for your travels (if that’s of interest to you).

With that, Savor and SavorOne cardholders also get a complimentary Uber One membership (through November 14, 2024). 

Review: Capital One SavorOne for Good Credit review

U.S. Bank Altitude® Connect Visa Signature® Card

Why the US Bank Altitude Connect Visa Signature Card is worth it: The U.S. Bank Altitude® Connect Visa Signature® Card has strong reward rates on travel and everyday spending categories and a large welcome bonus.

Welcome bonus: Earn 50,000 points after spending $2,000 in eligible purchases within the first 120 days from account opening. 

The U.S. Bank Altitude® Connect Visa Signature® Card is great for road warriors, as it’s got one of the highest returns at gas stations and EV charging stations of any card available — albeit for an annual fee of $0 intro for the first year, then $95. Here’s what you’ll get:

• 5x points on prepaid hotels and car rentals booked directly in the Altitude Rewards Center
• 4x points on travel and at gas stations (including EV charging stations)
• 2x points at grocery stores, grocery delivery, dining, and streaming services
• 1x point on all other eligible purchases

These points are worth 1 cent each, meaning you’ll effectively earn 4% back at gas stations. 

Review: US Bank Altitude Connect Visa Signature review

Citi Custom Cash℠ Card

Why the Citi Custom Cash is worth it: The no-annual-fee Citi Custom Cash℠ Card earns you 5% cash back on your top eligible spending category each billing cycle. Plus, you can earn a great welcome bonus and long intro APR on purchases and balance transfers. 

Welcome bonus: Earn $200 cash back, fulfilled as 20,000 ThankYou® Points, after you spend $1,500 on purchases in the first 6 months of account opening. 

The Citi Custom Cash℠ Card is unique in that it’s one of the few cards that bonuses your spending based on your usage. You’ll receive 5% cash back on up to $500 spent in your top eligible spending category each billing cycle (then 1%). And you’ll get 1% cash back on all other purchases.

Eligible spending categories include:

• Restaurants
• Gas stations
• Grocery stores
• Select travel
• Select transit
• Select streaming services
• Drugstores
• Home improvement stores
• Fitness clubs
• Live entertainment

Whichever category you spend the most in, the Citi Custom Cash℠ Card will automatically give you 5% back (again, up to $500 in spending) each billing cycle. If you were to max out this bonus each billing cycle, you’d receive $300 per year.

The Citi Custom Cash℠ Card has a 0% intro APR on balance transfers and purchases for 15 months (then a 18.24% – 28.24% Variable APR). 

This card’s rewards operate the same as the Citi® Double Cash Card. If you hold the Citi Premier® Card or Citi Prestige® Card (not available to new applicants), you can unlock more redemption opportunities by transferring rewards to the full range of Citi airline and hotel partners.

This is another strong earner for a $0 annual fee card.

Review: Citi Custom Cash card review

Credit cards for good credit frequently asked questions (FAQ)