Credit Cards for Excellent Credit

By updated on April 19, 2014

If you have excellent credit, you are in the enviable position of being able to choose among dozens of credit card offers. Rather than accepting whatever is offered, you can decide you want a credit card with the fastest method of earning frequent flier miles, the credit card with the highest cash back rewards program or the one with the lowest interest rate. Credit cards for excellent credit are available to suit any personal or business need.

What exactly does "excellent credit" mean?

Though each credit card company might define "excellent credit" by a varying set of standards, the general rule is a credit score in the 730-850 range. However, credit card companies look at other factors in addition to your credit score to determine credit worthiness. That's why it is so important to keep up with every aspect of your credit report, not just the score. If you aren't sure what has been reported about your financial habits, check your credit report before applying for a credit card geared to consumers with excellent credit.

What advantages can I get with excellent credit?

Excellent credit can open a lot of doors! Credit cards for those with good credit ratings can enjoy a very low or zero percent APR, generous rewards options, no international transaction fees, no annual fee, bonus miles for use with the airline of your choice, bonus points for simply using your card, and even dedicated phone lines that make customer service a snap.

If your primary goal when using a credit card is to build up frequent flier miles, you may want to research a travel credit card. You can find credit cards that earn miles on a specific airline or you can find a credit card that earns miles that you can use on any airline. To compare these credit card offers, check to see how quickly you can build up miles, how you can redeem them and,

If you tend to pay your credit card balance in full each month and you want the simplest and most flexible rewards, one of the best ways to use your excellent credit is to apply for a cash back credit card.

Some of these deals seem too good to be true; what's the catch?

The good news is that there usually isn't a catch. Excellent credit means that credit card companies are willing to take a chance on you by offering the best perks and incentives. However, keep in mind that your credit cards might not offer the best of the best forever. If your credit reports sink in the future, your credit card issuer could put the brakes on those generous perks, especially that low interest rate.

How do I maintain this great credit rating?

Excellent credit helps qualify you for these credit card offers. To hang on to your perks, you'll need to maintain a strong credit history by paying all your bills on time, maintaining a low balance compared to your credit limit and avoiding carrying too many credit cards. But if you're late on a credit card payment or otherwise let your credit score slip, you could find yourself paying a higher interest rate on that credit card or even forfeiting rewards.

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American Express® Premier Rewards Gold Card

Editor's Rating

  • Get 25,000 Membership Rewards® points after you spend $2,000 on purchases on your new Card in your first 3 months of Card Membership.
  • Earn Fast: 3X points for flights booked with airlines, 2X points at US gas stations and US supermarkets, 1X points on other purchases. Terms and limitations apply.
  • You can transfer points to over 20 frequent traveler programs or use points for gift cards at popular stores.
  • Use your Card for retail, dining, travel or groceries, then go online and use points towards your eligible charges.
  • As an added bonus, you can get 15,000 points after you spend $30,000 in purchases on the Card in one year.
  • $0 introductory annual fee for the first year, then $175.
  • Terms and Restrictions Apply.

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Apply Now Credit Needed: Excellent

Balance Transfer Intro APR

N/A

Balance Transfer Intro Period

N/A

Purchase Intro

APR: N/A

Purchase APR

N/A

Annual Fee

$175

Introductory annual fee of $0 for the first year, then $175

PenFed Premium Travel Rewards American Express® Card

Editor's Rating

  • 20,000 bonus points when you spend $2,500 within the first 3 months of opening the Card account
  • Earn 5 points per dollar spent on airfare purchases
  • Earn 1 point per dollar spent on all other purchases
  • Two complimentary Lounge Club visits at airports around the world upon spending $15,000 on the Card in a calendar year
  • Ability to redeem points for a range of rich rewards, including travel, brand-named merchandise, and gift cards at PenFedPremiumRewards.com

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Apply Now Credit Needed: Excellent

Balance Transfer Intro APR

4.99%

Balance Transfer Intro Period

promotional balance transfer rate for 48 Months on Balance Transfers made between April 01, 2014 through June 30, 2014

Purchase Intro

APR: N/A

Purchase APR

9.99% Variable

Annual Fee

$0

Gold Delta SkyMiles® Credit Card from American Express

Editor's Rating

  • Earn 30K bonus miles after you make $1K in purchases on your new Card within your first 3 months and a $50 statement credit after you make a Delta purchase with your new Card within your first 3 months.
  • Earn As You Spend: Get 2X miles on Delta purchases and 1X miles for all other eligible dollars spent.
  • Check your first bag free on every Delta flight - that's a savings of up to $200 per round trip for a family of four.
  • Premium Travel Perks: Settle in sooner with Priority Boarding.
  • $0 introductory annual fee for the first year, then $95.
  • Terms and Restrictions Apply.

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Apply Now Credit Needed: Excellent

Balance Transfer Intro APR

None

Balance Transfer Intro Period

None

Purchase Intro

APR: None

Purchase APR

15.24% - 19.24% Variable

Annual Fee

$95

$0 intro annual fee for the first year, then $95

Starwood Preferred Guest® Business Credit Card from American Express

Editor's Rating

  • Starpoints® bonus: Earn up to 25,000 bonus points
  • Earn 10,000 Starpoints® after your first purchase on the Card and another 15,000 after you spend $5,000 in purchases on the Card within the first 6 months of Card Membership
  • Starpoints® redeemable towards Free Hotel Nights at over 1,100 hotels in nearly 100 countries worldwide -- with no blackout dates
  • Earn 2 Starpoints® for each dollar of eligible purchases charged directly with hotels and resorts participating in the SPG® program
  • Earn 1 Starpoint® for each dollar of eligible purchases
  • $0 introductory annual fee for the first year, then $65
  • Terms and limitations apply

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Apply Now Credit Needed: Excellent

Balance Transfer Intro APR

N/A

Balance Transfer Intro Period

N/A

Purchase Intro

APR: None

Purchase APR

15.24% - 19.24% Variable

Annual Fee

$65

$0 introductory annual fee for the first year, then $65

Gold Delta SkyMiles® Business Credit Card from American Express

Editor's Rating

  • Earn 30,000 bonus miles after you make $1,000 in purchases on your new Card within your first 3 months
  • Additionally, earn a $50 statement credit after you make a Delta purchase with your new Card within your first 3 months
  • You can check your first bag for free and save up to $50 on a round-trip Delta flight
  • 2x miles for each dollar spent on qualifying Delta purchases and 1x mile for each dollar spent on other eligible purchases
  • Priority Boarding and 20% In-Flight Savings in the form of a statement credit on eligible purchases
  • $0 introductory annual fee for the first year, then $95
  • Terms and limitations apply

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Apply Now Credit Needed: Excellent

Balance Transfer Intro APR

N/A

Balance Transfer Intro Period

N/A

Purchase Intro

APR: None

Purchase APR

15.24% - 19.24% Variable

Annual Fee

$95

$0 introductory annual fee for the first year, then $95

Iberiabank Visa® Platinum

Editor's Rating

  • No annual membership fee
  • Low variable Purchase APR of 9.25%, 12.25%, or 15.25% based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
  • Low Introductory APR on balance transfers of 1.99% for your first 6 billing cycles. After that, your APR will be the same as your assigned purchase APR, based on your creditworthiness. Applies to balance transfers processed within three months of your account open date.
  • Turn your points into hotel, gift, or experience rewards
  • Product Enhancements include: Auto Rental Collision Damage Waiver, Roadside Dispatch, Travel Emergency Services, and Travel Accident Insurance.
  • Free Online access to credit card account information

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Apply Now Credit Needed: Excellent

Balance Transfer Intro APR

1.99% After that your assigned purchase rate will apply.

Balance Transfer Intro Period

6 billing periods

Purchase Intro

APR: N/A

Purchase APR

9.25%, 12.25%, or 15.25% Variable

Annual Fee

$0

PenFed Promise Visa® Card

Editor's Rating

  • No annual fee
  • No foreign transaction fee
  • No balance transfer fee
  • No late fee
  • No penalty APR
  • APR for Purchases - 7.49% introductory APR for 36 months. After that, your APR will vary with the market based on the Prime Rate, and is currently 9.99%.
  • APR for Cash Advances - 9.99%. Your APR will vary with the market based on the Prime Rate.
  • APR for Balance Transfers - 4.99% promotional rate for 48 Months on transfers made from April 01, 2014 through June 30, 2014 with no balance transfer fee. After that, the APR for any new balance transfers will be 9.99% and will vary with the market based on the Prime Rate. This transaction is subject to credit approval.

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Apply Now Credit Needed: Excellent

Balance Transfer Intro APR

4.99%

Balance Transfer Intro Period

promotional balance transfer rate for 48 Months on transfers made from April 01, 2014 through June 30, 2014

Purchase Intro

APR: 7.49%

Period: 36 months

Purchase APR

9.99% Variable

Annual Fee

$0

Citi® Hilton HHonors™ Visa Signature® Card

Editor's Rating

  • Earn 40,000 Hilton HHonors Bonus Points after spending $1,000 within 4 months of account opening*
  • Earn 6 HHonors Bonus Points for each $1 spent at a participating hotel within the Hilton HHonors portfolio.*
  • Earn 3 HHonors Bonus Points for each $1 spent on purchases at supermarkets, drugstores and gas stations.*
  • Earn 2 HHonors Bonus Points for each $1 spent on all other purchases.*
  • No annual fee.*

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Apply Now Credit Needed: Excellent

Balance Transfer Intro APR

N/A

Balance Transfer Intro Period

N/A

Purchase Intro

APR: N/A

Purchase APR

14.24% - 16.24% Variable

(Citi Hilton HHonors Visa Signature: P+10.99% (14.24% variable) or Citi Hilton HHonors Visa Gold: P+12.99% (16.24% variable))

Annual Fee

None

Simmons First Visa® Platinum Rewards

Editor's Rating

  • Created for those with Excellent Credit and approval is based on your credit rating and application review.
  • Travel Rewards - cardholders who enroll in the program receive one point per net dollar spent
  • Choose any U.S. based airline or ticket class. No blackout dates or seating restrictions.
  • No balance transfer fee for balances transferred in response to this online offer

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Apply Now Credit Needed: Excellent

Balance Transfer Intro APR

9.25% Variable

Balance Transfer Intro Period

N/A

Purchase Intro

APR: 9.25% Variable

Period: N/A

Purchase APR

9.25% Variable

Annual Fee

$0

Simmons First Visa® Platinum

Editor's Rating

  • Created for those with Excellent Credit and approval is based on your credit rating and application review.
  • Low 7.25% variable standard purchase APR and platinum benefits
  • No balance transfer fee for balances transferred in response to this online offer
  • No Annual Fee

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Apply Now Credit Needed: Excellent

Balance Transfer Intro APR

7.25% Variable

Balance Transfer Intro Period

N/A

Purchase Intro

APR: 7.25% Variable

Period: N/A

Purchase APR

7.25% Variable

Annual Fee

$0

PenFed Platinum Cash Rewards Visa® Card

Editor's Rating

  • Plus Card: 5% cash back on gas paid at the pump with a qualifying PenFed product*
  • Plus Card: No annual fee
  • Standard Card: 3% cash back on gas purchases paid at the pump
  • Standard Card: $0 First Year, then $25 Annual Fee
  • No foreign transaction fee
  • Cash rewards automatically awarded to your account every month
  • No limit to cash reward earnings
  • * PenFed qualifying products include: An active checking account with direct deposit ($250 min.); a money market certificate or IRA certificate; a mortgage; an installment loan (auto loans, boat loans, motorcycle loans, travel trailer loans, personal and educational loans); an equity loan or equity line of credit with a balance; thrifty credit service, personal line of credit, education line of credit, money market savings accounts.

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Apply Now Credit Needed: Excellent

Balance Transfer Intro APR

4.99%

Balance Transfer Intro Period

promotional balance transfer rate for 48 Months on Balance Transfers made between April 01, 2014 through June 30, 2014

Purchase Intro

APR: N/A

Purchase APR

9.99% Variable

Annual Fee

See terms

Iberiabank Visa® Select

Editor's Rating

  • Introductory APR on Purchases of 0.00% or 7.50% for 12 months from date opened. (If there is an interest charge, the charge will be no less than $0.50). This rate will not change during the introductory period. After that, your APR will be the same as your assigned purchase rate, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
  • Low Introductory APR on Balance Transfers of 1.99% or 7.50% for the first 12 billing cycles, this rate will not change during the introductory period. Applies to balance transfers processed within three months of your account open date. After that, your APR will be the same as your assigned purchase rate, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
  • Low Ongoing Variable Rate APR, after introductory period, APR of 7.50%, 9.50%, or 11.50% (Prime + 4.25%, Prime + 6.25%, or Prime + 8.25%) based on your creditworthiness. This APR will vary with the market based on the Prime Rate. (If there is an interest charge, the charge will be no less than $0.50).
  • Product Enhancements include: Auto Rental Collision Damage Waiver, Roadside Dispatch and Travel Emergency Services.
  • Online access to credit card account information
  • Low Annual Fee of $35.00.

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Apply Now Credit Needed: Excellent

Balance Transfer Intro APR

1.99% or 7.50% After that your assigned purchase rate will apply.

Balance Transfer Intro Period

12 billing periods

Purchase Intro

APR: 0% or 7.50% After that your assigned purchase rate will apply.

Period: 12 months

Purchase APR

7.50%, 9.50%, or 11.50% Variable

Annual Fee

$35

Citi® Dividend Platinum Select® Visa® Card

Editor's Rating

  • Earn $100 cash back after $500 in purchases within the first 3 months of account opening
  • Earn 5% cash back every quarter in must-have categories. Right now, on purchases at The Home Depot®, home furnishing and home and garden stores from 4/1/14 through 6/30/14.
  • Enrollment each quarter is quick and easy
  • Earn 1% cash back on all other purchases.
  • The total cash back earned with the card is $300 per calendar year, excluding the $100 cash back with this offer. See Citi Dividend Card Reward Program Information.
  • 0% Intro APR on Purchases and Balance Transfers for 12 months. After that, the APR will be 12.99%-22.99% variable based on your creditworthiness*
  • No Annual Fee*
  • Click Apply Now to see pricing details

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Apply Now Credit Needed: Excellent

Balance Transfer Intro APR

0%

Balance Transfer Intro Period

12 months on Balance Transfers*

Purchase Intro

APR: 0%

Period: 12 months on Purchases*

Purchase APR

12.99% - 22.99%* Variable

Annual Fee

$0 *

The Plum Card® from American Express OPEN

Editor's Rating

  • Get a 1.5% discount for paying early or up to 60 days to pay without interest, or both each month.
  • Do business on your terms.
  • Pay no annual Membership fee for your first year. Then, pay $250 annually.
  • No annual fee for Employee Cards.
  • Terms & Restrictions Apply.

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Apply Now Credit Needed: Excellent

Balance Transfer Intro APR

N/A

Balance Transfer Intro Period

N/A

Purchase Intro

APR: N/A

Purchase APR

N/A

Annual Fee

$250

$0 introductory annual fee for the first year, then $250

Capital One® VentureOne® Rewards Credit Card

Editor's Rating

  • Earn unlimited 1.25 miles on every purchase, every day
  • No annual fee
  • Enjoy a one-time bonus of 20,000 miles once you spend $2,000 on purchases within the first 3 months, equal to $200 in travel
  • Fly any airline, stay at any hotel, anytime
  • Enjoy a low intro APR on purchases
  • Travel when you want--no blackout dates
  • Miles don't expire
  • No limit to the miles you can earn

See more

Apply Now Credit Needed: Excellent

Balance Transfer Intro APR

N/A

Balance Transfer Intro Period

N/A

Purchase Intro

APR: 0%

Period: until April 2015

Purchase APR

11.90% - 19.90% Variable

Annual Fee

$0

Capital One® Venture® Rewards Credit Card

Editor's Rating

  • Earn unlimited 2X miles on every purchase, every day
  • Enjoy a one-time bonus of 20,000 miles once you spend $2,000 on purchases within the first 3 months, equal to $200 in travel
  • Fly any airline, stay at any hotel, anytime
  • Travel when you want--no blackout dates
  • Miles don't expire
  • No limit to the miles you can earn
  • No foreign transaction fees
  • No annual fee for the first year; $59 after that

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Apply Now Credit Needed: Excellent

Balance Transfer Intro APR

N/A

Balance Transfer Intro Period

N/A

Purchase Intro

APR: N/A

Purchase APR

13.90% - 20.90% Variable

Annual Fee

$59

$0 intro for first year; $59 after that

Blue Cash Everyday® Card from American Express

Editor's Rating

  • Get 50 Reward Dollars, redeemable for a $50 statement credit, after you make $1,000 in purchases with your new Card in the first three months.
  • Plus, get one year of Amazon Prime after you sign up for a new membership with your Card and meet the spending requirement in the same time period.
  • As an Amazon Prime member, you get unlimited FREE Two-Day Shipping on millions of items.
  • Earn Cash Back: 3% at US supermarkets, up to $6,000 per year in purchases, 2% at US gas stations & select US dept stores, 1% on other purchases. Terms and limitations apply.
  • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
  • 0% intro APR on purchases and balance transfers for 15 months, then a variable rate, currently 12.99% to 21.99%, based on your creditworthiness and other factors.
  • Terms and Restrictions Apply.

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Apply Now Credit Needed: Excellent

Balance Transfer Intro APR

0%

Balance Transfer Intro Period

15 months

Purchase Intro

APR: 0%

Period: 15 months

Purchase APR

12.99% - 21.99% Variable

Annual Fee

$0

Capital One® Platinum Prestige Credit Card

Editor's Rating

  • Transfer a balance for 0% intro APR until July 2015
  • Get 0% intro APR on all purchases until July 2015
  • Enjoy no annual fee
  • Get peace of mind with fraud coverage if your card is lost or stolen
  • Enjoy extended warranty protection on eligible items purchased with your card
  • Fast and easy access, 24/7
  • Rent a car using your card and get collision, damage, and loss insurance
  • Feel secure with 24-hour roadside assistance

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Apply Now Credit Needed: Excellent

Balance Transfer Intro APR

0%

Balance Transfer Intro Period

until July 2015

Purchase Intro

APR: 0%

Period: until July 2015

Purchase APR

10.90% - 18.90% Variable

Annual Fee

$0

The Business Gold Rewards Card from American Express OPEN

Editor's Rating

  • Get 25,000 Membership Rewards® points after you spend $5,000 in purchases on the Card within the first 3 months of Card Membership
  • Built with business-sized purchasing power and fast rewards
  • 3X points on airfare purchased directly from airlines
  • 2X points on US purchases for advertising in select media, shipping, at gas stations, and made directly from select computer hardware, software, and cloud computing providers
  • Up to $100,000 in each category per year, then 1 point
  • Use points to entertain clients, reward employees, reduce travel costs, or just offset the everyday expenses of moving your business forward
  • Terms and limitations apply

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Apply Now Credit Needed: Excellent

Balance Transfer Intro APR

N/A

Balance Transfer Intro Period

N/A

Purchase Intro

APR: N/A

Purchase APR

N/A

Annual Fee

$175

$0 introductory annual fee for the first year, then $175

Citi Simplicity® Card

Editor's Rating

  • 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 12.99% - 21.99% based on your creditworthiness.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • No late fees - EVER
  • No penalty rate - EVER
  • No annual fee - EVER
  • Save time when you call with fast, personal help, 24 hours a day.

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Apply Now Credit Needed: Excellent

Balance Transfer Intro APR

0%*

Balance Transfer Intro Period

18 months on Balance Transfers*

Purchase Intro

APR: 0%*

Period: 18 months on Purchases*

Purchase APR

12.99% - 21.99% Variable

Annual Fee

$0 *

Iberiabank Visa® Gold

Editor's Rating

  • Low variable rate of 9.25%, 12.25%, or 15.25% based on your creditworthiness. This APR will vary with the market based on the Prime Rate. (If there is an interest charge, the charge will be no less than $0.50).
  • Low Introductory APR on Balance Transfers of 1.99% for the first 6 billing cycles, this rate will not change during the introductory period. Applies to balance transfers processed within three months of your account open date. After that, your APR will be the same as your assigned purchase rate, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

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Apply Now Credit Needed: Excellent

Balance Transfer Intro APR

1.99% After that your assigned purchase rate will apply.

Balance Transfer Intro Period

6 billing periods

Purchase Intro

APR: N/A

Purchase APR

9.25%, 12.25%, or 15.25% Variable

Annual Fee

$0

Sony Card from Capital One®

Editor's Rating

  • Earn 5,000 bonus points after first purchase in your first 90 days
  • 5 points per $1 at Sony Store and store.sony.com
  • 3 points per $1 on dining out and movie purchases
  • 1 point per $1 spent on all other purchases
  • Redeem for Sony products, movies, music & more
  • 0% intro APR on purchases until February 2015, after that a variable 13.9% - 24.9% applies
  • No annual fee

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Apply Now Credit Needed: Excellent

Balance Transfer Intro APR

N/A

Balance Transfer Intro Period

N/A

Purchase Intro

APR: 0%

Period: until February 2015

Purchase APR

13.90% - 24.90% Variable

Annual Fee

$0

Platinum Card® from American Express

Editor's Rating

  • Earn 40,000 points after you spend $3,000 on purchases on your new Card in your first 3 months.
  • With the Platinum Card, you can receive up to $200 a year in statement credits for airline incidental fees like checked bags fees, flight-change fees, and snacks.
  • To receive the statement credit, you need to enroll and select a qualifying airline.
  • There are no foreign transaction fees with purchases made on your Platinum Card.
  • Platinum Card Concierge is your personal resource to help secure a last minute restaurant reservation, or shop for a hard-to-find gift.
  • Terms & restrictions apply.

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Apply Now Credit Needed: Excellent

Balance Transfer Intro APR

N/A

Balance Transfer Intro Period

N/A

Purchase Intro

APR: N/A (You must pay your balance in full each month)

Period: N/A

Purchase APR

N/A (You must pay your balance in full each month)

Annual Fee

$450

Citi® Diamond Preferred® Card

Editor's Rating

  • Get 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the APR will be 11.99%-21.99% based upon your creditworthiness.*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer.
  • Citi® Easy Deals℠ Get what you want for less. Earn Citi Easy Deals Points for the purchases you make with your card. Redeem your points for great online deals on name-brand merchandise, gift cards and even local deals.
  • Let our 24/7 concierge service help book your hotel rooms, flights and more.
  • $0 liability on unauthorized purchases and Citi® Identity Theft Solutions.
  • No annual fee*

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Apply Now Credit Needed: Excellent

Balance Transfer Intro APR

0%*

Balance Transfer Intro Period

18 months on Balance Transfers*

Purchase Intro

APR: 0%*

Period: 18 months on Purchases*

Purchase APR

11.99% - 21.99%* Variable

Annual Fee

$0 *

Starwood Preferred Guest® Credit Card from American Express

Editor's Rating

  • Starpoints® bonus: earn up to 25,000 bonus points: 10,000 after your first purchase and another 15,000 after you spend $5,000 within the first 6 months of Cardmembership
  • That's enough for a weekend getaway to a Category 4 Hotel.
  • Earn up to 5 Starpoints® for each dollar of eligible purchases at participating SPG hotels and resorts - that's 2 Starpoints for using the Card in addition to the Starpoints you earn as an SPG member. Earn 1 Starpoint for all other purchases.
  • Free Hotel Nights: redeem Starpoints at over 1,100 hotels in nearly 100 countries worldwide - with no blackout dates. Some hotels may have mandatory service and resort charges.
  • Free Flights: redeem Starpoints on over 350 airlines with SPG Flights - with no blackout dates
  • No limits on the number of Starpoints you can earn
  • $0 introductory annual fee for the first year, then $65
  • Terms and Restrictions apply.

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Apply Now Credit Needed: Excellent

Balance Transfer Intro APR

None

Balance Transfer Intro Period

None

Purchase Intro

APR: None

Purchase APR

15.24% - 19.24% Variable

Annual Fee

$65

$0 introductory annual fee for the first year, then $65

Business Green Rewards Card from American Express OPEN

Editor's Rating

  • Receive 5,000 bonus points on your first purchase
  • No pre-set spending limit* or finance charges
  • Earn one Membership Rewards® point for every dollar you spend
  • Redeem points toward top-tier rewards including travel, merchandise, office equipment, and gift cards for you or your employees
  • $0 introductory annual fee for the first year, then $95
  • Terms & Restrictions Apply.

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Apply Now Credit Needed: Excellent

Balance Transfer Intro APR

N/A

Balance Transfer Intro Period

N/A

Purchase Intro

APR: N/A

Purchase APR

N/A

Annual Fee

$95

$0 introductory annual fee for the first year, then $95

SimplyCash® Business Card from American Express

Editor's Rating

  • Limited Time Offer: You can get a $250 statement credit after you spend $3,000 on qualifying purchases within the first 3 months of Card Membership.
  • To be eligible for this offer, you must be approved by April 28, 2014.
  • With no annual membership fee, it's a smart choice for your business.
  • 5% at U.S. office supply stores & on wireless telephone services purchased directly from U.S. service providers
  • 3% on the category of your choice
  • 1% on other purchases
  • 5% and 3% apply to purchases up to $25,000 per rebate year then 1% thereafter. Cash back earned is automatically credited to your statement.
  • Terms and limitations apply

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Apply Now Credit Needed: Excellent

Balance Transfer Intro APR

N/A

Balance Transfer Intro Period

N/A

Purchase Intro

APR: 0%

Period: for 9 months

Purchase APR

12.24% - 19.24% Variable

Annual Fee

N/A

No annual fee

Discover it® card

Editor's Rating

  • Fair. No annual fee. No overlimit fee. No foreign transaction fee. Pay up to midnight ET online or by phone on your due date without a fee. Plus, paying late won't raise your APR.*
  • Generous. 5% cash back at Home Improvement Stores, Furniture Stores and Bed Bath & Beyond® on up to $1,500 in purchases from April through June 2014.*
  • Human. 100% U.S.-based customer service available any time.
  • Safe. Because you're never responsible for unauthorized charges with our $0 Fraud Liability Guarantee.
  • Plus, free FICO® Credit Score on your monthly statement to help you stay on top of your credit.*
  • 0% Intro APR* on purchases and balance transfers for 14 months. Then the variable purchase APR applies, currently 10.99% - 22.99%. A fee of 3% applies for each balance transferred.
  • *Click "Apply" to see rates, rewards, and free FICO® Credit Score terms and other information.

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Apply Now Credit Needed: Excellent

Balance Transfer Intro APR

0%

Balance Transfer Intro Period

14 months

Purchase Intro

APR: 0%

Period: 14 months

Purchase APR

10.99% - 22.99% Variable*

Annual Fee

$0

Blue Cash Preferred® Card from American Express

Editor's Rating

  • Get 100 Reward Dollars, redeemable for a $100 statement credit, after you make $1,000 in purchases with your new Card in the first three months.
  • Plus, get one year of Amazon Prime after you sign up for a new membership with your Card and meet the spending requirement in the same time period.
  • As an Amazon Prime member, you get unlimited FREE Two-Day Shipping on millions of items.
  • Earn Cash Back: 6% US supermarkets up to $6,000 per year in purchases, 3% US gas stations & select US dept stores, 1% other purchases. Terms and limitations apply.
  • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
  • 0% intro APR on purchases and balance transfers for 15 months, then a variable rate, currently 12.99% to 21.99%, based on your creditworthiness and other factors.
  • Terms and Restrictions Apply.

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Apply Now Credit Needed: Excellent

Balance Transfer Intro APR

0%

Balance Transfer Intro Period

15 months

Purchase Intro

APR: 0%

Period: 15 months

Purchase APR

12.99% - 21.99% Variable

Annual Fee

$75

Citi Simplicity® Visa® Card

Editor's Rating

  • 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 12.99% - 21.99% based on your creditworthiness.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • No late fees - EVER
  • No penalty rate - EVER
  • No annual fee - EVER
  • Save time when you call with fast, personal help, 24 hours a day.

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Apply Now Credit Needed: Excellent

Balance Transfer Intro APR

0%*

Balance Transfer Intro Period

18 months on Balance Transfers*

Purchase Intro

APR: 0%*

Period: 18 months on Purchases*

Purchase APR

12.99% - 21.99% Variable

Annual Fee

$0 *

Mutual of Omaha Bank Platinum Rewards MasterCard®

Editor's Rating

  • 5000 Reward Points bonus on first purchase
  • 2X Rewards for First 60 days
  • $1 purchase = 1 reward point
  • Points redemption in Merchandise, Travel, Cash Back
  • No Balance Transfer Fee
  • Low APR
  • No Annual Fee
  • No Penalty APR
  • No Overlimit Fee

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Apply Now Credit Needed: Excellent

Balance Transfer Intro APR

None

Balance Transfer Intro Period

None

Purchase Intro

APR: None

Purchase APR

9.99% - 20.99% Variable

Annual Fee

$0

Citi® Hilton HHonors™ Reserve Card

Editor's Rating

  • Earn 2 weekend night certificates good at select hotels and resorts within the Hilton HHonors portfolio after $2,500 in eligible purchases within 4 months of account opening*
  • Earn 10 HHonors Bonus Points per $1 spent on hotel stays within the Hilton HHonors portfolio*
  • Earn 5 HHonors Bonus Points per $1 spent on airline and car rental purchases*
  • Earn 3 HHonors Bonus Points per $1 spent on all other eligible purchases*
  • Enjoy the benefits of HHonors Gold status as long as you are a cardmember*
  • No foreign transaction fees on purchases*
  • Travel with ease and enjoy global acceptance with your Citi chip credit card

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Apply Now Credit Needed: Excellent

Balance Transfer Intro APR

N/A

Balance Transfer Intro Period

N/A

Purchase Intro

APR: N/A

Purchase APR

15.24% Variable

Annual Fee

$95

Citi ThankYou® Preferred Card - Low Intro APRs

Editor's Rating

  • Enjoy 0% Intro APR on Balance Transfers and Purchases for 15 months. After that, the variable APR will be 12.99% - 22.99% based upon your creditworthiness*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater*
  • 2 ThankYou Points per dollar spent on dining at restaurants and entertainment
  • 1 ThankYou Point on other purchases.
  • Points do not expire and earn unlimited Thank You Points
  • Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more
  • Travel with ease and enjoy global acceptance with Chip Technology
  • No annual fee*

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Apply Now Credit Needed: Excellent

Balance Transfer Intro APR

0%*

Balance Transfer Intro Period

15 months on Balance Transfers

Purchase Intro

APR: 0%*

Period: 15 months on Purchases

Purchase APR

12.99% - 22.99%* Variable

Annual Fee

$0 *

The Blue for Business® Credit Card from American Express

Editor's Rating

  • Earn a 30% annual Relationship Bonus - without an annual membership fee
  • Get 10,000 Membership Rewards® points after making your first purchase on the Card within your first 3 months of Card Membership -- valued at up to $100 in gift cards at select merchants
  • No annual fee for Additional Cards for Employees
  • Get a low introductory APR on purchases for 9 months
  • Use points to reinvest in your business and reward your employees and clients
  • Choose rewards from over 500 leading brands in travel, gift cards, merchandise or entertainment
  • Terms & Restrictions Apply

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Apply Now Credit Needed: Excellent

Balance Transfer Intro APR

N/A

Balance Transfer Intro Period

N/A

Purchase Intro

APR: 0%

Period: for 9 months

Purchase APR

11.24% - 19.24% Variable

Annual Fee

None

No annual fee

US Bank Visa® Platinum Card

Editor's Rating

  • 0% Intro APR* on purchases and balance transfers for 15 billing cycles. After that, a variable APR currently 9.99%-23.99%;
  • No annual fee*;
  • Online bill pay for a fast and convenient way to pay bills online with your U.S. Bank Visa® Platinum;
  • $0 fraud liability* for unauthorized transactions if your card is ever lost or stolen;
  • Fraud Protection detects and notifies you of any unusual card activity to help prevent fraud;
  • Online account management and account alerts

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Apply Now Credit Needed: Excellent

Balance Transfer Intro APR

0%*

Balance Transfer Intro Period

15 billing cycles on balance transfers*

Purchase Intro

APR: 0%*

Period: 15 billing cycles on purchases*

Purchase APR

9.99% - 23.99%* Variable

Annual Fee

$0 *

Citi ThankYou® Premier Card

Editor's Rating

  • Earn up to 50,000 bonus ThankYou® Points. Bonus points are redeemable for up to $500 in gift cards, up to $625 for airfare or other great rewards
  • Earn 20,000 points after $2,000 in purchases within the first 3 months of account opening
  • Earn an additional 30,000 points after another $3,000 in purchases within the first 3 months of your second year of being a cardmember
  • Earn 3 ThankYou Points for every $1 spent on purchases for dining at restaurants and entertainment
  • Earn 2 ThankYou Points for every $1 spent on purchases for airfare and hotels
  • Earn 1 ThankYou Point per $1 spent on other purchases
  • Points do not expire and earn unlimited Thank You Points
  • Travel with ease and enjoy chip based technology

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Apply Now Credit Needed: Excellent

Balance Transfer Intro APR

N/A

Balance Transfer Intro Period

N/A

Purchase Intro

APR: N/A

Purchase APR

13.99% - 22.99%* Variable

Annual Fee

$125

$125; fee waived for the first 12 months*

Discover it®

Editor's Rating

  • Fair. No annual fee. No overlimit fee. No foreign transaction fee. Pay up to midnight ET online or by phone on your due date without a fee. Plus, paying late won't raise your APR.*
  • Generous. 5% cash back at Home Improvement Stores, Furniture Stores and Bed Bath & Beyond® on up to $1,500 in purchases from April through June 2014.*
  • Human. 100% U.S.-based customer service available any time.
  • Safe. Because you're never responsible for unauthorized charges with our $0 Fraud Liability Guarantee.
  • Plus, free FICO® Credit Score on your monthly statement to help you stay on top of your credit.*
  • 0% Intro APR* on balance transfers for 18 months. Then the variable purchase APR applies, currently 10.99% - 22.99%. A fee of 3% applies for each balance transferred.
  • 0% Intro APR* on purchases for 6 months. Then the variable purchase APR applies, currently 10.99% - 22.99%.
  • *Click "Apply" to see rates, rewards, and free FICO® Credit Score terms and other information.

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Apply Now Credit Needed: Excellent

Balance Transfer Intro APR

0%

Balance Transfer Intro Period

18 Months

Purchase Intro

APR: 0%

Period: 6 Months

Purchase APR

10.99% - 22.99% Variable*

Annual Fee

$0

Barclaycard® Ring MasterCard®

Editor's Rating

  • No Balance Transfer Fees - start saving immediately!
  • A low 8% variable APR on balance transfers and purchases
  • No Annual Fees
  • Choose your card benefits and features
  • Get rewarded through the new Giveback™ program, where Barclaycard Ring members get money back for good performance
  • Get exclusive access to our online community and vote on the card features you like and view the financials of the Barclaycard Ring MasterCard online
  • Learn more about personal finance from Barclaycard and other members
  • Complimentary FICO® Scores as a benefit to active cardmembers. Opt-in to have instant and convenient access to FICO® Scores from your Barclaycard online account.

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Apply Now Credit Needed: Excellent

Balance Transfer Intro APR

N/A

Balance Transfer Intro Period

N/A

Purchase Intro

APR: N/A

Purchase APR

8% Variable

Annual Fee

$0

Barclaycard Arrival™ World MasterCard® - Earn 1x on All Purchases

Editor's Rating

  • Start by earning 20,000 bonus miles when you make $1,000 or more in purchases in the first 90 days from account opening. 20,000 bonus miles equates to $200 off your next trip!
  • 0% introductory APR on balance transfers and purchases for the first 12 months after account opening. After that, variable APR, currently 14.99% or 18.99%, based upon your creditworthiness.
  • Earn 2X miles on travel and dining purchases
  • Earn 1X miles on all other purchases
  • No mileage caps or foreign transaction fees
  • Get 10% miles back when you redeem for travel (i.e. redeem 25,000 miles for travel and get 2,500 miles back)
  • Use miles for a statement credit toward any airline purchase to any destination with no seat restrictions and no blackout dates
  • Easily redeem your miles for statement credits toward flights, cruises, car rentals, hotels and more
  • Complimentary one year subscription of TripIt Pro mobile travel organizer - a $49 value
  • Complimentary FICO® Scores as a benefit to active cardmembers. Opt-in to have instant and convenient access to FICO® Scores from your Barclaycard online account.

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Apply Now Credit Needed: Excellent

Balance Transfer Intro APR

0%

Balance Transfer Intro Period

12 months

Purchase Intro

APR: 0%

Period: 12 months

Purchase APR

14.99% or 18.99% Variable

Annual Fee

$0

Citi® Platinum Select® / AAdvantage® World MasterCard®

Editor's Rating

  • Earn 30,000 American Airlines AAdvantage® bonus miles after $1,000 in purchases in the first 3 months of cardmembership*
  • Your first eligible checked bag is free*
  • Group 1 boarding and 25% savings on eligible in-flight purchases*
  • Earn a $100 American Airlines Flight Discount every cardmembership year with qualifying purchases and cardmembership renewal*
  • Double AAdvantage® miles on eligible American Airlines purchases*
  • Earn 10% of your redeemed AAdvantage® miles back - up to 10,000 AAdvantage® miles each calendar year*

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Apply Now Credit Needed: Excellent

Balance Transfer Intro APR

N/A

Balance Transfer Intro Period

N/A

Purchase Intro

APR: N/A

Purchase APR

13.99% - 21.99%* Variable

Annual Fee

$95

$95, waived for first 12 months*

Citi ThankYou® Preferred Card – Earn 20,000 Bonus Points

Editor's Rating

  • Earn 20,000 bonus ThankYou® Points after $1,500 in card purchases within 3 months of account opening – redeemable for $200 in gift cards or other great rewards!
  • 0% intro APR on Balance Transfers and Purchases for 12 months. After that, the variable APR will be 12.99%-22.99% based upon your creditworthiness*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.*
  • 2 ThankYou Points per dollar spent on dining at restaurants and entertainment
  • 1 ThankYou Point on other purchases
  • Points do not expire and earn unlimited Thank You Points
  • Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more
  • Travel with ease and enjoy global acceptance with Chip Technology
  • No annual fee*

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Apply Now Credit Needed: Excellent

Balance Transfer Intro APR

0%*

Balance Transfer Intro Period

12 months on Balance Transfers

Purchase Intro

APR: 0%*

Period: 12 months on Purchases

Purchase APR

12.99% - 22.99%* Variable

Annual Fee

$0 *

Barclaycard Arrival™ World MasterCard® - Earn 2x on All Purchases

Editor's Rating

  • Earn 40,000 bonus miles when you spend $3,000 or more on purchases in the first 90 days from account opening. 40,000 bonus miles equates to $400 off your next travel redemption!
  • 0% introductory APR on purchases and balance transfers for the first 12 months after account opening. After that, variable APR, currently 14.99% or 18.99%, based upon your creditworthiness.
  • Earn 2X miles on all purchases
  • No mileage caps or foreign transaction fees
  • Get 10% miles back when you redeem for travel statement credits (i.e. redeem 25,000 miles for travel and get 2,500 miles back)
  • Use your card to book through any airline, hotel or discount travel engine with no blackout dates or seat restrictions
  • Easily redeem your miles for statement credits towards all or a portion of your travel purchases within the last 90 days
  • Complimentary online FICO® Score access for Arrival cardmembers

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Apply Now Credit Needed: Excellent

Balance Transfer Intro APR

0%

Balance Transfer Intro Period

12 months

Purchase Intro

APR: 0%

Period: 12 months

Purchase APR

14.99% or 18.99% Variable

Annual Fee

$89

$89 - Waived first year

Capital One® Quicksilver® Cash Rewards Credit Card

Editor's Rating

  • One-time $100 bonus after you spend $500 on purchases within the first 3 months
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories and no sign ups needed to earn cash rewards
  • Redeem the cash back you earn for any amount, any time
  • Your cash back doesn't expire
  • 0% intro APR on purchases and balance transfers until January 2015
  • No annual fee

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Apply Now Credit Needed: Excellent

Balance Transfer Intro APR

0%

Balance Transfer Intro Period

until January 2015

Purchase Intro

APR: 0%

Period: until January 2015

Purchase APR

12.90% - 22.90% Variable

Annual Fee

$0

Playstation® Card from Capital One®

Editor's Rating

  • Earn 5,000 bonus points after your first purchase in the first 90 days
  • 10 points per $1 spent on all Playstation® Store purchases
  • 3 points per $1 spent on Playstation® and Sony purchases at Sony Store and store.sony.com
  • 3 points per $1 spent on quick service restaurants, movie theatres & your mobile phone bill
  • 1 point per $1 spent on all other purchases
  • Redeem for Sony products, movies, music & more
  • 0% intro APR on purchases until February 2015, after that a variable 13.9% - 24.9% applies
  • No annual fee

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Apply Now Credit Needed: Excellent

Balance Transfer Intro APR

N/A

Balance Transfer Intro Period

N/A

Purchase Intro

APR: 0%

Period: until February 2015

Purchase APR

13.90% - 24.90% Variable

Annual Fee

$0

These quotes are from credit card issuers which have paid for a link to their website. Offers are subject to change without notice and may not be the same for all consumers.