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Top 10 Credit Cards for Excellent Credit for December 2019

Top 10 Credit Cards for Excellent Credit for December 2019

*Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any credit card issuer. This site may be compensated through a credit card issuer partnership.

This article was last updated Dec 02, 2019. Terms and conditions may have changed. For the most accurate information, please consult the issuer website.

An excellent credit score can help you qualify for the best credit cards on the market. Whether you’re looking for a rewards card, cashback card, or a balance transfer card, the better your credit score, the higher the odds you’ll be approved.

However, with great rewards also come some additional costs, typically in the form of higher annual fees. Don’t let a killer cashback rate or signup bonus lure you into signing up for a card that may not give enough return on your investment to be worthwhile in the long term.

The key is finding the card with the best value and fit for your lifestyle, which has never been easier as banks compete to win loyalty from desirable customers.

Here are the top 10 credit card deals you can take advantage of right now:

  • 60,000 bonus points

  • 2X points on travel and dining

  • 1:1 point transfer to leading airline and hotel loyalty programs

Highlights
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 60,000 points are worth $750 toward travel

See additional details for Chase Sapphire Preferred® Card

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Rewards: Earn 2x points on travel and dining at restaurants & 1 point per dollar spent on all other purchases worldwide.

New cardmember offer: Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.

The Chase Sapphire Preferred® Card is a great travel rewards card that provides a suite of travel-centric perks. The most noteworthy benefit is the ability to get 25% more value for points when you redeem for travel through Chase Ultimate Rewards. For example, 60,000 points are worth $750 toward travel. While this card has a $95 annual fee, you can recoup it if you spend $4,750 a year on dining and travel.

  • 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

  • 2 Miles per dollar on every purchase, every day

  • Receive up to $100 application fee credit for Global Entry or TSA Pre✓®

Highlights
  • 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 2X miles on every purchase, every day.
  • Receive up to $100 application fee credit for Global Entry or TSA Pre✓®
  • Fly any airline, stay at any hotel, anytime; no blackout dates. Plus transfer your miles to over 12 leading travel loyalty programs
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Named ‘The Best Travel Card' by CNBC, 2018
  • No foreign transaction fees
  • $0 intro annual fee for the first year; $95 after that

See additional details for Capital One® Venture® Rewards Credit Card

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Rewards: Earn 2 miles per dollar on every purchase, every day.

New cardmember offer: 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 Capital One® Venture® Rewards Credit Card has a hassle-free rewards program that allows you to redeem rewards as a statement credit for past travel expenses with no blackout dates or restrictions. There is an annual fee of $0 intro for first year; $95 after that, but spend $4,750 each year (except year one) to break even.

Blue Cash Everyday® Card from American Express

Rewards: Earn 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.

New cardmember offer: $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.

Grocery shoppers will benefit from the higher cash back rate on eligible purchases with the Blue Cash Everyday® Card from American Express. This card also offers a competitive intro APR of 0% for 15 months on purchases and 0% for 15 months on balance transfers that can help finance new purchases or get out of debt. After the intro period ends, there’s an APR of 14.49%-25.49% variable on purchases and 14.49%-25.49% variable on balance transfers.

  • 35,000 Membership Rewards® Points after you spend $4,000 on eligible purchases with your new Card within the first 3 months.*

  • Earn 4X points at restaurants worldwide and U.S. supermarkets on up to $25,000 per year in purchases, then 1X*

  • Up to $100 per year for incidentals*

Highlights
  • Earn 35,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 3 months.
  • Earn 4X Membership Rewards® points when you dine at restaurants worldwide. Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per year in purchases, then 1X). Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
  • Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruth’s Chris Steak House, Boxed, and participating Shake Shack locations. This can be an annual savings of up to $120. Enrollment required.
  • $100 Airline Fee Credit: up to $100 in statement credits per calendar year for incidental fees at one selected qualifying airline.
  • Choose to carry a balance with interest on eligible charges of $100 or more.

See additional details for American Express® Gold Card

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Rewards: Earn 3X Membership Rewards® points for flights booked directly with airlines or on amextravel.com and 4X points at restaurants worldwide and U.S. supermarkets (on up to $25,000 per year in purchases, then 1X).

New cardmember offer: 35,000 Membership Rewards® Points after you spend $4,000 on eligible purchases with your new Card within the first 3 months.

Foodies and grocery shoppers can benefit from the rewards and added perks of the American Express® Gold Card. Cardholders receive a monthly $10 dining credit that can offset the cost of eating at The Cheesecake Factory, Ruth’s Chris Steak House and participating Shake Shack locations or ordering food from Grubhub, Boxed, and Seamless. A one-time activation is required to use this benefit. While there’s a $250 annual fee, taking advantage of the annual dining credit (up to $120) and annual airline fee credit (up to $100) offsets the fee to $30.

  • 0% for 12 months on Purchases

  • 0% for 21 months on Balance Transfers

  • 16.24% - 26.24% (Variable)

Highlights
  • No Late Fees, No Penalty Rate, and No Annual Fee... Ever
  • 0% Intro APR on balance transfers for 21 months from date of first transfer. All transfers must be completed in first 4 months. After that, the variable APR will be 16.24% - 26.24%, based on your creditworthiness.
  • 0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 16.24% - 26.24%, based on your creditworthiness.
  • If you transfer a balance with this offer, after your 0% Intro purchase APR expires, both new purchases and unpaid purchase balances will automatically accrue interest until all balances, including your transferred balances, are paid in full
  • The standard variable APR for Citi Flex Plan is 16.24% - 26.24%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
  • Stay protected with Citi® Quick Lock and $0 liability on unauthorized charges

See additional details for Citi Simplicity® Card - No Late Fees Ever

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Rewards: Non-rewards card.

New cardmember offer: Intro 0% for 21 months on balance transfers (after, 16.24% - 26.24% (Variable) APR).

The Citi Simplicity® Card - No Late Fees Ever offers the longest intro period on transferred balances with an intro APR of 0% for 21 months on balance transfers (after, 16.24% - 26.24% (Variable) APR). If you’re carrying a balance on another high interest card, transferring it to this card can help you save on interest charges. Just know, there is a higher than usual balance transfer fee of 5% of each balance transfer; $5 minimum. However, this card has no late fees, no penalty rate, and a $0 annual fee.

  • Earn 2% cash back on purchases: 1% when you buy plus 1% as you pay.

  • 0% for 18 months on Balance Transfers

  • 15.49% - 25.49% (Variable)

Highlights
  • Earn cash back twice. Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • To earn cash back, pay at least the minimum due on time.
  • Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 15.49% – 25.49%, based on your creditworthiness.
  • Balance Transfers do not earn cash back.
  • The standard variable APR for Citi Flex Plan is 15.49% – 25.49%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.

See additional details for Citi® Double Cash Card – 18 month BT offer

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Rewards: Earn 2% cash back on purchases: 1% when you buy plus 1% as you pay.

New cardmember offer: No bonus.

The Citi® Double Cash Card – 18 month BT offer set the standard for flat-rate cashback cards with its generous and simple rewards program. Cardholders don’t need to keep track of bonus categories or caps to earn an effective 2% cash back on all purchases. Additionally, this card has a long intro period of 0% for 18 months on balance transfers that can help you pay off debt interest-free. After the intro period ends, the APR is 15.49% - 25.49% (variable). If you’re looking to transfer a balance and earn rewards on new purchases — all at a $0 annual fee, then the Citi® Double Cash Card – 18 month BT offer is a great option.

  • Earn unlimited 1.5 points per $1 spent on all purchases

  • 0% Introductory APR on purchases for 12 billing cycles

  • 16.49% - 24.49% Variable APR on purchases and balance transfers

Highlights
  • 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
  • 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 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
  • 0% Introductory APR for 12 billing cycles for purchases. After the intro APR ends, 16.49% - 24.49% Variable APR will apply
  • If you're a Preferred Rewards member, you can earn 25% - 75% more points on every purchase

See additional details for Bank of America® Travel Rewards Visa® credit card

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Rewards: Earn unlimited 1.5 points per $1 spent on all purchases.

New cardmember offer: 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.

The Bank of America® Travel Rewards Visa® credit card is a decent $0 annual fee travel rewards card with simple rewards redemption. Points can be redeemed as a statement credit for travel purchases with no blackout dates or restrictions. If you’re a Preferred Rewards  member, you can earn 25% – 75% more points on every purchase.

  • 0% Introductory APR on purchases for 15 billing cycles

  • 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days

  • 15.49% - 25.49% Variable APR on purchases and balance transfers

Highlights
  • No annual fee
  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
  • Earn 3% cash back in the category of your choice, 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases
  • 0% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 15.49% - 25.49% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers
  • No expiration on rewards
  • If you're a Preferred Rewards member, you can earn 25% - 75% more cash back on every purchase

See additional details for Bank of America® Cash Rewards credit card - $200 Cash Rewards Offer

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Rewards: Earn 3% and 2% cash back on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter, 1% on all other purchases.

New cardmember offer: $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.

The Bank of America® Cash Rewards credit card - $200 Cash Rewards Offer has a flexible cashback program that allows cardholders to select one of six categories to earn 3% cashback in each month: gas, online shopping, dining, travel, drug stores, or home improvement/furnishings. You can change the bonus category each month or keep the same choice. Compared to other rotating cashback cards, the ability to choose your category is a nice perk. Similar to the Bank of America® Travel Rewards Visa® credit card, this card has a $0 annual fee and offers Preferred Rewards members 25%-75% more cash back on every purchase.

  • 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 different places each quarter up to the quarterly maximum, when you activate*

  • Any amount, any time. Cash back rewards never expire*

Highlights
  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate.
  • Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Redeem cash back any amount, any time. Rewards never expire.
  • Use your rewards at Amazon.com checkout.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • No annual fee.
  • See Rates & Fees

See additional details for Discover it® Cash Back

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Rewards: Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate, 1% unlimited cash back on all other purchases - automatically.

New cardmember offer: Discover will automatically match all the cash back you earn at the end of your first year.*

If you want to maximize your cash back, the Discover it® Cash Back provides quarterly 5% cashback categories that can allow you to earn high rewards — all with a $0 annual fee. For 2019, the categories include grocery stores (January-March), gas stations, Uber & Lyft (April-June), restaurants and PayPal (July-September), and Amazon.com, Target, and Walmart.com (October-December). Just know, each quarter the 5% cash back is limited to $1,500 in spending, and you have to sign up. Once you hit that amount, you’ll earn 1% cash back. The new cardmember offer is also unique with no minimum spending required to get a match of all the cash back you earned during your first year of account opening.

  • We'll match all the Miles you've earned at the end of your first year.*

  • 1.5 Miles per $1 Spent*

  • Redeem your Miles as a statement credit towards travel purchases*

Highlights
  • UNLIMITED BONUS: Discover will match ALL the Miles you’ve earned at the end of your first year, automatically. For example, if you earn 35,000 Miles, you get 70,000 Miles. That’s $700 towards travel! The more you earn, the more you get.
  • Earn unlimited 1.5x Miles for every dollar spent on all purchases - with no annual fee.
  • No Blackout Dates. Simply pay for travel purchases like airlines, hotels, rental cars, and more with your Discover it® Miles card.
  • Miles Pay You Back. Easily redeem Miles as a statement credit for travel purchases. Or get cash.
  • 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.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • See Rates & Fees

See additional details for Discover it® Miles

More Info

Rewards: Unlimited 1.5x Miles for every dollar spent on all purchases - with no annual fee

New cardmember offer: Discover will match ALL the Miles you’ve earned at the end of your first year, automatically. For example, if you earn 35,000 Miles, you get 70,000 Miles. That’s $700 towards travel!

The Discover it® Miles is a decent flat-rate rewards card that allows you to redeem miles as a statement credit for past travel purchases starting at a penny. This is a great perk since many cards set $25 minimum redemption amounts. Plus, there are no blackout dates, so you can fly any airline, anytime. With a $0 annual fee and generous new cardmember offer, you can benefit from this straightforward travel rewards card.


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