To have a credit report that is universally considered good, your score should fall somewhere between 661-740 points, though a credit score of 620-720 is also considered good by many lenders. If you've been able to work your way to a good credit score, then you get to enjoy the multitude of benefits offered to people who qualify for good credit cards.
These include variable rate APRs, ranging from Prime + 6.0% through Prime + 12.00%, travel accident coverage up to $1,000,000, no annual membership fee, low Introductory APR on balance transfers for your first 6 billing cycles, which can also apply to balance transfers processed within three months
of your account opening date, plus up to 20% cash back bonus when you shop online
One of the key benefits is often a lower interest rate. A lower interest rate can mean a savings of hundreds of dollars or more throughout the life of the account. But this is just one of the improved terms good credit cards offer their customers. With a good credit card you can frequently get a longer 0% introductory interest rate, no annual fees, more lenient forgiveness policies, and higher credit limits. Good credit cards also let you choose the purchases you can earn rewards on, few or zero restrictions on travel rewards, exclusive entertainment offers, and more.
Some of the better credit cards even come with free concierge-level customer support and service to really pamper card holders. And they help you keep your credit score healthy by providing expanded tools and resources to help you improve your credit report through knowledge and smart credit practices. The bottom line is that if you have good credit, you should have no trouble getting a good credit card, so shop carefully and compare terms and conditions thoroughly to make sure you're getting what you deserve.