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 credit score is? Sign up for a Free Score today. Once you know your credit score, match it to a list of credit cards options for your score.

Chase Sapphire Preferred® Card

Credit Recommended (660-850):
Good/Excellent
Apply Now
Chase Sapphire Preferred® Card
Editor’s Rating: 4.8
4.8
Apply Now on the Chase secure website.
Credit Recommended (660-850):
Good/Excellent
Intro Rewards Bonus
60,000 bonus points
Rewards Rate 1
5x on travel purchased through Chase Travel℠, 3x on dining and 2x on all other travel purchases
Foreign Trans Fee
$0
Apply Now on the Chase secure website.
Annual Fee
$95
Regular APR
21.49%-28.49% Variable
Credit Recommended
Good/Excellent

Highlights

  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.
  • Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
  • Member FDIC
See additional details for Chase Sapphire Preferred® Card

Chase Freedom Unlimited®

Credit Recommended (660-850):
Good/Excellent
Apply Now
Chase Freedom Unlimited®
Editor’s Rating: 4.7
4.7
Apply Now on the Chase secure website.
Credit Recommended (660-850):
Good/Excellent
Rewards Rate 1
1.5% - 5% cash back
Intro (Purchases)
0% Intro APR on Purchases 15 months
Annual Fee
$0
Apply Now on the Chase secure website.
Intro Rewards Bonus
Up to $300 cash back
Intro (Transfers)
0% Intro APR on Balance Transfers 15 months
Regular APR
20.49% - 29.24% Variable

Highlights

  • INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
  • Enjoy 6.5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
  • After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel℠, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
  • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
  • Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
  • No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
  • Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
  • Member FDIC
See additional details for Chase Freedom Unlimited®

Upgrade Cash Rewards Visa®

Credit Recommended:
Excellent, Good, Fair, Average
Apply Now on the Upgrade secure website.
Credit Recommended:
Excellent, Good, Fair, Average
Credit Line
$500 - $25,000
Annual Fee
$0
Foreign Trans Fee
Up to 3%
Apply Now on the Upgrade secure website.
Regular APR
14.99% - 29.99% APR
Credit Recommended
Excellent, Good, Fair, Average
Balance Transfer Fee
Up to 5%

Highlights

  • $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*
  • Earn 1.5% unlimited cash back on card purchases every time you make a payment
  • Combine the flexibility of a credit card with the predictability of a personal loan
  • No annual fee
  • No touch payments with contactless technology built in
  • See if you qualify in minutes without hurting your credit score
  • Great for large purchases with predictable payments you can budget for
  • Mobile app to access your account anytime, anywhere
  • Enjoy peace of mind with $0 Fraud liability
See additional details for Upgrade Cash Rewards Visa®

*To qualify for the welcome bonus, you must open and fund a new Rewards Checking Plus account through Upgrade and make 3 qualifying debit card transactions from your Rewards Checking Plus account within 60 days of the date the Rewards Checking Plus account is opened. If you have previously opened a checking account through Upgrade or do not open a Rewards Checking Plus account as part of this application process, you are not eligible for this welcome bonus offer. Your Upgrade Card and Rewards Checking Plus account must be open and in good standing to receive a bonus. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade VISA® Debit Card Agreement and Disclosures for more information. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking Plus account as a one-time payout credit within 60 days after meeting the conditions.

Rates & Fees

Mastercard® Gold Card™

Credit Recommended (720-850):
Excellent
Apply Now on the Barclays Bank secure website. See if you may qualify
Credit Recommended (720-850):
Excellent
Intro (Transfers)
0% introductory APR for the first fifteen billing cycles following each balance transfer that posts to your account within 45 days of account opening.
Regular APR
21.24%, 25.43% or 28.24%
Foreign Trans Fee
0% of each transaction in U.S. dollars.
Apply Now on the Barclays Bank secure website. See if you may qualify
Credit Recommended
Excellent
Annual Fee
$995 ($295 for each Authorized User added to the account)
Product Type
Consumer/Business

Highlights

  • Ideal for those seeking a premium travel card that doubles as an everyday workhorse, paired with elevated service beyond the ordinary. Leave behind the hassle of juggling various cards and monthly statements, while finding peace of mind with protection benefits that exceeds standard credit cards.
  • Flat-rate redemption value of 2% for cash back or 2% value for airfare redemption with no airline or seat restrictions and no blackout dates. Earn one point for every dollar spent. Straightforward redemption without needing a high-maintenance reward strategy. No foreign transaction fees, no earning caps, no rotating categories, and no need to chase down transfer partners to escape very low point values.
  • Annual Airline Credit—up to $200 in statement credits toward flight-related purchases including airline tickets, baggage fees, upgrades and more. Just pay for airline purchases with your Mastercard Gold Card and we will automatically apply the credit to your account. That’s it. No need to activate or designate an airline. The credit amount is available in full at the start of the calendar year.
  • Up to a $100 application fee credit for the cost of TSA Pre✓® or Global Entry. Also, enjoy automatic enrollment in Priority Pass™ Select with access to 1,300+ airport lounges worldwide with no guest or lounge limits. Includes credits at select airport restaurants for cardholder and one guest.
  • 24/7 Luxury Card Concierge®—Make requests the way you want by phone, email, SMS and chat in the app. Connect directly with a real agent and receive 24/7 assistance for tasks big and small. Requests do not require a purchase, incure no charge for making them, and do not involve department transfers.
  • Exclusive Luxury Card Travel® benefits—average value of $500 per stay (e.g., resort credits, room upgrades, free wifi, breakfast for two and more) at over 3,000 properties. Receive protection benefits like trip cancellation and interruption, auto rental car collision waiver, travel accident and baggage delay. Cell phone protection for eligible claims of up to $1,000 each year. Plus additional World Elite Mastercard® benefits.
  • Made with 24K Gold: Weighing in at an industry-leading 22g. Designed for frequent shoppers, big ticket purchases and everything in between.
  • Annual Fee: $995 ($295 for each Authorized User). Terms and conditions apply.
See additional details for Mastercard® Gold Card™

Earn one point for every one dollar spent. Terms and conditions apply.


Mastercard® Black Card™

Credit Recommended (720-850):
Excellent
Apply Now on the Barclays Bank secure website. See if you may qualify
Credit Recommended (720-850):
Excellent
Intro (Transfers)
0% introductory APR for the first fifteen billing cycles following each balance transfer that posts to your account within 45 days of account opening.
Regular APR
21.24%, 25.43% or 28.24%
Annual Fee
$495 ($195 for each Authorized User added to the account)
Apply Now on the Barclays Bank secure website. See if you may qualify
Credit Recommended
Excellent
Product Type
Consumer/Business
Cash Advance APR
30.49% This APR will vary with the market based on the Prime Rate.

Highlights

  • Ideal for those seeking a premium travel card that doubles as an everyday workhorse, paired with elevated service beyond the ordinary. Leave behind the hassle of juggling various cards and monthly statements, while finding peace of mind with protection benefits that exceeds standard credit cards.
  • Flat-rate redemption value of 1.5% for cash back or 2% value for airfare redemption with no airline or seat restrictions and no blackout dates. Earn one point for every dollar spent. Straightforward redemption without needing a high-maintenance reward strategy. No foreign transaction fees, no earning caps, no rotating categories, and no need to chase down transfer partners to escape very low point values.
  • Annual Airline Credit—up to $100 in statement credits toward flight-related purchases including airline tickets, baggage fees, upgrades and more. Just pay for airline purchases with your Mastercard Black Card and we will automatically apply the credit to your account. That’s it. No need to activate or designate an airline. The credit amount is available in full at the start of the calendar year.
  • Up to a $100 application fee credit for the cost of TSA Pre✓® or Global Entry. Also, enjoy automatic enrollment in Priority Pass™ Select with access to 1,300+ airport lounges worldwide with no guest or lounge limits. Includes credits at select airport restaurants for cardholder and one guest.
  • 24/7 Luxury Card Concierge®—Make requests the way you want by phone, email, SMS and chat in the app. Connect directly with a real agent and receive 24/7 assistance for tasks big and small. Requests do not require a purchase, incure no charge for making them, and do not involve department transfers.
  • Exclusive Luxury Card Travel® benefits—average value of $500 per stay (e.g., resort credits, room upgrades, free wifi, breakfast for two and more) at over 3,000 properties. Receive protection benefits like trip cancellation and interruption, auto rental car collision waiver, travel accident and baggage delay. Cell phone protection for eligible claims of up to $1,000 each year. Plus additional World Elite Mastercard® benefits.
  • Black PVD-Coated Metal Card: Weighing in at an industry-leading 22g. Designed for frequent shoppers, big ticket purchases and everything in between.
  • Annual Fee: $495 ($195 for each Authorized User). Terms and conditions apply.
See additional details for Mastercard® Black Card™

Earn one point for every one dollar spent. Terms and conditions apply.


Mastercard® Titanium Card™

Credit Recommended (720-850):
Excellent
Apply Now on the Barclays Bank secure website. See if you may qualify
Credit Recommended (720-850):
Excellent
Intro (Transfers)
0% introductory APR for the first fifteen billing cycles following each balance transfer that posts to your account within 45 days of account opening.
Regular APR
21.24%, 25.43% or 28.24%
Foreign Trans Fee
0% of each transaction in U.S. dollars.
Apply Now on the Barclays Bank secure website. See if you may qualify
Annual Fee
$195 ($95 for each Authorized User added to the account)
Credit Recommended
Excellent
Product Type
Consumer/Business

Highlights

  • Ideal for those seeking an introductory premium travel card that provides exceptional airfare redemption, access to hotel privileges and elevated service beyond the ordinary. Find peace of mind with protection benefits that exceeds standard credit cards.
  • Flat-rate redemption value of 1% for cash back or 2% value for airfare redemption with no airline or seat restrictions and no blackout dates. Earn one point for every dollar spent. Straightforward redemption without needing a high-maintenance reward strategy. No foreign transaction fees, no earning caps, no rotating categories, and no need to chase down transfer partners to escape very low point values.
  • 24/7 Luxury Card Concierge®—Make requests the way you want by phone, email, SMS and chat in the app. Connect directly with a real agent and receive 24/7 assistance for tasks big and small. Requests do not require a purchase, incure no charge for making them, and do not involve department transfers.
  • Exclusive Luxury Card Travel® benefits—average value of $500 per stay (e.g., resort credits, room upgrades, free wifi, breakfast for two and more) at over 3,000 properties. Receive protection benefits like trip cancellation and interruption, auto rental car collision waiver, travel accident and baggage delay. Cell phone protection for eligible claims of up to $1,000 each year. Plus additional World Elite Mastercard® benefits.
  • Members-only LUXURY MAGAZINE®.
  • Brushed Metal Card Design: Weighing in at an industry-leading 22g. Designed for frequent shoppers, big ticket purchases and everything in between.
  • Annual fee: $195 ($95 for each Authorized User). Terms and conditions apply.
See additional details for Mastercard® Titanium Card™

Earn one point for every one dollar spent. Terms and conditions apply.


DoorDash Rewards Mastercard®

Credit Recommended:
See website for Details*
Apply Now on the issuer’s secure website.
Credit Recommended:
See website for Details*
Rewards Rate 1
4% cash back on DoorDash and Caviar orders. 3% cash back on dining. 2% cash back on grocery stores. 1% cash back on all other purchases
Intro Rewards Bonus
Free Dash Pass for a year
Regular APR
20.24% - 28.99% variable
Apply Now on the issuer’s secure website.
Annual Fee
0
Regular Transfer APR
20.24% - 28.99% variable
Cash Advance APR
29.99% Variable

Highlights

  • With the DoorDash Rewards Mastercard get a FREE year of DashPass ($96 value).
  • 4% cash back on DoorDash and Caviar orders. Enjoy this benefit on every type of DoorDash order, including restaurants, groceries, pet supplies, retail items, and more. No earning caps.
  • 3% cash back on dining when purchased directly from a restaurant. No earning caps.
  • 2% cash back on purchases from grocery stores, online or in person. 1% cash back on all other purchases. No earning caps.
  • Get a complimentary DashPass membership ($96 value) every year with $10k in annual card spend. DashPass members enjoy $0 delivery fees & reduced service fees on every eligible order.
  • No annual card fee, just cash back on every purchase.
  • As an exclusive Cardmember benefit, get 10% off one Convenience, Grocery, Alcohol, Retail or DashMart order every month. Maximum discount of $15 per order. Offer expires 12/31/2024.
  • Member FDIC
See additional details for DoorDash Rewards Mastercard®

Upgrade Life Rewards Visa®

Credit Recommended:
See website for Details*
Apply Now on the Upgrade secure website.
Credit Recommended:
See website for Details*
Annual Fee
$0
Intro Purchase APR
N/A
Regular APR
14.99% -29.99%
Apply Now on the Upgrade secure website.
Intro Transfer APR
N/A
Cash Advance APR
N/A
Cash Advance Fee
N/A

Highlights

  • $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*
  • 3% Cash Back on payments for Gas, Grocery, Health, Streaming, and Utility categories, 1% cash back on everything else (Target and Walmart earn 1%)
  • Pay your balance in full early each month and avoid interest with EarlyPay (See the Upgrade site for details.)
  • Combine the flexibility of a credit card with the predictability of a personal loan
  • No annual fee
  • No touch payments with contactless technology built in
  • See if you qualify in minutes without hurting your credit score
  • Great for large purchases with predictable payments you can budget for
  • Mobile app to access your account anytime, anywhere
  • Enjoy peace of mind with $0 Fraud liability
See additional details for Upgrade Life Rewards Visa®

*To qualify for the welcome bonus, you must open and fund a new Rewards Checking Plus account through Upgrade and make 3 qualifying debit card transactions from your Rewards Checking Plus account within 60 days of the date the Rewards Checking Plus account is opened. If you have previously opened a checking account through Upgrade or do not open a Rewards Checking Plus account as part of this application process, you are not eligible for this welcome bonus offer. Your Upgrade Card and Rewards Checking Plus account must be open and in good standing to receive a bonus. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade VISA® Debit Card Agreement and Disclosures for more information. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking Plus account as a one-time payout credit within 60 days after meeting the conditions.

Rates & Fees
Advertiser Disclosure

Credit Cards For Excellent Credit

Credit cards for the best credit scores 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.

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.

Here are a few reasons you might want to change your mind.

Why You Should Consider Credit Cards for the Best Credit Scores

If you routinely toss new card offers, you may be missing out on some excellent credit card benefits. Credit card issuers are in fierce competition for consumers with excellent credit and must offer very attractive, benefits, rewards and enticements as part of their strategy in order to remain competitive. With these credit cards, low interest rates and no annual fees are just the beginning.

Many prime credit cards offer benefits such as these:

  • Cash Back
  • Reward Points
  • Air miles
  • Insurance Coverages

You deserve 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. We can help you locate the excellent credit card for which you are looking by comparing features and benefits from multiple issuers in one place.

If you have not applied for a new credit card in a few years, you might be surprised by what’s out there. We routinely feature cards that help you manage your debt and pay it off faster or help you to earn rewards on your everyday spending.

How to Choose the Best Credit Cards for Excellent Credit

There are so many factors that affect the kinds of offers you’ll get that you may need to research several options before making the right choice. Since lenders are battling for your business, they change their terms regularly to keep up with the competition.

Look for offers that feature:

  • Low introductory rates
  • Minimal fees on balance transfers
  • Low, fixed rates after the introductory period
  • Rewards such as cash back on purchases
  • Signup bonuses

With excellent credit, you probably use credit cards mostly to take advantage of those benefits. Make sure you understand what you have to do to get the rewards, because that could affect the option you choose. You might be tempted to reject any card that charges an annual fee, but it may be better to compare them to the benefits you get in return. Some cards charge an annual fee in exchange for some amazing rewards. In fact, at least a few offers the require the highest credit scores and to qualify and offer the largest signup bonuses charge an annual fee. But, it’s certainly worth seeing what you get for your money before deciding.

If you do not find the card with the perfect benefits for you, check back regularly. There’s no need to worry when you can always count on CreditSoup to show you the best credit cards for excellent credit right here. If you are unsure if you have excellent credit you can get your free credit score here.

*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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Advertiser Disclosure

CreditSoup is an independent, advertising-supported comparison service. The 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 companies or all offers available in the marketplace. CreditSoup may use other proprietary factors to impact offer listings on the website such as consumer selection or the likelihood of the applicant’s credit approval.

Editor’s Rating

Our editors review each credit card and provide our ratings based on the features the credit card offers consumers including the fees, interest rates, benefits, rewards, and how it compares to other credit cards in its category. Card ratings may vary by category as the same card may receive a different rating based on that category.

CreditSoup.com may be compensated by companies mentioned on our site when a consumer’s application is accepted or approved by the company.