Excellent Credit

Excellent credit equals excellent card options. People with excellent credit typically enjoy lower rates, better introductory rates and bonuses and better rewards. Check out the following offers from our partners for people with excellent credit. Not sure what your score is? Sign up for a CreditCards.com account to get your free credit score and report.

See offers from our partners below.

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 APPLY ONLINE

at Capital One's
secure site

Credit Needed
Excellent, Good
  • Enjoy a one-time bonus of 40,000 miles once you spend $3,000 on purchases within 3 months of approval, 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
  • No foreign transaction fees
  • $0 intro annual fee for the first year; $59 after that
  • Limited Time Offer: Get a metal Venture Card when you apply today
  • See additional Capital One® Venture® Rewards Credit Card details
 APPLY NOW

at Capital One's
secure site

Credit Needed
Excellent, Good
  • Purchases Intro APR
    N/A
    Balance Transfers Intro APR
    N/A
    Regular APR
    13.49% - 23.49% (Variable)
    Annual Fee
    $0 intro for first year; $59 after that
    Credit Needed
    Excellent, Good
 APPLY ONLINE

at Bank of America's
secure site

 APPLY BY PHONE
Credit Needed
Excellent/Good
  • Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire
  • 20,000 online bonus points if you make at least $1,000 in purchases in the first 90 days — that can be a $200 statement credit toward travel purchases
  • Use your card to book your trip how and where you want — you're not limited to specific websites with blackout dates or restrictions
  • Redeem points for a statement credit to pay for flights, hotels, vacation packages, cruises, rental cars, or baggage fees
  • Comes with chip technology for enhanced security and protection at chip-enabled terminals
  • 0% Introductory APR for 12 billing cycles for purchases, then 15.49% - 23.49% Variable APR
  • Get an additional 10% customer points bonus on every purchase when you have an active Bank of America® checking or savings account
  • If you're a Preferred Rewards client, you can increase that bonus to 25% - 75%
  • See additional BankAmericard Travel Rewards® Credit Card details
 APPLY NOW

at Bank of America's
secure site

or call Bank of America at
877-915-7732


Credit Needed
Excellent/Good
  • Purchases Intro APR
    0% Introductory APR for 12 billing cycles
    Balance Transfers Intro APR
    N/A
    Regular APR
    15.49% - 23.49% Variable APR on purchases and balance transfers
    Annual Fee
    $0
    Credit Needed
    Excellent/Good
 APPLY ONLINE

at Chase's
secure site

Credit Needed
Excellent/Good
  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
  • Named Best Credit Card for Flexible Travel Redemption - Kiplinger's Personal Finance, July 2016
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards
  • See additional Chase Sapphire Preferred® Card details
 APPLY NOW

at Chase's
secure site

Credit Needed
Excellent/Good
  • Purchases Intro APR
    N/A
    Balance Transfers Intro APR
    N/A
    Regular APR
    16.49% - 23.49% Variable
    Annual Fee
    Introductory Annual Fee of $0 the first year, then $95
    Credit Needed
    Excellent/Good
 APPLY ONLINE

at Capital One's
secure site

Credit Needed
Excellent, Good
  • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within 3 months of approval, 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
  • Enjoy a low intro APR on purchases for 12 months; 12.49%-22.49% variable APR after that
  • Travel when you want with no blackout dates
  • No foreign transaction fees
  • Miles don't expire and there's no limit to how many you can earn
  • See additional Capital One® VentureOne® Rewards Credit Card details
 APPLY NOW

at Capital One's
secure site

Credit Needed
Excellent, Good
  • Purchases Intro APR
    0% intro on purchases for 12 months
    Balance Transfers Intro APR
    N/A
    Regular APR
    12.49% - 22.49% (Variable)
    Annual Fee
    $0
    Credit Needed
    Excellent, Good
 APPLY ONLINE

at Bank of America's
secure site

 APPLY BY PHONE
Credit Needed
Excellent/Good
  • 0% Introductory APR for 18 billing cycles for balance transfers made in the first 60 days, then 11.49% - 21.49% Variable APR
  • Balance transfer fee of either 3% of the amount of the transfer or $10 (whichever is greater) applies
  • No annual fee
  • Saves you more on interest when you transfer balances from higher rate credit cards
  • $0 Liability Guarantee, so you're not responsible for any fraudulent charges made on your account
  • Access your FICO® Score for free within Online and Mobile Banking
  • If you apply for a card over the phone and are approved, our representatives can transfer your balance over the phone
  • See additional BankAmericard® Credit Card details
 APPLY NOW

at Bank of America's
secure site

or call Bank of America at
877-827-8836


Credit Needed
Excellent/Good
  • Purchases Intro APR
    N/A
    Balance Transfers Intro APR
    0% Intro APR for 18 billing cycles for balance transfers made in the first 60 days
    Regular APR
    11.49% - 21.49% Variable APR on purchases and balance transfers
    Annual Fee
    $0
    Credit Needed
    Excellent/Good
 APPLY ONLINE

at Wells Fargo's
secure site

Credit Needed
Excellent/Good
  • Earn $150 cash rewards bonus after spending $1,000 in the first 3 months
  • Earn unlimited 1.5% cash rewards on virtually every purchase
  • Enjoy 1.8% cash rewards on qualified mobile wallet purchases, like Apple Pay® or Android Pay™, during the first 12 months from account opening
  • Cash rewards don't expire as long as your account remains open
  • $0 Annual Fee
  • 0% Intro APR for 12 months on purchases and balance transfers, then a 13.74%-25.74% variable APR; balance transfer fees apply
  • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Cash Wise Visa® Credit Card
  • Select "Apply Now" to learn more about the product features, terms, and conditions
  • See additional Wells Fargo Cash Wise Visa® Credit Card details
 APPLY NOW

at Wells Fargo's
secure site

Credit Needed
Excellent/Good
  • Purchases Intro APR
    0% for 12 months
    Balance Transfers Intro APR
    0% for 12 months
    Regular APR
    13.74%-25.74% (Variable)
    Annual Fee
    $0
    Credit Needed
    Excellent/Good
 APPLY ONLINE

at Bank of America's
secure site

Credit Needed
Excellent/Good
  • $100 cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • All 30 team cards are available, customized with your favorite team's colors and logo
  • Earn 1% cash back on every purchase, 2% at grocery stores and wholesale clubs, and 3% on gas up to the first $2,500 in combined grocery/wholesale club/gas purchases each quarter.
  • No annual fee
  • No changing categories and no expiration on rewards
  • Get a 10% customer bonus every time you redeem cash back into a Bank of America® checking or savings account
  • 0% Introductory APR for 12 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 13.49% - 23.49% variable APR. 3% fee (min $10) applies to balance transfers.
  • See additional MLB™ BankAmericard Cash Rewards™ Mastercard® details
 APPLY NOW

at Bank of America's
secure site

Credit Needed
Excellent/Good
  • Purchases Intro APR
    0% Intro APR for 12 billing cycles
    Balance Transfers Intro APR
    0% Intro APR for 12 billing cycles for balance transfers made in the first 60 days
    Regular APR
    13.49% - 23.49% Variable APR on purchases and balance transfers
    Annual Fee
    $0
    Credit Needed
    Excellent/Good
 APPLY ONLINE

at Wells Fargo's
secure site

Credit Needed
Excellent/Good
  • 0% Intro APR for 15 months on purchases and balance transfers, then a 15.90%-25.74% variable APR; balance transfer fees apply
  • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Platinum Visa® Credit Card
  • Free access to your FICO® Credit Score with Wells Fargo Online®
  • Zero Liability protection for promptly reported unauthorized transactions
  • Convenient tools to help create a budget and manage your spending with My Money Map
  • $0 Annual Fee
  • Select "Apply Now" to learn more about the product features, terms, and conditions
  • See additional Wells Fargo Platinum Visa® Credit Card details
 APPLY NOW

at Wells Fargo's
secure site

Credit Needed
Excellent/Good
  • Purchases Intro APR
    0% for 15 months
    Balance Transfers Intro APR
    0% for 15 months
    Regular APR
    15.90%-25.74% (Variable)
    Annual Fee
    $0
    Credit Needed
    Excellent/Good
 APPLY ONLINE

at Capital One's
secure site

Credit Needed
Excellent, Good
  • One-time $100 cash bonus after you spend $500 on purchases within 3 months of approval
  • 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
  • 0% intro APR on purchases for 9 months; 13.49%-23.49% variable APR after that
  • Balance transfers also have a 0% intro APR for 9 months; 13.49%-23.49% variable APR after that; a 3% fee applies to each balance transferred
  • Pay no annual fee or foreign transaction fees
  • See additional Capital One® Quicksilver® Cash Rewards Credit Card details
 APPLY NOW

at Capital One's
secure site

Credit Needed
Excellent, Good
  • Purchases Intro APR
    0% intro on purchases for 9 months
    Balance Transfers Intro APR
    0% intro on balance transfers for 9 months
    Regular APR
    13.49% - 23.49% (Variable)
    Annual Fee
    $0
    Credit Needed
    Excellent, Good
 APPLY ONLINE

at Chase's
secure site

Credit Needed
Excellent/Good
  • Unlimited 1.5% cash back on every purchase — it's automatic
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 15.49-24.24%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • Redeem for cash — any amount, anytime
  • Cash Back rewards do not expire as long as your account is open
  • No annual fee
  • See additional Chase Freedom Unlimited℠ details
 APPLY NOW

at Chase's
secure site

Credit Needed
Excellent/Good
  • Purchases Intro APR
    0% for 15 months
    Balance Transfers Intro APR
    0% for 15 months
    Regular APR
    15.49% - 24.24% Variable
    Annual Fee
    $0
    Credit Needed
    Excellent/Good
Show More Results


Compare Credit Card Offers for Excellent Credit

Updated: March 1, 2017

Card Rewards Rate Welcome Bonus Bonus Requirement
Capital One® Venture® Rewards Credit Card Unlimited 2X miles per dollar on every purchase, every day 40,000 miles Spend $3,000 on purchases within 3 months of approval
Wells Fargo Cash Wise Visa® Credit Card Unlimited 1.5% cash rewards on everyday net purchases $150 Cash Rewards Bonus Spend $1,000 in net purchases in the first 3 months
Chase Sapphire Preferred® Card 2X points on travel and dining at restaurants worldwide

1 point per dollar spent on all other purchases
50,000 Bonus Points Spend $4,000 on purchases in the first 3 months from account opening
Wells Fargo Platinum Visa® Credit Card N/A N/A N/A
Capital One® VentureOne® Rewards Credit Card Unlimited 1.25 miles per dollar on every purchase, every day 20,000 miles Spend $1,000 on purchases within 3 months of approval
BankAmericard® Credit Card N/A N/A N/A
BankAmericard Travel Rewards® Credit Card Unlimited 1.5 points per $1 spent on all purchases 20,000 Online Bonus Points Spend at least $500 on purchases in the first 90 days of account opening
Chase Freedom UnlimitedSM Unlimited 1.5% cash back $150 Bonus Spend $500 on purchases in your first 3 months from account opening
MLB™ BankAmericard Cash Rewards™ MasterCard® Earn 1% cash back on every purchase, 2% at grocery stores and now at wholesale clubs, and 3% on gas up to the first $2,500 in combined grocery/wholesale club/gas purchases each quarter $100 Cash Rewards Bonus Spend at least $500 on purchases in the first 90 days of account opening
Capital One® Quicksilver® Cash Rewards Credit Card Unlimited 1.5% cash back on every purchase, every day $100 Cash Bonus Spend $500 on purchases within 3 months of approval

Congratulations! All those good credit habits have landed your score in the 740-850 range. You’ve got options now, and it’s time to treat yourself!

Those with excellent credit have access to cards with lots of perks and signing bonuses not offered in other offers. These cards often reduce costs associated with various fees, and they can offer other warranties and protections.

Let’s take a look at some of the ways to maximize the benefits of your excellent credit score!

Rewards programs
The beauty of rewards programs is that they offer you monetary returns on your everyday spending. Thanks to your excellent credit score, you’ll have lots of these programs to choose from

To start, get an idea of where you spend your money when it comes to the essentials (gas, groceries, etc.) and the fun stuff (restaurants, vacation expenses, etc). If the math scares you, don’t worry; there are tools for that.

From there, you can understand what bonuses you can meet, and what rewards programs will maximize your existing spending in those categories. From there, you’ll have to decide what kind of rewards you want. Cash back programs offer a lower-fuss way to earn rewards, but those willing to pay the game of points and miles programs can save a lot of money, especially when it comes to travel.

Some cards offer rewards matching program for the first year as well. Keep an eye out for this potentially lucrative benefit

Finally, look for cards that offer flexibility for redeeming your rewards. If you decide on a cash back program, look for program that can offer a combination of statement credits, check payouts or online credits in a shopping portal. For rewards programs, watch out for blackout dates for miles and expiration dates on your points.

Balance transfer benefits

If you frequently carry a balance, your excellent credit can pay off big time when it comes to getting another card. Many offers for those with excellent credit come with an introductory balance transfer period, where you’ll temporarily pay no interest on a balance that your transfer to the new card. You could take as long as 18 months to pay off the balance with the right offer. Some offers may not even charge you a balance transfer fee, which is quite common otherwise.

To fee or not to fee?

You’ll find many rewards program come with an annual fee attached. Doesn’t seem like a good feature, right? Keep in mind, these cards are paying you back quite a bit of money. This is why doing your research is so important. The right decision can put all that fee money back in your pocket and then some, even when compared to no-fee rewards programs. That being said, if you are looking for no-fuss cash or points, there are plenty of no-fee offers out there.

Additionally, if you travel abroad often, make sure your card doesn’t apply a fee to foreign transactions. If you plan to transfer a balance, you may qualify for balance transfer offers without a fee. If you don’t, try to keep the fee as low as possible.