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Best Credit Cards for Excellent Credit – Top Credit Cards Best Credit Cards for Excellent Credit

  • Compare the best credit card offers from our partners for those people with Excellent credit (credit score: +700)
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Citi Simplicity® Card - No Late Fees Ever

 

Rated 4.5/5 stars by our editorial team

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Your Rating:

3.8/5.0 from 42 Offer Ratings
Over the Past 60 Days!

(42) Over the Past 60 Days!
  • Intro Purchase APR

    0%* for 12 months on Purchases*

  • Intro BT APR

    0%* for 21 months on Balance Transfers*

  • Regular Purchase APR

    15.99% - 25.99%* (Variable)


  • Typical Credit Needed

    500

    600

    700

    750

    850

  • Annual Fee

    $0

  • Card Brand

    Mastercard®

Highlights

  • The ONLY card with No Late Fees, No Penalty Rate, and No Annual Fee… EVER
  • 0% Intro APR on balance transfers for 21 months from date of first transfer. All transfers must be completed in first 4 months. After that, the variable APR will be 15.99% - 25.99%, based on your creditworthiness.
  • 0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 15.99% - 25.99%, based on your creditworthiness.          
  • If you transfer a balance with this offer, after your 0% Intro purchase APR expires, both new purchases and unpaid purchase balances will automatically accrue interest until all balances, including your transferred balances, are paid in full. 
  • There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
  • The same great rate for all balances, after the introductory period
  • Save time when you call with fast, personal help, 24 hours a day – just say “representative”
  • Enjoy the convenience of setting up your own bill payment schedule on any available due date throughout the month
Apply Now

on Capital One's secure site

Capital One® Venture® Rewards Credit Card

 

Rated 4.5/5 stars by our editorial team

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Your Rating:

3.9/5.0 from 21 Offer Ratings
Over the Past 60 Days!

(21) Over the Past 60 Days!
  • Bonus Miles

    One-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel

  • Rewards Rate

    2 Miles per dollar on every purchase, every day

  • Hotel Bonus Rewards

    Earn unlimited 10x miles on hotels when you pay with your Venture card at hotels.com/venture


  • Typical Credit Needed

    500

    600

    700

    750

    850

  • Annual Fee

    $0 intro for first year; $95 after that

  • Card Brand

    Visa®

Highlights

  • Click "APPLY NOW" to apply online
  • Enjoy a one-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel
  • Earn 2X miles on every purchase, every day. Plus earn 10X miles on thousands of hotels; learn more at hotels.com/venture
  • Named 'The Best Travel Card' by CNBC, 2018
  • Receive up to $100 application fee credit for Global Entry or TSA Pre✓®
  • Fly any airline, stay at any hotel, anytime; no blackout dates
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • No foreign transaction fees
  • $0 intro annual fee for the first year; $95 after that
Apply Now

on Bank of America's secure site

BankAmericard® credit card

 

Rated 4.5/5 stars by our editorial team

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Your Rating:

3.9/5.0 from 20 Offer Ratings
Over the Past 60 Days!

(20) Over the Past 60 Days!
  • Intro Balance Transfer APR

    0% Intro APR for 18 billing cycles for balance transfers made in the first 60 days

  • Intro Purchase APR

    0% Introductory APR on purchases for 18 billing cycles

  • Regular APR

    14.99% - 24.99% Variable APR


  • Typical Credit Needed

    500

    600

    700

    750

    850

  • Annual Fee

    $0

  • Card Brand

    Mastercard®

Highlights

  • Click "APPLY NOW" to apply online or call 800-821-8754
  • NEW OFFER: 0% Introductory APR for 18 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 14.99% - 24.99% Variable APR. 3% fee (min $10) applies to balance transfers
  • No annual fee
  • No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply.
  • Access your FICO® Score for free within Online Banking or your Mobile Banking app

See additional details for BankAmericard® credit card

Apply Now

on Bank of America's secure site

Bank of America® Travel Rewards credit card - 25,000 Bonus Points Offer

 

Rated 5/5 stars by our editorial team

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Your Rating:

4.6/5.0 from 15 Offer Ratings
Over the Past 60 Days!

(15) Over the Past 60 Days!
  • Rewards Rate

    Earn 1.5 points per $1 spent on all purchases

  • Intro Purchase APR

    0% Introductory APR on purchases for 12 billing cycles

  • Regular APR

    16.99% - 24.99% Variable APR on purchases and balance transfers


  • Typical Credit Needed

    500

    600

    700

    750

    850

  • Annual Fee

    $0

  • Card Brand

    Visa®

Highlights

  • Click "APPLY NOW" to apply online or call 800-821-8749
  • Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire
  • NEW OFFER: 25,000 online bonus points if you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases
  • Use your card to book your trip how and where you want – you’re not limited to specific websites with blackout dates or restrictions
  • Redeem points for a statement credit to pay for flights, hotels, vacation packages, cruises, rental cars, or baggage fees
  • Comes with chip technology for enhanced security and protection at chip-enabled terminals
  • 0% Introductory APR for 12 billing cycles for purchases, then 16.99% - 24.99% Variable APR
  • Get an additional 10% customer points bonus on every purchase when you have an active Bank of America® checking or savings account
  • If you’re a Preferred Rewards client, you can increase that bonus to 25% - 75%
Apply Now

on Capital One's secure site

Capital One® VentureOne® Rewards Credit Card

 

Rated 5/5 stars by our editorial team

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Your Rating:

4.6/5.0 from 13 Offer Ratings
Over the Past 60 Days!

(13) Over the Past 60 Days!
  • Rewards Rate

    1.25 Miles per dollar on every purchase, every day

  • Intro Purchase APR

    0% intro on purchases for 12 months

  • Regular Purchase APR

    13.74% - 23.74% (Variable)


  • Typical Credit Needed

    500

    600

    700

    750

    850

  • Annual Fee

    $0

  • Card Brand

    Visa®

Highlights

  • Click "APPLY NOW" to apply online
  • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within 3 months from account opening, equal to $200 in travel
  • Earn 1.25X miles on every purchase, every day and pay no annual fee. Plus earn 10X miles on thousands of hotels; learn more at hotels.com/venture
  • Fly any airline, stay at any hotel, anytime
  • Enjoy a low intro APR on purchases for 12 months; 13.74%-23.74% variable APR after that
  • Travel when you want with no blackout dates
  • No foreign transaction fees
  • Miles won't expire for the life of the account and there's no limit to how many you can earn

Citi® Double Cash Card – 18 month BT offer

 

Rated 5/5 stars by our editorial team

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Your Rating:

4.4/5.0 from 27 Offer Ratings
Over the Past 60 Days!

(27) Over the Past 60 Days!
  • Rewards Rate

    Earn 2% cash back on purchases: 1% when you buy plus 1% as you pay

  • Intro Balance Transfer APR

    0% for 18 months on Balance Transfers*

  • Regular Purchase APR

    15.49% - 25.49%* (Variable)


  • Typical Credit Needed

    500

    600

    700

    750

    850

  • Annual Fee

    $0

  • Card Brand

    Mastercard®

Highlights

  • Earn 2% cash back on purchases: 1% when you buy plus 1% as you pay
  • Balance Transfers do not earn cash back
  • 0% Intro APR on Balance Transfers for 18 months. After that, the variable APR will be 15.49% - 25.49% based on your creditworthiness*
  • Click 'Apply Now' to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases
  • No categories to track, no caps on cash back, no annual fee*
Apply Now

on Discover's secure site

Rates & Fees

Discover it® Miles

 

Rated 4.5/5 stars by our editorial team

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Your Rating:

4.0/5.0 from 3 Offer Ratings
Over the Past 60 Days!

(3) Over the Past 60 Days!
  • Bonus Miles

    We'll match all the Miles you've earned at the end of your first year.*

  • Rewards Rate

    1.5 Miles per $1 Spent*

  • Redeeming is Easy

    Redeem your Miles as a statement credit towards travel purchases*


Highlights

  • INTRO OFFER: Discover will match ALL the Miles you've earned at the end of your first year, automatically. For example, if you earn 30,000 Miles, you get 60,000 Miles. That's $600 towards travel! 
  • Earn unlimited 1.5x Miles for every dollar spent on all purchases all with no annual fee. 
  • No Blackout Dates - fly any airline, stay at any hotel. 
  • Redeem your Miles as a statement credit towards travel purchases. 
  • Freeze your account in seconds with an on/off switch either on the mobile app or website to prevent new purchases, cash advances, and balance transfers. 
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more. 
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up. 
  • No Annual Fee.
  • See Rates & Fees

See additional details for Discover it® Miles

Apply Now

on Chase's secure site

Chase Freedom Unlimited®

 

Rated 4/5 stars by our editorial team

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Your Rating:

3.8/5.0 from 17 Offer Ratings

(17)
  • Rewards Rate

    Unlimited 1.5% cash back on every purchase - it's automatic!

  • Sign-up Bonus

    Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening.

  • Cash Back Details

    No minimum to redeem for cash back


  • Typical Credit Needed

    500

    600

    700

    750

    850

  • Annual Fee

    $0

  • Card Brand

    Visa®

Highlights

  • Click "APPLY NOW" to apply online
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.99-25.74%. Balance transfer fee is 3% of the amount transferred, $5 minimum
  • Unlimited 1.5% cash back on every purchase - it's automatic
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open
  • Free credit score, updated weekly with Credit Journey℠
  • No annual fee

See additional details for Chase Freedom Unlimited®

Apply Now

on Discover's secure site

Rates & Fees

Discover it® Balance Transfer

 

Rated 4.5/5 stars by our editorial team

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Your Rating:

3.8/5.0 from 4 Offer Ratings
Over the Past 60 Days!

(4) Over the Past 60 Days!
  • Intro Balance Transfer APR

    0% for 18 Months*

  • Rewards Rate

    Earn 5% cash back at different places each quarter up to the quarterly maximum, when you activate*

  • Ongoing APR

    13.99% - 24.99% Variable*


Highlights

  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Redeem cash back any amount, any time. Rewards never expire.
  • 100% U.S. based customer service.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • No annual fee.
  • See Rates & Fees

See additional details for Discover it® Balance Transfer

Apply Now

on Discover's secure site

Rates & Fees

Discover it® Cash Back

 

Rated 4.5/5 stars by our editorial team

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Your Rating:

3.9/5.0 from 8 Offer Ratings
Over the Past 60 Days!

(8) Over the Past 60 Days!
  • Cashback Match™

    Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically*

  • EARN

    Earn 5% cash back at different places each quarter up to the quarterly maximum, when you activate*

  • Redeem

    Any amount, any time. Cash back rewards never expire*


Highlights

  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate.
  • Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Redeem cash back any amount, any time. Rewards never expire.
  • Use your rewards at Amazon.com checkout.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • No annual fee.
  • See Rates & Fees

See additional details for Discover it® Cash Back

Apply Now

on Wells Fargo's secure site

Wells Fargo Cash Wise Visa® Card – $200 Cash Rewards Bonus

 

Rated 4/5 stars by our editorial team

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Your Rating:

4.0/5.0 from 3 Offer Ratings
Over the Past 60 Days!

(3) Over the Past 60 Days!
  • Rewards Rate

    Unlimited 1.5% Cash Back*

  • Sign Up Bonus

    Earn $200 cash rewards bonus*

  • Mobile Wallet Rate

    Enjoy 1.8% cash rewards with Apple Pay® or Android Pay™, during the first 12 months*


  • Typical Credit Needed

    500

    600

    700

    750

    850

  • Annual Fee

    $0

  • Card Brand

    Visa®

Highlights

  • Click "APPLY NOW" to apply online
  • Earn a $200 cash rewards bonus after spending $1,000 in the first 3 months
  • Earn unlimited 1.5% cash rewards on purchases
  • Enjoy 1.8% cash rewards on qualified mobile wallet purchases, like Apple Pay® or Google Pay™, during the first 12 months from account opening
  • No category restrictions or sign ups and cash rewards don’t expire as long as your account remains open
  • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Cash Wise Visa® Card
  • 0% Intro APR for 12 months on purchases and balance transfers (fees apply), then a 15.99%-26.99% variable APR; balance transfers made within 120 days qualify for the intro rate and fee
  • $0 Annual Fee
  • Select “Apply Now” to learn more about the product features, terms, and conditions
Apply Now

on Capital One's secure site

Capital One® Quicksilver® Cash Rewards Credit Card

 

Rated 4.5/5 stars by our editorial team

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Your Rating:

3.7/5.0 from 72 Offer Ratings
Over the Past 60 Days!

(72) Over the Past 60 Days!
  • Rewards Rate

    Unlimited 1.5% Cash Back on every purchase, every day

  • Intro APR

    0% for 15 Months on Purchases and Balance Transfers

  • Cash Back Details

    No minimums for redeeming and cash back won't expire for the life of the account


  • Typical Credit Needed

    500

    600

    700

    750

    850

  • Annual Fee

    $0

  • Card Brand

    Visa®

Highlights

  • Click "APPLY NOW" to apply online
  • One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 15 months; 14.74%-24.74% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 14.74%-24.74% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • Pay no annual fee or foreign transaction fees
Apply Now

on American Express's secure site

Rates & Fees

Terms Apply

Blue Cash Preferred® Card from American Express

 

Rated 3.8/5 stars by our editorial team

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Your Rating:

3.0/5.0 from 6 Offer Ratings
Over the Past 60 Days!

(6) Over the Past 60 Days!
  • Welcome Offer

    $200 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.*

  • Bonus Rewards

    6% at U.S. supermarkets on up to $6,000 per year in purchases*

  • Rewards Rates

    3% cash back at U.S. gas stations, 1% back on other purchases*


  • Typical Credit Needed

    500

    600

    700

    750

    850

  • Annual Fee

    $95

  • Card Brand

    American Express

Highlights

  • Click "APPLY NOW" to apply online
  • $200 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • 6% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%) - that means spending $60 a week at U.S. supermarkets could earn over $180 back per year.
  • 3% cash back at U.S. gas stations. 1% cash back on other purchases.
  • Over 1.5 million more places in the U.S. started accepting American Express® Cards in 2017.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • $95 annual fee.
  • Terms Apply.
  • See Rates & Fees
Apply Now

on Capital One's secure site

Capital One® Spark® Cash for Business

 

Rated 4/5 stars by our editorial team

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Your Rating:

3.9/5.0 from 11 Offer Ratings
Over the Past 60 Days!

(11) Over the Past 60 Days!
  • Rewards Rate

    2% Cash Back on every purchase, every day

  • Sign-up Bonus

    Earn up to $2,000. Earn a $500 cash bonus when you spend $5,000 in the first 3 months of opening your account. Plus, earn $1,500 when you spend $50,000 in the first 6 months. Limited Time Offer

  • Rewards Redemption

    Redeem cash back for any amount at any time


  • Typical Credit Needed

    500

    600

    700

    750

    850

  • Annual Fee

    $0 intro for first year; $95 after that

  • Card Brand

    Visa®

Highlights

  • Click "APPLY NOW" to apply online
  • Earning unlimited 2% cash back could mean thousands of dollars each year going back into your business
  • Earn up to $2,000. Earn a $500 cash bonus when you spend $5,000 in the first 3 months of opening your account
  • Plus, earn $1,500 when you spend $50,000 in the first 6 months. Limited Time Offer
  • Use Spark Cash across all your business spend, with no categories to limit your purchasing
  • $0 intro annual fee for the first year; $95 after that
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
  • Get employee cards at no additional cost, and earn rewards from their business spend
Apply Now

on Capital One's secure site

Capital One® Spark® Cash Select for Business

 

Rated 4/5 stars by our editorial team

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Your Rating:

4.0/5.0 from 2 Offer Ratings
Over the Past 60 Days!

(2) Over the Past 60 Days!
  • Rewards Rate

    Unlimited 1.5% cash back

  • Sign-up Bonus

    One-time $200 cash bonus once you spend $3,000 on purchases within 3 months from account opening

  • Rewards Redemption

    Redeem cash back for any amount at any time


  • Typical Credit Needed

    500

    600

    700

    750

    850

  • Annual Fee

    $0

  • Card Brand

    Visa®

Highlights

  • Click "APPLY NOW" to apply online
  • Earning unlimited 1.5% cash back could mean thousands of dollars each year going back into your business
  • Plus, a one-time $200 cash bonus once you spend $3,000 on purchases within 3 months from account opening
  • Save on interest with 0% intro APR on purchases for 9 months; 14.74% - 22.74% variable APR after that
  • No annual fee
  • Use Spark Cash Select across all your business spend, with no categories to limit your purchasing
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
  • Get employee cards at no additional cost, and earn rewards from their business spend
Apply Now

on Discover's secure site

Rates & Fees

Discover it® chrome

 

Rated 4/5 stars by our editorial team

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Your Rating:

4.0/5.0 from 1 Offer Rating
Over the Past 60 Days!

(1) Over the Past 60 Days!
  • Intro APR

    0% for 14 Months on purchases and balance transfers*

  • Rewards Rate

    2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter. 1% unlimited cash back on all other purchases - automatically.

  • Ongoing APR

    13.99% - 24.99% Variable*


Highlights

  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. based customer service.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • No annual fee.
  • See Rates & Fees

See additional details for Discover it® chrome

Apply Now

on Capital One's secure site

Capital One® Spark® Miles for Business

 

Rated 4/5 stars by our editorial team

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Your Rating:

0.0/5.0 from 0 Offer Rating
Over the Past 60 Days!

(0) Over the Past 60 Days!
  • Rewards Rate

    Unlimited 2x miles per dollar

  • Sign-up Bonus

    Earn up to 200,000 miles: Earn a bonus of 50,000 miles when you spend $5,000 in the first 3 months and 150,000 miles when you spend $50,000 in the first 6 months of opening your account. Limited Time Offer

  • Rewards Redemption

    Redeem miles with any airline and any hotel


  • Typical Credit Needed

    500

    600

    700

    750

    850

  • Annual Fee

    $0 intro for first year; $95 after that

  • Card Brand

    Visa®

Highlights

  • Click "APPLY NOW" to apply online
  • Earn 2 miles per $1 on every purchase, every day
  • Earn up to 200,000 miles. Earn a bonus of 50,000 miles when you spend $5,000 in the first 3 months of opening your account
  • Plus, earn 150,000 miles when you spend $50,000 within the first 6 months. Limited Time Offer
  • Miles won't expire for the life of the account, and there are no categories to limit where or what you buy
  • $0 intro annual fee for the first year; $95 after that
  • There's no limit to the amount of miles you can earn
  • Redeem miles for travel, cash back, gift cards and more
  • No foreign transaction fees and fly on any airline, anytime, with no blackout dates or seat restrictions

CitiBusiness®/ AAdvantage® Platinum Select® World Mastercard®

 

Rated 4/5 stars by our editorial team

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Your Rating:

4.0/5.0 from 1 Offer Rating
Over the Past 60 Days!

(1) Over the Past 60 Days!
  • Limited Time Offer

    Earn 70,000 American Airlines AAdvantage® bonus miles after making $4,000 in purchases within the first 4 months of account opening*

  • Rewards Rate

    Earn 2 AAdvantage® miles per $1 spent on eligible American Airlines® purchases

  • Extra Perks

    No foreign transaction fees and first check bag free on domestic itineraries


  • Typical Credit Needed

    500

    600

    700

    750

    850

  • Annual Fee

    $99, waived for first 12 months*

  • Card Brand

    Mastercard®

Highlights

  • Designed for businesses 
  • For a limited time, earn 70,000 American Airlines AAdvantage® bonus miles after making $4,000 in purchases within the first 4 months of account opening* 
  • First checked bag is free on domestic American Airlines itineraries to reduce travel costs and boost your bottom line* 
  • New: 25% savings on American Airlines inflight Wi-Fi when you use your card* 
  • Enjoy preferred boarding on American Airlines flights* 
  • Earn 2 AAdvantage® miles per $1 spent on eligible American Airlines purchases* 
  • Earn 2 AAdvantage® miles per $1 spent on purchases at telecommunications merchants, cable and satellite providers, car rental merchants and at gas stations* 
  • Earn 1 AAdvantage® mile per $1 spent on other purchases* 
  • No Foreign Transaction Fees*
Apply Now

on Discover's secure site

Rates & Fees

NHL® Discover it®

 

Rated 4.5/5 stars by our editorial team

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Your Rating:

0.0/5.0 from 0 Offer Rating
Over the Past 60 Days!

(0) Over the Past 60 Days!
  • Intro APR

    0% for 14 months on purchases and balance transfers*

  • Rewards Rate

    Earn 5% cash back at different places each quarter up to the quarterly maximum, when you activate*

  • Ongoing APR

    13.99% - 24.99% Variable*


Highlights

  • Choose your favorite team & show your pride - all 31 teams available. Save 10% at Shop.NHL.com and NHL.TV™.
  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • No annual fee.
  • See Rates & Fees

See additional details for NHL® Discover it®

Apply Now

on Capital One's secure site

Capital One® Spark® Miles Select for Business

 

Rated 4.5/5 stars by our editorial team

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Your Rating:

4.0/5.0 from 1 Offer Rating
Over the Past 60 Days!

(1) Over the Past 60 Days!
  • Rewards Rate

    1.5 Miles per $1 on every purchase, every day

  • Sign-up Bonus

    One-time bonus of 20,000 miles once you spend $3,000 on purchases within 3 months from account opening

  • Rewards Redemption

    Redeem miles with any airlines and any hotel


  • Typical Credit Needed

    500

    600

    700

    750

    850

  • Annual Fee

    $0

  • Card Brand

    Visa®

Highlights

  • Click "APPLY NOW" to apply online
  • Earn 1.5 miles per $1 on every purchase, every day
  • Plus, a one-time bonus of 20,000 miles once you spend $3,000 on purchases within 3 months from account opening
  • Miles won't expire for the life of the account, and there are no categories to limit where or what you buy
  • Save on interest with 0% intro APR on purchases for 9 months; 14.74% - 22.74% variable APR after that
  • Pay no annual fee or foreign transaction fees
  • Get online Quarterly and Year-End Summaries
  • There's no limit to the amount of miles you can earn
  • Fly on any airline, anytime, with no blackout dates or seat restrictions
Apply Now

on American Express's secure site

Rates & Fees

Terms Apply

The Platinum Card® from American Express

 

Rated 4/5 stars by our editorial team

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Your Rating:

0.0/5.0 from 0 Offer Rating
Over the Past 60 Days!

(0) Over the Past 60 Days!
  • Welcome Offer

    60,000 Membership Rewards® points after you use your new Card to make $5,000 in purchases in your first 3 months.*

  • Travel Perks

    Up to $200 per calendar year in baggage fees & more at one qualifying airline*

  • Travel Perks

    No foreign transaction fees & exclusive airport lounge access*


  • Typical Credit Needed

    500

    600

    700

    750

    850

  • Annual Fee

    $550

  • Card Brand

    American Express

Highlights

  • Click "APPLY NOW" to apply online
  • Earn 60,000 Membership Rewards® points after you use your new Card to make $5,000 in purchases in your first 3 months.
  • Enjoy Uber VIP status and free rides in the U.S. up to $15 each month, plus a bonus $20 in December. That can be up to $200 in annual Uber savings.
  • 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel.
  • 5X Membership Rewards points on prepaid hotels booked on amextravel.com.
  • Enjoy access to the Global Lounge Collection, the only credit card airport lounge access program that includes proprietary lounge locations around the world.
  • Receive complimentary benefits with an average total value of $550 with Fine Hotels & Resorts. Learn More.
  • $200 Airline Fee Credit, up to $200 per calendar year in baggage fees and more at one qualifying airline.
  • Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue on your Platinum Card®. Enrollment required.
  • $550 annual fee.
  • Terms Apply.
  • See Rates & Fees

Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard®

 

Rated 4/5 stars by our editorial team

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Your Rating:

3.8/5.0 from 4 Offer Ratings
Over the Past 60 Days!

(4) Over the Past 60 Days!
  • Sign Up Bonus

    Earn up to 50,000 American Airlines AAdvantage® bonus miles: 40,000 AAdvantage® miles after making $2,000 in purchases in first 3 months and 10,000 after making a total of $6,000 in purchases in first 12 months of account opening*

  • Bonus Rewards

    First checked bag free on domestic itineraries & preferred boarding

  • Rewards Rate

    Earn 2 AAdvantage® miles for every $1 spent at gas stations, restaurants, and on eligible American Airlines purchases*


  • Typical Credit Needed

    500

    600

    700

    750

    850

  • Annual Fee

    $99, waived for first 12 months*

  • Card Brand

    Mastercard®

Highlights

  • Earn up to 50,000 American Airlines AAdvantage® bonus miles: 40,000 AAdvantage® miles after making $2,000 in purchases in first 3 months and 10,000 after making a total of $6,000 in purchases in first 12 months of account opening*
  • Earn 2 AAdvantage® miles for every $1 spent at gas stations*
  • Earn 2 AAdvantage® miles for every $1 spent at restaurants*
  • Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases*
  • Earn a $100 American Airlines Flight Discount after you spend $20,000 or more in purchases during your cardmembership year and renew your card*
  • No Foreign Transaction Fees*
  • First checked bag is free on domestic American Airlines itineraries for you and up to four companions traveling with you on the same reservation*
  • Enjoy preferred boarding on American Airlines flights*
  • Receive 25% savings on inflight food and beverage purchases when you use your card on American Airlines flights*
Apply Now

on American Express's secure site

Rates & Fees

Terms Apply

American Express® Gold Card

 

Rated 3.5/5 stars by our editorial team

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Your Rating:

0.0/5.0 from 0 Offer Rating
Over the Past 60 Days!

(0) Over the Past 60 Days!
  • Welcome Offer

    25,000 Membership Rewards® Points after you spend $2,000 on eligible purchases with your new card within the first 3 months.*

  • Rewards Rate

    Earn 4X points at U.S. restaurants and U.S. supermarkets on up to $25,000 per year in purchases, then 1X*

  • New Airline Fee Credit

    Up to $100 per year for incidentals*


  • Typical Credit Needed

    500

    600

    700

    750

    850

  • Annual Fee

    $250

  • Card Brand

    American Express

Highlights

  • Click "APPLY NOW" to apply online
  • Get the American Express® Gold Card in Limited Edition Rose Gold, only available until 1/9/2019.
  • Receive 20% back as a statement credit at U.S. Restaurants within the first 3 months, up to $100 back. Offer available to new Card Members who apply by 1/9/2019.
  • Plus, earn 25,000 Membership Rewards® Points after you spend $2,000 on eligible purchases with your new card within the first 3 months.
  • Earn 4X Membership Rewards® points at U.S. restaurants. Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per year in purchases, then 1X).
  • Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
  • Earn up to $10 in statement credits monthly when you pay with The Gold Card at Grubhub, Seamless, The Cheesecake Factory, Shake Shack, and Ruth’s Chris Steak House. This is an annual savings of up to $120. Enrollment required.
  • $100 Airline Fee Credit: up to $100 in statement credits per calendar year for incidental fees at one selected qualifying airline.
  • No Foreign Transaction Fees.
  • Annual Fee is $250.
  • Terms Apply.
  • See Rates & Fees

See additional details for American Express® Gold Card

Apply Now

on American Express's secure site

Rates & Fees

Terms Apply

American Express® Business Gold Card

 

Rated 3/5 stars by our editorial team

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Your Rating:

3.0/5.0 from 1 Offer Rating
Over the Past 60 Days!

(1) Over the Past 60 Days!
  • Bonus Rewards

    †4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year.*

  • Rewards Rate

    4X Membership Rewards® points on the 2 select categories where your business spent the most each month. 4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year.*

  • Extra Perks

    No foreign transaction fees & many helpful business tools*


  • Typical Credit Needed

    500

    600

    700

    750

    850

  • Annual Fee

    $295

  • Card Brand

    American Express

Highlights

  • Click "APPLY NOW" to apply online
  • MORE REWARDS: Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month †
  • †4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year.*
  • AIRLINE BONUS: Get 25% points back after you use points for all or part of an eligible flight booked with Amex Travel, up to 250,000 points back per calendar year.*
  • EXCLUSIVE OFFERS: Get up to 1 year free on subscriptions to both G Suite Basic for up to 3 users and ZipRecruiter Standard, a combined value up to $3,188.*
  • PAY OVER TIME OPTION: A flexible payment option to help manage cash flow on purchases of $100 or more.*
  • EXPENSE MANAGEMENT TOOLS: Connect to Quickbooks, access SpendManager?, receive a Year-End Summary, and more.*
  • Add EMPLOYEE CARDS with a no annual fee option. Earn rewards on employee purchases and track employee expenses with spending limits, alerts, and summary reports.*
  • *Terms Apply
  • See Rates & Fees
Apply Now

on Wells Fargo's secure site

Wells Fargo Platinum Visa® Card

 

Rated 4/5 stars by our editorial team

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Your Rating:

4.0/5.0 from 7 Offer Ratings
Over the Past 60 Days!

(7) Over the Past 60 Days!
  • Introductory APR

    0% for 18 months on purchases and balance transfers*

  • Low Fees

    Enjoy $0 Annual Fee

  • Ongoing APR

    13.49%-26.99% (Variable)*


  • Typical Credit Needed

    500

    600

    700

    750

    850

  • Annual Fee

    $0

  • Card Brand

    Visa®

Highlights

  • Click "APPLY NOW" to apply online
  • 0% Intro APR for 18 months on purchases and balance transfers (fees apply), then a 13.49%-26.99% variable APR; balance transfers made within 120 days qualify for the intro rate and fee
  • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Platinum Visa® Credit Card
  • Easy access to your FICO® Credit Score with Wells Fargo Online®
  • Zero Liability protection for promptly reported unauthorized transactions
  • Convenient tools to help create a budget and manage your spending with My Money Map
  • $0 Annual Fee
  • Select “Apply Now” to learn more about the product features, terms, and conditions

See additional details for Wells Fargo Platinum Visa® Card

Apply Now

on American Express's secure site

Rates & Fees

Terms Apply

Gold Delta SkyMiles® Credit Card from American Express

 

Rated 4/5 stars by our editorial team

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Your Rating:

0.0/5.0 from 0 Offer Rating
Over the Past 60 Days!

(0) Over the Past 60 Days!
  • Limited Time Offer

    Earn 30,000 Bonus Miles after spending $1,000 in purchases on your new Card in your first 3 months and a $50 statement credit after you make a Delta purchase with your new Card within your first 3 months.

  • Bonus Miles

    2X Miles on Delta Purchases*

  • Additional Perks

    Check your 1st bag free on every Delta flight*


  • Typical Credit Needed

    500

    600

    700

    750

    850

  • Annual Fee

    $0 introductory annual fee for the first year, then $95.

  • Card Brand

    American Express

Highlights

  • Click "APPLY NOW" to apply online
  • Earn 30,000 Bonus Miles after spending $1,000 in purchases on your new Card in your first 3 months and a $50 statement credit after you make a Delta purchase with your new Card within your first 3 months.
  • Earn 2 miles on every dollar spent on purchases made directly with Delta. Earn 1 mile for every eligible dollar spent on purchases.
  • Check your first bag free on Delta flights - that's a savings of up to $200 per round trip for a family of four.
  • Want even more flexibility? Pay with Miles is a Card Member feature that gives you the option to redeem miles for all or part of the price of your tickets on Delta.com.
  • Settle into your seat sooner with Priority Boarding.
  • Enjoy a $0 introductory annual fee for the first year, then $95.
  • Terms Apply.
  • See Rates & Fees
Apply Now

on American Express's secure site

Rates & Fees

Terms Apply

The Plum Card® from American Express

 

Rated 4/5 stars by our editorial team

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Your Rating:

0.0/5.0 from 0 Offer Rating
Over the Past 60 Days!

(0) Over the Past 60 Days!
  • Early Pay Discount

    Receive 1.5% discount for paying early*

  • Pay Later

    Take up to 60 days to pay with no interest*

  • Extra Perks

    No foreign transaction fees & no fee for extra employee cards*


  • Typical Credit Needed

    500

    600

    700

    750

    850

  • Annual Fee

    $0 introductory annual fee your first year, then $250.

  • Card Brand

    American Express

Highlights

  • Click "APPLY NOW" to apply online
  • Paying early pays off: Get a 1.5% discount when you pay early, with no cap on what you can earn back.
  • Take up to 60 days to pay with no interest, if you pay your minimum due.
  • Use the power of the Plum Card to buy big for your business.
  • Unlock new opportunities with a spending limit that can grow with your business.
  • Additional Employee Cards at no annual fee - and an early pay discount on employee spending.
  • No Foreign Transaction Fees.
  • Introductory annual fee of $0 for the first year, then $250
  • Terms & Restrictions Apply.
  • See Rates & Fees
Apply Now

on American Express's secure site

Rates & Fees

Terms Apply

The Business Platinum® Card from American Express

 

Rated 4/5 stars by our editorial team

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Your Rating:

0.0/5.0 from 0 Offer Rating
Over the Past 60 Days!

(0) Over the Past 60 Days!
  • Welcome Offer

    Earn up to 75,000 Membership Rewards® points*

  • Travel Benefits

    Complimentary access to over 1000+ airport lounges*

  • Extra Perks

    Get 50% more Membership Rewards® points. That's 1.5 points per dollar, on each eligible purchase of $5,000 or more*


  • Typical Credit Needed

    500

    600

    700

    750

    850

  • Annual Fee

    $450

  • Card Brand

    American Express

Highlights

  • Click "APPLY NOW" to apply online
  • Welcome Offer: Earn up to 75,000 Membership Rewards® points.
  • Earn 50,000 Membership Rewards® points after you spend $10,000 and an extra 25,000 points after you spend an additional $10,000 all on qualifying purchases within your first 3 months of Card Membership.†
  • Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com.
  • Get 50% more Membership Rewards® points. That's 1.5 points per dollar, on each eligible purchase of $5,000 or more. You can get up to 1 million additional points per year.
  • 35% Airline Bonus: Use Membership Rewards® Pay with Points for all or part of a flight with your selected qualifying airline, and you can get 35% of the points back, up to 500,000 bonus points per calendar year.
  • You can also receive 35% points back on all First and Business class flights, with all airlines available through American Express Travel.
  • You can enjoy access to The American Express Global Lounge CollectionSM offering access to the most lounges across the globe, when compared with other U.S. credit card offerings. As of 11/2017
  • Terms Apply
  • See Rates & Fees
Apply Now

on American Express's secure site

Rates & Fees

Terms Apply

SimplyCash® Plus Business Credit Card from American Express

 

Rated 3.7/5 stars by our editorial team

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Your Rating:

0.0/5.0 from 0 Offer Rating
Over the Past 60 Days!

(0) Over the Past 60 Days!
  • Intro and Regular APR

    0% on Purchases for 15 months, then 14.24% - 21.24% Variable*

  • Bonus Rewards

    5% and 3% bonus cash back categories of spending*

  • Flexible Spending

    With Expanded Buying Power you can spend beyond your credit limit*


  • Typical Credit Needed

    500

    600

    700

    750

    850

  • Annual Fee

    No annual fee

  • Card Brand

    American Express

Highlights

  • Click "APPLY NOW" to apply online
  • Special offer: save on interest with a 0% intro APR on purchases for 15 months; after that your APR will be a variable rate, currently 14.24% - 21.24%
  • No annual fee
  • Reinvest in your business with automatic cash back in the form of a monthly statement credit. Plus take control by choosing the 3% category that best fits your business
  • Earn 5% cash back on the first $50,000 spent at wireless telephone services purchased directly from U.S. service providers and U.S. office supply stores.
  • Earn 3% cash back on the first $50,000 spent in the category of your choice from a list of eight and 1% cash back on other purchases
  • With Expanded Buying Power you can spend beyond your credit limit* to make bigger purchases for your business plus earn cash back on those purchases too
  • *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors
  • Terms apply
  • See Rates & Fees

*General Disclaimer: See the online credit card application for details about terms and conditions. We make every effort to maintain accurate information. However, all credit card information is presented without warranty. To confirm terms and conditions, click the "Apply Now" button and review info on the secure credit card terms page.

Best Credit Card for Excellent Credit Holders

Those who have exceptionally good credit may want to apply for the best credit cards that especially cater to people with above average credit scores and stellar credit histories. Credit card companies will usually offer special perks, features, interest rates, and other preferential service to those who qualify for top credit cards.

By federal law you are allowed to access your credit reporting files free of charge once a year. For a small fee you can see them more than once per year and can also gain access to your FICO score – which is commonly referred to as your credit score. Credit scores for excellent credit range from 700 to 850 and are determined by using a proprietary algorithm which factors in several components of credit worthiness. If your score is above 700 that’s quite good and for most issuers is considered excellent.

To maintain your high rating follow the tips on how to preserve your credit. If you need help to improve your credit score to qualify for an excellent credit credit card, then take advantage of the many free, user-friendly financial management resources, articles, and tools that we offer. Once you have earned excellent credit you have a wide range of reward card options as well as promotional 0 percent introductory APRs which come with very attractive ongoing interest rates – typically around 12%.

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