Best Credit Cards for Excellent Credit

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Excellent credit (740-850) often comes with excellent rewards. Browse the best excellent credit offers from our partners with lower rates, better introductory offers, and exclusive perks.

Excellent credit (740-850) often comes with excellent rewards. Browse the best excellent credit offers from our partners with lower rates, better introductory offers, and exclusive perks.

Blue Cash Preferred® Card from American Express

Blue Cash Preferred® Card from American Express

Our rating:4.6

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Rewards rate

6%: 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
6%: 6% Cash Back on select U.S. streaming subscriptions.
3%: 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more.
3%: 3% Cash Back at U.S. gas stations
1%: 1% Cash Back on other purchases

Intro offer: Earn $250 Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.

Annual fee: $0 intro annual fee for the first year, then $95.

Regular APR: 19.24% - 29.99% variable

Recommended credit: 670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.; Your approval oddsClicking “See your approval odds” will authorize us to run a soft credit pull, which we’ll need to estimate your approval odds. Approval Odds serve as a guide to help you find the right credit card and will never affect your credit score.

See if you’re pre-approved for this card using our CardMatch tool.

Overall rating

Our rating:4.6

Rating methodology

Rewards Value:: 5.0
Annual Percentage Rate:: 1.0
Rewards Flexibility:: 3.0
Features:: 3.0
Issuer Customer Experience: 5.0

Highlights

Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
$0 intro annual fee for the first year, then $95.
Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
Low Intro APR: 0% on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.24% - 29.99%. Variable APRs will not exceed 29.99%.
6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
6% Cash Back on select U.S. streaming subscriptions.
3% Cash Back at U.S. gas stations.
3% Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
1% Cash Back on other purchases.
Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
Get up to $120 in statement credits annually when you pay for an auto-renewing subscription to Equinox+ at equinoxplus.com with your Blue Cash Preferred® Card. That’s $10 in statement credits each month. Enrollment required.
Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Preferred® Card. Enrollment required.
Terms Apply.

Rates & Fees

Annual Fee: $0 intro annual fee for the first year, then $95.
Intro Purchase APR: 0% on purchases for 12 months
Regular APR: 19.24% - 29.99% Variable
Intro Balance Transfers APR: 0% on balance transfers for 12 months

Discover it® Cash Back

Discover it® Cash Back

Our rating:4.6

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Rewards rate

5%: Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate.
1%: Plus, earn unlimited 1% cash back on all other purchases - automatically.

Intro offer: Cashback Match Intro Offer: Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.

Annual fee: $0

Regular APR: 17.24% - 28.24% variable

Recommended credit: 670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Overall rating

Our rating:4.6

Rating methodology

Rewards Value:: 4.0
Annual Percentage Rate:: 4.0
Rewards Flexibility:: 3.0
Features:: 2.0
Issuer Customer Experience: 5.0

Highlights

Intro Offer: Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases—automatically.
Redeem your rewards for cash at any time.
Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
Get a 0% intro APR for 15 months on purchases. Then 17.24% to 28.24% Standard Variable Purchase APR applies, based on credit worthiness.
No annual fee.
Terms and conditions apply.

Rates & Fees

Annual Fee: $0
Intro Purchase APR: 0% for 15 months
Regular APR: 17.24% - 28.24% Variable APR
Intro Balance Transfers APR: 0% for 15 months

Chase Freedom Unlimited®

Chase Freedom Unlimited®

Our rating:5.0

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Rewards rate

5%: Enjoy 5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
3%: 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service
1.5%: 1.5% on all other purchases

Intro offer: Up to $300 cash back Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel, 4.5% on dining and drugstores, and 3% on all other purchases.

Annual fee: $0

Regular APR: 20.49% - 29.24% variable

Recommended credit: 670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Overall rating

Our rating:5.0

Rating methodology

Rewards Value:: 5.0
Annual Percentage Rate:: 2.0
Rewards Flexibility:: 5.0
Features:: 3.0
Issuer Customer Experience: 4.0

Highlights

Intro Offer: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
Enjoy 6.5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
Member FDIC

Rates & Fees

Annual Fee: $0
Intro Purchase APR: 0% Intro APR on Purchases for 15 months
Regular APR: 20.49% - 29.24% Variable
Intro Balance Transfers APR: 0% Intro APR on Balance Transfers for 15 months

Capital One Quicksilver Cash Rewards Credit Card

Capital One Quicksilver Cash Rewards Credit Card

Our rating:3.7

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Rewards rate

5%: Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
1.5%: Earn unlimited 1.5% cash back on every purchase, every day

Intro offer: $200 Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening

Annual fee: $0

Regular APR: 19.99% - 29.99% variable

Recommended credit: 670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.; Your approval oddsClicking “See your approval odds” will authorize us to run a soft credit pull, which we’ll need to estimate your approval odds. Approval Odds serve as a guide to help you find the right credit card and will never affect your credit score.

Overall rating

Our rating:3.7

Rating methodology

Rewards Value:: 2.3
Annual Percentage Rate:: 1.0
Rewards Flexibility:: 5.0
Features:: 3.0
Issuer Customer Experience: 4.0

Highlights

Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
Earn unlimited 1.5% cash back on every purchase, every day
$0 annual fee and no foreign transaction fees
Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; balance transfer fee applies

Rates & Fees

Annual Fee: $0
Intro Purchase APR: 0% intro on purchases for 15 months
Regular APR: 19.99% - 29.99% (Variable)
Intro Balance Transfers APR: 0% intro on balance transfers for 15 months

Bank of America® Customized Cash Rewards credit card

Bank of America® Customized Cash Rewards credit card

Our rating:4.4

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Rewards rate

3%: Earn 3% cash back in the category of your choice (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases).
2%: Earn automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases).
1%: Earn unlimited 1% on all other purchases.

Intro offer: $200 $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.

Annual fee: $0

Regular APR: 19.24% - 29.24% Variable APR on purchases and balance transfers

Recommended credit: 670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.; Your approval oddsClicking “See your approval odds” will authorize us to run a soft credit pull, which we’ll need to estimate your approval odds. Approval Odds serve as a guide to help you find the right credit card and will never affect your credit score.

Overall rating

Our rating:4.4

Rating methodology

Rewards Value:: 3.3
Annual Percentage Rate:: 3.0
Rewards Flexibility:: 2.3
Features:: 3.0
Issuer Customer Experience: 5.0

Highlights

$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.
Choose 3% cash back on gas and EV charging station, online shopping/cable/internet/phone plan/streaming, dining, travel, drug store/pharmacy or home improvement/furnishings purchases.
If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more cash back on every purchase. That means you could earn 3.75%-5.25% cash back on purchases in your choice category.
No annual fee and cash rewards don’t expire as long as your account remains open.
0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 19.24% - 29.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
Contactless Cards - The security of a chip card, with the convenience of a tap.
This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

Rates & Fees

Annual Fee: $0
Intro Purchase APR: 0% Intro APR for 15 billing cycles for purchases
Regular APR: 19.24% - 29.24% Variable APR on purchases and balance transfers
Intro Balance Transfers APR: 0% Intro APR for 15 billing cycles for any BTs made in the first 60 days. A fee of 3% for 60 days from account opening, then 4% will apply.