Top Credit Cards For Excellent Credit

The Wells Fargo Autograph^℠ Card is something we don’t often see – a fresh entry in the rewards space that offers both top-tier points multipliers on key categories and solid intro APR on purchases. Let’s start with those rewards. Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans. Plus earn 1X points on other purchases. That makes this card an ideal choice for maximizing your rewards whether you’re adventuring abroad or bingeing your new favorite show at home. And that’s not all—if you’re a new cardholder, you’ll earn 30,000 bonus points when you spend $1,500 in purchases in the first 3 months of card ownership, a $300 value.

This card also offers purchase peace of mind with 0% intro APR for 12 months from account opening on purchases, with 19.74%, 24.74%, or 29.74% variable APR after that. So long as you’re making your payments on time, you’ll get 0% APR on credit card balances held over from month-to-month, which can help you make sure you’re prepared for whatever life throws at you. One more important thing to note is that this card comes with no annual fee, which makes the Wells Fargo Autograph^℠ Card even more attractive for those looking for a low-interest card with some rewards punch.

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 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. If 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 in 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 19.74%, 24.74%, or 29.74% 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 from account opening on qualifying balance transfers, then 19.74%, 24.74%, or 29.74% 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.

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 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.

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 18.74% - 28.74% (Variable) APR based on creditworthiness. It's the same for balance transfers: 0% intro APR for 15 months on balance transfers, then 18.74% - 28.74% (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.

For those looking for a credit card with a low interest rate and lengthy promotional purchase and balance transfer period, the Citi^® Diamond Preferred^® Card could be a great choice for you. This card offers an incredibly long period of no interest charges for balance transfers - get an APR of 0% for 21 months on Balance Transfers, followed by 17.74% - 28.49% (Variable) APR after that intro period is up. And if you've got a big purchase coming up, you can enjoy an intro APR of 0% for 12 months on Purchases with 17.74% - 28.49% (Variable) APR after that, along with no annual fee. Not only is the regular APR highly competitive amongst other offers, but the Citi® Diamond Preferred® card also offers a multitude of cardholder perks.

Cardholders will also have free access to their FICO® Scores. Overall, the Citi^® Diamond Preferred^® Card is a great offer for anyone looking for a credit card that offers a long 0% intro APR and no annual fee.

The Discover it^® Balance Transfer credit card offers a blockbuster combination of 0% intro APR on purchases and balance transfers with the opportunity to earn Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically. And that rewards program only gets better when you consider this card's astonishing sign-up feature: 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.

While this card has an incredibly competitive suite of rewards, where the Discover it^® Balance Transfer credit card really sets itself apart from the competition comes in the form of the long periods of 0% intro APR on offer for both purchases and balance transfers. If you want to transfer debt from a high-interest credit card, you can enjoy an intro APR of 0% Intro APR for 18 months on balance transfers, 16.49% - 27.49% Variable APR after that. Even better, you can use all that extra interest-free time combined with the cash-back rewards you'll earn to pay down your debt even faster! Plus, enjoy added flexibility on purchases with an intro rate of 0% Intro APR for 6 months, followed by 16.49% - 27.49% Variable APR. This card really is the complete package, and with a $0 annual fee there's never been a better time to apply.

When it comes to cash-back credit cards the Discover it^® Cash Back is in a league of its own. Cardholders will earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically. And new cardholders can take advantage of 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.

Log into your Discover account each quarter to activate the 5% cash-back bonus and truly maximize your cash back earning potential. Finance purchases with intro APR 0% Intro APR for 15 months then, 16.49% - 27.49% 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 21 billing cycles for purchases then 15.49% - 25.49% 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 21 billing cycles for any balance transfers made in the first 60 days, then 15.49% - 25.49% Variable APR on balance transfers 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.

Capital One’s Venture cards have been titans in the travel credit card world for years, so we were incredibly excited to see a new entry hit the market in 2021 with the Capital One Venture X Rewards Credit Card. This card solidly sits in premium travel rewards territory, with a top-tier rewards program offering 2 Miles per dollar on every purchase, every day; 10 Miles on hotels and rental cars booked through Capital One Travel; 5 Miles on flights booked through Capital One Travel, plus an additional 10,000 bonus miles rewarded every year, starting at the first anniversary. Cardholders also get access to the Capital One and Priority Pass lounges worldwide, in addition to a $100 credit towards TSA PreCheck® or Global Entry. Even better, the rewards numbers could keep growing if you’re a new cardholder: with the Capital One Venture X Rewards Credit Card, you’ll earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel.

And while this card has no foreign transaction fees, all these amazing benefits come at a cost: a $395 annual fee. While that may seem high, don’t forget the ongoing benefits and 10X miles multipliers available on travel booked through Capital One – with frequent use, those rewards dollars could add up fast. All in all, this is a sterling new entry in the premium travel cards space – if you’re on the hunt for an amazing new travel card, don’t miss this one.

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 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com. Take advantage of the long intro APRs: 0% for 15 months on purchases then 18.24% - 28.24% (Variable) and intro APR 0% for 15 months on balance transfers then 18.24% - 28.24% (Variable). Our take? This is a great everyday rewards 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 APR for 15 months on both purchases and balance transfers, then 16.49% - 27.49% variable apr. With the Discover it^® chrome credit card you can ensure you're always ready to hit the road. 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. 1% unlimited 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.