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.
If you do have that impressive high score, you're tops on the card issuers' wish lists, so let them woo you with their highly coveted rewards, perks and features. The cards below reflect our picks for individuals with excellent credit. If you don't see what you're looking for below, browse our full database of cards for people with high credit scores.
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 50,000 Chase Ultimate Rewards® points after spending $4,000 in the first three months. That's worth $625 in travel.
The Annual Fee: $0 Intro Annual Fee for the first year, then $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.
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.
The Bonus: Once again, 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 percent 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 percent 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.
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 Precheck® 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.
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. Note: The Limited Edition Rose Gold card is only available until 1/9/2019.
(American Express is a CardRatings advertiser)
The Bonus: Receive 25,000 Membership Rewards® points after making $2,000 in purchases in the first three months. Also earn 20 percent back as a statement credit (up to $100) on U.S. restaurant purchases within the first three months (must apply by Jan. 9, 2019).
The Annual Fee: $250. Terms apply. See Rates and Fees
The Rewards: Earn four times the Membership Rewards® points for charges at U.S. restaurants and four times the Membership Rewards® points at U.S. supermarkets (on up to $25,000 in supermarket purchases each year), and earn three times the Membership Rewards® points on flights booked directly with airlines or via amextravel.com.
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 percent back per $1 spent on every purchase, then earn another 1 percent back when you pay your balance. That brings your total cash back opportunity to 2 percent on every purchase with no caps or categories to think about.
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 – every year.
The Bonus: Earn $200 cash back after you spend $1,000 in the first three months.
The Annual fee: $95. Terms apply. See Rates and Fees
The Rewards: The card offers 6 percent cash back on purchases made at U.S. supermarkets (on up to $6,000 spent annually, then 1 percent); 3 percent cash back on purchases made at U.S. gas stations and select U.S. department stores (with no spending cap), and 1 percent cash back on other purchases.
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 percent 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 percent cash back on all other purchases and once you reach the cap.
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 $200 cash rewards bonus when you use your new card to make $1,000 in purchases in the first three months. Plus, earn 1.8 percent cash back on your qualifying mobile wallet purchases for the first 12 months.
The Annual fee: $0
The Rewards: The 1.5 percent cash back on every purchase is unlimited.
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 percent cash back for the first year in all categories, meaning you can earn up to 5.5 percent on your purchases.
The Annual fee: $0
The Rewards: Earn 5 percent 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 percent back on one everyday category of your choosing from the same list; and earn 1 percent on all your other purchases.
Why We Like It: With its ultra-low 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 one travel point per $1 spent that can be used anytime.
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 choice than anyone else, 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.