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Points Credit Cards for Excellent Credit

Points credit cards for excellent credit are the most lucrative points credit cards on the market (both in terms of rewards earned per dollar spent and initial bonuses), given that they are catered just to people with FICO scores above 720 (the most responsible credit users). While the points you earn with these cards can be redeemed for a variety of things, including cash, you will get the most bang for your buck by redeeming them for the goods or services most closely associated with the card’s branding. What’s more, since credit card companies tend to compete fiercely over…show more

    4 2,492 reviews

    Chase Sapphire Preferred® Card


    chase sapphire preferred
    • Purchase Intro APR Not Offered
    • Transfer Intro APR Not Offered
    • Regular APR 16.24% - 23.24% (V)
    • Annual Fee Intro Fee of $0 for 1st yr, $95 after
    • Rewards Rate 1 - 2 points / $1
    • Rewards Bonus 50,000 points
    • Minimum Credit Excellent
    • Rewards Details
    • Earn 50,000 bonus points when you spend $4,000 on purchases in the first 3 months from account opening. That's $625 in travel when you redeem through Chase Ultimate Rewards®
    • Named a 'Best Credit Card' for Travel Rewards by MONEY Magazine
    • 2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases
    • Sleek metal card design
    • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
    • 1:1 point transfer to leading frequent travel programs at full value – that means 1,000 Chase Ultimate Rewards points equal 1,000 partner miles/points
    • Additional Info
    • $0 foreign transaction fees, plus chip-enabled for enhanced security and wider acceptance when used at a chip card reader
    • Travel confidently with premium Travel Protection Benefits, including Trip Cancellation/Trip Interruption Insurance, Auto Rental Collision Damage Waiver, Trip Delay Reimbursement and more
    • See More Details & Reviews About The Chase Sapphire Preferred® Card
    4 244 reviews

    Premier Rewards Gold Card from American Express


    • Charge Card Balance must be paid in full each month
    • Regular Rate Not Applicable for Charge Cards
    • Annual Fee None 1st yr, $195 after
    • Rewards Rate 1 - 3 points / $1
    • Rewards Bonus 25,000 points
    • Minimum Credit Excellent
    • Rewards Details
    • Receive 25,000 Membership Rewards® Points after you spend $2,000 on purchases on your new Card in your first 3 months of Card Membership.
    • 3X points for flights booked directly with airlines. 2X points at US restaurants, US gas stations, and US supermarkets. 1X points on other purchases. Terms and limitations apply.
    • No matter where you’re traveling, when you use your Premier Rewards Gold Card there are no foreign transaction fees from American Express.
    • $100 Airline Fee Credit. Up to $100 a year in baggage fees and more at one airline.
    • Get a $75 hotel credit on qualifying charges, plus a room upgrade upon arrival, if available with The Hotel Collection at americanexpress.com/hc. Terms apply.
    • Terms and limitations apply.
    • Additional Info
    • There is a $0 introductory annual fee for the first year, then $195.
    • See More Details & Reviews About The Premier Rewards Gold Card from American Express
    4 258 reviews

    The Amex EveryDay® Credit Card from American Express


    • Purchase Intro APR 0% for 15 months
    • Transfer Intro APR 0% for 15 months 3% Transfer Fee
    • Regular APR 13.24% - 22.24% (V)
    • Annual Fee None
    • Rewards Rate 1 - 2 points / $1
    • Rewards Bonus 10,000 points
    • Minimum Credit Excellent
    • Rewards Details
    • Earn 10,000 Membership Reward® points after you use your new Card to make $1,000 in purchases within the first 3 months.
    • Earn 20% more points: Make 20 or more purchases with your Card in a billing period and get 20% extra points on those purchases less returns and credits. Terms and limitations apply.
    • 2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x); 1x points on other purchases. Terms and limitations apply.
    • You can use Membership Rewards® Pay with Points to pay for all or part of your flight, hotel booked and paid in advance, vacation or cruise booking.
    • Terms and limitations apply.
    • Additional Info
    • No annual fee. Plus, 0% intro APR on purchases and balance transfers for 15 months, then a variable rate, currently 13.24% to 22.24%, based on your creditworthiness and other factors.
    • See More Details & Reviews About The The Amex EveryDay® Credit Card from American Express
    4.5 304 reviews

    Starwood Preferred Guest® Credit Card from American Express


    • Purchase Intro APR Not Offered
    • Transfer Intro APR Not Offered
    • Regular APR 15.49% - 19.49% (V)
    • Annual Fee None 1st yr, $95 after
    • Rewards Rate 1 - 2 points / $1
    • Rewards Bonus 25,000 Starpoints
    • Minimum Credit Excellent
    • Rewards Details
    • Get 25,000 bonus Starpoints® after you use your new Card to make $3,000 in purchases within the first 3 months.
    • Receive free in-room, premium internet access. Booking requirements apply.
    • Enjoy complimentary, unlimited Boingo Wi-Fi on up to four devices at more than 1,000,000 Boingo hotspots worldwide. Enrollment required.
    • Get free nights at over 1,200 hotels and resorts in nearly 100 countries with no blackout dates. Some hotels may have mandatory service and resort charges.
    • Terms and Conditions apply.
    • Additional Info
    • No Foreign Transaction Fees on international purchases.
    • $0 introductory annual fee for the first year, then $95.
    • See More Details & Reviews About The Starwood Preferred Guest® Credit Card from American Express
    3.5 333 reviews

    Citi ThankYou® Preferred Card


    citi thank you preferred
    • Purchase Intro APR 0% for 15 months
    • Transfer Intro APR 0% for 15 months 3% (min $5) Transfer Fee
    • Regular APR 13.24% - 23.24% (V)
    • Annual Fee $0*
    • Rewards Rate 1 - 2 points / $1
    • Rewards Bonus None
    • Minimum Credit Excellent
    • Rewards Details
    • 2 ThankYou Points per dollar spent on dining at restaurants and entertainment.
    • 1 ThankYou Point on other purchases.
    • Points do not expire and earn unlimited Thank You Points.
    • Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more.
    • Additional Info
    • 0% Intro APR on Purchases and Balance Transfers for 15 months. After that, the variable APR will be 13.24%-23.24% based upon your creditworthiness*
    • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.*
    • Travel with ease and enjoy global acceptance with Chip Technology.
    • No annual fee.*
    • See More Details & Reviews About The Citi ThankYou® Preferred Card
    3.5 295 reviews

    Citi® Hilton HHonors™ Visa Signature® Card


    hilton hhonors credit card
    • Purchase Intro APR Not Offered
    • Transfer Intro APR Not Offered
    • Regular APR 15.49% - 19.49% (V)
    • Annual Fee None
    • Rewards Rate 2 - 6 points / $1
    • Rewards Bonus 40,000 points
    • Minimum Credit Excellent
    • Rewards Details
    • Earn 40,000 Hilton HHonors™ Bonus Points after making $1,000 in purchases within the first 4 months of account opening.
    • Earn 6 HHonors Bonus Points for each $1 spent at any participating hotel within the Hilton Portfolio*
    • Earn 3 HHonors Bonus Points for each $1 spent on purchases at supermarkets, drugstores and gas stations*
    • Earn 2 HHonors Bonus Points for each $1 spent on all other purchases*
    • Enjoy the benefits of HHonors Silver status as long as you are a cardmember*
    • Additional Info
    • No annual fee.*
    • See More Details & Reviews About The Citi® Hilton HHonors™ Visa Signature® Card
    3 161 reviews

    Citi® Hilton HHonors™ Reserve Card


    hilton reserve card
    • Purchase Intro APR Not Offered
    • Transfer Intro APR Not Offered
    • Regular APR 15.49% (V)
    • Annual Fee $95
    • Rewards Rate 3 - 10 points / $1
    • Rewards Bonus 2 Weekend Nights
    • Minimum Credit Excellent
    • Rewards Details
    • Earn 2 weekend night certificates good at select hotels and resorts within the Hilton portfolio after you make $2,500 in purchases within 4 months of account opening*
    • Earn 10 HHonors Bonus Points per $1 spent on hotel stays within the Hilton portfolio*
    • Earn 5 HHonors Bonus Points per $1 spent on airline and car rental purchases*
    • Earn 3 HHonors Bonus Points per $1 spent on all other eligible purchases*
    • Enjoy the benefits of HHonors Gold status as long as you are a cardmember*
    • Additional Info
    • No foreign transaction fees on purchases*
    • Travel with ease and enjoy global acceptance with your Citi chip credit card
    • See More Details & Reviews About The Citi® Hilton HHonors™ Reserve Card
    4 428 reviews

    The Platinum Card® from American Express


    • Charge Card Balance must be paid in full each month
    • Regular Rate Not Applicable for Charge Cards
    • Annual Fee $450
    • Rewards Rate 1 - 2 points / $1
    • Rewards Bonus 40,000 points
    • Minimum Credit Excellent
    • Rewards Details
    • Get 40,000 points after you use your new Card to make $3,000 in purchases in your first 3 months.
    • $200 Airline Fee Credit. Up to $200 a year in baggage fees and more at one airline.
    • There are no foreign transaction fees with your Platinum Card.
    • Enroll to enjoy the benefits of complimentary Hilton HHonors™ Gold Status.
    • Get reservations with Platinum Card® Concierge to enjoy an exquisite dining experience with the #AmexPlatinum Dining Program. Learn more.
    • Terms and limitations apply.
    • Additional Info
    • No interest charges because you pay your balance in full each month.
    • See More Details & Reviews About The The Platinum Card® from American Express
    3 55 reviews

    The Amex EveryDay® Preferred Credit Card from American Express


    • Purchase Intro APR 0% for 15 months
    • Transfer Intro APR 0% for 15 months 3% Transfer Fee
    • Regular APR 13.24% - 22.24% (V)
    • Annual Fee $95
    • Rewards Rate 1 - 3 points / $1
    • Rewards Bonus 15,000 points
    • Minimum Credit Excellent
    • Rewards Details
    • Earn 15,000 Membership Reward® points after you use your new Card to make $1,000 in purchases within the first 3 months.
    • Earn 50% more points: Make 30 or more purchases with your Card in a billing period and get 50% extra points on those purchases less returns and credits. Terms and limitations apply.
    • 3x points at US supermarkets on up to $6,000 per year in purchases (then 1x); 2x points at US gas stations; 1x points on other purchases. Terms and limitations apply.
    • You can use Membership Rewards® Pay with Points to pay for all or part of your flight, hotel booked and paid in advance, vacation or cruise booking through amextravel.com.
    • Terms and limitations apply.
    • Additional Info
    • 0% intro APR on purchases and balance transfers for 15 months, then a variable rate, currently 13.24% to 22.24%, based on your creditworthiness and other factors.
    • See More Details & Reviews About The The Amex EveryDay® Preferred Credit Card from American Express
    4 457 reviews

    Sony® Card from Capital One®


    sony card
    • Purchase Intro APR 0% until February 2017
    • Transfer Intro APR Not Offered
    • Regular APR 14.24% - 24.99% (V)
    • Annual Fee None
    • Rewards Rate 1 - 5 points / $1
    • Rewards Bonus 5,000 points
    • Minimum Credit Excellent
    • Rewards Details
    • Earn 5,000 bonus points after first purchase in your first 90 days
    • 5 points per $1 spent on Sony® purchases at authorized retailers, with purchase confirmation
    • 3 points per $1 spent on movie theaters, movie rentals, music downloads, and digital streaming and subscription services
    • 1 point per $1 spent on all other purchases
    • Redeem for Sony products, movies, music, & more
    • Additional Info
    • 0% intro APR on purchases until February 2017, 14.24% - 24.99% variable APR after that
    • No annual fee
    • See More Details & Reviews About The Sony® Card from Capital One®
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    Credit Score
    Excellent Credit 721 – 850
    Good Credit 661 – 720
    Fair Credit 620 – 660
    Bad Credit 300 – 619
    Limited Credit Less than 3 years
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