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Credit card offers for excellent credit from our partners

By Curtis Arnold Editor-in-chief, updated on April 1, 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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Ink Cash<sup>®</sup> Business Credit Card
About Our Ratings

Ink Cash® Business Credit Card

Editor's take by Curtis Arnold
  • Earns cash back in popular business spending categories
  • Good earn rate for a business card with no annual fee
Watch out for: Be mindful of the cap on bonus cash back
APPLY NOW Credit Needed Excellent
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 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
BankAmericard Cash Rewards<sup>™</sup> Credit Card
About Our Ratings

BankAmericard Cash Rewards Credit Card

Editor's take by Curtis Arnold
  • Offers bonus cash-back rewards in popular categories
  • Recommended to people who use their card for gas and at grocery stores
Watch out for: Be mindful of the spending cap on bonus cash back
APPLY NOW Credit Needed Excellent
BankAmericard<sup>®</sup> Visa<sup>®</sup> Card
About Our Ratings

BankAmericard® Visa® Card

Editor's take by Curtis Arnold
  • This value version of the BankAmericard card offers a zero-percent introductory rate on purchases and qualifying balance transfers, chip technology for enhanced security at chip-enabled merchant terminals, and no annual fee†.
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
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
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 January 2016
Purchase APR 13.9% - 24.9% (Variable) 
Annual Fee $0
APPLY NOW Credit Needed Excellent
Citi ThankYou<sup>®</sup> Preferred Card for College Students - Earn 2,500 Bonus Points
About Our Ratings

Citi ThankYou® Preferred Card for College Students - Earn 2,500 Bonus Points

  • 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
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 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 March 2016
Purchase APR 11.9% - 21.9% (Variable) 
Annual Fee $0
APPLY NOW Credit Needed Excellent/Good
Ink Plus<sup>®</sup> Business Credit Card
About Our Ratings

Ink Plus® Business Credit Card

  • Earn 50,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards.
  • Earn 5X points per $1 on the first $50,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet and cable TV services each account anniversary year.
  • Earn 2X points per $1 on the first $50,000 spent in combined purchases at gas stations and hotel accommodations when purchased directly with the hotel each account anniversary year.
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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% Variable
Annual Fee $0 Annual Fee for the First year, then $95
APPLY NOW Credit Needed Excellent
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
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
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
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
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
Citi<sup>®</sup> Hilton HHonors<sup>™</sup> Visa Signature<sup>®</sup> Card
About Our Ratings

Citi® Hilton HHonors Visa Signature® Card

  • 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 any participating hotel within the Hilton Portfolio.*
  • Earn 3 HHonors Bonus Points for each $1 spent on purchases at supermarkets, drugstores and gas stations.*
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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 None
APPLY NOW Credit Needed Excellent
The Business Platinum Card<sup>®</sup> from American Express OPEN
About Our Ratings

The Business Platinum Card® from American Express OPEN

  • Welcome Offer: Get 40,000 Membership Rewards® points after you spend $5,000 in purchases on the Card within your first 3 months of Card Membership
  • A Premium Card with access to over 40 benefits to help power your business
  • Complimentary access to over 700 airport lounges worldwide
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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 $450
APPLY NOW Credit Needed Good
Discover it<sup>®</sup>
About Our Ratings

Discover it®

  • 0% intro APR on balance transfers for 18 months--then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
  • 0% intro APR on purchases for 6 months. Then the variable purchase APR applies, currently 10.99% - 22.99%
  • Free FICO® Credit Score on monthly statements, online and in our mobile app.*
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Balance Transfer Intro APR 0% Intro APR on balance transfers
Balance Transfer Intro Period 18 months
Purchase Intro APR: 0% Intro APR on purchases
Period: 6 months
Purchase APR 10.99% - 22.99% Variable*
Annual Fee $0
APPLY NOW Credit Needed Excellent
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
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
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
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.