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 Rewards
Wells Fargo Active Cash® Card
Advertiser Disclosure
At CardCritics, it is our goal to provide you with information to help you make educated choices about credit cards. We have not reviewed all available products and offers but are confident that we are providing the information you need to make a sound decision.
The products featured on our site are from our partners which is how we make money. The financial compensation we receive may impact where and how cards appear on our site, but it does not impact our critical analysis. All opinions, analyses, reviews and recommendations expressed on our site are those of the author’s alone and have not been reviewed, approved or otherwise endorsed by any card issuer.
Critics' Overview
If you are looking for a flat-rate cash rewards card that also offers a long intro APR on purchases and balance transfers then this card is a great option. You will pay no annual fee, can earn an intro bonus and protect your cell phone from damage or theft. Read our in-depth Critical Analysis to learn more.670 – 850*
Card Details From Issuer
- Select “Apply Now” to take advantage of this specific 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 15 months from account opening on purchases and qualifying balance transfers. 20.24%, 25.24%, or 29.99% 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.
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 $500 in purchases in the first three months after you are approved. This spend threshold is much lower than most competing cards making it easier to earn your welcome bonus quickly. This means you are getting another 40% back on the first $500 you spend. This card also offers a 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 20.24%, 25.24%, or 29.99% 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 & Intro APR
Bank of America® Travel Rewards credit card
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Advertiser Disclosure
At CardCritics, it is our goal to provide you with information to help you make educated choices about credit cards. We have not reviewed all available products and offers but are confident that we are providing the information you need to make a sound decision.
The products featured on our site are from our partners which is how we make money. The financial compensation we receive may impact where and how cards appear on our site, but it does not impact our critical analysis. All opinions, analyses, reviews and recommendations expressed on our site are those of the author’s alone and have not been reviewed, approved or otherwise endorsed by any card issuer.
Critics' Overview
This is a great travel card for those who don’t want to pay an annual fee, are looking for a straightforward way to earn and redeem their rewards and want to save money with a generous intro APR. You’ll earn 1.5 points per dollar spent on all purchases and can easily earn 25,000 online bonus points (redeemable for a $250 statement credit toward travel purchases) when you spend at least $1,000 on purchases in the first 90 days of your account opening.Card Details From Issuer
- 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.
- 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.
- 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% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 18.24% – 28.24% Variable APR will apply. A 3% fee applies to all balance transfers.
- 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.
- 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.
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 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 a generous intro APR. It offers 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.
Unlimited 3X Rewards on Restaurants, Travel, Gas & More
Wells Fargo Autograph℠ Card
Advertiser Disclosure
At CardCritics, it is our goal to provide you with information to help you make educated choices about credit cards. We have not reviewed all available products and offers but are confident that we are providing the information you need to make a sound decision.
The products featured on our site are from our partners which is how we make money. The financial compensation we receive may impact where and how cards appear on our site, but it does not impact our critical analysis. All opinions, analyses, reviews and recommendations expressed on our site are those of the author’s alone and have not been reviewed, approved or otherwise endorsed by any card issuer.
Critics' Overview
This rewards card from Wells Fargo offers a seriously impressive lineup of benefits, especially for a card without an annual fee. For a limited time, you will earn 30,000 bonus points (a $300 cash redemption value) when you spend $1,500 in purchases in the first 3 months. Your ongoing rewards can add up quickly as well since you earn 3X points at restaurants, gas stations and on travel, transit and popular streaming services. There are no category limits to worry about and you can earn 1X points on your other purchases. Read our in-depth Critical Analysis to learn more.Card Details From Issuer
- Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
- Limited time offer: Earn 30,000 bonus points when you spend $1,500 in purchases in the first 3 months – that’s a $300 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. 20.24%, 25.24%, or 29.99% 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.
Wells Fargo Autograph℠ Card
For a limited time, new card members will earn a massive 30,000-point welcome bonus after spending $1,500 in the first three months. This impressive bonus has a $300 cash redemption value! This is the largest welcome bonus we’ve seen on a card that does not charge an annual fee. This card also offers impressive ongoing rewards. You will earn 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. 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.
Incredibly Long 0% Intro APR on Purchases & Balance Transfers
Wells Fargo Reflect® Card
Advertiser Disclosure
At CardCritics, it is our goal to provide you with information to help you make educated choices about credit cards. We have not reviewed all available products and offers but are confident that we are providing the information you need to make a sound decision.
The products featured on our site are from our partners which is how we make money. The financial compensation we receive may impact where and how cards appear on our site, but it does not impact our critical analysis. All opinions, analyses, reviews and recommendations expressed on our site are those of the author’s alone and have not been reviewed, approved or otherwise endorsed by any card issuer.
Critics' Overview
This card from Wells Fargo is a standout in both the Low APR and Balance Transfer categories. It offers a very generous intro APR period and you 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. Read our in-depth Critical Analysis to learn more.670 – 850*
Card Details From Issuer
- Select “Apply Now” to take advantage of this specific 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. 18.24%, 24.74%, or 29.99% 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.
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 21 months from account opening on purchases and qualifying balance transfers, then a 18.24%, 24.74%, or 29.99% Variable APR. Balance transfers made within 120 days qualify for the intro rate and there is a balance transfer fee (5%; min: $5). 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
Advertiser Disclosure
At CardCritics, it is our goal to provide you with information to help you make educated choices about credit cards. We have not reviewed all available products and offers but are confident that we are providing the information you need to make a sound decision.
The products featured on our site are from our partners which is how we make money. The financial compensation we receive may impact where and how cards appear on our site, but it does not impact our critical analysis. All opinions, analyses, reviews and recommendations expressed on our site are those of the author’s alone and have not been reviewed, approved or otherwise endorsed by any card issuer.
Critics' Overview
There’s a good reason this travel card continually receives rave reviews. It offers a generous and uncomplicated flat rate on all purchases and an elevated rate on hotels and rental cars booked through Capital One Travel. If the massive welcome bonus doesn’t convince you then the ongoing rewards and perks surely will. Read our in-depth Critical Analysis to learn more.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 and rental cars booked through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options
- 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 $100 credit for Global Entry or TSA PreCheck®
- Enjoy two complimentary visits per year to Capital One Lounges or to 100+ Plaza Premium Lounges through the Partner Lounge Network
- Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
- Enrich every hotel stay from the Lifestyle Collection with a suite of cardholder benefits, like a $50 experience credit, room upgrades, and more
- Transfer your miles to your choice of 15+ travel loyalty programs
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 you 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 19.99% – 29.99% (Variable) APR will apply to purchases and balance transfers.
A Premium Card That Pays You Back
The Platinum Card® from American Express
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Advertiser Disclosure
At CardCritics, it is our goal to provide you with information to help you make educated choices about credit cards. We have not reviewed all available products and offers but are confident that we are providing the information you need to make a sound decision.
The products featured on our site are from our partners which is how we make money. The financial compensation we receive may impact where and how cards appear on our site, but it does not impact our critical analysis. All opinions, analyses, reviews and recommendations expressed on our site are those of the author’s alone and have not been reviewed, approved or otherwise endorsed by any card issuer.
Critics' Overview
This luxury card comes with a hefty price tag, but if you take advantage of all of the statement credit opportunities it is quickly justified (and then some). There is also a massive welcome bonus and a long list of card member perks to check out as well.Card Details From Issuer
- Earn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum Card®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
- 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 with American Express Travel when you pay with 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, SiriusXM, and The Wall Street Journal. Enrollment required.
- $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership (subject to auto-renewal) with a statement credit after you pay for Walmart+ each month with your Platinum Card®. Cost includes $12.95 plus applicable local sales tax. Plus Up Benefits are excluded.
- $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®.
- $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only.
- $300 Equinox Credit: Get up to $300 back in statement credits per calendar year on an Equinox membership, or an Equinox club membership (subject to auto-renewal) when you pay with your Platinum Card®. Enrollment required. Visit https://platinum.equinox.com/ to enroll.
- $189 CLEAR® Plus Credit: Breeze through security with CLEAR Plus at 100+ airports, stadiums, and entertainment venues nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Platinum Card®. Learn more.
- $100 Global Entry Credit: Receive either a $100 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.
- $300 SoulCycle At-Home Bike Credit: Get a $300 statement credit for the purchase of a SoulCycle at-home bike with your Platinum Card®. An Equinox+ subscription is required to purchase a SoulCycle at-home bike and access SoulCycle content. Must charge full price of bike in one transaction. Shipping available in the contiguous U.S. only. Enrollment Required.
- Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card® to your Resy profile.
- $695 annual fee.
- Terms Apply.
The Platinum Card® from American Express
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 The Platinum Card® from American Express. Its $695 fee may scare prospective cardholders away, but once you understand all this card has to offer, it’s clear you can actually make money by having this card at the top of your wallet. New cardholders can get a jump start with their rewards earning by banking 80,000 points after spending $8,000 within the first six months. Most purchases made on the card will earn a straightforward 1 point per dollar spent, however, you can get 5X points on flights booked directly with airlines or through American Express Travel (on up to $500,000 spent each year) and 5X points on prepaid hotels booked on AmexTravel.com. This card also offers several different statement credits that will apply to different spending categories or specific merchants. Select ‘Show Card Details’ or ‘Apply Now’ to view all of the current offerings.
Best For Balance Transfers and Cash Back
Discover it® Balance Transfer
Advertiser Disclosure
At CardCritics, it is our goal to provide you with information to help you make educated choices about credit cards. We have not reviewed all available products and offers but are confident that we are providing the information you need to make a sound decision.
The products featured on our site are from our partners which is how we make money. The financial compensation we receive may impact where and how cards appear on our site, but it does not impact our critical analysis. All opinions, analyses, reviews and recommendations expressed on our site are those of the author’s alone and have not been reviewed, approved or otherwise endorsed by any card issuer.
Critics' Overview
This card offers a rare combination of excellent cash back benefits and a very generous intro APR on balance transfers. Discover also matches all of the cash back you have earned at the end of your first year and charges no annual fee.Card Details From Issuer
- INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
- Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases—automatically.
- Redeem your rewards for cash at any time.
- Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
- No annual fee.
- Terms and conditions apply.
Discover it® Balance Transfer
The Discover it® Balance Transfer card is tailored to those who are looking to pay down debt with a balance transfer who also want to earn cash back rewards. New card members will benefit from a 0% Intro APR on balance transfers for 18 months followed by a 17.24% – 28.24% Variable APR. As for rewards, you will earn 5% back on everyday purchases at different places each quarter like 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. To top it off, all of the cash back you earn your first year is matched and you’ll pay no annual fee.
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.
