Top 10 Credit Cards For Excellent Credit

By , Updated on Oct 11, 2017

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Top 10 Credit Cards For Excellent Credit

*Editorial Note: This content is not provided or commissioned by the credit card issuer. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

Do you have excellent credit? If so, it’s time to upgrade to a better rewards credit card.

The banks are fighting harder than ever to win customers with excellent credit. Take advantage of your excellent credit today by getting a card that earns you more rewards. Our credit card experts have selected the top 10 credit card deals you can take advantage of right now:

Capital One Venture Rewards Credit Card

Capital One® Venture® Rewards Credit Card

 

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(685) Over the Past 60 Days!
  • Bonus Miles One-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel
  • Rewards Rate 2 Miles per dollar on every purchase, every day
  • Rewards Details Flexible Redemption, No Miles Cap, & Miles won't expire for the life of the account
Highlights
  • Click "APPLY NOW" to apply online
  • Enjoy a one-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 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 won't expire for the life of the account and there's no limit to how many you can earn
  • No foreign transaction fees
  • $0 intro annual fee for the first year; $95 after that
  • Get a metal Venture Card when you apply today

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A top travel card. This card earns you 2 Miles per dollar on every purchase, every day and comes with a one-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel. The annual fee is $0 intro for first year; $95 after that. The card allows you to fly any airline, stay at any hotel, anytime with no blackout dates a real plus for last minute travel plans. It also has zero foreign transaction fees and your Miles won't expire for the life of the account. All of these benefits make the Capital One® Venture® Rewards Credit Card a great fit for all travelers and even once-a-year vacations!

Discover it - Double Cash Back your first year

Discover it® Cashback Match™

 

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(1,329) Over the Past 60 Days!
  • Cashback Match™ Get a dollar-for-dollar match of all the rewards you've earned at the end of your first year, automatically*
  • EARN Up to 5% cash back in bonus categories, 1% on everything else*
  • Redeem Any amount, any time. Cash back rewards never expire*
Highlights
  • Click "APPLY NOW" to apply online or call 800-628-1537
  • 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 at Amazon.com and Target now through December 2017, on up to $1,500 in purchases when 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 free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • New! Receive FREE Social Security number alerts— Discover will monitor thousands of risky websites when you sign up.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.

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This cash rewards card comes with a unique sign up bonus unlike anything you’ve seen. At the end of your first year, Discover will match the cash back you’ve earned. This is the only credit card that will match your cash back at the end of the first year. So if you earned $200 in cash back from purchases in your first year, Discover will match it, making your total cash back for the year $400! The Discover it card earns 5% cash back in popular spending categories that change each quarter and 1% on all other purchases. The 5% cash back categories include things like gas, groceries, dining, and more. On top of the incredible rewards program, this card comes with 0% intro APR on purchases and balance transfers for 14 months. There is even no annual fee, no foreign transaction fees, and no late fee for your first late payment. This card is perfect for cash rewards, financing a big purchase, transferring your high interest debt, and avoiding bank fees to help you save money.

BankAmericard Travel Rewards® Credit Card

Bank of America® Travel Rewards Credit Card

 

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(502) Over the Past 60 Days!
  • Intro Purchase APR 0% Introductory APR on purchases for 12 billing cycles
  • Rewards Rate Unlimited 1.5 points per $1 spent on all purchases
  • Regular APR 15.99% - 23.99% Variable APR on purchases and balance transfers
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
  • Comes with chip technology for enhanced security and protection at chip-enabled terminals
  • 0% Introductory APR for 12 billing cycles for purchases, then 15.99% - 23.99% 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%

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With the Bank of America® Travel Rewards Credit Card, you'll earn unlimited 1.5 points per $1 spent on all purchases, and points can be redeemed for nearly any travel purchase in the form of a statement credit. This card comes with 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 towards travel purchases, and it’s one of the few travel rewards cards with no annual fee. This card also offers no foreign transaction fees, making it perfect for traveling abroad. If you’re a traveler looking for a simple no annual fee card that won’t restrict your travel to certain airlines, giving you the flexibility to travel on any airline, at any time, with no blackout dates, then this card is for you.

Discover it Miles - Double Miles your first year

Discover it® Miles

 

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(429) 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*
Highlights
  • 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.
  • No Blackout Dates – fly ANY airline, stay at ANY hotel.
  • Redeem your Miles as a statement credit towards travel purchases.
  • Unlimited 1.5x Miles per dollar on all purchases, every day, with no annual fee.
  • 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 free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • New! Receive FREE Social Security number alerts— Discover will monitor thousands of risky websites when you sign up.
  • No Annual Fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Discover Match® details & other information.

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If you’re looking for travel rewards alongside 0% intro APR on purchases, you need to checkout the Discover it® Miles card. This card offers 0% intro APR on purchases for 14 months. This gives travelers the flexibility to pay off large purchases over a longer period of time, while earning miles on their purchases. This is a great travel credit card that also comes with no foreign transaction fees, no annual fee, and no late fee on your first late payment. When you use this card, you’ll earn 1.5 miles for every $1 spent. Add in the fact that Discover will match all the miles you’ve earned at the end of your first year, and you can see why it is one of the top travel cards. Did we mention that you can fly any airline, any time, with no black out dates?

BankAmericard Cash Rewards Credit Card

Bank of America® Cash Rewards Credit Card

 

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  • 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
Highlights
  • Click "APPLY NOW" to apply online or call 800-716-6383
  • No annual fee
  • $150 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 wholesale clubs, and 3% on gas for 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, 13.99% - 23.99% 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%

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Intro APR of 0% Introductory APR on purchases for 12 billing cycles, plus 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 makes this card a top pick. Did we mention this card comes with no annual fee? In case that wasn’t enough, you’ll also gain access to Bank of America’s award winning online & mobile banking. The reward rates get even better if you have a Bank of America checking or savings account and redeem your cash rewards into your checking or savings account. Finally, you get a $150 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening. With cash back, no annual fee, a long 0% intro APR, and a generous sign up bonus, and you can see why this card is a top pick of ours!

Citi Diamond Preferred Card

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

 

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  • 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)
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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This card is perfect for people looking to avoid paying interest or who want to finance a large purchase. The Citi Diamond Preferred offers an intro APR of 0%* for 21 months on Purchases* and 0%* for 21 months on Balance Transfers* – with no annual fee! That means you will have well over a year to pay down your balance interest free. By transferring your other high interest credit card balances to this card, you’ll be able to avoid paying expensive interest charges for the entire intro period. You’ll also gain access to Citi Private Pass for exclusive presale tickets and a Personal Concierge Service available to assist you 24/7. With each purchase, you’ll earn City Easy Deal points with each card purchase redeemable for discounts on online merchandise, travel tickets, gift cards, and more.

Blue Cash Everyday Card from American Express

Blue Cash Everyday® Card from American Express

 

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3.8/5.0 from 360 Offer Ratings
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(360) Over the Past 60 Days!
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Terms and Conditions apply

Rates & Fees
  • Welcome Offer $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • Bonus Cash Back 3% at U.S. supermarkets on up to $6,000 per year in purchases*
  • Rewards Rates 2% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
Highlights
  • Click "APPLY NOW" to apply online or call 866-901-8258
  • $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • No annual fee.
  • 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
  • Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 13.99% to 24.99%.
  • Expanding merchant acceptance: Over 1 million more places in the U.S. started accepting American Express® Cards in the last year.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • Terms Apply.
  • See Rates & Fees

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The Blue Cash Everyday® Card from American Express is one of the more unique cash back cards. It’s best for the average household. It provides a competitive 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%). 2% cash back at U.S. gas stations and at select U.S. department stores. 1% cash back on other purchases. All these great rewards and with no annual fee! This card is great for anyone that spends a lot of money on gas and groceries. The cash back is received in the form of Reward Dollars that you can redeem for statement credits. The card also has an intro APR of 0% for 15 months on purchases and 0% for 15 months on balance transfers, so if you need to transfer your balance from another card you can put it on this with zero interest for well over a year.

Citi Double Cash Credit Card

Citi® Double Cash Card – 18 month BT offer

 

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4.5/5.0 from 744 Offer Ratings
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(744) Over the Past 60 Days!
  • Rewards Rate Earn 1% on Purchases & 1% on Payments
  • Intro Balance Transfer APR 0%* for 18 months on Balance Transfers*
  • Regular Purchase APR 14.49% - 24.49%* (Variable)
Highlights
  • Click "APPLY NOW" to apply online or call 888-343-4081 TTY: Use Relay Service
  • 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 14.49% - 24.49% 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*

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This is one of the best cash rewards card out there because it gives you cash back twice. You’ll earn 1% back when you make a purchase, and another 1% back when you make a payment. You’ll also receive a 0% intro APR on balance transfers for 18 months. This is very helpful in paying off a balance when you transfer it to this card from another credit card. The best part about this card’s cash back? There’s no limit to the amount of cash back you can earn! This card is perfect for people who don’t want to keep up with rotating categories each quarter. When used responsibly, this card is a cash back machine. With a great rewards rate, 18 months of 0% intro APR on balance transfers, and no annual fee, the Citi Double Cash is a smart choice for just about everyone!

Citi Simplicity Card

Citi Simplicity® Card - No Late Fees Ever

 

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  • Intro Purchase APR 0%* for 21 months on Purchases*
  • Intro BT APR 0%* for 21 months on Balance Transfers*
  • Regular Purchase APR 14.99% - 24.99% (Variable)
Highlights
  • Click "APPLY NOW" to apply online or call 877-886-4537 TTY: Use Relay Service
  • The ONLY card with No Late Fees, No Penalty Rate, and No Annual Fee… EVER
  • 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the variable APR will be 14.99% - 24.99% based on your creditworthiness*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • The same great rate for all balances, after the introductory period.
  • Save time when you call with fast, personal help, 24 hours a day – just say “representative”
  • Enjoy the convenience of setting up your own bill payment schedule on any available due date throughout the month

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Imagine getting almost two years with 0% interest on purchases or a balance transfer. Reshape your financial picture with this industry-leading low-interest card from Citi. If you have major expenses on the horizon, like a wedding, a big trip, new furniture or appliances, this card delivers you an incredible 21 months to pay down that purchase with no interest. That’s right. Almost two years with no interest. For people who want to kick high-interest credit card debt to the curb once and for all, this is one of the best get-out-debt cards available. Transfer your high-interest debt to the Citi Simplicity® Card - No Late Fees Ever and for 21 months your payments will go directly to paying down your balance. That could save you hundreds of dollars in interest. Take the time you need to put your financial house in order. This card is a great match if you occasionally pay a bill late. True to its name, this simple card has no late fees, no penalty APR if you miss a payment and no annual fee. The Citi Simplicity® Card - No Late Fees Ever is best in class beating other 0% intro offers by six to nine months.

Chase Slate Credit Card

Chase Slate®

 

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(67) Over the Past 60 Days!
  • Intro Purchase APR 0% for 15 Months*
  • Intro BT APR 0% for 15 Months*
  • Regular Purchase APR 15.99% - 24.74% Variable
Highlights
  • Click "APPLY NOW" to apply online
  • $0 Introductory balance transfer fee for transfers made during the first 60 days of account opening
  • Chase Slate named "Best Credit Card for Balance Transfers" four years in a row by Money Magazine
  • 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

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Even when you manage your money well, life can toss you a financial curve ball. Protect your top tier credit with valuable money management tools from the Chase Slate®. Rely on a rare trio of debt busting features including long 0% intro interest on purchases and balance transfers, a $0 intro balance transfer fee and $0 annual fee. If you need to make a big purchase or cover expenses, breathe easy with 0% intro apr on purchases for 15 months. Get fast relief from high-interest credit card debt with 0% intro apr on balance transfers for 15 months. That gives you over a year to pay down your balance with no new interest. Chase designed this card for people just like you. Financial challenges happen to the best of us. Apply now and knock that curve ball out of the park with the powerful features from the Chase Slate®.

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Picture of Tara Angelique Vickers

By: | Oct 17, 2017

This is amazing, Thank you for the advice on the cards and about the cards! (:

Picture of Tom Sullivan

By: | Oct 12, 2017

We have the Venture card and it works just like they say for hotels rentals etc. We put everything on it including business expenses. We currently have over 1,000.000 miles.

Picture of Donald G Powell

By: | Oct 9, 2017

Capital One Quicksilver offers 1.5% back on purchases of ANYTHING! I use it to pay bills, buy groceries, at restaurants, ad infinitum. Great card... I use it almost exclusively.

1 Reply

By: Wayne Goss | Oct 12, 2017

If you pay the balance monthly as I do, the Citi Double Cash card pays you back 2% of every purchase. No annual fee. It's the best thing since ice cream! I DO use it exclusively.

Picture of Greg Sheeler

By: | Oct 6, 2017

I got three of these cards, BOA cash rewards is my favorite. Chase slate literally has zero rewards except for balance transfers savings. I will be getting my first capital one card after years of them trying to get my business after my paperwork goes through for opening my own business. I will be getting the spark cash rewards card. Fico score has been usually around 750 and was once up to 800 till I got a second car loan for a daily driver.

Picture of Matthew Lieff

By: | Sep 30, 2017

I have two of these, Discover It and Bank of America Cash Rewards. They are both great. I also love my Chase Amazon with 3% back on Amazon purchases and 2% at drugstores; and my Chase Freedom, which is super helpful when the 5% category for the quarter is gas stations or discount clubs. I also just added Barclays Cash Forward mainly for the $200 bonus. Chase has great customer service and excellent apps.

1 Reply

By: Andre Leahong | Oct 13, 2017

i love chase, i can do everything online

Picture of Steve Tamres

By: | Sep 22, 2017

I'm with Chase and I actually got Pre Approved for their Sapphire AND Freedom cards. I chose Freedom over Sapphire, because I understand Sapphire is mostly for traveling and/or dining; which I rarely do both. I just found it interesting how I saw their Sapphire card on here. It gave me a smile and a chuckle to know this.

Picture of Linda F. Gramm

By: | Sep 19, 2017

I have a capital one spark business card that yields 2% back on everything and I mean everything. I like the fact that they will do whatever you want with it, including sending you a check. I have an Amazon Visa that gives me 5% back on anything ordered from Amazon, which is a lot.. I have the Discover and AMEX blue cash but I can never remember the places or in which months I can earn. So I basically use the Spark and Amazon most of the time. I pay all balances off, and never pay any interest.

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

1 Reply

By: Matthew Lieff | Sep 30, 2017

I have Chase Freedom and Chase Amazon, they are both good, Chase Freedom is really great when the 5% category is gas or discount clubs. It's not so remunerative when the category is movies or restaurants.

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.

1 Reply

By: Marty | Oct 4, 2017

I to have several cards. My credit is great just because you have several cards does not hurt the credit score. Its how high you put them and how you pay,

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

1 Reply

By: Barry Mann | Sep 27, 2017

But how many miles do you bank in a year to be able to do that? And how far are you flying?

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