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Best Credit Cards for Excellent Credit

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Capital One Quicksilver Cash Rewards Credit Card
 

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4.5/5.0 from 549 Offer Ratings
Over the Past 60 Days!

(549) Over the Past 60 Days!
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on Capital One's secure site

  • Rewards Rate Unlimited 1.5% Cash Back on every purchase, every day; 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply)
  • Intro APR 0% intro on purchases for 15 months, then 16.49% - 26.49% (Variable). 0% intro on balance transfers for 15 months, then 16.49% - 26.49% (Variable)
  • Cash Back Details 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
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Mastercard®
  • Rewards Rate Unlimited 1.5% Cash Back on every purchase, every day; 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply)
  • Intro APR 0% intro on purchases for 15 months, then 16.49% - 26.49% (Variable). 0% intro on balance transfers for 15 months, then 16.49% - 26.49% (Variable)
  • Cash Back Details 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
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Mastercard®

Highlights

  • One-time $200 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
  • $0 annual fee and no foreign transaction fees
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • 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 and balance transfers for 15 months; 16.49%-26.49% variable APR after that
Citi® Diamond Preferred® Card
 

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5/5.0 from 370 Offer Ratings
Over the Past 60 Days!

(370) Over the Past 60 Days!
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  • Intro Purchase APR 0% for 12 months on Purchases
  • Intro Balance Transfer APR 0% for 21 months on Balance Transfers
  • Regular Purchase & BT APR 15.24% - 25.24% (Variable)
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Mastercard®
  • Intro Purchase APR 0% for 12 months on Purchases
  • Intro Balance Transfer APR 0% for 21 months on Balance Transfers
  • Regular Purchase & BT APR 15.24% - 25.24% (Variable)
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Mastercard®

Highlights

  • 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 15.24% - 25.24%, 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 5% 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.
  • The standard variable APR for Citi Flex Plan is 15.24% - 25.24%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.

See additional details for Citi® Diamond Preferred® Card

Discover it® Cash Back
 

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4.5/5.0 from 288 Offer Ratings
Over the Past 60 Days!

(288) Over the Past 60 Days!
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on Discover's secure site

Rates & Fees
  • 0% Intro APR 0% Intro APR for 15 months on purchases and Balance Transfers, then 13.49% - 24.49% Variable APR.
  • Rewards 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically
  • Cashback Match™ Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Discover
  • 0% Intro APR 0% Intro APR for 15 months on purchases and Balance Transfers, then 13.49% - 24.49% Variable APR.
  • Rewards 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically
  • Cashback Match™ Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Discover

Highlights

  • INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
  • Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • NEW! Discover helps remove your personal information from select people-search websites. Activate by mobile app for free.
  • Redeem cash back in any amount, any time. Rewards never expire.
  • NEW Intro APR: Get a 0% intro APR for 15 months on purchases. Then 13.49% to 24.49% Standard Variable Purchase APR applies, based on credit worthiness.
  • No annual fee.
  • Click "Apply Now" to see terms and conditions.

See additional details for Discover it® Cash Back

Wells Fargo Active Cash® Card
 

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4/5.0 from 360 Offer Ratings
Over the Past 60 Days!

(360) Over the Past 60 Days!
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on Wells Fargo's secure site

Rates & Fees
  • Sign Up Bonus Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months
  • Rewards Rate Earn unlimited 2% cash rewards on purchases
  • Extra Perks No categories to track or remember and cash rewards don't expire as long as your account remains open
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Visa®
  • Sign Up Bonus Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months
  • Rewards Rate Earn unlimited 2% cash rewards on purchases
  • Extra Perks No categories to track or remember and cash rewards don't expire as long as your account remains open
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Visa®

Highlights

  • Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months
  • Earn unlimited 2% cash rewards on purchases
  • 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 16.49%, 21.49%, or 26.49% variable APR; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5
  • $0 annual fee
  • No categories to track or remember and cash rewards don't expire as long as your account remains open
  • Enjoy a premium collection of benefits at a selection of the world's most intriguing and prestigious hotel properties with Visa Signature Concierge
  • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Active Cash® Card
  • Select “Apply Now” to learn more about the product features, terms and conditions

See additional details for Wells Fargo Active Cash® Card

Citi Custom Cash℠ Card
 

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5/5.0 from 171 Offer Ratings
Over the Past 60 Days!

(171) Over the Past 60 Days!
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on Citibank's secure site

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  • Sign-up Bonus Earn $200 in cash back after you spend $750 on purchases in the first 3 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
  • Rewards Rate Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
  • Intro APR 0% intro APR for 15 months on purchases and balance transfers, then 15.49% - 25.49% (Variable)
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Mastercard®
  • Sign-up Bonus Earn $200 in cash back after you spend $750 on purchases in the first 3 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
  • Rewards Rate Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
  • Intro APR 0% intro APR for 15 months on purchases and balance transfers, then 15.49% - 25.49% (Variable)
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Mastercard®

Highlights

  • Earn $200 in cash back after you spend $750 on purchases in the first 3 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
  • 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 15.49% - 25.49%, based on your creditworthiness.
  • Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
  • No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
  • No Annual Fee
  • Citi will only issue one Citi Custom Cash℠ Card account per person.

See additional details for Citi Custom Cash℠ Card

BankAmericard® credit card
 

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4.5/5.0 from 208 Offer Ratings
Over the Past 60 Days!

(208) Over the Past 60 Days!
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on Bank of America's secure site

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  • Intro APRs See Terms
  • No Penalty APR Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply.
  • Build Credit Access your FICO® Score for free within Online Banking or your Mobile Banking app
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Mastercard®
  • Intro APRs See Terms
  • No Penalty APR Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply.
  • Build Credit Access your FICO® Score for free within Online Banking or your Mobile Banking app
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Mastercard®

Highlights

  • $100 statement credit online bonus after making at least $1,000 in purchases in the first 90 days of account opening. 
  • No annual fee. 
  • No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply.
  • Access your FICO® Score for free within Online Banking or your Mobile Banking app. 
  • Contactless Cards - The security of a chip card, with the convenience of a tap. 
  • This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

 

See additional details for BankAmericard® credit card

Bank of America® Customized Cash Rewards credit card
 

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5/5.0 from 156 Offer Ratings
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  • Intro APRs See Terms
  • Sign Up Bonus $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
  • Rewards Rate 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Visa®
  • Intro APRs See Terms
  • Sign Up Bonus $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
  • Rewards Rate 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Visa®

Highlights

  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
  • Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.
  • If you're a Preferred Rewards member, you can earn 25% - 75% more cash back on every purchase. That means you could earn up to 5.25% cash back on purchases in your choice category. 
  • No annual fee and no expiration on rewards. 
  • Contactless Cards - The security of a chip card, with the convenience of a tap. 
  • This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
Citi® Double Cash Card – 18 month BT offer
 

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5/5.0 from 93 Offer Ratings
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  • Rewards Rate Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • Intro Balance Transfer APR 0% for 18 months on Balance Transfers
  • Regular Purchase & BT APR 15.49% - 25.49% (Variable)
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Mastercard®
  • Rewards Rate Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • Intro Balance Transfer APR 0% for 18 months on Balance Transfers
  • Regular Purchase & BT APR 15.49% - 25.49% (Variable)
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Mastercard®

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 Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 15.49% - 25.49%, based on your creditworthiness.
  • 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 an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
  • The standard variable APR for Citi Flex Plan is 15.49% - 25.49%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
Blue Cash Everyday® Card from American Express
 

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4/5.0 from 71 Offer Ratings
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Rates & Fees

Terms Apply

  • Buy Now, Pay Later Intro Offer Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 plan fees on plans created during the first 15 months after account opening. Plans created after that will have a monthly plan fee up to 1.33% of each purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
  • Bonus Cash Back 3% at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
  • Rewards Rates 2% cash back at U.S. gas stations and 1% back on other purchases.
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand American Express
  • Buy Now, Pay Later Intro Offer Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 plan fees on plans created during the first 15 months after account opening. Plans created after that will have a monthly plan fee up to 1.33% of each purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
  • Bonus Cash Back 3% at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
  • Rewards Rates 2% cash back at U.S. gas stations and 1% back on other purchases.
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand American Express

Highlights

  • Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
  • Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 plan fees on plans created during the first 15 months after account opening. Plans created after that will have a monthly plan fee up to 1.33% of each purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
  • Low intro APR: 0% for 15 months on purchases from the date of account opening, then a variable rate, 15.49% to 25.49%.
  • 3% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% Cash Back at U.S. gas stations.
  • 1% Cash Back on other purchases.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits.
  • No annual fee.
  • Terms Apply.
Citi Simplicity® Card
 

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4.5/5.0 from 99 Offer Ratings
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  • Intro Purchase APR 0% for 12 months on Purchases
  • Intro BT APR 0% for 21 months on Balance Transfers
  • Regular Purchase & BT APR 16.24% - 26.24% (Variable)
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Mastercard®
  • Intro Purchase APR 0% for 12 months on Purchases
  • Intro BT APR 0% for 21 months on Balance Transfers
  • Regular Purchase & BT APR 16.24% - 26.24% (Variable)
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Mastercard®

Highlights

  • No Late Fees, No Penalty Rate, and No Annual Fee... Ever
  • 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 16.24% - 26.24%, 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 5% of the amount of each transfer, whichever is greater.
  • The standard variable APR for Citi Flex Plan is 16.24% - 26.24%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
  • Stay protected with Citi® Quick Lock and $0 liability on unauthorized charges

See additional details for Citi Simplicity® Card

Discover it® chrome
 

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4/5.0 from 23 Offer Ratings
Over the Past 60 Days!

(23) Over the Past 60 Days!
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on Discover's secure site

Rates & Fees
  • Intro APR 0% Intro APR for 15 months on purchases and balance transfers, then 13.49% - 24.49% Variable APR
  • Rewards Rate 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. 1% unlimited cash back on all other purchases - automatically
  • Ongoing APR 13.49% - 24.49% Variable APR*
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Discover
  • Intro APR 0% Intro APR for 15 months on purchases and balance transfers, then 13.49% - 24.49% Variable APR
  • Rewards Rate 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. 1% unlimited cash back on all other purchases - automatically
  • Ongoing APR 13.49% - 24.49% Variable APR*
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Discover

Highlights

  • INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
  • Earn cash back on your next road trip with 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • NEW! Discover helps remove your personal information from select people-search websites. Activate by mobile app for free.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • NEW Intro APR: Get a 0% intro APR for 15 months on purchases. Then 13.49% - 24.49% Standard Variable Purchase APR applies, based on credit worthiness.
  • No annual fee.
  • Click "Apply Now" to see terms and conditions.

See additional details for Discover it® chrome

Discover it® Miles
 

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4.5/5.0 from 191 Offer Ratings
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on Discover's secure site

Rates & Fees
  • Bonus Miles Only Discover gives you an unlimited match of all the Miles you’ve earned at the end of your first year. For example, if you earn 35,000 Miles, you get 70,000 Miles. There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.
  • Rewards Rate Automatically earn unlimited 1.5x Miles on every dollar of every purchase - with no annual fee.
  • 0% Intro APR 0% Intro APR for 15 months on purchases, then 13.49% - 24.49% Variable APR
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Discover
  • Bonus Miles Only Discover gives you an unlimited match of all the Miles you’ve earned at the end of your first year. For example, if you earn 35,000 Miles, you get 70,000 Miles. There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.
  • Rewards Rate Automatically earn unlimited 1.5x Miles on every dollar of every purchase - with no annual fee.
  • 0% Intro APR 0% Intro APR for 15 months on purchases, then 13.49% - 24.49% Variable APR
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Discover

Highlights

  • UNLIMITED BONUS: Only Discover gives you an unlimited match of all the Miles you’ve earned at the end of your first year. For example, if you earn 35,000 Miles, you get 70,000 Miles.  There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.
  • Automatically earn unlimited 1.5x Miles on every dollar of every purchase - with no annual fee.
  • Redeem Miles to pay any part of your monthly bill, including your minimum payment.
  • Turn Miles into cash in any amount, any time. Or redeem as a statement credit for travel purchases like airfare, hotels, rideshares, gas stations, restaurants and more with no blackout dates. However you redeem, Miles keep the same value. And Miles never expire.
  • New Intro APR: 0% intro APR for 15 months on purchases. Then 13.49% - 24.49% Standard Variable Purchase APR will apply.
  • NEW! Discover helps remove your personal information from select people-search websites. Activate by mobile app for free.
  • Discover is accepted nationwide by 99% of the places that take credit cards.
  • 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 an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • Click "Apply Now" to see terms and conditions.

See additional details for Discover it® Miles

U.S. Bank Altitude® Connect Visa Signature® Card
 

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4/5.0 from 32 Offer Ratings
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(32) Over the Past 60 Days!
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on U.S. Bank's secure site

Rates & Fees
  • Sign-Up Bonus Earn 50,000 bonus points when you spend $2,000 in eligible purchases within the first 120 days of account opening. That's a $500 value redeemable towards travel, gift cards, cash back, merchandise and more.
  • Rewards Rate Earn 5X points on prepaid hotels and car rentals booked directly in the Altitude Rewards Center. Earn 4X points on travel, gas stations, and EV charging stations. Earn 2X points at grocery stores, grocery delivery, dining and on streaming services. Plus, a $30 credit for annual streaming purchases like Netflix, Hulu, Spotify®, Apple Music, Disney+, HBO Max and more!
  • Extra Perks Receive up to $100 in statement credits for reimbursement toward your TSA PreCheck ® or Global Entry® application fee once every four years.
  • Annual Fee $0 introductory annual fee for the first 12 months, after that $95.
  • Credit Needed Excellent/Good
  • Card Brand Visa®
  • Sign-Up Bonus Earn 50,000 bonus points when you spend $2,000 in eligible purchases within the first 120 days of account opening. That's a $500 value redeemable towards travel, gift cards, cash back, merchandise and more.
  • Rewards Rate Earn 5X points on prepaid hotels and car rentals booked directly in the Altitude Rewards Center. Earn 4X points on travel, gas stations, and EV charging stations. Earn 2X points at grocery stores, grocery delivery, dining and on streaming services. Plus, a $30 credit for annual streaming purchases like Netflix, Hulu, Spotify®, Apple Music, Disney+, HBO Max and more!
  • Extra Perks Receive up to $100 in statement credits for reimbursement toward your TSA PreCheck ® or Global Entry® application fee once every four years.
  • Annual Fee $0 introductory annual fee for the first 12 months, after that $95.
  • Credit Needed Excellent/Good
  • Card Brand Visa®

Highlights

  • Intro Offer: Earn 50,000 bonus points when you spend $2,000 in eligible purchases within the first 120 days of account opening. That's a $500 value redeemable towards travel, gift cards, cash back, merchandise and more.
  • 5X points on prepaid hotels and car rentals booked directly in the Altitude Rewards Center.
  • 4X points on travel, gas stations, and EV charging stations.
  • 2X points on streaming services. Plus, a $30 credit for annual streaming purchases like Netflix, Hulu, Spotify®, Apple Music, Disney+, HBO Max and more!
  • 2X points at grocery stores, grocery delivery, and dining.
  • Receive up to $100 in statement credits for reimbursement toward your TSA PreCheck® or Global Entry® application fee once every four years.
  • 1X point on all other eligible purchases.
  • Points never expire.
  • Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.
  • Terms and conditions apply.
Capital One SavorOne Cash Rewards Credit Card
 

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4.5/5.0 from 64 Offer Ratings
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(64) Over the Past 60 Days!
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on Capital One's secure site

  • Rewards Rate 3% Cash Back on dining and entertainment; 3% Cash Back on popular streaming services; 3% Cash Back at grocery stores; 1% Cash Back on all other purchases. Earn 8% cash back on Capital One Entertainment purchases and tickets at Vivid Seats
  • Sign Up Bonus Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Cash Back Details 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
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Mastercard®
  • Rewards Rate 3% Cash Back on dining and entertainment; 3% Cash Back on popular streaming services; 3% Cash Back at grocery stores; 1% Cash Back on all other purchases. Earn 8% cash back on Capital One Entertainment purchases and tickets at Vivid Seats
  • Sign Up Bonus Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Cash Back Details 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
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Mastercard®

Highlights

  • Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • Earn 8% cash back on Capital One Entertainment purchases and tickets at Vivid Seats
  • 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 and balance transfers for 15 months; 16.49% - 26.49% variable APR after that
  • No foreign transaction fee
  • No annual fee
Capital One Venture Rewards Credit Card
 

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4.5/5.0 from 115 Offer Ratings
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(115) Over the Past 60 Days!
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on Capital One's secure site

  • Bonus Miles Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
  • Rewards Rate 2 Miles per dollar on every purchase, every day; 5 Miles on hotels and rental cars booked through Capital One Travel; 5 Miles per dollar when you book on Turo, the world’s largest car sharing marketplace, through May 16, 2023
  • Extra Perks Receive up to $100 application fee credit for Global Entry or TSA PreCheck®
  • Annual Fee $95
  • Credit Needed Excellent/Good
  • Card Brand Visa®
  • Bonus Miles Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
  • Rewards Rate 2 Miles per dollar on every purchase, every day; 5 Miles on hotels and rental cars booked through Capital One Travel; 5 Miles per dollar when you book on Turo, the world’s largest car sharing marketplace, through May 16, 2023
  • Extra Perks Receive up to $100 application fee credit for Global Entry or TSA PreCheck®
  • Annual Fee $95
  • Credit Needed Excellent/Good
  • Card Brand Visa®

Highlights

  • Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
  • Earn unlimited 2X miles on every purchase, every day
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®
  • Enjoy two complimentary visits per year to Capital One Lounges or to 100+ Plaza Premium Lounges through our Partner Lounge Network
  • Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
  • Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
  • Transfer your miles to your choice of 15+ travel loyalty programs
Citi Premier® Card
 

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4.5/5.0 from 23 Offer Ratings
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(23) Over the Past 60 Days!
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on Citibank's secure site

  • Rewards Rate Earn 3X points per $1 spent at restaurants, supermarkets, gas stations, air travel and hotels and 1X per $1 spent on all other purchases
  • Sign Up Bonus For a limited time, earn 80,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
  • Extra Perks No Foreign Transaction Fees
  • Annual Fee $95
  • Credit Needed Excellent/Good
  • Card Brand Mastercard®
  • Rewards Rate Earn 3X points per $1 spent at restaurants, supermarkets, gas stations, air travel and hotels and 1X per $1 spent on all other purchases
  • Sign Up Bonus For a limited time, earn 80,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
  • Extra Perks No Foreign Transaction Fees
  • Annual Fee $95
  • Credit Needed Excellent/Good
  • Card Brand Mastercard®

Highlights

  • For a limited time, earn 80,000 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
  • 80,000 Points are redeemable for $800 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

Capital One VentureOne Rewards Credit Card
 

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4/5.0 from 11 Offer Ratings
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(11) Over the Past 60 Days!
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on Capital One's secure site

  • Bonus Miles 20,000 miles with minimum spending requirement
  • Rewards Rate 1.25 Miles per dollar on every purchase, every day; 5 Miles on hotels and rental cars booked through Capital One Travel
  • Rates & Fees 3% Balance Transfer Fee, $0 annual fee, and no foreign transaction fee
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Mastercard®
  • Bonus Miles 20,000 miles with minimum spending requirement
  • Rewards Rate 1.25 Miles per dollar on every purchase, every day; 5 Miles on hotels and rental cars booked through Capital One Travel
  • Rates & Fees 3% Balance Transfer Fee, $0 annual fee, and no foreign transaction fee
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Mastercard®

Highlights

  • $0 annual fee and no foreign transaction fees
  • Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
  • Earn unlimited 1.25X miles on every purchase, every day
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
  • Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
  • Transfer your miles to your choice of 15+ travel loyalty programs
  • Enjoy 0% intro APR on purchases and balance transfers for 15 months; 16.49% - 26.49% variable APR after that
Citi Rewards+® Card
 

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5/5.0 from 45 Offer Ratings
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(45) Over the Past 60 Days!
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on Citibank's secure site

  • Intro Purchase APR 0% for 15 months
  • Sign Up Bonus Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com
  • Regular Purchase APR 14.99% - 24.99% (Variable)
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Mastercard®
  • Intro Purchase APR 0% for 15 months
  • Sign Up Bonus Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com
  • Regular Purchase APR 14.99% - 24.99% (Variable)
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Mastercard®

Highlights

  • Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com
  • For a limited time, earn 5 ThankYou® Points per $1 spent on air travel and hotels up to $6,000 in the first 12 months and then 1 ThankYou® Points per $1 spent thereafter.
  • 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 14.99% - 24.99%, based on your creditworthiness. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
  • The Citi Rewards+® Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
  • 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 14.99% - 24.99%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi’s discretion.

See additional details for Citi Rewards+® Card

Bank of America® Premium Rewards® credit card
 

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4/5.0 from 9 Offer Ratings
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(9) Over the Past 60 Days!
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on Bank of America's secure site

  • Sign Up Bonus 50,000 online bonus points - a $500 value - after you make at least $3,000 in purchases in the first 90 days of account opening.
  • Rewards Rate 2 points for every $1 spent on travel and dining purchases and unlimited 1.5 points per $1 spent on all other purchases.
  • Extra Perks Get up to $100 in Airline Incidental Statement Credits annually and TSA PreCheck®/Global Entry Statement Credits of up to $100, every four years
  • Annual Fee $95
  • Credit Needed Excellent/Good
  • Card Brand Visa®
  • Sign Up Bonus 50,000 online bonus points - a $500 value - after you make at least $3,000 in purchases in the first 90 days of account opening.
  • Rewards Rate 2 points for every $1 spent on travel and dining purchases and unlimited 1.5 points per $1 spent on all other purchases.
  • Extra Perks Get up to $100 in Airline Incidental Statement Credits annually and TSA PreCheck®/Global Entry Statement Credits of up to $100, every four years
  • Annual Fee $95
  • Credit Needed Excellent/Good
  • Card Brand Visa®

Highlights

  • Receive 50,000 online bonus points - a $500 value - after you make at least $3,000 in purchases in the first 90 days of account opening.
  • Earn unlimited 2 points for every $1 spent on travel and dining purchases and unlimited 1.5 points for every $1 spent on all other purchases.
  • If you're a Bank of America Preferred Rewards member, you can earn 25%-75% more points on every purchase. That means you could earn up to 3.5 points for every $1 spent on travel and dining purchases.
  • No limit to the points you can earn and your points don't expire.
  • Redeem for cash back as a statement credit, deposit into eligible Bank of America® accounts, credit to eligible Merrill® accounts, or gift cards or purchases at the Bank of America Travel Center.
  • Get up to $100 in Airline Incidental Statement Credits annually and TSA PreCheck®/Global Entry Statement Credits of up to $100, every four years. 
  • No foreign transaction fees.
  • Low $95 annual fee.
  • This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

*General Disclaimer: See the online credit card application for details about terms and conditions. We make every effort to maintain accurate information. However, all credit card information is presented without warranty. To confirm terms and conditions, click the "Apply Now" button and review info on the secure credit card terms page.

Best Credit Card for Excellent Credit Holders

Those who have exceptionally good credit may want to apply for the best credit cards that especially cater to people with above average credit scores and stellar credit histories. Credit card companies will usually offer special perks, features, interest rates, and other preferential service to those who qualify for top credit cards.

By federal law you are allowed to access your credit reporting files free of charge once a year. For a small fee you can see them more than once per year and can also gain access to your FICO score – which is commonly referred to as your credit score. Credit scores for excellent credit range from 700 to 850 and are determined by using a proprietary algorithm which factors in several components of credit worthiness. If your score is above 700 that’s quite good and for most issuers is considered excellent.

To maintain your high rating follow the tips on how to preserve your credit. If you need help to improve your credit score to qualify for an excellent credit credit card, then take advantage of the many free, user-friendly financial management resources, articles, and tools that we offer. Once you have earned excellent credit you have a wide range of reward card options as well as promotional 0 percent introductory APRs which come with very attractive ongoing interest rates – typically around 12%.


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