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Credit card offers for excellent credit from our partners

By Curtis Arnold Editor-in-chief, updated on January 29, 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 Card
About Our Ratings

Ink Cash® Business 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
Blue Cash Preferred<sup>®</sup> Card from American Express
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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
Citi Simplicity<sup>®</sup> Card
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Citi Simplicity® Card

  • 0% Intro APR on Balance Transfers and Purchases for 18 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 18 months on Balance Transfers*
Purchase Intro APR: 0%*
Period: 18 months on Purchases*
Purchase APR 12.99 - 22.99% Variable
Annual Fee $0*
APPLY NOW Credit Needed Excellent
Capital One<sup>®</sup> VentureOne<sup>®</sup> Rewards Credit Card
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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 February 2016
Purchase APR 11.9% - 19.9% (Variable) 
Annual Fee $0
APPLY NOW Credit Needed Excellent / Good
Citi<sup>®</sup> Hilton HHonors<sup>™</sup> Visa Signature<sup>®</sup> Card
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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
Chase Freedom<sup>®</sup>
About Our Ratings

Chase Freedom®

Editor's take by Curtis Arnold
  • Currently offering a sign-up bonus and no annual fee
  • Offers a long introductory period in addition to a solid rewards program
Watch out for: Watch out for the cap on bonus cash back and be sure to set reminders to sign up for bonus categories each quarter
APPLY NOW Credit Needed Good
Chase Slate<sup>®</sup>
About Our Ratings

Chase Slate®

Editor's take by Curtis Arnold
  • Features the one of few zero-percent balance transfer offers with no balance-transfer fee currently available
  • Long standing editor's pick because of consistently above-average introductory offer
APPLY NOW Credit Needed Good
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 13.9% - 20.9% (Variable) 
Annual Fee $0 intro for first year; $59 after that
APPLY NOW Credit Needed Excellent / Good
United MileagePlus<sup>®</sup> Explorer Card
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United MileagePlus® Explorer Card

  • Start with 30,000 bonus miles after you spend $1,000 in the first 3 months
  • Check your first bag for free -- save up to $100 per roundtrip
  • Enjoy priority boarding privileges and visit the United Club with two one-time-use passes every year
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Balance Transfer Intro APR N/A
Balance Transfer Intro Period N/A
Purchase Intro APR: N/A
Purchase APR 15.99% Variable
Annual Fee $0 intro annual fee for the first year, then $95
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
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
SimplyCash<sup>®</sup> Business Card from American Express
About Our Ratings

SimplyCash® Business Card from American Express

  • With no annual membership fee, it's a smart choice for your business
  • Reinvest in your business with automatic cash back
  • 5% at U.S. office supply stores & on wireless telephone services purchased directly from U.S. service providers
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Balance Transfer Intro APR N/A
Balance Transfer Intro Period N/A
Purchase Intro APR: 0% on Purchases
Period: for 9 months
Purchase APR 12.24% - 19.24% Variable
Annual Fee No annual fee
APPLY NOW Credit Needed 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.

About Our Ratings ×

Our editors rate credit cards objectively based on the features the credit card offers consumers, the fees and interest rates, and how a credit card compares with other cards in its category. Ratings vary by category, and the same card may receive a certain number of stars in one category and a higher or lower number in another.

The ratings are the expert opinion of our editors, and not influenced by any remuneration this site may receive from card issuers.

Advertisers in our database are highlighted, and advertisements include an option to apply using links on our site. CardRatings.com may be compensated by companies mentioned on the site when a user's application is accepted or approved by such companies.