Credit Cards For Excellent Credit

Excellent credit (740-850) means excellent rewards. Browse top 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.

Charity Charge World MasterCard® Credit Card

Apply Now Credit Needed
Good/Excellent
  • Donate your cash back to any nonprofit or religious organization of your choice.
  • Earn an unlimited 1% cash back that's automatically donated on your behalf through your everyday purchases.
  • No Annual Fee.
  • An easy way to make a difference (at no cost to you).
  • 100% Tax-Deductible.
  • Low APR between Prime + 6.99%-16.99% dependent on creditworthiness. Balance transfer fee of either $10 or 5% of the amount of each Balance Transfer, whichever is greater.
  • Receive all the benefits of a World MasterCard such as: extended warranty, MasterCard global service, concierge services, ID theft protection, price guarantee, and many more exclusive services.
  • Chip and Apple Pay enabled.
Apply Now at Charity Charge's
secure site
Purchases Intro APR
1.99% for 6 monthly billing cycles
Balance Transfers Intro APR
1.99% for 6 monthly billing cycles
Regular APR
11.24%-21.24% (Variable)
Annual Fee
$0
Credit Needed
Good/Excellent

Barclaycard Ring™ Mastercard®

Apply Now Credit Needed
Excellent Credit
  • A low, variable APR on purchases, balance transfers and cash advances
  • No annual fee
  • No balance transfer fees
  • No foreign transaction fees
  • Chip technology, so paying for your purchases is more secure at chip-card terminals in the U.S. and abroad
  • Free online access to FICO® Credit Score
Apply Now at Barclaycard's
secure site
Purchases Intro APR
N/A
Balance Transfers Intro APR
N/A
Regular APR
10.24% Variable
Annual Fee
$0
Credit Needed
Excellent Credit

The Plum Card® from American Express OPEN

Apply Now Credit Needed
Excellent Credit
  • Paying early pays off: Get a 1.5% discount when you pay early, with no cap on what you can earn back.
  • Take up to 60 days to pay with no interest, if you pay your minimum due.
  • Use the power of the Plum Card to buy big for your business.
  • Unlock new opportunities with a spending limit that can grow with your business.
  • Additional Employee Cards at no annual fee — and an early pay discount on employee spending.
  • No Foreign Transaction Fees.
  • Introductory annual fee of $0 for the first year, then $250
  • Terms & Restrictions Apply.
Apply Now at American Express's
secure site
Terms Apply
Purchases Intro APR
N/A
Balance Transfers Intro APR
N/A
Regular APR
N/A
Annual Fee
$0 introductory annual fee your first year, then $250
Credit Needed
Excellent Credit
See Rates & Fees

Bank of America® Premium Rewards® Credit Card

Apply Now Credit Needed
Excellent/Good
  • Receive 50,000 bonus points- a $500 value – after you make at least $3,000 in purchases in the first 90 days of account opening.
  • Earn unlimited 2 points for every $1 spent on travel and dining purchases and unlimited 1.5 points per $1 spent on all other purchases
  • If you're a Bank of America Preferred Rewards client, you can get a 25%-75% rewards bonus on every purchase.
  • No limit to the points you can earn and your points don't expire
  • Flexibility to redeem for a statement credit, deposit into eligible Bank of America® or Merrill Lynch® accounts like checking, savings, and 529, for gift cards or use at the Bank of America Travel Center.
  • Get up to $200 in combined airline incidental and airport expedited screening statement credits + valuable travel insurance protections
  • No Foreign Transaction Fees
  • Low $95 annual fee
Apply Now at Bank of America's
secure site
Purchases Intro APR
N/A
Balance Transfers Intro APR
N/A
Regular APR
17.24% - 24.24% Variable APR on purchases and balance transfers
Annual Fee
$95
Credit Needed
Excellent/Good

U.S. Bank Altitude™ Reserve Visa Infinite® Card

Apply Now Credit Needed
Excellent Credit
  • Exclusive to U.S. Bank customers
  • New Cardmember Bonus: 50,000 bonus points worth $750 on travel when you spend $4,500 in eligible net purchases within the first 90 days of account opening
  • Up to $325 annual statement credits for eligible net travel purchases
  • Earn 3X points for every $1 on eligible net travel purchases & mobile wallet spending
  • Complimentary Gogo® Inflight Wi-Fi - get 12 passes per year
  • Airport Lounge Access to 1,000+ Priority PassTM lounges worldwide
  • See Rates & Fees
Apply Now at U.S. Bank's
secure site
Purchases Intro APR
N/A
Balance Transfers Intro APR
N/A
Regular APR
16.99% (Variable)
Annual Fee
$400
Credit Needed
Excellent Credit
See Rates & Fees

Mastercard® Titanium Card™

Apply Now Credit Needed
Excellent Credit
  • Brushed Stainless Steel - Patented Card Design
  • Luxury Card Rewards Program
  • 2% Value for Airfare Redemptions
  • 1% Value for Cash Back Redemptions
  • 24/7 Luxury Card Concierge™
  • Exclusive Luxury Card Travel Benefits
  • Members-Only LUXURY MAGAZINE
  • Annual Fee: $195 ($95 for each Authorized User)
Apply Now at Luxury Card's
secure site
Purchases Intro APR
N/A
Balance Transfers Intro APR
0% introductory APR for the first fifteen billing cycles on balance transfers made in the first 45 days
Regular APR
16.24% Variable
Annual Fee
$195
Credit Needed
Excellent Credit

Susan G. Komen® Cash Rewards Visa® credit card from Bank of America

Apply Now Credit Needed
Excellent/Good
  • $150 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • From June 2015 through December 2020, Bank of America is guaranteeing to Susan G. Komen® $3 million in conjunction with its Pink Ribbon Banking credit card and checking program.
  • Susan G. Komen® has received more than $8 million from Bank of America from this program since 2009.
  • Earn 1% cash back on every purchase, 2% at grocery stores and wholesale clubs, and 3% on gas for 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 your 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, 14.24% - 24.24% Variable APR. 3% fee (min $10) applies to balance transfers.
Apply Now at Bank of America's
secure site
Purchases Intro APR
0% Introductory APR on purchases 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
14.24% - 24.24% Variable APR on purchases and balance transfers
Annual Fee
$0
Credit Needed
Excellent/Good

MLB™ Cash Rewards Mastercard® from Bank of America

Apply Now Credit Needed
Excellent/Good
  • $150 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 for 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, 14.24% - 24.24% variable APR. 3% fee (min $10) applies to balance transfers
Apply Now at Bank of America's
secure site
Purchases Intro APR
0% Introductory APR on purchases 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
14.24% - 24.24% Variable APR on purchases and balance transfers
Annual Fee
$0
Credit Needed
Excellent/Good

Capital One® Quicksilver® Cash Rewards Credit Card

Apply Now Credit Needed
Excellent, Good
  • One-time $150 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
  • Use your Quicksilver card and get 50% back as a statement credit on your monthly Spotify Premium subscription, now through April 2018
  • 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 for 9 months; 14.24%-24.24% variable APR after that
  • Balance transfers also have a 0% intro APR for 9 months; 14.24%-24.24% variable APR after that; a 3% fee applies to each balance transferred
  • Pay no annual fee or foreign transaction fees
Apply Now at Capital One's
secure site
Purchases Intro APR
0% intro on purchases for 9 months
Balance Transfers Intro APR
0% intro on balance transfers for 9 months
Regular APR
14.24% - 24.24% (Variable)
Annual Fee
$0
Credit Needed
Excellent, Good

Blue Cash Preferred® Card from American Express

Apply Now Credit Needed
Excellent,Good
  • $200 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • 6% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%) - that means spending $60 a week at U.S. supermarkets could earn over $180 back per year.
  • 3% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
  • Low intro APR: 0% for 12 months on purchases and balance transfers, then a variable rate, currently 14.24% to 25.24%.
  • Expanding merchant acceptance: Over 1 million more places in the U.S. started accepting American Express® Cards in the last year.
  • $95 annual fee.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • Terms Apply.
Apply Now at American Express's
secure site
Terms Apply
Purchases Intro APR
0% on Purchases for 12 months
Balance Transfers Intro APR
0% on Balance Transfers for 12 months
Regular APR
14.24%-25.24% Variable
Annual Fee
$95
Credit Needed
Excellent,Good
See Rates & Fees

Comparing Credit Card Offers for Excellent Credit

Updated: February 7, 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.

Cards that require excellent credit can be among the best in the market. They can also be among the most expensive by way of an annual fee (but not always). Travel cards, cashback cards, balance transfer cards – the options are plentiful. Want to learn more? Here, we look at:

  • What is an excellent credit score?
  • What determines an excellent credit score?
  • How to pick the best card for excellent credit?
  • How to keep my credit score excellent?

What is an excellent credit score?

When you have an excellent credit score, it means that you will likely get the best lending terms. On a range of 300-850, an exceptional FICO score is 800+, while an excellent VantageScore is 750+. You can expect to get the best lending products with a score of at least 750, regardless of the scoring model.

What determines an excellent credit score?

  1. Payment history. The most important aspect of your FICO credit score is whether you pay on time. With a long history of on-time payments, your score flourishes. But one late payment can cause your score to drop quickly, even to the next tier. This is also an extremely influential category for your VantageScore.
  2. Amount owed. The second most important element of your FICO score has to do with how much available credit you have compared to your debt, or your utilization ratio. You want to have a ratio as close to 0% as possible. The ratio is highly influential on your VantageScore. VantageScore also ranks your amount of debt as moderately influential.
  3. Length of credit history. How long the 3 major credit bureaus have had a file on you impacts your FICO score to a lesser degree. That’s why it’s to your advantage to hang on to your oldest credit card and keep the account active. This is highly influential on your VantageScore.
  4. New credit. One of the least important aspects of your scores, your credit can dip a bit temporarily when you apply for new credit. While there’s no reason to be alarmed about applying for a single card, you want to avoid applying for multiple cards in a short amount of time.
  5. Credit mix. Also least important for FICO, your score likes it when you have a mix of credit, such as revolving credit (credit cards) and installment loans (such as car loans or mortgages). This category is highly influential with VantageScore.

How to pick the best card for excellent credit?

  • What type of card do you want? Cards for excellent credit include all types of products – from travel rewards and cash back to balance transfers and more. And each type has different subcategories, including cards with quarterly categories and co-branded airline and hotel cards. Luxury cards are also available.
  • What’s the annual fee? Don’t forget to look at the annual fee, figure out how you plan to use the card, and study whether your use will offset the cost of the annual charge.
  • Is it a card you’ll use? Yes, a rewards card has advantages that can be hard to beat, but make sure it’s one you will actually use.
  • Weigh the pros and cons. Looking at the benefits, the fees and the interest rates, then decide if it’s a card you can embrace. For example, there may be a benefit such as an annual travel credit that makes a high annual fee worth it for you.

How to keep my credit score excellent?

  • Payment history. The best thing you can do for maintaining excellent credit is to pay on time, every time. It’s among the most influential of your scores.
  • Pay in full. To avoid paying interest charges and to keep your score healthy, pay in full each month.
  • Keep your card active. Place at least a small charge on your card each month (and pay it off). This will keep the account active and in good standing, which helps your credit in a number of ways, including keeping your available credit higher, which helps your utilization ratio stay lower.
  • Check your credit reports. Every 4 months, check one of your credit reports for inaccuracies. Have the credit bureau correct any errors that you find.
  • Research cards before applying. While having multiple cards can help your score because it can keep your utilization ratio lower if you have a balance, you don’t want to apply for multiple cards at once or apply for a card without ascertaining whether you have a good chance of getting it. That’s because credit scores care if you have taken out new credit.
  • Take out an installment loan. If you are paying off your card each month on time, it’s time to ramp things up a bit. Take out a small installment loan, such as a credit-builder loan or a car loan. This will give your credit score a little nudge.

Recap: Best Credit Cards for Excellent Credit

CardRewards RateWelcome BonusBonus Requirement
Chase Freedom® UnlimitedUnlimited 1.5% cash back on every purchase$150 BonusSpend $500 on purchases in your first 3 months from account opening
Blue Cash Everyday® Card from American Express1% cash back on every purchase, 2% at U.S. gas stations and select U.S. department stores, 3% at U.S. supermarkets for the first $6,000 in supermarket purchases each year$150 Statement CreditSpend $1,000 on purchases within the first 3 months
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
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
Bank of America® Cash Rewards Credit Card1% cash back on every purchase, 2% at grocery stores and wholesale clubs, 3% on gas for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter$150 BonusSpend $500 on purchases in the first 90 days of 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
Chase Freedom®Unlimited 1% cash back on every purchase$150 BonusSpend $500 on purchases in your first 3 months from account opening
Wells Fargo Cash Wise Visa® CardUnlimited 1.5% cash rewards on purchases$200 BonusSpend $1,000 in the first 3 months
Capital One ® SavorSM Cash Rewards Credit CardUnlimited 3% cash back on dining, 2% on groceries and 1% on all other purchases$150 BonusSpend $500 on purchases within the first 3 months from account opening
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

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