Top 7 Cards for Excellent Credit


If your credit score falls in the good to excellent range (670 – 850*) then credit card issuers are hungry to win your business. In order to do so, they are offering big sign-up bonuses, long intro APR periods and stellar ongoing rewards. If your credit score falls below the 670 mark then we suggest checking out our round-up of the Best Cards for Less-Than-Perfect Credit. Each of the cards from our partners below are fantastic options to consider if you are in the market for a new credit card. If you have excellent credit and have not applied for a new card recently it is likely time to evaluate what you are missing out on.

Unlimited 2% Cash Back

Wells Fargo Active Cash® Card

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on Wells Fargo’s secure site
Recommended Credit Score
Excellent/Good
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Wells Fargo Active Cash® Card

If you are looking for an easy to understand, flat rate, cash rewards credit card that pays an above-average rate of 2% on purchases then this card from Wells Fargo is a fantastic option for you. In addition to the unlimited 2% cash rewards on purchases, there is also a sign-up bonus worth $200 in cash rewards that can be earned by spending at least $1,000 in the first three months after you are approved. This card also offers a 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 19.24%, 24.24%, or 29.24% variable APR. Another unique perk offered is cell phone protection. If you use your card to pay your cellular telephone bill you can get up to $600 of protection on your cell phone against covered damage or theft (subject to $25 deductible).

Generous Bonus & A Very Long Intro APR

Bank of America® Travel Rewards credit card

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on Bank of America®’s secure site
Recommended Credit Score
Excellent/Good
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Bank of America® Travel Rewards credit card

If you prefer a $0 annual fee card that will help you earn points towards travel and dining purchases then this card is likely your top option. With the Bank of America® Travel Rewards credit card you will earn a straightforward, unlimited 1.5 points per $1 spent on all purchases. You can also earn a 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening. These bonus points can be redeemed for a $250 statement credit toward travel and dining purchases. Unlike most travel cards this option also offers an incredibly generous intro APR. It offers 0% Intro APR for 18 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.

Unlimited 3X Rewards on Restaurants, Travel, Gas & More

Wells Fargo Autograph℠ Card

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on Wells Fargo’s secure site
Recommended Credit Score
Excellent/Good
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Wells Fargo Autograph℠ Card

This $0 annual fee credit card offers unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans. There are no caps to worry about and no rewards calendars to keep track of. Plus you will also earn 1X on all of your other purchases. New card members can also earn a massive 20,000-point welcome bonus after spending $1,000 in the first three months. This bonus has a $200 cash redemption value! In addition to the cash redemption option you can also redeem your rewards for travel, gift cards, and more. There is also a generous intro APR on purchases and many other premium benefits.

Unlimited Cash Back Match

Discover it® Cash Back

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on Discover’s secure site
Recommended Credit Score
Excellent/Good
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Discover it® Cash Back

The Discover it® Cash Back is a well-rounded option as it offers fantastic cash back rewards, a generous intro APR period, a unique bonus opportunity and does not charge an annual fee. You will earn 5% back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants and gas stations (up to $1,500 in combined purchases each quarter you activate, then you earn 1%) and 1% back on all of your other purchases. The unlimited cash back match bonus is what sets this card apart. All of the cash back you’ve earned in your first year is matched. There are no minimums or hoops to jump through to earn this bonus. It is easy and can be very lucrative if you use your card regularly and take advantage of the 5% categories. Round out all of this with a 0% Intro APR on purchases and on balance transfers for 15 months, then 16.24% – 27.24% Variable APR.

3% Back On Groceries, Entertainment, Dining & More

Capital One SavorOne Cash Rewards Credit Card

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on Capital One’s secure site
Recommended Credit Score
Excellent, Good
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Capital One SavorOne Cash Rewards Credit Card

If you spend regularly on dining, entertainment, groceries and online streaming services, then the Capital One SavorOne Cash Rewards Credit Card would be a great addition to your wallet as cardholders earn unlimited 3% cash back in those categories. You will also earn 1% back on all of your other purchases. There is no annual fee and new cardmembers can also benefit from a 0% intro on purchases and balance transfers for 15 months, then 19.24% – 29.24% (Variable). There is a 3% balance transfer fee but that fee is likely worth it if you are paying interest each month on another card. You can also kick off your cash back earnings with a $200 welcome bonus that can be earned by spending $500 on purchases within the first 3 months. That is a much lower spending requirement than the other cards we have featured and it equates to 40% cash back on your first $500 in purchases.

Up to 21 Months of 0% APR

Wells Fargo Reflect® Card

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on Wells Fargo’s secure site
Recommended Credit Score
Excellent/Good
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Wells Fargo Reflect® Card

This card from Wells Fargo is a CardCritics favorite in both the Low APR and Balance Transfer categories. It offers a 0% intro APR for up to 21 months from account opening on purchases and qualifying balance transfers, then 17.24% – 29.24% variable APR. You will start with 18 months of 0% intro APR and can get an extension of up to 3 months with on-time minimum payments during the intro period. There is a 3% balance transfer fee for 120 days from account opening ($5 minimum). That fee then goes up to 5% after the 120 days so we suggest you make your transfer happen before the 120 days are up. If you are accruing interest charges each month on another card (or cards) the transfer fee is likely worth the expense especially if you plan to pay the balance off before the 0% intro period is over. You can also get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with this card.

Earn Miles Fast and Redeem Easily

Capital One Venture Rewards Credit Card

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on Capital One’s secure site
Recommended Credit Score
Excellent, Good
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Capital One Venture Rewards Credit Card

There are a ton of options in the market today for travel rewards cards, but the Capital One Venture Rewards Credit Card is one you should seriously consider. You will earn rewards quickly with unlimited 2x miles per dollar on all purchases and 5x miles per dollar when you book your car rentals and hotel stays through Capital One Travel. The Venture Rewards Card currently has a generous welcome offer of 75,000 miles after spending $4,000 within the first 3 months, which will give you at least $750 in travel value. The $95 annual fee grants you access to premium travel benefits like lounge access, Hertz Five Star status, a credit for Global Entry or TSA Precheck and pay no foreign transaction fees. While you’ll get the most out of your miles by redeeming them for travel, there are several other options to cash in your rewards making it an extremely flexible program and one of the best travel rewards programs out there with over 15 direct transfer partners. A 20.24% – 28.24% (Variable) APR will apply to purchases and balance transfers.

If you have put in the work and earned that excellent credit score then it is likely time to use it to your advantage. Don’t miss out on the premium rewards and perks that your credit score has afforded you.


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.