If you have good credit, there are many great credit card options available to you. In this article, we will discuss the best credit cards for good credit in 2022. We will cover a variety of different types of cards, so you can find the perfect one for your needs. Whether you are looking for a rewards card or a card with low interest rates, we have you covered!
Best Credit Cards for Good Credit in 2022 Table of Contents
What is Good Credit?
Good credit is typically defined as a FICO® Score of 670 or higher. FICO® Scores range from 300-850, and the higher your score, the better your credit. A score of 670 or above is considered good credit, while a score of 800 or above is considered excellent credit.
If you have good credit, you’re in luck. There are a number of great credit cards available to you with plenty of perks and rewards. Here are our picks for the best credit cards for good credit in 2022.
The best thing about these cards is that they all come with 0% APR introductory periods on purchases and balance transfers. This means that you can carry a balance on your card without accruing any interest.
How Can I Check My Credit Score?
If you’re not sure where your credit stands, you can check your credit score for free using websites like Credit Sesame. Simply sign up and log in to see your score and credit report card, which includes information on your payment history, credit utilization, debt-to-income ratio, and more. You can also get personalized tips on how to improve your credit. Checking your own credit score won’t impact your credit rating, so it’s a good idea to do so regularly.
What Are The Best Credit Cards for Good Credit?
There are a few key factors to look for when searching for the best credit cards for good credit. These include:
- A low interest rate: This is important because it will save you money on interest payments in the long run.
- A reasonable annual fee: You don’t want to pay an annual fee that’s too high, but you also don’t want a card with no annual fee. Look for something in the middle.
- Generous rewards: Many good credit cards come with generous rewards programs, so take advantage of them!
Here are some of the best credit cards for good credit in 2022:
Capital One VentureOne Rewards Credit Card
The Capital One VentureOne Rewards Credit Card offers a low APR and no annual fee. You’ll also earn rewards on every purchase you make.
Citi Simplicity Card
The Citi Simplicity Card offers a low APR and no late fees or penalty APRs. You can also take advantage of 0% intro APR periods on balance transfers and purchases.
Chase Freedom Unlimited Credit Card
The Chase Freedom Unlimited Credit Card has no annual fee and offers unlimited cash back on every purchase you make. You’ll also get a 0% intro APR period on purchases and balance transfers.
No matter which card you choose, be sure to use it responsibly in order to maintain your good credit rating!
What Are The Different Types of Credit Cards?
There are four types of credit cards: secured, unsecured, rewards, and business. Secured credit cards require a deposit, which is usually equal to your credit limit. Unsecured credit cards don’t have this requirement. Rewards credit cards offer points, cash back, or travel miles in exchange for spending. Business credit cards are designed specifically for businesses and often come with perks like employee cards and accounting tools.
What Are The Benefits of Credit Cards?
Credit cards offer a lot of benefits, including the ability to build credit, earn rewards, and get cash back. They also come with some risks, like the potential for debt if you don’t use them responsibly.
If you have good credit, you can qualify for some of the best credit cards on the market. These cards offer great rewards, low interest rates, and other perks that can save you money and help you manage your finances.
How to get a Credit Card With Good Credit
If you have good credit, you’re in a great position to take advantage of some of the best credit card offers on the market. Here are our picks for the best credit cards for good credit in 2022.
The best credit card for good credit is the Capital One Platinum Credit Card. This card has no annual fee, and it offers a 0% APR on purchases and balance transfers for 15 months. You’ll also earn rewards points on every purchase, which can be redeemed for cash back, gift cards, or travel.
If you’re looking for a card with great perks and rewards, the Chase Sapphire Preferred Card is a great option. This card comes with an annual fee of $95, but it’s worth it for the perks you’ll get. With this card, you’ll earn two points per dollar spent on travel and dining, and one point per dollar spent on everything else. You can also redeem your points for cash back, gift cards, or travel.
If you’re looking for a low interest credit card, the Citi Simplicity Card is a great option. This card has no annual fee and offers a 0% APR on purchases and balance transfers for 21 months. After that, the APR will be 14.99% – 24.99%, based on your creditworthiness.
How Decide Which Type of Credit Card You Want
There are four major types of credit cards: cash back, balance transfer, low interest rate, and business. Each type has different features and benefits that can appeal to different types of cardholders.
If you’re looking for a credit card with great rewards, a cash back credit card could be the best option for you. These cards offer rewards like cash back on your purchases, which can add up quickly if you use your card regularly.
If you have high interest debt on another credit card, a balance transfer credit card could help you save money on interest payments. These cards offer 0% APR on balance transfers for a promotional period, which can give you time to pay down your debt without accruing more interest.
If you’re looking for a card with a low interest rate, a low interest credit card could be a good option for you. These cards typically have lower APRs than other types of cards, which can save you money on interest if you carry a balance on your card.
Business credit cards can be a great option for business owners or entrepreneurs. These cards offer features and benefits specifically tailored to business expenses, such as rewards on business-related purchases and access to business credit lines.
Which type of credit card is best for you will depend on your individual financial needs and goals. Consider what type of features and benefits are most important to you before applying for a credit card.
How Many Credit Cards Should Someone With Good Credit Have?
There’s no magic number of credit cards someone with good credit should have. It could be one card or several, depending on your financial goals and spending habits. The best way to determine how many credit cards you need is to consider your financial goals and create a budget. Then, you can use that budget to help you decide which credit cards will best suit your needs.
If you’re looking for another credit card, here are a few things to keep in mind:
- Look for a card with low interest rates and fees.
- Make sure the card doesn’t have an annual fee.
- Consider whether you want a rewards card or a cash back card.
- Choose a card that offers perks that best suit your needs, such as travel rewards or cash back.
What Credit Limit Do The Best Credit Cards for Good Credit Have?
Most of the best credit cards for good credit will have a credit limit of at least $500. Some may even go as high as $5000. However, there are a few that may have a lower limit, so it really depends on the card issuer. You’ll just need to check with your chosen card issuer to see what their specific limits are.
Do Credit Cards for Good Credit Report to The Three Major Credit Bureaus?
The answer is maybe. Some credit cards for good credit report activity to all three major credit bureaus, while others only report to one or two. And still others don’t report to any of the major credit bureaus. So, if you’re looking for a card that will help you build your credit history, be sure to ask whether the card reports to the major credit bureaus before you apply.
Do The Best Credit Cards for Good Credit Have Any Annual Fees?
The best credit cards for good credit usually don’t have any annual fees. However, there are a few exceptions to this rule. For example, some premium rewards cards charge an annual fee in order to offer more generous rewards programs. If you’re interested in a card with an annual fee, be sure to weigh the cost of the fee against the value of the rewards you’ll earn.
What Other Fees Might I incur?
In addition to an annual fee, you may also have to pay other fees associated with your credit card account. These can include things like foreign transaction fees, balance transfer fees, and cash advance fees.
Do The Best Credit Cards for Good Credit Have Rewards Programs?
The best credit cards for good credit will have excellent rewards programs.
These programs will allow you to earn points or cash back on your purchases. You can use these points to redeem for travel, merchandise, or gift cards.
If you are a frequent traveler, look for a card that offers airline miles as a reward.
There are also many cards that offer 0% APR for an introductory period, which can save you money on interest if you carry a balance from month to month. When choosing a credit card, be sure to compare the different features and benefits offered by each card issuer.
This will help you find the best credit card for your needs and spending habits.
Do The Best Credit Cards for Good Credit Offer 0% APR?
The best credit cards for good credit typically offer 0% APR on purchases and balance transfers for the first 12 to 18 months. After that, a variable APR applies, based on your creditworthiness. Some cards may also offer ongoing rewards or cash back on all your spending. If you have good credit, you should be able to qualify for most of the best offers out there. Just remember to pay off your balance in full each month to avoid interest charges.
Do The Best Credit Cards for Good Credit Come With Sign-Up Bonuses?
The best credit cards for good credit come with great perks and bonuses, like cash back on your purchases, free travel insurance, and extended warranty protection. But what about sign-up bonuses?
Unfortunately, most of the best credit cards for good credit don’t come with sign-up bonuses. That’s because these cards are designed for people who already have good credit – and banks don’t need to entice them with rewards.
So if you’re looking for a good credit card with a sign-up bonus, you’ll likely have to settle for a card that isn’t quite as strong in other areas. But that doesn’t mean there aren’t any good options out there – it just means you’ll have to do a little more research to find the best card for your needs.
How to Avoid Credit Card Debt?
There are a few things you can do to avoid getting into credit card debt. First, only use your credit card for things that you know you can afford. If you’re not sure, ask yourself if you would be comfortable paying for the item with cash. Second, keep track of your spending. Track how much money you have coming in and going out each month, so you know exactly where your money is going. Finally, make a budget and stick to it. When you have a plan for your finances, it’s easier to stay out of debt.
If you’re already in credit card debt, don’t worry – there are ways to get out of it. The first step is to stop using your credit cards. Cut them up or put them away somewhere safe so you’re not tempted to use them. Then, start making a plan to pay off your debt. You can do this by either paying off the card with the highest interest rate first, or by paying off the card with the lowest balance first. Whichever method you choose, make sure you stick to your plan and don’t add any more debt to your credit cards.
Can I Get An Amex Card With Good Credit?
The short answer is yes, you can get an Amex card with good credit. American Express offers a variety of cards for different credit scores, so you should be able to find one that suits your needs.
However, it’s important to remember that just because you have good credit, doesn’t mean you will be approved for every card. American Express will still look at your income and spending habits to determine if you’re a good fit for their products.
If you’re looking for the best Amex card for good credit, we recommend the American Express Blue Cash Preferred Card. This card offers great cash back rewards on everyday purchases, and has no annual fee. Plus, you’ll get a 0% intro APR on purchases and balance transfers for 12 months.