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Best Credit Cards for Excellent Credit

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Citi® Diamond Preferred® Card – 21 Month Intro Offer on BT and Purchases

 

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4.2/5.0 from 1,943 Offer Ratings
Over the Past 60 Days!

(1,943) Over the Past 60 Days!
  • Intro Purchase APR 0%* for 21 months on Purchases*
  • Intro BT APR 0%* for 21 months on Balance Transfers*
  • Regular Purchase APR 13.99% - 23.99%* (Variable)
  • Annual Fee $0*
  • Credit Needed Excellent/Good
  • Card Brand Mastercard®

Highlights

  • Click "APPLY NOW" to apply online or call 877-836-4537 TTY: Use Relay Service
  • Get 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the variable APR will be 13.99% - 23.99% based upon your creditworthiness* 
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer 
  • Citi® Price Rewind searches for lower prices online for 60 days for your registered purchases: you can get back up to $500 per item and $2,500 a year*
  • $0 liability on unauthorized purchases and Citi® Identity Theft Solutions 
  • No annual fee*
  • Free access to FICO® Scores*

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Discover it® Miles

 

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3.9/5.0 from 482 Offer Ratings
Over the Past 60 Days!

(482) Over the Past 60 Days!
  • Bonus Miles We'll match all the Miles you've earned at the end of your first year.*
  • Rewards Rate 1.5 Miles per $1 Spent*
  • Redeeming is Easy Redeem miles for cash or travel credit*
  • Annual Fee $0
  • Credit Needed Excellent/Good Credit
  • Card Brand Discover

Highlights

  • New! Free Social Security Number alerts, we’ll monitor thousands of risky websites when you sign up.*
  • Match Mile For Mile: We’ll match all the Miles you’ve earned at the end of your first year. For example, if you earn 30,000 Miles, you get 60,000 Miles.
  • Unlimited 1.5x Miles per dollar on all purchases, every day, with no annual fee.
  • No Blackout Dates - fly any airline, stay at any hotel.
  • Redeem your Miles as a statement credit towards travel purchases.
  • Freeze your account in seconds with an on/off switch either on the mobile app or website to prevent new purchases, cash advances, and balance transfers.
  • Get your FICO® Credit Score for free on monthly statements, on mobile and online.
  • No Annual Fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Discover Match® details & other information.

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Capital One® VentureOne® Rewards Credit Card

 

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4.3/5.0 from 630 Offer Ratings
Over the Past 60 Days!

(630) Over the Past 60 Days!
  • Rewards Rate 1.25 Miles per dollar on every purchase, every day
  • Intro Purchase APR 0% intro on purchases for 12 months
  • Regular Purchase APR 12.99% - 22.99% (Variable)
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Visa®

Highlights

  • Click "APPLY NOW" to apply online
  • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within 3 months from account opening, equal to $200 in travel
  • Earn unlimited 1.25 miles per dollar on every purchase, every day and pay no annual fee
  • Fly any airline, stay at any hotel, anytime
  • Enjoy a low intro APR on purchases for 12 months; 12.99%-22.99% variable APR after that
  • Travel when you want with no blackout dates
  • No foreign transaction fees
  • Miles won't expire for the life of the account and there's no limit to how many you can earn

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Wells Fargo Cash Wise Visa® Card

 

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Your Rating:

3.7/5.0 from 146 Offer Ratings
Over the Past 60 Days!

(146) Over the Past 60 Days!
  • Rewards Rate Unlimited 1.5% Cash Back*
  • Sign Up Bonus Earn $200 cash rewards bonus*
  • Mobile Wallet Rate Enjoy 1.8% cash rewards on Android Pay™ or Apple Pay™ *
  • Annual Fee $0
  • Credit Needed Good/Excellent
  • Card Brand Visa®

Highlights

  • Click "APPLY NOW" to apply online
  • Earn a $200 cash rewards bonus after spending $1,000 in the first 3 months
  • Earn unlimited 1.5% cash rewards on purchases
  • Enjoy 1.8% cash rewards on qualified mobile wallet purchases, like Apple Pay® or Android Pay™, during the first 12 months from account opening
  • No category restrictions or sign ups and cash rewards don't expire as long as your account remains open
  • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Cash Wise Visa® Card
  • 0% Intro APR for 12 months on purchases and balance transfers, then a 13.99%-25.99% variable APR; balance transfer fees apply
  • $0 Annual Fee
  • Select "Apply Now" to learn more about the product features, terms, and conditions

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Chase Sapphire Preferred® Card

 

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Your Rating:

3.8/5.0 from 356 Offer Ratings
Over the Past 60 Days!

(356) Over the Past 60 Days!
  • Bonus Rewards 50,000 bonus points
  • Rewards Rate 2X points on travel and dining
  • Bonus Perks 1:1 point transfer to leading airline and hotel loyalty programs
  • Annual Fee $0 Intro for the First Year, then $95
  • Credit Needed Excellent
  • Card Brand Visa®

Highlights

  • Click "APPLY NOW" to apply online
  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards

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Susan G. Komen® Credit Card

 

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Your Rating:

4.0/5.0 from 2 Offer Ratings
Over the Past 60 Days!

(2) Over the Past 60 Days!
  • Intro Purchase APR 0% Introductory APR on purchases for 12 billing cycles
  • Intro BT APR 0% Intro APR for 12 billing cycles for balance transfers made in the first 60 days
  • Regular APR 13.99% - 23.99% Variable APR on purchases and balance transfers
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Visa®

Highlights

  • Click "APPLY NOW" to apply online
  • $150 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • From June 2015 through December 2020, Bank of America is guaranteeing to Susan G. Komen® $3 million in conjunction with its Pink Ribbon Banking credit card and checking program.
  • Susan G. Komen ® has received more than $7 million from Bank of America from this program since 2009.
  • Earn 1% cash back on every purchase, 2% at grocery stores and wholesale clubs, and 3% on gas for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter.
  • No annual fee
  • No changing categories and no expiration on rewards
  • Get a 10% customer bonus every time you redeem your cash back into a Bank of America® checking or savings account
  • 0% Introductory APR for 12 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 13.99% - 23.99% Variable APR. 3% fee (min $10) applies to balance transfers.

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Discover it® - 18 Month Balance Transfer Offer

 

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Your Rating:

4.0/5.0 from 292 Offer Ratings
Over the Past 60 Days!

(292) Over the Past 60 Days!
  • Intro Balance Transfer APR 0% for 18 Months*
  • Rewards Rate Up to 5% cash back in bonus categories, 1% on everything else*
  • Exclusive Bonus Offer Get a dollar-for-dollar match of all the rewards you've earned at the end of your first year, automatically*
  • Annual Fee $0
  • Credit Needed Excellent/Good Credit
  • Card Brand Discover

Highlights

  • Click "APPLY NOW" to apply online or call 888-333-5886
  • New! Free Social Security Number alerts, we’ll monitor thousands of risky websites when you sign up.*
  • You could turn $150 into $300 with Cashback Match™. Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.
  • Earn 5% cash back in rotating categories each quarter like gas stations, Amazon.com, restaurants, wholesale clubs and more, up to the quarterly maximum each time you activate. Plus, 1% cash back on all other purchases.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. based customer service.
  • Get your FICO® Credit Score for free on monthly statements, on mobile and online.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.

See additional details for Discover it® - 18 Month Balance Transfer Offer

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*General Disclaimer: See the online credit card application for details about terms and conditions. We make every effort to maintain accurate information. However, all credit card information is presented without warranty. To confirm terms and conditions, click the "Apply Now" button and review info on the secure credit card terms page.

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Picture of John Andrews

By: | Sep 18, 2017

I have 19 Cards and the BEST BY FAR IS Chase Freedom, Chase Amazon and Capital One QuickSilver

Picture of A Richard Johnson Jr

By: | Sep 11, 2017

I may be mistaken, but I have found that most or all of these cards allow you to use any airline, hotel, etc, but I believe it takes considerably more miles than it does on a card dedicated to a specific airline. However, if you can not afford to pay off your balance every month, the airline cards have extremely high interest and not recommended unless you pay it off each month.

Picture of William Lawrence

By: | Sep 6, 2017

I have Capital One Venture. My wife and i have been able to fly free twice a year for our cruises. the 2 for one miles make it worthwhile and there is only a 59..00 annual fee. HIGHLY recommend it

Picture of Bob Knapp

By: | Sep 6, 2017

I have bank of america with cash back and no annual fee. and i pay it off every month (no interest}. Love it

Picture of Przedzienkowski Jakub

By: | Aug 28, 2017

I have BofA cards with cash back and no annual fee. One American Express card and all are paid off each month no balance carried forward.

1 Reply

By: Elizabeth Roach | Sep 13, 2017

That is a great achievement. There are very few cardholders that can say that.

Picture of Rita Lewis

By: | Aug 23, 2017

Reading how other people chose their cards, gave me some great ideas as to which ones would be more suitable for me.

Picture of Hans Petschaft

By: | Aug 15, 2017

I have 3 cards and thats all I need.I have Citi mastercard 2% on every purchase 1% when you buy and 1% when you pay.I have Amazon chase visa which pays 5% on every purchase.And I have Costco citi visa 3% on restaurants and 4% on gas purchases.No annual fee except costco which is the annual charge for shopping there.All the other cards are nothing to me.I use the mastercard for 90% of purchases.Believe me this is all you need.

1 Reply

By: Lee McCrory | Sep 5, 2017

I have citi, discover, capital one and home depot

Picture of David Leung

By: | Aug 15, 2017

I like my 2 points return for every dollar spent, no game played. 2 points = 2 cents good towards travel redemption. The $59 yearly membership fee? I'm so good they waive it every year. Beat that.

Picture of Minghui Cai

By: | Aug 14, 2017

Without annual fee, BoA's Cash reward for grocery and gas, Travel's reward for anything else(with 1.5%), if you have their bank account you can get bonus on your reward. With annual fee, Chase Sapphire reserve is the best, the points are worth much more if you redeem them through Chase ultimate rewards.

Picture of George Duggan

By: | Aug 9, 2017

My cards all have a 0% interest rate, because they are all paid in full at the end of each month. My credit rating is about as good as it can get.

2 Replies

By: Highlowsel Smith | Aug 23, 2017

And yours is the most cogent expression of how to manage your credit affairs I've seen expressed here. Excepting for large scale purchase...and I mean a house, etc., this is the very way I manage my cards, too. ;-)

By: A Richard Johnson Jr | Sep 11, 2017

I agree. If you pay it off each month, I have found that a couple of airline specific cards works better for us, even though they have a $95. annual fee. It takes a lot fewer miles to travel on their cards.

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Best Credit Card for Excellent Credit Holders

Those who have exceptionally good credit may want to apply for the best 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 top 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 700 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 for most issuers 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%.

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