Add cards to start comparing.

Compare Cards

Best Credit Cards for Excellent Credit

See offers from our partners below.

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

 

Click the stars to submit your rating.

Thanks for rating!

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 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 13.49%-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*

See additional details for Citi® Diamond Preferred® Card – 21 Month Intro Offer on BT and Purchases

More Info

Expand Details

Discover it® Miles

 

Click the stars to submit your rating.

Thanks for rating!

Your Rating:

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.

See additional details for Discover it® Miles

More Info

Expand Details

Capital One® VentureOne® Rewards Credit Card

 

Click the stars to submit your rating.

Thanks for rating!

Your Rating:

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

See additional details for Capital One® VentureOne® Rewards Credit Card

More Info

Expand Details

Wells Fargo Cash Wise Visa® Card

 

Click the stars to submit your rating.

Thanks for rating!

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

See additional details for Wells Fargo Cash Wise Visa® Card

More Info

Expand Details

Chase Sapphire Preferred® Card

 

Click the stars to submit your rating.

Thanks for rating!

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

See additional details for Chase Sapphire Preferred® Card

More Info

Expand Details

HSBC Platinum Mastercard® credit card

 

Click the stars to submit your rating.

Thanks for rating!

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

See additional details for HSBC Platinum Mastercard® credit card

More Info

Expand Details

Susan G. Komen® Credit Card

 

Click the stars to submit your rating.

Thanks for rating!

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.

See additional details for Susan G. Komen® Credit Card

More Info

Expand Details

Discover it® - 18 Month Balance Transfer Offer

 

Click the stars to submit your rating.

Thanks for rating!

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

More Info

Expand Details

*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.

Share your experiences, tips and tricks with us!

Let others learn from your experience. Ask questions. Share your thoughts and opinions about credit cards.

There is nothing we value more than the opinions of our customers. We encourage open discussions among all users and hope we can all share advice. Please keep our site clean and safe by following our posting guidelines and please, don't disclose personal information like your credit card numbers or account information.

Community Conversation

Thank you. Your comment has been submitted and is pending editorial review.
card loader

Sort by:

Picture of Tom Garrett

By: | Feb 15, 2017

I currently have a VISA Card through my Federal Credit Union. But I may be interested in obtaining a second credit card that offers cash back for the purchase of airline tickets. I have intentions to be purchasing two round-trip, non-stop, 1st Class airline tickets. Most likely with an Ireland commercial airlines. Flying from Orlando, FL to Dublin, Ire. Which credit card would you recommend? Thank you!

1 Reply

By: CompareCards | Feb 16, 2017

A few of the most popular travel rewards credit cards are the Capital One Venture, Chase Sapphire Preferred, and the BankAmericard Travel Rewards. All of these cards offer flexible travel redemptions so you're not tied down to one airline or hotel!

Picture of Andre Leahong

By: | Feb 8, 2017

i don't need a traveling card what is the next best thing i spend about 4k a month

3 Replies

By: CompareCards | Feb 10, 2017

If you're not interested in travel rewards, check out the best cash back credit cards to earn rewards for all your purchases. Two of the most popular cash back cards are the Citi Double Cash and Discover It.

By: Robert Baric | Feb 12, 2017

Fidelity 2% cash back, by far best car that I have had.

By: Cathy Nestor | Mar 13, 2017

We love the AmEx gold rewards card. Purchases earn points that can be used on anything from gift cards to concert tickets, and of course travel. We used points last year to pay for a hotel in Paris. I like to use my points for Amazon purchases :)

Picture of Jan Funk

By: | Jan 31, 2017

I would just like to express our feelings and experiences with the Capital One Venture card. We have had this card for almost 20 years (used it in our business and now in our retired life) I must say we have been very pleased with the care and service Capital One shows to us. In the course of the last 18-20 years we have traveled to about 27 countries and our Capital One Venture Card has been our best friend. (No extra charge). We rarely carry a balance more than 28-30 days but it is our "go to" card for everything. No black-out dates for our trips and we can carry our card in confidence, even for "last minute trips" The security squad is "spot on', especially if you give them notice of trips. They have alerted us to possible other frauds and given us the confidence to carry your card proudly. In our opinion this card is in the number one rating. “Excellence Personified". We have encouraged our friends and children and now including the grandchildren to check out Capital One ....and who knows....if we are lucky maybe the great Grand -children. Keep up the excellent work and we will continue to sing your praises. "What's in YOUR wallet?" Thank You Capital One. Sincerely, Donald & Jan Funk

Picture of Justy Jenkins

By: | Jan 28, 2017

I love my American Express. I has shop small and extra perks that pay you to use it. I have been paid for shopping at stores like Sears, Hayneedle and Boxed. Plus you can get money back for paying you cable bill. It has great customer service too.

Picture of Gail Zukauskas Haviland

By: | Jan 17, 2017

What is the best card if you never keep a balance

1 Reply

By: CompareCards | Jan 18, 2017

If you pay off your balance in full you should look for the card that will give you the most rewards based on your spending. Two good options to start with would be the Citi Double Cash for cash back or the Capital One Venture if you are interested in travel rewards.

Picture of Michael Andrew Oakes

By: | Jan 8, 2017

I Have Most all These Great Cards I Wouldn't leave home without any of them I love to travel and love the benefits of all these cards

Picture of Lee Elizabeth Frisco

By: | Jan 6, 2017

The Chase Sapphire card offers 50,000 points for the primary card holder and another 5,000 points for a second card if you spend $4,000 within the first three months. These points can be converted into cash of $550.00 or if used for travel add another 25%.

Picture of Tony Fischetta

By: | Jan 4, 2017

What is the best card for dining out?

3 Replies

By: CompareCards | Jan 4, 2017

One card that offers bonus points on dining out is the Chase Sapphire Preferred. It earns 2x points on all travel and dining purchases! Another good option is the Wells Fargo Propel American Express Card which offers 2x points at U.S. restaurants as well as 3x points at U.S. gas stations and 1x points on all other purchases.

By: Frank Lau | Jan 9, 2017

BofA reward has no reward category for dining out. Citibank Costco Anywhere card has 3%

By: Beth Fiebig | Jan 15, 2017

I have Discover card and there is a 5% cash back for restaurants category you can select for a time period then they change to another category every so often.

Picture of Gracie Smith

By: | Jan 2, 2017

B of A Rewards card is terrific.

2 Replies

By: Doug Stafford | Jan 9, 2017

Yes it is. We do virtually all of our spending with it - about 9 - 10 grand a month - and pay it off each month. We've gotten hundreds of dollars in cash back over the past year. Maybe a thousand, I'm not sure. But close.

By: Mickey Cashen | Feb 9, 2017

Doug Stafford - I have the B of A Rewards card and used to use it for gasoline, but since I got the Costco Visa, which does 4% vs BofA's 3%, I haven't used it in a while. Note that Discover Card and Chase Freedom Visa both do 5% rotating categories every 3 months. Note that Citi Double Cash Mastercard does 2% on everything, If I was charging $9K to $10K/month and, assuming gasoline is a small fraction, I'd be getting back about $100 more per month (an additional 1%) with my cards instead of BofA Rewards Card.

Picture of Timothy Helseth

By: | Jul 8, 2015

ya sure it sounds to good to be true

Page:

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
" " CompareCards says issuers are providing such generous deals, they're virtually irresistible for those willing to switch.

" " 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.

" " CompareCards was one of three sites that met all the criteria.

Trusted & Secure
  • Empowering over
    50,000,000 card holders Since 2005

  • Norton Secured
Back to top ↑