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 Rewards

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 $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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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 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

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

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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 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

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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 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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on American Express’ secure site
Recommended Credit Score
Good – Excellent
Rates and Fees| Terms Apply
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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

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on Discover’s secure site
Recommended Credit Score
Excellent/Good
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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.