Credit Cards for Good Credit

Are you lucky enough to have good credit? If so, rest assured that you will not struggle to qualify for some of the top rated credit cards. As you hold a good credit rating, you will gain so many offers from creditors, including low-interest rate, no or low annual fees, an extensive reward programs, and so much more. As you will have a decent credit history, the issuers will have immediate confidence that you will act responsibly. So, this can help you if you ever have a financial emergency, this safety blanket will put you back on track. As we have mentioned, you will qualify for many of the A-list credit cards; please see the full details below.

  • Avianca Vida Visa® Card

    • Welcome Bonus of 20,000 LifeMiles after first card use
    • Earn 2 LifeMiles per $1 spent on Avianca purchases
    • Earn 1 LifeMile per $1 spent on all other purchases
    • 15% discount on purchases of miles with Multiply Your Miles
    • No cap on the number of LifeMiles you can earn
    • 0% Introductory offer for 12 months on Balance Transfers
    • Chip-enabled card provides added security
    • Auto Rental Collision Damage Waiver
    • Travel Accident Insurance
    • Protection against unauthorized charges
    • Emergency Card Replacement
    • Online Account Management
    • Electronic Statements
    • Auto-pay option
    • Vida - standard 20,000 welcome bonus after first purchase, plus 20,000 bonus miles after at least $1,000 spend on purchases within the first 90 days of account opening (total of 40,000). Promo code SB4060 must be entered when completing application in order to receive the additional 20,000 welcome bonus miles after qualifying purchases.
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  • Avianca Vuela Visa® Card

    • Welcome Bonus of 40,000 LifeMiles after first card use
    • Earn 3 LifeMiles per $1 spent on Avianca purchases
    • Earn 2 LifeMiles per $1 spent on gas stations & grocery stores
    • Earn 1 LifeMile per $1 spent on all other purchases
    • 15% discount on purchases of miles with Multiply Your Miles
    • Free additional piece of baggage for travel between the United States and Central America
    • A 50% discount on an award ticket redeemed for travel to Central America or Colombia from the United States after $12,000 spent each year
    • An additional 50% discount on an award ticket redeemed for travel to Central America or Colombia from the United States after $24,000 spent each year
    • 0% Introductory offer for 12 months on Balance Transfers
    • No foreign transaction fees
    • Chip-enabled card provides added security
    • Auto Rental Collision Damage Waiver
    • Travel Accident Insurance
    • Protection against unauthorized charges
    • Emergency Card Replacement
    • Online Account Management
    • Electronic Statements
    • Auto-pay option
    • Vuela – standard 40,000 welcome bonus after first purchase, plus 20,000 bonus miles after at least $1,000 spend on purchases within the first 90 days of account opening (total of 60,000). Promo code SB4060 must be entered when completing application in order to receive the additional 20,000 welcome bonus miles after qualifying purchases.
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  • Fingerhut Credit Account

    • Easy application! Get a credit decision in seconds.
    • Build your credit history – Fingerhut reports to all 3 major credit bureaus
    • Use your line of credit to shop thousands of items from great brands like Samsung, KitchenAid, and DeWalt
    • Not an access card
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  • Unique Platinum

    • $1000 Credit Limit
    • No Credit Checks
    • Instant Approval
    • 0% Financing
    • No application denied for bad credit!
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  • Petal card

    • Up to 1.5% cash back after making 12 on-time monthly payments
    • 1% cash back on purchases right away
    • No fees whatsoever. No late fee, international fee, annual fee, or any-other-kind-of-fee, fee
    • Build credit alongside tens of thousands of Petal Card members
    • Cash flow technology can help applicants without credit history get approved
    • $500 - $10,000 credit limits
    • Petal's mobile app makes it easy to manage your money, track your spending, and automate payments
    • See if you're pre-approved within minutes without impacting your credit score
    • Petal reports to all 3 major credit bureaus
    • No deposits required
    • Card issued by WebBank, member FDIC
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  • Luxury Card™ Mastercard® Gold Card™

    • 24K-Gold-Plated – Patented Card Design
    • 2% Value for Airfare Redemptions
    • 2% Value for Cash Back Redemptions
    • 24/7 Luxury Card Concierge™ – Available by phone, email, and mobile chat
    • Exclusive Luxury Card Travel Benefits
    • $200 Annual Airline Credit Toward Qualifying Purchases
    • $100 Global Entry Application Fee Credit
    • Annual Fee: $995 ($295 for each Authorized User)
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  • Luxury Card™ Mastercard® Black Card™

    • Stainless Steel – Patented Black-PVD-Coated Metal Card
    • 2% Value for Airfare Redemptions
    • 1.5% Value for Cash Back Redemptions
    • 24/7 Luxury Card Concierge™ – Available by phone, email, and mobile chat
    • Exclusive Luxury Card Travel Benefits
    • $100 Annual Airline Credit Toward Qualifying Purchases
    • $100 Global Entry Application Fee Credit
    • Annual Fee: $495 ($195 for each Authorized User)
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  • Luxury Card™ Mastercard® Titanium Card™

    • Brushed Stainless Steel – Patented Card Design
    • 2% Value for Airfare Redemptions
    • 1% Value for Cash Back Redemptions
    • 24/7 Luxury Card Concierge™ – Available by phone, email, and mobile chat
    • Exclusive Luxury Card Travel Benefits
    • Members-Only LUXURY MAGAZINE
    • Annual Fee: $195 ($95 for each Authorized User)
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  • Indigo® Mastercard® with Fast Pre-qualification

    • Our pre-qualification process does not affect your credit score
    • Keeping your account in good standing may help establish and/or improve your credit
    • 24/7 access to your account, even on mobile!
    • Protection from fraud, if your card happens to be lost or stolen
    • Account history is reported to the three major credit bureaus in the U.S.
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  • Indigo® Platinum Mastercard®

    • Easy pre-qualification process with fast response
    • Don't have perfect credit? No problem!
    • 24/7 access to your account, even on mobile!
    • No security deposit
    • Account history is reported to the three major credit bureaus in the U.S.
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Transaction Fees

Annual Fee: You may find some credit card options which charge yearly fees, but not all of them do. The types of credit cards which typically have yearly fees include premium credit cards, subprime credit cards, and secured credit cards. The fee amount charged per year will vary. Some fees start at $0 and go up to $500. It all depends on which type of credit card you apply for.

Regular Purchase APR: When you make a standard purchase with your credit card, the amount charged gets added to your revolving debt balance. On top of that, there is a certain amount of interest which gets added to this balance too. This interest is called the annual percentage rate, or APR. Your credit rating greatly influences your APR, which is why the percentage fluctuates regularly. People with perfect credit may only have to pay 10% APR while people with terrible credit pay up to 35% APR. For this reason, it is important to review all the terms and conditions on your credit card application prior to signing it. Make sure you know the true APR after the initial trial period expires. Sometimes these credit card companies will try to lure you in with 0% APR for 12 months, but they won’t tell you what the APR is after those 12 months. You must look for it in the fine print.

Intro Purchase APR: When you see a credit card plan which offers an introductory purchase APR of 0%, this doesn’t necessarily mean it’s a trick. Sometimes you’ll find some good low-interest credit card plans which charge 0% APR for the first 6 months, 12 months, or sometimes even longer. This means that all your credit card purchases within this time period won’t have interest charges added onto the debt balance. However, once the introductory period expires, the standard purchase APR will then apply. Again, check the terms and conditions to see what this APR is.

Balance Transfer Fee: If you owe money on multiple loans or credit cards, you can clear this debt by moving it to another credit card which has more available credit. This is basically a way to consolidate your debt so that you only owe money on one account instead of several accounts. However, whenever you transfer your debt balances to another account, you must pay a balance transfer fee of anywhere between 3% and 5% of the total transferred debt amount. For instance, if you owe a total of $10,000 on all your loan and credit card accounts, a 5% balance transfer fee on this amount would cost you $500.

Regular Balance Transfer APR: Sometimes a credit card company will offer a regular balance transfer APR to new credit card account holders instead of a balance transfer fee. This balance transfer APR is usually a generous deal which ranges from 0% to a very low APR. However, this low balance transfer APR is only available for a limited introductory time period. This could last for 6 months, 12 months, or longer. Once the introductory period is over, the normal rates apply.

Cash Advance Fee: If you want to take out a cash advance on your credit card, you will either be charged 3% to 5% on the transaction amount or a fixed fee of between $5 and $15 per transaction. The greater amount of the two is the one you will pay. For instance, if you take a $200 cash advance on a credit card which charges a cash advance fee of 10% or $5, you will end up paying 10% because that is the greater amount. In this case, the cash advance fee is $40.

Credit Terms

TheCreditWiki, can make searching for the best card far easier, especially when you need to consider several factors. You may not be aware, but there are a few cards that have APR rates that you will need to review before signing the contract with the bank or lender. You will also need to consider financing costs, and anticipate what you are going to need the card for, is it going to be a single one-off purchase, or do you want to carry a monthly balance? Understanding the potential financial implications is crucial, for example, if you don't make your required monthly or bulk payment by the agreed date, then your financing costs will increase. If this happens, you will incur several costs – such as paying the full current balance, and fees to the credit card issuer/bank. Another important factor is interest fees. Please be aware that they can fluctuate; they can shift from as low as 0% to as high as 35%. So, before signing the contract, review the credit card applications for any specifics regarding the interest rates, as they will be stated in the terms and conditions. TheCreditWiki strive to provide our customers with the most current, and up-to-date information, regarding rates, benefits and many more. Please do remember that the credit card offers that we have listed, are displayed without guarantee. If you want to affirm the terms and conditions, click on "Apply Now." You will be able to learn more about the full credit card offer, on a secured page that will be supplied by the card issuer(s). You will see the list of the best credit cards options currently available on the market listed below. We have provided you with all the relevant information about each provider to ensure that you will make an informed and confident decision.

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When searching for the best credit card TheCreditWiki can help you to make the best decision based on your lifestyle and financial history. TheCreditWiki is a free service and promotes bolstered credit examination, through a comparison entity. The offers that you will see on thecreditwiki.com are from organizations, which thecreditwiki.com will receive remuneration.

About our Ratings

Our reimbursement sometimes impacts the surveys, but it is only the order that the classifications appear in, and nothing else. They will appear on our featured pages, but you can still opt to use the best option for you, and we strive to provide this regardless of the compensation that we may receive.
Please be aware, that this may affect the order in which these credit offers appear. Also, thecreditwiki.com does consider the restrictive guidelines of each lender, and the probability of the consumers' credit history. They will take this information into account, and will decide how, and when the credit cards offer will appear on the site.

General Disclaimer

We advise you to review your credit card application for specific references of the terms and conditions. We will always endeavor to provide the most relevant and up-to-date information. However, please be aware that all credit card offered displayed are not guaranteed. If you wish to confirm the full terms & conditions, please click on the "Apply Now" link. If you select the link, it will open a secure page provided by the card issuer(s) which will explain your credit card offer in more detail.

Our Editors

Here at TheCreditWiki, we have a team of editors who supply unbiased ratings of various credit card offers. The components used to rate the offers accordingly are; offer purchasers, expenses, financing costs & which credit card the application is related too. Please be aware that all of the evaluations are completed using a master supposition from our editors. Our editors are not affected by any compensation that our receives from the credit card issuer.