Good Credit Cards: The Best Offers for Every FICO Score
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Finding good credit cards that fit your personal needs and your FICO score can be a challenge. As much as we’d all love to qualify for the best credit cards out there, not everyone has the credit score to pull it off. But regardless of whether your score is stellar or needs some serious work, it’s important to shop around for the card that will give you the best rewards and interest rate for your FICO score. Read on for our top credit card choices in every credit score range.
720+: Your credit score is excellent
Capital One® Venture® Rewards Credit Card
This is a great card for travel rewards, earning you 2 miles for every dollar spent––a 2% rewards rate if you redeem miles for travel. Capital One’s No Hassle Miles can be redeemed for nearly any travel expense. They don’t expire and there’s no cap on what you can earn. Unlike many travel cards, the Capital One® Venture® Rewards Credit Card gives you the flexibility to fly with any airline at any time, and you never have to worry about blackout dates.
Its annual fee is $0 intro for first year; $59 after that.
The Platinum Card® from American Express
The Platinum Card® from American Express is the cream of the crop, perfect for world travelers who enjoy luxury accommodations. Want to score $200 per year in airline fee refunds? Think you might enjoy exclusive upgrades at over 700 resorts, luxury hotels and boutiques worldwide? How about concierge service and expedited US immigration? The Platinum Card® from American Express offers all this, and more.
The card has a good signing promo: Earn 40,000 points after you spend $3,000 on purchases on your new Card in your first 3 months. The overall rewards rate is 1% on purchases, and the card has a $450 annual fee. But play your cards right, and it will more than pay you back.
690-719: Your credit score is good
Blue Cash Preferred® Card from American Express
The Blue Cash Preferred® Card from American Express gives its biggest rewards on “everyday” purchases like groceries and gas. The card offers 6% cash back at supermarkets (up to $6,000 spent per year) and 3% at select department stores and gas stations. Other purchases earn you a flat rate of 1%. And you can earn rewards on your purchases throughout the year.
The Blue Cash Preferred® Card from American Express has an annual fee of $75 and offers an APR deal. You’ll pay 0% for 15 months on purchases and balance transfers, and then the ongoing APR of 12.99% - 21.99% Variable .
The card offers great rewards in a wide variety of rotating bonus categories. Bonus categories change quarterly and include spending areas like dining, theaters, gas, and groceries. Cardholders earn 5% cash back in bonus categories and 1% on all other purchases. On top of this, shopping at select online retailers can earn you up to 10% cash back. The Chase Freedom® has an annual fee of $0.
630-689: Your credit score is average
Barclaycard® Rewards MasterCard®
The Barclaycard® Rewards MasterCard® offers 2 points per dollar spent on gas, groceries, and utility purchases and 1 point per dollar spent elsewhere. Points are worth $.01 apiece, and can be redeemed for cash back in the form of a statement credit. You’ll also get free access to your FICO score and the annual fee is $0.
629 or lower: Your credit score needs major repairs
Capital One® Secured MasterCard®
The Capital One® Secured MasterCard® allows you to access credit, even with a poor credit score. You can get up to a $3,000 line of credit with your refundable security deposit.
As time goes on, you may qualify for increases to your credit line without increasing your deposit. Your account activity is automatically reported to the 3 main credit bureaus.
The Capital One® Secured MasterCard® card has an annual fee of $0. Although there’s no rewards program, this card offers a good opportunity to work on bringing your credit score up, without being gouged with fees along the way.