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Credit Cards for Excellent Credit

 Credit Cards for Excellent Credit

Expand your search beyond credit cards for excellent credit

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 or credit card for five or more years 2) Your current credit card’s limit is around $10,000 3) You’ve never been more than 60 days late on a bill (e.g. credit card, loan or medical) 4) You’ve never declared bankruptcy. All of the cards listed below are for people with excellent credit, but you can use the controls on the left to find credit cards for all credit types.

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American Express® Gold Card

Gold Charge Card
Charge Card :
  • Balance must be paid in full every month
  • Regular RateNot Applicable for Charge Cards
Annual Fee $125
Rewards Points
Initial Bonus 10,000 points
Base Earn 1 point / $1
Max Earn 1 point / $1
  • Earn 10K Membership Rewards® points, redeemable for select gift cards valued at $100, when you spend $1,000 in your first 3 months of Card membership.
  • Exclusive access to Gold Card Events -- select concerts, shows, major sporting events, and more.
  • Redeem Membership Rewards® points for an exclusive array of travel, shopping, dining and entertainment rewards.

 
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Citi ThankYouSM Preferred Card - $250 in Gift Cards

Rewards Credit Cards from Citibank
Rates:
  • 0% on Purchases Not Offered
  • 0% on Transfers Not Offered
  • Regular Rate 12.99% - 22.99% (V)
Annual Fee None
Rewards Points
Initial Bonus 25,000 points
Base Earn 1 point / $1
Max Earn 1 point / $1
  • $250 gift card - When you redeem the 25,000 bonus ThankYou® Points received after $2,000 in purchases within 3 months of account opening.
  • Earn 1 point for every $1 you spend on all purchases.
  • Receive an anniversary bonus every year you're a cardmember.
  • No expiration and no limit on the points you can earn.
  • Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more.

 
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Continental Airlines OnePass® Plus Credit Card

Continental Airlines Credit Card Application
Rates:
  • 0% on Purchases Not Offered
  • 0% on Transfers Not Offered
  • Regular Rate 14.24% (V)
Annual Fee None 1st yr, $95 after
Rewards Miles
Initial Bonus 30,000 miles
Base Earn 1 mile / $1
Max Earn 2 miles / $1
  • Earn up to 40,000 bonus miles -- 25,000 Bonus Miles After Your First Use + 5,000 bonus miles when you add an authorized user to your account and use your card, both within two months of opening your account + 10,000 Bonus Miles Annually When You Spend $25,000 on Your Card.
  • Earn 2 miles per $1 spent on Continental and United Flights, Car Rental and Hotel Purchases, and 1 mile per $1 everywhere else.
  • Now with priority boarding privileges on Continental and United flights.
  • Check your first bag for free on Continental and United flights, up to a $50 value.
  • Visit the United Club with two complimentary passes every year, a $100 value.
  • Your miles don't expire and there is no limit to the number of miles you can earn

 
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Citi Forward® Card

citi forward card
Rates:
  • 0% on Purchases 7 months
  • 0% on Transfers 12 months ;   Fee.....3%
  • Regular Rate 12.99% - 22.99% (V)
Annual Fee None
Rewards Points
Initial Bonus 10,000 points
Base Earn 1 point / $1
Max Earn 5 points / $1
  • $100 in gift cards - When you redeem the 10,000 bonus ThankYou® Points received after you make $650 in purchases and sign up for paperless statements within the first 3 months.
  • Earn 1,000 bonus points when you sign up for Paperless Statements.
  • 5 ThankYou points for every $1 you spend on restaurants and entertainment.
  • 1 point for every $1 you spend on all other purchases.

 
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Chase SapphireSM Preferred Card

Credit Cards from Chase Preferred
Rates:
  • 0% on Purchases Not Offered
  • 0% on Transfers Not Offered
  • Regular Rate 15.24% (V)
Annual Fee None 1st yr, $95 after
Rewards Points
Initial Bonus 50,000 points
Base Earn 1 point / $1
Max Earn 2 points / $1
  • Earn 50,000 bonus points after you spend $3,000 in the first 3 months- that's worth $625 toward airfare or hotel accommodations!
  • 2 points per dollar spent on travel and dining & 1 point per dollar spent on all other purchases.
  • Use 20% fewer points when you redeem for travel. Just book your flight, cruise, or other travel through Ultimate Rewards℠.
  • Earn a 7% annual points dividend - even on points already redeemed.
  • Transfer points you've earned to participating frequent traveler programs at a 1:1 value.

 
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Citi ThankYouSM Premier Card - $300 in Gift Cards

Thank You Rewards Credit Card
Rates:
  • 0% on Purchases Not Offered
  • 0% on Transfers Not Offered
  • Regular Rate 13.99% - 22.99% (V)
Annual Fee None 1st yr, $125 after
Rewards Points
Initial Bonus 30,000 points
Base Earn 1 point / $1
Max Earn 1.2 points / $1
  • Earn 30,000 bonus ThankYou® Points after $2,000 in purchases within 3 months of account opening - enough for $300 in gift cards.
  • Earn 1.2 ThankYou Points per $1 spent – that's 20% more points – when you use your card at gas stations, supermarkets, drugstores, commuter transportation and parking merchants.
  • 1 ThankYou point for every dollar you spend on purchases.
  • No expiration and no limit on the points you can earn.
  • Earn points for the miles you fly when you purchase a ticket with your Citi ThankYou Premier Card.
  • Annual complimentary domestic companion ticket and a 15% discount on all air travel when booked through our travel benefits provider, Spirit Incentives.

 
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Chase SapphireSM Card

Chase Credit Cards Sapphire
Rates:
  • 0% on Purchases Not Offered
  • 0% on Transfers Not Offered
  • Regular Rate 15.24% (V)
Annual Fee None
Rewards Points
Initial Bonus 25,000 points
Base Earn 1 point / $1
Max Earn 2 points / $1
  • Earn 25,000 bonus points – after you spend $3,000 in the first 3 months- that's $250 toward a round trip flight or any other reward!
  • 2 points per dollar spent on dining & 1 point per dollar spent on all other purchases.
  • Points never expire and there are no limits on how many points you can earn.
  • Redeem points for travel, gift cards, merchandise, cash back and more.

 
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Bank of America® Accelerated Rewards® American Express® Card

bank of america accelerated rewards american express card
Rates:
  • 0% on Purchases 12 billing cycles
  • 0% on Transfers 12 months ;   Fee.....4% (min $10)
  • Regular Rate 12.99%-20.99% (V) Purchases & BT
Annual Fee None
Rewards Points
Initial Bonus $50
Base Earn 1.25 points / $1
Max Earn 1.25 points / $1
  • Get a $50 statement credit after making at least $100 in retail purchases within the first 60 days of the account opening date.
  • Earn great rewards with 1.25 points per $1 in purchases.
  • Redeem your points for travel with no blackout dates, discounts at hotels, cash, brand-name merchandise, or gift certificates.
  • Access to special Cardmember offers from participating American Express® merchants to save on shopping, dining, travel, hotels, and much more.
  • Access to one of the world's largest and most established travel agency networks.

 
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Discover® Open Road Card

Discover Platinum Cashback Bonus Plus
Rates:
  • 0% on Purchases 12 months
  • 0% on Transfers 12 months ;   Fee.....3%
  • Regular Rate 10.99% - 20.99% (V)
Annual Fee None
Rewards Cash Back
Initial Bonus None
Base Earn up to 1%
Max Earn 2%
  • Free $150 Restaurant.com Gift Certificate with first purchase.
  • Earn a full 2% Cashback Bonus on your first $250 in combined gas and restaurant purchases each billing period.
  • Up to 1% Cash Back on all other purchases.
  • 5%-20% Cashback at top online retailers thru the Discover site.
  • Flexible redemption options with no redemption fee. Choose from Partner gift cards, merchandise, Discover gift cards, credit to your Discover card account or an electronic deposit to your bank account.

 
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Citi ThankYouSM Preferred Card - $150 Gift Card

Rewards Credit Cards from Citibank
Rates:
  • 0% on Purchases Not Offered
  • 0% on Transfers Not Offered
  • Regular Rate 12.99% - 22.99% (V)
Annual Fee None
Rewards Points
Initial Bonus 15,000 points
Base Earn 1 point / $1
Max Earn 5 points / $1
  • $150 gift card - When you redeem the 15,000 bonus ThankYou® Points received after $1,000 in purchases within 3 months of account opening.
  • 5 ThankYou Points for every $1 you spend on purchases at gas stations, supermarkets and drugstores for 12 months and 1 point for every $1 you spend thereafter.
  • No expiration and no limit on the points you can earn.
  • Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more.

 
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We work hard to present you with the most accurate credit card information, however, this information does not originate from us and thus, we do not guarantee the accuracy of the information.

Before you apply for a credit card we recommend that you review and verify the credit card terms and conditions on the credit card company's web site. Please let us know if you find any differences related to the Credit Cards for Excellent Credit shown on this page.

 
Learn more about excellent credit credit cards

What makes credit cards for excellent credit different from other cards? Simply 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? There 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? While 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? Every 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? The 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? It 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 Since 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.