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Having an excellent credit score means having your pick of the very best financial products and services. The range of credit cards available to those with excellent credit tend to have the lowest interest rates, lucrative introductory offers, high rewards, and top-of-the-line luxury perks.
Once you’ve chosen a card that best aligns with your spending habits, it’s important to maintain your excellent credit. Aside from paying your bills on time and carrying a minimal balance, that also includes strategic measures such as consolidating smaller debts and making sure your overall debt doesn’t exceed 20% of your annual income. Below you’ll find the steps you can take to keep your credit score excellent as well as the high-end cards that can help you along the way.
Having an excellent credit score means having your pick of the very best financial products and services. The range of credit cards available to those with excellent credit tend to have the lowest interest rates, lucrative introductory offers, high rewards, and top-of-the-line luxury perks.
Once you’ve chosen a card that best aligns with your spending habits, it’s important to maintain your excellent credit. Aside from paying your bills on time and carrying a minimal balance, that also includes strategic measures such as consolidating smaller debts and making sure your overall debt doesn’t exceed 20% of your annual income. Below you’ll find the steps you can take to keep your credit score excellent as well as the high-end cards that can help you along the way.
Our rating:3.7
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
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
At A Glance
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
19.49% - 29.49% 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.
Our rating:4.6
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
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
At A Glance
Intro offer
Earn $250
Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.
Annual fee
$0 intro annual fee for the first year, then $95.
Regular APR
18.49% - 29.49% 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.
See if you’re pre-approved for this card using our CardMatch tool.
Our rating:4.6
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
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.
At A Glance
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
18.49% - 27.49% Variable APR *Rates as of December 12, 2024.
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.
*All information about the Chase Freedom Flex, Bank of America® Customized Cash Rewards credit card, and the American Express® Green Card has been collected independently by CreditCards.com and has not been reviewed by the issuer.
Compare the best credit cards for excellent credit of 2024
Excellent Credit Card
Best for…
Card Highlights
Annual Fee
CreditCards.com Rating
Capital One Quicksilver Cash Rewards Credit Card
Simple rewards
Unlimited 1.5% cash back on all purchases
Cash back can be redeemed automatically at a set amount or date
6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%) and on select U.S. streaming subscriptions, 3% cash back on transit and at U.S. gas stations
4X Membership Rewards points at restaurants worldwide (on up to $50,000 in purchases per year, then 1X points), and at U.S. supermarkets (on up to $25,000 in purchases per year, then 1X points)
Applicants with excellent credit are eligible for top credit card offers from issuers like Capital One, Chase, and American Express.
Editor’s picks: Credit cards for excellent credit details
Best for simple rewards: Capital One Quicksilver Cash Rewards Credit Card
Best features: A straightforward card with a simple rewards structure, the Quicksilver from Capital One frees you up from having to keep track of rotating categories. Instead, you can use the Quicksilver to earn 1.5% cash back on every purchase and automatically redeem your rewards at a set amount or on a certain date.
Biggest drawbacks: Like other flat-rate cash back cards, the Quicksilver card may not be the most valuable standalone option since you can’t maximize your rewards in many of the most popular spending categories. Several competing cards earn rewards at more than double this card’s rate in specific bonus categories like groceries and gas.
Alternatives: The Citi Double Cash® Card does offer a higher cash back rate of up to 2 percent cash back on all purchases: that’s 1% cash back when you spend and another 1% when you pay your bill.
Bottom line: The Quicksilver is an unfussy card for anyone hoping to earn consistent, unlimited cash rewards while avoiding foreign transaction fees (See rates and Fees). However, for someone hoping to maximize earnings, plenty of other cards offer a higher rewards rate.
Best for groceries and gas: Blue Cash Preferred® Card from American Express
Best features: This card offers a terrific cash back rate on U.S. supermarket purchases that easily makes it one of the best credit cards for groceries on the market. Its rate on U.S. gas station and transit purchases is also rewarding enough for the card to rank among the top cards for gas and public transport.
Biggest drawbacks: Though it should be easy for most shoppers to offset, the card’s ongoing $95 annual fee ($0 intro annual fee for the first year) may be a tough sell for some. Modest spenders may prefer the Blue Cash Everyday® Card from American Express as a no-annual-fee alternative.
Alternatives: Depending on your spending habits, the Capital One Savor Cash Rewards Credit Card may be more rewarding since it charges no annual fee (See rates and Fees) and carries an unlimited 3% cash back on entertainment, dining and grocery store purchases (excluding superstores like Walmart® and Target®).
Bottom line: If the Blue Cash Preferred’s tiered categories are ones that you find yourself often using, this is a card that can earn you significant rewards at the pump and help you save on groceries.
Best features: This card earns generous cash back in a wide range of rotating quarterly categories, typically including everything from online shopping and gym memberships to dining and gas. Its high cash back rate and category variety can also make the Discover Cashback Match™ an especially valuable offer at the end of your first year.
Biggest drawbacks: If planning purchases and tracking categories sound like more trouble than they’re worth, this card may not be the best fit.
Alternatives: The Chase Freedom Flex® may be appealing if you like the advantages of a rotating category card but want a bit more consistency. The Freedom Flex not only offers a similar mix of quarterly categories, but also sweetens the deal with excellent benefits and year-round 3% back on dining and drugstore purchases.
Bottom line: If you want to maximize your rewards, the Discover it® Cash Back is a good choice. With opportunities to earn a high cash back rate in rotating categories, a lengthy intro APR offer on purchases and balance transfers and no annual fee, this is a well-rounded top-rate card. It can be an everyday option for attentive cardholders or a great card to pair for someone wanting to supplement their current rewards.
Best for everyday travel: American Express Green Card
Best features: Its expanded travel category includes campgrounds, cruises, tours, and more. Plus, it comes with LoungeBuddy and CLEAR Plus membership statement credits that can make traveling more comfortable and streamlined.
Biggest drawbacks: The American Express Green Card has a $150 annual fee that may be hard to offset if you’re only interested in the card’s commuting, alternative travel and dining rewards rates.
Alternatives: The Wells Fargo Autograph℠ Card rewards category also covers commuting purchases — like gas stations and transit — without charging an annual fee.
Bottom line: The Amex Green Card is a great option for frequent, everyday travelers, especially if you’re already loyal to American Express. Its rewards in dining, travel, and transit can be lucrative for commuters who take advantage of all the card’s features.
Best standalone rewards card: Chase Freedom Unlimited®
Best features: An unlimited 1.5% flat-rate cash back rate and stellar perks make the Chase Freedom Unlimited an impressive no-annual-fee option if you prefer sticking to one card for all your spending. It may even have an edge over 2% flat-rate cash back cards since it also carries 3% back at restaurants and drugstores. It can also be an exceptional partner card if you decide to get a Chase Ultimate Rewards card down the line.
Biggest drawbacks: A 3% foreign transaction fee could potentially put off travelers, and the drugstore bonus category may not be the most lucrative.
Alternatives: If you’d rather have a higher flat rewards rate on general purchases than bonus cash back on dining, travel and drugstore purchases, the Citi Double Cash card could be more lucrative since it earns up to 2% cash back on all purchases (1% when you buy, 1% when you pay off purchases).
Bottom line: With a great rewards rate on general purchases and multiple opportunities to earn boosted cash back, the Freedom Unlimited could be a valuable standalone rewards card for nearly any type of spender.
Best for flat-rate rewards: Citi Double Cash® Card
Best features: Instead of earning just 1.5% cash back like several other flat-rate cards, this card earns up to 2% cash back on all purchases (1% when you buy and 1% when you pay off purchases). The Double Cash card is also a stand-out pick if you’re consolidating debt because it’s one of the few rewards cards to offer a long intro APR on balance transfers.
Biggest drawbacks: There is no introductory APR for purchases, so if you’d like some time to pay off an upcoming purchase without accruing any interest, you should go a different route.
Bottom line: Anyone who prefers a streamlined cash back program will appreciate this straightforward rewards card. Plus, the intro APR offer is ideal for anyone thinking about a balance transfer.
Best for dining and entertainment: Capital One Savor Cash Rewards Credit Card
Best features: The Savor card can earn you a hearty helping of cash back on many of your meals thanks to its $0 annual fee (See rates and Fees) and terrific mix of practical bonus categories, including dining and grocery store purchases. It’s also one of the only cards that rewards entertainment purchases.
Biggest drawbacks: Though this card earns rewards at a solid rate in a variety of everyday bonus categories, other cards offer higher rates in individual categories like groceries and gas.
Alternatives: The Wells Fargo Autograph℠ Card also offers a solid cash rewards rate across multiple everyday spending categories, including 3X points at restaurants and at gas stations. While it falls short when it comes to grocery rewards, the Autograph can be a great supplemental option if you already have a dedicated grocery rewards card and want to cover dining and everyday travel with a single card.
Bottom line: If you’re looking for a card with excellent rewards for dining and entertainment, this is one of the best no-annual-fee (See rates and Fees) cards available.
Best for online shopping: Blue Cash Everyday® Card from American Express
Best features: This card’s cash back program is excellent for a variety of major day-to-day expenses, including U.S. supermarket and U.S. gas stations purchases, making it a solid standalone rewards option. It’s also one of the few cards that rewards online shopping, which could be an especially valuable category due to how comprehensive it is.
Biggest drawbacks: You’ll only earn 3% back on the first $6,000 spent on your U.S. supermarket, U.S. gas station and U.S. online retail purchases each year (after which your rate drops to 1% back). If you spend heavily in these categories, this cap could make the Blue Cash Everyday less rewarding than even a card that charges an annual fee (like the Blue Cash Preferred).
Alternatives: If you’re looking for a little more flexibility with your cash back categories, you may prefer the Bank of America® Customized Cash Rewards credit card, which earns bonus cash back in an eligible category of your choice, as well as on groceries and wholesale club purchases. You can swap out your chosen bonus category once per calendar month and pick from a variety of popular options, including gas, dining, online shopping and more. You should note that there is a cap on combined quarterly purchases with these two bonus categories.
Bottom line: This card’s low cost and practical bonus categories should make it a valuable everyday rewards option, especially if you do a lot of online shopping.
Best features: This card not only earns rewards at an impressive rate on restaurants worldwide, U.S. supermarkets and flights, but also earns some of the most valuable travel rewards on the market. It also offers exceptional value for foodies with hundreds in annual dining and food delivery credits.
Biggest drawbacks: The card’s $325 annual fee will be hard to justify if you don’t use its credits or spend a significant amount on flights, dining or at U.S. supermarkets.
Alternatives: If the Amex Gold isn’t worth it based on your spending habits, consider the Capital One Savor card instead. Another foodie-focused cash back card, the Savor earns 3% back on dining, entertainment, streaming service and grocery store categories — one of the most generous rates available in these categories on a no-annual-fee (See rates and Fees) cash back card.
Bottom line: If you use its dining credits and spend big at restaurants, U.S. supermarkets and flights, you’ll likely earn enough rewards to make the Amex Gold worth it.
Best for balance transfers: Citi® Diamond Preferred® Card
Best features: This card carries one of the longest intro APR offers available on balance transfers, giving you plenty of breathing room to chip away at debt while minimizing interest.
Biggest drawbacks: The card carries a 5% fee for balance transfers ($5 minimum), which is on the high end for a card in this category. This could prove costly, especially if you’re transferring a large balance. You also won’t earn rewards with this card, so it’s really only a good option for those who want to pay off debt.
Alternatives: If earning rewards is a must, you might prefer the Citi Double Cash Card. It not only offers an impressive intro APR offer, but also up to 2% cash back on every purchase (1% when you buy and another 1% when you pay off purchases).
Bottom line: If you’re planning a balance transfer, the Citi Diamond Preferred can help out with its lengthy introductory period.
Best features: Citi’s unique round-up feature is what makes this card special. The rewards for all purchases get rounded up to the nearest ten. For example, if you bought a snack at the supermarket for $6, you would earn 2X points, so 12. Then the 12 points would be rounded up to 20. With this setup, it’s easy to see how rewards on small purchases can stack up quickly.
Biggest drawbacks: The points you earn are only worth their full 1-cent value when you redeem toward gift cards and travel, and you can’t utilize Citi transfer partners to squeeze more value from your rewards.
Alternatives: The Citi Double Cash earns up to 2% cash back on all purchases (1% when you buy and 1% when you pay off purchases), so it may be more rewarding as a standalone card. Meanwhile, the Citi Strata Premier℠ Card may offer more rewards value despite its $95 annual fee. It racks up unlimited 3X points on a wider range of popular everyday expenses than the Citi Rewards+ and lets you leverage transfer partners or get a full 1-cent-per-point redemption value toward cash back.
Bottom line: Considering there’s no annual fee, this is a solid choice for someone who values simplicity and wants to earn points on everyday purchases. However, its limited redemption options and categories mean it may work best as a secondary rewards card.
Best travel card for savers: Bank of America® Premium Rewards® credit card
Best features: This card comes with a decent rewards rate on travel and dining, an above-average flat rate on general purchases and up to $100 in annual airline incidental credits — enough to easily cover the card’s annual fee. Plus, if you qualify for Platinum status with the Bank of America Preferred Rewards® program, you’ll earn perhaps the best flat travel rewards rate on the market.
Biggest drawbacks: The card’s base rewards rates are relatively low and you can’t transfer points to airline or hotel partners. Plus, the annual airline credits only cover incidental expenses like seating upgrades, baggage fees and in-flight purchases — not major costs like airfare.
Alternatives: Several other travel cards offer better travel perks, rewards rates and redemption values for a $95 annual fee. For example, the Citi Strata Premier℠ Cardoffers an arguably more useful annual credit than the Premium Rewards card: A $100 benefit on hotel stays of $500 or more each year (excluding taxes and fees). The card also earns more points on dining, air travel and hotels, plus rewards at supermarkets and gas stations.
Bottom line: This card can be a solid standalone option for occasional travelers. It doesn’t deliver the most value for its annual fee, but it’s easy to manage and could earn at an impressive rate via the Bank of America Preferred Rewards program.
The answer to this question varies from lender to lender. Each lender decides what an “excellent” credit score range is and what constitutes a risk. Lenders depend on credit scoring agencies to assign scores to potential customers. The scores from FICO and VantageScore are the most frequently used, and each has its own ranges and threshold for excellent credit. A FICO score of 800 to 850 is considered exceptional and a VantageScore of 781 to 850 is considered excellent.
If you’re sitting in the good credit range and not sure whether there’s a reason to improve your score, think again. At first glance, there may not seem to be much difference between good and excellent credit, but a deeper look will reveal that an excellent score will qualify you for better interest rates and credit cards.
On top of peace of mind, excellent credit can save you hundreds, even thousands of dollars by landing you a lower interest rate and better terms, particularly with car loans and mortgages. That’s because lenders deem you to be more credit-worthy when your score is outstanding. In the case of credit cards, a better score will help get you a lower rate on the range of the card’s variable APR.
Also, your options can open up and you can access premium cards with top-notch rewards. For example, the Chase Sapphire Reserve® only accepts excellent credit. This is a high-end card with a pricey annual fee, but it is also packed with superior rewards and benefits.
Credit card perks with excellent credit
Rewards: While even credit cards for bad credit can offer rewards, the rewards steadily improve as your credit improves and you qualify for better cards. Sign-up bonuses are higher and ongoing rewards can earn you hundreds of dollars a year if you use them correctly.
Benefits: Benefits for the cardholder with excellent credit can include airport lounge access, annual credits for travel, reduction in travel fees and even shopping at exclusive retailers. There can also be numerous shopping and travel benefits such as extended warranties and car rental insurance.
Types of cards: With good or excellent credit, your options open up considerably to include cards with 0% APR, loyalty cards like airline and hotel cards, business cards, even luxury cards with exceptional benefits.
Interest rates: There are a few things you should do once you achieve excellent credit, including doing a loan check to see if you can get better rates, including calling your card issuers.
Higher available credit: Also, a better credit score can get you higher credit limits, which not only give you access to more money, but also can improve your score further by lowering your credit utilization ratio.
The advantages to having excellent credit are numerous, from superior rewards and welcome bonuses, to convenient benefits that can save you time and hassle. There are also some advantages that may not have occurred to you, such as being able to get a credit limit increase.
Tips to maintain excellent credit
Whether you’re looking to maintain your excellent credit or improve your credit score, keep the following in mind:
Freeze your credit reports. It’s now free – and advisable – to freeze your three credit reports to help prevent identity theft and misuse of your personal identification.
Make multiple payments in a month. Since you won’t know when card issuers report to the credit bureaus, it’s a good idea to pay at least two times a month, even if you pay in full each month. That increases the likelihood that your balance will be low, possibly lowering your utilization ratio whenever the credit scoring models pull your information.
Apply for loans in a short amount of time. FICO scoring models only count up to three loan inquiries as one when they are made in a short period of time, as little as 14 days and as much as 45 days. This includes mortgages, student loans and auto loans but not credit cards.
Consolidate balances. Credit expert John Ulzheimer notes that when you carry small balances, it’s best to consolidate them “because you’re penalized for having too many accounts with a balance. It’s better to have fewer accounts with a balance than more accounts. So to the extent you can use fewer cards for the same purchases, the better you’ll be.”
Plan out loans. Strategize several months out before taking out an auto loan or a mortgage so that you don’t have large balances on your cards and you don’t take out new cards.
Follow the 20/10 Rule. This rule of thumb advises that you not let your card debt exceed more than 20% of your total yearly income after taxes and that you not have more than 10% of your monthly take-home pay in credit card payments.
Notify your bank of a move. Make sure you notify your card issuers and other lenders of address or email changes so that you get your statement in a timely manner.
Stay in touch with creditors. If you are late on a payment or can’t pay, reach out to your creditor and see what alternative payment plans they might offer. Sometimes just calling and negotiating can lead to better terms.
How we picked the best excellent credit cards
Methodology: We analyzed 1,526 of the top credit cards on the market to narrow down a selection of the best choices. Core criteria we considered in our analysis include:
Base rewards program: How well is your spending rewarded? We identified cards at the top of their class when it comes to competitive rewards. These earnings span across a variety of categories (cash back, travel, gas, dining, entertainment, etc.).
Introductory offers: Many cards provide enticing rewards for opening an account, such as a welcome offer of 0% APR on your purchases and/or balance transfers for a period of time, or a lucrative sign-up bonus after eclipsing a certain spending requirement in the first few months. Some of the best cards offer both. We looked to find the best welcome offers and sign-up bonuses available.
Extra benefits: Does the card include any luxury benefits often seen with elite cards? Perks like airport lounge access, sizable statement credits, baggage insurance and more are featured with some top options.
Annual fee: Does the card have an annual fee? A few of the top rewards cards carry hefty annual fees, but the rewards programs and other offerings can make up for these tenfold.
Redemption options: How much are points worth? Is the redemption process easy? Are there worthwhile redemption options? Some structures can be difficult and lacking in value, so we seek out the top choices when it comes to capitalizing on your spending.
More information on credit cards for excellent credit
For more information on credit cards for excellent credit and their capabilities, continue reading content from our credit card experts:
Generally speaking, a higher credit score can translate to savings, perks and more favorable interest rates. Here are some steps you can take to get an excellent credit score:
Always make your payments on time and set up automatic payments if necessary. Payment history is one of, if not the most influential factor in boosting your credit score for FICO and VantageScore.
Optimize your credit utilization ratio, which is the balances you owe on your credit cards relative to the credit limits of your card. Ideally, you’ll want to keep this below 30%, which applies to each individual card and your total ratio.
Monitor your credit score and dispute any potential inaccuracies. It’s important to keep an eye on your credit scores and take advantage of monitoring services. If you spot any errors, you can send a written dispute letter to all three credit bureaus and have it investigated.
Diversify your credit mix and take advantage of low interest loans you can pay off consistently. While a smaller factor in the overall makeup of one’s credit score, the credit mix demonstrates your ability to responsibly manage different types of financing, from credit cards to secured loans like mortgages or personal loans.
While you can build up enough credit history in less than a year to receive a credit score, it can take years of smart credit use and on-time payments to get an excellent credit score. This is because lenders want to see good habits and financial behaviors over time, which is a major component of what FICO and VantageScore take into account.
If you have excellent credit, you likely already have solid credit card habits. Here are a few key tips worth remembering to optimize your experience and maintain your top-notch credit score:
If someone you trust is trying to build or establish credit, consider adding them as an authorized user on your card. This could give them a path to a higher credit score while channeling extra rewards into your account.
Review cards on the market periodically to be sure new rewards cards that suit your lifestyle aren’t passing you by.
By keeping a card that doesn’t serve your needs, like a card with an annual fee that you don’t really use, you’re not taking full advantage of your excellent credit. If it’s an older card that you want to keep to continue to build your credit, you can ask for the annual fee to be waived, or you can ask for the card to be downgraded to a no annual fee card.
There’s nothing in the credit rule book that says mortgage payments or student loans are more important to your credit than card debt. Everything matters, and you need to be sure to pay everything on time, every time. One missed payment can quickly drop your score.
Don’t suddenly begin to pay less or charge more. That can indicate to your card issuer that you are having credit issues.
About the Author
Joey Robinson
Joey Robinson is a credit cards writer for CreditCards.com and has worked at a “Big Four” (Ernst & Young) accounting firm before exploring the world of credit cards. After learning proper professional and financial practices through federal audits, he moved on to his second job, where he was introduced to CreditCards.com/Bankrate as a data analyst. As time passed, his interests drifted away from data analysis and into the communication of credit card essentials. Over the past two years, he’s shared his expertise and has brought understanding to complex topics as a writer and editor for sites like CreditCards.com, Bankrate.com and NextAdvisor. His advice on avoiding common credit card fees, top balance transfer tactics and more financial tips have been featured on MSN Money and other various news publications.
About the Editor
Tracy Stewart
Tracy Stewart is a personal finance writer specializing in credit card loyalty programs, travel benefits, and consumer protections. He previously covered travel rewards credit cards, budget travel, and aviation news at SmarterTravel Media. His money-saving tips have appeared in the Washington Post, the Wall Street Journal, Consumer Reports, MarketWatch, Vice, People, the Zoe Report and elsewhere.
About the Reviewer
Jason Steele
Jason Steele is a professional journalist and credit card expert who has been contributing to online publications since 2008. He was one of the original contributors to The Points Guy, and his work has been appearing there since 2011. He has also contributed to over 100 of the leading personal finance and travel outlets. He’s frequently interviewed and quoted by mainstream outlets on the subjects of credit cards and travel. Jason is passionate about travel rewards credit cards, which he uses to earn rewards that he can redeem for him and his family to travel around the world. Jason is also the founder and producer of CardCon, a conference for credit and credit card journalists that’s held annually.
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CreditCards.com is an independent, advertising-supported comparison service. The offers that appear on this site are from companies from which CreditCards.com receives compensation. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within listing categories. Other factors, such as our own proprietary website rules and the likelihood of applicants' credit approval also impact how and where products appear on this site. CreditCards.com does not include the entire universe of available financial or credit offers. CCDC has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover.
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Since 2004, CreditCards.com has worked to break down the barriers that stand between you and your perfect credit card. Our team is made up of diverse individuals with a wide range of expertise and complementary backgrounds. From industry experts to data analysts and, of course, credit card users, we’re well-positioned to give you the best advice and up-to-date information about the credit card universe.
Let’s face it — there’s a lot of jargon and high-level talk in the credit card industry. Our experts have learned the ins and outs of credit card applications and policies so you don’t have to. With tools like CardMatch™ and in-depth advice from our editors, we present you with digestible information so you can make informed financial decisions.
Our top goal is simple: We want to help you narrow down your search so you don’t have to stress about finding your next credit card. Every day, we strive to bring you peace-of-mind as you work toward your financial goals.
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