Credit Cards For Excellent Credit

Excellent credit (740-850) means excellent rewards. Browse elite offers from our partners with lower rates, better introductory offers, and exclusive perks. Find your perfect match and apply simply and securely. For even more options be sure to check out the top credit cards this month from our partners.

See offers from our partners below.

Chase Freedom®

13,427 customer reviews

Apply Now Credit Needed
Excellent/Good
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate
  • Enjoy new 5% categories each quarter
  • Unlimited 1% cash back on all other purchases - it's automatic
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.24-24.99%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open
  • No annual fee
Apply Now at Chase's
secure site
Purchases Intro APR
0% Intro APR on Purchases for 15 months
Balance Transfers Intro APR
0% Intro APR on Balance Transfers for 15 months
Regular APR
16.24% - 24.99% Variable
Annual Fee
$0
Credit Needed
Excellent/Good

Chase Freedom Unlimited®

Chase Freedom Unlimited®

8,818 customer reviews

Apply Now 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 16.24-24.99%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open
  • No annual fee
Apply Now at Chase's
secure site
Purchases Intro APR
0% Intro APR on Purchases for 15 months
Balance Transfers Intro APR
0% Intro APR on Balance Transfers for 15 months
Regular APR
16.24% - 24.99% Variable
Annual Fee
$0
Credit Needed
Excellent/Good

Capital One® Venture® Rewards Credit Card

Apply Now Credit Needed
Excellent, Good
  • Enjoy a one-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 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 won't expire for the life of the account and there's no limit to how many you can earn
  • No foreign transaction fees
  • $0 intro annual fee for the first year; $95 after that
  • Get a metal Venture Card when you apply today
Apply Now at Capital One's
secure site
Purchases Intro APR
N/A
Balance Transfers Intro APR
N/A
Regular APR
14.24% - 24.24% (Variable)
Annual Fee
$0 intro for first year; $95 after that
Credit Needed
Excellent, Good

Discover it® Cashback Match™

Discover it® Cashback Match™

25,774 customer reviews

Apply Now Credit Needed
Excellent/Good
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate.
  • Earn 1% cash back on all other purchases.
  • Intro Offer: Discover will match all the cash back earned at the end of your first year, automatically.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • Use your rewards instantly at Amazon.com checkout.
  • No annual fee.
Apply Now at Discover's
secure site
Purchases Intro APR
0% for 14 months
Balance Transfers Intro APR
0% for 14 months
Regular APR
12.24% - 24.24% Variable
Annual Fee
$0
Credit Needed
Excellent/Good
See Rates & Fees

Capital One® VentureOne® Rewards Credit Card

Apply Now Credit Needed
Excellent, Good
  • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within 3 months from account opening, 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; 13.24%-23.24% variable APR after that
  • Travel when you want with no blackout dates
  • No foreign transaction fees
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
Apply Now at Capital One's
secure site
Purchases Intro APR
0% intro on purchases for 12 months
Balance Transfers Intro APR
N/A
Regular APR
13.24% - 23.24% (Variable)
Annual Fee
$0
Credit Needed
Excellent, Good

Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

7,160 customer reviews

Apply Now 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®
  • 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
Apply Now at Chase's
secure site
Purchases Intro APR
N/A
Balance Transfers Intro APR
N/A
Regular APR
17.24% - 24.24% Variable
Annual Fee
$0 Intro for the First Year, then $95
Credit Needed
Excellent/Good

The Platinum Card® from American Express

Apply Now APPLY BY PHONE Credit Needed
Excellent/Good
  • Earn 60,000 Membership Rewards® points after you use your new Card to make $5,000 in purchases in your first 3 months.
  • Up to $200 for Uber rides annually. Credit and Uber VIP status available to Basic Card Member only.
  • 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel.
  • 5X Membership Rewards® points on eligible hotels booked on amextravel.com.
  • As a Platinum Card Member, you can enjoy access to the Global Lounge Collection, the only credit card airport lounge access program that includes proprietary lounge locations around the world.
  • Receive complimentary benefits with an average total value of $550 with Fine Hotels & Resorts. Learn More.
  • $200 Airline Fee Credit, up to $200 per calendar year in baggage fees and more at one qualifying airline.
  • Terms Apply.
Apply Now at American Express's
secure site

or call American Express at

888-851-4804
Terms Apply
Purchases Intro APR
N/A
Balance Transfers Intro APR
N/A
Regular APR
N/A
Annual Fee
$550
Credit Needed
Excellent/Good
See Rates & Fees

Wells Fargo Cash Wise Visa® Card

Apply Now Credit Needed
Excellent/Good
  • Earn a $200 cash rewards bonus after spending $1,000 in the first 3 months
  • Earn unlimited 1.5% cash rewards on purchases
  • Enjoy 1.8% cash rewards on qualified mobile wallet purchases, like Apple Pay® or Android Pay™, during the first 12 months from account opening
  • No category restrictions or sign ups and cash rewards don't expire as long as your account remains open
  • 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® Card
  • 0% Intro APR for 12 months on purchases and balance transfers, then a 14.24%-26.24% variable APR; balance transfer fees apply
  • $0 Annual Fee
  • Select "Apply Now" to learn more about the product features, terms, and conditions
Apply Now at Wells Fargo's
secure site
Purchases Intro APR
0% for 12 months
Balance Transfers Intro APR
0% for 12 months
Regular APR
14.24%-26.24% (Variable)
Annual Fee
$0
Credit Needed
Excellent/Good

Chase Sapphire Reserve℠

Apply Now Credit Needed
Excellent Credit
  • Earn 50K bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year
  • 3X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases. Plus, no foreign transaction fees
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards. For example, 50,000 points are worth $750 toward travel
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,000+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select
  • Up to $100 application fee credit for Global Entry or TSA Pre✓®
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards
Apply Now at Chase's
secure site
Purchases Intro APR
N/A
Balance Transfers Intro APR
N/A
Regular APR
17.24% - 24.24% Variable
Annual Fee
$450
Credit Needed
Excellent Credit

Citi® Diamond Preferred® Card

Apply Now APPLY BY PHONE Credit Needed
Excellent/Good
  • 0% Intro APR on balance transfers for 21 months from date of first transfer. All transfers must be completed in first 4 months. After that the variable APR will be 14.24% - 24.24%, based on your creditworthiness*
  • 0% Intro APR on purchases for 12 months from date of account opening. After that the variable APR will be 14.24% - 24.24%, based on your creditworthiness*
  • If you transfer a balance after the 0% Intro purchase APR expires, new purchases and unpaid purchase balances will automatically accrue interest until all balances, including the transferred balance, are paid in full
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater
  • $0 liability on unauthorized purchases and Citi® Identity Theft Solutions
  • No annual fee*
  • Free access to FICO® Scores*
Apply Now at Citi's
secure site

or call Citi at

877-342-7930
Purchases Intro APR
0%* for 12 months on Purchases*
Balance Transfers Intro APR
0%* for 21 months on Balance Transfers*
Regular APR
14.24% - 24.24%* (Variable)
Annual Fee
$0*
Credit Needed
Excellent/Good

Compare Credit Card Offers for Excellent Credit

Updated: January 16, 2018

Here are the Best Credit Cards for Excellent Credit in 2018:

Applicants with excellent credit are eligible for top credit card offers from issuers like Capital One, Chase, and American Express. Explore a wide array of superb cards right here on CreditCards.com; compare offers and apply today to begin earning rewards.

The best of credit delivers the best of financial opportunities, whether you are seeking sweet digs, a cool ride or just a lower insurance rate. Central to this is the Holy Grail of credit: the excellent category.

With excellent credit, you save money and headaches because lenders trust you more with their money. But how do you achieve excellent credit, and what decides that category? We explain here:

  • Credit score range for excellent credit
  • Why should I care about my credit score?
  • What should I look for in a credit card if I have excellent credit?
  • What determines excellent credit?

Learn more about excellent credit, both how to get it and what it means:

Credit score range for excellent credit

The dominant scoring model, FICO, reports that excellent credit starts at 740 out of a scale of 300-850, with 850 as the best. VantageScore, another scoring model, reports a similar range. The next highest range, good, starts at 670. If you have anything below 670, your credit options become more limited.

Why should I care about my credit score?

  1. Installment loans. The best known of credit score uses, your credit can impact not only your interest rate but even whether you can get a loan. Credit scores are used by lenders of mortgages, car loans, private student loans and other lending products.
  2. Apartments. Increasingly, landlords are looking at potential renters’ credit before making a call on accepting a lease application. If you have excellent credit, you are that much more likely to be accepted.
  3. Home insurance. An InsuranceQuotes.com study in 2014 shows that someone with fair credit may pay 29% more for home insurance than someone with excellent credit. If you have poor credit (compared to excellent credit), your premiums nearly double. Your credit-based insurance report might look at outstanding debt, length of credit history, late payments, collections, bankruptcies and new applications for credit.
  4. Auto insurance. In the same way, your auto insurance premium can be affected by your credit.
  5. Cellphone. Your cellphone provider may run a background check to ensure you can meet your obligations.
  6. Employment. Employers are increasingly running background credit checks prior to offering a job. That doesn’t mean that having a weak credit file precludes you from getting a great job; it just means that having excellent credit can be one more tool in your toolbox.
  7. Better card offers. The better your score, the more cards you are likely to qualify for. In fact, the better rewards cards require good or excellent credit.
  8. Dating prospects. A lousy score can be a deal breaker for many singles. In fact, 42% respondents said knowing someone’s score could be a deciding factor when dating, according to a Bankrate poll.

What should I look for in a credit card if I have excellent credit?

If you have excellent credit, your financial product options increase dramatically. The better credit cards, for example, expect good or excellent credit. With excellent credit, you can have your pick of travel and cashback cards, and even luxury cards. With those cards come access to airport lounges, annual travel credits, superior rewards and sign-up bonuses, and more. The better cards sometimes have an annual fee, however, although you can find them with a waived annual fee the first year. That said, with the annual fees typically come superior rewards.

What determines excellent credit?

  • Payment history. The most important aspect of your credit score is on-time payments. It makes up 35% of your FICO score, the score most used by lenders to assess your creditworthiness. This category is also the most important factor for VantageScore, the scoring model developed by the 3 major credit bureaus: Experian, Equifax and TransUnion.
  • Amounts owed. This category makes up 30% of your FICO score. It looks at the amount of credit you have available compared to the amount you owe. The amount of credit used is considered highly influential in the VantageScore model.
  • Length of credit history. How long have you had a credit file with the 3 credit bureaus? This makes up 15% of your FICO credit score and it’s highly influential with VantageScore.
  • New credit. Itching to apply for multiple credit cards in rapid succession? Don’t, because it makes up 10% of your FICO score and falls under “less influential” on VantageScore.
  • Credit mix. FICO likes it when you have different types of credit, such as revolving credit (cards) and installment credit (car loans and mortgages). It makes up 10% of your FICO score and is highly influential in VantageScore.
  • Available credit. VantageScore also has a category called “available credit” that is considered less influential. There is also a category called “total balances/debt” that falls under moderately influential.

Recap: January 2018's Best Credit Cards for Excellent Credit

CardRewards RateWelcome BonusBonus Requirement
Chase Freedom®Unlimited 1% cash back on every purchase$150 BonusSpend $500 on purchases in your first 3 months from account opening
Chase Freedom® UnlimitedUnlimited 1.5% cash back on every purchase$150 BonusSpend $500 on purchases in your first 3 months from account opening
Capital One® Venture® Rewards Credit CardUnlimited 2X miles per dollar on every purchase, every day50,000 MilesSpend $3,000 on purchases within 3 months from account opening
Discover it® Cashback Match™5% cash back at different places each quarterDiscover matches all cash back earned at end of first yearN/A
Capital One® VentureOne® Rewards Credit CardUnlimited 1.25 miles per dollar on every purchase, every day20,000 MilesSpend $1,000 on purchases within 3 months from account opening
The Business Platinum® Card from American Express OPEN5X Membership Rewards® points on flights and prepaid hotels on amextravel.com.75,000 Membership Rewards® pointsN/A
Chase Sapphire Preferred® Card2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases50,000 Bonus PointsSpend $4,000 on purchases in the first 3 months from account opening
The Platinum® Card from American ExpressEarn 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel and on eligible hotels booked on amextravel.com60,000 Membership Rewards® pointsSpend at least $5,000 in purchases in your first 3 months of account opening
Citi® Diamond Preferred® Card-0% Intro APR on balance transfers for 21 months from date of first transferAll transfers must be completed in first 4 months
The Business Gold Rewards Card from American Express OPEN3X points on 1 out of 5 categories, 2X points on remaining 4 categories, 1X points on other purchases50,000 Membership Rewards® pointsSpend $5,000 in purchases on the Card within your first 3 months of Card Membership

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