- Click APPLY NOW to apply online.
- INTRO OFFER: Unlimited Cashback Match for all new cardmembers. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
- Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases.
- Redeem cash back for any amount. No annual fee.
- Get a 0% intro APR for 15 months on purchases. Then 17.49% to 26.49% Standard Variable Purchase APR applies, based on credit worthiness.
- Terms and conditions apply.
- Rates & Fees
Reviews
"
"
CompareCards says issuers are providing such generous deals, they're virtually irresistible for those willing to switch.
"
"
Those who always pay their balances in full and on time will usually come out ahead.
"
"
The offers on the credit card landscape are constantly changing which is great news for consumers.
"
"
In the future, the companies that will thrive are those able to give customers exactly what they want, the way they want it, when they want it.
"
"
CompareCards was one of three sites that met all the criteria.
Trusted & Secure
Empowering over
50,000,000 card holders
Since 2005
Best Credit Cards for Excellent Credit
- Compare the best credit card offers from our partners for those people with Excellent credit
- Independent ratings and reviews for the top credit credit cards
- Secure and immediate online application process
See offers from our partners below.
While this site receives compensation from companies listed here, this does not influence our ratings or reviews. Learn more here.
Our pick for 1:1 cash back match in your first year
-
Annual Fee$0
-
Welcome OfferCashback Match
-
Rewards Rate1% - 5% cash back
-
Credit Needed
Bottom Line
The Discover it® Cash Back credit card is an excellent cash back card that currently offers one of the best welcome offers on the market. With cash back, no annual fee, and a nice intro APR, this card is a good fit for just about anyone.
Our Take
The Good
There is no limit to the amount of cash back you can earn with the Cashback Match offer, so you could earn a huge welcome offer in your first year.
The Not So Good
If you don't want to have to think about the rotating bonus categories, this might not be the best card for you.
Highlights
See Additional Details for Discover it® Cash Back
-
Annual Fee$0
-
Welcome OfferN/A
-
Rewards RateN/A
-
Credit Needed
Bottom Line
Credit cards don't get much simpler than this. There's no fancy rewards program, but cardholders could potentially save a lot of money with the low interest rates offered on this card.
Our Take
The Good
You'll be hard-pressed to find a card with a lower ongoing APR for purchases, balance transfers, and cash advances. Plus there's no annual fee, no foreign transaction fees and no penalty rate.
The Not So Good
If you want to earn rewards on your purchases, this card isn't for you.
Highlights
- Click APPLY NOW to apply online.
- Must be a USAA® member, or become a member, to apply. USAA proudly offers membership to current and former military, as well as their spouses and dependents.
- Intro Offer: Get a 0% intro APR for 15 months on balance transfers and convenience checks that post within 90 days of account opening. After this time, the variable regular APR of 10.40% - 24.40% will apply to introductory balances.
- A fee of 5% of the amount of each balance transfer, cash advance and convenience check applies. If you transfer a balance or write a convenience check to take advantage of the introductory rate offer, you will immediately incur interest on purchases until you pay your balance in full, including any transferred balances.
- No annual fee.
- No foreign transaction fees.
- 10.40% - 24.40% variable regular APR.
- See Rates and Fees for details.
- Rates & Fees
See Additional Details for USAA Rate Advantage Credit Card
Our pick for frequent online shoppers
-
Annual Fee$0
-
Regular APR19.49%-28.49% Variable
-
Rewards Rate
- Earn 3% cash back at U.S. supermarkets, on U.S. online retail purchases, and at U.S. gas stations, on eligible purchases for each category on up to $6,000 per year in purchases (then 1%).
- Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
1% - 3% cash back -
Credit NeededGood / Excellent
Bottom Line
The Blue Cash Everyday® Card from American Express is a robust card with no annual fee. There is a great welcome offer, and you get the exceptional service you’d expect with any Amex credit card. To see rates & fees for Blue Cash Everyday® Card from American Express, please click here.
Our Take
The Good
With no annual fee, generous rewards rates, and the welcome offer, this is a great card for any consumer. You'll also receive the legendary American Express perks and customer service.
The Not So Good
Outside of the the special bonus categories, you only earn 1% cash back on purchases.
Highlights
- Click APPLY NOW to apply online.
- Apply and find out your welcome offer. As High As $200 cash back* after you spend $2,000 in purchases on your new Card within the first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply, and if approved: 1. Find out your offer amount 2. Accept the Card with your offer 3. Spend $2,000 in 6 months 4. Receive the cash back. *Cash back is received in the form of Reward Dollars that can be redeemed for a statement credit or at Amazon.com checkout.
- No Annual Fee.
- Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, your APR will be a variable APR of 19.49%-28.49%.
- Plan It®: Buy now, pay later with Plan It. Split purchases of $100 or more into equal monthly installments with a fixed fee so you don’t have the pressure of paying all at once. Simply select the purchase in your online account or the American Express® App to see your plan options. Plus, you’ll still earn rewards on purchases the way you usually do.
- Earn 3% cash back at U.S. supermarkets, 3% cash back on U.S. online retail purchases, 3% cash back at U.S. gas stations, on eligible purchases for each category on up to $6,000 per year in purchases (then 1%). Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
- Get up to a $7 monthly statement credit after using your enrolled Blue Cash Everyday® Card for a subscription purchase, including a bundle subscription purchase, at DisneyPlus.com, Hulu.com, or Stream.ESPN.com U.S. websites. Subject to auto-renewal.
- Terms Apply.
- Rates & Fees
See Additional Details for Blue Cash Everyday® Card from American Express
-
Annual Fee$0
-
Welcome Offer250 dollars
-
Rewards Rate1.5% cash back
-
Credit Needed
Bottom Line
This card offers a simple cash back reward program with no limits on the amount of rewards you can earn. If you're looking for a hassle-free card from USAA Federal Savings Bank that offers generous rewards, the USAA Preferred Cash Rewards Credit Card is the one for you.
Our Take
The Good
The cash back is unlimited with this card and you don't have to worry about rotating categories. Also, you'll enjoy a long list of Visa Signature perks and benefits.
The Not So Good
There's no intro APR with this card.
Highlights
- Click APPLY NOW to apply online.
- Must be a USAA® member, or become a member, to apply. USAA proudly offers membership to current and former military, as well as their spouses and dependents.
- Intro Offer: Earn a $250 reward bonus after spending $1,000 on qualifying purchases within 90 days of account opening.
- Earn unlimited 1.5% cash back on purchases, no category restrictions and no caps.
- No annual fee.
- Cash back rewards never expire.
- Redeem cash back your way, on your schedule.
- No foreign transaction fees.
- A fee of 5% of the amount of each balance transfer, cash advance and convenience check applies.
- 15.40% - 27.40% variable regular APR.
- Terms and Restrictions apply. See the Reward Terms and Conditions on USAA's website for details.
- See Rates and Fees for details.
- Rates & Fees
See Additional Details for USAA Preferred Cash Rewards Credit Card
Our pick for aspiring home chefs
-
Annual Fee$0 intro annual fee for the first year, then $95.
-
Regular APR19.49%-28.49% Variable
-
Rewards Rate
- Earn 6% cash back at U.S. supermarkets on up to $6,000 per year in eligible purchases (then 1%)
- Earn 6% cash back on select U.S. streaming subscriptions
- Earn 3% cash back at eligible U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more) purchases
- Earn 1% cash back on other purchases
- Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout
1% - 6% cash back -
Credit NeededGood / Excellent
Bottom Line
The Blue Cash Preferred® Card from American Express is the ultimate cash back rewards card for consumers who spent a lot of money on groceries and gas. This card not only comes with some of the most generous rewards, but there is a nice intro APR as well. To see rates & fees for Blue Cash Preferred® Card from American Express, please click here.
Our Take
The Good
The cash back rate on supermarkets is the one of highest we've found on any credit card! When you include the cash back on gas and all other purchases, this card is a no-brainer for many consumers.
The Not So Good
There is a foreign exchange fee of 2.7% of each transaction after conversion to US dollars.
Highlights
- Click APPLY NOW to apply online.
- Apply and find out your welcome offer. As High As $300 cash back* after you spend $3,000 in purchases on your new Card within the first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply, and if approved: 1. Find out your offer amount 2. Accept the Card with your offer 3. Spend $3,000 in 6 months 4. Receive the cash back. *Cash back is received in the form of Reward Dollars that can be redeemed for a statement credit or at Amazon.com checkout.
- $0 intro annual fee for the first year, then $95.
- Enjoy 0% intro APR on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.49%-28.49%.
- Plan It®: Buy now, pay later with Plan It. Split purchases of $100 or more into equal monthly installments with a fixed fee so you don’t have the pressure of paying all at once. Simply select the purchase in your online account or the American Express® App to see your plan options. Plus, you’ll still earn rewards on purchases the way you usually do.
- Earn 6% cash back at U.S. supermarkets on up to $6,000 per year in eligible purchases (then 1%), 6% cash back on select U.S. streaming subscriptions, 3% cash back at eligible U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more) purchases and 1% cash back on other purchases. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
- Get up to a $10 monthly statement credit after using your enrolled Blue Cash Preferred® Card for a subscription purchase, including a bundle subscription purchase, at DisneyPlus.com, Hulu.com, or Stream.ESPN.com U.S. websites. Subject to auto-renewal.
- Terms Apply.
- Rates & Fees
See Additional Details for Blue Cash Preferred® Card from American Express
Our pick for doubling your cash back
68,965 users have viewed this card in the last 30 days.
-
Annual Fee$0
-
Welcome Offer$200 cash back
-
Rewards Rate2% - 5% cash back
-
Credit Needed
Bottom Line
The Citi Double Cash® Card is great for those wanting to earn cash back on all purchases without having to worry about rotating categories and for those who carry a balance.
Our Take
The Good
To start, 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. Plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel. This card is also great for those wanting to pay no interest on balance transfers for 18 months.
The Not So Good
While the lengthy 0% intro APR period for balance transfers is appealing, there’s no intro APR period for purchases, which many other cards in this category offer.
Highlights
- Click APPLY NOW to apply online.
- Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
- 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. Plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.
- Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 17.49% - 27.49%, based on your creditworthiness.
- Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
- If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
- There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
- Rates & Fees
See Additional Details for Citi Double Cash® Card
*General Disclaimer: See the online credit card application for details about terms and conditions. We make every effort to maintain accurate information. However, all credit card information is presented without warranty. To confirm terms and conditions, click the "Apply Now" button and review info on the secure credit card terms page.
Best Credit Card for Excellent Credit Holders
Those who have exceptionally good credit may want to apply for the best credit cards that especially cater to people with above average credit scores and stellar credit histories. Credit card companies will usually offer special perks, features, interest rates, and other preferential service to those who qualify for top credit cards.
By federal law you are allowed to access your credit reporting files free of charge once a year. For a small fee you can see them more than once per year and can also gain access to your FICO score – which is commonly referred to as your credit score. Credit scores for excellent credit range from 700 to 850 and are determined by using a proprietary algorithm which factors in several components of credit worthiness. If your score is above 700 that’s quite good and for most issuers is considered excellent.
To maintain your high rating follow the tips on how to preserve your credit. If you need help to improve your credit score to qualify for an excellent credit credit card, then take advantage of the many free, user-friendly financial management resources, articles, and tools that we offer. Once you have earned excellent credit you have a wide range of reward card options as well as promotional 0 percent introductory APRs which come with very attractive ongoing interest rates – typically around 12%.
Methodology
Our editors take a comprehensive, data-driven approach to identify the best credit cards in various categories. We use an objective rating and ranking system that evaluates over 100 credit cards from more than 50 issuers. While this site receives compensation from companies listed here, this does not influence our ratings or reviews. Learn more here.
