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4.2/5.0 from 149 Offer Ratings
Over the Past 60 Days!
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 APR
13.99% – 23.99% (Variable)
Typical Credit Needed
Annual Fee
$0
Card Brand
Mastercard®
See additional details for Citi® Double Cash Card – 18 month BT offer
Rewards Rate
Unlimited 1.5% Cash Back on every purchase, every day
Intro APR
0% intro on purchases for 15 months, then 15.49% - 25.49% (Variable)
Cash Back Details
No minimums for redeeming and cash back won't expire for the life of the account
Typical Credit Needed
Annual Fee
$0
Card Brand
Mastercard®
See additional details for Capital One Quicksilver Cash Rewards Credit Card
Intro Purchase APR
0% for 18 months on Purchases
Intro Balance Transfer APR
0% for 18 months on Balance Transfers
Regular Purchase APR
14.74% - 24.74% (Variable)
Typical Credit Needed
Annual Fee
$0
Card Brand
Mastercard®
See additional details for Citi® Diamond Preferred® Card
0% Intro APR
0% for 14 months on purchases and Balance Transfers, then 11.99% - 22.99% Variable APR.
Rewards
5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate, 1% unlimited cash back on all other purchases - automatically*
Cashback Match™
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 APRs
0% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days, then 13.99% - 23.99% Variable APR
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, 2% cash back at grocery stores and wholesale clubs (for the first $2,500 in combined choice category/grocery store/wholesale club quarterly purchases), 1% cash back on all other purchases
Typical Credit Needed
Annual Fee
$0
Card Brand
Visa®
See additional details for Bank of America® Cash Rewards credit card
Intro APRs
0% Introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days, then 12.99% - 22.99% Variable APR
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
Bonus Miles
Earn 100,000 bonus miles when you spend $20,000 on purchases in the first 12 months from account opening, or still earn 50,000 miles if you spend $3,000 on purchases in the first 3 months
Rewards Rate
2 Miles per dollar on every purchase, every day
Extra Perks
Receive up to $100 application fee credit for Global Entry or TSA Pre✓®
Typical Credit Needed
Annual Fee
$95
Card Brand
Visa®
See additional details for Capital One Venture Rewards Credit Card
Intro APR
0% for 14 Months on purchases and balance transfers, then 11.99% - 22.99% variable APR
Rewards Rate
Earn cash back on your next road trip with 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.
Ongoing APR
11.99% - 22.99% Variable*
Typical Credit Needed
Annual Fee
$0
Card Brand
Discover
See additional details for Discover it® chrome
Introductory APR
0% Intro APR for 15 months on purchases
Sign-up Bonus
Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
Regular APR
14.99% - 23.74% Variable
Typical Credit Needed
Annual Fee
$0
Card Brand
Visa®
See additional details for Chase Freedom Unlimited®
Sign-up Bonus
Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
Introductory APR
0% Intro APR on Purchases for 15 months
Regular APR
14.99% - 23.74% Variable
Typical Credit Needed
Annual Fee
$0
Card Brand
Mastercard®
See additional details for Chase Freedom Flex℠
Intro Purchase APR
0% for 15 months
Sign Up Bonus
Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com
Regular Purchase APR
13.49% - 23.49% (Variable)
Typical Credit Needed
Annual Fee
$0
Card Brand
Mastercard®
See additional details for Citi Rewards+® Card
Bonus Miles
Only Discover will automatically match all the Miles you’ve earned at the end of your first year. For example, if you earn 35,000 Miles, you get 70,000 Miles. There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.
Rewards Rate
Automatically earn unlimited 1.5x Miles on every dollar of every purchase - with no annual fee.
0% Intro APR
0% Intro APR for 14 months on purchases, then 11.99% - 22.99% Variable APR
Typical Credit Needed
Annual Fee
$0
Card Brand
Discover
See additional details for Discover it® Miles
Rewards Rate
Earn 3X points per $1 spent on 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
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
Earn 4X points on dining, takeout and food delivery, 2X points at grocery stores, grocery delivery, streaming services and gas stations, and 1X points on all other eligible purchases.
Intro APR
0% for 12 billing cycles on purchases*, then 14.99% - 23.99%* (Variable) and 0% introductory APR for the first 12 billing cycles for balances transferred within 60 days from account opening, then 14.99% - 23.99%* (Variable)
Typical Credit Needed
Annual Fee
$0*
Card Brand
Visa®
See additional details for U.S. Bank Altitude® Go Visa Signature® Card
Rewards Rate
3% Cash Back on dining; 3% Cash Back on entertainment; 2% Cash Back at grocery stores; 1% Cash Back on all other 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 minimums for redeeming and cash back won't expire for the life of the account
Typical Credit Needed
Annual Fee
$0
Card Brand
Mastercard®
See additional details for Capital One SavorOne Cash Rewards Credit 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, 1.5 points for every $1 spent on all other purchases
Extra Perks
Get up to $100 in Airline Incidental Statement Credits annually and TSA Pre✓®/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
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
15.49% - 25.49% (Variable)
Typical Credit Needed
Annual Fee
$0
Card Brand
Visa®
See additional details for Capital One VentureOne Rewards Credit 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%.