Best Credit Cards for Good Credit Scores in June 2025
Chase Freedom Unlimited®
- Earn 5% cash back on travel purchased through Chase Ultimate Rewards
- Earn 3% cash back on dining at restaurants, including takeout and eligible delivery services
- Earn 3% cash back on drugstore purchases
- Unlimited 1.5% cash back on all other purchases
- No annual fee
Citi® Double Cash Card
- Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases
- No annual fee
- 0% intro APR on balance transfers for 18 months
- Low intro APR on balance transfers
- Contactless payment enabled
American Express® Gold Card
- Earn 4X Membership Rewards® Points at restaurants, including takeout and delivery
- Earn 4X Membership Rewards® Points at U.S. supermarkets, on up to $25,000 per year in purchases
- Earn 3X Membership Rewards® Points on flights booked directly with airlines or on amextravel.com
- $120 Uber Cash per year ($10/month)
- $120 Dining Credit annually ($10/month)
Discover it® Cash Back
- Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations, and when you pay using PayPal, up to the quarterly maximum
- Unlimited 1% cash back on all other purchases
- Discover matches all the cash back you've earned at the end of your first year automatically
- No annual fee
- Fraud protection and credit monitoring
Capital One SavorOne Cash Rewards Credit Card
- Earn unlimited 3% cash back on dining, entertainment, popular streaming services, and eligible grocery store purchases (excluding superstores like Walmart® and Target®)
- Earn 1% on all other purchases
- No annual fee
- No Foreign Transaction Fee
- Access to Capital One Entertainment and other experiences
When you have a good credit score, you're in a favorable position to explore a variety of credit card options. With a good score, generally ranging from 670 to 739 according to FICO, you can qualify for credit cards that offer superior rewards, lower interest rates, and exciting perks. This guide will provide you with insights on how to choose the best credit card for good credit scores without recommending specific products.
Understanding Good Credit Scores
A good credit score is a key that unlocks numerous financial benefits, including access to premium credit cards. Issuers view individuals with good scores as low risk, meaning you are more likely to secure attractive terms and competitive rates. Knowing your score and how it fits within the credit score ranges can help you make informed decisions.
What Makes a Credit Card Ideal for Good Credit?
When searching for the best credit card to match your good credit score, consider the following features:
1. Rewards Programs
Look for cards that offer robust rewards programs. This could include cash back, travel rewards, or points that can be redeemed for various perks. It's important to choose a rewards structure that aligns with your lifestyle and spending habits.
2. Interest Rates
Pay attention to the Annual Percentage Rate (APR). A good credit score often allows you to qualify for lower interest rates, which can be especially beneficial if you carry a balance from month to month.
3. Fees
Evaluate the annual fees and other charges that might be associated with the card. Some cards offer significant benefits that justify higher fees, while others provide excellent value with no annual fee.
4. Credit Limit
With a good credit score, you might qualify for a higher credit limit. A higher limit can enhance your credit utilization ratio and positively impact your credit score, provided you manage your spending wisely.
5. Introductory Offers
Consider cards with introductory offers such as 0% APR for a certain period or bonus points for signing up. These incentives can maximize your benefits if used strategically.
How to Choose the Right Credit Card
Analyze Your Spending Habits
Determine where you spend the most money monthly, whether it's groceries, travel, dining, or other categories. Select a card that offers the highest rewards for your frequent spending areas.
Set Financial Goals
Decide what you want to achieve with your new credit card. Is it to build more credit, earn travel miles, or get cash back? Your goals should guide your choice.
Compare Options
Do thorough research and make comparisons between different card offerings. This ensures you identify the card that offers the best overall value for your needs.
Consider Your Future Needs
Think ahead about how your financial needs might evolve. You may find it helpful to explore other categories of credit cards, such as best joint credit card if you're in a partnership, or student credit card benefits if you are pursuing education.
Conclusion
Choosing the best credit card when you have a good credit score involves assessing your spending habits, financial goals, and future needs. By carefully considering the card's rewards, fees, interest rates, and potential credit limits, you can make an informed decision that enhances your financial wellbeing. Remember, the best card for you is one that fits seamlessly into your lifestyle while maximizing value. Secure the perks and benefits of your good credit score wisely.