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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(554) Over the Past 60 Days!
  • Intro Purchase APR 0% for 12 billing cycles
  • Rewards Rate Earn 1.5 points per $1 spent on purchases
  • Regular APR 15.49%-23.49% 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 15.49% - 23.49% 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.

Blue Cash Everyday Card from American Express

Blue Cash Everyday® Card from American Express

 

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(685) Over the Past 60 Days!
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Rates & Fees
  • Welcome Offer Earn $100 back after you spend $1,000 in the first 3 months*
  • Bonus Cash Back 3% at U.S. supermarkets on up to $6,000 per year in purchases*
  • Limited Time Offer Apply by 5/3/17 – Earn 10% cash back on purchases at U.S. Restaurants in the first 6 months, up to $200 back.
Highlights
  • Click "APPLY NOW" to apply online or call 866-901-8258
  • Limited Time Offer: Apply by 5/3/17 – Earn 10% cash back on purchases at U.S. Restaurants in the first 6 months, up to $200 back.
  • Plus, earn $100 back after you spend $1,000 in purchases on your new Card within the first 3 months.
  • Everyday Cash Back: 3% at U.S. supermarkets on up to $6,000 per year in purchases (then 1%); 2% at U.S. gas stations; 1% on other purchases. Terms and limitations apply.
  • No rotating reward categories. No enrollment required.
  • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit. You can only earn cash back on eligible purchases.
  • No annual fee. Plus, 0% intro APR on purchases and balance transfers for 12 months, then a variable rate, currently 13.74% to 23.74%, based on your creditworthiness and other factors.
  • 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. For a limited time, this card boasts an unbelievable 10% cash back at U.S. restaurants for the first 6 months, up to $200 back. 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.

Capital One Venture Rewards Credit Card

Capital One® Venture® Rewards Credit Card

 

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(558) Over the Past 60 Days!
  • Bonus Miles 40,000 miles after spending $3,000 in the first 3 months of approval
  • 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 of approval, 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
  • Limited Time Offer: 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 40,000 mile sign up bonus after you spend $3,000 on purchases within the first 3 months – equivalent 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!

Discover it - Double Cash Back your first year

Discover it® Cashback Match™

 

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(617) 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 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
  • 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, unlimited 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 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.

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
  • 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!

BankAmericard Cash Rewards Credit Card

BankAmericard Cash Rewards™ Credit Card

 

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3.9/5.0 from 252 Offer Ratings
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(252) Over the Past 60 Days!
  • Introductory APR 0% for 12 billing cycles on purchases and qualifying transfers
  • Bonus Rewards 3% on Gas, 2% on Groceries & Wholesale Clubs, 1% on all other purchases
  • Regular APR 13.49% -23.49% Variable APR on purchases and balance transfers
Highlights
  • Click "APPLY NOW" to apply online or call 800-716-6383
  • No annual fee
  • $100 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, 13.49% - 23.49% 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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0% intro APR for 12 billing cycles, combined with 3% cash back on gas, 2% cash back on grocery stores/wholesale clubs (on up to the first $2,500 in combined grocery/wholesale club/gas purchases each quarter), and 1% cash back on everything else 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, when you spend just $500 in the first 90 days, about $6 a day, you’ll receive a $100 bonus. With cash back, no annual fee, a long 0% intro APR, and a $100 sign up bonus, and you can see why this card is a top pick of ours!

wells fargo cash wise visa credit card

Wells Fargo Cash Wise Visa® Credit Card

 

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(109) Over the Past 60 Days!
  • Rewards Rate Unlimited 1.5% Cash Back*
  • Sign Up Bonus Earn $150 cash rewards bonus*
  • Mobile Wallet Rate Enjoy 1.8% cash rewards on Android Pay™ or Apple Pay™ *
Highlights
  • Click "APPLY NOW" to apply online
  • Earn $150 cash rewards bonus after spending $1,000 in the first 3 months
  • Earn unlimited 1.5% cash rewards on virtually every purchase
  • Enjoy 1.8% cash rewards on qualified mobile wallet purchases, like Apple Pay® or Android Pay™, during the first 12 months from account opening
  • Cash rewards don't expire as long as your account remains open
  • $0 Annual Fee
  • 0% Intro APR for 12 months on purchases and balance transfers, then a 13.74%-25.74% variable APR; balance transfer fees apply
  • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Cash Wise Visa® Credit Card
  • Select "Apply Now" to learn more about the product features, terms, and conditions

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A cash back credit card that more people should know about is the Wells Fargo Cash Wise Card. This credit card offers a sign up bonus of $150 after spending $1,000 in the first 3 months. Additionally, it offers two unique features: When you pay your monthly phone bill with the Wells Fargo Cash Wise Card you’ll get up to $600 protection on your cell phone against covered damage or theft. You’ll also receive 1.8% cash rewards on qualified mobile wallet purchases, like Apple Pay® or Android Pay® for the first 12 months of opening an account. While you take advantage of the high cash back offer, phone protection, and qualified mobile wallet purchases, you’ll also enjoy unlimited 1.5% cash rewards on virtually every purchase. There is also 0% Intro APR for 12 months on purchases and balance transfers. The variable APR is 13.74%-25.74% after the 0% intro APR for 12 months period. On top of all these amazing perks, you don’t have to worry about an annual fee. If you’re looking for a cash back card with $0 annual fee, a sign up bonus, and excellent perks, this is the card.

discover it - 18 month balance transfer offer

Discover it® - 18 Month Balance Transfer Offer

 

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(255) Over the Past 60 Days!
  • Intro Balance Transfer APR 0% for 18 Months*
  • Rewards Rate 5% cash back in bonus categories, 1% on everything else*
  • Exclusive Bonus Offer Get a dollar-for-dollar match of all the rewards you've earned at the end of your first year, automatically*
Highlights
  • Click "APPLY NOW" to apply online or call 888-333-5886
  • 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, unlimited 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 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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Looking to transfer a credit card balance but also want a card you can use to earn massive rewards? This credit card is perfect for you. Discover it® is offering a lengthy 0% intro APR on balance transfers for 18 months, and 11.49% - 23.49% (Variable) after that. This card offers 5% cash back on rotating categories such as Amazon.com, restaurants and wholesale clubs. It also offers unlimited 1% cash back on all other purchases. That’s not even the best part. Discover offers a dollar-for-dollar match for all the cash back you earn at the end of the first year. This means if you’ve earned $200 cash back at the end of your first year, Discover will match it, automatically for a total of $400 in cash back rewards. In addition to these perks, you’ll get your FICO® Credit Score for free with $0 annual fee. If you’re looking for a balance transfer card that can also earn lots of rewards with no annual fee, this is an excellent choice.

*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, andand may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through the credit card issuer Affiliate Program.

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Picture of David Leung

By: | Mar 23, 2017

Venture card is a 2% return card with no gimmicks.

Picture of Gertrude Buss Affayroux

By: | Mar 22, 2017

I have a Barclays Visa Card that we use credits toward cruising each year. We have credit score in the high 8oo's. We pay our balance every month. No annual fee's.

Picture of Charles F Jacobs Jr

By: | Mar 19, 2017

Credit score 739 and rising. What credit card should I apply for to transfer another card balance with most interest free months? Also, 0 annual fee, thank you.

1 Reply

By: CompareCards | Mar 20, 2017

The Citi Simplicity and Citi Diamond Preferred each offer 0% intro APR for 21 months which is currently the longest on the market!

Picture of Maurice Bright

By: | Mar 17, 2017

I am a proud owner and user of the American Express card

Picture of Mickey Cashen

By: | Mar 17, 2017

I have the AmEx Blue Cash Everyday because it always gives 3% cashback at Supermarkets and the Citi Double Cash Mastercard is my fallback card I used the most: if my other cards only offer 1% (Walmart, Aldi, etc.). I also have the Discover Card for it's great, rotating 5% cash-back on quarterly categories (Jan-Mar gasoline, Apl-June hardware stores). Not mentioned here is another card, no-annual-fee like all the others mentioned by me, that has quarterly 5% cash-back categories, the Chase Freedom Visa (Jan-Mar gasoline, Apl-June supermarkets and drugstores).

Picture of James Duch

By: | Mar 15, 2017

what card does not charge any fee for the balance tranfers. most charge 3 percent on what you transfer. Example transferring 5,000 cost you 150 dollars. JD

1 Reply

By: CompareCards | Mar 17, 2017

Two credit cards that currently offer no intro balance transfer fee are the Chase Slate card and the Barclaycard Ring Mastercard. The both also come with 0% intro APR for the first 15 months!

Picture of Steven Dozard

By: | Mar 13, 2017

Is 677 considered a good credit score?

3 Replies

By: CompareCards | Mar 14, 2017

A credit score in the high 600s is generally considered in the fair to good range. Check out our page for credit cards for fair credit and credit cards for good credit to see all the best options for you!

By: Mickey Cashen | Mar 17, 2017

I had some credit problems around the time of the 2008-9 crash and I was able to get credit cards soon after, including some mentioned here, with a credit score under 700. Mine is 782 now and I have the best set of credit cards to max. my cash-back - as I posted in another comment.

By: Dwayne Elliott | Mar 24, 2017

Bring your score up to 700-720 and you will save -a-lot-of-money. Pay on time-all the time. Borrow $500. cash -or more from a card and pay it off ahead of time. You will see your credit grow.

Picture of Wayne B. Yong

By: | Mar 13, 2017

Hi, What happens to your credit score when you transfer your balance from an old credit card (long time account with high APR) to a new card (with lower APR)? Would I be better off getting a Personal Loan to take care of the balance, in terms of my credit score? Credit Score 800.

1 Reply

By: CompareCards | Mar 14, 2017

Performing a balance transfer will have different effects on your credit based on your situation. In most cases, it will actually help raise your credit score in the long run because by opening a new line of credit you are decreasing your credit utilization rate and by paying down your balances you are decreasing the total amount of debt you owe.

Picture of Debbie D'Haene Rang

By: | Mar 9, 2017

Looking for a card with no transfer fees

1 Reply

By: CompareCards | Mar 10, 2017

Check out the Chase Slate and the Barclaycard Ring Mastercard if you're looking for no intro balance transfer fee!

Picture of TommyDorothy Forsyth Heath

By: | Mar 5, 2017

What's the best one for 0% balance transfers, & 0% interest & the length of time? Credit score 797.

2 Replies

By: CompareCards | Mar 7, 2017

If you're looking for the longest possible intro APR, the Citi Simplicity or the Citi Diamond Preferred would each be a great place to start!

By: Dwayne Elliott | Mar 24, 2017

Bank of America- 0% interest for 12 months is their current advertisement.

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