Add cards to start comparing.

Compare Cards

Best Credit Cards for Excellent Credit

See offers from our partners below.

Wells Fargo Platinum card

 

Rated 4/5 stars by our editorial team

Click the stars to submit your rating.

Thanks for rating!

Your Rating:

3.8/5.0 from 1,516 Offer Ratings
Over the Past 60 Days!

(1,516) Over the Past 60 Days!
Apply Now

on Wells Fargo's secure site

Add to Compare
  • 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

See additional details for Wells Fargo Platinum card

More Info

Expand Details

Discover it® Cash Back

 

Rated 4.5/5 stars by our editorial team

Click the stars to submit your rating.

Thanks for rating!

Your Rating:

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

(312) Over the Past 60 Days!
Apply Now

on Discover's secure site

Add to Compare
  • 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

See additional details for Discover it® Cash Back

More Info

Expand Details

American Express Cash Magnet® Card – $150 Welcome Offer

 

Rated 4.5/5 stars by our editorial team

Click the stars to submit your rating.

Thanks for rating!

Your Rating:

3.8/5.0 from 785 Offer Ratings
Over the Past 60 Days!

(785) Over the Past 60 Days!
Apply Now

on American Express's secure site

Add to Compare
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

See additional details for American Express Cash Magnet® Card – $150 Welcome Offer

More Info

Expand Details

Blue Cash Everyday® Card from American Express

 

Rated 4/5 stars by our editorial team

Click the stars to submit your rating.

Thanks for rating!

Your Rating:

3.9/5.0 from 255 Offer Ratings
Over the Past 60 Days!

(255) Over the Past 60 Days!
Apply Now

on American Express's secure site

Add to Compare
Rates & Fees

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

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

More Info

Expand Details

Discover it® chrome

 

Rated 4/5 stars by our editorial team

Click the stars to submit your rating.

Thanks for rating!

Your Rating:

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

(72) Over the Past 60 Days!
Apply Now

on Discover's secure site

Add to Compare
  • 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

See additional details for Discover it® chrome

More Info

Expand Details

Chase Sapphire Preferred® Card

 

Rated 4/5 stars by our editorial team

Click the stars to submit your rating.

Thanks for rating!

Your Rating:

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

(224) Over the Past 60 Days!
Apply Now

on Chase's secure site

Add to Compare
  • 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.

See additional details for Chase Sapphire Preferred® Card

More Info

Expand Details

Wells Fargo Propel American Express® card

 

Rated 5/5 stars by our editorial team

Click the stars to submit your rating.

Thanks for rating!

Your Rating:

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

(375) Over the Past 60 Days!
Apply Now

on Wells Fargo's secure site

Add to Compare
  • 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

See additional details for Wells Fargo Propel American Express® card

More Info

Expand Details

Discover it® Miles

 

Rated 4.5/5 stars by our editorial team

Click the stars to submit your rating.

Thanks for rating!

Your Rating:

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

(518) Over the Past 60 Days!
Apply Now

on Discover's secure site

Add to Compare
  • 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

See additional details for Discover it® Miles

More Info

Expand Details

*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.

Share your experiences, tips and tricks with us!

Let others learn from your experience. Ask questions. Share your thoughts and opinions about credit cards.

There is nothing we value more than the opinions of our customers. We encourage open discussions among all users and hope we can all share advice. Please keep our site clean and safe by following our posting guidelines and please, don't disclose personal information like your credit card numbers or account information.

Community Conversation

Thank you. Your comment has been submitted and is pending editorial review.
card loader

Sort by:

Picture of Butch Ballot

By: | Jan 3, 2018

I have many credit cards. Since the day plastic money came about, I pay my balance in full every month. I never have paid any interest. That's my American way. Banks don't like that, but I love it!

3 Replies

By: Kong Sorsinxay | Feb 13, 2018

I have many credit cards too, and I use them on a regularly and pay all my bills in full.

By: Ken Davis | Feb 26, 2018

I don't even carry cash anymore...

By: Caldwell Alana | Mar 3, 2018

You are so Right about the banks and I totally agree with you about paying off the balances each and every month.

Picture of Patricia Thomas

By: | Jan 3, 2018

I have the AMEX card. I have received over $800 in credits so far. I love it!

1 Reply

By: Teri G. Radillo | Feb 10, 2018

What particular Amer Xpress card are you referring to, thx

Picture of Sally Seeger

By: | Dec 24, 2017

I have the Discover It card and I can't believe the cash back credits that I receive! A week ago I had a $40 credit to my Amazon purchase. This happens a lot. This is the greatest credit card I have ever had! If you can get it, do so. Especially if you like to use Amazon.

Picture of Robin Smith-ricks

By: | Dec 10, 2017

I have Chase Freedom which I love and use primarily, like others said the 1.5% back on everything is really easy and straight forward. I also have Chase Amazon that give me 3% back on purchases with them and 1% everywhere else. I used Chase Slate to pay off some old debt with the 0% interest offer. I had Capital one quicksilver which also offered 1.5% back on all purchases. My go to is my Chase Freedom,

1 Reply

By: Charles Cooley | Dec 22, 2017

Robin you are so right. Chase has the best cards ever.

Picture of Stacy Green-Wright

By: | Dec 7, 2017

I have Capital One Venture, BofA Cashback, Citibank Double CashCard, American Express Blue Card Rewards, Discover IT CashBack, PenFed Cash Rewards, And 3 Navy Federal Credit Union Credit Cards all with great limits. I use Capital One Venture the most for the points since it 2 miles per dollar. Even though it's a 95.00 annual fee after the first year, I'ts still my favorite to use to rack up travel points. All of my cards are great.

Picture of R Kenneth ONeal

By: | Nov 19, 2017

I have the Chase Sapphire Preferred, Freedom Unlimited, and Chase Slate, along with the Discover It, and Capitol One Quicksilver, and some local bank cards. For me, the Freedom Unlimited is the best non premium card there is, as theres no annual fee and its 1.5% cashback on any and everything. I don't like having to think about categories and when discounts are at their peak. With the Freedom Unl, I just swipe it and don't worry about that. My CSP is for dining and traveling. I use it at every place I eat. The 2x points are great, and those are my two go to cards for everything. Freedom and CSP. One day, Ill get the Reserve.

Picture of Barbara Pittman Beane

By: | Nov 17, 2017

Blue Cash Everyday from American Express provides a competitive 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. I love the card. My Score runs 788 to 800 thank you AMEX.

Picture of Tara Angelique Vickers

By: | Oct 17, 2017

This is amazing, Thank you for the advice on the cards and about the cards! (:

Picture of Tom Sullivan

By: | Oct 12, 2017

We have the Venture card and it works just like they say for hotels rentals etc. We put everything on it including business expenses. We currently have over 1,000.000 miles.

Picture of Donald G Powell

By: | Oct 9, 2017

Capital One Quicksilver offers 1.5% back on purchases of ANYTHING! I use it to pay bills, buy groceries, at restaurants, ad infinitum. Great card... I use it almost exclusively.

1 Reply

By: Wayne Goss | Oct 12, 2017

If you pay the balance monthly as I do, the Citi Double Cash card pays you back 2% of every purchase. No annual fee. It's the best thing since ice cream! I DO use it exclusively.

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%.

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

  • Norton Secured
Back to top ↑