Your Best Cards

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Rankings · Good to excellent credit

Best Credit Cards for Good to Excellent Credit

24 live consumer cards whose issuer says they are for good or excellent credit, ranked by our overall score. Each card shows the credit level its issuer states.

All cards rankedNo annual fee

Ranked by math · Compensation never changes the order · Methodology

Cards compared
24
Live cards in our database
#1 score
66
Capital One Venture X Rewards
$0 annual fee
18
of the 24 cards
Sponsored rankings
0
Compensation never changes the order

Before you compare

Most issuers don’t publish a minimum credit score, and approval also depends on income, existing debt and recent applications. This page only lists cards whose issuer states a credit level on its own site, and shows that level on each card. We never estimate one, so popular cards from issuers that publish nothing are not here. Checking whether you pre-qualify on the issuer’s site does not affect your score.

Cards for Good to Excellent Credit

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Ranked by each card’s overall score. Only cards whose issuer states a good or excellent credit level are listed. Card data checked November 8, 2026 · 24 cards compared.

Search for cash back, travel or an issuer name. Each card shows the credit level its issuer states; open View details for the full earn terms, welcome offer and fees.
Loaded 24 cards
Capital One Venture X Rewards

Capital One Venture X Rewards

Top Pick for Good Credit
Capital OneVisa
Overall score66
Annual fee$395
Credit level (issuer)
Excellent
  • 10X Miles on hotels & rental cars booked through Capital One Travel
  • 5X Miles on flights and vacation rentals booked through Capital One Travel
  • 2X Miles on all other purchases
Visa Platinum

Visa Platinum

University Of Illinois Community Credit Union
Overall score65
Annual fee$0
Credit level (issuer)
Good or better
See issuer terms for current rewards and fees.
Capital One Venture Rewards

Capital One Venture Rewards

Capital OneVisa
Overall score65
Annual fee$95
Credit level (issuer)
Excellent
  • Unlimited 2X miles on all purchases
  • 5X on hotels/rentals through Capital One Travel
Quicksilver VentureOne

Quicksilver VentureOne

Capital OneVisa or Mastercard
Overall score63
Annual fee$0
Credit level (issuer)
Excellent
  • Unlimited 1.25 miles per dollar on all purchases
  • 5 miles per dollar on hotels/rentals through Capital One Travel
PenFed Platinum Rewards Visa Signature® Card

PenFed Platinum Rewards Visa Signature® Card

PenFed
Overall score62
Annual fee$0
Credit level (issuer)
Good or better
  • 5X on fuel and EV charging
  • 3X supermarket and restaurants
  • 1X all other purchases
U.S. Bank Shield™ Visa® Card

U.S. Bank Shield™ Visa® Card

U.S. Bank
Overall score61
Annual fee$0
Credit level (issuer)
Good or better
4% cash back on prepaid air, hotel and car reservations booked directly in the Travel Center when you use your card.
Citi Simplicity® Card

Citi Simplicity® Card

CitiMastercard
Overall score60
Annual fee$0
Credit level (issuer)
Good or better
none
Citi® Diamond Preferred® Card

Citi® Diamond Preferred® Card

CitiMastercard
Overall score60
Annual fee$0
Credit level (issuer)
Good or better
none
PenFed Gold Visa® Card

PenFed Gold Visa® Card

PenFed Credit Union
Overall score60
Annual fee$0
Credit level (issuer)
Good or better
See issuer terms for current rewards and fees.
Savor Rewards from Capital One

Savor Rewards from Capital One

Capital OneMastercard
Overall score59
Annual fee$0
Credit level (issuer)
Excellent
  • Unlimited 3% cash back at grocery stores, on dining, entertainment and popular streaming services
  • 1% cash back on all other purchases
U.S. Bank Altitude® Go Visa Signature® Card

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

U.S. Bank
Overall score59
Annual fee$0
Credit level (issuer)
Good or better
  • 4X points on dining, takeout, food delivery (first $2,000 per quarter)
  • 2X grocery stores, gas stations/EV charging
  • 1X all other purchases
U.S. Bank Cash+® Visa Signature® Card

U.S. Bank Cash+® Visa Signature® Card

U.S. Bank
Overall score59
Annual fee$0
Credit level (issuer)
Good or better
  • 5% back on two chosen categories (fast food, utilities, TV and streaming, department stores, cell phone and electronic stores
  • 2% everyday categories like gas stations and EV charging stations, grocery stores or restaurants
  • 1% on all other purchases
Discover it® Cash Back

Discover it® Cash Back

Discover
Overall score54
Annual fee$0
Credit level (issuer)
Excellent
5% rotating categories
SKYPASS Visa Signature® Card

SKYPASS Visa Signature® Card

US Bank
Overall score54
Annual fee$99
Credit level (issuer)
Good or better
  • 2X miles per $1 spent on Korean Air ticket purchases
  • 2X miles on hotels
  • 2X miles on dining, including takeout and resstaurant delivery
  • 1X mile per $1 spent on all other purchases
PenFed Pathfinder® Rewards Visa Signature® Card

PenFed Pathfinder® Rewards Visa Signature® Card

PenFed Credit Union
Overall score53
Annual fee$95
Credit level (issuer)
Good or better
  • 4X points on travel
  • 3X on all dining
  • 1.5X on all other purchases
Quicksilver Rewards

Quicksilver Rewards

Capital OneMastercard
Overall score53
Annual fee$0
Credit level (issuer)
Excellent
Unlimited 1.5% back on all purchases
PenFed Power Cash Rewards® Visa Signature®

PenFed Power Cash Rewards® Visa Signature®

PenFed Credit Union
Overall score52
Annual fee$0
Credit level (issuer)
Good or better
  • 2% cash back on all purchases (Honors Advantage with checking or military)
  • 1.5% (standard)
Skypass Select Visa Signature® Card

Skypass Select Visa Signature® Card

US Bank
Overall score52
Annual fee$450
Credit level (issuer)
Good or better
  • 3X miles on Korean Air
  • 2X miles per $1 spent on other airlines
  • 2X miles on hotels and car rentals
  • 2X miles on dining, including takeout and restaurant delivery
  • 1X mile per $1 spent on all other purchases
Flagship Premier Visa Signature®

Flagship Premier Visa Signature®

Navy FCU
Overall score50
Annual fee$95
Credit level (issuer)
Excellent
  • 4X points on all travel
  • 3X points on dining
  • 1X points on everything else
U.S. Bank Altitude® Connect Visa Signature® Card

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

U.S. Bank
Overall score48
Annual fee$0
Credit level (issuer)
Good or better
  • 5X points on prepaid hotels/car rentals via Travel Center
  • 4X on gas/EV (first $1k/quarter)
  • 2X dining/streaming/grocery
  • 1X all other
SKYPASS SkyBlue Visa® Card

SKYPASS SkyBlue Visa® Card

US Bank
Overall score46
Annual fee$0
Credit level (issuer)
Good or better
  • 2X miles per $1 spent on streaming services like Netflix and Spotify
  • 2X miles on rideshare such as Uber and Lyft
  • 1 mile per $1 spent on all other purchases
U.S. Bank Smartly™ Visa Signature® Credit Card

U.S. Bank Smartly™ Visa Signature® Credit Card

U.S. Bank
Overall score45
Annual fee$0
Credit level (issuer)
Good or better
Unlimited 2% cash back on all purchases
T-Mobile Visa®

T-Mobile Visa®

Capital One
Overall score45
Annual fee$0
Credit level (issuer)
Good or better
2% in rewards on every purchase and 5% on T-Mobile phones, devices, and accessories.
Quicksilver Rewards for Good Credit from Capital One

Quicksilver Rewards for Good Credit from Capital One

Capital OneVisa
Overall score35
Annual fee$0
Credit level (issuer)
Good or better
Unlimited 1.5% cash back on all purchases
Check before you apply

Most issuers let you see whether you pre-qualify without a hard inquiry. A hard inquiry only happens when you submit the full application.

How we score cards
Rewards you will use

With good credit, the main question is where you spend. A flat-rate card covers everything; a category card pays more on dining, groceries or gas.

Best cash back cards Flat-rate cards Rewards calculator
Travel and points

Travel cards often ask for excellent credit. Points are worth more when transferred to airlines and hotels.

Best travel cards What points are worth

How this page is built

Live consumer cards whose issuer states on its own site that the card is for good or excellent credit (for example a Capital One “Credit Level”, PenFed’s “Good/Excellent Credit”, or a Citi or U.S. Bank FAQ answer). Cards whose issuer states no credit level are left out rather than guessed, so many well-known cards are not on this list. A range such as “good to excellent” counts as good. Store, business, student and secured cards are left out. Sorted by the overall score, the same score our other rankings use. Partner (affiliate) links never change which cards appear or their order; an Apply button may become a labelled partner link, but the ranking is the same either way.

Card details come from our database, which is verified against each issuer’s website; see our methodology, editorial policy and corrections policy.

Good to Excellent Credit Cards FAQ

Which cards for good to excellent credit ranks highest right now?

Capital One Venture X Rewards (Capital One) has the highest overall score among the 24 cards for good to excellent credit we compared, followed by Visa Platinum and Capital One Venture Rewards.

How many cards are for excellent credit and how many for good credit?

Of the 24 cards here, 7 are for excellent credit by the issuer’s own wording and 17 for good credit or better (many issuers say “good to excellent”).

Which issuers state a credit level?

On this page: Capital One, University Of Illinois Community Credit Union, PenFed, U.S. Bank, Citi, PenFed Credit Union, Discover, US Bank and Navy FCU. Other issuers don’t publish one, so we leave their cards out instead of guessing.

Will these cards approve me if I have good credit?

Not for certain. The level shown is what the issuer says it looks for, and approval also depends on income, existing debt and recent applications. The issuer’s pre-qualification check is the best guide before you apply.

How often is this list updated?

The site rebuilds whenever card data changes in our database and at least once a month. This page was built from data checked November 8, 2026. Always confirm current terms on the issuer’s site.

Related Guides
Best credit cards overall →Best cash back cards →Best travel cards →Best no-annual-fee cards →Best student cards →Cards to build credit (Your Best Credit Builder) →How we score cards →