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Credit Cards for Excellent Credit

Credit cards for excellent credit are typically the most attractive offers on the market, targeted to people with a spotless financial track record, which usually means a credit score above 720. Credit cards for excellent credit (certain offers shown below are from CardHub sponsors) not only provide the most lucrative ongoing rewards and the lowest interest rates, but they also offer the best initial perks – including rewards bonuses worth hundreds of dollars and 0% introductory rates on purchases or balance transfers.

If you’re not sure whether you have excellent credit, try CardHub’s Free Credit Estimator. Alternatively, it is likely…show more

    3.5 3,100 reviews

    Capital One® VentureOne® Rewards Credit Card


    capital one ventureone
    • Purchase Intro APR 0% for 12 months
    • Transfer Intro APR Not Offered
    • Regular APR 12.24% - 22.24% (V)
    • Annual Fee None
    • Rewards Rate 1.25 miles / $1
    • Rewards Bonus 20,000 miles
    • Minimum Credit Good
    • Rewards Details
    • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within the first 3 months, equal to $200 in travel
    • Earn unlimited 1.25 miles per dollar on every purchase, every day and pay no annual fee
    • Fly any airline, stay at any hotel, anytime
    • Travel when you want with no blackout dates
    • Miles don’t expire and there’s no limit to how many you can earn
    • Additional Info
    • Enjoy a low intro APR on purchases for 12 months; 12.24%-22.24% variable APR after that
    • No foreign transaction fees
    • Fraud Coverage - $0 Fraud Liability if your card is ever lost or stolen
    • Warranty Manager/Extended Protection - provides you with valuable features to help manage, use, and even extend warranties of items purchased with your card.
    • Auto rental insurance - use your card to rent an eligible vehicle and you’re covered for collision, damage, and loss
    • See More Details & Reviews About The Capital One® VentureOne® Rewards Credit Card
    4 1,448 reviews

    Citi Simplicity® Card – No Late Fees Ever


    citi simplicity
    • Purchase Intro APR 0% for 21 months
    • Transfer Intro APR 0% for 21 months 3% (min $5) Transfer Fee
    • Regular APR 13.24% - 23.24% (V)
    • Annual Fee $0*
    • Rewards Rate None
    • Minimum Credit Excellent
    • Rewards Details
    • Additional Info
    • The ONLY card with No Late Fees, No Penalty Rate and No Annual Fee…EVER
    • 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the variable APR will be 13.24% - 23.24% based on your creditworthiness.
    • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
    • The same great rate for all balances, after the introductory period.
    • Save time when you call with fast, personal help, 24 hours a day – just say “representative”.
    • Enjoy the convenience of setting up your own bill payment schedule on any available due date throughout the month.
    • See More Details & Reviews About The Citi Simplicity® Card – No Late Fees Ever
    3.5 916 reviews

    Citi® Double Cash Card – 18 month BT offer


    citi double cash card
    • Purchase Intro APR Not Offered
    • Transfer Intro APR 0% for 18 months 3% (min $5) Transfer Fee
    • Regular APR 13.24% - 23.24% (V)
    • Annual Fee $0*
    • Rewards Rate 1% + 1% Cash Back
    • Rewards Bonus None
    • Minimum Credit Good
    • Rewards Details
    • Earn cash back twice on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
    • No categories to track, no caps on cash back, no annual fee*
    • Additional Info
    • Balance Transfers do not earn cash back
    • 0% Intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.24% - 23.24% based on your creditworthiness
    • Click 'Apply Now' to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases.
    • See More Details & Reviews About The Citi® Double Cash Card – 18 month BT offer
    3.5 3,256 reviews

    Capital One® Quicksilver® Cash Rewards Credit Card


    capital one quicksilver
    • Purchase Intro APR 0% for 9 months
    • Transfer Intro APR 0% for 9 months 3% Transfer Fee
    • Regular APR 13.24% - 23.24% (V)
    • Annual Fee None
    • Rewards Rate 1.5% Cash Back
    • Rewards Bonus $100
    • Minimum Credit Good
    • Rewards Details
    • One-time $100 cash bonus after you spend $500 on purchases within the first 3 months
    • 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 doesn’t expire and there’s no limit to how much you can earn
    • Additional Info
    • 0% intro APR on purchases for 9 months; 13.24%-23.24% variable APR after that
    • Balance transfers also have a 0% intro APR for 9 months; 13.24%-23.24% variable APR after that; a 3% fee applies to each balance transferred
    • Pay no annual fee or foreign transaction fees
    • See More Details & Reviews About The Capital One® Quicksilver® Cash Rewards Credit Card
    3.5 1,844 reviews

    Chase Slate®


    chase slate
    • Purchase Intro APR 0% for 15 months
    • Transfer Intro APR 0% for 15 months $0 Intro Transfer Fee
    • Regular APR 13.24% - 23.24% (V)
    • Annual Fee $0
    • Rewards Rate None
    • Minimum Credit Good
    • Rewards Details
    • Additional Info
    • Chase Slate named "Best Credit Card for Balance Transfers" three years in a row by MONEY Magazine
    • $0 Introductory balance transfer fee for transfers made during the first 60 days of account opening
    • 0% Introductory APR for 15 months on purchases and balance transfers
    • Monthly FICO® Score and Credit Dashboard for free
    • No Penalty APR – Paying late won't raise your interest rate (APR). All other account pricing and terms apply
    • $0 Annual Fee
    • See More Details & Reviews About The Chase Slate®
    3.5 1,568 reviews

    Blue Cash Everyday® Card from American Express


    • Purchase Intro APR 0% for 12 months
    • Transfer Intro APR 0% for 12 months 3% Transfer Fee
    • Regular APR 13.24% - 23.24% (V)
    • Annual Fee None
    • Rewards Rate 1 - 3% Cash Back
    • Rewards Bonus $100
    • Minimum Credit Excellent
    • Rewards Details
    • Earn $100 back after you spend $1,000 in purchases on your new Card in your first 3 months. You will receive cash back in the form of statement credits.
    • Earn Cash Back: 3% at U.S. supermarkets on up to $6,000 per year in purchases, 2% at U.S. gas stations & select U.S. dept stores, 1% on other purchases. Terms and limitations apply.
    • Simple and straightforward: With the Blue Cash Everyday Card, you can start earning cash back. No rotating reward categories. No enrollment required.
    • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit. Cash back is earned only on eligible purchases.
    • Terms and Conditions apply.
    • Additional Info
    • No annual fee. Plus, 0% intro APR on purchases and balance transfers for 12 months, then a variable rate, currently 13.24% to 23.24%, based on your creditworthiness and other factors.
    • See More Details & Reviews About The Blue Cash Everyday® Card from American Express
    3.5 407 reviews

    Barclaycard Arrival™ World MasterCard®


    barclaycard arrival
    • Purchase Intro APR Not Offered
    • Transfer Intro APR 0% for 12 months 3% Transfer Fee
    • Regular APR 16.24% - 24.24% (V)
    • Annual Fee None
    • Rewards Rate 1 - 2 miles / $1
    • Rewards Bonus 20,000 miles
    • Minimum Credit Good
    • Rewards Details
    • Earn 20,000 bonus miles after you spend $1,000 on purchases in the first 90 days — that's enough to redeem for a $200 travel statement credit
    • Earn 2X miles on travel & dining and 1X miles on all other purchases
    • Get 5% miles back to use toward your next redemption, every time you redeem for travel statement credits
    • Additional Info
    • Chip card technology, so paying for your purchases is more secure at chip-card terminals in the U.S. and abroad
    • No foreign transaction fees on anything you buy while in another country
    • 0% introductory APR for 12 months for each Balance Transfer made within 45 days of account opening. After that, a variable APR currently 16.24%, 20.24% or 24.24%, depending on your creditworthiness.
    • Complimentary online FICO® Credit Score access for Barclaycard Arrival cardmembers
    • See More Details & Reviews About The Barclaycard Arrival™ World MasterCard®
    4.5 2,589 reviews

    Barclaycard Arrival Plus™ World Elite MasterCard®


    barclaycard arrival plus
    • Purchase Intro APR Not Offered
    • Transfer Intro APR 0% for 12 months 3% Transfer Fee
    • Regular APR 16.24% - 20.24% (V)
    • Annual Fee None 1st yr, $89 after
    • Rewards Rate 2 miles / $1
    • Rewards Bonus 40,000 miles
    • Minimum Credit Good
    • Rewards Details
    • Earn 40,000 bonus miles when you spend $3,000 on purchases in the first 90 days — that's enough to redeem for a $400 travel statement credit
    • Earn 2X miles on all purchases
    • Get 5% miles back to use toward your next redemption, every time you redeem for travel statement credits
    • Additional Info
    • Chip card technology, so paying for your purchases is more secure at chip-card terminals in the U.S. and abroad
    • No foreign transaction fees on anything you buy while in another country
    • 0% introductory APR for 12 months for each Balance Transfer made within 45 days of account opening. After that, a variable APR will apply, currently 16.24% or 20.24%, depending on your creditworthiness.
    • Complimentary online FICO® Credit Score access for Barclaycard Arrival cardmembers
    • See More Details & Reviews About The Barclaycard Arrival Plus™ World Elite MasterCard®
    4 1,620 reviews

    Capital One® Venture® Rewards Credit Card


    capital one venture
    • Purchase Intro APR Not Offered
    • Transfer Intro APR Not Offered
    • Regular APR 13.24% - 23.24% (V)
    • Annual Fee $0 for 1st yr, $59 after
    • Rewards Rate 2 miles / $1
    • Rewards Bonus 40,000 miles
    • Minimum Credit Good
    • Rewards Details
    • Enjoy a one-time bonus of 40,000 miles once you spend $3,000 on purchases within the first 3 months, equal to $400 in travel
    • Earn unlimited 2X miles per dollar on every purchase, every day
    • Fly any airline, stay at any hotel, anytime
    • Travel when you want with no blackout dates
    • Miles don't expire and there’s no limit to how many you can earn
    • Additional Info
    • No foreign transaction fees
    • $0 intro annual fee for the first year; $59 after that
    • Fraud Coverage - You're covered by $0 Fraud Liability if your card is ever lost or stolen
    • Travel upgrades and savings - Receive complimentary upgrades and special savings at hotels, resorts, and spas with your Visa Signature® card.
    • Complimentary concierge service - Enjoy assistance 24 hours a day, from home and when you travel, with Visa Signature® Concierge.
    • Special access to events - Your Visa Signature® card gets you special access and preferred seating at popular sporting events, premier golf outings, and concerts.
    • Travel & Emergency Assistance - Available 24/7 to help connect you with local emergency and assistance resources when you're away from home
    • Emergency Card Services - If your credit card is lost or stolen, you can get an emergency card replacement and a cash advance.
    • Auto Rental Insurance - use your card to rent an eligible vehicle and you’re covered for collision, damage, and loss
    • See More Details & Reviews About The Capital One® Venture® Rewards Credit Card
    4 2,060 reviews

    Chase Freedom®


    chase freedom
    • Purchase Intro APR 0% for 15 months
    • Transfer Intro APR 0% for 15 months 5% (min $5) Transfer Fee
    • Regular APR 14.24% - 23.24% (V)
    • Annual Fee $0
    • Rewards Rate 1 - 5% Cash Back
    • Rewards Bonus $150
    • Minimum Credit Excellent
    • Rewards Details
    • Earn a $150 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
    • Unlimited 1% cash back on all other purchases – it’s automatic
    • Enjoy new 5% categories every 3 months like gas stations, restaurants, select grocery stores, and wholesale clubs
    • Cash Back rewards never expire as long as your account is open
    • Additional Info
    • 0% Intro APR for 15 months on purchases and balance transfers. After the intro period, a variable APR of 14.24-23.24%. Balance transfer fee is 5% of the amount transferred, $5 minimum
    • No Annual Fee
    • See More Details & Reviews About The Chase Freedom®
    X
    Credit Score
    Excellent Credit 721 – 850
    Good Credit 661 – 720
    Fair Credit 620 – 660
    Bad Credit 300 – 619
    Limited Credit Less than 3 years
    of credit history

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    Expert’s Answers

    What makes credit cards for excellent credit different from other cards?

    By: John Kiernan, Personal Finance EditorSimply put, credit cards for excellent credit differ from other credit cards as a result of only being available to people who have extensive, spotless credit histories as well as incomes high enough to justify opening a new credit card with a limit of at least $10,000. They have lower rates and higher rewards because issuers don’t have to be as concerned about users not paying their bills. In addition, excellent credit credit cards tend to have introductory rewards bonuses and 0% APR offers because credit card companies need a way to attract people in this elite consumer segment, who are in high demand. Consumers with excellent credit also benefit from the fact that banks are eager to establish long-term relationships with them in hopes of garnering their business in other areas (investing, retirement, etc.)

    What are the best credit cards for people with excellent credit?

    By: Odysseas Papadimitriou, CardHub CEOThere is no single best credit card for excellent credit. Every consumer’s needs are different, which means the credit card that will best serve their needs will be different as well. However, generally speaking, people with excellent credit have one of two primary credit card needs: minimizing interest or maximizing rewards. If you do not pay your bill in full and need to lower the cost of your debt, a 0% balance transfer credit card would be the best excellent credit credit card for you. If you need to finance an upcoming big-ticket purchase, a credit card with 0% on purchases would be ideal. And if you always pay your bill in full, the best rewards credit card for your biggest expenses or a cash back credit card with a high earning rate across all purchases are the best bets.

    What portion of people qualify for an excellent credit credit card?

    By: Odysseas Papadimitriou, CardHub CEOWhile it’s commonly believed that only a small portion of U.S. consumers qualify for excellent credit credit cards, Card Hub estimates that between 25% and 50% of the U.S. adult population actually meet this criteria. The exact proportion is hard to quantify for a number of reasons, including the fact that every credit card company uses its own underwriting methods and your FICO score isn’t the only determining factor of whether or not you can qualify for a credit card for excellent credit. Things like income and amount of existing debt are actually as important as well.

    What happens if I don’t have excellent credit and apply for an excellent credit credit card anyway?

    By: John Kiernan, Personal Finance EditorEvery time you apply and are rejected for a credit card, your credit score incurs a slight amount of damage, the effects of which last for a period of about six months. Since this could make it difficult to get a credit card that truly does meet your credit standing and will actually delay you in building the credit necessary to get an excellent credit credit card, applying for a credit card for excellent credit prematurely is ill-advised. If you aren’t sure whether you have excellent credit, it’s therefore a good idea to at least use a free credit estimator before submitting an application.

    How long does it take to get excellent credit?

    By: John Kiernan, Personal Finance EditorThe amount of time it takes to get excellent credit varies based on your starting point. Are you building credit from scratch; did you damage it in the past; or do you currently have fair or even good credit? As a general rule of thumb, in addition to five years of spotless credit history, you need to have used credit cards with increasing credit lines (to the point that your current credit has a $10,000 limit) in order to get an excellent credit credit card. Income is equally important. You must have an income that can support any purchases you will make with a new line of credit.

    Why do some credit cards for excellent credit have annual fees?

    By: Odysseas Papadimitriou, CardHub CEOIt might strike you as odd that a portion of credit cards for people with excellent credit often have annual fees, which can run into the hundreds of dollars. Rewards are higher with these cards and rates are lower, so do annual fees remain? The reason is that some people in this credit segment are willing to pay an annual fee in return for better rewards and other fringe benefits (e.g. concierge service, access to exclusive events, etc.). Issuers can only give away a certain amount of free stuff, so they implement annual fees to offset some of the cost. That’s why you may find that the cards offering the most valuable rewards have annual fees, and consumers who open them accept this tradeoff.

    Credit cards for excellent credit vs. Charge cards

    By: John Kiernan, Personal Finance EditorSince charge cards are mainly for people with excellent credit, the difference between them and excellent credit credit cards revolves solely around the fact that you must pay your bill in full every month with a charge card, while the same is obviously not true with a credit card. Credit cards for excellent credit and charge cards both have rewards. Which one has better rewards depends on the card and your personal preferences. Both may or may not have annual fees, though charge card annual fees tend to be higher. The bottom line is: If you are looking for the best rewards you should include charge cards in your search--precisely why they are included in the search results above.

    Community Discussion

    Ask a question or help others find the best credit cards for excellent credit by sharing some tips.

     
    Nov 12, 2015
    By:
    The most attractive feature of Barclaycard Arrival Plus World Elite MasterCard is earning 2 miles reward on every dollar spent. When redeemed for travel statement credits, each mile is worth one cent. Moreover, I get a rebate of 10% immediately after redemption which essentially makes this card a 2.2% cash back card when redeemed for purchases in the travel category. Soon after applying for this card, I found that I can also earn miles by writing travel stories on Barclaycard Travel Community and participating in Barclay's Rewards Fan Zone Program. With several ways to accumulate miles, they add up quickly.
    Oct 23, 2015
    By:
    The card I use is the American Express Blue Cash Everyday Card. What was the deciding factor that made me pick this card? Well that’s simple. I knew at the time that I had quite a few things to pay for, including a flight ticket, within 3 months. With this card, I will spend $1,000, but I will actually only spend $900 because of the initial cash back bonus. That’s instant savings already! But of course, it didn’t end there. Ever since, I have been using it regularly for many other purchases, because I get some cash back for pretty much every purchase I make. The rewards are awesome. That is the primary factor. The icing on the cake would be not having to pay for annual fees.
    Oct 10, 2015
    By:
    As one who often gets sent on business trips overseas, the Chase Sapphire Preferred (CSP) is my best friend. On top of no foreign transaction fees, the CSP awards 2x Ultimate Reward Points for expenses that fall under the Travel and Dining category which is where most of my reimbursable expenses fall, making this card very lucrative. Reward redemption options are flexible. I usually transfer my Ultimate Rewards to United. Last but not least, this card comes with an attractive sign up bonus offer as well as bonus for adding an authorized user and annual fee waived for one year.
    Sep 27, 2015
    By:
    I have used a lot of different credit cards in the past, but I have to say that my Chase Freedom card is the best so far. When I was with Washington Federal, they would hold onto my money, and I was unable to withdraw any money at certain times of the day, even if I was one minute late. Then, they would charge me extra money for a late fee. I got so fed up with them that I took out all of the money from the bank except for a penny. I switched over to Chase Freedom and got my card. Now, I can withdraw and transfer my money any time that I want to. It is so much more simple. They also do not put a time limit on the time I am allowed to use the card, or how much I want to use on the card. I have excellent credit, and so there have been no problems at all. I have not even had to call or make a complaint or ask questions with Chase.
    Sep 22, 2015
    By:
    I use an American Express Premier Rewards Gold Card, and I chose it for a couple of reasons. I looked through a lot of credit cards before choosing the the American Express Premier Rewards Gold Card and found that it had the best rewards program that fits into my spending style. The card offers many double and triple points options and then points are easily redeemable as statement credits, or they can be used the same as cash while shopping at Amazon. The second reason I chose it was the card was the fact that it has no pre-set spending limit. This helps me substantially if I am traveling, or just want to make a large purchase on the card for the benefit of the points.
    May 4, 2015
    By:
    I find that obtaining a credit card that requires excellent credit can be a pain for some. I personally have had to try different options when choosing a credit card that required excellent credit even though my credit score is higher than most. It may be easier for those with much better credit than me though. But be prepared for a hassle though if you do not have the best of credit.
    Apr 6, 2015
    By:
    I find that obtaining a credit card when an individual has excellent credit, is really not difficult. I find the difficulty lies in deciding which credit card should an individual select, as I am sure there will be multiple offers from various companies. Once an individual chooses a credit card that provides them with the best benefits that pertain to their situation, then I find the individual has made what is seemed to be a difficult decision, a much more easier one.
    Apr 1, 2015
    By:
    I use an American Express Card and it helps me to get the best rewards. I do not have an annual fee and a high reward rate, which I can get because of my credit rating. That helps me with travel rewards.
    Mar 11, 2015
    By:
    I think its optimal to funnel every single purchase through credit cards and pay them off 22 days post purchase, I really enjoy this site with its useful information.
    Dec 6, 2014
    By:
    Most of the best rewards cards will require excellent credit but the Capital One Quicksilver One is available for average credit and it offers the same rewards as the Quicksilver for excellent credit. Use it responsibly for a while and your credit score will improve to the point where you can get other great rewards card.
    Oct 24, 2014
    By:
    Acquiring excellent credit can be difficult. However, I fully believe that if there is a will, there is a way. I started building my credit in college. I opened a card offered to students with a credit limit of just $500. But after the card company saw that I made full payments on time, they kept upping my limit. Now, ten years later, I have a number of credit cards with high limits because I make substantial payments on all of them in a timely manner. I have yet to be turned down for a card.
    Sep 18, 2014
    By:
    My experiences with credit cards have been really great. I use them for most of my shopping, I buy business stock and supplies. They allow me to get discounts on air fares, rental cars, hotel rooms and meals when I travel. I love the way I get emails on all of my transactions, this way I can save the information for tax time. They are great for miles and bonus points so I can buy gas or something else I need. Credit cards have helped me feel safer because I don't have to carry a lot of cash. Many businesses don't accept checks any more so I use my credit cards to pay.
    Aug 25, 2014
    By:
    I definitely plan on getting a credit card in the future. However, I'm not entirely sure how good my credit is to begin with. I'm fairly confident that I would be able to obtain a credit card, but the interest rate would be a crucial factor in deciding which credit card it would be best for me to choose. I do feel that having a credit card is essential to building and maintaining good credit, and that is why I am going to be exploring my options in the near future.
    Jul 24, 2014
    By:
    Personally it's easy for me to acquire a credit card that requires good to excellent credit.The things I mainly look for when looking to acquire another credit card are the rewards credit cards offer. I search for those with rewards I would actually use.Also fees and interest rates play a factor as well. I am always on the look out for a new credit card that offers more than what I already have.I feel it is foolish to stick to one card for too long because newer and better cards are constantly coming out.
    Jul 14, 2014
    By:
    As a person who doesn't have great credit who has been with someone who does have a great credit for years, you will most likely get a better credit card with a positive credit history. Usually it means you don't have to put money into the credit card before you can use it, you get much better interest rates, and better rewards. That being said, having a credit card is one of the best way to build your credit back up. And even the cards for people with not so great credit usually have some sort of rewards program.
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