Good Credit Credit Cards - ApplyNowCredit.com

Good Credit - Credit Cards

Do you have good credit? If so, you won’t struggle to qualify for some of the best available credit cards. With good credit, you gain access to offers with: the lowest interest rates, no or low annual fee, robust rewards programs, and so much more. Thanks to your strong credit history, card issuers have confidence that you’ll act responsibly. This alone goes a long way in putting you on the right track, as you know that you’ll qualify for many offers. Below, we share information on some of the best credit cards for good credit.

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Good Credit

PayPal Cashback Mastercard®

Shop at millions of brands with PayPal to earn unlimited 3% cash back

  • Rating :
  • Credit Brand : Mastercard
  • Credit Needed : Fair - Excellent
  • Rewards : Earn 3% cash back on PayPal purchases and 1.5% everywhere else Mastercard is accepted
  • Annual Fee : $0.00
  • Regular APR : 19.24%, 30.99%, or 33.99% Variable, rates as of 3/1/25
  • Updated for : Sat 17 May 2025
  • More Details : View Card Page

Highlights

  • Earn 3% cash back on PayPal purchases and 1.5% everywhere else Mastercard is accepted. Purchases are subject to credit approval, and the PayPal Cashback Mastercard® must be used for payment. See Rewards Program Terms for details and eligibility criteria.
  • With the PayPal Cashback Mastercard, earn unlimited cash back at millions of merchants.
  • No restrictions. No rotating categories. No annual fee1.
  • Shop at millions of brands with PayPal to earn unlimited 3% cash back.
  • Earn rewards without the wait. Cash back is earned daily on completed purchases posted to your account. Redeem it to your PayPal balance, and spend it however you want. Important information on redeeming Cash Rewards: You need to have a PayPal Balance account to use your redeemed rewards in your balance. If you do not have that account, you can only transfer your Cash Rewards to your bank account or debit card linked to your account with PayPal.
  • Enjoy peace of mind with Mastercard benefits from Tap & Go® to 24/7 Identity Theft Protection™.
  • Applications are subject to credit approval. You must be at least 18 years old and reside in the US or its territories to apply.
  • 1See Terms and Rates for New Accounts
  • The Contactless Indicator mark, consisting of four graduating arcs, is a trademark owned by and used with permission of EMVCo, LLC.
  • The PayPal Cashback Mastercard is issued by Synchrony Bank pursuant to a license by Mastercard International Incorporated. Mastercard, Tap & Go and the circles design are registered trademarks of Mastercard International Incorporated.

Card Details Page

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Good Credit

Upgrade Life Rewards Visa®

$200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*

  • Rating :
  • Credit Brand : Visa
  • Credit Needed : Good to Excellent
  • Rewards : 3% unlimited cash back on Gas, Groceries, Health, Streaming, and Utilities and unlimited 1% cash back on all other purchases
  • Annual Fee : $0.00
  • Regular APR : 14.99% -29.99% APR
  • Updated for : Sat 17 May 2025
  • More Details : View Card Page

Highlights

    • $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*
    • 3% unlimited cash back on Gas, Groceries, Health, Streaming, and Utilities and unlimited 1% cash back on all other purchases
    • No annual fee
    • Pay no interest when you pay your full balance early**
    • Enjoy Visa Signature benefi ts, like Roadside Dispatch, Price Protection, Extended Warranty and more
    • Up to 10% cash back from your favorite brands with Upgrade Shopping
    • No touch payments with contactless technology built in
    • See if you qualify in seconds with no impact to your credit score
    • Great for everyday expenses and large purchases with predictable payments you can budget for
    • Mobile app to access your account anytime, anywhere
    • Use your card anywhere Visa is accepted

Relax knowing that you are protected in case of unauthorized transactions with Visa’s Zero Liability Policy

Welcome Bonus Disclosure: *To qualify for the welcome bonus, you must open and fund a new Rewards Checking Plus account through Upgrade and make 3 qualifying debit card transactions from your Rewards Checking Plus account within 60 days of the date the Rewards Checking Plus account is opened. If you have previously opened a checking account through Upgrade or do not open a Rewards Checking Plus account as part of this application process, you are not eligible for this welcome bonus off er. Your Upgrade Card and Rewards Checking Plus account must be open and in good standing to receive a bonus. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade Visa® Debit Card Agreement and Disclosures for more information. Welcome bonus off ers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking Plus account as a one-time payout credit within 60 days after meeting the conditions. This one-time bonus is available through this Upgrade Card off er and may not be available for other Upgrade Card offers.

EarlyPay Disclosure: **By paying off your statement balance in full by the EarlyPay payment date, which is two calendar days after your statement closing date, you will avoid daily interest on any new transactions until the following EarlyPay payment date. Refer to your Personal Credit Line Agreement for EarlyPay terms and information. If the balance is not paid in full by the EarlyPay payment date, daily interest will begin to accrue after the Early Pay payment date for past and new transactions. To maintain good standing on your account, you must make at least the required monthly payment by the monthly payment due date, which is 22 calendar days after the statement closing date. You may pay down your full balance at any time to stop further interest charges.

State Exclusions: DC, GA, IA, MA, WV, WI

Link to Rates and Terms: https://upgrade.zendesk.com/hc/en-us/articles/10219761084443-Upgrade-Life-Rewards-Card-Details

Card Details Page

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Good Credit

Upgrade Cash Rewards Visa®

Up to 10% cash back from your favorite brands with Upgrade Shopping

  • Rating :
  • Credit Brand : Visa
  • Credit Needed : Fair to Excellent
  • Rewards : 1.5% unlimited cash back on every purchase
  • Annual Fee : $0.00
  • Regular APR : 14.99% - 29.99% APR
  • Updated for : Sat 17 May 2025
  • More Details : View Card Page

Highlights

    • $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*
    • 1.5% unlimited cash back on every purchase
    • No annual fee
    • See if you qualify in seconds with no impact to your credit score
    • Combine the fl exibility of a card with the predictability of a personal loan
    • Enjoy Visa Signature benefi ts, like Roadside Dispatch, Price Protection, Extended Warranty Protection, and more
    • Up to 10% cash back from your favorite brands with Upgrade Shopping
    • Contactless payments with Apple Pay® and Google Wallet™
    • Mobile app to access your account anytime, anywhere
    • Use your card anywhere Visa is accepted

Relax knowing that you are protected in case of unauthorized transactions with Visa’s Zero Liability Policy

Welcome Bonus Disclosure: *To qualify for the welcome bonus, you must open and fund a new Rewards Checking Plus account through Upgrade and make 3 qualifying debit card transactions from your Rewards Checking Plus account within 60 days of the date the Rewards Checking Plus account is opened. If you have previously opened a checking account through Upgrade or do not open a Rewards Checking Plus account as part of this application process, you are not eligible for this welcome bonus off er. Your Upgrade Card and Rewards Checking Plus account must be open and in good standing to receive a bonus. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade Visa® Debit Card Agreement and Disclosures for more information. Welcome bonus off ers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking Plus account as a one-time payout credit within 60 days after meeting the conditions. This one-time bonus is available through this Upgrade Card off er and may not be available for other Upgrade Card offers.

State Exclusions: DC, GA, IA, MA, WV, WI

Link to Rates and Terms: https://upgrade.zendesk.com/hc/en-us/articles/20952319319067

Card Details Page

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Get Free Credit Score

Good Credit

Upgrade Triple Cash Rewards Visa®

See if you qualify in minutes without hurting your credit score

  • Rating :
  • Credit Brand : Visa
  • Credit Needed : Good/Excellent
  • Rewards : 3% unlimited cash back on every purchase in Home, Health, and Auto categories
  • Annual Fee : $0.00
  • Regular APR : 14.99% - 29.99% APR
  • Updated for : Sat 17 May 2025
  • More Details : View Card Page

Highlights

  • $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*
  • 3% unlimited cash back on every purchase in Home, Health, and Auto categories
  • No annual fee
  • Enjoy Visa Signature benefits, like Roadside Dispatch, Price Protection, Extended Warranty and more
  • Up to 10% cash back from your favorite brands with Upgrade Shopping
  • No touch payments with contactless technology built in
  • See if you qualify in seconds with no impact to your credit score
  • Great for large purchases with predictable payments you can budget for
  • Mobile app to access your account anytime, anywhere
  • Use your card anywhere Visa is accepted
  • Relax knowing that you are protected in case of unauthorized transactions with Visa’s Zero Liability Policy

Welcome Bonus Disclosure: *To qualify for the welcome bonus, you must open and fund a new Rewards Checking Plus account through Upgrade and make 3 qualifying debit card transactions from your Rewards Checking Plus account within 60 days of the date the Rewards Checking Plus account is opened. If you have previously opened a checking account through Upgrade or do not open a Rewards Checking Plus account as part of this application process, you are not eligible for this welcome bonus off er. Your Upgrade Card and Rewards Checking Plus account must be open and in good standing to receive a bonus. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade Visa® Debit Card Agreement and Disclosures for more information. Welcome bonus off ers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking Plus account as a one-time payout credit within 60 days after meeting the conditions. This one-time bonus is available through this Upgrade Card off er and may not be available for other Upgrade Card offers.

State Exclusions: DC, GA, IA, MA, WV, WI

Link to Rates and Terms: https://upgrade.zendesk.com/hc/en-us/articles/1260804318969-Upgrade-Triple-Cash-Back-Rewards-Details 

Card Details Page

Additional Resources

Top Credit Card Perks Associated with Excellent Credit

Credit Card Perks
According to Experian, an excellent or exceptional credit score falls between 800 and 850. While only 20 percent of consumers have an excellent score, if you’re lucky enough to reach this level it will provide you with a variety of financial benefits. This is particularly true when applying for a credit card. There are credit card offers designed for every type of consumer, regardless of credit score. For example, if you have poor credit, you can use a secured credit
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What are the Benefits of Cash Back Credit Cards?

Cash Back Credit Cards
Cash back Credit cards - As you begin your search for the perfect credit card, it makes sense to focus on those that give you something in return for using it. And that’s why cash back and rewards credit cards have become so popular over the years. Before you apply for cash back credit cards, it’s a good idea to compare the finer details of three to five offers. This gives you a solid overview of what’s available, thus helping
Continue Reading »

Do You Have Good Credit? Questions to Help You Choose the Right Card
If you have poor (under 580) or fair (580 to 669) credit, you typically have to take what you can get when applying for a credit card. In fact, you may even have to rely on a secured credit card (requires a cash deposit as collateral) until your score is high enough to obtain an unsecured credit card. Conversely, if you have good or excellent credit, there are many more offers to consider. Knowing what to look for will go
Continue Reading »

5 Ways to Turn Your Good Credit Into Excellent Credit

A good credit score is nothing to be embarrassed about. While you still have room to improve – with hopes of reaching very good or excellent status in the future – you’ve already made solid progress.
If you have the goal of turning your good credit score into an excellent credit score, there are some key steps you can take.

1. Pay Your Bills on Time

If you’re in the habit of doing so, stick with your plan. However, if you’ve missed some payments in the past, don’t continue down this path in the future. A missed or late payment will drag down your credit score, making it difficult to move into “excellent territory.”

2. Exercise Patience

Even though you want to improve your credit score as quickly as possible, it’s a process that requires patience and attention to detail.
The length of your credit history impacts your score, so stay the course and do all the right things over an extended period of time.

3. Review Your Credit Report

It’s common to pay so much attention to your credit score that you overlook your actual credit report. This is a big mistake, as an error on your report could drag down your score.
Get into the habit of reviewing your credit report at least once per year for errors. If you see something that doesn’t look right, contact the credit bureau to file a dispute. Removing bad data from your report can result in an immediate increase in your score.

4. Reduce Your Balances

Anything you can do to reduce your balances is something to strongly consider. For example, if you have a maxed out credit card, pay it down as quickly as possible. As your debt decreases you put yourself in position to experience a credit score increase. Just the same as your credit card, consider other forms of debt that you can payoff. This includes everything from home equity lines of credit to personal loans.

5. Limit Credit Applications

One hard inquiry after the next can ding your credit score, thus keeping you in the “good range” as you’re doing everything else possible to achieve an excellent score.
A hard inquiry can impact your score for up to one year, so you want to limit these at all costs. For example, this comes into play when you sign up for a store credit card or apply for an auto loan.

Conclusion

Turning your good credit score into an excellent credit score is easier said than done, but with the right approach you can reach your goal in the future.
It can take some time to achieve an excellent credit score, so don’t get frustrated if you don’t see immediate progress. Slow and steady wins the race!

Financial services disclosures

Credit Terms, Rates and Fees : Credit cards have APR rates and fees that you need to review before you sign on with a bank or lender. APR rates can range from 0% to 35.99%. Annual fees can range from $0.00 to $199.00. These financing costs will influence your decision if you anticipate using the card for single purchases or if you intend to carry a monthly balance. If you don’t make your timely required payments by the due date, financing costs increase and you’ll have to pay the credit issuer those fees plus your current balance. Please review the credit card applications for specifics into the terms, rates, fees and conditions. All credit card offers are displayed without guarantee. To affirm terms and conditions, tap the “Apply Now” to learn more about the credit offer on a secure page provided by the card issuer(s).

Terms & Offers

Advertisements which display guaranteed lines of credit for $500.00-$750.00 are exclusively for usage through online shopping retail stores, online auctions and/or online marketplace store websites. Please review full terms and conditions prior to applying for any line of credit. Credit limit offers displayed on advertisements are contingent on getting approved by the credit institution issuing the credit card or issuing the line of credit.

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