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3.8/5.0 from 30 Offer Ratings
Over the Past 60 Days!
Rewards Rate
Unlimited 1.5% Cash Back on every purchase, every day; 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply)
Intro APR
0% intro on purchases for 15 months, then 19.24% - 29.24% (Variable). 0% intro on balance transfers for 15 months, then 19.24% - 29.24% (Variable)
Cash Back Details
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
Typical Credit Needed
Annual Fee
$0
Card Brand
Mastercard®
See additional details for Capital One Quicksilver Cash Rewards Credit Card
Welcome Offer
Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months
Rewards Rate
Earn unlimited 2% cash rewards on purchases
Extra Perks
No categories to track or remember and cash rewards don't expire as long as your account remains open
Typical Credit Needed
Annual Fee
$0
Card Brand
Visa®
See additional details for Wells Fargo Active Cash® Card
Sign-Up Bonus
Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
Rewards Rate
Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
Intro APR
0% intro APR for 15 months on purchases and balance transfers, then 18.24% - 28.24% (Variable)
Typical Credit Needed
Annual Fee
$0
Card Brand
Mastercard®
See additional details for Citi Custom Cash℠ Card
Rewards Rate
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
Intro Balance Transfer APR
0% for 18 months on Balance Transfers
Regular Purchase & BT APR
18.24% - 28.24% (Variable)
Typical Credit Needed
Annual Fee
$0
Card Brand
Mastercard®
See additional details for Citi® Double Cash Card – 18 month BT offer
Rewards Rate
3% Cash Back on dining and entertainment; 3% Cash Back on popular streaming services; 3% Cash Back at grocery stores; 1% Cash Back on all other purchases. Earn 8% cash back on Capital One Entertainment purchases
Sign-Up Bonus
Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
Cash Back Details
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
Typical Credit Needed
Annual Fee
$0
Card Brand
Mastercard®
See additional details for Capital One SavorOne Cash Rewards Credit Card
Intro APR
0% Intro APR for 21 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 16.24% - 26.24% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers.
No Penalty APR
Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply.
Build Credit
Access your FICO® Score for free within Online Banking or your Mobile Banking app
Typical Credit Needed
Annual Fee
$0
Card Brand
Mastercard®
See additional details for BankAmericard® credit card
0% Intro APR
0% Intro APR for 15 months on purchases and Balance Transfers, then 16.24% - 27.24% Variable APR.
Rewards Rate
5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically
Sign-Up Bonus
Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
Typical Credit Needed
Annual Fee
$0
Card Brand
Discover
See additional details for Discover it® Cash Back
Intro APR
0% Intro APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 18.24% - 28.24% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers.
Sign-Up Bonus
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
Rewards Rate
3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases
Typical Credit Needed
Annual Fee
$0
Card Brand
Visa®
See additional details for Bank of America® Customized Cash Rewards credit card
Rewards Rate
1.25 Miles per dollar on every purchase, every day; 5 Miles on hotels and rental cars booked through Capital One Travel
Intro Purchase APR
0% intro on purchases for 15 months, then 19.24% - 29.24% (Variable)
Intro BT APR
0% intro on balance transfers for 15 months, then 19.24% - 29.24% (Variable)
Typical Credit Needed
Annual Fee
$0
Card Brand
Mastercard®
See additional details for Capital One VentureOne Rewards Credit Card
Intro Purchase APR
0% for 12 months on Purchases
Intro Balance Transfer APR
0% for 21 months on Balance Transfers
Regular Purchase & BT APR
17.24% - 27.99% (Variable)
Typical Credit Needed
Annual Fee
$0
Card Brand
Mastercard®
See additional details for Citi® Diamond Preferred® Card
Intro Purchase APR
0% for 12 months on Purchases
Intro BT APR
0% for 21 months on Balance Transfers
Regular Purchase & BT APR
18.24% - 28.99% (Variable)
Typical Credit Needed
Annual Fee
$0
Card Brand
Mastercard®
See additional details for Citi Simplicity® Card
Balance Transfer Intro APR
0% Intro APR for 18 months on balance transfers, then 16.24% - 27.24% Variable APR
Rewards Rate
Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically
Sign-Up Bonus
Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
Typical Credit Needed
Annual Fee
$0
Card Brand
Discover
See additional details for Discover it® Balance Transfer
Welcome Offer
Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value
Rewards Rate
Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans. Plus earn 1X points on other purchases
Intro Purchase APR
0% intro APR for 12 months from account opening on purchases, then 19.24%, 24.24%, or 29.24% variable APR
Typical Credit Needed
Annual Fee
$0
Card Brand
Visa®
See additional details for Wells Fargo Autograph℠ Card
Rewards Rate
Earn 3X points per $1 spent at restaurants, supermarkets, gas stations, air travel and hotels and 1X per $1 spent on all other purchases
Sign-Up Bonus
Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
Extra Perks
No Foreign Transaction Fees
Typical Credit Needed
Annual Fee
$95
Card Brand
Mastercard®
See additional details for Citi Premier® Card
Intro Purchase APR
0% for 15 months
Sign-Up Bonus
Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com
Regular Purchase APR
17.74% - 27.74% (Variable)
Typical Credit Needed
Annual Fee
$0
Card Brand
Mastercard®
See additional details for Citi Rewards+® Card
Sign-Up Bonus
Earn 20,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening.
Rewards Rate
Earn 4X points on dining, takeout, and restaurant delivery, 2X points at grocery stores, grocery delivery, gas stations, EV charging stations and on streaming services. Plus, a $15 credit for annual streaming purchases like Netflix, Hulu, Spotify®, Apple Music, Disney+, HBO Max and more! And earn 1X points on all other eligible purchases.
Intro APR
0% for 12 billing cycles on purchases, then 19.49% - 28.49% (Variable) and 0% for 12 billing cycles on balance transfers, then 19.49% - 28.49% (Variable)
Typical Credit Needed
Annual Fee
$0
Card Brand
Visa®
See additional details for U.S. Bank Altitude® Go Visa Signature® Card
Sign-Up Bonus
50,000 online bonus points - a $500 value - after you make at least $3,000 in purchases in the first 90 days of account opening.
Rewards Rate
2 points for every $1 spent on travel and dining purchases and unlimited 1.5 points per $1 spent on all other purchases.
Extra Perks
Get up to $100 in Airline Incidental Statement Credits annually and TSA PreCheck®/Global Entry Statement Credits of up to $100, every four years
Typical Credit Needed
Annual Fee
$95
Card Brand
Visa®
See additional details for Bank of America® Premium Rewards® credit card
Intro APR
0% Intro APR for 15 months on purchases and balance transfers, then 16.24% - 27.24% Variable APR
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
16.24% - 27.24% Variable APR*
Typical Credit Needed
Annual Fee
$0
Card Brand
Discover
See additional details for Discover it® chrome
Sign-Up Bonus
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
Intro APRs
0% Intro APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 18.24% - 28.24% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers.
Rewards Rate
1.5% cash back on all purchases
Typical Credit Needed
Annual Fee
$0
Card Brand
Visa®
See additional details for Bank of America® Unlimited Cash Rewards credit card
Sign-Up Bonus
N/A
Intro Purchase APR
0% Intro APR on Purchases for 18 months. Then, a 19.24% - 27.99% Variable APR applies.
Intro Balance Transfer APR
0% Intro APR on Balance Transfers for 18 months. Then, a 19.24% - 27.99% Variable APR applies.
Typical Credit Needed
Annual Fee
$0
Card Brand
Visa®
See additional details for Chase Slate Edge℠
Sign-Up Bonus
Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
Rewards Rate
2 Miles per dollar on every purchase, every day; 10 Miles on hotels and rental cars booked through Capital One Travel; 10 Miles per dollar when you book on Turo, the world’s largest car sharing marketplace, through May 16, 2023; 5 Miles on flights booked through Capital One Travel
Extra Perks
Receive up to $300 back annually as statement credits for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of options
Typical Credit Needed
Annual Fee
$395
Card Brand
Visa®
See additional details for Capital One Venture X Rewards Credit Card
Regular APR
17.24% - 29.24% variable APR
Intro Purchase APR
0% intro APR up to 21 months from account opening
Intro BT APR
0% intro APR up to 21 months from account opening on qualifying balance transfers
Typical Credit Needed
Annual Fee
$0
Card Brand
Visa®
See additional details for Wells Fargo Reflect® Card
*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.
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%.