Best credit cards for excellent credit from our partners

Last Updated, August 12, 2019
Best credit cards for excellent credit

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Don't let your excellent – and hard-earned – credit score gather dust. Use it to cash in on the amazing perks only those with your level of credit receive. The reality is that your top score makes you a hot commodity for credit card issuers because you've shown you know how to handle credit and you are likely to be a low-risk cardholder, aka a person who uses their card and pays off the balance.

In other words, you're the golden goose of credit card customers and issuers are willing to throw their best features, perks and rewards your way in hopes of landing you as a cardholder. 

So let them woo you with those highly coveted rewards, perks and features! All those extras could ultimately save you money, and not just when it comes to the rewards. Cards for people with excellent credit often feature some "fine print" features like auto rental insurance or travel reimbursements or purchase protections that will save you money because you won't be buying those features separately.


The cards below reflect our picks for individuals with excellent credit and they range from offers of travel rewards to cash back to low interest; there are even options for business credit cards. Still, don't see what you're looking for below? Browse our full database of cards for people with high credit scores.



Bank of America® Cash Rewards credit card - $200 Cash Rewards Offer

Why We Like It: We love options and this card rewards your excellent credit score with the best option of all: the ability to choose where you'll earn top cash back from among a list of six popular, everyday categories. What's better than 3% back on your purchases? The ability to decide where you earn that 3% back.

The Bonus: Earn a $200 online cash-back bonus after you spend $1,000 on purchases within the first 90 days. Additionally, take advantage of an intro 0% APR for 15 billing cycles on purchases and on balance transfers made within the first 60 days (then, 16.24% - 26.24% Variable APR on purchases).

The Annual Fee: $0

The Rewards: Earn 3% back in a category of your choosing from among this list: gas, travel, dining, online shopping, drugstores or home improvement/furnishings. Earn 2% back on your grocery store and wholesale club purchases (3% and 2% back apply to the first $2,500 spent quarter in combined choice category/grocery store/wholesale club purchases, then 1%) and 1% back on your other purchases.

If you're a Bank of America Preferred Rewards client, you can earn an additional 25%-75% rewards bonus on every purchases depending on your Preferred Rewards tier. Read our full Bank of America® Cash Rewards credit card - $200 Cash Rewards Offer review.

Citi® Double Cash Card - 18 month BT offer

Why We Like It: First, you get your rewards as straight cash back: You don't have to redeem miles for travel or route them through particular investment accounts. And, secondly, this card rewards you for paying off your balance – something we always support. (Citi is a CardRatings advertiser)

The Bonus: The cash back applies whether you pay down your balance for your purchases all at once or over a number of months or years.

The Annual Fee: $0

The Rewards: You earn 1% back per $1 spent on every purchase, then earn another 1% back when you pay your balance (you must pay the minimum amount due on time to earn cash back). That brings your total cash back opportunity to 2% on every purchase with no caps or categories to think about. 

Blue Cash Preferred® Card from American Express

Why We Like It: This card is the king of cash back. Providing your personal spending patterns align with the card's rewards program, don't worry about its $95 annual fee, you can make that back – and plenty more – if you use the card regularly. Terms apply.

The Bonus: Earn $250 cash back after you spend $1,000 in the first three months. Terms apply

The Annual fee: $95Terms apply. 

The Rewards: The card offers 6% cash back on purchases made at U.S. supermarkets (on up to $6,000 spent annually, then 1 percent) and on select U.S. streaming subscriptions; 3% cash back on purchases made at U.S. gas stations and on transit including trainand bus fares, rideshares, parking, tolls and more; and 1% cash back on other purchases. Terms apply.

Capital One® Savor® Cash Rewards Credit Card

Why We Like It: Dining out is already exciting on its own, but it's especially more so when you know you're earning cash back while doing so. The Capital One® Savor® Cash Rewards Credit Card doubles the fun (well, quadruples it actually) when dining out or enjoying a night on the town, with 4% earned on every dining and entertainment purchase made.

The Bonus: Earn a $300 welcome bonus once you spend $3,000 with the card within three months of opening an account.

The Annual fee: $0 intro for first year; $95 after that

The Rewards: Earn unlimited, 4% cash back on dining and entertainment purchases, 2% on grocery store purchases, and 1% on everything else.

Wells Fargo Cash Wise Visa® Card

Why We Like It: This card offers peace of mind and backs it up with cash rewards that will have you seeing green. With cell phone protection (up to $600 annually, with a $25 deductible) when you pay your bill on the card and free monthly FICO scores, your mind will be at ease while you use this card to earn money simply by spending money.

The Bonus: Receive a $150 cash rewards bonus when you use your new card to make $500 in purchases in the first three months. Plus, earn 1.8% cash back on your qualifying digital wallet purchases for the first 12 months.

The Annual fee: $0

The Rewards: The 1.5% cash back on every purchase is unlimited.

U.S. Bank Cash+™ Visa Signature® Card

Why We Like It: Of all we've seen, this card is among the best credit card offers for excellent credit scores. With its cash back percentages and loads of choice for its cardholders, it's a winner for most customers no matter where you choose to spend your money.

The Bonus: Receive an extra .5% cash back for the first year in all categories, meaning you can earn up to 5.5% on your purchases.

The Annual fee: $0

The Rewards: Earn 5% cash back on your first $2,000 in combined purchases each quarter in two categories that you choose from a list of categories that include everything from department stores to cell phones to gas stations to gym memberships and more; earn 2% back on one everyday category of your choosing from the same list; and earn 1% on all your other purchases. 

Discover it® Cash Back

Why We Like It: This card offers plenty of opportunity rake in some serious cash back, especially given the match offered after your first year as a cardholder. Not bad for a card with no annual fee.

The Bonus: Discover will match all the cash back you earn during your first year as a cardholder. That means if you earn $200 cash back in your first year, that will become $400 after the match.

The Annual fee: $0

The Rewards: Earn 5% cash back in categories that rotate each quarter up to the quarterly maximum of $1,500 spent each time you activate. Plus, earn unlimited 1% cash back on all other purchases and once you reach the cap.


Chase Sapphire Preferred® Card

Why We Like It: Chase Ultimate Rewards® points are transferable to many frequent flyer and hotel loyalty programs, so you aren't tied down to a single brand with this card.

The Bonus: Earn 60,000 Chase Ultimate Rewards® points after spending $4,000 in the first three months. That's worth $750 in travel.

The Annual Fee: $95

The Rewards: Earn two times the points on travel and dining at restaurants and one point on everything else. Chase Ultimate Rewards® points are transferable to numerous frequent flyer and hotel loyalty programs.

Chase Sapphire Reserve®

Why We Like It: As we mentioned above, Ultimate Rewards® points are valuable and flexible. This card takes what you love about the Chase Sapphire Preferred® Card and gives it a luxury polish. Sure, the annual fee is higher than typical, but your perks and features are tops and you have the chance to seriously offset that fee if you use your card regularly. We're not the only ones impressed by this card: MONEY® Magazine named it the "Best Premium Travel Credit Card" for 2018.

The Bonus: You'll earn 50,000 Chase Ultimate Rewards® points after spending $4,000 in the first three months; in this case, however, those points are worth up to $750 in travel since Chase Sapphire Reserve® cardholders receive 50% more value when redeeming points through Ultimate Rewards®.

The Annual Fee: $450

The Rewards: Earn three times the points on dining at restaurants and on travel that isn't eligible for the annual travel reimbursement (more on that below) and one point on everything else. Remember that Chase Ultimate Rewards® points are transferable to multiple frequent flyer and hotel loyalty programs, plus they're worth 50% more when redeemed through the Chase travel portal for cardholders.

Additional Features: Cardholders are eligible for up to $300 each account anniversary year in statement credit reimbursements to cover travel costs. Plus, you'll enjoy complimentary airport lounge access and a credit for your Global Entry application fee. That's just scratching the surface of the perks you'll have access to with this card.

Capital One® Venture® Rewards Credit Card

Why We Like It: Your miles don't expire as long as the account is open and can be applied to flights, hotel stays, car rentals, cruises and more. The card comes with no foreign transaction fees when making purchases outside of the United States AND this card offers an application fee refund of up to $100 for your Global Entry or TSA Pre✓® application, a perk normally reserved for credit cards with much higher annual fees.

The Bonus: Receive 50,000 miles (equal to $500 in travel) after you spend $3,000 on purchases within the first three months after your account is opened.

The Annual Fee: $95, waived the first year.

The Rewards: Earn two times the miles per $1 spent on every purchase without a cap or category to consider. And, thanks to a new partnership, use your card to book stays through Hotels.com/Venture and you'll earn 10 times the miles on those bookings. That's in addition to the Hotels.com rewards program through which you earn a free night for every 10 nights you stay through the site.

And another thing, you can fly any airline, stay at any hotel, anytime and not have to worry about blackout dates. Plus, you can transfer your miles to over 12 leading travel loyalty programs.

American Express® Gold Card

Why We Like It: There's a lot of value here even with an above-average annual fee. Consider, for instance, that cardholders receive up to $100 in statement credit annually to cover incidentals such as baggage fees on a pre-selected airline. (Terms apply; American Express is a CardRatings advertiser)

The Bonus: Earn 35,000 Membership Rewards® points after you spend $2,000 on eligible purchases with your new Card within the first three months. You can also earn up to $10 total in statement credits monthly when you pay with The Gold Card at Grubhub, Seamless, The Cheesecake Factory, Boxed, Ruth's Chris Steak House and participating Shake Shack locations. This is an annual savings of up to $120. Enrollment required. Terms apply.

The Annual Fee: $250. Terms apply.

The Rewards: Earn 4X Membership Rewards® points for charges at restaurants worldwide and 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 in purchases each year, then 1X). Earn 3X Membership Rewards® points on flights booked directly with airlines or via amextravel.com and 1x points on all your other purchases. Terms apply.


Capital One® Quicksilver® Cash Rewards Credit Card

Why We Like It: This card offers a lengthy 0% APR period on purchases and balance transfers, the chance to rack up cash-back rewards AND doesn't charge an annual fee or foreign transaction fees.

The Bonus: Earn a one-time $150 cash-back bonus after you spend $500 on purchases with in the first three months of account opening. Plus, take advantage of an introductory 0% APR for 15 months on purchases and balance transfers (then, 16.24% - 26.24% (Variable)). Balance transfer fees apply.

The Annual fee: $0

The Rewards:  Earn 1.5% cash back on every purchase with no caps or categories to worry about. Read our full review of the Capital One® Quicksilver® Cash Rewards Credit Card.

Simmons Rewards Visa Signature®

Why We Like It: With its comparatively low 12.25% variable APR, no annual fee and no balance transfer fees, plus the opportunity to earn rewards, this card is truly geared toward the person who wants a little bit of everything in their credit card.

The Bonus: The "bonus" here is really the ultra-low APR that could save you big bucks in interest charges if you find yourself needing to carry a balance for a few months.

The Annual fee: $0

The Rewards:  Cardholders who sign up will earn 1.25 points per $1 spent that can be redeemed for a variety of travel rewards.


Ink Business Preferred℠ Credit Card

Why We Like It: Chase Ultimate Rewards® points are flexible, valuable and combine-able, making them especially attractive to business owners. With this card, you can rack up those points with your business' everyday purchases and then combine them with Ultimate Rewards® points you earn through other cards on the system – even your personal cards. Additionally, if you pay your cellular bill with the card, the primary line as well as all phone listed on that account will receive cell phone insurance against covered damage and theft (terms and deductibles apply).

The Bonus: Earn 80,000 bonus points, worth $1,000 in travel when you redeem through the Ultimate Rewards® portal, after spending $5,000 on purchases within the first three months of opening your account. On an ongoing basis, Ultimate Rewards® points are worth 25 % more when you redeem them for travel through Chase Ultimate Rewards®.

The Annual fee: $95

The Rewards:  Cardholders earn three points per $1 spent on the first $150,000 in combined spending each year on travel; shipping costs; Internet, cable, and phone services; and advertising purchases made with social media sites and search engines. You also earn one point per $1 spent on all your other purchases as well as on your bonus purchases after hitting that $150,000 cap annually. Read our full Ink Business Preferred℠ Credit Card review.


This card pairs quite well with other cards in the Chase Ink family, including the Ink Business Cash℠ Credit Card and the Ink Business Unlimited℠ Credit Card. Neither of these cards charges an annual fee, but both offer the opportunity to rack up higher amounts of Chase Ultimate Rewards® points in certain categories. The savvy credit card user will carry all three cards, use whichever one earns the most rewards for a given purchase and then combine all those rewards under your Ink Business Preferred℠ Credit Card through which you'll receive 25% more value for those rewards when you redeem through Chase Ultimate Rewards®.

American Express® Blue Business Cash Card

Why We Like It: This no-annual-fee card offers the opportunity to rack up some serious rewards for your business AND features an introductory 0% APR period on purchases and balance transfers so you can make that purchase that will help get your business off the ground or launch it into its next phase (after the intro period, the APR becomes 15.24% - 21.24% Variable). Terms apply

The Bonus: There isn't a traditional bonus, but you can take advantage of an introductory 12 months no interest on purchases and balance transfers (then, 15.24% - 21.24% Variable).

The Annual Fee: No annual fee

The Rewards: Earn 2% cash back on the first $50,000 you spend each year. After hitting the spending cap, you earn 1% cash back on your purchases. Your cash-back rewards will be automatically credited to your statement. Terms apply. Read our full American Express® Blue Business Cash Card review.


If you landed on this article, but you're a bit confused about what a credit score is and when it matter, we understand. There's a lot to keep up with when it comes to the topic. But here's the thing: your credit score will determine not only what credit cards you are most likely to be approved for, but also the interest rates on those cards as well as your likelihood of being approved for other types of loans and their interest rates as well.

Credit scores can even impact your insurance rates and, depending on your industry, whether a company decides to hire you. In other words, you need to understand the importance of credit scores and also have a good grasp of where yours stands (as well as how to improve it).

Your individual score is determined by a variety of factors including the length of your credit history, the number and types of credit accounts or loans you have, what percentage of your available credit you're using at any given moment (your credit utilization), the number of times a lender has looked at your credit recently (these are called credit inquiries and they generally happen when you apply for a new loan or credit card) and how consistent you are about paying your bills on time, every time.

Some of these things, like the length of your credit history, you can't do much about besides wait for time to pass. But most of the factors are under your control. You can certainly control whether you'r paying your bills on time, keeping your overall utilization low (under 30% is the suggested amount) and only applying for cards/loans you truly need so as to avoid unnecessary credit inquiries.

Don't have excellent credit? Don't give up on a credit card!

CardRatings.com recommends that you do not apply for credit cards that require excellent credit if you don't have excellent credit. If you apply for multiple cards and are denied repeatedly, these multiple credit card inquiries can end up lowering your credit. If you don’t know your credit score, sign up for a free credit score, credit report card, as well as a personal credit analysis with our preferred partner, Credit Sesame. And if your credit score isn't strong, fret not – there are cards suited for every credit tier. Click the links on below to find a card that matches your credit.

>> Explore offers for Excellent creditGood credit, Fair credit and/or Poor credit


Having a stellar credit score doesn't make choosing the right credit card for you any easier. On the contrary, you probably have a wider selection from which to choose than someone with an average/fair credit score, so compiling your short list can be more time consuming. Here are some key points to remember:

Focus on what matters to you. If you always pay down your card balance in full each month, you never pay any interest, so you shouldn't worry about purchase APRs. If, on the other hand, you often carry forward card debt, you definitely want to focus on purchase APRs.
The right type of rewards. Earning miles, points or cash back can be a big deal, so make sure your new card maximizes earning opportunities for someone with your spending patterns. It should simultaneously let you redeem the sorts of rewards that fit your lifestyle.
The right rewards program. Some cards make you jump through hoops to maximize the rewards you earn. Others make earning automatic. Pick the one you're going to get the most from.
Remember to protect yourself. If such things are important to you (and why wouldn't they be?), make sure the card you pick provides you with extended warranties, price and purchase protection.
Be realistic about annual fees. Don't automatically reject a card just because it has an annual fee. Ask yourself whether the benefits it buys you are worth the cost.
On the other hand, don't apply for a credit card just because you can. Make sure you understand the level of financial responsibility you're ready to assume. Remember that having a credit card opens a lot of doors in terms of ease of use, security and, of course, rewards, but it also opens the door to temptation. You've worked hard for that high credit score; don't ruin it with a spending spree you can't afford even if an issuer is willing to approve you for one of these fantastic cards.

For rates and fees for the American Express cards mentioned in this post, please see the following links: American Express® Gold Card (See Rates and Fees); Blue Cash Preferred® Card from American Express (See Rates and Fees); American Express® Blue Business Cash Card (See Rates and Fees)

Disclaimer: The information in this article is believed to be accurate as of the date it was written. Please keep in mind that credit card offers change frequently. Therefore, we cannot guarantee the accuracy of the information in this article. Reasonable efforts are made to maintain accurate information. See the online credit card application for full terms and conditions on offers and rewards. Please verify all terms and conditions of any credit card prior to applying.

This content is not provided by any company mentioned in this article. Any opinions, analyses, reviews or recommendations expressed here are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any such company. CardRatings.com does not review every company or every offer available on the market.


    July 16, 2015 - 11:25 pm
    I have been using Citi Double Cash master card for more than 1 yr now. They are great. I use them everywhere (except Costco) from pumping gas to grocery store.
      Reply »  
  2. A. nonymouse
    July 14, 2015 - 11:29 pm
    Why aren't the interest rates for any of these cards listed? Everyone knows paying the balance within the grace period is the way to go but, in the event something goes awry... It seems that's not a factor in this article.
      Reply »  
    1. Amber Stubbs
      July 20, 2015 - 7:58 pm
      Since we cover several cards in this article, we want to focus on the key points of each card. So, for rewards cards we do not cover the interest rate because we would not recommend carrying a balance on most rewards cards. If you need to carry a balance your only focus should be finding the lowest rate since any rewards you earn will be more than offset by the interest.
        Reply »  
  3. Judith Mulenga
    July 13, 2015 - 12:56 am
    can someone evaluate Premier Rewards Gold Card from American Express card. I just received an offer from them. Though I hold a credit card from BOA and Capital one. And capital one has been great to me and helping me with my credit score. So what are the benefits of AMERIEXM?
      Reply »  
  4. MMeinert
    July 04, 2015 - 8:18 pm
    REPLY TO JLBiggs June 05, 2015 at 4:01 pm, USAA has the best deal of all mentioned.
      Reply »  
  5. Jeffrey Fissel
    July 01, 2015 - 11:47 pm
    American Express Preferred Cash card is the best card out there. Great rewards and generous cash back plus great customer service. The nominal fee is easily re cooped
      Reply »  
  6. Lisa
    July 01, 2015 - 1:09 pm
    You can call AmEx and ask them about your favorite stores, and they will check to see under which code that store submits their charges. Basically, it has to be primarily a grocery store and not a big department store with just a grocery section, not a discount club, not a convenience store that sells groceries, etc. This means NOT Wal-mart, Target, BJ's, Sam's Club, CVS, Walgreens, Aldi, etc. It works for me because I shop a lot at Price Chopper here in the northeast. Hope this helps.
      Reply »  
  7. MJPer
    June 21, 2015 - 2:43 pm
    Is there any way to find out which grocery stores and gas stations are eligible for the 6% cash back on the Amex Blue card. I would hate to apply and then find out the stores I frequent are not eligible.
      Reply »  
  8. JoAnnR
    June 16, 2015 - 7:20 pm
    I was surprised that Discover Card wasn't listed here either. Discover offers 1% back on all purchases and then each quarter offers 5% back on different purchases. Right now it's on travel.
      Reply »  
    1. Amber Stubbs
      June 16, 2015 - 10:01 pm
      We like the Discover it Card as well and it made our list of the best cash back cards.
        Reply »  
  9. MickinMD
    June 15, 2015 - 4:50 pm
    Having a few no-annual-fee cash back cards and using the right one at the right place and time pays off well.
    For example, Discover gave 5% cash-back at stand-alone gas stations from Jan-Mar, Chase's Freedom Visa does so from July-Sept, and Bank of America's Cash Rewards Mastercard gives 3% back the other months. The last two also give a $100 extra cash-back bonus if you charge $500 in the first 90 days. The Mastercard has a one-time 15% off deal for Five Guys ($6 on my $40 order) and similar ones for Panera Bread and Papa John's Pizza in June.

    I tried out the American Express Blue Cash Preferred Card even though it has a $75 annual fee because it gave a $150 cash-back bonus for charging $1000 in 90 days and if gives 6% cash-back at stand-alone supermarkets. But since I do most of my grocery shopping at Aldi, Walmart, etc. that don't apply, I'm switching to the no-annual fee American Express Blue Cash Everyday Card when my year is up in November. I just don't use the Blue Cash Preferred Card enough to pay for the annual fee when my other cards pay more cash back in various situations.
      Reply »  
    1. Amber Stubbs
      June 16, 2015 - 10:07 pm
      You are right about that. If you are card savvy, and willing to put in a little work, you can earn some serious cash back using a couple of cards that offer bonus cash back in certain spending categories and the no-fee card with the highest earn rate for everything else.
        Reply »  
  10. cathy carl
    June 14, 2015 - 1:13 pm
    Does everybody accept the citi double cash card? Is it a visa or mastercard?
      Reply »