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.
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Updated: January 16, 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:
Learn more about excellent credit, both how to get it and what it means:
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.
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.
|Card||Rewards Rate||Welcome Bonus||Bonus Requirement|
|Chase Freedom®||Unlimited 1% cash back on every purchase||$150 Bonus||Spend $500 on purchases in your first 3 months from account opening|
|Chase Freedom® Unlimited||Unlimited 1.5% cash back on every purchase||$150 Bonus||Spend $500 on purchases in your first 3 months from account opening|
|Capital One® Venture® Rewards Credit Card||Unlimited 2X miles per dollar on every purchase, every day||50,000 Miles||Spend $3,000 on purchases within 3 months from account opening|
|Discover it® Cashback Match™||5% cash back at different places each quarter||Discover matches all cash back earned at end of first year||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 from account opening|
|The Business Platinum® Card from American Express OPEN||5X Membership Rewards® points on flights and prepaid hotels on amextravel.com.||75,000 Membership Rewards® points||N/A|
|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|
|The Platinum® Card from American Express||Earn 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel and on eligible hotels booked on amextravel.com||60,000 Membership Rewards® points||Spend 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 transfer||All transfers must be completed in first 4 months|
|The Business Gold Rewards Card from American Express OPEN||3X points on 1 out of 5 categories, 2X points on remaining 4 categories, 1X points on other purchases||50,000 Membership Rewards® points||Spend $5,000 in purchases on the Card within your first 3 months of Card Membership|
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