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Best Credit Cards for Excellent Credit

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Capital One® Quicksilver® Cash Rewards Credit Card

 

Rated 4.5/5 stars by our editorial team

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3.7/5.0 from 5,536 Offer Ratings
Over the Past 60 Days!

(5,536) Over the Past 60 Days!
  • Rewards Rate Unlimited 1.5% Cash Back on every purchase, every day
  • Intro APR 0% for 15 Months on Purchases and Balance Transfers
  • Cash Back Details No minimums for redeeming and cash back won't expire for the life of the account
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Visa®

Highlights

  • Click "APPLY NOW" to apply online
  • One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 15 months; 16.24%-26.24% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 16.24%-26.24% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • Pay no annual fee or foreign transaction fees

See additional details for Capital One® Quicksilver® Cash Rewards Credit Card

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Capital One® Venture® Rewards Credit Card

 

Rated 4.5/5 stars by our editorial team

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3.7/5.0 from 812 Offer Ratings
Over the Past 60 Days!

(812) Over the Past 60 Days!
  • Bonus Miles One-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel
  • Rewards Rate 2 Miles per dollar on every purchase, every day
  • Hotel Bonus Rewards Earn unlimited 10x miles on hotels when you pay with your Venture card at hotels.com/venture
  • Annual Fee $0 intro for first year; $95 after that
  • Credit Needed Excellent/Good
  • Card Brand Visa®

Highlights

  • Click "APPLY NOW" to apply online
  • Enjoy a one-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel
  • Earn 2X miles on every purchase, every day. Plus earn 10X miles on thousands of hotels, through January 2020; learn more at hotels.com/venture
  • Named 'The Best Travel Card' by CNBC, 2018
  • Receive up to $100 application fee credit for Global Entry or TSA Pre✓®
  • Fly any airline, stay at any hotel, anytime; no blackout dates. Plus transfer your miles to over 12 leading travel loyalty programs
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • No foreign transaction fees
  • $0 intro annual fee for the first year; $95 after that

See additional details for Capital One® Venture® Rewards Credit Card

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Citi Simplicity® Card - No Late Fees Ever

 

Rated 4.5/5 stars by our editorial team

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3.8/5.0 from 698 Offer Ratings
Over the Past 60 Days!

(698) Over the Past 60 Days!
  • Intro Purchase APR 0%* for 12 months on Purchases*
  • Intro BT APR 0%* for 21 months on Balance Transfers*
  • Regular Purchase APR 16.74% - 26.74%* (Variable)
  • Annual Fee $0*
  • Credit Needed Excellent/Good
  • Card Brand Mastercard®

Highlights

  • Click "APPLY NOW" to apply online or call 877-886-4537 TTY: Use Relay Service
  • No Late Fees, No Penalty Rate, and No Annual Fee... Ever
  • 0% Intro APR on balance transfers for 21 months from date of first transfer. All transfers must be completed in first 4 months. After that, the variable APR will be 16.74% - 26.74%, based on your creditworthiness
  • 0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 16.74% - 26.74%, based on your creditworthiness
  • If you transfer a balance with this offer, after your 0% Intro purchase APR expires, both new purchases and unpaid purchase balances will automatically accrue interest until all balances, including your transferred balances, are paid in full
  • There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
  • The same great rate for all balances, after the introductory period
  • Save time when you call with fast, personal help, 24 hours a day – just say "representative"
  • Enjoy the convenience of setting up your own bill payment schedule on any available due date throughout the month

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Chase Sapphire Preferred® Card

 

Rated 4/5 stars by our editorial team

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3.9/5.0 from 199 Offer Ratings
Over the Past 60 Days!

(199) Over the Past 60 Days!
  • Bonus Rewards 60,000 bonus points
  • Rewards Rate 2X points on travel and dining
  • Bonus Perks 1:1 point transfer to leading airline and hotel loyalty programs
  • 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

See additional details for Chase Sapphire Preferred® Card

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Discover it® Cash Back

 

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3.7/5.0 from 290 Offer Ratings
Over the Past 60 Days!

(290) Over the Past 60 Days!
  • Cashback Match™ Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically*
  • EARN Earn 5% cash back at different places each quarter up to the quarterly maximum, when you activate*
  • 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 at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time 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® Balance Transfer

 

Rated 4.5/5 stars by our editorial team

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3.8/5.0 from 1,096 Offer Ratings
Over the Past 60 Days!

(1,096) Over the Past 60 Days!
  • Introductory APR 0% for 18 months on balance transfers & 0% for 6 months on purchases*
  • Rewards Rate Earn 5% cash back at different places each quarter up to the quarterly maximum, when you activate*
  • Ongoing APR 14.24% - 25.24% 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 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Redeem cash back any amount, any time. 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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Bank of America® Cash Rewards credit card - $200 Cash Rewards Offer

 

Rated 5/5 stars by our editorial team

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Your Rating:

4.3/5.0 from 810 Offer Ratings
Over the Past 60 Days!

(810) Over the Past 60 Days!
  • Intro Purchase APR 0% Introductory APR on purchases for 15 billing cycles
  • Intro BT APR 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days
  • Regular APR 16.24% - 26.24% Variable APR on purchases and balance transfers
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Mastercard®

Highlights

  • Click "APPLY NOW" to apply online or call 800-716-6383
  • No annual fee
  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
  • Earn 3% cash back on gas or your choice of one of five other popular categories, 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases
  • 0% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 16.24% - 26.24% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers
  • No expiration on rewards
  • If you're a Preferred Rewards member, you can earn 25% - 75% more cash back on every purchase

See additional details for Bank of America® Cash Rewards credit card - $200 Cash Rewards Offer

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BankAmericard® credit card

 

Rated 4.5/5 stars by our editorial team

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Your Rating:

3.7/5.0 from 1,545 Offer Ratings
Over the Past 60 Days!

(1,545) Over the Past 60 Days!
  • Intro Balance Transfer APR 0% Intro APR for 18 billing cycles for any balance transfers made in the first 60 days
  • Intro Purchase APR 0% Introductory APR on purchases for 18 billing cycles
  • Regular APR 15.24% - 25.24% Variable APR on purchases and balance transfers
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Mastercard®

Highlights

  • Click "APPLY NOW" to apply online or call 800-483-4499
  • 0% Introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 15.24% - 25.24% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers
  • No annual fee
  • No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply
  • Access your FICO® Score for free within Online Banking or your Mobile Banking app

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Capital One® VentureOne® Rewards Credit Card

 

Rated 4/5 stars by our editorial team

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Your Rating:

3.8/5.0 from 605 Offer Ratings
Over the Past 60 Days!

(605) Over the Past 60 Days!
  • Rewards Rate 1.25 Miles per dollar on every purchase, every day
  • Intro Purchase APR 0% intro on purchases for 12 months
  • Regular Purchase APR 14.24% - 24.24% (Variable)
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Visa®

Highlights

  • Click "APPLY NOW" to apply online
  • $0 annual fee and no foreign transaction fees
  • Earn a bonus of 20,000 miles once you spend $1,000 on purchases within 3 months from account opening, equal to $200 in travel
  • Earn 1.25X miles on every purchase, every day
  • Earn 10X miles on thousands of hotels, through January 2020; learn more at hotels.com/venture
  • Transfer your miles to over 12 leading travel loyalty programs
  • Enjoy 0% intro APR on purchases for 12 months; 14.24% - 24.24% variable APR after that
  • Travel when you want with no blackout dates and fly any airline, stay at any hotel, anytime
  • Miles won't expire for the life of the account and there's no limit to how many you can earn

See additional details for Capital One® VentureOne® Rewards Credit Card

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Bank of America® Travel Rewards credit card

 

Rated 5/5 stars by our editorial team

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Your Rating:

4.3/5.0 from 1,082 Offer Ratings
Over the Past 60 Days!

(1,082) Over the Past 60 Days!
  • Rewards Rate Earn unlimited 1.5 points per $1 spent on all purchases
  • Intro Purchase APR 0% Introductory APR on purchases for 12 billing cycles
  • Regular APR 17.24% - 25.24% Variable APR on purchases and balance transfers
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Visa®

Highlights

  • Click "APPLY NOW" to apply online or call 800-775-8735
  • Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire
  • 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases
  • Use your card to book your trip how and where you want – you’re not limited to specific websites with blackout dates or restrictions
  • Redeem points for a statement credit to pay for flights, hotels, vacation packages, cruises, rental cars, or baggage fees
  • Comes with chip technology for enhanced security and protection at chip-enabled terminals
  • 0% Introductory APR for 12 billing cycles for purchases. After the intro APR ends, 17.24% - 25.24% Variable APR will apply
  • If you’re a Preferred Rewards member, you can earn 25% - 75% more points on every purchase

See additional details for Bank of America® Travel Rewards credit card

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Picture of Nerissa Muega

By: | Jun 2, 2017

I have BOA and Citi card

Picture of Michael Bateson

By: | Jun 1, 2017

Capital One Quicksilver is the best card I've ever had. You sign up and you get a message on your IPhone face saying that your purchase at wherever you bought something is approved, gives you the price you paid, and is very reassuring that if you didn't make the purchase, you know right away, and can deal with it right away. Plus you can get an app for balances and credit score. Great card!

2 Replies

By: David O. Lewis | Jun 18, 2017

I agree, Quicksilver is a great card. Everything you mentioned plus credit scoring/monitoring. You can't beat it. I was at a Honda dealer leasing a car for my wife. The salesman said we are going to check your credit. Before he returned my phone beeped, telling me Honda Finance had just checked my credit. You just can't beat that.!!!

By: Marjorie Powell | Aug 8, 2017

I agree. I've had one for years and find it gives good cash back on purchases. The customer service is great also.

Picture of Chet Barnette

By: | Jun 1, 2017

I have had my Bank of America Visa card since 1968. I can walk in the day it is due and pay the card balance. I know it can be done online now but back then it was a big deal for me. Thank you Bank of America

Picture of Ron Perkins

By: | May 27, 2017

With my Discover IT card, I get 5% cashback on select categories each quarter and 1% on most all others. While many issuers require a minimum of $ 25.00 to redeem your cash back or give you a choice of a bill credit or a check for that 1-5%, so does Discover, but they also have a nice twist. If you go into their website and spend you cashback with their 'partners', you can turn that 5% into 10-20% by using it towards gift cards. For example, I get a $ 25.00 Bed Bath & Beyond card for $20 of my cash back. There are many more. That's one example of getting $ 100.00 for only $80.00. No other card matches that!

Picture of Evelyn Hart

By: | May 25, 2017

I received my Discover Card in 1992, when it was given out via Sears and I have used this card from Asia, to Europe and Africa. I love it

1 Reply

By: Janice Huffman Hokerson | Jun 14, 2017

have not tired them but thinking of it

Picture of Gerry A. Manzari

By: | May 23, 2017

For those that have excellent credit, Chase is going to be the best.

8 Replies

By: Jan Ginn | May 27, 2017

Chase is awesome!!!! I love the cash back feature!!!

By: Jennie Reyes | May 28, 2017

I totally agree. I've had them for several years.

By: Trina Lomax | May 31, 2017

Yes, you got that right!!!!

By: Pepa Kossewski | May 31, 2017

chase unlimited is the one i use everyday! fantastic

By: Sonja Rutledge | Jun 1, 2017

I have Chase, also and I do have good credit. .

By: Erlinda Jones | Jun 2, 2017

you're right, its the BEST

By: Mark Henderson | Jun 2, 2017

Agreed. Chase credit cards are awesome!

By: Pepa Kossewski | Jun 15, 2017

that's the only cc i own, i pay it in full, have a big great line of credit, but when i travel overseas i use the capital one due to it's free foreign fee and protection against any theft.

Picture of Debbie Nichols

By: | May 21, 2017

I have done really well with my discover and capital one Venture

Picture of Daniel Garnica Jr

By: | May 20, 2017

I have 3 of these. Great cards.

Picture of Thomas H Jenkins

By: | May 20, 2017

I use two cards, Costco Citi Card and Capital One Venture. The rebates from Costco more than offsets the cost of membership and gas is 4% back, 3% FOR DINING OUT. For most of my purchases I use my Capital One Venture, a flat 2% on everything. Rebates for 2016 were Costco Citi Card $562.00 and Capital One Venture $971.00. But always pay in full every month

Picture of Pat Warren Davis

By: | May 20, 2017

I also have three of them already and plan to increase soon. Why not?

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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%.

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.

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