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.

Citi® Diamond Preferred® Card

Credit Recommended:
Excellent, Good
Apply Now on issuer’s secure website.
Credit Recommended:
Excellent, Good
Intro (Purchases)
0% 18 months on Purchases and Balance Transfers
Intro (Transfers)
0% 18 months on Purchases and Balance Transfers
Annual Fee
$0
Apply Now on issuer’s secure website.
Regular APR
14.74% - 24.74% (Variable)
Cash Advance APR
25.24% (Variable)
Penalty APR
Up to 29.99% (Variable)

Highlights

  • 0% Intro APR for 18 months on purchases from date of account opening and 0% Intro APR for 18 months on balance transfers from date of first transfer. After that the variable APR will be 14.74% - 24.74%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater
  • Get free access to your FICO® Score online.
  • With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
  • Shop with confidence knowing that you have dependable protection benefits, including $0 Liability on Unauthorized Purchases and Citi® Identity Theft Solutions.
  • The standard variable APR for Citi Flex Plan is 14.74% - 24.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
See additional details for Citi® Diamond Preferred® Card

Citi Rewards+® Card

Credit Recommended:
Excellent, Good
Apply Now on issuer’s secure website.
Credit Recommended:
Excellent, Good
Intro (Purchases)
0% Intro APR Period 15 months on Purchases and Balance Transfers
Intro (Transfers)
0% Intro APR Period 15 months on Purchases and Balance Transfers
Annual Fee
$0
Apply Now on issuer’s secure website.
Regular APR
13.49% - 23.49% (Variable)
Rewards Rate 1
Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com
Credit Recommended
Excellent, Good

Highlights

  • The Citi Rewards+® Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
  • Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com
  • 0% Intro APR on balance transfers for 15 months from date of first transfer and on purchases from date of account opening. After that, the variable APR will be 13.49% - 23.49%, based on your creditworthiness. Balance transfer fee — either $5 or 3% of the amount of each transfer, whichever is greater.
  • Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases.
  • The standard variable APR for Citi Flex Plan is 13.49% - 23.49%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
See additional details for Citi Rewards+® Card

Chase Freedom Flex℠

Credit Recommended:
Good/Excellent
Apply Now on issuer’s secure website.
Credit Recommended:
Good/Excellent
Intro (Purchases)
0% Intro APR on Purchases 15 months
Rewards Rate 1
5% cash back offer
Intro Rewards Bonus
$200 bonus
Apply Now on issuer’s secure website.
Annual Fee
$0
Intro (Transfers)
N/A
Regular APR
14.99% - 23.74% Variable

Highlights

  • Earn a $200 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!
  • Earn 5% on travel purchased through Chase, 3% on dining at restaurants and drugstores, and 1% on all other purchases.
  • No annual fee.
  • 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%.
  • No minimum to redeem for cash back. Cash Back rewards do not expire as long as your account is open.
See additional details for Chase Freedom Flex℠

Citi® Double Cash Card

Credit Recommended:
Excellent, Good
Apply Now on issuer’s secure website.
Credit Recommended:
Excellent, Good
Intro (Transfers)
0% Intro APR Period 18 months on Balance Transfers
Rewards Rate 1
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
Credit Recommended
Excellent, Good
Apply Now on issuer’s secure website.
Regular APR
13.99% – 23.99% (Variable)
Cash Advance APR
25.24% (Variable)
Return Check Fee
Up to $40

Highlights

  • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • To earn cash back, pay at least the minimum due on time.
  • Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.99% – 23.99%, based on your creditworthiness.
  • Balance Transfers do not earn cash back.
  • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • The standard variable APR for Citi Flex Plan is 13.99% – 23.99% based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
See additional details for Citi® Double Cash Card

Jasper Cash Back Mastercard®

Credit Recommended:
Excellent, Good, Limited
Apply Now on Jasper secure website. See if you may qualify
Credit Recommended:
Excellent, Good, Limited
Annual Fee
$0
Credit Line
Up to $5,000
Regular APR
15.49%-24.99% (Variable)
Apply Now on Jasper secure website. See if you may qualify
Cash Advance APR
24.99%-29.99% (Variable)
Late Payment Fee
Up to $27.00
Return Check Fee
Up to $27.00

Highlights

  • Up to 6% cash back by referring friends!
  • Start with 1% and get an extra 0.5% for a full year for every friend you bring on board.
  • Cash back not limited to certain categories, earn on almost all everyday purchases.
  • Receive cash back automatically every month as a statement credit after three on time payments.
  • Earn cash back as long as your account is in good standing.
  • Your cash back maximum varies based on your credit limit.
  • See Jasper's terms and fees.
  • Issued by WebBank, Member FDIC
See additional details for Jasper Cash Back Mastercard®
Rates & Fees

Chase Freedom Unlimited®

Credit Recommended (660-850):
Good/Excellent
Apply Now
Chase Freedom Unlimited®
Editor’s Rating: 4.7
4.7
Apply Now on Chase secure website.
Credit Recommended (660-850):
Good/Excellent
Intro (Purchases)
0% Intro APR on Purchases 15 months
Intro Rewards Bonus
$200 bonus
Annual Fee
$0
Apply Now on Chase secure website.
Intro (Transfers)
N/A
Regular APR
14.99% - 23.74% Variable
Credit Recommended
Good/Excellent

Highlights

  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Earn unlimited 1.5% cash back on all other purchases.
  • Earn 5% on travel purchased through Chase, 3% on dining at restaurants and drugstores, and 1.5% on all other purchases.
  • No annual fee.
  • 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%.
  • No minimum to redeem for cash back. Cash Back rewards do not expire as long as your account is open.
See additional details for Chase Freedom Unlimited®

Grand Reserve™ World Mastercard®

Credit Recommended:
Good/Excellent
Apply Now on Celtic Bank secure website.
Credit Recommended:
Good/Excellent
Intro Rewards Bonus
Earn 50,000 bonus points when you spend $3,000 on purchases in the first 3 months after account opening.
Regular APR
14.99 - 22.99% Variable
Annual Fee
$0 annual fee for the first year, then $149
Apply Now on Celtic Bank secure website.
Credit Recommended
Good/Excellent
Card Brand
Mastercard®
Intro (Purchases)
N/A

Highlights

See additional details for Grand Reserve™ World Mastercard®

American Airlines AAdvantage MileUp℠ Card

Credit Recommended:
Excellent, Good
Apply Now on issuer’s secure website.
Credit Recommended:
Excellent, Good
Regular APR
15.99% - 24.99% (Variable)
Annual Fee
$0
Credit Recommended
Excellent, Good
Apply Now on issuer’s secure website.
Cash Advance APR
25.24% (Variable)
Penalty APR
Up to 29.99% (Variable)
Late Payment Fee
Up to $40

Highlights

  • Earn 10,000 American Airlines AAdvantage® bonus miles and receive a $50 statement credit after making $500 in purchases within the first 3 months of account opening
  • No Annual Fee
  • Earn 2 AAdvantage® miles for each $1 spent at grocery stores, including grocery delivery services
  • Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases
  • Earn 1 AAdvantage® mile for every $1 spent on other purchases
  • Save 25% on inflight food and beverage purchases when you use your card on American Airlines flights
  • The standard variable APR for Citi Flex Plan is 15.99% - 24.99%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
See additional details for American Airlines AAdvantage MileUp℠ Card

Citi Premier® Card

Credit Recommended:
Excellent, Good
Apply Now on issuer’s secure website.
Credit Recommended:
Excellent, Good
Foreign Trans Fee
0%
Rewards Rate 1
3X -- Earn 3 Points per $1 spent at Restaurants and Supermarkets 3X -- Earn 3 Points per $1 spent at Gas Stations, Air Travel and Hotels 1X -- Earn 1 Point on All Other Purchases Annual Hotel Savings Benefit
Regular APR
15.99% - 23.99% (Variable)
Apply Now on issuer’s secure website.
Annual Fee
$95
Credit Recommended
Excellent, Good
Intro (Purchases)
N/A

Highlights

  • Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
  • Earn 3 Points per $1 spent at Restaurants and Supermarkets
  • Earn 3 Points per $1 spent at Gas Stations, Air Travel and Hotels
  • Earn 1 Point per $1 spent on all other purchases
  • Annual Hotel Savings Benefit
  • 60,000 Points are redeemable for $600 in gift cards when redeemed at thankyou.com
  • No expiration and no limit to the amount of points you can earn with this card
  • No Foreign Transaction Fees on purchases
See additional details for Citi Premier® Card

Upgrade Visa® Card with Cash Rewards

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
8.99%-29.99%
Annual Fee
$0
Apply Now on Sutton Bank, Member FDIC secure website.
Credit Recommended
Excellent, Good, Fair, Average
Return Check Fee
$0
Foreign Trans Fee
$0

Highlights

  • Earn 1.5% unlimited cash back on card purchases every time you make a payment
  • Combine the flexibility of a card with the low cost and predictability of a loan
  • $0 fees - $0 annual fee, $0 activation fees, $0 maintenance fees
  • No touch payments with contactless technology built in
  • See if you qualify in minutes without hurting your credit score
  • Access to a virtual card while you wait for your card to arrive in the mail
  • 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 Visa® Card with Cash Rewards
Rates & Fees

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 plus 3X points on dining for a year.
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. Plus, earn 3X points on dining, including takeout and eligible delivery services, for the first year.
  • 3,000 bonus points after your Cardmember anniversary each year.
  • Earn 2 points per $1 spent on Southwest® purchases.
  • Earn 1 point per $1 spent on all other purchases.
  • All points earned count towards Companion Pass.
  • No blackout dates or seat restrictions.
  • Your points never expire, a benefit of the Rapid Rewards® program.
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 plus 3X points on dining for a year.
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. Plus, earn 3X points on dining, including takeout and eligible delivery services, for the first year.
  • 6,000 bonus points after your Cardmember anniversary each year.
  • Earn 2 points per $1 spent on Southwest® purchases.
  • Earn 1 point per $1 spent on all other purchases.
  • No foreign transaction fees.
  • No blackout dates or seat restrictions.
  • Your points never expire, a benefit of the Rapid Rewards® program.

Deserve EDU

Credit Recommended:
Good/Limited
Get Started on Deserve secure website.
Credit Recommended:
Good/Limited
Annual Fee
$0
Credit Recommended
Good/Limited
Regular APR
18.74% Variable
Get Started on Deserve secure website.
Foreign Trans Fee
$0
Late Payment Fee
Up to $25, First Late Fee Waived
Return Check Fee
Up to $37

Highlights

  • Receive one year of Amazon Prime Student on Deserve after spending $500 in the first three billing cycles with your EDU card (Lifetime Value of $59).
  • Earn 1% Cash Back on all purchases with your Deserve EDU Mastercard. Once approved, you'll automatically start earning cash back on all purchases.
  • Feel secure with cell phone protection up to $600.
  • No deposit required. No annual fees.
  • No international transaction fees on purchases abroad so you can travel with confidence.
  • No Social Security Number required for international students to apply.
  • Refer A Friend Program: Refer anyone to Deserve using your personal referral code. Upon approval, card activation and use, you'll receive $30 and so will your referral. Referral bonuses are unlimited!
  • Manage and track your spending, set automatic payments and securely freeze your card all through one easy to use app.
  • See if you prequalify with no impact to your credit score in minutes.
  • Deserve Mastercards are issued by Celtic Bank, Member FDIC.
  • Enjoy Mastercard Platinum Benefits intended to make your life easier like Mastercard ID Theft Prevention™ and Master Rental®.
See additional details for Deserve EDU
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 plus 3X points on dining for a year.
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. Plus, earn 3X points on dining, including takeout and eligible delivery services, for the first year.
  • 7,500 bonus points after your Cardmember anniversary each year.
  • $75 Southwest® travel credit each year.
  • 4 Upgraded Boardings per year when available.
  • 20% back on inflight drinks and WiFi.
  • Earn 2 points per $1 spent on Southwest® purchases.
  • Earn 1 point per $1 spent on all other purchases.
  • No foreign transaction fees.

Petal® 2 "Cash Back, No Fees" Visa® Credit Card

Credit Recommended:
Excellent/Good/Limited/No Credit
Apply Now on WebBank secure website.
Credit Recommended:
Excellent/Good/Limited/No Credit
Annual Fee
$0
Credit Limit
$500 - $10,000
Regular APR
12.99% to 26.99% Variable
Apply Now on WebBank secure website.
Balance Transfer Fee
N/A
Product Type
Consumer
Credit Recommended
Excellent/Good/Limited/No Credit

Highlights

  • No fees whatsoever. No late fee, international fee, annual fee, or any-other-kind-of-fee, fee.
  • Up to 1.5% cash back after making 12 on-time monthly payments
  • 1% cash back on eligible purchases right away
  • 2% - 10% cash back from select merchants
  • $500 - $10,000 credit limits
  • Variable APRs 12.99% - 26.99%
  • Build credit alongside tens of thousands of Petal Card members
  • Cash flow technology may help applicants without credit history get approved
  • Petal's technology may analyze your bank account info (using read-only access) to provide a better look at your full financial picture
  • Petal's mobile app makes it easy to manage your money, track your spending, and automate payments
  • See if you're pre-approved within minutes without impacting your credit score
  • Petal reports to all 3 major credit bureaus
  • No deposits required
  • Card issued by WebBank, Member FDIC
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.