Best Credit Cards for Good Credit Scores in December 2022

The Chase Freedom Flex℠ offers the widest spread of benefits for a card that requires at least good credit and also has no annual fee. The cash-back categories make this a good card for domestic travel (keep in mind, this card does have foreign transaction fees) and dining, and the introductory APR credit card allows you to finance a large purchase comfortably. The rotating rewards category adds even more value, and covers a lot of common budget items. For October through December, you earn 5% cash back on Walmart and PayPal purchases, on up to $1,500 in combined purchases throughout the quarter.

Remember to manually activate the bonus rotating category through your online account. Chase doesn’t post the upcoming rewards categories until shortly before the new quarter begins.

For more information, see our full Chase Freedom Flex review.

This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

The BankAmericard® credit card gives cardholders 21 billing cycles to pay off a transferred balance at (see terms) introductory interest (then see terms variable APR). It provides the same amount of time for new purchases, but there are no rewards.

It’s one of – if not the – longest introductory APR periods available. It does charge a 3% balance transfer fee ($10 minimum), which is pretty standard across balance transfer credit cards. That makes it stand out among its competitors. Keep in mind you’ll need to make any balance transfers within 60 days of account opening to qualify for its low-interest offer.

There’s little to the card outside of that, but it presents one of the best choices for a balance transfer credit card if you’re looking to pay off some credit card debt.

For more information, see our full review of the BankAmericard credit card.

The Blue Cash Preferred® Card from American Express is a top choice if you have a credit score over 670 and want to earn maximum rewards on groceries and rewards on gas. Though there is a $95 annual fee ($0 intro annual fee for the first year), if you have a hefty grocery or gas bill it may be negligible, as these are some of the best cash-back rates you can earn on U.S. supermarket and U.S. gas station purchases. According to the Bureau of Labor Statistics, most American households’ grocery expenditure sits under the card’s $6,000 annual spending threshold for the U.S. supermarket rewards. You will only exceed this spending threshold if you average over $115 in groceries per week in a year. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.

See our full review of the Blue Cash Preferred Card for more details.

Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.

Good credit is a general term. Credit bureaus have various requirements to achieve what they define as “good” credit. For instance, FICO’s good credit score ranges from 670 to 739 out of a possible 300 to 850 points. FICO is one of the most popular scoring methods, but it’s not the only one. With VantageScore 4.0, another popular scoring model, your score must be between 661 and 780.

Creditors see prospective cardholders with good credit as lower risk. Individuals with a clean credit history are more likely to spend carefully and make payments on time and are less likely to default on their card balances. As a result, having good credit means you’re more likely to get approved for most credit cards at a lower interest rate and higher limit.

Getting a good credit score takes time. Everyone starts with no credit history and works their way up. You can start with a credit-building card or personal loan with a low credit limit and make payments on time. You can continue building credit by adding other credit cards or loans. Some of the factors that are used to rate your credit include payment history, overall credit available, utilization and age of your accounts. The longer you make thoughtful spending choices and keep your current accounts in good standing, the better your chances of achieving good credit.

Applying for a credit card is a bit of a gamble. There is no guarantee you’ll be approved, even if you have good credit. Your credit score could dip after a card application due to the hard inquiry on your credit report — even if you’re denied after applying.

The easiest card to get with a good credit score is an instant approval card that makes an immediate decision. Another option is a preapproved or prequalified credit card. Online prequalification lets you see whether you could be approved if you formally apply — without any commitment. Best of all, a prequalification won’t affect your credit score, so you can check risk-free to see if it’s worth applying.