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Credit card offers for excellent credit from our partners

By Curtis Arnold Editor-in-chief, updated on May 26, 2015

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 card offers for excellent credit are available to suit any personal or business need.

Compare your card and see how it stacks up
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Capital One<sup>®</sup> Venture<sup>®</sup> Rewards Credit Card
About Our Ratings

Capital One® Venture® Rewards Credit Card

  • Enjoy 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
  • Earn unlimited 2X miles per dollar on every purchase, every day
  • Fly any airline, stay at any hotel, anytime
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Balance Transfer Intro APR N/A
Balance Transfer Intro Period N/A
Purchase Intro APR: N/A
Purchase APR 12.9% - 22.9% (Variable) 
Annual Fee $0 intro for first year; $59 after that
APPLY NOW Credit Needed Excellent/Good
The Plum Card<sup>®</sup> from American Express OPEN
About Our Ratings

The Plum Card® from American Express OPEN

  • Do Business on your terms: Get a 1.5% discount for paying early or up to 60 days to pay without interest, or both each month.
  • LIMITED TIME OFFER ends 8/24/2015. Earn up to 3.5% back on your first $30,000 in purchases on the Card within the first 3 months of Card Membership.
  • Here's how: Pay early and get 1.5% back with no cap. Plus, get an additional $200 statement credit for every $10,000 you spend on the Card, up to $600 back. That can be an extra 2%.
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Balance Transfer Intro APR N/A
Balance Transfer Intro Period N/A
Purchase Intro APR: N/A
Purchase APR N/A 
Annual Fee $0 introductory annual fee your first year, then $250.
APPLY NOW Credit Needed Good
Citi<sup>®</sup> Double Cash Card
About Our Ratings

Citi® Double Cash Card

  • 0% Intro APR on Balance Transfers and Purchases for 15 months. After that, the variable APR will be 12.99%-22.99%, based on your creditworthiness
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater
  • The only card that earns you cash back TWICE on every purchase with:
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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*
APPLY NOW Credit Needed Excellent
Barclaycard<sup>®</sup> Ring MasterCard<sup>®</sup>
About Our Ratings

Barclaycard® Ring MasterCard®

  • No Balance Transfer Fees - start saving immediately!
  • A low 8% variable APR on balance transfers and purchases
  • No Annual Fees
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Balance Transfer Intro APR N/A
Balance Transfer Intro Period N/A
Purchase Intro APR: N/A
Purchase APR 8% Variable 
Annual Fee $0
APPLY NOW Credit Needed Excellent
Citi Simplicity<sup>®</sup> Card
About Our Ratings

Citi Simplicity® Card

  • 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the variable APR will be 12.99% - 22.99% 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
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Balance Transfer Intro APR 0%*
Balance Transfer Intro Period 21 months on Balance Transfers*
Purchase Intro APR: 0%*
Period: 21 months on Purchases*
Purchase APR 12.99 - 22.99% Variable
Annual Fee $0*
APPLY NOW Credit Needed Excellent
BuyPower Card from Capital One<sup>®</sup> -Get The Card That Helps You Get The Car
About Our Ratings

BuyPower Card from Capital One® -Get The Card That Helps You Get The Car

  • 5% Earnings on your first $5,000 in purchases every year
  • Unlimited 2% Earnings on every purchase after that
  • Redeem Earnings toward the purchase or lease of a new Chevrolet, Buick, GMC or Cadillac vehicle
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Balance Transfer Intro APR n/a
Balance Transfer Intro Period n/a
Purchase Intro APR: 0% intro on purchases
Period: 12 months
Purchase APR 11.9% - 19.9% (V) 
Annual Fee $0
APPLY NOW Credit Needed Excellent/Good
Citi ThankYou<sup>®</sup> Preferred Card for College Students
About Our Ratings

Citi ThankYou® Preferred Card for College Students

  • Earn 2,500 bonus ThankYou® Points after spending $500 within the first 3 months of cardmembership.
  • 2 ThankYou® Points per dollar spent on purchases for dining at restaurants and entertainment.
  • 1 ThankYou® Point on other purchases.
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Balance Transfer Intro APR N/A
Balance Transfer Intro Period N/A
Purchase Intro APR: 0%*
Period: 7 months on Purchases*
Purchase APR 13.99% - 23.99%* (Variable) 
Annual Fee $0*
APPLY NOW Credit Needed Good
Sony Card from Capital One<sup>®</sup>
About Our Ratings

Sony Card from Capital One®

  • 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
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Balance Transfer Intro APR N/A
Balance Transfer Intro Period N/A
Purchase Intro APR: 0% intro on purchases
Period: until February 2016
Purchase APR 13.9% - 24.9% (Variable) 
Annual Fee $0
APPLY NOW Credit Needed Excellent
Capital One<sup>®</sup> VentureOne<sup>®</sup> Rewards Credit Card
About Our Ratings

Capital One® VentureOne® Rewards Credit Card

  • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within the first 3 months, equal to $200 in travel
  • Earn unlimited 1.25 miles per dollar on every purchase, every day and pay no annual fee
  • Fly any airline, stay at any hotel, anytime
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Balance Transfer Intro APR N/A
Balance Transfer Intro Period N/A
Purchase Intro APR: 0% intro on purchases
Period: until May 2016
Purchase APR 11.9% - 21.9% (Variable) 
Annual Fee $0
APPLY NOW Credit Needed Excellent/Good
The Enhanced Business Gold Rewards Card from American Express OPEN
About Our Ratings

The Enhanced Business Gold Rewards Card from American Express OPEN

  • Get 25,000 Membership Rewards® points after you spend $5,000 in purchases on the Card within the first 3 months of Card Membership
  • Now, Choose where you earn more: 3X points on one of the 5 categories below
  • Airfare purchased directly from airlines, US purchases for: advertising in select media, at gas stations, on shipping, & computer hardware, software, & cloud computing purchases made directly from select providers
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Balance Transfer Intro APR N/A
Balance Transfer Intro Period N/A
Purchase Intro APR: N/A
Purchase APR N/A 
Annual Fee $0 introductory annual fee for the first year, then $175
APPLY NOW Credit Needed Good
Blue Cash Preferred<sup>®</sup> Card from American Express
About Our Ratings

Blue Cash Preferred® Card from American Express

  • Get $150 back after you spend $1,000 in purchases on your new Card in your first 3 months. You will receive $150 back in the form of a statement credit.
  • Hassle-free cash back: no enrollment required, the same great reward categories year-round.
  • 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.
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Balance Transfer Intro APR 0% on Balance Transfers
Balance Transfer Intro Period for 15 months
Purchase Intro APR: 0% on Purchases
Period: for 15 months
Purchase APR 12.99% - 21.99% Variable
Annual Fee $75
APPLY NOW Credit Needed Excellent
The Amex EveryDay<sup>SM</sup> Preferred Credit Card from American Express
About Our Ratings

The Amex EveryDaySM Preferred Credit Card from American Express

  • Earn 15,000 Membership Reward® points after you use your new Card to make $1,000 in purchases within the first 3 months.
  • Earn 50% more points: Use your Card 30 or more times on purchases in a billing period and earn 50% more points on those purchases less returns and credits. Terms and limitations apply.
  • 3x points at US supermarkets on up to $6,000 per year in purchases (then 1x); 2x points at US gas stations; 1x points on other purchases. Terms and limitations apply.
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Balance Transfer Intro APR 0% on Balance Transfers
Balance Transfer Intro Period for 15 months
Purchase Intro APR: 0% on Purchases
Period: for 15 months
Purchase APR 12.99% - 21.99% Variable
Annual Fee $95
APPLY NOW Credit Needed Excellent
Simmons Bank Visa<sup>®</sup> Platinum
About Our Ratings

Simmons Bank Visa® Platinum

Editor's take by Curtis Arnold
  • Consistently an editor's pick due to having one of the lowest variable interest rates in the country
  • No balance-transfer fee
Watch out for: This card is only available to people with impeccable credit
APPLY NOW Credit Needed Excellent
Chevrolet BuyPower Card from Capital One<sup>®</sup>
About Our Ratings

Chevrolet BuyPower Card from Capital One®

  • 5% Earnings on your first $5,000 in purchases every year
  • Unlimited 2% Earnings on every purchase after that
  • Redeem Earnings toward the purchase or lease of a new Chevrolet, Buick, GMC or Cadillac vehicle
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Balance Transfer Intro APR n/a
Balance Transfer Intro Period n/a
Purchase Intro APR: 0% intro on purchases
Period: 12 months
Purchase APR 11.9% - 19.9% (V) 
Annual Fee $0
APPLY NOW Credit Needed Excellent/Good
Starwood Preferred Guest<sup>®</sup> Business Credit Card from American Express
About Our Ratings

Starwood Preferred Guest® Business Credit Card from American Express

  • 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 Award Nights at over 1,100 hotels in nearly 100 countries worldwide
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Balance Transfer Intro APR N/A
Balance Transfer Intro Period N/A
Purchase Intro APR: N/A
Purchase APR 15.24% - 19.24% Variable
Annual Fee $0 introductory annual fee for the first year, then $65
APPLY NOW Credit Needed Good
Capital One<sup>®</sup> Quicksilver<sup>®</sup> Cash Rewards Credit Card
About Our Ratings

Capital One® Quicksilver® Cash Rewards Credit Card

  • One-time $100 cash 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 or sign ups needed to earn cash rewards; plus, cash back doesn't expire and there's no limit to how much you can earn
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Balance Transfer Intro APR 0% intro on balance transfers
Balance Transfer Intro Period until February 2016
Purchase Intro APR: 0% intro on purchases
Period: until February 2016
Purchase APR 12.9% - 22.9% (Variable) 
Annual Fee $0
APPLY NOW Credit Needed Excellent/Good
Citi ThankYou<sup>®</sup> Premier Card
About Our Ratings

Citi ThankYou® Premier Card

  • Earn 50,000 bonus ThankYou Points after $3,000 in purchases within the first 3 months of account opening - redeemable for $500 in gift cards, $625 for airfare, or other great rewards.
  • Earn 3X ThankYou Points on Travel including Gas, 2X ThankYou Points on Dining Out and Entertainment, and 1X ThankYou Points on Other Purchases
  • ThankYou® Points are worth 25% more when redeemed for travel through thankyou.com, as compared to gift cards
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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 $95; fee waived for the first 12 months*
APPLY NOW Credit Needed Excellent
Citi<sup>®</sup> Diamond Preferred<sup>®</sup> Card
About Our Ratings

Citi® Diamond Preferred® Card

  • Get 0% Intro APR on Balance Transfers and Purchases for 21 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 DealsSM 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.
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Balance Transfer Intro APR 0%*
Balance Transfer Intro Period 21 months on Balance Transfers*
Purchase Intro APR: 0%*
Period: 21 months on Purchases*
Purchase APR 11.99% - 21.99%* Variable
Annual Fee $0*
APPLY NOW Credit Needed Excellent
PenFed Promise Visa<sup>®</sup> Card
About Our Ratings

PenFed Promise Visa® Card

  • No annual fee
  • No foreign transaction fee
  • No balance transfer fee
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Balance Transfer Intro APR 4.99% APR promotional balance transfer rate
Balance Transfer Intro Period Promotional balance transfer rate for 12 Months on transfers made between April 1, 2015 through June 30, 2015. After that, the APR for the unpaid balance and any new balance transfers will be 7.99% to 16.99% based on your creditworthiness and will vary with the market based on the Prime Rate. This transaction is subject to credit approval.
Purchase Intro APR: N/A
Purchase APR 7.99% to 16.99% Variable APR when you open your account, based on your creditworthiness.* Your APR will vary with the market based on the Prime Rate. 
Annual Fee $0
APPLY NOW Credit Needed Excellent
Cadillac BuyPower Card from Capital One<sup>®</sup>
About Our Ratings

Cadillac BuyPower Card from Capital One®

  • 5% Earnings on your first $5,000 in purchases every year
  • Unlimited 2% Earnings on every purchase after that
  • Redeem Earnings toward the purchase or lease of a new Chevrolet, Buick, GMC or Cadillac vehicle
See More
Balance Transfer Intro APR n/a
Balance Transfer Intro Period n/a
Purchase Intro APR: 0% intro on purchases
Period: 12 months
Purchase APR 11.9% - 19.9% (V) 
Annual Fee $0
APPLY NOW Credit Needed Excellent/Good
Credit Card Database

More about Credit card offers for excellent credit

  • What does it mean?
  • What are the advantages?
  • What's the catch?
  • How to maintain great credit?

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.

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.

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.

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.