Credit Cards for Excellent Credit

Credit cards within this credit category typically offer the lowest APRs, lowest fees, best rewards, and most competitive introductory offers. Not sure what your score is? Sign up for an account with CreditSoup to get your free credit score.

Capital One® Venture® Rewards Credit Card

Credit Recommended:
Excellent, Good
Apply Now
Capital One® Venture® Rewards Credit Card
Credit Recommended:
Excellent, Good
Balance Transfer Fee
$0
Annual Fee
$0 intro for first year; $95 after that
Foreign Trans Fee
None
Apply Now on Capital One® secure website.
Regular APR
14.49% - 24.49% (Variable)
Product Type
ConsumerCard
Credit Recommended
Excellent, Good

Highlights

  • 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 unlimited 2X miles per dollar on every purchase, every day
  • New! Earn 10 miles per dollar on hotels when you pay with your Venture card at hotels.com/venture; learn more at hotels.com/venture
  • Fly any airline, stay at any hotel, anytime
  • Travel when you want with no blackout dates
  • 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

Wells Fargo Cash Wise Visa® Card

Credit Recommended:
Excellent/Good
Apply Now
Wells Fargo Cash Wise Visa® Card
Credit Recommended:
Excellent/Good
Intro (Purchases)
0% for 12 months
Intro (Transfers)
0% for 12 months
Regular APR
14.49%-26.49% (Variable)
Apply Now on Wells Fargo secure website.
Annual Fee
$0
Credit Recommended
Excellent/Good
Intro Rate
0%

Highlights

  • Earn a $200 cash rewards bonus after spending $1,000 in the first 3 months
  • Earn unlimited 1.5% cash rewards on purchases
  • Enjoy 1.8% cash rewards on qualified mobile wallet purchases, like Apple Pay® or Android Pay™, during the first 12 months from account opening
  • No category restrictions or sign ups and cash rewards don't expire as long as your account remains open
  • 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 Cash Wise Visa® Card
  • 0% Intro APR for 12 months on purchases and balance transfers, then a 14.49%-26.49% variable APR; balance transfer fees apply
  • $0 Annual Fee
  • Select "Apply Now" to learn more about the product features, terms, and conditions

Chase Sapphire Preferred® Card

Credit Recommended:
Good/Excellent
Apply Now
Chase Sapphire Preferred® Card
Credit Recommended:
Good/Excellent
Intro (Purchases)
N/A
Intro (Transfers)
N/A
Annual Fee
$95
Apply Now on Chase secure website.
Regular APR
17.49% - 24.49% Variable
Credit Recommended
Good/Excellent
Intro Rewards Bonus
50,000 bonus points

Highlights

  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
  • Chase Sapphire Preferred® named a 'Best Travel Credit Card' by MONEY® Magazine, 2016-2017
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for travel through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel.
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards
See additional details for Chase Sapphire Preferred® Card

Wells Fargo Platinum Visa® Card

Credit Recommended:
Excellent/Good
Apply Now
Wells Fargo Platinum Visa® Card
Credit Recommended:
Excellent/Good
Intro (Purchases)
0% for 15 months
Intro (Transfers)
0% for 15 months
Regular APR
16.65%-26.49% (Variable)
Apply Now on Wells Fargo secure website.
Annual Fee
$0
Credit Recommended
Excellent/Good
Intro Rate
0%

Highlights

  • 0% Intro APR for 15 months on purchases and balance transfers, then a 16.65%-26.49% variable APR; balance transfer fees apply
  • 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 Visa® Card
  • Free 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
  • $0 Annual Fee
  • Select "Apply Now" to learn more about the product features, terms, and conditions

Capital One® Spark® Miles for Business

Credit Recommended:
Excellent, Good
Apply Now
Capital One® Spark® Miles for Business
Credit Recommended:
Excellent, Good
Annual Fee
$0 intro for first year; $95 after that
Foreign Trans Fee
None
Regular APR
18.49% (Variable)
Apply Now on Capital One® secure website.
Product Type
BusinessCard
Credit Recommended
Excellent, Good
Intro Rewards Bonus
50000 Miles once you spend $4,500 on purchases within 3 months from account opening

Highlights

  • Earn 2 miles per $1 on every purchase, every day
  • Plus, a one-time bonus of 50,000 miles once you spend $4,500 on purchases within 3 months from account opening
  • Miles won't expire for the life of the account, and there are no categories to limit where or what you buy
  • $0 intro annual fee for the first year; $95 after that
  • There's no limit to the amount of miles you can earn
  • Redeem miles for travel, cash back, gift cards and more
  • No foreign transaction fees and fly on any airline, anytime, with no blackout dates or seat restrictions
See additional details for Capital One® Spark® Miles for Business

Chase Freedom Unlimited®

Credit Recommended:
Good/Excellent
Apply Now
Chase Freedom Unlimited®
Credit Recommended:
Good/Excellent
Intro (Purchases)
0% Intro APR on Purchases 15 months
Intro (Transfers)
0% Intro APR on Balance Transfers 15 months
Annual Fee
$0
Apply Now on Chase secure website.
Regular APR
16.49% - 25.24% Variable
Credit Recommended
Good/Excellent
Intro Rewards Bonus
$150 Bonus

Highlights

  • Unlimited 1.5% cash back on every purchase - it's automatic
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.49-25.24%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open
  • Free credit score, updated weekly with Credit Journey℠
  • No annual fee
See additional details for Chase Freedom Unlimited®

Chase Slate®

Credit Recommended:
Good/Excellent
Apply Now
Chase Slate®
Credit Recommended:
Good/Excellent
Intro (Purchases)
0% Intro APR on Purchases 15 months
Intro (Transfers)
0% Intro APR on Balance Transfers 15 months
Regular APR
16.49% - 25.24% Variable
Apply Now on Chase secure website.
Annual Fee
$0
Credit Recommended
Good/Excellent

Highlights

  • $0 Intro balance transfer fee for the first 60 days your account is open. After that, the fee for future transactions is 5% of the amount transferred with a minimum of $5.
  • 0% Intro APR for 15 months on purchases and balance transfers. After that, 16.49% - 25.24% variable APR.
  • See monthly updates to your FICO® Score and the reasons behind your score for free
  • No Penalty APR Paying late won't raise your interest rate (APR). All other account pricing and terms apply
  • $0 Annual Fee
See additional details for Chase Slate®

Apply Now
GM BuyPower Business Card from Capital One® -Get The Card That Helps You Get The Car
Credit Recommended:
Excellent
Intro (Purchases)
0% intro on purchases for 12 months
Annual Fee
$0.00
Regular APR
14.74% Variable APR
Apply Now on Capital One® secure website.
Product Type
Business
Credit Recommended
Excellent

Highlights

  • 3% Earnings on purchases at gas stations, restaurants, and office supply stores; 1% Earnings on all other purchases; plus, 5% Earnings on purchases of GM parts, accessories and service at authorized GM dealers - all of which can be exclusively redeemed toward the purchase or lease of an eligible, new Chevrolet, Buick, GMC or Cadillac vehicle
  • No annual fee, no limit to how much you can earn and redeem, and your Earnings don't expire; plus, a 0% Intro APR on purchases for the first 12 months and a variable APR of 14.74% after that

Capital One® Spark® Cash for Business

Credit Recommended:
Excellent, Good
Apply Now
Capital One® Spark® Cash for Business
Credit Recommended:
Excellent, Good
Annual Fee
$0 intro for first year; $95 after that
Foreign Trans Fee
None
Regular APR
18.49% (Variable)
Apply Now on Capital One® secure website.
Product Type
BusinessCard
Credit Recommended
Excellent, Good
Intro Rewards Bonus
500 Cash Back once you spend $4,500 on purchases within 3 months from account opening

Highlights

  • Earning unlimited 2% cash back could mean thousands of dollars each year going back into your business
  • Plus, a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening
  • Use Spark Cash across all your business spend, with no categories to limit your purchasing
  • $0 intro annual fee for the first year; $95 after that
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
  • Get employee cards at no additional cost, and earn rewards from their business spend
See additional details for Capital One® Spark® Cash for Business

Capital One® Savor℠ Cash Rewards Credit Card

Credit Recommended:
Excellent, Good
Apply Now
Capital One® Savor℠ Cash Rewards Credit Card
Credit Recommended:
Excellent, Good
Annual Fee
$0
Balance Transfer Fee
3%
Foreign Trans Fee
None
Apply Now on Capital One® secure website.
Regular APR
15.99% - 24.74% (Variable)
Product Type
ConsumerCard
Credit Recommended
Excellent, Good

Highlights

  • Earn a one-time $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining, 2% on groceries and 1% on all other purchases
  • 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 9 months; 15.99%-24.74% variable APR after that
  • 0% intro APR on balance transfers for 9 months; 15.99%-24.74% variable APR after that; 3% fee on the amounts transferred within the first 9 months
  • No annual fee
  • No foreign transaction fees

Capital One® VentureOne® Rewards Credit Card

Credit Recommended:
Excellent, Good
Apply Now
Capital One® VentureOne® Rewards Credit Card
Credit Recommended:
Excellent, Good
Intro (Purchases)
0% for 12 months
Annual Fee
$0
Balance Transfer Fee
$0
Apply Now on Capital One® secure website.
Foreign Trans Fee
None
Regular APR
13.49% - 23.49% (Variable)
Credit Recommended
Excellent, Good

Highlights

  • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within 3 months from account opening, equal to $200 in travel
  • Earn unlimited 1.25 miles per dollar on every purchase, every day and pay no annual fee
  • New! Earn 10 miles per dollar on hotels when you pay with your VentureOne card at hotels.com/venture; learn more at hotels.com/venture
  • Fly any airline, stay at any hotel, anytime
  • Enjoy a low intro APR on purchases for 12 months; 13.49%-23.49% variable APR after that
  • Travel when you want with no blackout dates
  • No foreign transaction fees
  • Miles won't expire for the life of the account and there's no limit to how many you can earn

Capital One® Quicksilver® Cash Rewards Credit Card

Credit Recommended:
Excellent, Good
Apply Now
Capital One® Quicksilver® Cash Rewards Credit Card
Credit Recommended:
Excellent, Good
Intro (Purchases)
0% for 9 months
Intro (Transfers)
0% for 9 months
Annual Fee
$0
Apply Now on Capital One® secure website.
Foreign Trans Fee
None
Regular APR
14.49% - 24.49% (Variable)
Credit Recommended
Excellent, Good

Highlights

  • 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 9 months; 14.49%-24.49% variable APR after that
  • Balance transfers also have a 0% intro APR for 9 months; 14.49%-24.49% variable APR after that; a 3% fee applies to each balance transferred
  • Pay no annual fee or foreign transaction fees

More about Excellent Credit…

If you have an excellent credit rating between 720 and 850** and a comfortable income, you may be eligible for the perks from one of the many platinum or gold credit cards available – but you probably already know that. If you’re among the top credit managers, you might be receiving offers in your mailbox every day. Most likely, you didn’t get to be where you are by having a lot of free time, so you may not even bother to look at them.

If you routinely toss new card offers, however, you may be missing out on some excellent credit card benefits. Lenders are in fierce competition for prime consumers and offer some very attractive benefits and enticements with their platinum cards or gold cards. With these credit cards, a low interest rate and no annual fee is just the beginning.

Many platinum cards offer cash rebates, insurance, air miles, car rental discounts, cruise discounts and a multitude of other benefits. You ought to be reaping all the rewards to which your great credit rating entitles you. While it’s true that it would take a lot of time and effort to sort through all those offers you’re getting, there is a better alternative.

At CreditSoup, our experts make it their business to know the interest rates, card benefits, and rewards offered by the different issuers and could help you locate the excellent credit card you are looking for.

*See online credit card application for details on the terms and conditions.

**Credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any credit card product.


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CreditSoup is an independent, advertising-supported comparison service. The card offers that appear on this site are from companies from which CreditSoup receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). CreditSoup does not include all card companies or all card offers available in the marketplace. CreditSoup may use other proprietary factors to impact card offer listings on the website such as consumer selection or the likelihood of the applicant’s credit approval.