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.

Discover it® Cash Back

Credit Recommended:
Excellent, Good
Credit Recommended:
Excellent, Good
Intro (Purchases)
0% for 14 months
Intro (Transfers)
0% for 14 months
Regular APR
13.99% - 24.99% Variable
Apply Now on Discover Card secure website.
Annual Fee
$0
Credit Recommended
Excellent, Good
Product Type
Consumer

Highlights

  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate.
  • Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Redeem cash back any amount, any time. Rewards never expire.
  • Use your rewards at Amazon.com checkout.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • No annual fee.
See additional details for Discover it® Cash Back
Rates & Fees

Capital One® Venture® Rewards Credit Card

Credit Recommended:
Excellent, Good
Credit Recommended:
Excellent, Good
Balance Transfer Fee
$0
Intro Rewards Bonus
50000 Miles once you spend $3,000 on purchases within 3 months from account opening
Annual Fee
$0 intro for first year; $95 after that
Apply Now on Capital One® secure website.
Foreign Trans Fee
None
Regular APR
14.74% - 24.74% (Variable)
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 2X miles on every purchase, every day. Plus earn 10X miles on thousands of hotels; learn more at hotels.com/venture
  • Named ‘The Best Travel Card' by CNBC, 2018
  • Receive up to $100 application fee credit for Global Entry or TSA Pre✔®
  • Fly any airline, stay at any hotel, anytime; 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

Chase Sapphire Preferred® Card

Credit Recommended:
Good/Excellent
Credit Recommended:
Good/Excellent
Rewards Rate 1
2X points on travel and dining
Intro Rewards Bonus
50,000 bonus points
Annual Fee
$95
Apply Now on Chase secure website.
Regular APR
17.99% - 24.99% Variable
Credit Recommended
Good/Excellent
Intro (Transfers)
N/A

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.
  • 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

Wells Fargo Propel American Express® Card

Credit Recommended:
Good/Excellent
Credit Recommended:
Good/Excellent
Intro (Purchases)
0% for 12 months
Intro (Transfers)
0% for 12 months
Regular APR
14.49%-26.99% (Variable)
Apply Now on Wells Fargo secure website.
Annual Fee
$0
Credit Recommended
Good/Excellent
Intro Purchase APR
0%

Highlights

  • New! Earn 30K bonus points when you spend $3,000 in purchases in the first 3 months that's a $300 cash redemption value
  • Earn 3X points for eating out and ordering in
  • Earn 3X points for gas stations, rideshares and transit
  • Earn 3X points for travel including flights, hotels, homestays and car rentals
  • Earn 1X points on other purchases
  • $0 Annual Fee
  • 0% Intro APR for 12 months on purchases and balance transfers (fees apply), then a 14.49%-26.99% variable APR; balance transfers made within 120 days qualify for the intro rate and fee
  • Select "Apply Now" to learn more about the product features, terms, and conditions
See additional details for Wells Fargo Propel American Express® Card

Discover it® Miles

Credit Recommended:
Excellent, Good
Credit Recommended:
Excellent, Good
Intro (Purchases)
0% for 14 months
Intro (Transfers)
10.99% for 14 months
Regular APR
13.99% - 24.99% Variable
Apply Now on Discover Card secure website.
Annual Fee
$0
Credit Recommended
Excellent, Good
Product Type
Consumer

Highlights

  • INTRO OFFER: Discover will match ALL the Miles you've earned at the end of your first year, automatically. For example, if you earn 30,000 Miles, you get 60,000 Miles. That's $600 towards travel!
  • Earn unlimited 1.5x Miles for every dollar spent on all purchases all with no annual fee.
  • No Blackout Dates - fly any airline, stay at any hotel.
  • Redeem your Miles as a statement credit towards travel purchases.
  • Freeze your account in seconds with an on/off switch either on the mobile app or website to prevent new purchases, cash advances, and balance transfers.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • No Annual Fee.
See additional details for Discover it® Miles
Rates & Fees

HSBC Gold Mastercard® credit card

Credit Recommended:
Good, Excellent
Credit Recommended:
Good, Excellent
Intro (Purchases)
0% Introductory APR on credit card purchases for the first 18 months from account opening
Intro (Transfers)
0% Introductory APR on balance transfers for the first 18 months from account opening
Regular APR
Variable APR of 12.99%, 16.99% or 20.99% will apply after the Introductory Period
Apply Now on HSBC Credit Cards secure website.
Annual Fee
N/A
Credit Recommended
Good, Excellent
Product Type
Consumer

Highlights

  • 0% Intro APR on purchases and balance transfers for the first 18 months from account opening. Then a variable APR of 12.99%, 16.99% or 20.99% will apply.
  • No Penalty APR.
  • Late Fee Waiver.
  • No Foreign Transaction Fees.
  • $0 Annual Fee.
  • $0 liability for unauthorized purchases.
  • Terms Apply.
See additional details for HSBC Gold Mastercard® credit card
Rates & Fees

Capital One® SavorOne℠ Cash Rewards Credit Card

Credit Recommended:
Excellent, Good
Credit Recommended:
Excellent, Good
Intro (Purchases)
0% for 15 months
Intro (Transfers)
0% for 15 months
Regular APR
14.74% - 24.74% (Variable)
Apply Now on Capital One® secure website.
Annual Fee
$0
Credit Recommended
Excellent, Good
Product Type
ConsumerCard

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 and entertainment, 2% at grocery stores 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 15 months; 14.74% - 24.74% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 14.74% - 24.74% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • No foreign transaction fee
  • No annual fee

NHL® Discover it®

Credit Recommended:
Excellent, Good
Credit Recommended:
Excellent, Good
Intro (Purchases)
0% for 14 months
Intro (Transfers)
0% for 14 months
Regular APR
13.99% - 24.99% Variable
Apply Now on Discover Card secure website.
Annual Fee
$0
Credit Recommended
Excellent, Good
Product Type
Consumer

Highlights

  • Choose your favorite team & show your pride - all 31 teams available. Save 10% at Shop.NHL.com and NHL.TV™.
  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • No annual fee.
See additional details for NHL® Discover it®
Rates & Fees

Capital One® Spark® Miles for Business

Credit Recommended:
Excellent, Good
Credit Recommended:
Excellent, Good
Annual Fee
$0 intro for first year; $95 after that
Foreign Trans Fee
None
Regular APR
18.74% (Variable)
Apply Now on Capital One® secure website.
Product Type
BusinessCard
Credit Recommended
Excellent, Good
Intro Rewards Bonus
200000 Miles Earn up to 200,000 miles: Earn a bonus of 50,000 miles when you spend $5,000 in the first 3 months and 150,000 miles when you spend $50,000 in the first 6 months of opening your account. Limited Time Offer

Highlights

  • Earn 2 miles per $1 on every purchase, every day
  • Earn up to 200,000 miles. Earn a bonus of 50,000 miles when you spend $5,000 in the first 3 months of opening your account
  • Plus, earn 150,000 miles when you spend $50,000 within the first 6 months. Limited Time Offer
  • 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
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
16.99% - 25.74% Variable
Credit Recommended
Good/Excellent
Intro Rewards Bonus
$150 Bonus

Highlights

  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.99-25.74%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • 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
  • 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®

Credit Recommended:
Excellent
Intro (Purchases)
0% intro on purchases for 12 months
Annual Fee
$0.00
Regular APR
18.99% 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 on an open Account; plus, a 0% Intro APR on purchases for the first 12 months and a variable APR of 18.99% after that

Capital One® Spark® Cash for Business

Credit Recommended:
Excellent, Good
Credit Recommended:
Excellent, Good
Annual Fee
$0 intro for first year; $95 after that
Foreign Trans Fee
None
Regular APR
18.74% (Variable)
Apply Now on Capital One® secure website.
Product Type
BusinessCard
Credit Recommended
Excellent, Good
Intro Rewards Bonus
2000 Cash Back Earn up to $2,000: Earn a $500 cash bonus when you spend $5,000 in the first 3 months and $1,500 when you spend $50,000 in the first 6 months of opening your account. Limited Time Offer.

Highlights

  • Earning unlimited 2% cash back could mean thousands of dollars each year going back into your business
  • Earn up to $2,000. Earn a $500 cash bonus when you spend $5,000 in the first 3 months of opening your account
  • Plus, earn $1,500 when you spend $50,000 in the first 6 months. Limited Time Offer
  • 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
Credit Recommended:
Excellent, Good
Annual Fee
$0 intro for first year; $95 after that
Balance Transfer Fee
$0
Foreign Trans Fee
None
Apply Now on Capital One® secure website.
Regular APR
16.24% - 25.24% (Variable)
Credit Recommended
Excellent, Good

Highlights

  • Earn a one-time $500 cash bonus after you spend $3000 on purchases within the first 3 months from account opening
  • Earn unlimited 4% cash back on dining and entertainment, 2% at grocery stores 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 foreign transaction fees
  • Capital One cardholders get access to premium experiences in dining, entertainment and more
  • $0 intro annual fee for the first year, $95 after that

Barclaycard Ring® Mastercard®

Credit Recommended:
Good/Excellent
Credit Recommended:
Good/Excellent
Intro (Transfers)
0% intro APR for 15 months on balance transfers made within 45 days of account opening. After that, a variable 13.99% APR will apply.
Annual Fee
$0
Regular APR
13.99% Variable
Apply Now on Barclaycard secure website.
Credit Recommended
Good/Excellent
Intro Rewards Bonus
N/A
Intro Rewards Bonus Value Description
null

Highlights

  • Enjoy a 0% intro APR for 15 months on balance transfers made within 45 days of account opening. After that, a variable 13.99% APR will apply
  • Low 13.99% variable APR on purchases and cash advances
  • No annual fee
  • No foreign transaction fees
  • International Chip and PIN
See additional details for Barclaycard Ring® Mastercard®
Rates & Fees

Capital One® VentureOne® Rewards Credit Card

Credit Recommended:
Excellent, Good
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
13.74% - 23.74% (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 1.25X miles on every purchase, every day and pay no annual fee. Plus earn 10X miles on thousands of hotels; learn more at hotels.com/venture
  • Fly any airline, stay at any hotel, anytime
  • Enjoy a low intro APR on purchases for 12 months; 13.74%-23.74% 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
Credit Recommended:
Excellent, Good
Intro (Purchases)
0% for 15 months
Intro (Transfers)
0% for 15 months
Annual Fee
$0
Apply Now on Capital One® secure website.
Foreign Trans Fee
None
Regular APR
14.74% - 24.74% (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 15 months; 14.74%-24.74% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 14.74%-24.74% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • Pay no annual fee or foreign transaction fees

Barclaycard Arrival Plus® World Elite Mastercard®

Credit Recommended:
Good/Excellent
Credit Recommended:
Good/Excellent
Intro (Transfers)
0% first 12 billing cycles following each balance transfer that posts to your account within 45 days of account opening
Foreign Trans Fee
0% of each transaction in U.S. dollars
Annual Fee
$89 (waived first year)
Apply Now on Barclaycard secure website.
Regular APR
17.99%, 21.99% or 24.99% variable based on your creditworthiness
Product Type
Consumer
Credit Recommended
Good/Excellent

Highlights

  • Enjoy 60,000 bonus miles after spending $5,000 on purchases in the first 90 days
  • Earn unlimited 2X miles on every purchase
  • Book travel your way—no airline, seat or hotel restrictions—and redeem your miles for travel statement credits
  • Get 5% miles back to use toward your next redemption, every time you redeem
  • No foreign transaction fees
  • International Chip and PIN for use at self-service chip terminals around the world
  • Miles don’t expire as long as your account is open, active and in good standing
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.


As featured on:
Huffpost Inc Nasdaq


Advertiser Disclosure

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.

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.