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.

IHG® Rewards Club Select Credit Card

Apply Now Credit Needed
Excellent Credit
  • Earn 60,000 bonus points after spending $1,000 on purchases within the first three months of account opening
  • Enjoy a Free Night after each account anniversary year at over 5,000 hotels worldwide
  • Earn 5 points per $1 spent when you stay at an IHG hotel
  • Earn 2 points per $1 spent on purchases at gas stations, grocery stores, and restaurants
  • IHG Rewards Club Bonus points are redeemable at hotels such as InterContinental® Hotels & Resorts, Crowne Plaza® Hotels & Resorts and Holiday Inn®
  • Platinum Elite status as long as you're a Select credit cardmember
  • Automatic 10% points rebate on redemptions
  • $0 Introductory Annual Fee for the first year, then $49 a year
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 $49
Credit Needed
Excellent Credit

Mastercard® Black Card™

Apply Now Credit Needed
Excellent Credit
  • Stainless Steel - Patented Card Design
  • 2% Value for Airfare Redemptions
  • 1.5% Value for Cash Back Redemptions
  • 24/7 Luxury Card Concierge™
  • Exclusive Luxury Card Travel Benefits
  • $100 Annual Airline Credit Toward Qualifying Purchases
  • $100 Global Entry Application Fee Credit
  • Annual Fee: $495 ($195 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
$495
Credit Needed
Excellent Credit

Blue Delta SkyMiles® Credit Card from American Express

Apply Now Credit Needed
Excellent Credit
  • Earn 10,000 bonus miles after spending $500 in purchases on your new Card in your first 3 months.
  • No Annual Fee.
  • Earn 2 miles per dollar at US restaurants.
  • Earn 2 miles per dollar spent on purchases made directly with Delta. Earn 1 mile on every eligible dollar spent on purchases.
  • Receive a 20% savings in the form of a statement credit after you use your Card on eligible Delta in-flight purchases of food, beverages, and audio headsets.
  • Terms Apply.
Apply Now at American Express's
secure site
Terms Apply
Purchases Intro APR
N/A
Balance Transfers Intro APR
N/A
Regular APR
16.99%-25.99% Variable
Annual Fee
$0
Credit Needed
Excellent Credit
See Rates & Fees

British Airways Visa Signature® Card

Apply Now Credit Needed
Excellent Credit
  • 50,000 bonus Avios after you spend $3,000 on purchases within the first 3 months from account opening.
  • Earn an additional 25,000 bonus Avios after you spend $10,000 total on purchases within your first year from account opening for a total of 75,000 bonus Avios.
  • Every calendar year you make $30,000 in purchases on your British Airways Visa card, you'll earn a Travel Together Ticket good for two years.
  • In addition to the bonus Avios, you will also get 3 Avios for every $1 spent on British Airways purchases and 1 Avios for every $1 spent on all other purchases.
  • Pay no foreign transaction fees when you travel abroad.
  • Chip Technology allows you to use your card for chip based purchases in Europe & beyond, while still giving you the ability to use your card as you do today at home.
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
$95
Credit Needed
Excellent Credit

SimplyCash® Plus Business Credit Card from American Express

Apply Now Credit Needed
Excellent Credit
  • Special Offer: Earn up to $500 cash back
  • Earn a $250 statement credit after you spend $5,000 in qualifying purchases on your Card within the first 6 months of Card Membership.
  • Plus, earn an additional $250 statement credit after you spend an additional $10,000 or more in qualifying purchases on your Card within the first year of Card Membership.
  • No Annual Fee. Plus, more buying power and more cash back. Get cash back on business purchases, even those above your credit limit.
  • 5% cash back on wireless telephone services purchased directly from U.S. service providers and U.S. office supply stores.
  • 3% on the category of your choice from a list of eight and 1% cash back on other purchases.
  • 5% and 3% apply to the first $50,000 in purchases per calendar year, then 1% applies thereafter. Cash back received is automatically credited to your statement.
  • Terms and limitations apply
Apply Now at American Express's
secure site
Terms Apply
Purchases Intro APR
0% on Purchases for 9 months
Balance Transfers Intro APR
N/A
Regular APR
13.49% - 20.49% Variable
Annual Fee
$0
Credit Needed
Excellent Credit
See Rates & Fees

Starwood Preferred Guest® Business Credit Card from American Express

Apply Now Credit Needed
Excellent Credit
  • Earn 25,000 bonus Starpoints® after you use your new Card to make $5,000 in purchases within the first 3 months.
  • Earn 2 Starpoints® for each dollar of eligible purchases at participating SPG® Marriott Rewards® hotels. Earn 1 Starpoint® for all other purchases.
  • Redeem Starpoints® for free nights at over 1,300 hotels & resorts in over 100 countries and for free flights on over 150 airlines with SPG Flights. Some hotels and resorts have mandatory service charges.
  • Free, unlimited Boingo Wi-Fi at more than 1,000,000 Boingo hotspots worldwide. Enrollment required.
  • No Foreign Transaction Fees on international purchases and $0 introductory annual fee for the first year, then $95.
  • Terms Apply
Apply Now at American Express's
secure site
Terms Apply
Purchases Intro APR
N/A
Balance Transfers Intro APR
N/A
Regular APR
16.49% - 20.49% Variable
Annual Fee
$0 introductory annual fee for the first year, then $95
Credit Needed
Excellent Credit
See Rates & Fees

The Blue Business℠ Plus Credit Card from American Express

Apply Now Credit Needed
Excellent, Good
  • Get rewarded for business as usual. Earn 2X points on everyday business purchases such as office supplies or client dinners.
  • 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
  • Enjoy the flexibility to put more purchases on the Card and earn rewards when you buy above your credit limit*.
  • More buying power for your business* means more opportunities to earn points. That's everyday business with the new Blue Business Plus Card.
  • *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors.
  • 0.0% intro APR on purchases and balance transfers for 15 months, then a variable rate, currently 12.49%, 16.49% or 20.49%, based on your creditworthiness and other factors as determined at the time of account opening.
  • No Annual Fee
  • Terms Apply
Apply Now at American Express's
secure site
Terms Apply
Purchases Intro APR
0% on Purchases for 15 months
Balance Transfers Intro APR
0% on Balance Transfers for 15 months
Regular APR
12.49% - 20.49% Variable
Annual Fee
$0
Credit Needed
Excellent, Good
See Rates & Fees

Citi® / AAdvantage® Executive World Elite™ Mastercard®

Apply Now Credit Needed
Excellent Credit
  • Earn 50,000 American Airlines AAdvantage® bonus miles after spending $5,000 in purchases within the first 3 months of account opening*
  • Admirals Club® membership for you and guests with you*
  • Complimentary Admirals Club® lounge access for authorized users
  • Earn 10,000 AAdvantage® Elite Qualifying Miles (EQMs) after you spend $40,000 in purchases within the year*
  • No Foreign Transaction Fees on purchases*
  • Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases and 1 AAdvantage® mile for every $1 spent on other purchases*
  • First checked bag is free on domestic American Airlines itineraries for you and up to eight companions traveling with you on the same reservation*
Apply Now at Citi's
secure site
Purchases Intro APR
N/A
Balance Transfers Intro APR
N/A
Regular APR
16.99% - 24.99%* (Variable)
Annual Fee
$450
Credit Needed
Excellent Credit

Starwood Preferred Guest® Credit Card from American Express

Apply Now Credit Needed
Excellent/Good
  • Earn 25,000 Starpoints® after you use your new Card to make $3,000 in purchases within the first 3 months.
  • Earn 2 Starpoints® for each dollar of eligible purchases spent at participating SPG® & Marriott Rewards® hotels. Earn 1 Starpoint for all other purchases.
  • No Foreign Transaction Fees on International purchases.
  • Redeem Starpoints® at over 1,300 participating hotels and resorts in over 100 countries and for flights on more than 150 airlines with SPG flights, all with no blackout dates.
  • $0 introductory annual fee for the first year, then $95.
  • Planning a road trip? Rent your car, fill up your tank, book your hotel, and pay for it with your American Express® Card.
  • Terms Apply.
Apply Now at American Express's
secure site
Terms Apply
Purchases Intro APR
N/A
Balance Transfers Intro APR
N/A
Regular APR
16.49%-20.49% Variable
Annual Fee
$0 introductory annual fee for the first year, then $95.
Credit Needed
Excellent/Good
See Rates & Fees

Southwest Rapid Rewards® Premier Credit Card

Southwest Rapid Rewards® Premier Credit Card

1,854 customer reviews

Apply Now Credit Needed
Excellent Credit
  • Earn 50,000 points after you spend $2,000 on purchases in the first 3 months your account is open.
  • 6,000 bonus points after your Cardmember anniversary
  • 2 points per $1 spent on Southwest® purchases and Rapid Rewards® Hotel and Car Rental Partner purchases
  • 1 point per $1 spent on all other purchases
  • Earn unlimited points that don't expire as long as your card account is open
  • No foreign transaction fees
  • No blackout dates or seat restrictions, Bags fly free® and no change fees
  • Redeem your points for flights, hotel stays, gift cards, access to events and more
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
$99
Credit Needed
Excellent Credit

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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