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:

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 1.5 points for every dollar you spend, and points can be redeemed for nearly any travel purchase in the form of a statement credit. This card comes with a 20,000-point sign up bonus when you spend $1,000 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.

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 or Expiration
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 don't expire 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 don’t expire. All of these benefits make the Capital One Venture Card a great fit for all travelers and even once-a-year vacations!

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 14.24% - 24.24%* (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 14.24% - 24.24% 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!

Blue Cash Everyday Card from American Express

Blue Cash Everyday® Card from American Express

 

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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 13.74% to 24.74%.
  • 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.

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.

Capital One Quicksilver Cash Rewards Credit Card

Capital One® Quicksilver® Cash Rewards Credit Card

 

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  • Rewards Rate Unlimited 1.5% Cash Back
  • Bonus Cash One-time $100 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Cash Back Details No minimums for redeeming and rewards don't expire
Highlights
  • Click "APPLY NOW" to apply online
  • One-time $100 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • Use your Quicksilver card and get 50% back as a statement credit on your monthly Spotify Premium subscription, now through April 2018
  • No rotating categories or sign ups needed to earn cash rewards; plus, cash back doesn’t expire and there’s no limit to how much you can earn
  • 0% intro APR on purchases for 9 months; 13.74%-23.74% variable APR after that
  • Balance transfers also have a 0% intro APR for 9 months; 13.74%-23.74% variable APR after that; a 3% fee applies to each balance transferred
  • Pay no annual fee or foreign transaction fees

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This popular cash back card takes the headache out of rewards. With unlimited 1.5% Cash Back on every purchase, every day, you never have to worry about rotating categories or changing rewards programs. And unlike other cards that make you have $25 in rewards before you cash out, the Capital One® Quicksilver® Cash Rewards Credit Card has no minimums for redeeming and your rewards don’t expire. You also get a hefty one-time $100 cash bonus after you spend $500 on purchases within 3 months from account opening. To top it off, you even get no annual fee, no foreign transaction fees, and 0% intro APR on purchases and balance transfers for 9 months. With low interest, few fees, and exceptional rewards the Capital One® Quicksilver® Cash Rewards Credit Card is an outstanding choice!

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
  • Intro BT APR 0% for 21 Months
  • Regular Purchase APR 13.24% - 23.24% (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 APR will be 13.24% - 23.24% 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 a 21-month 0% introductory APR for purchases and balance transfers – with no annual fee! That means you won’t have to pay any interest all the way into 2019. By transferring your other high interest credit card balances to this card, you’ll have almost two years to pay off your balances. 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.

*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 Debbie Nichols

By: | May 21, 2017

I have done really well with my discover and capital one Venture

Picture of Daniel Garnica Jr

By: | May 20, 2017

I have 3 of these. Great cards.

Picture of Thomas H Jenkins

By: | May 20, 2017

I use two cards, Costco Citi Card and Capital One Venture. The rebates from Costco more than offsets the cost of membership and gas is 4% back, 3% FOR DINING OUT. For most of my purchases I use my Capital One Venture, a flat 2% on everything. Rebates for 2016 were Costco Citi Card $562.00 and Capital One Venture $971.00. But always pay in full every month

Picture of Pat Warren Davis

By: | May 20, 2017

I also have three of them already and plan to increase soon. Why not?

Picture of Harvetta Pannell Pate

By: | May 20, 2017

Amex is the best card!!!

Picture of Sharon Hendrickson Dillsaver

By: | May 18, 2017

Chase is the best

Picture of Michael W. Radelt

By: | May 17, 2017

I bank and invest through B of A. They will give you some serious cash back on their card.

Picture of Al Parolini

By: | May 17, 2017

The secret is to pay off the account each month -- to ensure that you don't get a high interest rate charge on the unpaid balance.

Picture of Bantum Gallardo Antonio

By: | May 16, 2017

credit can fast forward you to a better life. life is good

Picture of Joe Waleski

By: | May 14, 2017

I have 3 of them already. Great information

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