Best Credit Cards for Excellent Credit

Best Credit Cards for Excellent Credit – Top Credit Cards
  • Compare the best credit card offers from our partners for those people with Excellent credit (credit score: +700)
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Discover it® Cashback Match™

 

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Your Rating:

3.7/5.0 from 440 Offer Ratings
Over the Past 60 Days!

Cashback Match™

We’ll match all the cash back you earn at the end of your first year.

EARN

5% Cash Back in bonus categories and 1% cash back everywhere else.

Redeem

Any amount, any time. Cash back rewards never expire.

Annual Fees

$0

Credit Needed

 
Excellent Credit

Credit cards for excellent credit are intended for those with a credit score of 700 or Higher.

Get Your Free Score!
Excellent/Good Credit

Highlights

  • You could turn $200 into $400 with Cashback Match™. We'll automatically match all the cash back you earn at the end of your first year. New cardmembers only.
  • Earn 5% cash back in new bonus categories like gas, restaurants, Amazon and more - up to $1500 every quarter you activate. Plus, unlimited 1% cashback on all other purchases.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. based customer service.
  • FICO® Credit Scores for free on statements and online.
  • No annual fee.
  • Click "Apply Now" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.

Capital One® Venture® Rewards Credit Card

 

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Your Rating:

3.8/5.0 from 452 Offer Ratings
Over the Past 60 Days!

Bonus Miles

40,000 miles with minimum spending requirement*

Rewards Rate

2 miles per dollar*

Regular Purchase APR

13.24% - 23.24% (Variable)

Annual Fees

$0 intro for first year; $59 after that

Credit Needed

 
Excellent Credit

Credit cards for excellent credit are intended for those with a credit score of 700 or Higher.

Get Your Free Score!
Excellent/Good

Highlights

  • Click "APPLY NOW" to apply online
  • Enjoy a one-time bonus of 40,000 miles once you spend $3,000 on purchases within the first 3 months, equal to $400 in travel
  • Earn unlimited 2X miles per dollar on every purchase, every day
  • Fly any airline, stay at any hotel, anytime
  • Travel when you want with no blackout dates
  • Miles don't expire and there’s no limit to how many you can earn
  • No foreign transaction fees
  • $0 intro annual fee for the first year; $59 after that

Citi® Diamond Preferred® Card

 

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Your Rating:

4.2/5.0 from 1,630 Offer Ratings
Over the Past 60 Days!

Intro Purchase APR

0% for 21 Months*

Intro BT APR

0% for 21 Months*

Regular Purchase APR

12.24% - 22.24%* (Variable)

Annual Fees

$0*

Credit Needed

 
Excellent Credit

Credit cards for excellent credit are intended for those with a credit score of 700 or Higher.

Get Your Free Score!
Excellent/Good

Highlights

  • Click "APPLY NOW" to apply online or call 877-836-4537
  • Get 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the APR will be 12.24% - 22.24% based upon your creditworthiness.*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer.
  • Let our 24/7 concierge service help book your hotel rooms, flights and more.
  • $0 liability on unauthorized purchases and Citi® Identity Theft Solutions.
  • No annual fee*
  • Free access to FICO® Scores*

Citi® Double Cash Card – 18 month BT offer

 

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Your Rating:

4.4/5.0 from 1,050 Offer Ratings
Over the Past 60 Days!

Rewards Rate

Earn 1% on Purchases & 1% on Payments*

Intro Balance Transfer APR

0% APR for 18 Months*

Regular Purchase APR

13.24 - 23.24% (variable)

Annual Fees

$0*

Credit Needed

 
Excellent Credit

Credit cards for excellent credit are intended for those with a credit score of 700 or Higher.

Get Your Free Score!
Excellent/Good

Highlights

  • Click "APPLY NOW" to apply online or call 888-343-4081
  • Earn cash back twice on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • Balance Transfers do not earn cash back
  • 0% Intro  APR on Balance Transfers for 18 months. After that, the variable APR will be 13.24% - 23.24% based on your creditworthiness
  • Click 'Apply Now' to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases.
  • No categories to track, no caps on cash back, no annual fee*

Discover it® Miles

 

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Your Rating:

3.7/5.0 from 194 Offer Ratings
Over the Past 60 Days!

Bonus Miles

50,000 Miles could turn into 100,000 Miles with Discover Match®

Rewards Rate

1.5 Miles per $1 Spent*

Redeem Miles

Any airline, any time. No Blackout Dates.

Annual Fees

$0

Credit Needed

 
Excellent Credit

Credit cards for excellent credit are intended for those with a credit score of 700 or Higher.

Get Your Free Score!
Excellent/Good Credit

Highlights

  • 50,000 Miles could turn into 100,000 Miles with Discover Match®. We'll automatically match all the Miles you earned at the end of your first year. Only for new cardmembers.
  • Unlimited 1.5x Miles on every dollar you spend on purchases.
  • Redeem in any amount for a credit to your statement to cover travel purchases.
  • No blackout dates. Fly any airline, any time.
  • No annual fee
  • Automatic credit of up to $30 a year for your in-flight Wi-Fi fees.
  • Get 100% U.S. based customer service.
  • Click "Apply Now" to see rates, rewards, FICO® Credit Score terms, Discover Match® details & other information.

Chase Freedom Unlimited℠

 

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Your Rating:

3.9/5.0 from 549 Offer Ratings

Rewards Rate

Unlimited 1.5% cash back on all purchases*

Sign-up Bonus

Get $150 bonus cash after spending $500 in the first 3 months*

Cash Back Details

Redeem Cash Back for any amount, anytime*

Annual Fees

$0

Credit Needed

 
Excellent Credit

Credit cards for excellent credit are intended for those with a credit score of 700 or Higher.

Get Your Free Score!
Excellent/Good

Highlights

  • Click "APPLY NOW" to apply online
  • NEW! Unlimited 1.5% cash back on every purchase – it’s automatic
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • 0% Intro APR for 15 months on purchases and balance transfers. After the intro period, a variable APR of 14.24-23.24%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • Redeem for cash – any amount, anytime
  • Cash Back rewards do not expire as long as your account is open
  • No annual fee

Capital One® VentureOne® Rewards Credit Card

 

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Your Rating:

4.4/5.0 from 516 Offer Ratings
Over the Past 60 Days!

Rewards Rate

1.25 miles per dollar*

Intro Purchase APR

0% on purchases for 12 months

Regular Purchase APR

12.24% - 22.24% (Variable)

Annual Fees

$0

Credit Needed

 
Excellent Credit

Credit cards for excellent credit are intended for those with a credit score of 700 or Higher.

Get Your Free Score!
Excellent/Good

Highlights

  • Click "APPLY NOW" to apply online
  • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within the first 3 months, 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; 12.24%-22.24% variable APR after that
  • Travel when you want with no blackout dates
  • No foreign transaction fees
  • Miles don’t expire and there’s no limit to how many you can earn

BankAmericard® Credit Card

 

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Your Rating:

3.8/5.0 from 397 Offer Ratings
Over the Past 60 Days!

Intro BT APR

0% for qualifying transfers for 18 billing cycles

Balance Transfer Fee

3% fee or $10 applies to each transfer

Regular APR

11.24% - 21.24% Variable APR on purchases and balance transfers

Annual Fees

$0

Credit Needed

 
Excellent Credit

Credit cards for excellent credit are intended for those with a credit score of 700 or Higher.

Get Your Free Score!
Excellent/Good

Highlights

  • Click "APPLY NOW" to apply online or call 800-483-4499
  • 0% Introductory APR for 18 billing cycles for balance transfers made in the first 60 days, then 11.24% - 21.24% Variable APR.
  • Balance transfer fee of either 3% of the amount of the transfer or $10 (whichever is greater) applies
  • No annual fee
  • The perfect card for those seeking a simple yet convenient-to-use credit card
  • $0 Liability Guarantee, so you're not responsible for any fraudulent charges made on your account

Chase Slate®

 

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Your Rating:

3.8/5.0 from 696 Offer Ratings
Over the Past 60 Days!

Intro Purchase APR

0% for 15 Months*

Intro BT APR

0% for 15 Months*

Regular Purchase APR

13.24%-23.24% Variable

Annual Fees

$0

Credit Needed

 
Excellent Credit

Credit cards for excellent credit are intended for those with a credit score of 700 or Higher.

Get Your Free Score!
Excellent/Good

Highlights

  • Click "APPLY NOW" to apply online
  • Chase Slate named "Best Credit Card for Balance Transfers" three years in a row by MONEY Magazine
  • $0 Introductory balance transfer fee for transfers made during the first 60 days of account opening
  • 0% Introductory APR for 15 months on purchases and balance transfers
  • Monthly FICO® Score and Credit Dashboard for free
  • No Penalty APR - Paying late won't raise your interest rate (APR). All other account pricing and terms apply
  • $0 Annual Fee

BankAmericard Travel Rewards® Credit Card

 

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Your Rating:

4.4/5.0 from 490 Offer Ratings
Over the Past 60 Days!

Intro Purchase APR

0% for 12 billing cycles

Rewards Rate

Earn 1.5 points per $1 spent on purchases

Regular APR

15.24%-23.24% Variable APR on purchases and balance transfers

Annual Fees

$0

Credit Needed

 
Excellent Credit

Credit cards for excellent credit are intended for those with a credit score of 700 or Higher.

Get Your Free Score!
Excellent/Good

Highlights

  • Click "APPLY NOW" to apply online or call 800-775-8735
  • Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire
  • 20,000 online bonus points if you make at least $1,000 in purchases in the first 90 days - that can be a $200 statement credit toward travel purchases
  • Use your card to book your trip how and where you want – you’re not limited to specific websites with blackout dates or restrictions
  • Redeem points for a statement credit to pay for flights, hotels, vacation packages, cruises, rental cars, or baggage fees
  • Now with chip technology for enhanced security and protection at chip-enabled terminals
  • 0% Introductory APR for 12 billing cycles for purchases, then 15.24% - 23.24% Variable APR
  • Get an additional 10% customer points bonus on every purchase when you have an active Bank of America® checking or savings account
  • If you’re a Preferred Rewards client, you can increase that bonus to 25% - 75%. Click “Apply Now” to learn more about Preferred Rewards.

BankAmericard Cash Rewards™ Credit Card

 

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Your Rating:

3.9/5.0 from 179 Offer Ratings
Over the Past 60 Days!

Intro Purchase APR

0% for 12 billing cycles

Intro BT APR

0% for qualifying transfers for 12 billing cycles

Regular APR

13.24% -23.24% Variable APR on purchases and balance transfers

Annual Fees

$0

Credit Needed

 
Excellent Credit

Credit cards for excellent credit are intended for those with a credit score of 700 or Higher.

Get Your Free Score!
Excellent/Good

Highlights

  • Click "APPLY NOW" to apply online or call 800-716-6383
  • No annual fee
  • $100 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • Earn 1% cash back on every purchase, 2% at grocery stores and now at wholesale clubs, and 3% on gas up to the first $2,500 in combined grocery/wholesale club/gas purchases each quarter.
  • No changing categories and no expiration on rewards
  • 0% Introductory APR for 12 billing cycles for purchases AND for any balance transfers made in the first 60 days, then, 13.24% - 23.24% Variable APR. 3% fee (min $10) applies to balance transfers.
  • Get a 10% customer bonus every time you redeem your cash back into a Bank of America® checking or savings account
  • If you're a Preferred Rewards client, you can increase that bonus to 25% - 75%. Click "Apply Now" to learn more about Preferred Rewards.

The Amex EveryDay® Credit Card from American Express

 

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Your Rating:

3.7/5.0 from 261 Offer Ratings
Over the Past 60 Days!

Introductory APRs

0% for 12 Months

Bonus Rewards

Earn 10,000 Points after Qualifying Purchases*

Regular Purchase APR

13.24% to 23.24% (Variable)

Annual Fees

$0

Credit Needed

 
Excellent Credit

Credit cards for excellent credit are intended for those with a credit score of 700 or Higher.

Get Your Free Score!
Excellent

Highlights

  • Click "APPLY NOW" to apply online
  • Earn 10,000 Membership Rewards® points after you use your new Card to make $1,000 in purchases in your first 3 months.
  • Use your Card 20 or more times on purchases in a billing period and earn 20% more points on those purchases less returns and credits. Terms and limitations apply.
  • 2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x); 1x points on other purchases. Terms and limitations apply.
  • You can use Membership Rewards® Pay with Points to pay for all or part of your flight, hotel booked and paid in advance, vacation or cruise booking.
  • No annual fee. Plus, 0% intro APR on purchases and balance transfers for 12 months, then a variable rate, currently 13.24% to 23.24%, based on your creditworthiness and other factors.
  • Terms and Conditions apply.
  • See Rates & Fees

Citi Simplicity® Card - No Late Fees Ever

 

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Your Rating:

4.0/5.0 from 368 Offer Ratings
Over the Past 60 Days!

Introductory APR

0% for 24 Months on balance transfers*

Rates and Fees

No Annual Fee, No Late Fees, & No Penalty Rate*

Regular Purchase APR

13.24% - 23.24% (variable)

Annual Fees

$0*

Credit Needed

 
Excellent Credit

Credit cards for excellent credit are intended for those with a credit score of 700 or Higher.

Get Your Free Score!
Excellent/Good

Highlights

  • Click "APPLY NOW" to apply online or call 800-325-3219
  • The ONLY card with No Late Fees, No Penalty Rate, and No Annual Fee… EVER.
  • Balance Transfer Offer: 0% Intro APR for 24 months on balance transfers; After that, the variable APR will be 13.24% - 23.24% based on your creditworthiness.
  • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
  • Balance transfers must be completed within 4 months of account opening.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.

Chase Sapphire Preferred® Card

 

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Your Rating:

3.9/5.0 from 222 Offer Ratings
Over the Past 60 Days!

Bonus Rewards

Earn 50,000 bonus points

Rewards Rate

Earn 2X points on travel and dining

Bonus Perks

Transfer points 1:1 to leading frequent travel programs*

Annual Fees

$0 for the First Year, then $95

Credit Needed

 
Excellent Credit

Credit cards for excellent credit are intended for those with a credit score of 700 or Higher.

Get Your Free Score!
Excellent

Highlights

  • Click "APPLY NOW" to apply online
  • Earn 50,000 bonus points when you spend $4,000 on purchases in the first 3 months from account opening. That's $625 in travel when you redeem through Chase Ultimate Rewards®
  • Named a 'Best Credit Card' for Travel Rewards by MONEY Magazine
  • 2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases
  • Sleek metal card design
  • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
  • $0 foreign transaction fees, plus chip-enabled for enhanced security and wider acceptance when used at a chip card reader
  • 1:1 point transfer to leading frequent travel programs at full value – that means 1,000 Chase Ultimate Rewards points equal 1,000 partner miles/points
  • Travel confidently with premium Travel Protection Benefits, including Trip Cancellation/Trip Interruption Insurance, Auto Rental Collision Damage Waiver, Trip Delay Reimbursement and more

Blue Cash Preferred® Card from American Express

 

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Your Rating:

3.7/5.0 from 101 Offer Ratings
Over the Past 60 Days!

Bonus Rewards

6% Cash Back at US Supermarkets*

Sign-up Bonus

Earn $150 back after meeting spending requirements*

Cash Back Details

No rotating categories & No enrollment required*

Annual Fees

$95 ($75 if your application is received by 8/3/16)

Credit Needed

 
Excellent Credit

Credit cards for excellent credit are intended for those with a credit score of 700 or Higher.

Get Your Free Score!
Excellent

Highlights

  • Click "APPLY NOW" to apply online
  • Earn $150 back after you spend $1,000 in purchases on your new Card in your first 3 months. You will receive the $150 back in the form of statement credits.
  • Earn Cash Back: 6% at U.S. supermarkets on up to $6,000 per year in purchases, 3% at U.S. gas stations & select U.S. dept stores, 1% on other purchases. Terms and limitations apply.
  • With the Blue Cash Preferred® Card, you can get cash back. No rotating reward categories. No enrollment required.
  • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit. Cash back is earned only on eligible purchases.
  • 0% intro APR on purchases and balance transfers for 12 months, then a variable rate, currently 13.24% to 23.24%, based on your creditworthiness and other factors.
  • Terms and Conditions apply.
  • See Rates & Fees

Capital One® Quicksilver® Cash Rewards Credit Card

 

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Your Rating:

3.7/5.0 from 193 Offer Ratings
Over the Past 60 Days!

Rewards Rate

Unlimited 1.5% Cash Back*

Bonus Cash

$100 cash bonus after spending $500 in the first 3 months*

Cash Back Details

No minimums for redeeming and cash back never expires*

Annual Fees

$0

Credit Needed

 
Excellent Credit

Credit cards for excellent credit are intended for those with a credit score of 700 or Higher.

Get Your Free Score!
Excellent/Good

Highlights

  • Click "APPLY NOW" to apply online
  • One-time $100 cash bonus after you spend $500 on purchases within the first 3 months
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or sign ups needed to earn cash rewards; plus, cash back doesn’t expire and there’s no limit to how much you can earn
  • 0% intro APR on purchases for 9 months; 13.24%-23.24% variable APR after that
  • Balance transfers also have a 0% intro APR for 9 months; 13.24%-23.24% variable APR after that; a 3% fee applies to each balance transferred
  • Pay no annual fee or foreign transaction fees

The Amex EveryDay® Preferred Credit Card from American Express

 

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Your Rating:

4.0/5.0 from 1 Offer Rating
Over the Past 60 Days!

Introductory APRs

0% for 12 Months

Bonus Rewards

Earn 15,000 Points After Qualifying Purchases*

Regular Purchase APR

13.24% to 23.24% (Variable)

Annual Fees

$95

Credit Needed

 
Excellent Credit

Credit cards for excellent credit are intended for those with a credit score of 700 or Higher.

Get Your Free Score!
Excellent

Highlights

  • Click "APPLY NOW" to apply online
  • Earn 15,000 Membership Rewards® points after you use your new Card to make $1,000 in purchases in your first 3 months.
  • Use your Card 30 or more times on purchases in a billing period and earn 50% more points on those purchases less returns and credits. Terms and limitations apply.
  • 3x points at US supermarkets on up to $6,000 per year in purchases (then 1x); 2x points at US gas stations; 1x points on other purchases. Terms and limitations apply.
  • You can use Membership Rewards® Pay with Points to pay for all or part of your flight, hotel booked and paid in advance, vacation or cruise booking through amextravel.com.
  • 0% intro APR on purchases and balance transfers for 12 months, then a variable rate, currently 13.24% to 23.24%, based on your creditworthiness and other factors.
  • Terms and Conditions apply.
  • See Rates & Fees

Citi Prestige® Card

 

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Your Rating:

3.7/5.0 from 45 Offer Ratings
Over the Past 60 Days!

Bonus Rewards

Earn 50,000 bonus ThankYou Points*

Rewards Rate

Earn 3x points on Air Travel & Hotels*

Regular Purchase APR

15.49% (Variable)

Annual Fees

$450

Credit Needed

 
Excellent Credit

Credit cards for excellent credit are intended for those with a credit score of 700 or Higher.

Get Your Free Score!
Excellent

Highlights

  • Click "APPLY NOW" to apply online
  • $250 Air Travel Credit each year
  • Complimentary 4th Night for any hotel stay
  • Earn 50,000 bonus points after $3,000 in purchases made with your card in the first 3 months the account is open.
  • Points are redeemable for an $800 flight on American Airlines, a $665 flight on any other airline or $500 in gift cards.
  • Transfer points to a variety of travel loyalty programs from airlines to hotels.
  • Earn 3x points on Air Travel and Hotels
  • Earn 2x points on Dining at Restaurants and Entertainment
  • 1 ThankYou® Point per $1 spent on other purchases

Blue Cash Everyday® Card from American Express

 

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Your Rating:

3.9/5.0 from 250 Offer Ratings
Over the Past 60 Days!

Sign-up Bonus

Earn $100 back after meeting spending requirements*

Intro APR

0% for 12 Months on Purchases and Balance Transfers*

Regular Purchase APR

13.24%-23.24% Variable*

Annual Fees

$0

Credit Needed

 
Excellent Credit

Credit cards for excellent credit are intended for those with a credit score of 700 or Higher.

Get Your Free Score!
Excellent

Highlights

  • Click "APPLY NOW" to apply online
  • Earn $100 back after you spend $1,000 in purchases on your new Card in your first 3 months. You will receive cash back in the form of statement credits.
  • Earn Cash Back: 3% at U.S. supermarkets on up to $6,000 per year in purchases, 2% at U.S. gas stations & select U.S. dept stores, 1% on other purchases. Terms and limitations apply.
  • Simple and straightforward: With the Blue Cash Everyday Card, you can start earning cash back. No rotating reward categories. No enrollment required.
  • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit. Cash back is earned only on eligible purchases.
  • No annual fee. Plus, 0% intro APR on purchases and balance transfers for 12 months, then a variable rate, currently 13.24% to 23.24%, based on your creditworthiness and other factors.
  • Terms and Conditions apply.
  • See Rates & Fees

Barclaycard Arrival Plus™ World Elite MasterCard®

 

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Your Rating:

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

Bonus Miles

Earn 40,000 Bonus Miles in First 90 Days*

Rewards Rate

Earn 2X Miles on all Purchases*

Redeeming Miles

Miles can cover purchases on any airline or hotel*

Annual Fees

$89 (waived the first year)

Credit Needed

 
Excellent Credit

Credit cards for excellent credit are intended for those with a credit score of 700 or Higher.

Get Your Free Score!
Excellent/Good

Highlights

  • Click "APPLY NOW" to apply online
  • Earn 40,000 bonus miles after you spend $3,000 on purchases in the first 90 days - that's enough to redeem for a $400 travel statement credit
  • Earn 2X miles on all purchases
  • Get 5% miles back to use toward your next redemption, every time you redeem
  • Chip card technology, so paying for your purchases is more secure at chip-card terminals in the U.S. and abroad
  • No foreign transaction fees on anything you buy while in another country
  • 0% introductory APR for 12 months for each Balance Transfer made within 45 days of account opening. After that, a variable APR will apply, currently 16.24% or 20.24%, depending on your creditworthiness.
  • Complimentary online FICO® Credit Score access for Barclaycard Arrival cardmembers

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Picture of Timothy Helseth

By: | Jul 8, 2015

ya sure it sounds to good to be true

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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%.