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Credit Cards for Excellent Credit from our Partners

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.

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PenFed Promise Visa<sup>®</sup> Card
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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% Intro APR
Balance Transfer Intro Period Promotional rate for 12 Months on transfers made from November 01, 2014 through December 31, 2014 with no balance transfer fee. After that, the APR for the unpaid balance and any new balance transfers will vary with the market based on the Prime Rate, and is currently 9.99%. This transaction is subject to credit approval.
Purchase Intro APR: 7.49%
Period: Intro purchase APR for 36 months. After that, the APR will vary with the market based on the Prime Rate, and is currently 9.99%.
Purchase APR 9.99% Variable
Annual Fee $0
APPLY NOW Credit Needed Excellent
PenFed Premium Travel Rewards American Express<sup>®</sup> Card
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PenFed Premium Travel Rewards American Express® Card

  • 20,000 bonus points when you spend $2,500 within the first 3 months of opening the Card account
  • Earn 5 points on airfare purchases
  • Earn 1 point on all other purchases
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Balance Transfer Intro APR 4.99% Intro APR for balance transfers
Balance Transfer Intro Period Promotional balance transfer rate for 12 Months on Balance Transfers made between November 01, 2014 through December 31, 2014. After that, the APR for the unpaid balance and any new balance transfers will vary with the market based on the Prime Rate, and is currently 9.99%. A 3% balance transfer fee applies to each transfer. This transaction is subject to credit approval.
Purchase Intro APR: N/A
Purchase APR 9.99% Variable
Annual Fee $0
APPLY NOW Credit Needed Excellent
Credit Card Database

More about Credit Cards for Excellent Credit from our Partners

  • 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.