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 CreditSoup account today and get access to your free credit score and top matched credit card options specifically for you. Checking your score has no impact to your credit.

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 Chase secure website.
Credit Recommended (660-850):
Good/Excellent
Intro Rewards Bonus
60,000 bonus points
Foreign Trans Fee
$0
Annual Fee
$95
Apply Now on Chase secure website.
Regular APR
15.99% - 22.99% Variable
Credit Recommended
Good/Excellent
Intro (Transfers)
N/A

Highlights

  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 60,000 points are worth $750 toward travel
  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on orders over $12 for a minimum of one year on qualifying food purchases with DashPass, DoorDash's subscription service. Activate by 12/31/21.
  • Earn 5X points on Lyft rides through March 2022. That's 3X points in addition to the 2X points you already earn on travel.
See additional details for Chase Sapphire Preferred® Card

Upgrade Card

Credit Recommended:
Excellent, Good, Fair, Average
Apply Now on Sutton Bank, Member FDIC secure website.
Credit Recommended:
Excellent, Good, Fair, Average
Credit Line
$500 - $50,000
Regular APR
6.99%-29.99%
Annual Fee
$0
Apply Now on Sutton Bank, Member FDIC secure website.
Credit Recommended
Excellent, Good, Fair, Average

Highlights

  • Choose the Upgrade Card with a personal credit line instead of a credit card and enjoy predictable payments on lines from $500-$50,000.
  • No Fees – No annual fees and no fees to use your card.
  • Quick and easy application – find out if you qualify in minutes.
  • Checking your line won’t hurt your credit score.
  • Free access to credit monitoring, alerts and features to help you understand your credit.
  • Use wherever Visa is accepted. (cannot be used at an ATM)

Southwest Rapid Rewards® Plus Credit Card

Credit Recommended (660-850):
Good/Excellent
Apply Now on Chase secure website.
Credit Recommended (660-850):
Good/Excellent
Regular APR
15.99% - 22.99% Variable
Intro Rewards Bonus
Earn 40,000 points.
Annual Fee
$69
Apply Now on Chase secure website.
Foreign Trans Fee
3% of each transaction in U.S. dollars
Credit Recommended
Good/Excellent
Balance Transfer Fee
Either $5 or 5% of the amount of each transfer, whichever is greater.

Highlights

  • Earn 40,000 points after you spend $1,000 on purchases in the first 3 months your account is open.
  • 3,000 bonus points after your Cardmember anniversary.
  • 2 points per $1 spent on Southwest® purchases and Rapid Rewards® hotel and car rental partner purchases.
  • 1 point per $1 spent on all other purchases.
  • All points earned count towards Companion Pass.
  • No blackout dates or seat restrictions.
  • Redeem your points for flights, hotel stays, gift cards, access to events, and more.
See additional details for Southwest Rapid Rewards® Plus Credit Card

Southwest Rapid Rewards® Premier Credit Card

Credit Recommended (660-850):
Good/Excellent
Apply Now on Chase secure website.
Credit Recommended (660-850):
Good/Excellent
Regular APR
15.99% - 22.99% Variable
Intro Rewards Bonus
Earn 40,000 points.
Annual Fee
$99
Apply Now on Chase secure website.
Foreign Trans Fee
$0
Credit Recommended
Good/Excellent
Product Type
Consumer Card

Highlights

  • Earn 40,000 points after you spend $1,000 on purchases in the first 3 months your account is open.
  • 6,000 bonus points after your Cardmember anniversary.
  • 2 points per $1 spent on Southwest® purchases and Rapid Rewards® hotel and car rental partner purchases.
  • 1 point per $1 spent on all other purchases.
  • No foreign transaction fees.
  • No blackout dates or seat restrictions.
  • Redeem your points for flights, hotel stays, gift cards, access to events, and more.

Deserve Edu

Credit Recommended:
Good/Limited
Get Started on Celtic Bank secure website.
Credit Recommended:
Good/Limited
Annual Fee
$0
Credit Recommended
Good/Limited
Regular APR
20.24% Variable
Get Started on Celtic Bank secure website.
Foreign Trans Fee
$0
Late Payment Fee
Up to $25, First Late Fee Waived
Return Check Fee
Up to $37

Highlights

  • Enjoy Amazon Student Prime Membership on us for a year, must be a student to qualify.
  • Earn 1% cash back on all purchases automatically.
  • No Social Security Number required for International Students and no credit history required.
  • No Annual Fee, No Foreign Transaction Fees, and No Late Fee on first late payment.
  • Cell Phone Protection up to $600 when you pay your cell phone bill with Deserve EDU Mastercard along with Mastercard Platinum Benefits
  • More Perks You Deserve: Mint Mobile: Three Months of Text + Talk! Use your Deserve Mastercard to sign up and pay for any Mint Mobile wireless plan and you'll get a $45 statement credit. Lemonade Insurance Rebate - Pay for 3 consecutive monthly insurance from Lemonade with your Deserve card and get a $10 statement credit. Feather Furniture Rental - Use your Deserve card to rent furniture from Feather and enter promo code DESERVE100 to get $100 off your first month's rental.
  • Start/Stop card use + stay current with your FICO score with the Deserve mobile app.
  • Start building credit responsibly and enjoy the perks of being a student
  • No Deposit Required.
Rates & Fees

Southwest Rapid Rewards® Priority Credit Card

Credit Recommended (660-850):
Good/Excellent
Apply Now on Chase secure website.
Credit Recommended (660-850):
Good/Excellent
Regular APR
15.99% - 22.99% Variable
Intro Rewards Bonus
Earn 40,000 points.
Annual Fee
$149
Apply Now on Chase secure website.
Foreign Trans Fee
$0
Credit Recommended
Good/Excellent
Product Type
Consumer Card

Highlights

  • Earn 40,000 points after you spend $1,000 on purchases in the first 3 months your account is open.
  • 7,500 bonus points after your Cardmember anniversary.
  • $75 Southwest® travel credit each year.
  • 4 Upgraded Boardings per year when available.
  • 20% back on in-flight drinks and WiFi.
  • 2 points per $1 spent on Southwest® purchases and Rapid Rewards® hotel and car rental partner purchases.
  • 1 point per $1 spent on all other purchases.
  • No foreign transaction 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.