Credit cards in the excellent credit category typically offer the lowest APRs, lowest fees, best rewards, and most competitive introductory offers. The typical credit score that qualifies for one of these credit cards is between 720 and 850. Consumers that have excellent credit can save a significant amount in interest while receiving some of the highest rewards offers.

Capital One® Venture® Rewards Credit Card

Intro (Purchases)
N/A
Intro (Transfers)
N/A
Regular APR
13.49% - 23.49% (Variable)
Annual Fee
$0 intro for first year; $59 after that
Credit Recommended
Excellent, Good
Product Type
ConsumerCard

Highlights

  • Enjoy a one-time bonus of 40,000 miles once you spend $3,000 on purchases within 3 months of approval, 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 don't expire 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
  • Limited Time Offer: Get a metal Venture Card when you apply today

U.S. Bank Cash+™ Visa Signature® Card

Intro Rate
0%* intro on BTs
Intro Period
12 billing cycles on Balance Transfers*
Regular APR
14.74% - 23.74%* (Variable)
Annual Fee
$0*
Balance Transfer
Yes*
Credit Recommended
Excellent

Highlights

  • You Choose Your Cash Back: 5% on your first $2,000 in combined eligible net purchases each quarter on the two categories you choose, 2% on one everyday category (like gas or groceries), 1% on all other eligible net purchases
  • New Cardmember bonus: $100 after you spend $500 in eligible net purchases in the first 90 days you have the card
  • 0% Intro APR* on balance transfers for 12 billing cycles. After that, a variable APR currently 14.74% - 23.74%
  • Unlimited cash back
  • No annual fee
  • Great Offer for Customers of U.S. Bank, a 2017 World's Most Ethical Company® - Ethisphere Institute, March 2017

*See Card Terms and Conditions


Barclaycard CashForward™ World MasterCard®

Intro (Purchases)
N/A
Intro (Transfers)
0% 15 months (on balance transfers made within 45 days of account opening)
Regular APR
15.24%, 20.24% or 25.24%* Variable
Annual Fee
$0
Credit Recommended
Excellent
Product Type
Consumer

Highlights

  • Get a $100 cash rewards bonus after you spend $500 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 your bank 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
  • 0% introductory APR for 15 months on Balance Transfers made within 45 days of account opening. After that a variable APR will apply, 15.24%, 20.24% or 25.24%, based on your creditworthiness. Please note, there is a fee for balance transfers
  • No annual fee

BuyPower Business Card from Capital One® -Get The Card That Helps You Get The Car

Intro (Purchases)
0% for 12 months
Intro (Transfers)
n/a
Regular APR
13.74% Variable APR
Annual Fee
$0
Credit Recommended
Excellent
Product Type
Business

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 13.74% after that

Capital One® Spark® Cash for Business

Intro (Purchases)
N/A
Intro (Transfers)
N/A
Regular APR
17.49% (Variable)
Annual Fee
$0 intro for first year; $59 after that
Credit Recommended
Excellent, Good
Product Type
BusinessCard

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 of approval
  • 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 don't expire, 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

Capital One® VentureOne® Rewards Credit Card

Intro (Purchases)
0% for 12 months
Intro (Transfers)
N/A
Regular APR
12.49% - 22.49% (Variable)
Annual Fee
$0
Credit Recommended
Excellent, Good
Product Type
ConsumerCard

Highlights

  • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within 3 months of approval, 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; 12.49%-22.49% variable APR after that
  • Travel when you want with no blackout dates
  • No foreign transaction fees
  • Miles don’t expire and there’s no limit to how many you can earn

U.S. Bank Visa® Platinum Card

Intro Rate
0%*
Intro Period
15 billing cycles on purchases and balance transfers*
Regular APR
10.74% - 22.74%* (Variable)
Annual Fee
$0*
Balance Transfer
Yes*
Credit Recommended
Excellent

Highlights

  • 0% Intro APR on purchases and balance transfers for 15 billing cycles. After that, a variable APR currently 10.74% - 22.74%
  • Great Offer for Customers of U.S. Bank, a 2017 World's Most Ethical Company® - Ethisphere Institute, March 2017
  • No Annual Fee
  • Flexibility to choose a payment due date that fits your schedule
  • Fraud Protection: receive notifications of unusual activity, plus zero fraud liability for fraudulent charges

*See Card Terms and Conditions.


BuyPower Card from Capital One® -Get The Card That Helps You Get The Car

Intro (Purchases)
0% for 12 months
Intro (Transfers)
n/a
Regular APR
13.40% - 23.40% (V)
Annual Fee
$0
Credit Recommended
Excellent/Good
Product Type
Consumer

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 13.40% – 23.40% variable APR on purchases will apply

Cadillac BuyPower Card from Capital One®

Intro (Purchases)
0% for 12 months
Intro (Transfers)
n/a
Regular APR
13.40% - 23.40% (V)
Annual Fee
$0
Credit Recommended
Excellent/Good
Product Type
Consumer

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 13.40% – 23.40% variable APR on purchases will apply

Capital One® Spark® Miles for Business

Intro (Purchases)
N/A
Intro (Transfers)
N/A
Regular APR
17.49% (Variable)
Annual Fee
$0 intro for first year; $59 after that
Credit Recommended
Excellent, Good
Product Type
BusinessCard

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 of approval
  • Miles don't expire, 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 and miles don't expire
  • 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

GMC BuyPower Card from Capital One®

Intro (Purchases)
0% for 12 months
Intro (Transfers)
n/a
Regular APR
13.40% - 23.40% (V)
Annual Fee
$0
Credit Recommended
Excellent/Good
Product Type
Consumer

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 13.40% – 23.40% variable APR on purchases will apply

Capital One® Quicksilver® Cash Rewards Credit Card

Intro (Purchases)
0% for 9 months
Intro (Transfers)
0% for 9 months
Regular APR
13.49% - 23.49% (Variable)
Annual Fee
$0
Credit Recommended
Excellent, Good
Product Type
ConsumerCard

Highlights

  • One-time $100 cash bonus after you spend $500 on purchases within 3 months of approval
  • 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 doesn’t expire and there’s no limit to how much you can earn
  • 0% intro APR on purchases for 9 months; 13.49%-23.49% variable APR after that
  • Balance transfers also have a 0% intro APR for 9 months; 13.49%-23.49% variable APR after that; a 3% fee applies to each balance transferred
  • Pay no annual fee or foreign transaction fees

Barclaycard Ring™ Mastercard®

Intro (Purchases)
0% 15 months
Intro (Transfers)
0% 15 months (on balance transfers made within 45 days of account opening)
Regular APR
13.49% Variable
Annual Fee
$0
Credit Recommended
Excellent
Product Type
Consumer

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, 13.49%
  • 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

U.S. Bank FlexPerks® Gold American Express® Card

Intro Rate
NA
Intro Period
NA
Regular APR
14.74% - 24.74%* (Variable)
Annual Fee
$85*
Balance Transfer
Yes*
Credit Recommended
Excellent Credit

Highlights

  • Earn 30,000 bonus FlexPoints after you spend $2,000 in eligible net purchases in the first 4 months you have the card
  • 3X FlexPoints at restaurants, 2X FlexPoints at gas stations and airlines, 1X FlexPoints on all other eligible net purchases
  • Redeem for travel on over 150 airlines, no blackout dates or redemption fees
  • No foreign transaction fees
  • Great Offer for Customers of U.S. Bank, a 2017 World's Most Ethical Company® - Ethisphere Institute, March 2017

*See Card Terms and Conditions


U.S. Bank Cash 365™ American Express® Card

Intro Rate
0%* intro on BTs
Intro Period
12 billing cycles on Balance Transfers*
Regular APR
14.74% - 23.74%* (Variable)
Annual Fee
$0*
Balance Transfer
Yes*
Credit Recommended
Excellent

Highlights

  • Earn unlimited 1.5% cash back on eligible net purchases
  • New cardmember bonus: $100 after you spend $500 in eligible net purchases in the first 90 days you have the card
  • 0% Intro APR on balance transfers for 12 billing cycles. After that, a varia ble APR currently 14.74% - 23.74%
  • Unlimited cash back
  • Cash back never expires
  • No annual fee
  • Great Offer for Customers of U.S. Bank, a 2017 World's Most Ethical Company® - Ethisphere Institute, March 2017

*See Card Terms and Conditions


JetBlue Card

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
12.49%, 20.49% or 25.49% variable
Annual Fee
$0
Credit Recommended
Excellent/Good
Product Type
Consumer

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

More about Excellent Credit…

If you have an excellent credit rating 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.com, 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.