Credit Cards for Good Credit

Updated: Sep 29, 2020
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Search, compare, & apply online for Canadian Good credit credit cards.

Not all credit cards are made equal. In general, the better your credit score is, the better the credit cards you can get. Your credit score shows your financial stability, and lenders use it to determine if applicants are worthy of using their cards.

Credit cards for good credit are those cards that people in the credit score range from 700 to 750 can get. Of course, people with credit scores over 750 can qualify for these cards as well, but they have better, excellent credit, options available.

In general, these cards give you nice welcome bonuses, annual statements, 0% APR periods that last a long time, and hefty rewards. They are a good option to enjoy your good credit score while making it even higher.

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Editor's suggestion: Credit Cards for Good Credit - Nov 28, 2020

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Here’s what you need to know about these cards in general and what to expect from one.

Cards for Good Credit – Features

If you have a good credit score, you’ve probably been financially responsible in the past. Luckily, this score category isn’t that big, which means that you can get credit cards that will offer nice perks and help you quickly get into the excellent credit range.

With good credit, you can qualify for almost all of the cards out there. Some of them come with really nice benefits. Still, they aren’t quite as good as the cards you can get with an excellent credit. In a lot of cases, the margins are quite thin.

Big Rewards

These credit score cards are the ones that bring out the big guns. Their rewards usually range from around $200 to $1000.

But these cards come in many different forms. They can be collected every month, years, or when you’ve spent a certain amount.

Nice Bonuses

Some of the best bonuses go along with these cards. These bonuses can be double cash back features that last for a certain period.

They can come as points that you can redeem for money or rewards. Some offer free credit score monitoring and getting back the portion of the money you’ve spent.

0% Interest

Most of the credit cards you can qualify for with a better than average score offer a 0% APR for at least the first 12 months.

A lot of them offer 0% APR up to 15 or even 24 months. After these periods, the ongoing APRs are usually variable, and they range from 10% to about 25% in general.

No Annual Fees

Most of the best credit cards for this credit score have permanent $0 annual fees. Cards for fair credit don’t often come with $0 annual fees.

Even if they do, they make it up by adding additional expenses. That’s not the case with this type of cards.

Multiple Benefits

Cards for good credit are the category that really starts combining several benefits. They often combine 0% interest, big bonuses, rewards, and no annual fees.

All these benefits are valuable and aren’t just “cosmetic”. It allows cardholders to integrate the cards in their spending habits and get the most out of the benefits.

Cards for Good Credit – Pros

Cardholders can gain a lot from these cards. After all, these cards aren’t reserved for everyone. Here are some of the biggest pros of these cards.

You Can Make the Most Out of No-Interest days

The big interest-free periods offered by these cards makes them great for making big purchases. There are no interests pilling on if you can clear the balance completely.

In many cases, these cards don’t have interests in all kinds of transactions like payments, cash advances, and so on. These cards have long interest-free periods making them ideal for this kind of use.

They Let You Earn Points and Rewards Quickly

Rewards and points are typical for this category of cards. Users can earn rewards like cash back, points, free services, discounts, and much more.

For example, if you fly a lot, you can find a credit card that offers bonus flights through points and let you save money on your travels.

Climbing to the Excellent Credit Score Range

Everyone wants to have the best score they possibly can. These credit cards are best after the ones that require an excellent credit score to get.

Naturally, you would be best with one of these cards. They will give you great benefits and perks you can enjoy while climbing on the credit score ladder.

Cards for Good Credit – Cons

Even though credit cards that require a good credit score are really good, they also have some cons you need to be aware of.

You Can Interrupt Your Interest-Free Period

Yes, most of these cards have 0% interest periods, but with most of them, it’s possible to break them. If you don’t pay the closing balance, your promotion will end, and you will preemptively start your interest.

They Require Spending Them

These cards are built around a simple concept. If you use the card for payments, you will be able to reap these benefits. If not, you won’t feel them in any way.

People need to consider their payment and shopping habits before choosing a card. Getting the one that doesn’t fit in with your lifestyle won’t help you in any way.

There are thousands of different cards that require good credit. There are many options, and if you won’t have to settle for a card that isn’t ideal for you.

Should You Use Cards for Good Credit

If you have good credit and you’ve found a card that suits your spending habits, make sure to get it. In the long run, these cards pay for themselves through various benefits and rewards. At the same time, they can make your road to excellent credit as pleasant as possible.

Many credit card lenders will give you even better perks with their cards for good credit once you’ve entered the excellent credit score range.

Bottom Line

These cards are a great option if you have a good credit score. They offer lots of perks and can help you enjoy your payments like never before. Use them to save on your spending and reach an excellent credit score that will open up new financial opportunities.

Good Credit Card Offers Recap

Good Credit FAQs. What People Ask About Cards for Good Credit

Do these cards offer high credit limits?2020-08-31T22:37:19-07:00

Most of them do, and they give you the option to extend your limits. When you have a good credit score, you are in that category of people that are better from most in terms of credit responsibility. Lenders trust people with good credit and give them high credit limits.

What kind of cards for good credit are out there?2020-08-24T19:49:51-07:00

These are some of the most popular credit cards. Simply put, there are many options available. You can find 0% interest cards, cash back cards, travel credit cards, balance transfer offers, and much more.

No matter your needs and goals, you can find a quality card that will suit you. Any kind of credit card can fit into this category.

Which is the best good credit score card?2020-08-31T22:37:29-07:00

There isn’t a one-size-fits-all card, no matter what category we’re talking about. You need to assess your needs and what is the key selling point of a card. For example, if you like traveling, it’s best to look for cards that offer benefits like no foreign transaction fees, ticket bonuses, hotel discounts, and so on.

What are cards for good credit?2020-08-31T22:37:49-07:00

Cards for good credit means that people with a credit score from 700 to 750 can get them. These cards are some of the best out there in terms of the benefits they give.

Some lenders look at the credit score chart differently and give out tier cards for people with a score as low as 670. Before applying for a card, make sure to check the requirements.

When should I apply for this kind of card?2020-08-31T22:37:37-07:00

It all depends. First, make sure that you have the financial ability to use one properly. On the other hand, make sure to check what the requirements for a card are.

Improve your credit score as much as you can before applying, which is especially important if the lender does a hard credit check on the application.

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