Credit Cards for Good Credit

Credit cards within this credit category typically offer lower APRs, lower fees, and a wide variety of rewards programs. Not sure what your credit score is? Sign up

Imagine® Visa® Credit Card

Credit Recommended:
Fair/Poor
Apply Now on the Imagine Card secure website.
Credit Recommended:
Fair/Poor
Credit Line
Up to $1,000 credit limit subject to credit approval
Rewards Rate 1
Up to 3% Cash Back Rewards; 3% Cash Back Reward on Gas, Groceries and Utility Bill Payments. 1% Cash Back Reward on all other eligible purchases.
Regular APR
29.99% or 36% Fixed
Apply Now on the Imagine Card secure website.
Annual Fee
As low as $99
Credit Recommended
Fair/Poor
Card Brand
Visa®

Highlights

  • Earn 3% Cash Back Rewards* on Gas, Groceries and Utility Bill Payments
  • Earn 1% Cash Back Rewards* on all other eligible purchases
  • Up to $1,000 credit limit subject to credit approval
  • $0 fraud liability**
  • Free Credit Score†
  • The Imagine Card is issued by WebBank
    *See Program Terms for important information about the cash back rewards program.
    **Zero liability subject to Visa’s Zero Liability Policy.
    † Your credit score will be available in your online account 60 days after your account is opened. (Registration required.) The free VantageScore 4.0 credit score provided by TransUnion® is for educational purposes only and may not be used by WebBank (the issuer of this card) or other creditors to make credit decisions.
See additional details for Imagine® Visa® Credit Card

Milestone® Mastercard®

Credit Recommended:
Fair/Good
Apply Now on the Milestone Mastercard® secure website.
Credit Recommended:
Fair/Good
Regular APR
See terms
Credit Recommended
Fair/Good
Annual Fee
See terms
Apply Now on the Milestone Mastercard® secure website.
Card Brand
Mastercard
Credit Limit
$700
Cash Advance Fee
See terms

Highlights

  • Greater access to credit than before - $700 credit limit
  • Get a Mastercard accepted online, in store and in app
  • Account history is reported to the three major credit bureaus in the U.S.
  • $0 liability* for unauthorized use
  • Access your account online or from your mobile device 24/7
  • *Fraud protection provided by Mastercard Zero Liability Protection. If approved, you'll receive the Mastercard Guide to Benefits that details the complete terms with your card.
See additional details for Milestone® Mastercard®

Aspire® Cash Back Reward Card

Credit Recommended:
Fair
Apply Now on the Aspire secure website.
Credit Recommended:
Fair
Rewards Rate 1
Up to 3% Cash Back Rewards; 3% Cash Back Reward on Gas, Groceries and Utility Bill Payments. 1% Cash Back Reward on all other eligible purchases.
Credit Line
Up to $1,000 credit limit subject to credit approval
Regular APR
29.99% or 36% Fixed
Apply Now on the Aspire secure website.
Credit Recommended
Fair
Annual Fee
See Terms
Card Brand
Mastercard®

Highlights

  • Earn 3% Cash Back Rewards* on Gas, Groceries and Utility Bill Payments
  • Earn 1% Cash Back Rewards* on all other eligible purchases
  • Up to $1,000 credit limit subject to credit approval
  • Prequalify** without affecting your credit score
  • No security deposit
  • Free access to your VantageScore 4.0 score from TransUnion®†
    *See Program Terms for important information about the cash back rewards program.
    ** Prequalify means that you authorize us to make a soft inquiry (that will not affect your credit) to create an offer. If you accept an offer a hard inquiry will be made. Final approval is not guaranteed if you do not meet all applicable criteria (including adequate proof of ability to repay). Income verification through access to your bank account information may be required.
    † Your credit score will be available in your online account starting 60 days after your account is opened. (Registration required.) The free VantageScore 4.0 credit score provided by TransUnion® is for educational purposes only. This score may not be used by The Bank of Missouri (the issuer of this card) or other creditors to make credit decisions.
See additional details for Aspire® Cash Back Reward Card

Search Now on the CreditSoup.com secure website.
Cost
No Charge to Find Out if You're Eligible
Credit Limit
Varies Based On The Card You Choose
Card Types
Cards for Every Credit Type
Search Now on the CreditSoup.com secure website.

Highlights

  • Cards for every credit score.
  • See if you're eligible with no impact to your credit.
  • Get personalized card offers in seconds.
  • Compare your offers and apply with confidence.
See additional details for Find The Card for You

Arro Card

Credit Recommended:
All Credit Types Accepted
Apply Now on the issuer’s secure website.
Credit Recommended:
All Credit Types Accepted
Regular APR
16% Variable
Credit Recommended
All Credit Types Accepted
Card Brand
Mastercard®
Apply Now on the issuer’s secure website.
Late Payment Fee
Up to $8
Return Payment Fee
None
Annual Fee
$36* (*discounted in Year 1 for starting credit lines under $200)

Highlights

  • All credit types accepted.
  • Arro's soft credit pull does not impact your credit score.
  • Through in-app personal finance activities, members receive real time credit limit increases and other rewards.
  • Opportunities to decrease your interest rate.
  • Use your Arro Card anywhere Mastercard is accepted.
  • Application takes as little as 5 minutes.
See additional details for Arro Card

Reflex® Platinum Mastercard®

Credit Recommended:
Fair/Poor/Bad/Limited
Apply Now on the Continental Finance secure website.
Credit Recommended:
Fair/Poor/Bad/Limited
Regular APR
35.90% Fixed
Annual Fee
$75 - $125
Credit Recommended
Fair/Poor/Bad/Limited
Apply Now on the Continental Finance secure website.
Intro Rate
N/A
Intro Period
N/A
Balance Transfer
N/A

Highlights

  • Up to $1,000 Initial Credit Limit
  • See if you Pre-Qualify with No Impact to your Credit Score
  • Less than perfect credit? We understand. The Reflex Mastercard is ideal for people looking to rebuild their credit.
  • Unsecured credit card requires No Security Deposit
  • Perfect card for everyday purchases and unexpected expenses
  • Monthly reporting to the three major credit bureaus
  • Access to your Vantage 3.0 Score from Experian (when you sign up for e-statements)
  • Use your card everywhere Mastercard is accepted at millions of locations
  • Enjoy peace of mind with Mastercard Zero Liability Protection for unauthorized purchases (subject to Mastercard guidelines)
See additional details for Reflex® Platinum Mastercard®
Rates & Fees

Prosper® Card

Credit Recommended:
Fico Score Of 600 Plus
Apply Now on the issuer’s secure website.
Credit Recommended:
Fico Score Of 600 Plus
Regular APR
23.49% - 34.99%
Annual Fee
$39 (waived for the first year if you sign up for autopay before your first statement)
Foreign Trans Fee
1% of the transaction amount
Apply Now on the issuer’s secure website.
Cash Advance APR
34.99% Variable
Cash Advance Fee
None
Minimum Interest Charge
No less than $1.00 (ME residents no more than $0.50)

Highlights

  • No annual fee for the first year with AutoPay (The annual fee for this credit card is $39, which will be waived for your first year if you are approved and sign up for AutoPay before we issue your first statement.)
  • No security deposit required
  • We don't charge fees for ATM cash withdrawals ( Third party fees may apply.)
  • Initial credit limit up to $3,000
  • We regularly report on your credit card performance to help you establish credit history
  • Zero fraud liability (which offers protection against unauthorized purchases)
  • While you wait for your Prosper® Card to ship, use a portion of your credit line instantly through Digital Wallet, MyProsperCard App, or Prosper.com
  • Choose a monthly payment date that works for you
  • Free mobile app—MyProsperCard
  • Issued by Coastal Community Bank, Member FDIC pursuant to a license by Mastercard® International
See additional details for Prosper® Card
Rates & Fees

Chase Freedom Unlimited®

Credit Recommended (660-850):
Good/Excellent
Apply Now
Chase Freedom Unlimited®
Editor’s Rating: 4.7
4.7
Apply Now on the Chase secure website.
Credit Recommended (660-850):
Good/Excellent
Rewards Rate 1
1.5% - 5% cash back
Intro (Purchases)
0% Intro APR on Purchases 15 months
Annual Fee
$0
Apply Now on the Chase secure website.
Intro Rewards Bonus
Up to $300 cash back
Intro (Transfers)
0% Intro APR on Balance Transfers 15 months
Regular APR
19.74% - 28.49% Variable

Highlights

  • INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
  • Enjoy 6.5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
  • After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel℠, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
  • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
  • Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.74% - 28.49%.
  • No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
  • Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
  • Member FDIC
See additional details for Chase Freedom Unlimited®

Mission Lane Cash Back Visa® Credit Card

Credit Recommended:
Fair, Good
Apply Now on the Mission Lane secure website.
Credit Recommended:
Fair, Good
Rewards Rate 1
1-1.5% Unlimited Cash Back
Regular APR
26.99 - 29.99% Variable
Annual Fee
$0
Apply Now on the Mission Lane secure website.
Credit Recommended
Fair, Good
Credit Check
Know and Go: Know if you're pre-qualified with no harm to your credit score

Highlights

  • See if you qualify in as few as 60 seconds without harming your credit score.
  • Enjoy Unlimited 1-1.5% Cash Back on all Purchases.*
  • Be automatically considered for a higher credit line in as few as 7 months.
  • Free, online credit score access for cardholders.
  • No interest on Purchases when you pay in full and on time each month.
  • No security deposit required – get started today!
  • Enjoy coverage from Visa®.
  • Access your account anytime, anywhere with our mobile app.
  • If you are charged interest, the charge will be no less than $0.50.
  • *See Rewards Terms here
See additional details for Mission Lane Cash Back Visa® Credit Card

Upgrade Cash Rewards Visa®

Credit Recommended:
Excellent, Good, Fair, Average
Apply Now on the Upgrade secure website.
Credit Recommended:
Excellent, Good, Fair, Average
Credit Line
$500 - $25,000
Annual Fee
$0
Foreign Trans Fee
Up to 3%
Apply Now on the Upgrade secure website.
Regular APR
14.99% - 29.99% APR
Credit Recommended
Excellent, Good, Fair, Average
Balance Transfer Fee
Up to 5%

Highlights

  • $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*
  • 1.5% unlimited cash back on every purchase
  • No annual fee
  • See if you qualify in seconds with no impact to your credit score
  • Combine the flexibility of a card with the predictability of a personal loan
  • Enjoy Visa Signature benefits, like Roadside Dispatch, Price Protection, Extended Warranty Protection, and more
  • Up to 10% cash back from your favorite brands with Upgrade Shopping
  • Contactless payments with Apple Pay® and Google Wallet™
  • Mobile app to access your account anytime, anywhere
  • Use your card anywhere Visa is accepted
  • Relax knowing that you are protected in case of unauthorized transactions with Visa’s Zero Liability Policy
See additional details for Upgrade Cash Rewards Visa®

*To qualify for the welcome bonus, you must open and fund a new Rewards Checking Plus account through Upgrade and make 3 qualifying debit card transactions from your Rewards Checking Plus account within 60 days of the date the Rewards Checking Plus account is opened. If you have previously opened a checking account through Upgrade or do not open a Rewards Checking Plus account as part of this application process, you are not eligible for this welcome bonus offer. Your Upgrade Card and Rewards Checking Plus account must be open and in good standing to receive a bonus. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade Visa® Debit Card Agreement and Disclosures for more information. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking Plus account as a one-time payout credit within 60 days after meeting the conditions.

Rates & Fees

Upgrade Triple Cash Rewards Visa®

Credit Recommended:
(620+) Excellent, Good, Fair, Average
Apply Now on the Upgrade secure website.
Credit Recommended:
(620+) Excellent, Good, Fair, Average
Annual Fee
$0
Balance Transfer Fee
Up to 5%
Credit Recommended
(620+) Excellent, Good, Fair, Average
Apply Now on the Upgrade secure website.
Foreign Trans Fee
Up to 3%
Regular APR
14.99% - 29.99% APR
Late Payment Fee
$0

Highlights

  • $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*
  • 3% unlimited cash back on every purchase in Home, Health, and Auto categories
  • No annual fee
  • Enjoy Visa Signature benefits, like Roadside Dispatch, Price Protection, Extended Warranty and more
  • Up to 10% cash back from your favorite brands with Upgrade Shopping
  • No touch payments with contactless technology built in
  • See if you qualify in seconds with no impact to your credit score
  • Great for large purchases with predictable payments you can budget for
  • Mobile app to access your account anytime, anywhere
  • Use your card anywhere Visa is accepted
  • Relax knowing that you are protected in case of unauthorized transactions with Visa’s Zero Liability Policy
See additional details for Upgrade Triple Cash Rewards Visa®

*To qualify for the welcome bonus, you must open and fund a new Rewards Checking Plus account through Upgrade and make 3 qualifying debit card transactions from your Rewards Checking Plus account within 60 days of the date the Rewards Checking Plus account is opened. If you have previously opened a checking account through Upgrade or do not open a Rewards Checking Plus account as part of this application process, you are not eligible for this welcome bonus offer. Your Upgrade Card and Rewards Checking Plus account must be open and in good standing to receive a bonus. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade Visa® Debit Card Agreement and Disclosures for more information. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking Plus account as a one-time payout credit within 60 days after meeting the conditions.

Rates & Fees

Indigo® Mastercard® for Less than Perfect Credit

Credit Recommended:
Bad/Poor/Fair
Apply Now On the Indigo® Mastercard® secure website
Credit Recommended:
Bad/Poor/Fair
Annual Fee
$175 - $199
Regular APR
35.9%
Credit Recommended
Bad/Poor/Fair
Apply Now On the Indigo® Mastercard® secure website
Card Brand
Mastercard®
Foreign Trans Fee
1% of each transaction in U.S. dollars

Highlights

  • Now with higher credit limits
  • Increase your access to available credit
  • Higher limit than before, still no security deposit required!
  • Greater access to credit than before
  • Less than perfect credit is okay
  • Mobile account access at any time
  • Account history is reported to the three major credit bureaus in the U.S.

Southwest Rapid Rewards® Plus Credit Card

Credit Recommended (660-850):
Good/Excellent
Apply Now on the Chase secure website.
Credit Recommended (660-850):
Good/Excellent
Regular APR
20.74% - 27.74% Variable
Intro Rewards Bonus
$400 statement credit + 40,000 pts.
Annual Fee
$69
Apply Now on the Chase secure website.
Foreign Trans Fee
3% of each transaction in U.S. dollars
Credit Recommended
Good/Excellent
Balance Transfer Fee
Either $5 or 5% of the amount of each transfer, whichever is greater.

Highlights

  • Earn a $400 statement credit and 40,000 bonus points after spending $3,000 on purchases in the first 4 months from account opening.
  • 3,000 anniversary points each year.
  • Earn 2X points on Southwest® purchases.
  • Earn 2X points on local transit and commuting, including rideshare.
  • Earn 2X points on internet, cable, and phone services; select streaming.
  • 2 EarlyBird Check-In® each year.
  • Earn 1 point for every $1 spent on all other purchases.
  • Member FDIC
See additional details for Southwest Rapid Rewards® Plus Credit Card

Southwest Rapid Rewards® Priority Credit Card

Credit Recommended (660-850):
Good/Excellent
Apply Now on the Chase secure website.
Credit Recommended (660-850):
Good/Excellent
Regular APR
20.74% - 27.74% Variable
Intro Rewards Bonus
$400 statement credit + 40,000 pts.
Annual Fee
$149
Apply Now on the Chase secure website.
Foreign Trans Fee
$0
Credit Recommended
Good/Excellent
Product Type
Consumer Card

Highlights

  • Earn a $400 statement credit and 40,000 bonus points after spending $3,000 on purchases in the first 4 months from account opening.
  • 7,500 anniversary points each year.
  • Earn 3X points on Southwest® purchases.
  • Earn 2X points on local transit and commuting, including rideshare.
  • Earn 2X points on internet, cable, and phone services; select streaming.
  • $75 Southwest® travel credit each year.
  • No foreign transaction fees.
  • Member FDIC

PayPal Cashback Mastercard®

Credit Recommended:
Fair - Excellent
Apply Now on the PayPal secure website.
Credit Recommended:
Fair - Excellent
Regular APR
20.24% - 34.99% Variable, rates as of 9/1/24
Cash Advance APR
34.99% Variable, rates as of 9/1/2024
Annual Fee
$0
Apply Now on the PayPal secure website.
Credit Recommended
Fair - Excellent
Regular Transfer APR
N/A

Highlights

  • Earn 3% cash back on PayPal purchases and 1.5% everywhere else Mastercard is accepted. Purchases are subject to credit approval, and the PayPal Cashback Mastercard® must be used for payment. See Rewards Program Terms for details and eligibility criteria.
  • With the PayPal Cashback Mastercard, earn unlimited cash back at millions of merchants.
  • No restrictions. No rotating categories. No annual fee1.
  • Shop at millions of brands with PayPal to earn unlimited 3% cash back.
  • Earn rewards without the wait. Cash back is earned daily on completed purchases posted to your account. Redeem it to your PayPal balance, and spend it however you want. Important information on redeeming Cash Rewards: You need to have a PayPal Balance account to use your redeemed rewards in your balance. If you do not have that account, you can only transfer your Cash Rewards to your bank account or debit card linked to your account with PayPal.
  • Enjoy peace of mind with Mastercard benefits from Tap & Go® to 24/7 Identity Theft Protection™.
  • Applications are subject to credit approval. You must be at least 18 years old and reside in the US or its territories to apply.
  • 1See Terms and Rates for New Accounts
  • The Contactless Indicator mark, consisting of four graduating arcs, is a trademark owned by and used with permission of EMVCo, LLC.
  • The PayPal Cashback Mastercard is issued by Synchrony Bank pursuant to a license by Mastercard International Incorporated. Mastercard, Tap & Go and the circles design are registered trademarks of Mastercard International Incorporated.
Rates & Fees

Upgrade Life Rewards Visa®

Credit Recommended:
See website for Details*
Apply Now on the Upgrade secure website.
Credit Recommended:
See website for Details*
Annual Fee
$0
Intro Purchase APR
N/A
Regular APR
14.99% -29.99%
Apply Now on the Upgrade secure website.
Intro Transfer APR
N/A
Cash Advance APR
N/A
Cash Advance Fee
N/A

Highlights

  • $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*
  • 3% unlimited cash back on Gas, Groceries, Health, Streaming, and Utilities and unlimited 1% cash back on all other purchases
  • No annual fee
  • Pay no interest when you payoff your balance early each statement period*
  • Enjoy Visa Signature benefits, like Roadside Dispatch, Price Protection, Extended Warranty and more
  • Up to 10% cash back from your favorite brands with Upgrade Shopping
  • No touch payments with contactless technology built in
  • See if you qualify in seconds with no impact to your credit score
  • Great for everyday expenses and large purchases with predictable payments you can budget for
  • Mobile app to access your account anytime, anywhere
  • Use your card anywhere Visa is accepted
  • Relax knowing that you are protected in case of unauthorized transactions with Visa's Zero Liability Policy
See additional details for Upgrade Life Rewards Visa®

*To qualify for the welcome bonus, you must open and fund a new Rewards Checking Plus account through Upgrade and make 3 qualifying debit card transactions from your Rewards Checking Plus account within 60 days of the date the Rewards Checking Plus account is opened. If you have previously opened a checking account through Upgrade or do not open a Rewards Checking Plus account as part of this application process, you are not eligible for this welcome bonus offer. Your Upgrade Card and Rewards Checking Plus account must be open and in good standing to receive a bonus. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade Visa® Debit Card Agreement and Disclosures for more information. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking Plus account as a one-time payout credit within 60 days after meeting the conditions.

Rates & Fees
Advertiser Disclosure

Credit Cards For Good Credit

Do you have good credit? If so, that is great news. Credit cards within this credit category typically offer lower APRs, lower fees and a wide variety of rewards programs compared to those designed for lower credit quality. Choosing at low interest credit cards for good credit is the key to increasing your benefits. Not sure what your score is? Sign up for an account with CreditSoup to get your free credit score.

How to Look at a Credit Cards for Good Credit

When you have good credit (660-720 credit score**) you have a world of possibilities, at least as far as credit card offers are concerned. Credit card companies are in fierce competition for the chance to handle credit for responsible consumers. That means you can pick and choose among many excellent offers, selecting the one that is best for you. With so many options to choose from, it can take a lot of time and energy to be sure you're selecting the best offer. That's where CreditSoup can help.

One of the problems with being offered so many attractive options is that they all have different incentives and terms. Take the time to compare:

  • Introductory rates and how long they last
  • Interest rates
  • Annual fees and origination fees, especially for access to certain benefits
  • Balance transfer rates and fees
  • Rewards programs and how you can accrue them
  • Grace periods and late fees

Keep in mind that some cards will have features that you like better than others. One card may give you six months with no interest but charge a hefty annual fee. Then, once the introductory rate expires, the APR may not be attractive relative to other offers. Another card offers a satisfactory fixed rate and no annual cost but carries an annual fee.

How can you tell which is the better offer? The trick is to think about how you plan to use the card, and then pick the one that best matches your expectations. The right choice for people who pay their bills in full each month may be different from those who may carry balances month to month. You might decide you would rather take the card with the annual fee that gives you benefits you will definitely use, or you may prefer the one that keeps all of your costs down.

Maximize Benefits Without Damaging Your Credit

If better credit cards are supposed to be a reward for attaining good credit, make sure you can keep it that way. Look through the potential offers and narrow it to a few top options. Applying for a new credit card every now and then is not likely to affect your credit by a huge margin. Making several card applications at once could negatively impact your credit score, though, because lenders may consider that as a red flag that you are in financial trouble.

Once you get the cards, be sure to use them responsibly. That means abiding by all the terms of the account agreement that the issuer mails you along with your new credit card. Credit utilization (the percentage of your available credit that you keep in debt) takes a much larger part of your credit score than new applications. If your credit usage goes up a lot and you accumulate much more revolving debt, that dip in your credit can take longer to resolve. A good rule of thumb is to keep your monthly credit line utilization below 30%.

At CreditSoup, we help sort these elements for you. Found in one simple place, we list some of the best credit cards for good credit.

*See online credit card application for details on the terms and conditions.

**Credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any credit card product.


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Advertiser Disclosure

CreditSoup is an independent, advertising-supported comparison service. The offers that appear on this site are from companies from which CreditSoup receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). CreditSoup does not include all companies or all offers available in the marketplace. CreditSoup may use other proprietary factors to impact offer listings on the website such as consumer selection or the likelihood of the applicant’s credit approval.

Editor’s Rating

Our editors review each credit card and provide our ratings based on the features the credit card offers consumers including the fees, interest rates, benefits, rewards, and how it compares to other credit cards in its category. Card ratings may vary by category as the same card may receive a different rating based on that category.

CreditSoup.com may be compensated by companies mentioned on our site when a consumer’s application is accepted or approved by the company.