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.
Don't have excellent credit? Read this first!
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: $95 (waived the first year).
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: 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 baggage fees on a pre-selected airline and a $75 hotel credit for qualifying charges with The Hotel Collection. (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.
The Annual Fee: $195, waived the first year. Terms apply. See Rates and Fees
The Rewards: Earn three times the points for flights booked directly with airlines; two times the points at U.S. restaurants, U.S. gas stations and at U.S. supermarkets; and one point per $1 spent on your other purchases.
Why We Like It: Starpoints® are valuable and quite flexible, meaning this hotel-branded card is good for a lot more than just earning free hotel stays – like free flights since you can redeem your points with more than 150 airlines or transfer your points directly to one of about 30 frequent flyer programs (transfer 20,000 Starpoints® and receive 5,000 bonus points).
The Bonus: Receive 25,000 bonus Starpoints® after making $3,000 in purchases in the first three months.
The Annual Fee: $95, waived the first year. Terms apply. See Rates and Fees
The Rewards: Earn up to five Starpoints® for every $1 spent at participating SPG® and Marriott Rewards® hotels (two points as a cardholder and an additional two or three points depending upon your SPG membership tier) and one point per $1 for every other purchase.
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: 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.
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: 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: 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.
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.
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 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.
How to choose the right card
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.
- 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.