Best Credit Cards for Excellent Credit
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Written by
Jasmin Baron
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Edited by
Emily Gadd
Those with excellent credit have access to some of the most competitive credit card offers available, featuring premium benefits and rewards. This high credit standing allows cardholders to take advantage of low interest rates, generous rewards programs, and exclusive perks such as travel insurance, concierge services, and cash-back opportunities. With a solid credit history, these individuals can choose from a wide variety of cards tailored to their spending habits, whether they are looking for travel rewards, cash back, or lifestyle benefits. Utilizing these cards from our partners responsibly not only enhances their financial flexibility, but also contributes to maintaining an excellent credit profile.
Quick Overview: Best Credit Cards for Excellent Credit
| Our Choice For | Credit Range | Annual Fee | Highlights | |
|---|---|---|---|---|
| Premium Travel Rewards & Perks |
Excellent
720 – 850*
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$395 |
Very generous bonus and statement credit opportunities plus premium perks.
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Premium Perks |
Excellent
720 – 850*
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$795 |
Luxury travel card with airport lounge access & a bonus worth up to $2,500 in Travel Earn 125,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening. Your points are worth up to 100% more when you redeem them through Chase Travel, making this bonus worth up to $2,500.
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| 3x Points On Top Categories |
Excellent/Good
670 – 850*
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$0 |
Earn a welcome bonus and 1X – 3X rewards Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans. Plus earn 1X points on other purchases.
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| Travel |
Excellent/Good
670 – 850*
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$95 |
Strong ongoing rewards, elevated travel perks, plus a bonus worth $600Earn 60,000 bonus points when you spend $4,000 in purchases in the first 3 months – that’s $600 toward your next trip.
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| Rewards on dining & entertainment |
Excellent, Good
670 – 850*
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$0 |
Up to 8% cash back plus a $300 bonus For a limited time, earn $300 in welcome bonuses. Enjoy a $100 credit to use towards flights, stays and rental cars booked through Capital One Travel during your first cardholder year. Plus, earn a $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening
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| Intro APR |
Excellent/Good
670 – 850*
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$0 |
Pay no interest for nearly 2 years 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers, then a 17.24%, 23.74%, or 28.99% Variable APR
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| 2% Cash Back |
Excellent/Good
670 – 850*
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$0 |
Extra long intro APR on balance transfers, generous welcome bonus, and 2% cash back Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.
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| Flat Rate Cash Back |
Excellent, Good
670 – 850*
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$0 |
Unlimited 1.5% cash back plus a $300 welcome bonusFor a limited time, earn $300 in welcome bonuses. Enjoy a $100 credit to use towards flights, stays and rental cars booked through Capital One Travel during your first cardholder year. Plus, earn a $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening
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| Cash Back |
Good – Excellent
670 – 850*
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$0 |
Earn an intro offer worth $200 Intro Offer: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
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Travel |
Excellent/Good
670 – 850*
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$0 |
Unlimited 1.5 Points per $1 on all purchases, generous intro APR, 25,000 bonus points opportunity worth $250 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening – that can be a $250 statement credit toward travel purchases
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| Balance Transfers |
Excellent/Good
670 – 850*
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$0 |
No Late Fees & an incredibly long intro APR on balance transfers 0% Intro APR on purchases for 12 months and 0% Intro APR on balance transfers for 21 months, then 18.24% – 28.99% (Variable)
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Premium Perks |
Excellent/Good
670 – 850*
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$95 |
Unlimited 1.5 points per $1 on all purchases, 2 points per $1 on dining and travel, 60,000 bonus points opportunity worth $600 Receive 60,000 online bonus points – a $600 value – after you make at least $4,000 in purchases in the first 90 days of account opening
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| Elevated Travel Rewards |
Excellent, Good
670 – 850*
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$95 |
Earn a welcome bonus worth $750 and 2x – 5x rewards Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel.
Earn unlimited 2X miles on every purchase, every day.
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| Cash Back |
Excellent/Good
670 – 850*
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$0 |
Earn 2% Cash Rewards plus a $200 bonus Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months
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| Travel |
Good – Excellent
670 – 850*
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$95 |
Incredible rewards redemption value and a welcome bonus worth up to $1,312 in Travel Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. Your points are worth up to 75% more when you redeem them through Chase Travel, making this bonus worth up to $1,312.50.
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Cash Back on Groceries |
Good – Excellent
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$0 intro annual fee for the first year, then $95. |
Earn a welcome offer and 1% – 6% cash back Earn 6% cash back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
Earn 6% cash back on select U.S. streaming subscriptions. Earn 3% cash back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more). Earn 1% cash back on other purchases. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
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Elevated Rewards |
Good – Excellent
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$325 |
Access to incredible statement credit opportunities
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Premium Perks & Benefits |
Good – Excellent
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$695 |
Massive welcome offer opportunity plus several annual statement credits, lounge access and other premium benefits You may be eligible for as high as 175,000 Membership Rewards® Points after spending $8,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.
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Detailed Overview: Best Credit Cards for Excellent Credit
Huge Bonus Miles + Premium Travel Perks
Capital One Venture X Rewards Credit Card
Top Feature
Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
Purchase & Balance Transfer APR
19.99% – 29.24% (Variable)
CardCritics™ Opinion
Recommended Credit Score
Excellent (720 – 850*)
Annual Fee
$395
Rewards
2X – 10X Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights and vacation rentals booked through Capital One Travel.
Earn unlimited 2X miles on all other purchases.
Earn unlimited 2X miles on all other purchases.
Card Details From Issuer
- Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
- Receive a $300 annual credit for bookings through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options
- Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
- Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights and vacation rentals booked through Capital One Travel
- Earn unlimited 2X miles on all other purchases
- Enjoy access to 1,300+ lounges worldwide, including Capital One Lounge locations and Priority Pass™ lounges, after enrollment
- Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
- Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
- Receive up to a $120 credit for Global Entry or TSA PreCheck®
125,000 bonus points
Chase Sapphire Reserve®
Top Feature
Earn 125,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
Purchase & Balance Transfer APR
20.24% – 28.74% Variable
CardCritics™ Opinion
If you want to level up your travel rewards to luxury levels, this card may be the right fit. The ongoing rewards, annual travel credits and incredible miles transfer and redemption options are hard to beat. Add in an attractive welcome bonus and airport lounge access and it’s easy to see why this card is so popular even though the annual fee is pretty steep.
Recommended Credit Score
Excellent (720 – 850*)
Annual Fee
$795
Rewards
1x – 8x Earn 8x points on all purchases through Chase Travel℠, including The Edit℠ and 4x points on flights and hotels booked direct. Plus, earn 3x points on dining worldwide & 1x points on all other purchases.
Card Details From Issuer
- Earn 125,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
- Get more than $2,700 in annual value with Sapphire Reserve.
- Earn 8x points on all purchases through Chase Travel℠, including The Edit℠ and 4x points on flights and hotels booked direct. Plus, earn 3x points on dining worldwide & 1x points on all other purchases
- $300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year.
- Access over 1,300 airport lounges worldwide with a complimentary Priority Pass™ Select membership, plus every Chase Sapphire Lounge® by The Club with two guests. Plus, up to $120 towards Global Entry, NEXUS, or TSA PreCheck® every 4 years
- Get up to $150 in statement credits every six months for a maximum of $300 annually for dining at restaurants that are part of Sapphire Reserve Exclusive Tables.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance, no foreign transaction fees, and more.
- Get complimentary Apple TV+, the exclusive streaming home of Apple Originals. Plus Apple Music — all the music you love, across all your devices. Subscriptions run through 6/22/27 — a value of $250 annually
- Member FDIC
Earn Unlimited 3X Rewards on Restaurants, Travel, Gas & More
Wells Fargo Autograph® Card
Top Feature
Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months – that’s a $200 cash redemption value.
Purchase & Balance Transfer APR
0% intro APR for 12 months from account opening on purchases, followed by a 19.24%, 24.24%, or 29.24% Variable APR. A 19.24%, 24.24%, or 29.24% Variable APR will apply for balance transfers.
CardCritics™ Opinion
Earning unlimited 3x rewards at restaurants, gas stations, and on travel (plus other categories too) is a fantastic rewards rate for those firmly against paying an annual fee. With no caps or activation requirements, the Wells Fargo Autograph® Card is a stand-out option in the rewards space, offering a robust list of additional perks and flexible redemption options too.
Recommended Credit Score
Excellent/Good (670 – 850*)
Annual Fee
$0
Rewards
1X – 3X Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans. Plus earn 1X points on other purchases.
Card Details From Issuer
- Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
- Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months – that’s a $200 cash redemption value.
- Earn unlimited 3X points on the things that really add up – like restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Plus, earn 1X points on other purchases.
- $0 annual fee.
- 0% intro APR for 12 months from account opening on purchases. 19.24%, 24.24%, or 29.24% variable APR thereafter.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
- Redeem your rewards points for travel, gift cards, or statement credits. Or shop at millions of online stores and redeem your rewards when you check out with PayPal.
- Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
Elevated Travel Rewards Plus A Massive Bonus
Wells Fargo Autograph Journey℠ Card
Top Feature
Earn 60,000 bonus points when you spend $4,000 in purchases in the first 3 months – that’s $600 toward your next trip.
Purchase & Balance Transfer APR
20.24%, 25.24%, or 29.24% Variable APR
CardCritics™ Opinion
This is a great match for frequent travelers who are seeking strong ongoing rewards, a hefty welcome bonus and a significant list of travel perks and credits. This card does allow you to transfer your points to other travel rewards programs, but that transfer list is a bit more limited than some of its competitor cards.
Recommended Credit Score
Excellent/Good (670 – 850*)
Annual Fee
$95
Rewards
1X – 5X Earn unlimited 5X points on hotels, 4X points on airlines, 3X points on other travel and restaurants, and 1X points on other purchases.
Card Details From Issuer
- Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
- Earn 60,000 bonus points when you spend $4,000 in purchases in the first 3 months – that’s $600 toward your next trip.
- Earn unlimited 5X points on hotels, 4X points on airlines, 3X points on other travel and restaurants, and 1X points on other purchases.
- $95 annual fee.
- Book your travel with the Autograph Journey Card and enjoy Travel Accident Insurance, Lost Baggage Reimbursement, Trip Cancellation and Interruption Protection and Auto Rental Collision Damage Waiver.
- Earn a $50 annual statement credit with $50 minimum airline purchase.
- Up to $1,000 of cell phone protection against damage or theft. Subject to a $25 deductible.
- Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
Solid 3% earning rate on dining, entertainment & more
Capital One Savor Cash Rewards Credit Card
Top Feature
For a limited time, earn $300 in welcome bonuses. Enjoy a $100 credit to use towards flights, stays and rental cars booked through Capital One Travel during your first cardholder year. Plus, earn a $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening
Purchase & Balance Transfer APR
0% intro on purchases and balance transfers for 12 months, then 19.24% – 29.24% (Variable)
CardCritics™ Opinion
Foodies and entertainment lovers must give this card a look. The Capital One Savor Cash Rewards Credit Card offers generous cash-back rates on dining, entertainment, and streaming services. There is a very lucrative welcome bonus and an intro APR on purchases and balance transfers, making it a well-rounded choice.
Recommended Credit Score
Excellent, Good (670 – 850*)
Annual Fee
$0
Cash Back
1% – 8% Earn 8% cash back on Capital One Entertainment purchases
Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel.
Earn unlimited 3% cash back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, plus 1% on all other purchases
Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel.
Earn unlimited 3% cash back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, plus 1% on all other purchases
Card Details From Issuer
- LIMITED-TIME OFFER: Earn $300 in welcome bonuses. Enjoy a $100 credit to use towards flights, stays and rental cars booked through Capital One Travel during your first cardholder year. Plus, earn a $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening
- $0 annual fee and no foreign transaction fees
- Earn unlimited 3% cash back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, plus 1% on all other purchases
- Earn 8% cash back on Capital One Entertainment purchases
- Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel
- 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 and balance transfers for 12 months; 19.24% – 29.24% variable APR after that; balance transfer fee applies
Incredibly Long 0% Intro APR on Purchases & Qualifying Balance Transfers
Wells Fargo Reflect® Card
Top Feature
N/A
Purchase & Balance Transfer APR
0% intro APR for 21 months from account opening on purchases and qualifying balance transfers, then a 17.24%, 23.74%, or 28.99% Variable APR
CardCritics™ Opinion
This card from Wells Fargo is a standout option for consumers looking to pay less interest on upcoming purchases or wanting to transfer a balance from existing cards with high interest rates. It offers one of the longest intro APR periods available on both purchases and qualifying balance transfers and charges no annual fee.
Recommended Credit Score
Excellent/Good (670 – 850*)
Annual Fee
$0
Rewards
N/A N/A
Card Details From Issuer
- Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
- 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 17.24%, 23.74%, or 28.99% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min: $5.
- $0 annual fee.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
- Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants. It’s an easy way to earn cash back as an account credit when you shop, dine, or enjoy an experience simply by using an eligible Wells Fargo credit card.
Top-rated for Balance Transfers and 2% Cash Back
Citi Double Cash® Card
Top Feature
Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
Purchase & Balance Transfer APR
0% Intro APR on balance transfers for 18 months, then 18.24% – 28.24% (Variable). A 18.24% – 28.24% (Variable) APR will apply for purchases.
CardCritics™ Opinion
If you are looking for an easy-to-understand, flat-rate, cash back credit card that pays an above-average rate of 2% (1% when you buy and 1% as you pay) then this card will be a great fit. You can earn a welcome bonus that puts even more cash in your pocket and if you carry a balance on another card, this is a great place to transfer it to so you can take advantage of the introductory balance transfer offer.
Recommended Credit Score
Excellent/Good (670 – 850*)
Annual Fee
$0
Cash Back
2% Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.
Card Details From Issuer
- Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
- Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.
- Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 18.24% – 28.24%, based on your creditworthiness.
- Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
- If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
- There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
Earn a $300 Bonus Plus Ongoing Cash Back
Capital One Quicksilver Cash Rewards Credit Card
Top Feature
For a limited time, earn $300 in welcome bonuses. Enjoy a $100 credit to use towards flights, stays and rental cars booked through Capital One Travel during your first cardholder year. Plus, earn a $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening
Purchase & Balance Transfer APR
0% intro on purchases and balance transfers for 15 months, then 19.24% – 29.24% (Variable)
CardCritics™ Opinion
Recommended Credit Score
Excellent, Good (670 – 850*)
Annual Fee
$0
Cash Back
1.5% – 5% Earn unlimited 1.5% cash back on every purchase, every day
Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel
Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel
Card Details From Issuer
- LIMITED-TIME OFFER: Earn $300 in welcome bonuses. Enjoy a $100 credit to use towards flights, stays and rental cars booked through Capital One Travel during your first cardholder year. Plus, earn a $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase, every day
- $0 annual fee and no foreign transaction fees
- Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel
- 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 and balance transfers for 15 months; 19.24% – 29.24% variable APR after that; balance transfer fee applies
Huge Earning Potential and No Annual Fee
Chase Freedom Unlimited®
Top Feature
Intro Offer: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
Purchase & Balance Transfer APR
0% Intro APR on Purchases and Balance Transfers for 15 months, then 18.99% – 28.49% Variable
CardCritics™ Opinion
The Chase Freedom Unlimited® card offers a generous and unlimited base rate of 1.5% cash back on all of your purchases while also providing an even higher rate on travel purchased through Chase Travel℠, dining at restaurants and purchases at drugstores. You can earn a welcome bonus of $200 cash back after you spend $500 on purchases in the first three months of account opening. You can also save money on interest with a lengthy intro APR on purchases and balance transfers. Plus, if you hold other Chase cards like the Chase Sapphire Preferred® Card, you can combine your rewards to make them even more valuable.
Recommended Credit Score
Good – Excellent (670 – 850*)
Annual Fee
$0
Cash Back
1.5% – 5% Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases
Card Details From Issuer
- Intro Offer: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
- Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.
- No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
- Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.99% – 28.49%.
- No annual fee – You won’t have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
- Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
- Member FDIC
25,000 Bonus Points Offer Worth $250
Bank of America® Travel Rewards credit card
Welcome Bonus
25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening – that can be a $250 statement credit toward travel purchases
Purchase & Balance Transfer APR
0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends a 18.24% – 28.24% Variable APR will apply.
Apply Now
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On Bank of America's secure site
CardCritics™ Opinion
This no annual fee travel rewards card is a popular choice among travelers due to its flexible rewards and lack of foreign transaction fees. If you are looking for a straightforward travel card that comes with no annual fee and offers a welcome bonus as well as an intro APR period for purchases and balance transfers this card is a great option.
Recommended Credit Score
Excellent/Good (670 – 850*)
Annual Fee
$0
Rewards
1.5x – 3x Points 1.5 points per $1 spent on all purchases.
3 points per $1 spent on travel purchases booked through the Bank of America Travel Center.
If you’re a Bank of America Preferred Rewards® member, you can earn 25% – 75% more points on every purchase.
3 points per $1 spent on travel purchases booked through the Bank of America Travel Center.
If you’re a Bank of America Preferred Rewards® member, you can earn 25% – 75% more points on every purchase.
Card Details From Issuer
- 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening – that can be a $250 statement credit toward travel purchases.
- Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don’t expire as long as your account remains open.
- Earn 3 points per $1 spent on travel purchases booked through the Bank of America Travel Center.
- Use your card to book your trip how and where you want – you’re not limited to specific websites with blackout dates or restrictions.
- Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.
- 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 18.24% – 28.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%. Balance transfers may not be used to pay any account provided by Bank of America.
- If you’re a Bank of America Preferred Rewards® member, you can earn 25%-75% more points on every purchase. That means instead of earning an unlimited 1.5 points for every $1, you could earn 1.87-2.62 points for every $1 you spend on purchases. You could earn 3.75-5.25 points for every $1 you spend on travel purchases made through the Bank of America Travel Center.
- Contactless Cards – The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
Apply Now
On Bank of America's secure site
No Late Fees, No Penalty Rate, and No Annual Fee
Citi Simplicity® Card
Top Feature
No Late Fees, No Penalty Rate, and No Annual Fee
Purchase & Balance Transfer APR
0% Intro APR on purchases for 12 months and 0% Intro APR on balance transfers for 21 months, then 18.24% – 28.99% (Variable)
CardCritics™ Opinion
If you’re looking to optimize your credit card interest payments, a balance transfer card is rated based on how much time the card issuer gives you to pay down your existing balance without any interest payments. With 21 full months of 0% interest on balance transfers it’s easy to see why the Citi Simplicity® Card is our top-rated balance transfer card.
Recommended Credit Score
Excellent/Good (670 – 850*)
Annual Fee
$0
Cash Back
N/A
Card Details From Issuer
- No Late Fees, No Penalty Rate, and No Annual Fee… Ever
- 0% Intro APR on balance transfers for 21 months and on purchases for 12 months from date of account opening. After that the variable APR will be 18.24% – 28.99%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
- There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
- Stay protected with Citi® Quick Lock
Enticing Bonus Offer Worth $600
Bank of America® Premium Rewards® credit card
Welcome Bonus
Receive 60,000 online bonus points – a $600 value – after you make at least $4,000 in purchases in the first 90 days of account opening
Purchase & Balance Transfer APR
20.24% – 28.24% Variable APR on purchases and balance transfers
Apply Now
Read Full Review
On Bank of America's secure site
CardCritics™ Opinion
Frequent travelers looking for flexibility in credit card rewards should take a serious look at the Bank of America® Premium Rewards® credit card, especially if you are already a Bank of America® customer. This card offers elevated rewards on travel and dining and a great flat rate on everything else. The bonus is tough to beat and the annual travel credits are another great perk that helps justify the modest annual fee.
Recommended Credit Score
Excellent/Good (670 – 850*)
Annual Fee
$95
Rewards
1.5x – 2x Points Earn unlimited 2 points for every $1 spent on travel and dining purchases.
Earn unlimited 1.5 points for every $1 spent on all other purchases.
If you’re a Bank of America Preferred Rewards® member, you can earn 25% – 75% more points on every purchase.
Earn unlimited 1.5 points for every $1 spent on all other purchases.
If you’re a Bank of America Preferred Rewards® member, you can earn 25% – 75% more points on every purchase.
Card Details From Issuer
- Low $95 annual fee.
- Receive 60,000 online bonus points – a $600 value – after you make at least $4,000 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 for every $1 spent on all other purchases. No limit to the points you can earn and your points don’t expire as long as your account remains open.
- If you’re a Bank of America Preferred Rewards® member, you can earn 25%-75% more points on every purchase. That means you could earn 2.5-3.5 points on travel and dining purchases and 1.87 – 2.62 points on all other purchases, for every $1 you spend.
- Redeem for cash back as a statement credit, deposit into eligible Bank of America® accounts, credit to eligible Merrill® accounts, or gift cards or purchases at the Bank of America Travel Center.
- Get up to $100 in Airline Incidental Statement Credits annually and TSA PreCheck®/Global Entry Statement Credits of up to $100, every four years.
- Travel Insurance protections to assist with trip delays, cancellations and interruptions, baggage delays and lost luggage.
- No foreign transaction fees.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
Apply Now
On Bank of America's secure site
Solid Bonus & Rewards Plus Travel Perks
Capital One Venture Rewards Credit Card
Top Feature
Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel.
Purchase & Balance Transfer APR
19.99% – 29.24% (Variable)
CardCritics™ Opinion
Recommended Credit Score
Excellent, Good (670 – 850*)
Annual Fee
$95
Rewards
2x – 5x Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel.
Earn unlimited 2X miles on every purchase, every day.
Earn unlimited 2X miles on every purchase, every day.
Card Details From Issuer
- Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
- Earn unlimited 2X miles on every purchase, every day
- Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel
- Miles won’t expire for the life of the account and there’s no limit to how many you can earn
- Receive up to a $120 credit for Global Entry or TSA PreCheck®
- Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
- Enjoy a $50 experience credit and other premium benefits with every hotel and vacation rental booked from the Lifestyle Collection
- Transfer your miles to your choice of 15+ travel loyalty programs
Earn Unlimited 2% Cash Rewards Plus A Bonus
Wells Fargo Active Cash® Card
Top Feature
Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months
Purchase & Balance Transfer APR
0% intro APR for 12 months from account opening on purchases and qualifying balance transfers, then a 19.24%, 24.24%, or 29.24% Variable APR
CardCritics™ Opinion
We really like that the Wells Fargo Active Cash® Card offers a straightforward way to earn cash rewards and a bonus while also providing an intro APR period on purchases and qualifying balance transfers. Earning 2% rewards on purchases is tough to beat and makes this no annual fee card a stand-out option for anyone looking for a low-maintenance cash rewards card that will allow you to accumulate cash rewards quickly.
Recommended Credit Score
Excellent/Good (670 – 850*)
Annual Fee
$0
Cash Rewards
2% Earn unlimited 2% cash rewards on purchases.
Card Details From Issuer
- Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
- Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
- Earn unlimited 2% cash rewards on purchases.
- 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers. 19.24%, 24.24%, or 29.24% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
- $0 annual fee.
- No categories to track or remember and cash rewards don’t expire as long as your account remains open.
- Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
75,000 Bonus Point Offer
Chase Sapphire Preferred® Card
Top Feature
Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
Purchase & Balance Transfer APR
19.99% – 28.24% Variable
CardCritics™ Opinion
The Chase Sapphire Preferred® Card is the perfect card for someone who is looking to level-up their travel game. Since it comes with a substantial welcome bonus, you will be well on your way to booking your next trip once you hit the spending requirement. As you earn more rewards through this card’s travel and dining bonus categories, you can explore Chase’s hotel and airline transfer partners or redeem your points for travel through Chase Travel℠ for up to 75% more value. And if you take advantage of the many perks this card offers, you will quickly offset the $95 annual fee.
Recommended Credit Score
Good – Excellent (670 – 850*)
Annual Fee
$95
Rewards
1x – 5x Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.
Card Details From Issuer
- Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
- Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases
- Earn up to $50 in statement credits each account anniversary year for hotel stays through Chase Travel℠
- 10% anniversary points boost – each account anniversary you’ll earn bonus points equal to 10% of your total purchases made the previous year.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- Complimentary DashPass which unlocks $0 delivery fees & lower service fees for a min. of one year when you activate by 12/31/27. Plus, a $10 promo each month on non-restaurant orders.
- Member FDIC
Great For Everyday Spending
Blue Cash Preferred® Card from American Express
Top Feature
Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.
Purchase & Balance Transfer APR
0% intro APR on purchases and on balance transfers for 12 months from the date of account opening, then 20.24%-29.24% Variable APR
CardCritics™ Opinion
This top-rated cash back card is tailored to families with elevated cash back rates at U.S. supermarkets & gas stations, on streaming services and whole lot more. It also offers a very generous welcome offer and a substantial list of additional perks and statement credit opportunities worth taking advantage of. There is a $0 intro annual fee for the first year, then $95.
Recommended Credit Score
Good – Excellent
Annual Fee
$0 intro annual fee for the first year, then $95. See Rates & Fees
Cash Back
1% – 6% Earn 6% cash back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
Earn 6% cash back on select U.S. streaming subscriptions.
Earn 3% cash back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
Earn 1% cash back on other purchases.
Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
Earn 6% cash back on select U.S. streaming subscriptions.
Earn 3% cash back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
Earn 1% cash back on other purchases.
Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
Card Details From Issuer
- Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.
- $0 intro annual fee for the first year, then $95.
- Low Intro APR: 0% intro APR on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 20.24% – 29.24%.
- Plan It®: Buy now, pay later with Plan It. Split purchases of $100 or more into equal monthly installments with a fixed fee so you don’t have the pressure of paying all at once. Simply select the purchase in your online account or the American Express® App to see your plan options. Plus, you’ll still earn rewards on purchases the way you usually do.
- Earn 6% cash back at U.S. supermarkets on up to $6,000 per year in eligible purchases (then 1%), 6% cash back on select U.S. streaming subscriptions, 3% cash back at eligible U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more) purchases and 1% cash back on other purchases. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
- Get up to a $10 monthly statement credit after using your enrolled Blue Cash Preferred® Card for a subscription purchase, including a bundle subscription purchase, at disneyplus.com, Hulu.com, or Plus.espn.com U.S. websites. Subject to auto-renewal.
- Apply with confidence. Know if you’re approved for a Card with no impact to your credit score. If you’re approved and you choose to accept this Card, your credit score may be impacted.
- Terms Apply.
Huge Rewards Earnings Plus A Welcome Offer Opportunity
American Express® Gold Card
Top Feature
You may be eligible for as high as 100,000 Membership Rewards® Points after spending $6,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.
Purchase APR
See Pay Over Time APR
CardCritics™ Opinion
If you are looking to level up your credit card rewards, but aren’t quite ready to commit to platinum-level annual fees then the American Express® Gold Card is likely a great fit for you. It is geared toward travelers and foodies with elevated rewards rates and member perks and benefits tied to those categories. It also offers an incredible welcome offer opportunity and the option to choose between a Gold or Rose Gold metal design.
Recommended Credit Score
Good – Excellent
Annual Fee
$325 See Rates & Fees
Cash Back
1X – 4X Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
Card Details From Issuer
- You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
- Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
- Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards® points for Uber Eats purchases made with restaurants or U.S. supermarkets. Point caps and terms apply.
- $84 Dunkin’ Credit: With the $84 Dunkin’ Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin’ locations. Enrollment is required to receive this benefit.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That’s up to $50 in statement credits semi-annually. Enrollment required.
- $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
- Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Terms Apply.
Best For Premium Rewards and Perks
The Platinum Card® from American Express
Top Feature
You may be eligible for as high as 175,000 Membership Rewards® Points after spending $8,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.
Purchase & Balance Transfer APR
See Pay Over Time APR
CardCritics™ Opinion
A large annual fee on a card often means it comes with valuable perks to make it worthwhile and that is most definitely the case for The Platinum Card® from American Express. You may be eligible for as high as 175,000 Membership Rewards® Points after spending $8,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer. This card also offers a long list of substantial statement credits that will apply to different spending categories or specific merchants. Card members who can take advantage of these credits will get the most out of this card. Select ‘Apply Now’ to learn more about the current offerings.
Recommended Credit Score
Good – Excellent
Annual Fee
$695 See Rates & Fees
Cash Back
1x – 5x 5 Membership Rewards points per dollar spent on flights booked directly with airlines or with American Express Travel®, on up to $500,000 spent per year.
5 points per dollar on prepaid hotels booked with American Express Travel®.
1 point per dollar on all other purchases.
Terms apply.
5 points per dollar on prepaid hotels booked with American Express Travel®.
1 point per dollar on all other purchases.
Terms apply.
Card Details From Issuer
- You may be eligible for as high as 175,000 Membership Rewards® Points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
- Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel® up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel®.
- $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel using your Platinum Card®. The Hotel Collection requires a minimum two-night stay.
- $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney+ bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
- Enjoy the benefits of the Global Lounge Collection, with over $500 of annual value if you visit Centurion Lounges and each of our partner lounges including Delta Sky Club® lounges when flying an eligible Delta flight (subject to visit limitations) , select Lufthansa lounges when flying Lufthansa, Plaza Premium lounges and Escape Lounges, and enroll in Priority Pass Select. See terms.
- A Walmart+ membership can get you free shipping with no order minimum on eligible items shipped by Walmart. Use your Platinum Card® to pay for a monthly Walmart+ membership (subject to auto-renewal) and receive one statement credit for up to $12.95 (plus applicable taxes. Plus Ups not eligible) each month. Free Shipping excludes most Marketplace items, freight & certain location surcharges. Paramount+ Essential plan only, separate registration required.
- $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card® Account. American Express relies on airlines to submit the correct information on airline transactions to identify incidental fee purchases. If you do not see a credit for a qualifying incidental purchase on your eligible Card after 8 weeks, simply call the number on the back of your Card. Qualifying airlines are subject to change. See terms & conditions for more details.
- $200 Uber Cash: Platinum Card® Members can ride or dine in style with $15 in Uber Cash each month, plus a bonus $20 in December after adding their Card to their Uber account. Use your Uber Cash on rides and orders in the U.S. when you select an Amex Card for your transaction.
- $199 CLEAR® Plus Credit: CLEAR® Plus helps get you to your gate faster by using unique facial attributes to verify you are you at 50+ airports nationwide. Receive up to $199 in statement credits per calendar year after you pay for your CLEAR Plus Membership (subject to auto-renewal) with the Platinum Card®.
- Receive either a $120 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck® (through a TSA official enrollment provider) application fee, when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
- Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That’s up to $50 in statement credits semi-annually. Enrollment required.
- Use Global Dining Access by Resy to access premium dining experiences. Receive Priority Notify and unlock insider access to some of the world’s most sought-after restaurants with Global Dining Access by Resy. Download the Resy iOS app or log into Resy.com and add your Platinum Card® to your Resy profile to take advantage of your special benefits and discover restaurants near you.
- $695 annual fee.
- Terms Apply.
The information related to the Chase Sapphire Reserve® was collected by CardCritics™ and has not been reviewed or provided by the issuer of this product/card. Product details may vary. Please see issuer website for current information. CardCritics™ does not receive a commission for this product.
Frequently Asked Questions
Below are some frequently asked questions about credit cards for excellent credit.
What types of rewards can I expect from credit cards designed for excellent credit?
Credit cards for individuals with excellent credit typically offer high rewards rates, including generous cash back, travel points, and exclusive bonuses tailored to your spending habits.
Are there any significant fees associated with these credit cards?
While many credit cards for excellent credit come with no annual fees, some premium cards may charge an annual fee that is offset by valuable rewards and benefits, so it’s essential to weigh the costs against the perks.
Can I qualify for introductory 0% APR offers with an excellent credit card?
Yes, many credit cards for excellent credit feature attractive introductory offers, such as 0% APR on purchases or balance transfers for a specified period, making them appealing for managing expenses or consolidating debt.
What additional benefits are typically included with these credit cards?
Cards for individuals with excellent credit often provide a range of additional benefits, including travel insurance, purchase protection, extended warranties, access to airport lounges, and concierge services.
How can I ensure I maintain my excellent credit score while using these cards?
To maintain your excellent credit score, consistently make on-time payments, keep your credit utilization low (ideally below 30%), avoid applying for too many new accounts, and regularly monitor your credit report for any inaccuracies.
How Do Our Critics Evaluate the Cards?
All of the credit cards featured on CardCritics™ are assessed using the same criteria. Our critics evaluate fees, interest rates, balance transfer options, introductory bonuses, rewards, additional benefits and the average credit score required for approval.
Editorial Note: Any opinions, analyses, reviews or recommendations expressed are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.
*CardCritics™ references a FICO® 8 score, which is one of many different types of credit scores. A financial institution may use a different score when evaluating your application.