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. 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.

Flat Rate 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 15.74%, 20.74%, or 25.74% 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).

Everyday Spending

Blue Cash Preferred® 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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Blue Cash Preferred® Card from American Express

With the Blue Cash Preferred® Card from American Express (a CardCritics advertiser) you will earn a massive 6% back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%), 6% back on select U.S. streaming subscriptions, and 3% back at U.S. gas stations and on transit. All of your other eligible purchases will earn you 1% back. To sweeten the deal, you can earn a $300 welcome bonus after you spend $3,000 in purchases on your new card within the first 6 months. The savings keep piling up since you will also pay no interest your first year with a 0% intro APR for 12 months from the date of account opening on purchases. After that 12 months, a 14.74%-24.74% Variable APR will apply. There is a $0 introductory annual fee for the first year (then it is $95) but if you spend at least $30.44 on groceries a week your cash back earned will surpass the cost of the annual fee.

Flexible Cash Back

Bank of America® Customized Cash 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® Customized Cash Rewards credit card

You will be hard-pressed to find another card without an annual fee that offers better flexibility in the cash back department than the Bank of America® Customized Cash Rewards credit card. You get to decide which category you’ll earn 3% back in each month while also earning 2% back at grocery stores and wholesale clubs. The bonus cash back earned in these combined categories (your choice, grocery and wholesale clubs) is capped at $2,500 in purchases each quarter. You’ll earn 1% after that cap is hit and on all of your other purchases. To sweeten the deal, you’ll also earn a $200 online cash back rewards bonus after you make at least $1,000 in purchases on your card within the first 90 days of your account opening. That’s an additional 20% back on your first $1,000 spent! You’ll also be able to save money with a 0% Intro APR for 15 billing cycles for purchases and balance transfers made within the first 60 days. After the intro APR offer ends a 14.24% – 24.24% Variable APR will apply.

Excellent Flat Rate Option Plus Bonus Categories

Chase Freedom Unlimited®

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on Chase’s secure site
Recommended Credit Score
Good – Excellent
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Chase Freedom Unlimited®

This card offers a straightforward way to earn cash back while also providing some really enticing bonus categories that will allow you to earn even more. You will earn an unlimited 1.5% cash back on purchases, 5% on travel purchased through Chase, 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year and 3% back on dining at restaurants and at drugstores. There is also a unique welcome bonus worth up to $300 in cash rewards. You will earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year). That means you will earn a total of 6.5% on travel purchased through Chase Ultimate Rewards®, 4.5% on dining and drugstores, and 3% on all other purchases your first year (up to the maximum noted). Your cash back rewards will add up incredibly quickly, especially your first year.

Unlimited Cash Back Match

Discover it® Cash Back

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on Discover’s secure site
Recommended Credit Score
Excellent/Good/Average
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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 12.24% – 23.24% Variable APR.

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 13.74%-25.74% 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 and extension periods. 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.

Long 0% Intro APR Plus a Statement Credit

BankAmericard® credit card

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

This low APR card is unlike any other we have seen as it offers a $100 statement credit to those who make at least $1,000 in purchases in the first 90 days of account opening. This type of bonus is usually reserved for rewards credit cards so it is a fantastic perk for a card like this that is primarily for those looking for a long intro APR. If you plan to make some significant purchases and want to avoid interest payments while you work to pay off your balance or you are looking to transfer a balance from another high-APR credit card, then this card is difficult to beat. The BankAmericard® credit card 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 13.24% – 23.24% Variable APR will apply. There is a 3% balance transfer fee ($10 minimum). You’ll also have access to your FICO score and paying late won’t automatically increase your APR.

Travel Rewards With No Annual Fee

Discover it® Miles

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

If you want to earn miles toward your next vacation and pay no annual fee to do so, then the Discover it® Miles is likely for you. You will earn an unlimited 1.5 miles for every dollar you spend. All the miles you earn in your first year will automatically be matched for what is likely to be a hefty bonus. For example, if you earn 35,000 miles your first year you will automatically get another 35,000 for a total of 70,000 miles (redeemable for $700). The redemption options are plentiful and very flexible as well. This well-rounded travel card even offers a 0% Intro APR on purchases and on balance transfers for 15 months, then 12.24% – 23.24% Variable APR.

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.