Top 8 Credit Cards For Excellent Credit

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 8 credit card deals you can take advantage of right now:

Discover it Miles - Double Miles your first year

Discover it® Miles

 

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  • 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. Bonus Miles - 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 rewards in any amount for cash or a travel credit.
  • 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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In a crowded field of travel cards, Discover it® Miles is a first-class, no annual fee performer. What makes this travel card stand out is a sign-up bonus you won't find anyplace else. Discover will match all the miles you've earned at the end of your first year. For example, if you earn 30,000 miles, Discover will match it by giving you another 30,000 miles for a total of 60,000 miles. This card offers you unlimited 1.5x miles per dollar on all purchases, every day. If you direct your everyday spending to this card, at the end of the first year you could score a massive bonus. Do you have big vacation plans coming up? With this card, you will get a long introductory APR of 0% for 14 Months* on purchases. That means you have lots of time to pay off the trip with no interest payments. Earn a high rate of miles on all your everyday spending with this no-annual fee travel card winner.

Capital One Venture Rewards Credit Card

Capital One® Venture® Rewards Credit Card

 

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  • 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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Another 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!

BankAmericard Cash Rewards Credit Card

BankAmericard Cash Rewards™ Credit Card

 

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  • Intro Purchase APR 0% 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 13.74% - 23.74% Variable APR on purchases and balance transfers
Highlights
  • Click "APPLY NOW" to apply online or call 800-716-6383
  • No annual fee
  • NEW OFFER: $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 up to 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, 13.74% - 23.74% 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% for 12 billing cycles, plus 1% cash back on every purchase, 2% at grocery stores and wholesale clubs, and 3% on gas up to 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!

Discover it - Double Cash Back your first year

Discover it® Cashback Match™

 

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  • Cashback Match™ Get a dollar-for-dollar match of all the rewards you've earned at the end of your first year, automatically*
  • EARN 5% Cash Back in bonus categories and 1% cash back everywhere 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 $200 into $400 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

BankAmericard Travel Rewards® Credit Card

 

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  • Intro Purchase APR 0% for 12 billing cycles
  • Rewards Rate Earn 1.5 points per $1 spent on purchases
  • Regular APR 15.74% - 23.74% 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 15.74% - 23.74% 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 BankAmericard 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.

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. 
  • 24/7 access to Citi® Concierge for help in booking hotels, flights and more.
  • $0 liability on unauthorized purchases and Citi® Identity Theft Solutions.
  • No annual fee* 
  • Free access to FICO® Scores*

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This card 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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(720) Over the Past 60 Days!
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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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  • Rewards Rate Earn 1% on Purchases & 1% on Payments
  • Intro Balance Transfer APR 0% APR for 18 Months
  • 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!

*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.

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Picture of Steve Kinney

By: | Jun 17, 2017

Discover Cash Back is great, plus Discover is an great card to have in your portfolio.

Picture of Chris Chanelle

By: | Jun 16, 2017

I have the citi double cash back card. It's amazing!! I like that any payment you make immediately goes to your available balance. I love that they give you cash back on payments you make. One thing I don't like is it seems like it takes a long time for charges to post.

Picture of Silvanus Okumu

By: | Jun 12, 2017

I have like 4 of these and I Love the Travel rewards from BoFA and the venture rewards from Capital One

Picture of Steve MacDonough

By: | Jun 7, 2017

I just picked up a Wells Fargo Cash Wise visa to get the $200 cash bonus after 3 months. This card also gives u cell phone replacement coverage

Picture of PJ Pinkston Raymond

By: | Jun 6, 2017

I have Bank Americard Cash Rewards Credit Card and love it!

Picture of Kris-daniel DeValck Brown

By: | Jun 2, 2017

I use my Discover on every Continent and no one says a word.

Picture of Pat Harris-Vanlue

By: | Jun 2, 2017

I have 4 of these cards and the best with cashback has been Amex hands down. The annual coverage for the Gold Amex is high but the rewards are also great.

Picture of Sally Black

By: | Jun 2, 2017

I am going for the BankAmericard credit card!

Picture of Nerissa Muega

By: | Jun 2, 2017

I have BOA and Citi card

Picture of Michael Bateson

By: | Jun 1, 2017

Capital One Quicksilver is the best card I've ever had. You sign up and you get a message on your IPhone face saying that your purchase at wherever you bought something is approved, gives you the price you paid, and is very reassuring that if you didn't make the purchase, you know right away, and can deal with it right away. Plus you can get an app for balances and credit score. Great card!

1 Reply

By: David O. Lewis | Jun 18, 2017

I agree, Quicksilver is a great card. Everything you mentioned plus credit scoring/monitoring. You can't beat it. I was at a Honda dealer leasing a car for my wife. The salesman said we are going to check your credit. Before he returned my phone beeped, telling me Honda Finance had just checked my credit. You just can't beat that.!!!

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