So what is considered to be excellent credit? A credit score of 750 or above is generally considered to be excellent credit and qualifies people for excellent credit credit cards. While it can vary, a score between 700 and 750 tends to be considered above average or good credit. Individuals with a high credit score as 750 are most eligible for the best credit card rates available.
Don’t just pick any excellent credit credit card
In addition to having excellent credit, card issuers evaluate your repayment history, your income versus your credit, your address history, how long you've had certain types of credit or maintained a specific type of credit product such as a mortgage. With excellent credit, you can afford to be more particular because you have access to the best excellent credit card deals available.
Receive your credit card faster with excellent credit
Credit cards that require excellent credit typically offer lower rates, special introductory deals or savings with cash back and special rewards cards. If you qualify, you can be approved faster and get on your way toward lower interest rates, more options and better benefits.
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Editor's Rating:
9.5
-
Consumer Rating: (25 ratings)
8.1
| Intro APR: |
0% |
| Regular APR: |
11.99% - 19.99%* (Variable) |
| Annual Fee: |
None |
| Intro Period: |
18 months on Balance Transfers*, 12 months on Purchases* |
| Balance Transfer: |
Yes* |
| Credit Needed: |
Good
|
Don't know your Credit Score? Click here
- 0% Intro APR on balance transfers for 18 months and 0% Intro APR on purchases for 12 months. After that, the APR will be 11.99%-19.99% based upon your creditworthiness. This APR will vary with the market based on the Prime Rate*
- Extra Cash from Citi: enjoy discounts on gift cards,travel, merchandise and more
- Citi® Identity Theft Solutions
- Secure, free online account management
- No annual fee
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Editor's Rating:
9.3
-
Consumer Rating: (1 ratings)
3.0
| Intro APR: |
0% |
| Regular APR: |
11.9% (V) |
| Annual Fee: |
None |
| Intro Period: |
until August 2011 |
| Balance Transfer: |
Yes* |
| Credit Needed: |
Excellent
|
Don't know your Credit Score? Click here
- 0% intro APR until August 2011 on balance transfers, processed in as little as 48 hours
- 0% intro APR until August 2011 on purchases
- Transfer your higher-rate balances
- $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
- No annual fee
-
Editor's Rating:
0.0
-
Consumer Rating:
0.0
| Intro APR: |
0% on purchases |
| Regular APR: |
13.9% (V) |
| Annual Fee: |
None |
| Intro Period: |
until August 2011 |
| Balance Transfer: |
Yes |
| Credit Needed: |
Excellent
|
Don't know your Credit Score? Click here
- 1.25 miles per dollar on every purchase, every day
- 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
- Use rewards for travel, merchandise, gift cards and more
- 0% intro APR on purchases until August 2011
- No foreign transaction fees
- No annual fee
-
Editor's Rating:
9.0
-
Consumer Rating: (20 ratings)
8.9
| Intro APR: |
0%* |
| Regular APR: |
11.99% - 20.99% (Variable)* |
| Annual Fee: |
None |
| Intro Period: |
6 Months* |
| Balance Transfer: |
Yes* |
| Credit Needed: |
Excellent
|
Don't know your Credit Score? Click here
- 0% intro APR on balance transfers for a full 15 months, then the Regular APR
- 0% intro APR on purchases for a full 6 months, then the Regular APR
- 5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants, home improvement stores and more
- Up to 1% unlimited Cashback Bonus on all other purchases
- No Annual Fee
-
Editor's Rating:
8.5
-
Consumer Rating: (2 ratings)
8.0
| Intro APR: |
0% |
| Regular APR: |
12.99% - 20.99%* (Variable) |
| Annual Fee: |
None |
| Intro Period: |
12 months* |
| Balance Transfer: |
Yes* |
| Credit Needed: |
Excellent
|
Don't know your Credit Score? Click here
- $50 gift card - Redeem 6,000 bonus points after $300 in purchases within 3 months of account opening
- 0% Intro APR on Purchases and Balance Transfers for 12 months. After that, the APR will be 12.99%-20.99% based on creditworthiness*. This APR will vary with the market based on the Prime Rate.
- 5 ThankYou® Points for every $1 spent on purchases at supermarkets, drugstores and gas stations for 12 months, 1 ThankYou Point thereafter**
- Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more
- No annual fee
-
Editor's Rating:
9.0
-
Consumer Rating: (1 ratings)
10.0
| Intro APR: |
0% |
| Regular APR: |
12.99%-22.99% Variable* |
| Annual Fee: |
None |
| Intro Period: |
6 months on Purchases* |
| Balance Transfer: |
Yes |
| Credit Needed: |
*Excellent/Good
|
Don't know your Credit Score? Click here
- 0% Intro APR and No Annual Fee
- 5% cash back in quarterly bonus categories like gas, home improvement and department stores, subject to quarterly maximum. Signing up is free and easy!
- Unlimited 1% Cash Back on all other purchases with no spending tiers
- Up to an additional 20% cash back when you shop online at select merchants through Chase
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Editor's Rating:
9.0
-
Consumer Rating: (3 ratings)
9.7
| Intro APR: |
See Terms* |
| Regular APR: |
17.24%-21.24% Variable |
| Annual Fee: |
No Annual Fee |
| Intro Period: |
See Terms* |
| Balance Transfer: |
Yes* |
| Credit Needed: |
Excellent
|
Don't know your Credit Score? Click here
- 0% intro APR on purchases for 6 months and no annual fee
- Flexibility to pay over time
- Turn purchases into free travel: Enjoy travel rewards with no travel restrictions or blackout dates - get points for flights on any airline, stays at any hotel, and car rentals with any company
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Editor's Rating:
0.0
-
Consumer Rating:
0.0
| Intro APR: |
N/A |
| Regular APR: |
12.24% Variable* |
| Annual Fee: |
See Terms* |
| Intro Period: |
N/A |
| Balance Transfer: |
No |
| Credit Needed: |
Excellent
|
Don't know your Credit Score? Click here
- Earn a FREE FLIGHT - that's 25,000 bonus points after you spend $3,000 in the first 3 months!
- 2X points earned on all airfare booked through Ultimate Rewards & 1 point for every dollar spent on all other purchases
- Fly on leading airlines anytime. There are no travel restrictions or blackout dates and points never expire.
- Points are worth 25% more when you redeem for travel through Ultimate Rewards
- 7% annual points dividend - earn bonus points on your points
- 1:1 points transfer to leading airline and hotel programs
FICO scores/credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any First PREMIER® Bank product.
* 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 on the “Apply Here" button and review info on the secure credit card terms page.
