Best Cards for Good Credit 2026

Strong mid-tier cards with competitive bonuses, accessible with good credit scores of 670-749. 36 cards requiring good credit (670-749) with $22,605+ in total sign-up bonus value.

Good Credit
670-749 FICO
American Express

American Express Business Gold

200,000 points
~$2,400 value
Spend Required$15,000 in 3 months
Annual Fee$375
Base Rewards1x on all purchases
4x on top 2 categories each month (up to $150k/yr)Categories: airfare, advertising, gas, shipping, computing, restaurants
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Chase

Ink Business Preferred

100,000 points
~$1,250 value
Spend Required$8,000 in 3 months
Annual Fee$95
Base Rewards1x on all purchases
3x travel3x shipping3x internet/cable/phone+1 more
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Capital One

Capital One Venture Rewards

75,000 miles
~$1,125 value
Spend Required$4,000 in 3 months
Annual Fee$95
Base Rewards2x on all purchases
5x hotels/rentals via Capital One Travel
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American Express

Delta SkyMiles Platinum Card

100,000 miles
~$1,100 value
Spend Required$4,000 in 6 months
Annual Fee$350
Base Rewards1x on all purchases
3x Delta2x restaurants2x groceries+1 more
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Chase

Chase Sapphire Preferred

70,000 points
~$1,050 value
Spend Required$4,000 in 3 months
Annual Fee$95
Base Rewards1x on all purchases
3x dining3x streaming2x travel+1 more
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Chase

World of Hyatt Credit Card

30,000 points
~$1,000 value
Spend Required$15,000 in 6 months
Annual Fee$95
Base Rewards1x on all purchases
4x Hyatt2x restaurants2x airline tickets+2 more
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Barclays

JetBlue Plus Card

80,000 points
~$960 value
Spend Required$1,000 in 3 months
Annual Fee$99
Base Rewards1x on all purchases
6x JetBlue2x restaurants2x groceries
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Citi

Citi AAdvantage Platinum Select

80,000 miles
~$960 value
Spend Required$2,500 in 3 months
Annual Fee$99(waived yr 1)
Base Rewards1x on all purchases
2x American Airlines2x restaurants2x gas+1 more
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Wells Fargo

Wells Fargo Autograph Card

60,000 points
~$900 value
Spend Required$1,000 in 3 months
Annual Fee$0
Base Rewards1x on all purchases
3x restaurants3x travel3x gas+2 more
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Wells Fargo

Wells Fargo Autograph Journey Card

60,000 points
~$900 value
Spend Required$4,000 in 3 months
Annual Fee$95
Base Rewards1x on all purchases
5x hotels4x airlines3x restaurants+1 more
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American Express

Delta SkyMiles Gold Card

70,000 miles
~$770 value
Spend Required$3,000 in 6 months
Annual Fee$0(waived yr 1)
Base Rewards1x on all purchases
2x Delta2x restaurants2x groceries
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Chase

Ink Business Unlimited

$750
~$750 value
Spend Required$6,000 in 3 months
Annual Fee$0
Base Rewards1.5% on all purchases
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Chase

Ink Business Cash

$750
~$750 value
Spend Required$6,000 in 3 months
Annual Fee$0
Base Rewards1% on all purchases
5% office supply stores (up to $25k/yr)5% internet/cable/phone (up to $25k/yr)2% gas (up to $25k/yr)+1 more
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American Express

American Express Gold Card

60,000 points
~$720 value
Spend Required$6,000 in 6 months
Annual Fee$250
Base Rewards1x on all purchases
4x restaurants4x groceries (up to $25k/yr)3x flights
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Chase

United Explorer Card

60,000 miles
~$720 value
Spend Required$3,000 in 3 months
Annual Fee$0(waived yr 1)
Base Rewards1x on all purchases
2x United2x dining2x hotels
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Barclays

AAdvantage Aviator Red

60,000 miles
~$720 value
Spend Required$1 in 3 months
Annual Fee$99
Base Rewards1x on all purchases
2x American Airlines
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Chase

Southwest Rapid Rewards Priority

50,000 points
~$700 value
Spend Required$3,000 in 3 months
Annual Fee$149
Base Rewards1x on all purchases
3x Southwest2x local transit/commuting2x internet/cable/streaming
Apply NowDetails
Chase

Marriott Bonvoy Boundless

85,000 points
~$680 value
Spend Required$3,000 in 3 months
Annual Fee$95
Base Rewards2x on all purchases
6x Marriott3x dining3x groceries
Apply NowDetails
American Express

Hilton Honors Surpass Card

130,000 points
~$650 value
Spend Required$3,000 in 6 months
Annual Fee$150
Base Rewards3x on all purchases
12x Hilton6x restaurants6x groceries+1 more
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Citi

Citi Premier Card

60,000 points
~$600 value
Spend Required$4,000 in 3 months
Annual Fee$95
Base Rewards1x on all purchases
3x restaurants3x supermarkets3x gas+2 more
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Chase

Marriott Bonvoy Bold

100,000 points
~$500 value
Spend Required$1,000 in 3 months
Annual Fee$0
Base Rewards1x on all purchases
3x Marriott2x groceries2x rideshare/food delivery+1 more
Apply NowDetails
American Express

Hilton Honors Card

80,000 points
~$400 value
Spend Required$2,000 in 6 months
Annual Fee$0
Base Rewards3x on all purchases
7x Hilton5x restaurants5x groceries+1 more
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American Express

Blue Cash Preferred Card

$350
~$350 value
Spend Required$3,000 in 6 months
Annual Fee$0(waived yr 1)
Base Rewards1% on all purchases
6% groceries (up to $6k/yr)6% streaming3% transit+1 more
Apply NowDetails
US Bank

US Bank Altitude Connect

20,000 points
~$300 value
Spend Required$1,000 in 3 months
Annual Fee$0
Base Rewards1x on all purchases
5x hotels/car rentals via Travel Center4x travel and gas/EV charging (up to $1k/quarter)2x dining+2 more
Apply NowDetails
Citi

Citi Custom Cash Card

20,000 points
~$200 value
Spend Required$1,500 in 3 months
Annual Fee$0
Base Rewards1% on all purchases
5% on top spending category (up to $500/month)
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Chase

Chase Freedom Unlimited

$200
~$200 value
Spend Required$500 in 3 months
Annual Fee$0
Base Rewards1.5% on all purchases
3% dining3% drugstores5% travel via Chase portal
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Capital One

Capital One SavorOne

$200
~$200 value
Spend Required$500 in 3 months
Annual Fee$0
Base Rewards1% on all purchases
3% dining3% entertainment3% streaming+2 more
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Chase

Chase Freedom Flex

$200
~$200 value
Spend Required$500 in 3 months
Annual Fee$0
Base Rewards1% on all purchases
5% rotating categories (quarterly)3% dining3% drugstores
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American Express

Blue Cash Everyday Card

$200
~$200 value
Spend Required$2,000 in 6 months
Annual Fee$0
Base Rewards1% on all purchases
3% groceries (up to $6k/yr)3% gas3% online retail
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Citi

Citi Double Cash Card

$200
~$200 value
Spend Required$1,500 in 6 months
Annual Fee$0
Base Rewards2% on all purchases (1% when you buy, 1% when you pay)
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Capital One

Capital One Quicksilver

$200
~$200 value
Spend Required$500 in 3 months
Annual Fee$0
Base Rewards1.5% on all purchases
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Bank of America

Bank of America Unlimited Cash Rewards

$200
~$200 value
Spend Required$1,000 in 3 months
Annual Fee$0
Base Rewards1.5% on all purchases
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Bank of America

Bank of America Customized Cash Rewards

$200
~$200 value
Spend Required$1,000 in 3 months
Annual Fee$0
Base Rewards1% on all purchases
3% on category of choice2% grocery/wholesale
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Wells Fargo

Wells Fargo Active Cash Card

$200
~$200 value
Spend Required$1,500 in 6 months
Annual Fee$0
Base Rewards2% on all purchases
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Discover

Discover it Miles

Cashback Match
~$200 value
Spend Required$0 in 12 months
Annual Fee$0
Base Rewards1.5x on all purchases
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Discover

Discover it Cash Back

Cashback Match
~$150 value
Spend Required$0 in 12 months
Annual Fee$0
Base Rewards1% on all purchases
5% rotating categories (quarterly, up to $1,500)
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Frequently Asked Questions

What credit score is considered good?

A good credit score falls between 670 and 749 on the FICO scale. This range qualifies you for many competitive credit cards, though some ultra-premium cards may require higher scores.

Can I get travel cards with good credit?

Yes, many travel cards approve applicants with good credit. Cards like the Chase Sapphire Preferred and Capital One Venture are accessible at the 670+ range, especially with a solid income and clean payment history.

How can I improve from good to excellent credit?

Keep credit utilization below 30% (ideally below 10%), make all payments on time, avoid opening too many accounts at once, and let your credit age increase. Most people can move from good to excellent within 6-12 months.