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.

Intro (Purchases)
N/A
Intro (Transfers)
N/A
Regular APR
16.99% - 23.99% Variable
Annual Fee
$95
Credit Recommended
Good/Excellent

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®
  • Named Best Credit Card for Flexible Travel Redemption - Kiplinger's Personal Finance, July 2016
  • 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 airfare, hotels, car rentals and cruises 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

Intro (Purchases)
N/A
Intro (Transfers)
N/A
Regular APR
13.99% - 23.99% (Variable)
Annual Fee
$0 intro for first year; $59 after that
Credit Recommended
Excellent, Good

Highlights

  • Enjoy a one-time bonus of 40,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $400 in travel
  • Earn unlimited 2X miles per dollar on every purchase, every day
  • 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; $59 after that
  • Get a metal Venture Card when you apply today
See additional details for Capital One® Venture® Rewards Credit Card

Intro (Purchases)
0% 15 months
Intro (Transfers)
0% 15 months (on balance transfers made within 45 days of account opening)
Regular APR
15.99%, 20.99% or 25.99% Variable
Annual Fee
$0
Credit Recommended
Excellent

Highlights

  • Get a $200 cash rewards bonus after you spend $1,000 in purchases in the first 90 days after account opening
  • Earn unlimited 1.5% cash rewards on every purchase
  • Every time you redeem, get a 5% cash rewards redemption bonus to use toward your next redemption
  • Redeem your cash rewards for a deposit into a U.S. checking or savings account, a statement credit or gift cards. Redemptions start at $50
  • Cash rewards do not expire as long as your account is open, active and in good standing
  • Enjoy a 0% introductory APR for the first 15 months on purchases. Plus, you'll get a 0% introductory APR for 15 months on balance transfers for each balance transfer made within 45 days of account opening. After that a variable APR will apply, 15.99%, 20.99% or 25.99%, based on your creditworthiness. Please note, there is a fee for balance transfers
  • No annual fee

Intro (Purchases)
0% Intro APR on Purchases 15 months
Intro (Transfers)
0% Intro APR on Balance Transfers 15 months
Regular APR
15.99% - 24.74% Variable
Annual Fee
$0
Credit Recommended
Good/Excellent

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 15.99-24.74%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • Redeem for cash - any amount, anytime
  • Cash Back rewards do not expire as long as your account is open
  • No annual fee
See additional details for Chase Freedom Unlimited℠

Intro (Purchases)
0% intro on purchases for 12 months
Intro (Transfers)
n/a
Regular APR
14.24% Variable APR
Annual Fee
$0.00
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 14.24% after that

Intro (Purchases)
N/A
Intro (Transfers)
N/A
Regular APR
17.99% (Variable)
Annual Fee
$0 intro for first year; $59 after that
Credit Recommended
Excellent, Good

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; $59 after that
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount, anytime
  • Get employee cards at no additional cost, and earn rewards from their business spend
See additional details for Capital One® Spark® Cash for Business

Intro (Purchases)
N/A
Intro (Transfers)
N/A
Regular APR
15.49% - 24.49% (Variable)
Annual Fee
$0
Credit Recommended
Excellent, Good

Highlights

  • One-time $100 cash bonus after you spend $500 on purchases within 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
  • No annual fee
  • No foreign transaction fees

Intro (Purchases)
0% for 12 months
Intro (Transfers)
N/A
Regular APR
12.99% - 22.99% (Variable)
Annual Fee
$0
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
  • Fly any airline, stay at any hotel, anytime
  • Enjoy a low intro APR on purchases for 12 months; 12.99%-22.99% 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

Intro (Purchases)
0% intro on purchases for 12 months
Intro (Transfers)
n/a
Regular APR
13.90% - 23.90% (V)
Annual Fee
$0.00
Credit Recommended
Excellent/Good

Highlights

  • 5% Earnings on your first $5,000 in purchases every year. Unlimited 2% Earnings on every purchase after that. Redeem Earnings toward the purchase or lease of a new Chevrolet, Buick, GMC or Cadillac vehicle.
  • No annual fee, no redemption limits, no Earnings expiration, no foreign transaction fees. Save even more when you combine your available Earnings with most current GM offers and incentives.
  • 0% intro APR on purchases for 12 months, then a 13.90% – 23.90% variable APR on purchases will apply

Intro (Purchases)
0% Intro APR on Purchases 15 months
Intro (Transfers)
0% Intro APR on Balance Transfers 15 months
Regular APR
15.99% - 24.74% Variable
Annual Fee
$0
Credit Recommended
Good/Excellent

Highlights

  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate
  • Enjoy new 5% categories each quarter like gas stations, restaurants and drugstores
  • Unlimited 1% cash back on all other purchases - it's automatic
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 15.99-24.74%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • Cash Back rewards do not expire as long as your account is open
  • No annual fee
See additional details for Chase Freedom®

Intro (Purchases)
0% intro on purchases for 12 months
Intro (Transfers)
n/a
Regular APR
13.90% - 23.90% (V)
Annual Fee
$0.00
Credit Recommended
Excellent/Good

Highlights

  • 5% Earnings on your first $5,000 in purchases every year. Unlimited 2% Earnings on every purchase after that. Redeem Earnings toward the purchase or lease of a new Chevrolet, Buick, GMC or Cadillac vehicle.
  • No annual fee, no redemption limits, no Earnings expiration, no foreign transaction fees. Save even more when you combine your available Earnings with most current GM offers and incentives.
  • 0% intro APR on purchases for 12 months, then a 13.90% – 23.90% variable APR on purchases will apply
See additional details for Cadillac BuyPower Card from Capital One®

Intro (Purchases)
N/A
Intro (Transfers)
N/A
Regular APR
17.99% (Variable)
Annual Fee
$0 intro for first year; $59 after that
Credit Recommended
Excellent, Good

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; $59 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

Intro (Purchases)
0% intro on purchases for 12 months
Intro (Transfers)
n/a
Regular APR
13.90% - 23.90% (V)
Annual Fee
$0
Credit Recommended
Excellent/Good

Highlights

  • 5% Earnings on your first $5,000 in purchases every year. Unlimited 2% Earnings on every purchase after that. Redeem Earnings toward the purchase or lease of a new Chevrolet, Buick, GMC or Cadillac vehicle.
  • No annual fee, no redemption limits, no Earnings expiration, no foreign transaction fees. Save even more when you combine your available Earnings with most current GM offers and incentives.
  • 0% intro APR on purchases for 12 months, then a 13.90% – 23.90% variable APR on purchases will apply
See additional details for GMC BuyPower Card from Capital One®

Intro (Purchases)
0% for 9 months
Intro (Transfers)
0% for 9 months
Regular APR
13.99% - 23.99% (Variable)
Annual Fee
$0
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
  • Use your Quicksilver card and get 50% back as a statement credit on your monthly Spotify Premium subscription, now through April 2018
  • 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; 13.99%-23.99% variable APR after that
  • Balance transfers also have a 0% intro APR for 9 months; 13.99%-23.99% variable APR after that; a 3% fee applies to each balance transferred
  • Pay no annual fee or foreign transaction fees

Intro (Purchases)
0% 15 months
Intro (Transfers)
0% 15 months (on balance transfers made within 45 days of account opening)
Regular APR
13.99% Variable
Annual Fee
$0
Credit Recommended
Excellent

Highlights

  • 0% Introductory APR for the first 15 months on purchases. Plus, you'll get a 0% introductory APR for 15 months on Balance Transfers made within 45 days of account opening. After that, a variable APR will apply, 13.99%
  • No balance transfer fees
  • No foreign transaction fees
  • Chip technology, so paying for your purchases is more secure at chip-card terminals in the U.S. and abroad
  • Free online access to FICO® Credit Score
See additional details for Barclaycard Ring™ Mastercard®

Intro (Purchases)
N/A
Intro (Transfers)
0% introductory APR First 12 billing cycles following each balance transfer that posts to account within 45 days of account opening
Regular APR
12.99%, 20.99% or 25.99% variable
Annual Fee
$0
Credit Recommended
Excellent/Good

Highlights

  • Earn 5,000 bonus points after you spend $1,000 on purchases in the first 90 days.
  • Earn 3 points per $1 on JetBlue purchases, 2 points per $1 at restaurants and grocery stores and 1 point per $1 on all other purchases.
  • No blackout dates on JetBlue-operated flights & redeem for any seat, any time on JetBlue-operated flights. Points required for an Award Flight will vary based on the published base fare at the time of booking.
  • Points awarded in your TrueBlue account don't expire.
  • Earn and share points together with Family Pooling.
  • 50% savings on eligible inflight purchases like cocktails and food on JetBlue-operated flights
  • No foreign transaction fees
  • Chip technology & $0 Fraud Liability protection
See additional details for JetBlue Card

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.

**FICO 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.