Rated 4.5/5.0 stars by our editorial team
Click the stars to submit your rating.
Rating already submitted!
Thanks for rating!
4.5/5.0 from 0 Offer Ratings
Over the Past 60 Days!
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
- 0% Intro APR 0% Intro APR for 15 months on purchases and balance transfers, then 17.49% - 26.49% Variable APR
- Rewards Rate 5% cash back at different places each quarter up to the quarterly maximum when you activate. 1% unlimited cash back on all other purchases - automatically
- Welcome 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.
- Annual Fee $0
- Credit Needed Good / Excellent
- Card Brand Discover
- 0% Intro APR 0% Intro APR for 15 months on purchases and balance transfers, then 17.49% - 26.49% Variable APR
- Rewards Rate 5% cash back at different places each quarter up to the quarterly maximum when you activate. 1% unlimited cash back on all other purchases - automatically
- Welcome 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.
- Annual Fee $0
- Credit Needed Good / Excellent
- Card Brand Discover
Highlights
- 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
See additional details for Discover it® Cash Back
Our pick for best streaming rewards
- Welcome Offer Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.
- Rewards Rate Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans. Plus earn 1X points on other purchases.
- Intro Purchase APR 0% intro APR for 12 months from account opening on purchases, then 18.49%, 24.49%, or 28.49% Variable APR
- Annual Fee $0
- Credit Needed Good / Excellent
- Card Brand Visa®
- Welcome Offer Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.
- Rewards Rate Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans. Plus earn 1X points on other purchases.
- Intro Purchase APR 0% intro APR for 12 months from account opening on purchases, then 18.49%, 24.49%, or 28.49% Variable APR
- Annual Fee $0
- Credit Needed Good / Excellent
- Card Brand Visa®
Highlights
- Click APPLY NOW to apply online.
- Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
- Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.
- Earn unlimited 3X points on the things that really add up - like restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Plus, earn 1X points on other purchases.
- $0 annual fee.
- 0% intro APR for 12 months from account opening on purchases. 18.49%, 24.49%, or 28.49% variable APR thereafter.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
- Redeem your rewards points for travel, gift cards, or statement credits. Or shop at millions of online stores and redeem your rewards when you check out with PayPal.
- Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
- Rates & Fees
See additional details for Wells Fargo Autograph® Card
Our pick for most well-rounded travel card
- Sign-Up Bonus Earn up to $1,000 towards travel once you spend $4,000 on purchases within the first 3 months of account opening
- Rewards Rate 2 Miles per dollar on every purchase, every day; 5 Miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel
- APR 19.49% - 28.49% (Variable) for purchases and balance transfers
- Annual Fee $95
- Credit Needed Good / Excellent
- Card Brand Mastercard®
- Sign-Up Bonus Earn up to $1,000 towards travel once you spend $4,000 on purchases within the first 3 months of account opening
- Rewards Rate 2 Miles per dollar on every purchase, every day; 5 Miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel
- APR 19.49% - 28.49% (Variable) for purchases and balance transfers
- Annual Fee $95
- Credit Needed Good / Excellent
- Card Brand Mastercard®
Highlights
- Click APPLY NOW to apply online.
- LIMITED-TIME OFFER: Enjoy $250 to use on Capital One Travel in your first cardholder year, plus earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening - that’s equal to $1,000 in travel
- Earn unlimited 2X miles on every purchase, every day
- Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel
- Miles won't expire for the life of the account and there's no limit to how many you can earn
- Receive up to a $120 credit for Global Entry or TSA PreCheck®
- Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
- Enjoy a $50 experience credit and other premium benefits with every hotel and vacation rental booked from the Lifestyle Collection
- Transfer your miles to your choice of 15+ travel loyalty programs
- Top rated mobile app
- For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
- Rates & Fees
See additional details for Capital One Venture Rewards Credit Card
- Intro BT APR 0% intro APR for 15 months on balance transfers, then 10.40% - 24.40% variable regular APR
- Eligibility Must be a USAA® member, or become a member, to apply.
- Rates & Fees $0 annual fee, no penalty APR & no foreign transaction fee
- Annual Fee $0
- Credit Needed Good / Excellent
- Card Brand Visa®
- Intro BT APR 0% intro APR for 15 months on balance transfers, then 10.40% - 24.40% variable regular APR
- Eligibility Must be a USAA® member, or become a member, to apply.
- Rates & Fees $0 annual fee, no penalty APR & no foreign transaction fee
- Annual Fee $0
- Credit Needed Good / Excellent
- Card Brand Visa®
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
- Welcome Offer Earn 60,000 bonus points when you spend $4,000 in purchases in the first 3 months – that’s $600 toward your next trip.
- Rewards Rate Earn unlimited 5X points with hotels, 4X points with airlines, 3X points on restaurants and other travel, and 1X points on other purchases.
- Travel Perks Earn a $50 annual statement credit with $50 minimum airline purchase.
- Annual Fee $95
- Credit Needed Good / Excellent
- Card Brand Visa®
- Welcome Offer Earn 60,000 bonus points when you spend $4,000 in purchases in the first 3 months – that’s $600 toward your next trip.
- Rewards Rate Earn unlimited 5X points with hotels, 4X points with airlines, 3X points on restaurants and other travel, and 1X points on other purchases.
- Travel Perks Earn a $50 annual statement credit with $50 minimum airline purchase.
- Annual Fee $95
- Credit Needed Good / Excellent
- Card Brand Visa®
Highlights
- Click APPLY NOW to apply online.
- Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
- Earn 60,000 bonus points when you spend $4,000 in purchases in the first 3 months – that’s $600 toward your next trip.
- Earn unlimited 5X points with hotels, 4X points with airlines, 3X points on restaurants and other travel, and 1X points on other purchases.
- $95 annual fee.
- Book your travel with the Autograph Journey Card and enjoy Travel Accident Insurance, Lost Baggage Reimbursement, Trip Cancellation and Interruption Protection and Auto Rental Collision Damage Waiver.
- Earn a $50 annual statement credit with $50 minimum airline purchase.
- Up to $1,000 of cell phone protection against damage or theft. Subject to a $25 deductible.
- Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
- Rates & Fees
See additional details for Wells Fargo Autograph Journey℠ Card
- Rewards Rate 1.5% cash back on purchases
- Eligibility Must be a USAA® member, or become a member, to apply.
- Welcome Offer Limited Time Offer: Cash back match - earn 3% in your first year on the first $15,000 in purchases. After that, earn unlimited 1.5% cash back on purchases, no category restrictions and no caps.
- Annual Fee $0
- Credit Needed Good / Excellent
- Card Brand Visa®
- Rewards Rate 1.5% cash back on purchases
- Eligibility Must be a USAA® member, or become a member, to apply.
- Welcome Offer Limited Time Offer: Cash back match - earn 3% in your first year on the first $15,000 in purchases. After that, earn unlimited 1.5% cash back on purchases, no category restrictions and no caps.
- Annual Fee $0
- Credit Needed Good / Excellent
- Card Brand Visa®
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.
- Limited Time Offer: Cash back match - earn 3% in your first year on the first $15,000 in purchases. After that, earn unlimited 1.5% cash back on purchases, no category restrictions and no caps.
- Auto Deductible Reimbursement (ADR) up to $200.
- 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 and the ADR Benefit Guide 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 doubling your cash back
68,965 users have viewed this card in the last 30 days.
- Rewards Rate 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.
- Intro Balance Transfer APR 0% intro APR for 18 months on Balance Transfers
- Regular Purchase & BT APR 17.49% - 27.49% (Variable)
- Annual Fee $0
- Credit Needed Good / Excellent
- Card Brand Mastercard®
- Rewards Rate 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.
- Intro Balance Transfer APR 0% intro APR for 18 months on Balance Transfers
- Regular Purchase & BT APR 17.49% - 27.49% (Variable)
- Annual Fee $0
- Credit Needed Good / Excellent
- Card Brand Mastercard®
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
Our pick for aspiring home chefs
- Buy Now, Pay Later Offer 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.
- Rewards Rate 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.
- Intro APR 0% on purchases for 12 months from the date of account opening, then 19.49%-28.49% Variable
- Annual Fee $0 intro annual fee for the first year, then $95.
- Credit Needed Good / Excellent
- Card Brand American Express
- Buy Now, Pay Later Offer 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.
- Rewards Rate 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.
- Intro APR 0% on purchases for 12 months from the date of account opening, then 19.49%-28.49% Variable
- Annual Fee $0 intro annual fee for the first year, then $95.
- Credit Needed Good / Excellent
- Card Brand American Express
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 frequent online shoppers
- Streaming Benefits 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.
- Welcome Offer You may be eligible for as high as $200 cash back after spending $2,000 in purchases on your new Card in the first 6 months. Welcome offers vary and you may not be eligible for an offer. Cash back is received as Reward Dollars, redeemable for statement credit or at Amazon.com checkout. Terms Apply.
- Rewards Rate 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.
- Annual Fee $0
- Credit Needed Good / Excellent
- Card Brand American Express
- Streaming Benefits 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.
- Welcome Offer You may be eligible for as high as $200 cash back after spending $2,000 in purchases on your new Card in the first 6 months. Welcome offers vary and you may not be eligible for an offer. Cash back is received as Reward Dollars, redeemable for statement credit or at Amazon.com checkout. Terms Apply.
- Rewards Rate 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.
- Annual Fee $0
- Credit Needed Good / Excellent
- Card Brand American Express
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
*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.
