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Do you have excellent credit? If so, it’s time to upgrade to a better rewards credit card.
The banks are fighting harder than ever to win customers with excellent credit. Take advantage of your excellent credit today by getting a card that earns you more rewards. Our credit card experts have selected the top 10 credit card deals you can take advantage of right now:
The Citi Custom Cash℠ Card is one of the most innovative cards on the market, offering a rewards program that tailors itself to your spending habits. It all starts with the incredible suite of cash back rewards. Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases. Unlike many cards that require you to go in and manually select a top cash back category, this card automatically determines the category where you’ve spent the most and applies the highest rate of cash back return, ensuring you’ll always be maximizing your earning potential. And it only gets better for new customers. Earn $200 in cash back after you spend $750 on purchases in the first 3 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
The Citi Custom Cash℠ Card also makes for a great everyday card if you have a large purchase on the horizon or are looking to transfer high interest credit card debt. You’ll get 0% intro APR for 15 months on purchases, then 13.99% – 23.99% (Variable) APR based on creditworthiness. It's the same for balance transfers: 0% intro APR for 15 months on balance transfers, then 13.99% – 23.99% (Variable) APR after that intro period is up. And as if it couldn’t get any better, this card also sports a $0 annual fee.
When it comes to cash-back credit cards the Discover it® Cash Back is in a league of its own. 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate, 1% unlimited cash back on all other purchases - automatically Enjoy Unlimited Cashback Match – only from Discover. 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. That means, if you earn $300 in cash back in your first year, Discover will match it, making your total cash back for the year $600!
Log into your Discover account each quarter to activate the 5% cash-back bonus. The popular spending categories include gas stations, wholesale clubs, grocery stores, restaurants and Amazon.com. With your first-year sign-up bonus, take home an incredible 10% cash back on category spending. Finance purchases with intro APR 0% for 14 months then, 11.99% - 22.99% Variable APR after that. Get all this for $0 annual fee.
If you're looking for a break on interest, check out this top-tier $0 annual fee card. Finance a new purchase with generous 0% Intro APR for 18 billing cycles for purchases then 12.99% - 22.99% Variable APR after that intro period is up - that means no monthly interest charges will pile up for almost two years if you end up carrying a balance month-to-month. Plus, this card also helps you stop paying high interest charges on an outstanding balance with 0% Intro APR for 18 billing cycles for any balance transfers made in the first 60 days, then 12.99% - 22.99% Variable APR after that. It's hard to overstate just how powerful the combination of these two benefits is - the lengthy periods of 0% interest on both purchases and balance transfers mean that this card helps you regain control over your financial life and puts time on your side to pay down debt faster. And unlike some other cards, there is no penalty APR, so a late payment won’t automatically raise your interest rate. This card might not have a huge suite of flashy rewards, but if you're looking to save money on interest charges the BankAmericard® credit card is hard to beat.
It’s not often we see something that completely changes the game when it comes to credit card rewards, but that’s exactly what’s happening with the brand-new Wells Fargo Active Cash℠ Card. How is this card re-shaping the rewards landscape? It all starts with its headline feature: cardholders earn unlimited 2% cash rewards on purchases with no restrictions on categories and no expiration date on rewards. Let that sink in – no other card on the market today offers such a high rate of truly unlimited cash back. Of you’re looking for a no-maintenance card that can help you maximize your returns on every purchase you make, this is absolutely it. And it gets even better if you’re a new cardholder: you can earn a $200 cash rewards bonus after spending $1,000 on purchases in the first 3 months from account open.
But this no-annual fee card isn’t just good for rewards – it’s also an excellent way to mitigate the cost of a large expense or get out of debt. The Wells Fargo Active Cash℠ Card offers over a year of 0% intro APR on purchases: 0% intro APR for 15 months from account opening on purchases, then 14.99%-24.99% (Variable) APR after that intro period is up. And if you’re transferring a balance from a high-interest credit card, you can get the same period of 0% intro APR: 0% intro APR for 15 months on qualifying balance transfers, then 14.99%-24.99% (Variable) APR after that. This gives you incredible flexibility in covering life’s unexpected (and often expensive) developments, and with this card’s already industry-leading rewards program you can feel confident always having this card in your wallet.
Earn more points on every purchase (even the little ones). The Citi Rewards+® Card is the only card that automatically rounds up every purchase to the nearest 10 points. That means when you buy a $2 coffee, you’d earn 10 points back. You also get 10% points back for the first 100,000 ThankYou® Points redeemed per year. This attractive new rewards card from Citi includes long zero intro interest periods on both purchases and balance transfers and a nice sign-up bonus, all with $0 annual fee.
Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases. There is a low spending requirement to earn the sign-up bonus. Get Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com. Take advantage of the long intro APRs: 0% for 15 months on purchases then 13.49% - 23.49% (Variable) and intro APR 0% for 15 months on balance transfers then 13.49% - 23.49% (Variable). Our take? This is a great everyday rewards card.
This five-star travel rewards card is easy to use and comes with one of the best sign up bonuses available. Start planning your next vacation now with help from this travel card's sign-up bonus: Our best offer ever! Earn 100,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,250 when you redeem through Chase Ultimate Rewards®. Earn 2X points on dining at restaurants including eligible delivery services, takeout and dining out and travel & 1 point per dollar spent on all other purchases worldwide.
Cash in points on hotels, airfare, and even car rentals or cruises with this flexible travel card. No blackout dates. Your points are worth 25% more when you book airfare, hotels or car rentals through the easy to use Chase Ultimate Rewards® travel portal. There are no foreign transaction fees. The annual fee is $95. You could easily earn more than that with the high rewards rate on this card.
If you like 0% intro APR on purchases and balance transfers for over a year, no annual fee, no foreign transaction fees, no overlimit fee, and a free pass the first time you miss a payment, the Discover it® chrome credit card comes with everything you want! Cardholders get an intro APR of 0% intro for 14 months on both purchases and balance transfers, then 11.99% - 22.99% variable. With the Discover it® chrome credit card you can earn cash back on your next road trip with 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.
Rewards can be redeemed at any time and never expire. As an exclusive offer, Discover will automatically match all the cash back you've earned at the end of your first year of cardmembership. In addition to the host of cash back opportunities, this credit card also offers a free Credit Scorecard with FICO® Credit Score.
Each month, the CompareCards team reviews over 100 credit card offers examining the features most valuable to consumers including rewards, sign-up bonus, the interest rate, fees and other features to identify the best offers shown here.