Credit Cards for Excellent Credit
Credit cards for excellent credit are intended for those with a FICO score above 730. The below are credit card offers chosen by the CompareCards.com editor team which reflect the most consumer value for excellent credit applicants.
- Compare the top prime credit card offers for Excellent credit (credit score: +730)
- Independent ratings and reviews
- Secure and immediate online application process
- Intro APR NA*
- Intro BT APR NA*
Highlights:
- $200 cash back after $500 in purchases within the first 3 months of account opening
- 5% cash back on fitness club, health care, and utilities purchases from 1/1/2012 to 3/31/2012 upon enrollment.
- Each quarter, you can enroll to earn additional cash back in popular categories.
- Full 1% cash back on all other purchases and eligible cash advances.
- No annual fee*
| Intro APR: | Balance Transfer: | Regular APR: | Annual Fee: | Credit Needed: |
| NA* | NA* | 12.99%-22.99%* (Variable) | None | Excellent |
- Intro APR N/A*
- Intro BT APR N/A*
Highlights:
- $150 in gift cards - When you redeem the 15,000 bonus ThankYou® Points received after $1,000 in purchases within 3 months of account opening
- 5 ThankYou Points for every $1 spent on purchases at gas stations, supermarkets and drugstores for 12 months and 1 point for every $1 spent thereafter and for all other purchases*
- Enjoy no limit on the number of points you can earn
- Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more
- No annual fee*
| Intro APR: | Balance Transfer: | Regular APR: | Annual Fee: | Credit Needed: |
| N/A* | N/A* | 12.99%-22.99%* (Variable) | None | Excellent |
- Intro APR N/A*
- Intro BT APR N/A*
Highlights:
- Money® Magazine's "Most Rewarding Card if you crave free airline flights"
- 2 miles per dollar on every purchase, every day
- Earn 10,000 bonus miles, equal to $100 in travel
- Redeem your miles for any travel expense
- No limit on the miles you can earn and miles won't expire
- Fly free on any airline, any time with no blackout dates
- No foreign transaction fees
- $0 intro annual fee for the first year; $59 after that
| Intro APR: | Balance Transfer: | Regular APR: | Annual Fee: | Credit Needed: |
| N/A* | N/A* | 11.9% - 19.9% (V)* | $0 intro for first year; $59 after that | Excellent |
- Intro APR 0% until May 2013
- Intro BT APR 0% until May 2013
Highlights:
- 0% intro APR until May 2013 on balance transfers
- 0% intro APR until May 2013 on purchases
- No annual fee
- $0 Fraud Liability if your card is lost or stolen
- 24-hour travel & emergency assistance gives you a replacement card and cash advance
- 24-hour roadside assistance
- Travel accident insurance
- Pick an image for your card—choose the one shown here, any of the hundreds in our collection, or add your own
| Intro APR: | Balance Transfer: | Regular APR: | Annual Fee: | Credit Needed: |
| 0% until May 2013 | 0% until May 2013 | 10.9% - 18.9% (V)* | None | Excellent |
- Intro APR N/A*
- Intro BT APR N/A*
Highlights:
- This offer is for people with a good to excellent credit history which means, among other things, that your credit history is clear of bankruptcy and seriously delinquent accounts
- Earn $200 Bonus Cash Back after you make $500 in purchases in your first 3 months
- 5% Cash Back on up to $1,500 spent at gas stations and on Amazon.com from 1/1/12 - 3/31/12.
- You'll enjoy new 5% categories every 3 months like grocery stores, restaurants and even airlines. It's free and easy to activate your bonus each quarter!
- Unlimited 1% Cash Back on all other purchases
- Up to an additional 10% Cash Back when you shop online at select merchants through Chase
- No annual fee and rewards never expire
| Intro APR: | Balance Transfer: | Regular APR: | Annual Fee: | Credit Needed: |
| N/A* | N/A* | 15.99%-22.99%*(Variable) | None | Excellent |
- Intro APR 0% for 15 Months*
- Intro BT APR 0% for 15 Months*
Highlights:
- 0% intro APR on purchases and balance transfers for 15 months, then the variable standard purchase APR of 10.99% - 20.99%*
- 5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply*
- Up to 20% Cashback Bonus at popular retailers when you shop online through Discover.com
- Discover is ranked #1 in customer loyalty--15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report)
- 24/7 access to a U.S.-based Account Manager within 60 seconds
- $0 Fraud Liability plus automatic mobile and email fraud alert options
- Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
- *Click apply to view rates, fees, rewards, limitations and other important information
| Intro APR: | Balance Transfer: | Regular APR: | Annual Fee: | Credit Needed: |
| 0% for 15 Months* | 0% for 15 Months* | 10.99% - 20.99% (Variable)* | None | Excellent |
- Intro APR 0% for 18 Months
- Intro BT APR 0% for 18 Months
Highlights:
- 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 11.99%-21.99% based upon your creditworthiness.*
- 24/7 access to personalized concierge service providing assistance in booking hotel, flights, concert tickets and much more
- Special access for Citi cardmembers to purchase presale tickets, preferred seating, VIP packages, and other unforgettable live entertainment experiences through Citi Private Pass®
- Exciting deals and savings for great brands through Citi Specials
- $0 liability on unauthorized purchases and Citi® Identity Theft Solutions
- No annual fee*
| Intro APR: | Balance Transfer: | Regular APR: | Annual Fee: | Credit Needed: |
| 0% for 18 Months | 0% for 18 Months | 11.99%-21.99%* (Variable) | None | Excellent |
- Intro APR 0% until February 2013*
- Intro BT APR 0% until February 2013*
Highlights:
- $100 Bonus after you spend $500 in the first 3 months
- 50% bonus on the cash back you earn every year
- 1% cash back on all purchases
- No annual fee
- Earn unlimited cash rewards that don't expire
- Redeem cash rewards anytime for any amount, even set up automatic redemption
- Personalize your card with an image of your choice
- 0% intro APR on purchases and balance transfers until February 2013.
- Intro APR 0% until February 2012*
- Intro BT APR N/A*
Highlights:
- 1.25 miles per dollar on every purchase, every day
- Earn 10,000 bonus miles, equal to $100 in travel
- Redeem miles for airline tickets, hotel rooms, car rentals and more
- No limit on the miles you can earn and miles won't expire
- Fly free on any airline, any time with no blackout dates
- 0% intro APR on purchases until February 2012
- No foreign transaction fees
- No annual fee
| Intro APR: | Balance Transfer: | Regular APR: | Annual Fee: | Credit Needed: |
| 0% until February 2012* | N/A* | 11.9% - 19.9% (V)* | None | Excellent |
- Intro APR N/A*
- Intro BT APR 0%
Highlights:
- Limited Time Offer - Earn 50,000 bonus points after you spend $3,000 in the first 3 months- that's $625 toward travel!
- 2 points per dollar spent on travel and dining & 1 point per dollar spent on all other purchases.
- Use 20% fewer points when you redeem for travel. Just book your flight, cruise, or other travel through Ultimate RewardsSM
- No foreign transaction fees
- Earn a 7% annual points dividend - even on points already redeemed
- Transfer points you've earned to participating frequent traveler programs at a 1:1 value
- 24/7 direct access to expert service advisors (No voice recording)
- No Annual Fee for your first year - A $95 value
| Intro APR: | Balance Transfer: | Regular APR: | Annual Fee: | Credit Needed: |
| N/A* | 0% | 15.24% *(Variable) | $95, waived first year | Excellent |
- Intro APR N/A*
- Intro BT APR 0.00*
Highlights:
- Membership Rewards® bonus: 15K points, redeemable for select gift cards valued at $150, when you spend $1,000 in your first three months of card membership
- Membership Rewards® points multiply fast! Earn 3X points on airfare, 2X points on gas and groceries, 1X points on everything else
- Exclusive access to Gold Card Destinations and events- Enjoy special travel packages and amenities at hotels worldwide, as well as select concerts, shows, major sporting events
- Introductory annual fee of $0 for the first year, then $175
- Get approved in 60-seconds.
| Intro APR: | Balance Transfer: | Regular APR: | Annual Fee: | Credit Needed: |
| N/A* | 0.00* | N/A* | Introductory annual fee of $0 for the first year, then $175 | Excellent |
- Intro APR 0%* for 12 Months*
- Intro BT APR 0%* for 12 Months*
Highlights:
- Receive a $150 Restaurant.com Gift Certificate with first purchase
- 0% intro APR on purchases and balance transfers for 12 months, then the variable standard purchase APR of 10.99% - 20.99%*
- 2% automatically at any gas station and any restaurant all year long*
- Plus, up to 20% Cashback Bonus at popular online retailers when you shop through Discover.com
- Discover is ranked #1 in customer loyalty--15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report)
- 24/7 access to a U.S.-based Account Manager within 60 seconds
- Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
- *Click apply to view rates, fees, rewards, limitations and other important information
| Intro APR: | Balance Transfer: | Regular APR: | Annual Fee: | Credit Needed: |
| 0%* for 12 Months* | 0%* for 12 Months* | 10.99% - 20.99% (Variable)* | None | Excellent |
- Intro APR 0%
- Intro BT APR 0%*
Highlights:
- $100 in gift cards - When you redeem the 10,000 bonus ThankYou® Points received after you make $650 in purchases and sign up for paperless statements within the first 3 months
- 0% intro APR for 12 months on balance transfers and for 7 months on purchases. After that, 12.99% - 22.99% variable
- 5 points for every $1 spent at restaurants and on books, movies and music. 1 point for every $1 you spend on all other purchases
- APR reduction on purchases when using credit wisely
- No Annual Fee*
| Intro APR: | Balance Transfer: | Regular APR: | Annual Fee: | Credit Needed: |
| 0% | 0%* | 12.99%-22.99%* (Variable) | None | Excellent |
- Intro APR 0% on Purchases
- Intro BT APR N/A*
Highlights:
- American Express® Card and Costco Membership Card in one- with no annual fee for Costco members
- Cash back on the things you buy: 3% for the first $3,000 in annual gasoline purchases (1% thereafter), 2% for restaurants, 2% for travel, and 1% everywhere else, including Costco
- Rated 4.5 out of 5 stars in overall satisfaction by current TrueEarnings® Cardmembers from Costco and American Express
| Intro APR: | Balance Transfer: | Regular APR: | Annual Fee: | Credit Needed: |
| 0% on Purchases | N/A* | 15.24% variable | None | Excellent |
- Intro APR N/A*
- Intro BT APR 0.00*
Highlights:
- Earn points even faster to get more rewards for your business
- 3X points on airfare, 2X points on advertising, gas, and shipping , 1X points on everything else
- One million rewards from over 500 brands
- Unlimited Rewards Potential- there is no limit to the number of points you can earn and points do not expire
- 24/7 support for everything from identity theft to travel emergencies
- $0 introductory annual fee for the first year, then $175
- Get unlimited Additional Gold Cards for an additional annual fee of $50- and this fee is waived for the first year
| Intro APR: | Balance Transfer: | Regular APR: | Annual Fee: | Credit Needed: |
| N/A* | 0.00* | N/A* | $0 introductory annual fee for the first year, then $175 | Excellent |
- Intro APR N/A
- Intro BT APR 0.00*
Highlights:
- Earn 30,000 American Airlines AAdvantage® bonus miles after $750 in purchases within the first 4 months of cardmembership - more than enough for a roundtrip domestic flight award*
- Earn an additional 10,000 AAdvantage® bonus miles after $5,000 in purchases during the first 6 months of cardmembership*
- Receive a one-time $100 statement credit for the first eligible American Airlines purchase you make within the first 12 months of cardmembership*
- $85 annual fee waived for the first 12 months*
| Intro APR: | Balance Transfer: | Regular APR: | Annual Fee: | Credit Needed: |
| N/A | 0.00* | 15.24% Variable* | $85, waived for the first 12 months* | Excellent |
- Intro APR N/A*
- Intro BT APR 9.99*
Highlights:
- Earn 30,000 bonus miles toward Award Travel when you spend $500 on the Card in the first three months from account opening
- $0 intro annual fee for the first year, then $95
- Check your first bag Free - for up to 9 people on your reservation - on every Delta flight
- Receive double miles on Delta purchases and 1 mile for all other eligible dollars spent
- Priority Boarding and 20% In-Flight Savings
| Intro APR: | Balance Transfer: | Regular APR: | Annual Fee: | Credit Needed: |
| N/A* | 9.99* | 15.24% - 19.24% Variable | $0 intro annual fee for the first year, then $95 | Excellent |
- Intro APR N/A*
- Intro BT APR 0.00*
Highlights:
- Earn 10K Membership Rewards® points, redeemable for select gift cards valued at $100, when you spend $1,000 in your first 3 months of Card membership
- Exclusive access to Gold Card Events- select concerts, shows, major sporting events, and more
- Purchase Protection covers loss, theft, and damage of eligible items within 90 days of purchase
- Redeem Membership Rewards® points for an exclusive array of travel, shopping, dining and entertainment rewards.
- Get approved in 60-seconds.
| Intro APR: | Balance Transfer: | Regular APR: | Annual Fee: | Credit Needed: |
| N/A* | 0.00* | N/A* | $125 annual fee | Excellent |
- Intro APR 0% for 15 Months*
- Intro BT APR 0% for 15 Months*
Highlights:
- Earn Cashback Bonus® for your good credit management
- 0% intro APR on purchases and balance transfers for 15 months, then the variable standard purchase APR of 10.99% - 20.99%*
- Up to 20% Cashback Bonus at popular retailers when you shop online through Discover.com
- Discover is ranked #1 in customer loyalty--15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report)
- 24/7 access to a U.S.-based Account Manager within 60 seconds
- $0 Fraud Liability plus automatic mobile and email fraud alert options
- Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
- *Click apply to view rates, fees, rewards, limitations and other important information
| Intro APR: | Balance Transfer: | Regular APR: | Annual Fee: | Credit Needed: |
| 0% for 15 Months* | 0% for 15 Months* | 10.99% - 20.99% (Variable)* | None | Excellent |
- Intro APR 0% for 6 Months*
- Intro BT APR 0% fir 6 Months*
Highlights:
- Earn up to $250 in travel rewards--1,000 Bonus miles every month you make a purchase for the first 25 months
- Double Miles on every $1 you spend
- 0% intro APR on purchases and balance transfers for 6 months, then the variable standard purchase APR of 10.99% - 16.99%*
- No restrictions on travel--fly on any airline, book any hotel or car, with no blackout dates
- Flexible redemption options like travel credits, merchandise, gift cards or cash
- Travel Insurance benefits, including primary car rental, lost or damaged luggage, travel delay, and trip cancellation when you book with your Escape by Discover card
- Discover is ranked #1 in customer loyalty--15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report)
- *Click apply to view rates, fees, rewards, limitations and other important information
| Intro APR: | Balance Transfer: | Regular APR: | Annual Fee: | Credit Needed: |
| 0% for 6 Months* | 0% fir 6 Months* | 10.99%-16.99% (Variable)* | $60.00* | Excellent |
- Intro APR 0%
- Intro BT APR N/A*
Highlights:
- 3 points per dollar spent on eligible Orbitz.com bookings
- Get 1 point per dollar on all other purchases
- Bonus points on eligible Orbitz.com bookings
- No limit on the points you can earn and points don't expire
- Redeem for travel, merchandise, gift cards and more
- Earn travel quickly with low redemption minimums
- 250 point refueling bonus when you redeem points for awards
- No annual fee
| Intro APR: | Balance Transfer: | Regular APR: | Annual Fee: | Credit Needed: |
| 0% | N/A* | 13.9% - 19.9% (V)* | None | Excellent |
- Intro APR N/A*
- Intro BT APR 0.00%*
Highlights:
- 25,000 Membership Rewards® points when you spend $1,000 during your first three months of Card membership
- Global Travel benefits: Priority Pass select airport club access, No Foreign Transaction Fees, Global Entry expedited U.S. immigration pass
- Up to $200 in Airline Fee Credits annually to cover incidental charges on your airline of choice, including checked - baggage fee
- 24/7 Platinum Card® Concierge service for assistance with reservations, travel, gifts, and more
- Fine hotels & Resorts Program: exclusive upgrades and amenities at over 700 boutique, resort, and luxury hotels worldwide
| Intro APR: | Balance Transfer: | Regular APR: | Annual Fee: | Credit Needed: |
| N/A* | 0.00%* | N/A* | $450.00* | Excellent |
- Intro APR See Terms*
- Intro BT APR See Terms*
Highlights:
- Earn 20,000 bonus miles with your first purchase and an additional 5,000 bonus miles when you add two Additional Card members to your account - redeem 25,000 miles for a flight
- No mileage earning limit, and miles don't expire
- Check your first bag free on every Delta flight
- Annual complimentary companion ticket
- Rated 4 out of 5 stars in Overall Satisfaction Rating, based on feedback from current Platinum Delta SkyMiles (R) Credit Cardmembers from American Express
| Intro APR: | Balance Transfer: | Regular APR: | Annual Fee: | Credit Needed: |
| See Terms* | See Terms* | 14.5% variable | $150 per year | Excellent |
- Intro APR None*
- Intro BT APR N/A*
Highlights:
- Excellent Credit Required - Applicants that do not have excellent credit will not be approved
- Low 9.25% variable standard purchase APR and platinum benefits
- No balance transfer fee for balances transferred in response to this online offer
- Travel Rewards - cardholders who enroll in the program receive one point per net dollar spent
- Choose any U.S. based airline or ticket class. No blackout dates or seating restrictions
- Other travel related options are hotels, cruises, vacation packages, car rental, and restaurants
- No Annual Fee
| Intro APR: | Balance Transfer: | Regular APR: | Annual Fee: | Credit Needed: |
| None* | N/A* | 9.25%* (V) | None | Excellent |
- Intro APR See Terms*
- Intro BT APR See Terms*
Highlights:
- Earn 10,000 Medallion(R) Qualification Miles (MQMs) with your first purchase, and Miles Boosts(SM) of up to 30,000 MQMs when you spend $60,000 in a calendar year
- Annual complimentary First-Class companion ticket with Card renewal
- Delta Sky Club(TM) access for you and your guests
- Check your first bag free on every Delta flight
- Rated 4 out of 5 stars in Overall Satisfaction Rating, based on feedback from current Delta Reserve Credit Cardmembers from American Express
| Intro APR: | Balance Transfer: | Regular APR: | Annual Fee: | Credit Needed: |
| See Terms* | See Terms* | 14.5% variable | $450 per year | Excellent |
- Intro APR None*
- Intro BT APR N/A*
Highlights:
- Excellent Credit Required - Applicants that do not have excellent credit will not be approved
- Low 7.25% variable standard purchase APR and platinum benefits
- No balance transfer fee for balances transferred in response to this online offer
- No Annual Fee
| Intro APR: | Balance Transfer: | Regular APR: | Annual Fee: | Credit Needed: |
| None* | N/A* | 7.25%* (V) | None | Excellent |
- Intro APR 0% intro APR on purchases*
- Intro BT APR N/A*
Highlights:
- Earn 5 points per $1 spent on entertainment like music, movies, video game rentals, and sporting events
- Earn 2 points per $1 spent at restaurants, fast food places, and coffee shops
- 1 point per $1 spent on everything else
- 25 bonus points each billing period you keep your account in good standing by paying on time
- Exclusive MTV rewards, such as MTV merchandise, tickets to MTV events like the VMAs, and MTV show tapings
- Also, redeem for Travel, Merchandise, Gift Cards and more
- 0% intro APR - pay no interest on purchases until February 2013
- No annual fee
| Intro APR: | Balance Transfer: | Regular APR: | Annual Fee: | Credit Needed: |
| 0% intro APR on purchases* | N/A* | 13.9% - 19.9% (V)* | None | Excellent |
- Intro APR 0%
- Intro BT APR N/A*
Highlights:
- No annual fee
- Travel rewards with no blackout dates or travel restrictions. Redeem with any airline, any car rental, any hotel- anytime
- Pay your bill all at once, or over time. It's up to you.
- Blue Savings Program®: big deals on big brands, all the time
- Rated "Best Airline Credit Card" by Card Ratings Consumer's Choice Awards in 2010
- Get approved in 60-seconds
| Intro APR: | Balance Transfer: | Regular APR: | Annual Fee: | Credit Needed: |
| 0% | N/A* | 17.24%-22.24% Variable | None | Excellent |
- Intro APR N/A*
- Intro BT APR 0%*
Highlights:
- Earn 30,000 bonus ThankYou(r) Points after $2,000 in purchases within 3 months of account opening - enough for $300 in gift cards
- 1 ThankYou point for every dollar you spend on purchases
- Earn points for the miles you fly when you purchase a ticket with your Citi ThankYou Premier Card.
- No foreign transaction fees on purchases*
- Annual complimentary domestic companion ticket within the continental USA, when booked through our travel benefits provider, Spirit Incentives
- No points cap and no expiration of points
| Intro APR: | Balance Transfer: | Regular APR: | Annual Fee: | Credit Needed: |
| N/A* | 0%* | 13.99%-21.99%* (Variable) | 125.00 | Excellent |
- Intro APR 0%*
- Intro BT APR 0.00*
Highlights:
- This offer is for people with a good to excellent credit history which means, among other things, that your credit history is clear of bankruptcy and seriously delinquent accounts
- Earn $100 Bonus Cash Back after you make $500 in purchases in your first 3 months
- 0% Intro APR for 12 months on balance transfers and 6 months on purchases
- 5% Cash Back on up to $1,500 spent at gas stations and on Amazon.com from 1/1/12 - 3/31/12.
- You'll enjoy new 5% categories every 3 months like grocery stores, restaurants and even airlines. It's free and easy to activate your bonus each quarter!
- Unlimited 1% Cash Back on all other purchases without limits on what you can earn and up to an additional 10% Cash Back when you shop online at select merchants through Chase
- No annual fee and rewards never expire
| Intro APR: | Balance Transfer: | Regular APR: | Annual Fee: | Credit Needed: |
| 0%* | 0.00* | 11.99%-22.99%*(Variable) | None | Excellent |
- Intro APR 0%* for 6 Months
- Intro BT APR 0%* for 18 Months
Highlights:
- 0% intro APR on purchases for 6 months, then the variable standard purchase APR of 10.99% - 20.99%*
- 0% intro APR on balance transfers for 18 months, then the variable standard purchase APR of 10.99% - 20.99%*
- 5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply*
- Discover is ranked #1 in customer loyalty--15 years in row! (2011 Brand Keys Customer Loyalty Engagement Index report)
- 24/7 access to a U.S.-based Account Manager within 60 seconds
- $0 Fraud Liability plus automatic mobile and email fraud alert options
- Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
- *Click apply to view rates, fees, rewards, limitations and other important information
| Intro APR: | Balance Transfer: | Regular APR: | Annual Fee: | Credit Needed: |
| 0%* for 6 Months | 0%* for 18 Months | 10.99% - 20.99% (Variable)* | None | Excellent |
- Intro APR 0%
- Intro BT APR N/A*
Highlights:
- Earn a $100 cash back bonus after spending $1,000 in eligible purchases in the first 3 months of Cardmembership
- 0% intro APR on purchases for 12 months, flexibility to pay over time
- Get 3% cash back at supermarkets, 2% cash back at gas stations and department stores, and 1% cash back on all other purchases
- No spend minimum, No enrollment, and No rotating rewards categories
- Get a $25 Referral Bonus for each friend or family member who is approved for the Card
- No annual fee, flexibility to pay over time
| Intro APR: | Balance Transfer: | Regular APR: | Annual Fee: | Credit Needed: |
| 0% | N/A* | 17.24%-22.24% Variable | None | Excellent |
- Intro APR 0% for 18 Months*
- Intro BT APR 0% for 18 Months*
Highlights:
- 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 12.99% - 21.99% based on your creditworthiness.
- Peace of mind through direct access to a service representative, no late fees and no penalty rate
- No annual fee
| Intro APR: | Balance Transfer: | Regular APR: | Annual Fee: | Credit Needed: |
| 0% for 18 Months* | 0% for 18 Months* | 12.99 - 21.99%* (Variable) | None | Excellent |
- Intro APR N/A*
- Intro BT APR N/A*
Highlights:
- 22,500 Bonus Points after your first purchase, redeemable for up to 3 free nights; plus receive a free night stay e-certificate upon account approval for a total of up to 4 free nights!
- Earn 3 points for every $1 spent at Marriott® locations
- Earn 1 point for every $1 spent on other eligible purchases
- Card members achieve silver elite status with exclusive benefits
- Redeem Marriott Rewards points at other Marriott properties including Renaissance Hotels, Courtyard, Residence Inn, and Fairfield Inn & Suites
- No Annual fee for you first year - that's a $30 value
| Intro APR: | Balance Transfer: | Regular APR: | Annual Fee: | Credit Needed: |
| N/A* | N/A* | 14.24%*(Variable) | 30.00 | Excellent |
Highlights:
- Earn 5x Points on the first $25,000 in spend annually on office supplies, wireless services, landline communication and cable services
- Earn 2x Points on the first $25,000 in spend annually on fuel and lodging
- Unlimited 1 point per dollar on all other purchases
- Redeem points for travel, experiences, gift cards, merchandise, and more; rewards never expire.
- 0% Intro APR for 6 months for purchases and balance transfers*
-
No annual fee*
| Intro APR: | Balance Transfer: | Regular APR: | Annual Fee: | Credit Needed: |
| 0% | 0% | 13.24%-19.24%*(Variable) | $0* | Excellent |
- Intro APR N/A*
- Intro BT APR N/A*
Highlights:
- 50,000 bonus points after you spend $5,000 in 3 months - that's $500 in rewards of your choice, or $625 towards airfare when you redeem online through our Ultimate Rewards booking tool
- No limit to the number of points you can earn - and points never expire
- 5X points per dollar on the first $50,000 spent annually on eligible business purchases
- No foreign transaction fees and Free Employee Cards
- No interest or over limit fees
- No Annual Fee in the first year - that's a $95 savings
| Intro APR: | Balance Transfer: | Regular APR: | Annual Fee: | Credit Needed: |
| N/A* | N/A* | N/A* | $0 for the first year, then $95* | Excellent |
- Intro APR N/A*
- Intro BT APR N/A*
Highlights:
- Earn up to 40,000 bonus miles & first year free ($95 value)*
- Now with priority boarding privileges on Continental and United flights
- Check your first bag for free on Continental and United flights, up to a $50 value
- Visit the United Club with two complimentary passes every year, a $100 value
- Earn 2 miles for $1 spent on tickets purchased from Continental and United and 1 mile per $1 everywhere else
- Your miles don't expire and there is no limit to the number of miles you can earn
| Intro APR: | Balance Transfer: | Regular APR: | Annual Fee: | Credit Needed: |
| N/A* | N/A* | 14.24% *(Variable) | $95, First Year Free* | Excellent |
- Intro APR N/A*
- Intro BT APR 0%
Highlights:
- Limited Time Offer - Earn 25,000 bonus points after you spend $3,000 in the first 3 months - that's $250 toward a flight or any other reward!
- 2 points per dollar spend on dining & 1 point per dollar spent on all other purchases.
- Points never expire and there are no limits on how many points you can earn
- Redeem points for travel, gift cards, merchandise, cash back and more
- 24/7 direct access to expert service advisors (No voice recording)
- No annual fee!
| Intro APR: | Balance Transfer: | Regular APR: | Annual Fee: | Credit Needed: |
| N/A* | 0% | 15.24% *(Variable) | None | Excellent |
- Intro APR 0% for 6 Months*
- Intro BT APR 0% for 6 Months*
Highlights:
- Earn up to $120 in travel rewards--1,000 Bonus miles every month you make a purchase for the first year
- 1 Mile on every $1 you spend - Plus flexible redemption options like travel credits, merchandise, gift cards or cash
- 0% intro APR on purchases and balance transfers for 6 months, then the variable standard purchase APR of 10.99% - 16.99%*
- No restrictions on travel--fly on any airline, book any hotel or car, with no blackout dates
- Travel benefits include secondary collision damage insurance when you rent a car with your Miles by Discover card
- Discover is ranked #1 in customer loyalty--15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report)
- Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
- *Click apply to view rates, fees, rewards, limitations and other important information
| Intro APR: | Balance Transfer: | Regular APR: | Annual Fee: | Credit Needed: |
| 0% for 6 Months* | 0% for 6 Months* | 10.99%-16.99% (Variable)* | None | Excellent |
- Intro APR 0%* for 12 Months
- Intro BT APR 0%* for 12 Months
Highlights:
- Limited Time Offer - $0 Balance Transfer Fee!*
- 0% intro APR on purchases and balance transfers for 12 months, then the variable standard purchase APR of 10.99% - 19.99%*
- 5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply*
- Up to 20% Cashback Bonus at popular retailers when you shop online through Discover.com
- Discover is ranked #1 in customer loyalty--15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report)
- 24/7 access to a U.S.-based Account Manager within 60 seconds
- Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
- *Click apply to view rates, fees, rewards, limitations and other important information
| Intro APR: | Balance Transfer: | Regular APR: | Annual Fee: | Credit Needed: |
| 0%* for 12 Months | 0%* for 12 Months | 10.99% - 19.99% (Variable)* | $0* | Excellent |
- Intro APR N/A*
- Intro BT APR N/A*
Highlights:
- Now! Earn a Free Flight after your first purchase
- Get 3,000 Points every year on your Card member Anniversary - that can be redeemed for a $50 Wanna Get Away® Fare
- Now you can redeem for International Travel, Hotels, Gift Cards and more.
- Earn unlimited free flights - 2 Points per $1 Spent on Southwest Purchases and 1 Point per $1 Spent on everything else
- Your Bags Fly Free! No Blackout Dates, Points Don't Expire, and Unlimited Reward Seats!
- No Change fees - if you need to change your flight, you won't be charged a fee.
- September 11th Security Fee Applies
| Intro APR: | Balance Transfer: | Regular APR: | Annual Fee: | Credit Needed: |
| N/A* | N/A* | 15.24%*(Variable) | $69.00* | Excellent |
- Intro APR 0% for 12 Months*
- Intro BT APR 0% for 12 Months*
Highlights:
- Limited Time: No Balance Transfer Fee!*
- Transfer your higher rate balances during the first 30 days your account is open and you will pay no balance transfer fee!
- After the first 30 days, the balance transfer fee is 3% of the amount transferred with a minimum of $5
- 0% Intro APR for up to 12 months - a variable APR as low as 11.99-21.99% after your 0% ends
- Slate with Blueprint helps you pay down your balances faster and save on interest
- Zero liability on unauthorized purchases*
- No Annual Fee*
| Intro APR: | Balance Transfer: | Regular APR: | Annual Fee: | Credit Needed: |
| 0% for 12 Months* | 0% for 12 Months* | 11.99%-21.99%*(Variable) | $0* | Excellent |
- Intro APR 0% for 12 Months*
- Intro BT APR 0% for 12 Months*
Highlights:
- $100 cash back after $500 in purchases within the first 3 months of account opening.
- 5% cash back on fitness club, health care, and utilities purchases from 1/1/2012 to 3/31/2012 upon enrollment. Each quarter, you can enroll to earn additional cash back in popular categories. To learn more, visit dividend.quarterlyoffer.citi.com.³
- 1% cash back on all other purchases.
- 5% additional cash back on average at over 400 stores through the Citi Bonus Cash Center®.
- No annual fee.¹
| Intro APR: | Balance Transfer: | Regular APR: | Annual Fee: | Credit Needed: |
| 0% for 12 Months* | 0% for 12 Months* | 12.99%-22.99%* (Variable) | None | Excellent |
- Intro APR 0% until December 2012*
- Intro BT APR N/A
Highlights:
- 5 points per $1 on Sony purchases at authorized retailers
- 3 points per $1 on dining out and movie purchases
- 1 point per $1 spent on all other purchases
- Redeem for Sony products, movies, music, and more
- Choose from 2 unique card designs
- 0% intro APR on purchases until December 2012
-
No annual fee
| Intro APR: | Balance Transfer: | Regular APR: | Annual Fee: | Credit Needed: |
| 0% until December 2012* | N/A | 13.9% - 24.9% (V)* | None | Excellent/Good |
- Intro APR 0% intro APR on purchases*
- Intro BT APR N/A*
Highlights:
- Get a 50% bonus on the miles you earn every year
- Earn 1 mile per dollar on every purchase, every day
- Save with 0% intro APR until August 2012
- Enjoy no annual fee
- Get online Quarterly and Year-End Summaries
- There's no limit to the amount of miles you can earn and miles don't expire
- Fly on any airline, anytime, with no blackout dates or seat restrictions
| Intro APR: | Balance Transfer: | Regular APR: | Annual Fee: | Credit Needed: |
| 0% intro APR on purchases* | N/A* | 14.9% - 19.9% (V)* | None* | Excellent |
- Intro APR N/A*
- Intro BT APR N/A*
Highlights:
- Earn 2 miles per dollar on every purchase, every day
- Get 10,000 bonus miles - just spend $1,000 within the first 3 months
- Receive 5,000 bonus miles by signing up for one or more employee cards
- Enjoy exclusive, award-winning customer service
- $0 intro annual fee for the first year; $59 after that
- There's no limit to the amount of miles you can earn and miles don't expire
- Redeem miles for travel, cash back, gift cards, merchandise, and more
- Fly on any airline, anytime, with no blackout dates or seat restrictions
| Intro APR: | Balance Transfer: | Regular APR: | Annual Fee: | Credit Needed: |
| N/A* | N/A* | 13.9% (V)* | $0 intro for first year; $59 after that | Excellent |
- Intro APR 0% intro APR on purchases*
- Intro BT APR N/A*
Highlights:
- Get a 50% bonus on the cash back you earn every year
- Earn 1% cash back on every purchase, every day
- Save with 0% intro APR on purchases until August 2012
- Enjoy no annual fee
- Get online Quarterly and Year-End Summaries
- Redeem cash rewards anytime, for any amount, even set up automatic redemption
- Earn unlimited cash rewards that don't expire
| Intro APR: | Balance Transfer: | Regular APR: | Annual Fee: | Credit Needed: |
| 0% intro APR on purchases* | N/A* | 14.9% - 19.9% (V)* | None* | Excellent |
- Intro APR N/A*
- Intro BT APR N/A*
Highlights:
- Earn 2% cash back on every purchase, every day
- Get a $100 cash bonus - just spend $1,000 within the first 3 months
- Receive a $50 cash bonus by signing up for one or more employee cards
- Enjoy award-winning small business customer service
- $0 intro annual fee for the first year; $59 after that
- Redeem cash rewards anytime, for any amount, even set up automatic redemption
- Earn unlimited cash rewards that don't expire
| Intro APR: | Balance Transfer: | Regular APR: | Annual Fee: | Credit Needed: |
| N/A* | N/A* | 13.9% (V)* | $0 intro for first year;$59 after that | Excellent |
- Intro APR 0% for 15 Months
- Intro BT APR 0% for 15 Months
Highlights:
- Enjoy 0% Intro APR on Balance Transfers and Purchases for 15 months. After that, the variable APR will be 12.99% - 22.99% based upon your creditworthiness*
- Earn 1 ThankYou Point for every $1 you spend on purchases.
- Earn an anniversary bonus on points earned from purchases every year*
- Enjoy no limit on the number of points you can earn
- Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more
- No annual fee*
| Intro APR: | Balance Transfer: | Regular APR: | Annual Fee: | Credit Needed: |
| 0% for 15 Months | 0% for 15 Months | 13.99%-21.99%* (Variable) | None | Excellent |
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Credit Cards for Excellent Credit
Those who have exceptionally good credit may want to apply for credit cards that especially cater to people with above average credit scores and stellar credit histories. Credit card companies will usually offer special perks, features, interest rates, and other preferential service to those who qualify for prime credit cards.
By federal law you are allowed to access your credit reporting files free of charge once a year. For a small fee you can see them more than once per year and can also gain access to your FICO score – which is commonly referred to as your credit score. Credit scores for excellent credit range from 730 to 850 and are determined by using a proprietary algorithm which factors in several components of credit worthiness. If your score is above 700 that’s quite good, and if it is above 730 then your credit is considered excellent.
To maintain your high rating follow the tips on how to preserve your credit. If you need help to improve your credit score to qualify for an excellent credit credit card, then take advantage of the many free, user-friendly financial management resources, articles, and tools that we offer. Once you have earned excellent credit you have a wide range of reward card options as well as promotional 0 percent introductory APRs which come with very attractive ongoing interest rates – typically around 12%.
