Good Credit Credit Cards - ApplyNowCredit.com

Credit Cards for Good Credit

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.

Good Credit

Reflex Mastercard®

See if you’re Pre-Qualified with no impact to your credit score

Rating

Credit Brand Mastercard
Credit Needed

Fair Credit

Annual Fee

see terms

Regular Purchase APR

25.90% - 29.99%

Rewards

N/A

Good Credit

Surge Mastercard® Credit Card

See if you’re Pre-Qualified without impacting your credit score

Rating

Credit Brand Mastercard
Credit Needed

Bad Credit

Annual Fee

see terms

Regular Purchase APR

25.90% - 29.99%

Rewards

N/A

Good Credit

Indigo® Platinum Mastercard® Credit Card

Rating

Credit Brand Mastercard
Credit Needed

Poor Credit

Annual Fee

$0 - $99

Regular Purchase APR

24.9%

Rewards

N/A

Good Credit

Milestone Gold Mastercard®

Rating

Credit Brand Mastercard
Credit Needed

Fair Credit

Annual Fee

$35 - $99*

Regular Purchase APR

24.9%

Rewards

n/a

Good Credit

Milestone® Mastercard® – Mobile Access to Your Account

Rating

Credit Brand Mastercard
Credit Needed

Fair Credit

Annual Fee

$35 - $99

Regular Purchase APR

24.9%

Rewards

N/A

Good Credit

Indigo® Platinum Mastercard®

Rating

Credit Brand Mastercard
Credit Needed

Good Credit

Annual Fee

$0 - $99

Regular Purchase APR

24.9%

Rewards

N/A

Good Credit

Net First Platinum

Instant Approval / $500 Credit Line!

Rating

Credit Brand Other
Credit Needed

Limited Credit

Annual Fee

see terms

Regular Purchase APR

0.00%

Rewards

N/A

Good Credit

Upgrade Card

Upgrade Card with Personal Credit Line

Rating

Credit Brand Visa
Credit Needed

Fair Credit

Annual Fee

$0.00

Regular Purchase APR

6.99%-29.99% APR

Rewards

n/a

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!

General Disclaimer

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Editorial Note

Our team of editors rate credit card offers unbiasedly in light of the components the credit card offers purchasers, expenses, financing costs, and how a credit card is related by category. The evaluations are the master supposition of our editors, and not affected by any compensation this site gets from the credit card issuer(s).