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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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Your Rating:

4.2/5.0 from 2,028 Offer Ratings
Over the Past 60 Days!

(2,028) 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 13.49% - 23.49%* (Variable)
  • Annual Fee $0*
  • Credit Needed Excellent/Good
  • Card Brand Mastercard®

Highlights

  • Click "APPLY NOW" to apply online or call 866-292-9048 TTY: Use Relay Service
  • Get 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the variable APR will be 13.49%-23.49% 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 554 Offer Ratings
Over the Past 60 Days!

(554) 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! We’ll monitor your Social Security Number. Get an alert if we find your Social Security Number on any of thousands of risky websites.* Activate for FREE.
  • 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 729 Offer Ratings
Over the Past 60 Days!

(729) 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 166 Offer Ratings
Over the Past 60 Days!

(166) 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
  • NEW! Earn a $200 cash rewards bonus after spending $1,000 in the first 3 months
  • Earn unlimited 1.5% cash rewards on virtually every purchase
  • 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 283 Offer Ratings
Over the Past 60 Days!

(283) 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®
  • Named Best Credit Card for Flexible Travel Redemption - Kiplinger's Personal Finance, July 2016
  • 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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HSBC Platinum Mastercard® credit card

 

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Your Rating:

3.8/5.0 from 38 Offer Ratings
Over the Past 60 Days!

(38) Over the Past 60 Days!
  • Intro Purchase APR 0% for 18 months
  • Intro BT APR 0% for 18 months
  • Regular APR 13.99%, 17.99% or 23.99% Variable APR
  • Annual Fee $0
  • Credit Needed Good, Excellent
  • Card Brand Mastercard®

Highlights

  • Click "APPLY NOW" to apply online
  • 0% Introductory APR on credit card purchases and balance transfers for the first 18 months from Account opening. After that, a variable APR of 13.99%, 17.99% or 23.99%, will apply.
  • No annual fee.
  • No foreign transaction fees.
  • Make purchases the way you want — mobile payment enabled supporting Android Pay™, Apple Pay™ and Samsung Pay™.
  • Shop with confidence knowing that your purchases are covered with our valuable protection programs.
  • Fraud coverage if your card is ever lost or stolen.
  • Use online banking to access your account, even from your smartphone, with our mobile app.
  • Terms Apply.
  • See additional HSBC Platinum Mastercard® credit card details

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Susan G. Komen® Credit Card

 

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Your Rating:

3.8/5.0 from 4 Offer Ratings
Over the Past 60 Days!

(4) 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:

3.7/5.0 from 195 Offer Ratings
Over the Past 60 Days!

(195) 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! We’ll monitor your Social Security Number. Get an alert if we find your Social Security Number on any of thousands of risky websites.* Activate for FREE.
  • 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 Wayne B. Yong

By: | Mar 13, 2017

Hi, What happens to your credit score when you transfer your balance from an old credit card (long time account with high APR) to a new card (with lower APR)? Would I be better off getting a Personal Loan to take care of the balance, in terms of my credit score? Credit Score 800.

1 Reply

By: CompareCards | Mar 14, 2017

Performing a balance transfer will have different effects on your credit based on your situation. In most cases, it will actually help raise your credit score in the long run because by opening a new line of credit you are decreasing your credit utilization rate and by paying down your balances you are decreasing the total amount of debt you owe.

Picture of Debbie D'Haene Rang

By: | Mar 9, 2017

Looking for a card with no transfer fees

1 Reply

By: CompareCards | Mar 10, 2017

Check out the Chase Slate and the Barclaycard Ring Mastercard if you're looking for no intro balance transfer fee!

Picture of TommyDorothy Forsyth Heath

By: | Mar 5, 2017

What's the best one for 0% balance transfers, & 0% interest & the length of time? Credit score 797.

2 Replies

By: CompareCards | Mar 7, 2017

If you're looking for the longest possible intro APR, the Citi Simplicity or the Citi Diamond Preferred would each be a great place to start!

By: Dwayne Elliott | Mar 24, 2017

Bank of America- 0% interest for 12 months is their current advertisement.

Picture of Wilson P Chu

By: | Feb 28, 2017

What does "803" get you for credit card benefits?

2 Replies

By: CompareCards | Feb 28, 2017

With a credit score in the 800s, your credit is considered excellent and you have a great chance of getting approved for any credit card you like. If you pay your balance off in full each month, check out top rewards cards like the Chase Sapphire Preferred or Citi Double Cash. If you're looking to save money with a balance transfer or low interest rates, the Citi Diamond Preferred or BankAmericard Credit Card would both be great options.

By: Hannibal Smith | Mar 14, 2017

That depends on other factors/variables your banker could get out into the weeds on you with. Income to debt ratio, # of credit lines with debt, etc. Frankly it will get you the same as my 820 gets me. It's all excellent.

Picture of Jose Vivas

By: | Feb 28, 2017

My experience with Bank of America Travel Reward Card.......EXCELENT!! I am glad I got this card on my trips!... thanks BA.

Picture of Gary L Miller Sr.

By: | Feb 25, 2017

i have every card mentioned here but never pay them ANY interest...I use them, not the other way around

Picture of Deirdre Chemnitz Guarino Newaccount

By: | Feb 23, 2017

Use the card for most monthly expenses then pay it off at the end of month. Helps keep scores high

2 Replies

By: Jose Vivas | Feb 28, 2017

VERY SMART MOVE!! WE DO THE SAME

By: David Leung | Mar 23, 2017

One way to increase credit is to get more credit and use less of it.

Picture of Dick Clark

By: | Feb 22, 2017

I have had my Discover card for 31 years - Still love it ! At first many places would not approve it -- Now they all do !!

1 Reply

By: TommyDorothy Forsyth Heath | Mar 5, 2017

We've had ours a good while too, always pay it off at the end of the month also. I like that it gives cash back whereas our card prior to it didn't. I need one now though for balance transfer %0 & no interest rate for maybe 15 months or so.

Picture of Dewayne C Presson

By: | Feb 20, 2017

What do you consider excellent credit? Is 750 good enough for these cards?

1 Reply

By: CompareCards | Feb 22, 2017

Generally speaking, a 750 is considered an excellent credit score.

Picture of Robert J French

By: | Feb 16, 2017

I like a credit card that has a good % return without travel tied to it or rotating quarters

1 Reply

By: CompareCards | Feb 16, 2017

One rewards credit cards that has a great flat-rate cash back program is the Citi Double Cash. With this card you'll earn an unlimited 1% cash back on purchases and another 1% back on payments!

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These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

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%.

Reviews
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" " Those who always pay their balances in full and on time will usually come out ahead.

" " The offers on the credit card landscape are constantly changing which is great news for consumers.

" " In the future, the companies that will thrive are those able to give customers exactly what they want, the way they want it, when they want it.

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