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Credit Cards for Excellent Credit

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 (some of these offers originate from CardHub advertising partners), but you can use the controls on the left to find credit cards for all credit types.

Expand your search beyond credit cards for excellent credit


    Chase Freedom®

    chase freedom credit card
    • 0% PURCHASES 15 months
    • 0% TRANSFERS 15 months ;   Fee.....3%
    • REGULAR RATE 13.99% - 22.99% (V)
    REWARDS Cash Back
    BONUS $100
    BASE EARN 1%
    MAX EARN 5%
    • 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 October 1 – December 31, 2014 at, and select department stores
    • You'll enjoy new 5% categories every 3 months like gas stations, restaurants and 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 months ;   Fee.....3%
    • REGULAR RATE 12.99%-21.99%
    REWARDS Cash Back
    BONUS $50
    BASE EARN 1%
    MAX EARN 3%
    • 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 November 2015
    • 0% TRANSFERS Not Offered
    • REGULAR RATE 11.9% - 19.9% (V)
    REWARDS Miles
    BASE EARN 1.25 miles / $1
    MAX EARN 1.25 miles / $1
    • Earn unlimited 1.25 miles on every purchase, every day.
    • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within the first 3 months
    • 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)
    ANNUAL FEE $0 for 1st yr, $59 after
    REWARDS Miles
    BASE EARN 2 miles / $1
    MAX EARN 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 February 2016
    • 0% TRANSFERS until February 2016 ;   Fee.....3%
    • REGULAR RATE 10.9% - 18.9% (V)
    REWARDS None

    Citi® Double Cash Card

    citi cashreturns mastercard
    • 0% PURCHASES 15 months
    • 0% TRANSFERS 15 months ;   Fee.....3% (min $5)
    • REGULAR RATE 12.99% - 22.99% (V)
    ANNUAL FEE $0*
    REWARDS Cash Back
    BONUS None
    BASE EARN 1%
    MAX EARN 2%
    • 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 August 2015
    • 0% TRANSFERS until August 2015 ;   Fee.....3%
    • REGULAR RATE 12.9% - 22.9% (V)
    REWARDS Cash Back
    BONUS $100
    BASE EARN 1.5%
    MAX EARN 1.5%
    • 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 months ;   Fee.....None
    • REGULAR RATE 12.99% - 22.99% (V)
    REWARDS None

    Barclaycard Arrival™ World MasterCard®

    barclaycard arrival world mastercard credit card with no annual fee
    • 0% PURCHASES 12 months
    • 0% TRANSFERS 12 months ;   Fee.....3%
    • REGULAR RATE 14.99% - 18.99% (V)
    REWARDS Miles
    BASE EARN 1 mile/$1
    MAX EARN 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.
    • Book the travel you want — airfare, hotels, cruises and more and earn miles on your purchase.
    • 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 months ;   Fee.....3% (min $5)
    • REGULAR RATE 12.99% - 22.99% (V)
    ANNUAL FEE $0*
    REWARDS None
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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.

    Ad Disclosure: Certain offers originate from paying advertisers, and this will be noted on a card's details page using the designation "Sponsored Card", where applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At CardHub we try to list as many credit card offers as possible and currently have more than 1,200 offers, but we do not make any representation of listing all available offers.

    Ask our Experts

    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.

    Help others find the best credit cards for excellent credit by sharing what your deciding factor was when choosing your card (customer service, interest rate, fees, convenience, rewards, etc.)

    October 24, 2014
    Photo of Dee G.
    By: Dee Gee
    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.
    October 7, 2014
    Photo of Brad R.
    By: Brad Risten
    While it can be difficult to get a credit card with excellent credit, these are typically the best cards (i.e. lowest APRs, fees, etc) out there. Credit card companies want people with excellent credit for a reason. I started to gain credit when I was in my very early twenties, and I have always paid my bills in a timely manner, which has helped me build excellent credit today. I am grateful for that because I have yet to be turned down for a credit card I have applied for.
    September 18, 2014
    Photo of Charles G.
    By: Charles Greenwood
    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
    August 25, 2014
    Photo of Caitlin S.
    By: Caitlin Saia
    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.
    July 24, 2014
    Photo of Johnny A.
    By: Johnny Angelo
    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.
    July 14, 2014
    Photo of Angela S.
    By: Angela Szarenski
    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.
    July 4, 2014
    Photo of David A.
    By: David Armstrong
    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.
    June 24, 2014
    Photo of Steven R.
    By: Steven Randolph
    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.
    April 18, 2014
    Photo of Grant H.
    By: Grant Hendrix
    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.
    Uday Subedi
    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.
    March 7, 2014
    Photo of Casi D.
    By: Casi Danielle
    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.
    February 10, 2014
    Photo of Sophie O.
    By: Sophie Ogasawara-Neko
    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.
    March 12, 2014
    Photo of Jessica W.
    Jessica Walls-Lavelle
    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.
    February 4, 2014
    Photo of Seth H.
    By: Seth Hughes
    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
    January 27, 2014
    Photo of Michelle F.
    By: Michelle Fields
    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
    March 4, 2014
    Photo of Catherine R.
    Catherine Rowntree
    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.
    January 10, 2014
    Photo of Elias J.
    By: Elias Johnson
    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.
    January 10, 2014
    Photo of Marci B.
    By: Marci Bushnell
    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.
    January 2, 2014
    Photo of Darrell B.
    By: Darrell Brown
    In order to really take advantage of all of the benefits that can be had using a credit card, excellent credit is needed. Credit cards that require excellent credit ratings afford the card user benefits such as higher credit limits, special concierge services, lower interest rates, and deals on entertainment activities to name a few. The amount and type of benefits that are available for lower credit ratings are not as favorable. The valuable benefits given to these excellent credit cards do have an annual fee to use them, which can be a turn off to some.
    January 2, 2014
    Photo of Matt K.
    By: Matt Kinley
    I think it is extremely difficult to get an excellent credit card these days because the fees are too high on most cards and the benefits aren't that great. Only the exclusive cards for the rich such as the AMEX black card are worth having. I have had good credit for awhile but don't spend enough money to really get the most out of a better card with higher credit limits. I currently have an American Express Blue card but will probably upgrade to a Gold card in the near future when I move into a house.
    December 26, 2013
    Photo of Greg K.
    By: Greg Kempisty
    I definitely agree that cards requiring "excellent" credit most always have the best perks, as there is less liability involved. As someone who had credit problems in the past, I do not recall any of the "so-so' cards having lucrative rewards programs (in fact, most offered no points and involved paying high annual maintenance fees). After re-building my credit and responding to an offer for the Chase Sapphire card in the mail, I gained approval and access to some of the best benefits on the market! I now use my card for nearly all purchases and pay it off in full each billing cycle.
    December 26, 2013
    Photo of Chip S.
    By: Chip Song
    One of the concepts that I didn't understand when I got my first credit card was having a good credit score. Luckily, I applied for a credit card that was introductory and I managed to build up my credit score little by little. My first card that I got was a Chase Slate card, and I carried it for about 7 years. I paid off my credit in full every month, and by doing so, I built up my credit. I increased my credit limit when appropriate and I never used more credit than I had. I kept my balance below 30% of the credit limit and I feel this more
    March 4, 2014
    Photo of Justin P.
    Justin Parker
    This is excellent advice, particularly about building credit with one of the Chase cards. I took the same upgrade path from a Slate to a Sapphire. The key to building good credit is using the card minimally, paying it off monthly, and only making big purchases for something rare, like a vacation or an emergency. The Chase cards typically provide a good APR and the Sapphire card, which you should qualify for if you have good credit, provides some amazing rewards if you travel frequently. I frequently travel for work using my Sapphire card, and the rewards that I earn help pay for leisure travel. None of it would be more
    December 19, 2013
    Photo of Doug M.
    By: Doug Miller
    In my experience, reward cards that provide any reasonably good rewards, require better than average up to excellent credit. I’ve had a rewards card for a few years and my credit isn’t that great, but really the rewards are almost useless. I see these cards that give a lot of cash back or other benefits but when I research them, I discover that excellent credit is required, which eliminates me and pretty must everyone else. The Capital One Quicksilver Cash Rewards Credit Card is an example of a card for the elite people with excellent credit.
    December 2, 2013
    Photo of David N.
    By: David Nee
    I got a standard Visa card a few years back in order to be able to gain a credit score. While I would admit owning one is a risk, since it seems to make buying things you can't afford reasonable, and the Visa fees are rather dubious, overall it's something good to do in advance. I think Visa is a reasonable company to go with, since they're one of the few that are more or less accepted everywhere. The customer service is sometimes sketchy, however. If you have problems or questions, you may have to jump through hoops for awhile just to even talk to someone, much less will it more
    December 2, 2013
    Photo of Cody D.
    By: Cody DeLong
    I signed up for the Marriott Rewards Premier card when I was making some hotel reservations for my job last year. The company reimburses me so I can use any card I want and since I get extra points when I spend at a Marriott hotel. I have to say it was totally worth it. The real deciding factor for me though was the 50,000 bonus points for signing up that I was able to use on a vacation this past summer. I really love this card and would recommend it to anyone who pays there balance off every month, but wants the benefit of some great rewards points.
    November 23, 2013
    Photo of Russell S.
    By: Russell Slocum
    When looking for a good credit card, Discover is always a good choice. I started my credit with them 4 years ago in college, and 3 Discover cards later I use a Discover It card. If you are not careful the fees may get out of hand as with any card, but if you are responsible and keep a low to no balance you really can't choose a better company in terms of customer service. Also, Discover has came through with some fringe benefits for this card such as free credit checks, 1-5% cash back, travel assistance, job loss assistance, etc. The only real negative with this card is that more
    November 22, 2013
    Photo of Jack B.
    By: Jack Buck
    I have a perfect credit history and consequently an excellent credit score so I pretty much have the pick of the cards I want. Having said that I tend to select credit cards that as well as a reasonable interest rate, also have some kind of reward program. As an addicted Amazon shopper it made perfect sense to look into an Amazon credit card. With the backing of Chase, a sensible interest rate 10.9% and all the usual credit card benefits, the thing that really swayed me was the excellent rewards program. I earn points for purchasing using my card almost everywhere and earn extra points using it on the more
    November 22, 2013
    Photo of Bambi J.
    By: Bambi Jo
    I have very good credit and find that the card that best suits my current needs is the Chase Slate Visa. This card offers very attractive balance transfer rates at 0% APR with terms of 12 to 15 months, a great purchase APR and some very helpful card benefits that you can use to help you plan out your payment schedule to get your balances paid off faster. I have been using this card for approximately three years and have always gotten great customer service whenever I had any questions or concerns. I highly recommend the Chase Slate Visa Card to anyone looking for an excellent balance transfer card.
    November 5, 2013
    Photo of Sidhu R.
    By: Sidhu Ram
    I use the Blue Cash Everyday Card from American Express. I initially wanted the Blue Cash Preferred card, but then I figured out that the Everyday doesn't have much difference in what it offers in terms of value at a slightly lower price. Since I photograph wildlife, i constantly change my lens which often mount to hundreds of dollars and since it is within my capability to repay the dues on time, I thought having this card would be the best way to have a great credit history. Blue cash doesn't have much to offer for small purchases, but if purchases are quite high, the features and reward points are more
    November 5, 2013
    Photo of Jacoby G.
    By: Jacoby Greene
    I've had the Capital One VentureOne Rewards Credit Cards for about 2 years now, and it's absolutely one of the best cards that I've ever used. My deciding factor in choosing the Capital One VentureOne card was its slightly lower interest rate. I have a few other cards with interest rates ranging from 12-18 percent, my VentureOne card has been steady at 11.9% since signing up for it. I usually make quite a few large purchases on credit and tend to carry balances for a couple months before paying them off, so a card with a low interest rate was an absolute necessity for me. I highly recommend the Capital more