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Wells Fargo Platinum card

 

Rated 4/5 stars by our editorial team

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3.8/5.0 from 1,514 Offer Ratings
Over the Past 60 Days!

(1,514) 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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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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American Express Cash Magnet® Card – $150 Welcome Offer

 

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3.8/5.0 from 783 Offer Ratings
Over the Past 60 Days!

(783) Over the Past 60 Days!
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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
Over the Past 60 Days!

(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® chrome

 

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Your Rating:

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

(72) Over the Past 60 Days!
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on Discover's secure site

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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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on Discover's secure site

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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 Lee Elizabeth Frisco

By: | Jan 6, 2017

The Chase Sapphire card offers 50,000 points for the primary card holder and another 5,000 points for a second card if you spend $4,000 within the first three months. These points can be converted into cash of $550.00 or if used for travel add another 25%.

Picture of Tony Fischetta

By: | Jan 4, 2017

What is the best card for dining out?

3 Replies

By: CompareCards | Jan 4, 2017

One card that offers bonus points on dining out is the Chase Sapphire Preferred. It earns 2x points on all travel and dining purchases! Another good option is the Wells Fargo Propel American Express Card which offers 2x points at U.S. restaurants as well as 3x points at U.S. gas stations and 1x points on all other purchases.

By: Frank Lau | Jan 9, 2017

BofA reward has no reward category for dining out. Citibank Costco Anywhere card has 3%

By: Beth Fiebig | Jan 15, 2017

I have Discover card and there is a 5% cash back for restaurants category you can select for a time period then they change to another category every so often.

Picture of Gracie Smith

By: | Jan 2, 2017

B of A Rewards card is terrific.

2 Replies

By: Doug Stafford | Jan 9, 2017

Yes it is. We do virtually all of our spending with it - about 9 - 10 grand a month - and pay it off each month. We've gotten hundreds of dollars in cash back over the past year. Maybe a thousand, I'm not sure. But close.

By: Mickey Cashen | Feb 9, 2017

Doug Stafford - I have the B of A Rewards card and used to use it for gasoline, but since I got the Costco Visa, which does 4% vs BofA's 3%, I haven't used it in a while. Note that Discover Card and Chase Freedom Visa both do 5% rotating categories every 3 months. Note that Citi Double Cash Mastercard does 2% on everything, If I was charging $9K to $10K/month and, assuming gasoline is a small fraction, I'd be getting back about $100 more per month (an additional 1%) with my cards instead of BofA Rewards Card.

Picture of Timothy Helseth

By: | Jul 8, 2015

ya sure it sounds to good to be true

Page:

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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