Best credit cards for high credit scores from our partners

You've worked hard to achieve an excellent credit score. Now's the time to cash in with the unbeatable rewards and perks that come with the most exclusive credit cards.

By , Editor-in-chief

Our credit card articles, reviews and ratings maintain strict editorial integrity; however we may be compensated when you click on or are approved for offers from our partners. How we make money.

 Best Credit Cards for High Credit Scores

With your excellent credit, you've the cream of the crop to credit card issuers.  The cards below reflect the best offers available to those with excellent credit.

Don't have excellent credit? Read this first!

CardRatings.com recommends that you do not apply for credit cards that require excellent credit if you don't have excellent credit.If you apply for multiple cards and are denied repeatedly, these multiple credit card inquiries can end up lowering your credit. If you don't know your credit score, find our your official TransUnion score for free at WisePiggy.com. And if your credit score isn't strong, fret not - there are cards suited for every credit tier. Click the links on the right to find a card that matches your credit.
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Citi® Double Cash Card - 18 month BT offer

Citi® Double Cash Card - 18 month BT offerAbout Our Ratings
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Our editor's take:
The new kid on the block and we were immediately sold. For simplicity and cash back, this is the best consumer card out there. Get cash back twice with 1 percent cash back when you buy and another 1 percent cash back when you pay for those purchases. Avoid the hassle of rotating categories, spending caps and annual fees.

Card Details
Purchase Intro APR N/A
Purchase Intro PeriodN/A
Annual Fee$0*

Why you want it: The Citi® Double Cash Card – 18 month BT offer from Citi®, a CardRatings.com advertiser, earns you cash back twice on every purchase. However, there are two differences that set Citi®’s card apart. First, you get your rewards as straight cash back: you don't have to redeem miles for travel or route them through particular investment accounts. And, secondly, you earn 1 percent cash back when you make purchases and 1 percent cash back when you pay for those purchases That applies whether you pay down your balance for your purchases all at once or over a number of months or years.

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Capital One® Venture® Rewards Credit Card

Capital One® Venture® Rewards Credit CardAbout Our Ratings
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Our editor's take:
Airline travel cards can be a hassle, but Capital One® raised the bar with a flexible card that doesn’t lock you in to particular airlines or hotel chains. Capital One® was also the first to offer no foreign transaction fees, critical for the international traveler. And this card comes with a low annual fee compared to other airline cards -- $0 intro for the first year, $59 after that.

Card Details
Points or Miles 2X miles/$1
Foreign Transaction FeesNone
Special OfferEnjoy a one-time bonus of 40,000 miles once you spend $3,000 on purchases within the first 3 months, equal to $400 in travel

Why you want it: Top feature of the Capital One® Venture® Rewards Credit Card is the double miles (2X miles per dollar spent) you get on every purchase. Right now there's a one-time bonus for new cardholders – earn 40,000 miles (equal to $400 in travel) once you spend $3,000 on purchases within the first three months after your account's opened. Your miles don't expire and can be applied to flights, hotel stays, car rentals, cruises and more. The card comes with no foreign transaction fees when making purchases outside of the United States.

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Blue Cash Preferred® Card from American Express

Blue Cash Preferred® Card from American ExpressAbout Our Ratings
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Our editor's take:
This is one of the best cash-back cards out there, and especially for busy families. Why? With 6 percent cash back on groceries at U.S. supermarkets up to $6,000 per year in purchases (then 1 percent), and 3 percent cash back on gas at U.S. gas stations and select U.S. department stores, this is the ultimate card for the soccer mom or dad. Terms apply. 

Card Details
Cash back groceries  6% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%)
Cash back gas 3% cash back at U.S. gas stations and at select U.S. department stores
Cash back others1% back on other purchases

Why you want it: Quite simply, the Blue Cash Preferred® Card from American Express® is the king of cash back. Providing your personal spending patterns align with the card's rewards program, don’t worry about its $95 annual fee, you can make that back -- and plenty more -- every year. The card offers 6 percent cash back on purchases made at U.S. supermarkets up to $6,000 a year (then 1 percent), 3 percent cash back on purchases made at U.S. gas stations and select U.S. department stores(with no spending cap), and 1 percent cash back on other purchases, including those made at U.S. supermarkets once you've busted your $6,000 annual spending cap. You will receive your cash back in the form of Reward Dollars that can be redeemed as a statement credit or for gift cards or merchandise. Cash back is earned on eligible purchases. Terms apply.

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Fidelity® Rewards Visa Signature® Card

Fidelity® Rewards Visa Signature® CardAbout Our Ratings

Our editor's take:
This has been one of our favorites for a long time. Fidelity set the cash back standard years ago, and they have stood by it with a consistent payout of 2% for years. The only downside is that you need to set up an investment account with them, which makes it a little more complicated, but we like that it encourages savings and investing.

Card Details
Cash back groceries2%
Cash back gas2%
Cash back others2%

Why you want it: You don't have to be a smart investor to be exceptionally creditworthy -- but most people who are good with money are likely to be focused on both their portfolios and their scores. Fidelity® Rewards Visa Signature® Card is a handy tool for investors because it allows them to get unlimited 2-percent cash back on purchases (with no limit on rewards) -- and then have those rewards deposited directly into their eligible Fidelity brokerage, IRA, 529 or Cash Management accounts. Cardholders have the option to direct all cash-back rewards into one account or to divide among up to five accounts.

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Simmons Bank Visa® Platinum

Simmons Bank Visa® PlatinumAbout Our Ratings
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Our editor's take:
If you have a high credit score and are looking for a low APR, you are not going to beat this card. While not a well known bank brand, they have been the best at this for over a decade. No annual fee is an added bonus.

Card Details
Purchase APR8.00% (Variable)
BT Transfer APR7.50%
BT FeeNo balance transfer fee

Why you want it: Generally speaking, credit cards are notoriously expensive ways to borrow. But, with its ultra-low 7.25 percent variable APR and zero annual fee, the Simmons Bank Visa® Platinum card is different. Suddenly, plastic can be an affordable way to smooth out cash flow issues, and might be a smart alternative to secured debt, such as home equity lines of credit (HELOCs).

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Ink Business Cash℠ Credit Card

Ink Business Cash℠ Credit CardAbout Our Ratings
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Our editor's take:
We love this card for small businesses that spend a lot on monthly recurring bills such as office supplies and communications, as this card allows you to earn 5% cash back in select business categories. In addition, this card has a 0% Intro APR on Purchases and Balance Transfers for 12 months along with a $0 annual fee.

Card Details
Cash back gas2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
Cash back othersEarn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet and cable TV services each account anniversary year. Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Unlimited 1% cash back on all other card purchases.

Why you want it: Owners of small businesses can access many commercial cards, but few of those have rewards programs that compare well with that of the Ink Business CashSM Credit Card from Chase. You can earn 5 percent cash back on the first $25,000 in combined purchases at office supply stores and on cellular phone, landline, Internet and cable TV services each account anniversary year. Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other card purchases with no limit to the amount you can earn. You can redeem rewards for cash back, and the card has a $0 annual fee.

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Picking plastic

Having a stellar credit score doesn't make choosing the right credit card for you any easier. On the contrary, you probably have a wider choice than anyone else, so compiling your short list can be more time consuming. Here are some key points to remember:

  • Focus on what matters to you. If you always pay down your card balance in full each month, you never pay any interest, so you shouldn't worry about purchase APRs. If, on the other hand, you often carry forward card debt, worry about purchase APRs a lot.
  • The right type of rewards. Earning miles, points or cash back can be a big deal. So make sure your new card maximizes earning opportunities for someone with your spending patterns, while letting you redeem the sorts of rewards that should genuinely fit your lifestyle.
  • The right rewards program. Some cards make you jump through hoops to maximize the rewards you earn. Others make earning automatic. Pick the one you're going to get the most from.
  • Remember to protect yourself. If such things are important to you (and why wouldn't they be?), make sure the card you pick provides you with extended warranties and price and purchase protection.
  • Be realistic about annual fees. Don't automatically reject a card just because it has an annual fee. Ask yourself whether the benefits it buys you are worth the cost..

More from CardRatings.com


  1. THRIFTYMOM July 16, 2015 at 4:25 pm
    I have been using Citi Double Cash master card for more than 1 yr now. They are great. I use them everywhere (except Costco) from pumping gas to grocery store.
      Reply »  
  2. A. nonymouse July 14, 2015 at 4:29 pm
    Why aren't the interest rates for any of these cards listed? Everyone knows paying the balance within the grace period is the way to go but, in the event something goes awry... It seems that's not a factor in this article.
      Reply »  
    1. Amber Stubbs July 20, 2015 at 12:58 pm
      Since we cover several cards in this article, we want to focus on the key points of each card. So, for rewards cards we do not cover the interest rate because we would not recommend carrying a balance on most rewards cards. If you need to carry a balance your only focus should be finding the lowest rate since any rewards you earn will be more than offset by the interest.
        Reply »  
  3. Judith Mulenga July 12, 2015 at 5:56 pm
    can someone evaluate Premier Rewards Gold Card from American Express card. I just received an offer from them. Though I hold a credit card from BOA and Capital one. And capital one has been great to me and helping me with my credit score. So what are the benefits of AMERIEXM?
      Reply »  
  4. MMeinert July 04, 2015 at 1:18 pm
    REPLY TO JLBiggs June 05, 2015 at 4:01 pm, USAA has the best deal of all mentioned.
      Reply »  
  5. Jeffrey Fissel July 01, 2015 at 4:47 pm
    American Express Preferred Cash card is the best card out there. Great rewards and generous cash back plus great customer service. The nominal fee is easily re cooped
      Reply »  
  6. Lisa July 01, 2015 at 6:09 am
    You can call AmEx and ask them about your favorite stores, and they will check to see under which code that store submits their charges. Basically, it has to be primarily a grocery store and not a big department store with just a grocery section, not a discount club, not a convenience store that sells groceries, etc. This means NOT Wal-mart, Target, BJ's, Sam's Club, CVS, Walgreens, Aldi, etc. It works for me because I shop a lot at Price Chopper here in the northeast. Hope this helps.
      Reply »  
  7. MJPer June 21, 2015 at 7:43 am
    Is there any way to find out which grocery stores and gas stations are eligible for the 6% cash back on the Amex Blue card. I would hate to apply and then find out the stores I frequent are not eligible.
      Reply »  
  8. JoAnnR June 16, 2015 at 12:20 pm
    I was surprised that Discover Card wasn't listed here either. Discover offers 1% back on all purchases and then each quarter offers 5% back on different purchases. Right now it's on travel.
      Reply »  
    1. Amber Stubbs June 16, 2015 at 3:01 pm
      We like the Discover it Card as well and it made our list of the best cash back cards.
        Reply »  
  9. MickinMD June 15, 2015 at 9:50 am
    Having a few no-annual-fee cash back cards and using the right one at the right place and time pays off well.
    For example, Discover gave 5% cash-back at stand-alone gas stations from Jan-Mar, Chase's Freedom Visa does so from July-Sept, and Bank of America's Cash Rewards Mastercard gives 3% back the other months. The last two also give a $100 extra cash-back bonus if you charge $500 in the first 90 days. The Mastercard has a one-time 15% off deal for Five Guys ($6 on my $40 order) and similar ones for Panera Bread and Papa John's Pizza in June.

    I tried out the American Express Blue Cash Preferred Card even though it has a $75 annual fee because it gave a $150 cash-back bonus for charging $1000 in 90 days and if gives 6% cash-back at stand-alone supermarkets. But since I do most of my grocery shopping at Aldi, Walmart, etc. that don't apply, I'm switching to the no-annual fee American Express Blue Cash Everyday Card when my year is up in November. I just don't use the Blue Cash Preferred Card enough to pay for the annual fee when my other cards pay more cash back in various situations.
      Reply »  
    1. Amber Stubbs June 16, 2015 at 3:07 pm
      You are right about that. If you are card savvy, and willing to put in a little work, you can earn some serious cash back using a couple of cards that offer bonus cash back in certain spending categories and the no-fee card with the highest earn rate for everything else.
        Reply »  
  10. cathy carl June 14, 2015 at 6:13 am
    Does everybody accept the citi double cash card? Is it a visa or mastercard?
      Reply »  

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