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Wells Fargo Platinum card

 

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3.8/5.0 from 1,515 Offer Ratings
Over the Past 60 Days!

(1,515) Over the Past 60 Days!
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  • Introductory APR 0% for 18 months on purchases and qualifying balance transfers
  • Low Fees $0
  • Ongoing APR 15.49%-24.99% (Variable)
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Visa®

Highlights

  • Pay down balances instead of interest with Wells Fargo's longest intro APR
  • $0 Annual Fee
  • 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 Platinum card
  • Easy access to your FICO® Credit Score with Wells Fargo Online®
  • Zero Liability protection for promptly reported unauthorized transactions
  • Convenient tools to help create a budget and manage your spending with My Money Map
  • Select "Apply Now" to learn more about the product features, terms and conditions
  • See Rates & Fees

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American Express Cash Magnet® Card – $150 Welcome Offer

 

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3.8/5.0 from 784 Offer Ratings
Over the Past 60 Days!

(784) Over the Past 60 Days!
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Rates & Fees

Terms Apply

  • Welcome Bonus Earn up to $150 back
  • Rewards Rate Unlimited 1.5% Cash Back on your purchases
  • Cash Back Details Reward Dollars can be easily redeemed for statement credits, gift cards, and merchandise
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand American Express

Highlights

  • Click "APPLY NOW" to apply online
  • Earn a $150 statement credit after you spend $1,000 or more in purchases with your new Card within the first 3 months of Card Membership. Unlimited 1.5% Cash Back on your purchases.
  • Cash Back is received in the form of Reward Dollars that can be redeemed for statement credits.
  • Low intro APR: 0% for 15 months on purchases and balance transfers from the date of account opening, then a variable rate, currently 12.99% to 23.99%.
  • 0% introductory plan fee on each purchase moved into a plan during the first 15 months from the date of account opening with Plan It®, a feature that lets you split up big purchases into monthly payments with a fixed fee. After that, your plan fee will be up to 1.17% of each purchase moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase.
  • Don’t wait for your Card in the mail. Start earning cash back before your Card even arrives, if eligible for Instant Card Number.
  • No Annual Fee.
  • Terms Apply.
  • See Rates & Fees

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Blue Cash Everyday® Card from American Express

 

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3.9/5.0 from 255 Offer Ratings
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(255) Over the Past 60 Days!
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Terms Apply

  • Welcome Offer $150 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.
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand American Express

Highlights

  • Click "APPLY NOW" to apply online
  • Earn a $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 from the date of account opening, then a variable rate, currently 12.99% to 23.99%.
  • Don't wait for your Card in the mail. Start earning cash back before your card even arrives, if eligible for Instant Card Number.
  • Cash back is received in the form of Reward Dollars that can be redeemed for statement credits.
  • No annual fee.
  • Terms Apply.
  • See Rates & Fees

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Discover it® Cash Back

 

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3.7/5.0 from 312 Offer Ratings
Over the Past 60 Days!

(312) Over the Past 60 Days!
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  • Cashback Match™ Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically*
  • Rewards Earn 5% cash back on everyday purchases at different places each quarter like grocery stores, restaurants, gas stations, select rideshares and online shopping, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically. *
  • Redeem Any amount, any time. Cash back rewards never expire*
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Discover

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 on everyday purchases at different places each quarter like grocery stores, restaurants, gas stations, select rideshares and online shopping, up to the quarterly maximum when 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

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Discover it® chrome

 

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3.7/5.0 from 72 Offer Ratings
Over the Past 60 Days!

(72) Over the Past 60 Days!
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  • Intro APR 0% for 14 Months on purchases and balance transfers*
  • Rewards Rate Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Ongoing APR 11.99% - 22.99% Variable*
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Discover

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 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. based customer service.
  • 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.
  • No annual fee.
  • See Rates & Fees

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Chase Sapphire Preferred® Card

 

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3.9/5.0 from 224 Offer Ratings
Over the Past 60 Days!

(224) Over the Past 60 Days!
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  • Bonus Rewards 60,000 bonus points
  • Rewards Rate 2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases worldwide
  • Bonus Perks 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
  • Annual Fee $95
  • Credit Needed Excellent
  • Card Brand Visa®

Highlights

  • Click "APPLY NOW" to apply online
  • 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
  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on orders over $12 for a minimum of one year on qualifying food purchases with DashPass, DoorDash's subscription service. Activate by 12/31/21.
  • Earn 5X points on Lyft rides through March 2022. That's 3X points in addition to the 2X points you already earn on travel.

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Wells Fargo Propel American Express® card

 

Rated 5/5 stars by our editorial team

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4.9/5.0 from 375 Offer Ratings
Over the Past 60 Days!

(375) Over the Past 60 Days!
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  • Rewards Rate Earn 3X points on eating out, ordering in and popular streaming services, 3X points on gas stations, rideshares and transit, and 3X points on travel including flights, hotels, homestays and car rentals. Earn 1X points on other purchases.
  • Introductory APR 0% for 12 months on purchases and qualifying balance transfers
  • Ongoing APR 13.99%-25.99% (Variable)
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand American Express

Highlights

  • Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value
  • $0 annual fee and no foreign currency conversion fee
  • Earn 3X points on eating out and ordering in
  • Earn 3X points on travel including flights, hotels, homestays and car rentals
  • Earn 3X points on gas stations, rideshares and transit
  • Earn 3X points on popular streaming services
  • Earn 1X points on other purchases
  • Select "Apply Now" to learn more about the product features, terms and conditions
  • See Rates & Fees

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Discover it® Miles

 

Rated 4.5/5 stars by our editorial team

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Your Rating:

3.9/5.0 from 518 Offer Ratings
Over the Past 60 Days!

(518) Over the Past 60 Days!
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  • Bonus Miles Discover will match all the Miles you've earned at the end of your first year.*
  • Rewards Rate 1.5 Miles per $1 Spent*
  • Redeeming is Easy Redeem your Miles as a statement credit towards travel purchases*
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Discover

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

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*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.

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Picture of Charlesa Hartshorne Harris

By: | Apr 16, 2017

Absolutely love love love our Discover It and American Express cards!

Picture of Duc Nguyen

By: | Apr 13, 2017

BOA , Amex rewards program very good , i loved

Picture of Donald Knettles

By: | Apr 12, 2017

I have had BOA cash rewards for years.Nothing better

1 Reply

By: Gingie Feldman | Apr 16, 2017

Discover for traveling overseas is very attractive. No % charges of any kind! Up to 5% Rewards, it adds up. With Cash Rewards + other great benefits you don't get from other banks - its a SUPERB Card!!!

Picture of Brenda Cristina Valbuena

By: | Apr 11, 2017

What's the best card for grocery shopping? With no annual fee? My score is 750+

3 Replies

By: CompareCards | Apr 14, 2017

With a score of 750+, your credit is considered excellent and you should be able to get approved for most credit cards. One credit card that is a great choice for grocery shopping and has no annual fee is the Blue Cash EveryDay Card from American Express.

By: Mike Brancato | Apr 20, 2017

Amex blue prefered. 6% cash back. There is a $75 yearly fee but with 6% cash back its worth it

By: Andy Lindsey | May 3, 2017

American Express blue cash everyday card pays 3% at grocery stores, but not Walmart and maybe Target

Picture of Rodger Wiese

By: | Apr 9, 2017

Getting 2% cash back on everything using CITI card... Enough said.

1 Reply

By: Martin Owen | Apr 18, 2017

how about this new discover card that doubles all your kick back at the end of the year every 3 months they have a 5% componet it's like getting 10

Picture of David Leung

By: | Mar 23, 2017

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

Picture of Shelly Baldridge

By: | Mar 23, 2017

Is it good for your credit to close credit cards that you keep at a zero balance? I do not want to hurt my credit score.

3 Replies

By: CompareCards | Mar 24, 2017

If the cards you no long use do not change an annual fee, you should consider leaving them open depending on your situation. If you close a card that you have had open for many years, this may hurt your credit score by lowering the average age of your accounts. Closing any credit cards may also dock you a few points by decreasing the total amount of credit available and thus increasing your overall credit utilization rate.

By: Randall Jones | Apr 11, 2017

There are two factors in closing an unused account that can affect your credit. First, if it's a card you've had for a long time, it will affect length of credit history, which is a factor in credit score. The other is less credit available to you, so if you regularly use credit cards, your percentage of credit used will increase, and that is another credit score factor. So, the correct answer is, it depends on your situation.

By: Andy Lindsey | May 3, 2017

If all your cards have a zero balance it shouldn't affect it much and it should rebound quickly. By closing it you are lowering your available credit. If all your cards are carrying a zero balance it should not affect credit utilization.

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 Bella Paz

By: | Mar 20, 2017

What's the best card for several smaller purchases for dining, gas, etc, and no need for balance transfers? I'd like to get the best rewards card. CS is 800+

3 Replies

By: CompareCards | Mar 22, 2017

The Wells Fargo Propel American Express Card sound like it would be the perfect card for you as it offers 3x points at U.S. gas stations and 2x points at U.S. restaurants.

By: Linda F. Gramm | Apr 8, 2017

I've used many credit cards for the rewards offered and I've concluded that the CapitalOne Spark Business card is the best. 2% cash back on any and everything at all times. No annual fee, rewards never expire with no upper limit, can be used as credit on your bill, gift cards, payments on merchandise already purchased or a check sent in the mail. I pay the balance in full every month. Credit score 803. I love the app also, before the cashier can hand me my receipt, the notification of purchase and amount pops on your screen. You also get a notice saying to take a second look at a purchase when it look a little strange or out of the ordinary. Great for auto pay. If the auto pay is a constant amount and happens to change, you'll get a notice of the change. This the best credit card by far that I've had!

By: Martin Owen | Apr 18, 2017

citi 2% all the time is the easiest

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.

2 Replies

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!

By: Roberto Luna | Apr 4, 2017

Citibank Simplicity Card offers you 0% Intro APR for 21 months, it's probably the best deal for you

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These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

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%.

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" " 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.

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