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Credit Cards for Excellent Credit

5.0 5.0 - 1 reviews for top rated card

As the name suggests, credit cards for excellent credit are for people with spotless credit (usually a credit score above 720). Given that credit cards for excellent credit have the lowest rates and best rewards on the market, they can help lower your interest costs on existing debt, pay down a future big-ticket purchase interest-free or help you effectively save on every purchase you make. If you are not sure whether you have excellent credit, you can either try our free credit check or make sure that you meet ALL of the following criteria: 1) You’ve had a loan…show more

    Chase Freedom®


    chase freedom credit card
    • 0% Purchases 15 months
    • 0% Transfers 15 months3% Transfer Fee
    • Regular Rate 13.99% - 22.99% (V)
    Apply Now at issuer's secure site
    • Annual Fee None
    • Rewards Cash Back
    • Initial Bonus $100
    • Earn Rate 1% - 5% cash back
    • Earn a $100 Bonus after you spend $500 on purchases in your first 3 months from account opening
    • Earn a $25 Bonus after you add your first authorized user and make a purchase within this same 3-month period
    • 5% Cash Back on up to $1,500 in combined purchases between 1/1/15–3/31/15 at grocery stores (not including Walmart® and Target® purchases), movie theaters, and Starbucks® stores
    • You’ll enjoy new 5% categories every 3 months like restaurants, gas stations, and Amazon.com. It’s free and easy to activate your bonus each quarter!
    • Unlimited 1% Cash Back on all other purchases

    Blue Cash Everyday® Card from American Express


    blue cash credit card
    • 0% Purchases 15 months
    • 0% Transfers 15 months3% Transfer Fee
    • Regular Rate 12.99%-21.99%
    Apply Now at issuer's secure site
    • Annual Fee $0
    • Rewards Cash Back
    • Initial Bonus $50 + 1yr of Amazon Prime
    • Earn Rate 1% - 3% cash back
    • Get one year of Amazon Prime plus $50 back after you make $1,000 in purchases with your new Card in the first three months.
    • You will receive $50 back in the form of a statement credit.
    • Hassle-free cash back: no enrollment required, the same great reward categories year-round.
    • Earn Cash Back: 3% US supermarkets up to $6,000 per year in purchases, 2% at US gas stations & select US dept stores, 1% on other purchases. Terms and limitations apply.
    • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
    • Terms and restrictions apply.

    Capital One® VentureOne® Rewards Credit Card


    capital one ventureone rewards credit card
    • 0% Purchases until December 2015
    • 0% Transfers Not Offered
    • Regular Rate 11.9% - 19.9% (V)
    Apply Now at issuer's secure site
    • Annual Fee None
    • Rewards Miles
    • Initial Bonus 20,000 miles
    • Earn Rate 1.25 miles / $1
    • 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 on every purchase, every day and pay no annual fee
    • Fly any airline, stay at any hotel, anytime.
    • Travel when you want—no blackout dates.
    • Miles don't expire and there’s no limit to how many you can earn

    Capital One® Venture® Rewards Credit Card


    capital one venture rewards credit card
    • 0% Purchases Not Offered
    • 0% Transfers Not Offered
    • Regular Rate 13.9% - 20.9% (V)
    Apply Now at issuer's secure site
    • Annual Fee $0 for 1st yr, $59 after
    • Rewards Miles
    • Initial Bonus 40,000 miles
    • Earn Rate 2 miles / $1
    • 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 on every purchase, every day.
    • Fly any airline, stay at any hotel, anytime.
    • Travel when you want—no blackout dates.
    • Miles don't expire and there’s no limit to how many you can earn

    Capital One® Platinum Prestige Credit Card


    capital one platinum prestige credit card
    • 0% Purchases until March 2016
    • 0% Transfers until March 20163% Transfer Fee
    • Regular Rate 10.9% - 18.9% (V)
    Apply Now at issuer's secure site
    • Annual Fee None
    • Rewards None

    Citi® Double Cash Card


    citi double cash card
    • 0% Purchases 15 months
    • 0% Transfers 15 months3% (min $5) Transfer Fee
    • Regular Rate 12.99% - 22.99% (V)
    Apply Now at issuer's secure site
    • Annual Fee $0*
    • Rewards Cash Back
    • Initial Bonus None
    • Earn Rate 1% - 2% cash back
    • The only card that earns you cash back TWICE on every purchase with:
    • 1% cash back when you buy
    • Plus 1% cash back as you pay for those purchases, whether you pay in full or over time*
    • No Category Restrictions, No Caps, No Enrollments in Rotating Categories

    Capital One® Quicksilver® Cash Rewards Credit Card


    capital one quicksilver cash rewards credit card
    • 0% Purchases until September 2015
    • 0% Transfers until September 20153% Transfer Fee
    • Regular Rate 12.9% - 22.9% (V)
    Apply Now at issuer's secure site
    • Annual Fee None
    • Rewards Cash Back
    • Initial Bonus $100
    • Earn Rate 1.5% cash back
    • One-time $100 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 and no sign ups needed to earn cash rewards.
    • Cash back doesn't expire and there’s no limit to how much you can earn

    Chase Slate®


    slate credit card
    • 0% Purchases 15 months
    • 0% Transfers 15 monthsNo Transfer Fee
    • Regular Rate 12.99% - 22.99% (V)
    Apply Now at issuer's secure site
    • Annual Fee $0
    • Rewards None

    Barclaycard Arrival™ World MasterCard®


    barclaycard arrival world mastercard credit card with no annual fee
    • 0% Purchases Not Offered
    • 0% Transfers 12 months3% Transfer Fee
    • Regular Rate 14.99% - 18.99% (V)
    Apply Now at issuer's secure site
    • Annual Fee None
    • Rewards Miles
    • Initial Bonus 20,000 miles
    • Earn Rate 1 - 2 miles/$1
    • Earn 20,000 bonus miles when 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 and dining and 1X miles on all other purchases
    • Miles don't expire as long as your account is open, active and in good standing
    • Get 10% miles back to use toward your next redemption every time you redeem for travel statement credits

    Citi Simplicity® Card


    citi simplicity credit card
    • 0% Purchases 18 months
    • 0% Transfers 18 months3% (min $5) Transfer Fee
    • Regular Rate 12.99% - 22.99% (V)
    Apply Now at issuer's secure site
    • Annual Fee $0*
    • Rewards None
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    Ask our Experts
    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.

     
    Dec 6, 2014
    By:
    Dec 6, 2014
    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:
    Oct 24, 2014
    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:
    Sep 18, 2014
    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 more
    Aug 25, 2014
    By:
    Aug 25, 2014
    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:
    Jul 24, 2014
    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:
    Jul 14, 2014
    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.
    Jul 4, 2014
    By:
    Jul 4, 2014
    You do not need excellent credit to enjoy the best benefits. However, it's not easy to find credit cards that provide high-end benefits to people with less than the best credit. I have fair credit and I have a low interest rate card that comes with benefits you'd expect from the best cards like cash back and loyalty programs. You just have to be diligent and shop around when looking for a card and that work will pay off if you can find that card that provides excellent features.
    Jun 24, 2014
    By:
    Jun 24, 2014
    It is not hard to get a credit card when you have excellent credit, but it is difficult to find one that offers great rewards. My Husband has a Chase Slate card, and I have to say that he has really loved it. I really like the Quicksilver cash rewards card from Capital One, it is easy because the 1.5% cash back I get is on every purchase. I like that I don't have to think about the "category" of my purchase when considering my rewards. I think in the future I may apply for the VentureOne card by Capital One too.
    Apr 18, 2014
    By:
    Apr 18, 2014
    I possibly would qualify for a credit card for those with good credit. I however would not like to have one. You still have to pay interest even if it's a lower rate. I would rather pay in cash and not get nickel and dimed by all of the debt. It's easy to spend money on credit cards for a reason. It's best to use just for emergency.
    May 29, 2014
    Photo of Uday S.
    May 29, 2014
    Well, you don't have to carry a balance month to month, so no need to pay interest. If used wisely, they are not bad and it is nice to get points on purchases which you would have purchased anyway.
    Mar 7, 2014
    By:
    Mar 7, 2014
    I've had the Capital One VentureOne Rewards Credit Card for about 2 years now, and it's absolutely one of the best cards that I've ever used.I have a perfect credit history and consequently an excellent credit score so I pretty much have the pick of the cards I want.
    Feb 10, 2014
    By:
    Feb 10, 2014
    While there is a definite feeling of accomplishment that comes along with qualifying for a card tailored to those with premium credit, in my experience, many of the perks and benefits that go along with those cards are not of any practical benefit to me. I don't need huge credit limits, because the last thing I need is the temptation to celebrate my rebuilt credit score by taking on thousands of dollars in new debt. Even though I have rebuilt my credit from the sewer over the last couple of years, the plebeian, low-limit credit cards I have now are more than sufficient for my needs.
    Mar 12, 2014
    Photo of Jessica W.
    Mar 12, 2014
    I tend to agree. I have good credit, so why would I want to take on more debt? However, there is one premium card that I did sign up for. It offered a free hotel night once a year, and the annual fee for the card was $35. So I figure I am getting a deal by only paying $35 for that one hotel night, while getting the extra benefits of the premium card, such as double points. That seems worth it to me.
    Feb 4, 2014
    By:
    Feb 4, 2014
    Credit card rewards do get better as your credit gets better. I started out with a card that had a high interest rate, an annual fee, and a very small limit. I now have several credit cards with very high limits, no fees, low rates, and good rewards. American Express has a point system and points can be redeemed for nearly anything, including gift cards. While American Express may require excellent credit, there are other cards with good rewards which do not require a high credit rating. Bank of America's cash reward card is very attainable with average credit. It offers 1% cash back on anything, and up to 3% more
    Jan 27, 2014
    By:
    Jan 27, 2014
    I have to admit, I really appreciate having cards that acknowledge my excellent credit rating. While I've never actually had to collect on things like the collision damage waiver for rental cars, or had occasion to use the concierge-type services offered by some, it's nice to know that they're there should I ever want or need them.

    All that said, you should be aware that your cards can still let you down. For example, I went through a rough spell in my life, with an illness that prevented me from working for several months. During that time I was using my cards to get by, and after a while one of more
    Mar 4, 2014
    Photo of Catherine R.
    Mar 4, 2014
    It's so nice to have cards actually reward you for being good. I'm sorry to hear about your illness and poor experience with Discover. It's a stark reminder that these are big companies that don't really care about you.
    Jan 10, 2014
    By:
    Jan 10, 2014
    Having excellent credit can be a plus when looking at applying for a new credit card. You will likely see lower interest rates and lower fees on your card. However, that does not mean you cannot find a similar card with great benefits and rates if you don't have excellent credit. many times good credit is all that it takes to be qualified for a great credit card. On the flip side, I actually had the Sony Card from Capital One with excellent credit and found my interest rate was still very high.
    Jan 10, 2014
    By:
    Jan 10, 2014
    I have been working through a few poor decisions from my past. My credit is in good standing now. I definitely want to work towards a card that requires an extremely good credit score. Mainly for the benefits and advantages that come with it. Anyone interested in building credit could agree with that.
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