Top 10 Credit Cards For Excellent Credit

By , Updated on Aug 11, 2017

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Top 10 Credit Cards For Excellent Credit

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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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(780) Over the Past 60 Days!
  • Bonus Miles One-time bonus of 40,000 miles once you spend $3,000 on purchases within 3 months of account opening, equal to $400 in travel
  • Rewards Rate 2 miles per dollar
  • 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 40,000 miles once you spend $3,000 on purchases within 3 months from account opening, 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 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; $59 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 for every $1 spent and comes with a one-time bonus of 40,000 miles once you spend $3,000 on purchases within 3 months of account opening, equal to $400 in travel. It does have an annual fee of $59, but it’s waived the first year. 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 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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(683) 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
  • 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.

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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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(644) 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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(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*
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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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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(296) 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
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 13.49% - 23.49%* (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 13.49%-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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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 463 Offer Ratings
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(463) Over the Past 60 Days!
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Terms and Conditions apply

Rates & Fees
  • Welcome Offer $100 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
  • $100 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 12 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 (with a $6,000 annual cap) at U.S. supermarkets, 2% at U.S. gas stations and select department stores, and 1% on all other purchases 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 0% intro APR on purchases and balance transfers for 12 months, so if you need to transfer your balance from another card you can put it on this with zero interest for a full year.

Citi Double Cash Credit Card

Citi® Double Cash Card – 18 month BT offer

 

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(796) 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 14.49% - 24.49% (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 14.49% - 24.49% 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 Sapphire Preferred Card

Chase Sapphire Preferred® Card

 

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Over the Past 60 Days!

(285) 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
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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One of the most popular cards for frequent travelers – and for good reason! Chase Sapphire Preferred cardholders earn 2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases worldwide. You can also earn 50,000 bonus points after 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®. Another benefit of this card is it allows you to transfer your points at a 1:1 ratio to several travel programs with no transfer fees, including but not limited to, United MileagePlus, Southwest Rapid Rewards, Hyatt Gold Passport and Marriot Rewards. This makes the card perfect for travelers who like to use multiple loyalty programs or fly with multiple airlines. There is a $95 annual fee, but it is waived for the first year and the rewards can easily make up for it depending on your spending habits.

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Picture of Minghui Cai

By: | Aug 14, 2017

Without annual fee, BoA's Cash reward for grocery and gas, Travel's reward for anything else(with 1.5%), if you have their bank account you can get bonus on your reward. With annual fee, Chase Sapphire reserve is the best, the points are worth much more if you redeem them through Chase ultimate rewards.

Picture of George Duggan

By: | Aug 9, 2017

My cards all have a 0% interest rate, because they are all paid in full at the end of each month. My credit rating is about as good as it can get.

Picture of Vincent Manera

By: | Aug 9, 2017

i have four cards that won't be charging me above zero % interest for at least the next twenty years !

Picture of Jon Heinz

By: | Aug 7, 2017

Started with the Amex Blue Cash Preferred, then went to the Platinum when the deal came along with 60,000 points for 5,000 spent in the first three months; we're doing some home improvements and will hit that in the first month. Those points pay the first year fee (it's $550) and the rest of the year's points are just gravy. And the perks! It's a cool metal card too. It's a charge card so you must pay in full every month, which we've always done anyway.

Picture of Jack Broderick

By: | Aug 5, 2017

Capital One is the top card in my opinion, they are very vigilant about card hacking.

Picture of Thomas Sullivan

By: | Aug 4, 2017

the best credit card is chase freedom

Picture of Sanford Judkins

By: | Aug 3, 2017

Good credit really pays off! Literally.

Picture of Judith Gresh Hock

By: | Jul 26, 2017

I signed up for the Citi Double Cash Mastercard about 2 years ago. I receive 1 % as I spend and receive another 1 % as I pay it back. Best way I have found to put a couple hundred dollars worth of jingle in your pocket.

Picture of Carolean B. DeVine

By: | Jul 25, 2017

I have the Citi Diamond Preferred Card, 0% finance charge for 21 months on balance transfers and purchases. I have paid off two other cards completely and still have a nice balance available to me at 0% on the Citibank Card. All of my FICO scores have increased immensely, two of them by 100 points. By the end of the year I should be completely debt-free and able to pay the Citi Card balances in full at the end of every month. This was the best financial decision I have ever made!

Picture of Ron Dedrick

By: | Jul 24, 2017

I have at least five of these cards. Very happy with them. One to speak of, Bamericard Cash Rewards. The rewards are amazing. I couldn't believe it. A great card to have.

3 Replies

By: Daniel Alan Blankenship | Jul 24, 2017

I have BOA and capital one card

By: Tamara Christiansen | Aug 4, 2017

How can you have 5 cards? New to the CC thing

By: Alana Caputo | Aug 11, 2017

Tamara, I have many more than 5?? Like at least triple...You can have as many as you want if you have excellent credit!

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