Credit Cards » Compare Credit Cards » Best Credit Cards for Good Credit of July 2022
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Best Credit Cards for Good Credit of July 2022

Credit cards for good credit have attractive benefits such as long 0% APR intro, $0 annual fees, and higher rewards & credit limits.
Author: Lorraine Smithills
Lorraine Smithills

Writer, Contributor

Experience

Lorraine is a freelance finance writer with years of experience in the banking sector. She has a passion for helping people with less financial confidence to get control of their money through budgeting, saving, and responsible credit practices.

Review & Fact Check: Baruch Mann (Silvermann)

Lorraine Smithills

Writer, Contributor

Experience

Lorraine is a freelance finance writer with years of experience in the banking sector. She has a passion for helping people with less financial confidence to get control of their money through budgeting, saving, and responsible credit practices.
Author: Lorraine Smithills
Lorraine Smithills

Writer, Contributor

Experience

Lorraine is a freelance finance writer with years of experience in the banking sector. She has a passion for helping people with less financial confidence to get control of their money through budgeting, saving, and responsible credit practices.

Review & Fact Check: Baruch Mann (Silvermann)

Baruch Mann (Silvermann)

Financial Expert, The Smart Investor CEO

Experience

Baruch Mann (Silvermann) is a financial expert and founder of The Smart Investor. Above all, he is passionate about teaching people how to manage their money and helping millions on their journey to a better financial future.

You can trust the integrity of our unbiased, independent editorial staff. We may, however, receive compensation from the issuers of some products mentioned in this article. See how we make money.

A credit score of over 700 puts you in the good to excellent credit score range. Credit cards for good credit have attractive features and benefits such as 0% APR for the first few months, higher rewards, $0 annual fees, and higher credit limits.

If you have good credit, you will be spoilt for choice with the number of credit card issuers who want your business. With the different options to consider, you should take some time to find the card that suits your needs.

Here are The Smart Investor Select’s picks for the best credit cards for good credit in 2022:

The Amex EveryDay® Credit Card

American express everyday card review 2021

Rates & Fees, Terms Apply

The Amex EveryDay® Credit Card

Reward details

1X – 2X points 2X at U.S. supermarkets (up to $6,000 each year), then 1x on all purchases

Current Offer

10,000 points 10,000 points after you spend $1,000 in purchases on your new card within the first 3 months

Credit Rating

Good – Excellent

Annual Fee

$0

0% Intro

15 months on purchases

APR

14.49% – 25.49% variable

Rates & Fees, Terms Apply

The Amex EveryDay® Credit Card is a very good option among rewards cards for individuals that rank up spending at the grocery checkout and gas pump. The Everyday card offers 2X at U.S. supermarkets (up to $6,000 each year), then 1x on all purchases . Terms Apply.

It also offers a nice welcome bonus - 10,000 points after you spend $1,000 in purchases on your new card within the first 3 months. Lastly, you'll enjoy 0% intro for 15 months on purchases , so if you plan a big purchase - it's another reason to consider this card.

  • APR: 14.49% - 25.49% variable
  • Annual fee: $0
  • Balance Transfer Fee: N/A
  • Foreign Transaction Fee: 2.7%
  • Rewards Plan: 2X at U.S. supermarkets (up to $6,000 each year), then 1x on all purchases . Terms Apply.
  • Welcome Bonus: 10,000 points after you spend $1,000 in purchases on your new card within the first 3 months
  • 0% APR Introductory Rate period: 15 months on purchases
  • Welcome Bonus
  • Rewards Plan
  • No Annual Fee
  • 0% APR Introductory
  • No Balance Transfer Fee
  • Foreign Transaction Fee
  • Variations in Reward Points’ Worth
  • Cap on higher cashback rewards
  • Not as Widely Accepted as Other Cards

  • Is there a limit to cash back? You can get the premium cashback rate on groceries until you have annual purchases in this area of $6,000. The rate then goes to 1%.
  • Can I get car rental insurance with Amex Everyday CardYes, you will get this insurance if you refuse the car rental company’s insurance coverage and you pay for the entire cost of the rental with this card.
  • Can I get pre-approved? Yes, you can get pre-approval.
  • What is the initial credit limit? It will be at least $1,000 and usually greater.
  •  How do I redeem cash back? The rewards will be credited to you in the form of a statement credit.
  •  What purchases don't earn cash back? All purchases currently will earn some level of cashback with this card.
  • Should You Move to Amex Everyday Card? If you are looking for a good all-round card that has some solid rewards and no annual fee.
  •  Why did Amex deny me? What to Do Next? You might not have met some requirements. You can ask the customer support team where your application failed and seek a remedy to this situation.
  • How to maximize rewards on Amex Everyday Card? Take advantage of the welcome bonus and make sure that you know what selected stores are eligible for the premium cashback rates.
  •  Top reasons NOT to get the Everyday Card? You spend enough on the likes of groceries that mean you will benefit from the Preferred card more than the Everyday card.

Discover it® Cash Back

On Discover Website, Terms Apply

Discover it® Cash Back

Reward details

5% cashback on up to $1,500 in rotating category purchases each quarter when you activate the bonus category (then 1%), as well 1% percent cash back on all other purchases
1-5%

Current Offer

unlimited dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically
Match Bonus for the first 12 months

Credit Rating

Good – Excellent

Annual Fee

$0

0% Intro

14 months on purchases and balance transfers

APR

12.24% – 23.24% variable

On Discover Secure Website, Terms Apply

The Discover it® Cash Back is one of our favorites and another great option for good credit customers, mainly due to its high flexibility. This card offers a very high rewards rate on some categories that rotate every few months.

The card gives a 5% cashback on up to $1,500 in rotating category purchases each quarter when you activate the bonus category (then 1%), as well 1% percent cash back on all other purchases. Some of the categories include; restaurant, gas station, online shopping and many more each time you activate them. However, on all other purchases, excluding the ones in the category selected, you will only receive a 1% cashback.

The Discover it® Cash Back also offers 14 months on purchases and balance transfers and a great sign up bonus. This card is best for individuals who understand their spending habits and want to leverage the high reward rate the card offers, or those who plan a big purchase in the next couple of months.

  • Rewards Plan: 5% cashback on up to $1,500 in rotating category purchases each quarter when you activate the bonus category (then 1%), as well 1% percent cash back on all other purchases
  • APR: 12.24% - 23.24% variable
  • Annual fee: $0
  • Balance Transfer Fee: 5%
  • Foreign Transaction Fee: 0%
  • Sign Up bonus: unlimited dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically
  • 0% APR Introductory Rate period: 14 months on purchases and balance transfers
 
  • 0% Intro APR Period
  • High Cash Back for Select Spending Categories
  • Matches Cash Back in the First 12 Months
  • No Annual Fee
  • Limit on Cash Back Spending Per Quarter
  • Keeping Track of Bonus Categories
  • Less Merchant Acceptance
  • Balance Transfer Fee

  • What are the cash-back rewards limit? There is a $1,500 cap on purchases each quarter that allows you to get the bonus cashback rates. Otherwise, no cap.
  • Does Discover it Cash Back ask for proof of income? No out and out request for proof of income and no transparent income requirements.
  • Does card rewards points expire? No expiry date for these points.
  • Can I get pre-approved on card Discover it Cash BackYes, you can get pre-approval.
  • What is the initial credit limit of card Discover it Cash Back Card? The minimum credit limit will be $300.
  • How do I redeem cash back? You can get the rewards in the form of cash, statement credit, or gift cards.
  • What purchases don't earn cash back ? All purchases will earn cashback.
  • Should You Move to Discover it Cash Back Card? If you want to get good rewards from bonus categories and want access to a good signup offer.
  • Why did Discover deny me? What to Do Next? You might not have met all of the requirements. You can enquire as to where your application fell short. If you cannot proceed, you can look at some of the other available options.

U.S. Bank Altitude® Go Visa Signature®

U.S. Bank Altitude® Go Visa Signature® Card

On U.S Bank Website, Terms Apply

U.S. Bank Altitude® Go Visa Signature®

Reward Details

Up to 4X points 4x points at restaurants, take-outs & deliveries, 2x points at supermarkets, gas stations & streaming servicesm and 1 point for 1 dollar on all other purchases

Current Offer

20,000 points 20,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening

Credit Rating

Good – Excellent

Annual Fee

$0

0% Intro

12 billing cycles on purchases and balance transfers

APR

14.99% – 23.99% variable

On U.S Bank Website, Terms Apply

The U.S. Bank Altitude® Go Visa Signature® Card is extremely beneficial to both new and existing customers.

Cardholders can earn 4x points at restaurants, take-outs & deliveries, 2x points at supermarkets, gas stations & streaming servicesm and 1 point for 1 dollar on all other purchases These points have no expiration date and can be redeemed whenever the account is open. When you reach 2,500 points, you can either redeem them as statement credits or request that they be deposited into your account.

On purchases and balance transfers, there is a 0% introductory APR for 12 billing cycles on purchases and balance transfers, followed by a variable APR ranging from 14.99% - 23.99% variable. Finally, there are no annual fees or charges for shopping from international merchants because both are set at zero dollars.

  • APR: 14.99% - 23.99% variable
  • Annual fee: $0
  • Balance Transfer Fee: 3%
  • Foreign Transaction Fee: None
  • Rewards Plan: 4x points at restaurants, take-outs & deliveries, 2x points at supermarkets, gas stations & streaming servicesm and 1 point for 1 dollar on all other purchases
  • Sign Up bonus: 20,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening
  • 0% APR Introductory Rate period: 12 billing cycles on purchases and balance transfers
  • High Rewards Rate & Sign Up Bonus
  • No Annual Fee
  • 0% Intro
  • No Points Expiration
  • High Credit Needed

How much is 10,000 points worth?

Points are available on the Altitude Go, and they are typically worth 1.5 cents each. This means that depending on your redemption method, 10,000 points could be worth $150.

Is it good credit card?

Given that the card has no  annual fee, it provides some decent rewards. They are worth serious consideration if you are looking for an everyday card without having to worry about hefty annual fees.

Does the altitude card offer pre approval?

Pre-approval is available at US Bank, but only for offers received via email or mail. Furthermore, if you are an existing customer, you may receive a pre-approved offer via your online account. There is no online tool for interested potential customers to use to check the status of their pre-approval. When you complete the online application form, you are submitting a complete application, which will include a hard credit pull.

What are the card income requirements?

The Altitude Go card requires excellent credit, but one of the most important factors for U.S Bank is your credit rating rather than your income status. 

Do the reward points expire?

You don’t need to worry about expiry dates.  U.S Bank clearly states that the points for the Altitude Go card never expire.

 

SoFi Credit Card

SoFiCreditCard

On SoFi Website, Terms Apply

SoFi Credit Card

Reward details

Up to 3% cash back 3% cash back rewards for a year when you set up direct deposit with SoFi. After that, earn 2% unlimited cash back on purchases when redeemed toward investing, saving, or paying down an eligible loan with SoFi

Current Offer

Up to $200 up to $200 when you fund an invest account as well as a checking and savings account

Credit Rating

Good – Excellent

Annual Fee

$0

0% Intro

None

APR

12.99% – 24.99% Variable

On SoFi Website, Terms Apply

The SoFi credit card is a straightforward card that offers 3% cash back rewards for a year when you set up direct deposit with SoFi. After that, earn 2% unlimited cash back on purchases when redeemed toward investing, saving, or paying down an eligible loan with SoFi, but it is designed slightly differently than other cards with comparable rewards. There are no foreign transaction fees or annual fees with this card.

You can save your cash back rewards and use them to save, invest, or pay off a SoFi loan. While you don't have to be a SoFi customer to get the best rewards, this makes the card an appealing option for those who already have SoFi accounts.

Because the SoFi credit card is a Mastercard, it includes additional benefits such as discounts from participating merchants and up to $1,000 in cell phone protection.

  • Rewards Plan: 3% cash back rewards for a year when you set up direct deposit with SoFi. After that, earn 2% unlimited cash back on purchases when redeemed toward investing, saving, or paying down an eligible loan with SoFi
  • APR: 12.99% - 24.99% Variable
  • Annual fee: $0
  • Balance Transfer Fee: $10 or 5% (whichever is higher)
  • Foreign Transaction Fee: $0
  • Sign Up bonus: up to $200 when you fund an invest account as well as a checking and savings account
  • 0% APR Introductory Rate: None
  • Encourage Savings
  • Unlimited Cash Back
  • Innovative App
  • No Foreign Transaction Fee
  • Average Cashback
  • Balance Transfer Fee

Capital One Quicksilver

On Capital One Website, Terms Apply

Capital One Quicksilver

Reward details

Unlimited 1.5% 1.5% cash back on all purchases

Current Offer

$250 $200 cash bonus once you spend $500 on purchases within 3 months from account opening

Credit Rating

Good – Excellent

Annual Fee

$0

0% Intro

15 months on balance transfers and purchases

APR

14.99% – 24.99% variable

On Capital One Website, Terms Apply

The capital one quicksilver card is a  good choice for individuals who have good credit score and either don’t like to spend too much in just one budget category or individuals that prefer one reward rate than multiple rates.  The Capital One Quicksilver offers 1.5% cash back on all purchases.  This cashback rate is not the highest in the market, but card do not charge any annual fee, and it has a nice welcome bonus of $200 cash bonus once you spend $500 on purchases within 3 months from account opening.

Lastly, the card offers 0% intro APR for 15 months on balance transfers and purchases (14.99% - 24.99% variable after that).  Some of the benefits individuals can derive from using this card include; no foreign transaction fees, travel accident insurance, secondary car rental insurance and 24-hour travel assistance services.

  • Rewards Plan: 1.5% cash back on all purchases
  • APR: 14.99% - 24.99% variable
  • Annual fee: $0
  • Balance Transfer Fee: 3%
  • Foreign Transaction Fee: None
  • Sign Up bonus: $200 cash bonus once you spend $500 on purchases within 3 months from account opening
  • 0% APR Introductory Rate period: 15 months on balance transfers and purchases
  • Sign-Up Bonus
  • Flat Cashback Rewards Rate
  • No Annual Fee or Foreign Transaction fee
  • Intro APR on Purchases & Balance Transfers
  • No Bonus Rewards Categories
  • Cashback Rate Could Be Better
  • Requires Good/Excellent Credit

  • Can I get car rental insurance with Quicksilver CardYes, once you refuse the insurance offered by the rental company you will automatically get coverage if you fund the entire purchase through this card.
  • What are Quicksilver Card income requirements? Capital One often required monthly income to be at least $800. Sometimes, you will need to show some proof of income.
  • Can I get pre-approvedYes, you can get pre-approval.
  • What is the initial credit limit? You will normally get a credit limit of at least $5,000.
  •  How do I redeem cash back? For the Quicksilver cashback rewards, you are able to get a check, as statement credit, or redeem them with certain retailers.
  •  What purchases don't earn cash back? All purchases are covered.
  •  Should You Move to Quicksilver CardIf you want consistency across all types of purchases or need to fill some gaps thrown up by other cards.
  • How to Use Quicksilver card Benefits? Use it to fill the gap where your other credit cards fall short. If you want to have ultimate ease of use thanks to the consistency across all types of purchases.
  •  What are the top Reasons NOT to get the Quicksilver Card? If you are looking to get higher cashback rewards for certain categories.

Chase Freedom Flex℠ Card

Chase Freedom Flex

On Chase Website, Terms Apply

Chase Freedom Flex℠ Card

Reward details

1-5%

Current Offer

$200

Credit Rating

Good – Excellent

Annual Fee

$0

0% Intro

15 months on purchases and balance transfers

APR

15.74% – 24.49% variable

On Chase Secure Website, Terms Apply

If you have a high credit score and want a card to capture your spending habits with no extra cost. The Chase Freedom Flex℠ Card has a $0 annual fee, and you can earn 5% cash back on up to $1,500 in combined purchases on selected categories each quarter and 5% cash back on travel purchased through Chase Ultimate Rewards®. Also, you can earn 3% cash back on dining at restaurants (including takeout and eligible delivery services), drugstore purchases , and 1% on all other purchases.

The sign up bonus includes $200 bonus after you spend $500 on purchases in the first 3 months from account opening.

 

  • Rewards Plan:
  • APR: 15.74% – 24.49% variable
  • Annual fee: $0
  • Balance Transfer Fee: $5 or 5% (the greater)
  • Foreign Transaction Fee: 3%
  • Sign Up bonus:
  • 0% APR Introductory Rate period: 15 months on purchases and balance transfers
  • Sign Up Bonus
  • No Annual Fee
  • 0% Intro APR 
  • Protection & Free Credit Score
  • Higher cashback Bonuses has a Cap
  • Balance Transfer Fee
  • Foreign Transaction Fee

  • Is there a limit to cashback? There is a cap on the bonus categories whereby it will cover up to $1,500 of relevant purchases per quarter.
  •  Can I get car rental insurance with a Chase Freedom Flex card? Yes, when you rent the car and pay for all of it with this card and do not accept coverage from the rental company.
  •  What are Chase Freedom Flex card income requirements? No specific income requirements and it does not usually ask for proof of income requirements.
  • Does card Chase Freedom Flex offer pre approval? Yes, you can get pre-approval.
  • What is the initial credit limit of the Freedom Flex? The initial credit limit varies, but can often be between $300 and $1,000. The average limit for this card is $3,000.
  • How do I redeem cashback? You go to the Ultimate Rewards section that Chase offers and you can choose between the options as to how you utilize the rewards.
  • What purchases don't earn cashback? All purchases earn cashback with this card.
  • Should You Move to Chase Freedom Flex card?  This is a good fit for people who are looking for good cashback rates, as well as getting access to quarterly bonus categories for enhanced rates.
  • How hard is it to get it? It is not very hard to get this type of card once you meet all of the straightforward requirements.
  • How to maximize rewards on Chase Freedom Flex card? You go to the Ultimate Rewards section that Chase offers and you can choose between the options as to how you utilize the rewards. To maximize rewards, you should make sure that you take advantage of the bonus categories and leave the other types of purchases that are not covered by an enhanced rate to another card. This is because you will only get 1% cashback on non-covered purchases.
  • Top Reasons NOT to get the Chase Freedom Flex card? If you make a lot of purchases not covered by the respective categories and will only get 1% cashback on them. You may also travel a lot and not want to pay the 3% foreign exchange transaction charge that comes with this card.