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Top 10 Credit Cards for Excellent Credit

Top 10 Credit Cards for Excellent Credit

*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.

This article was last updated Jul 31, 2018, but some terms and conditions may have changed or are no longer available. For the most accurate and up to date information please consult the terms and conditions found on the issuer website.

An excellent credit score can help you qualify for the best credit cards on the market. The effort you put in to attain excellent credit won’t go unnoticed and banks will be vying for your business with unique card offers.

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 you 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, thankfully, 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:

Capital One® Venture® Rewards Credit Card

  • 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

  • Earn unlimited 10x miles on hotels when you pay with your Venture card at hotels.com/venture

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. Plus earn 10X miles on thousands of hotels; learn more at hotels.com/venture
  • Named ‘The Best Travel Card' by CNBC, 2018
  • Receive up to $100 application fee credit for Global Entry or TSA Pre✓®
  • Fly any airline, stay at any hotel, anytime; 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; $95 after that

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

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This card earns a great flat-rate of 2 miles per dollar on every purchase, every day. That’s a higher rate than other travel rewards cards and you don’t have to deal with caps or rotating categories. There is an annual fee of $0 intro for first year; $95 after that, which is something to consider before applying. You need to spend $4,750 to break even on the annual fee each year (except Year 1, since the annual fee is waived). Miles can be redeemed with ease as a statement credit toward the cost of travel. Frequent travelers will benefit from the Capital One® Venture® Rewards Credit Card, especially those who travel outside the U.S. since there is no foreign transaction fee.

Blue Cash Everyday® Card from American Express

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

  • 3% at U.S. supermarkets on up to $6,000 per year in purchases*

  • 2% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.

Highlights
  • $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • 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 15 months on purchases and balance transfers, then a variable rate, currently 14.99% to 25.99%.
  • Over 1.5 million more places in the U.S. started accepting American Express® Cards in 2017.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • No annual fee.
  • Terms Apply.
  • See Rates & Fees

See additional details for Blue Cash Everyday® Card from American Express

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Grocery shoppers will benefit from the higher cash back rate on eligible purchases with this card. You 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. Cash back comes in the form of Blue Cash Reward Dollars that can be redeemed for statement credit. There is also a good intro offer of 0% for 15 months for purchases and 0% for 15 months for balance transfers (after, 14.99%-25.99% Variable APR), ideal for those who want to carry a balance without accruing interest during the promotional period. Overall, the Blue Cash Everyday® Card from American Express is a good choice for grocery shoppers — all at a $0 annual fee.

Citi Simplicity® Card - No Late Fees Ever

  • 0%* for 12 months on Purchases*

  • 0%* for 21 months on Balance Transfers*

  • 15.99% - 25.99%* (Variable)

Highlights
  • The ONLY card with 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 15.99% - 25.99%, based on your creditworthiness
  • 0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 15.99% - 25.99%, 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 balance, are paid in full
  • There is a balance transfer fee of either $5 or 5% 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

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

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Another great option for 0% intro periods is the Citi Simplicity® Card - No Late Fees Ever. You receive an intro 0%* for 12 months on Purchases* and an intro 0%* for 21 months on Balance Transfers* (after, a 15.99% - 25.99%* (Variable) APR applies). This allows you well over a year to pay off your debt without being charged interest. This is the only card with no late fees, no penalty rate, and a $0* annual fee. There are no rewards for this card — it’s simply designed for those who need to carry a balance. This card is similar to the Citi® Diamond Preferred® Card – 21 Month Balance Transfer Offer, except that this card has a slightly higher ongoing APR and doesn’t offer Citi® Private Pass®. Overall, the Citi Simplicity® Card - No Late Fees Ever is a good no-frills card for those looking to take advantage of a long 0% intro period.

Citi® Diamond Preferred® Card – 21 Month Balance Transfer Offer

This card is ideal for people looking to carry a balance and need a long time to pay it off. You have 0%* for 12 months on purchases* and 0%* for 21 months on balance transfers* (after, 14.99% - 24.99%* (Variable) APR), allowing you almost two years to become debt free. This card is very similar to the Citi Simplicity® Card - No Late Fees Ever mentioned earlier and has a slightly lower ongoing APR and offers the added perk of the Citi® Private Pass®. If you want to pay off a balance over a long time period, the Citi® Diamond Preferred® Card – 21 Month Balance Transfer Offer can help you become debt free with one of the longest 0% intro periods on the market. This offer and/or promotion may have since changed, expired, or is no longer available.

Citi® Double Cash Card – 18 month BT offer

  • 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 2% cash back on purchases: 1% when you buy plus 1% as you pay
  • Balance Transfers do not earn cash back
  • 0% Intro APR on Balance Transfers for 18 months. After that, the variable APR will be 15.49% - 25.49% based on your creditworthiness*
  • No categories to track, no caps on cash back, no annual fee*

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

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This card is credited with setting the standard for flat-rate cash back cards where you Earn 2% cash back on purchases: 1% when you buy plus 1% as you pay. This is a simple cash back program that doesn’t require you to keep track of bonus categories or caps. Additionally, there are great Citi cardmember perks such as Citi® Private Pass® and Citi® Price Rewind that allow you to access exclusive events and possibly earn credits on past purchases. There is 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, there’s a 15.49% - 25.49%* (Variable) APR. 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.

Bank of America® Travel Rewards credit card - 25,000 Bonus Points Offer

  • Earn 1.5 points per $1 spent on all purchases

  • 0% Introductory APR on purchases for 12 billing cycles

  • 16.99% - 24.99% 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
  • NEW OFFER: 25,000 online bonus points if 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
  • Comes with chip technology for enhanced security and protection at chip-enabled terminals
  • 0% Introductory APR for 12 billing cycles for purchases, then 16.99% - 24.99% 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%

See additional details for Bank of America® Travel Rewards credit card - 25,000 Bonus Points Offer

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This card is offers a decent rewards rate: Earn 1.5 points per $1 spent on all purchases. Rewards can be redeemed as a statement credit for travel purchases. There are two ways to increase your rewards: 1) You can earn a 10% customer points bonus on every purchase when you have an active Bank of America® checking or savings account; 2) If you’re a Preferred Rewards client, you could increase that bonus to 25-75%. Don’t worry about being charged a fee when you travel abroad — there is none. The Bank of America® Travel Rewards credit card - 25,000 Bonus Points Offer is a good choice for people who want to earn travel rewards, and an even better option for Bank of America Preferred Rewards clients.

Bank of America® Cash Rewards credit card - $200 Cash Rewards Offer

  • 0% Introductory APR on purchases for 12 billing cycles

  • 0% Intro APR for 12 billing cycles for balance transfers made in the first 60 days

  • 15.24% - 25.24% Variable APR on purchases and balance transfers

Highlights
  • No annual fee
  • NEW OFFER: $200 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, 15.24% - 25.24% 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%
  • Easily add your Mastercard® credit card to any digital wallet for a simple, secure, and convenient way to pay online, in-app, and in-store

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

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Frequent spenders in gas will benefit the most from the cash back rate of this card. 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. You can earn a rewards bonus in two ways: 1) Earn a 10% customer points bonus on every purchase when you have an active Bank of America® checking or savings account; 2) Preferred Rewards clients can increase that bonus to 25% – 75%. The higher rate for gas is ideal for people who are constantly at the pump, and the rewards bonus you can earn make the Bank of America® Cash Rewards credit card - $200 Cash Rewards Offer a good choice — all with a $0 annual fee.

Discover it® Cash Back

  • 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, or wholesale clubs 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. 
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up. 
  • No annual fee.
  • See Rates & Fees

See additional details for Discover it® Cash Back

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If you want to maximize your cash back, this card provides you with quarterly bonus categories that can allow you to earn high rewards. You’ll earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate. 1% unlimited cash back automatically on all other purchases. A great way to use this card is to pair it with a high flat-rate cash back card for non-bonus category purchases. The Cashback Match™ feature is a great added bonus where Discover will automatically match all the cash back you earn at the end of your first year.* In addition to cash back, there is a good intro period of 0% for 14 months for purchases and 0% for 14 months for balance transfers (after, 13.99% - 24.99% Variable APR). At a $0 annual fee, the Discover it® Cash Back is a good option to increase your cash back earnings.

Discover it® Miles

  • 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
  • INTRO OFFER: Discover will match ALL the Miles you've earned at the end of your first year, automatically. For example, if you earn 30,000 Miles, you get 60,000 Miles. That's $600 towards travel! 
  • Earn unlimited 1.5x Miles for every dollar spent on all purchases all 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 free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more. 
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up. 
  • No Annual Fee.
  • See Rates & Fees

See additional details for Discover it® Miles

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With this card you earn unlimited 1.5x miles per dollar on all purchases, every day. This is a lower rate than some other cards, but reasonable since the annual fee is $0. Rewards can be redeemed for cash or as a credit for travel purchases. The new cardmember bonus is a great way to maximize your rewards in year one and Discover will automatically match all the Miles you've earned at the end of your first year. There is also a decent intro rate for purchases of 0% for 14 months that allows you to carry a balance and avoid interest (after, 13.99% - 24.99% Variable APR). The Discover it® Miles is a good card for travelers that want to earn a flat-rate on all purchases.

The Amex EveryDay® Credit Card from American Express

The Amex EveryDay® Credit Card from American Express is a comprehensive card that offers cardholders a wide range of perks including a rewards program and the ability to transfer debt from a non-Amex card. You earn 2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x), 1x points on other purchases. There is an intro 0% for 15 months on balance transfers (after, 14.99%-25.99% Variable APR) with a $0 balance transfer fee. Completing a balance transfer is a great way to save on interest payments you’d typically incur on your current card. Just remember you can’t transfer a balance from another Amex card. Overall, The Amex EveryDay® Credit Card from American Express is a great choice, especially with its $0 annual fee.

The information related to The Amex EveryDay® Credit Card from American Express has been collected by CompareCards and has not been reviewed or provided by the issuer of this card prior to publication.


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