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Best Credit Cards for Excellent Credit

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by Elizabeth Smith | Updated Apr. 19, 2017
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Overview

Individuals with Excellent credit are fortunate enough to qualify for some truly incredible credit card offers. Often including people with FICO scores of over 720, Excellent credit often leads to lower annual percentage rates (APRs), higher credit lines, and unique perks. Some of the best credit cards offered to those with Excellent credit often feature high rewards earning rates and introductory bonuses, primary car rental insurance, airport lounge access, trip delay/cancellation protection, and more! Read on to see some of our top picks for credit cards available for those with Excellent credit. See More

Best Travel Credit Card for Excellent Credit

More Details

  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
  • Named Best Credit Card for Flexible Travel Redemption - Kiplinger's Personal Finance, July 2016
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards

Annual Fee

Introductory Annual Fee of $0 the first year, then $95

Purchase Intro APR

N/A

Balance Transfer Intro APR

N/A

Regular APR

16.74%-23.74% Variable

Best Balance Transfer Card for Excellent Credit

More Details

  • $0 Introductory balance transfer fee for transfers made during the first 60 days of account opening
  • 0% Introductory APR for 15 months on purchases and balance transfers
  • Monthly FICO® Score and Credit Dashboard for free
  • No Penalty APR – Paying late won't raise your interest rate (APR). All other account pricing and terms apply
  • $0 Annual Fee

Annual Fee

$0

Purchase Intro APR

0% Intro APR on Purchases for 15 months

Balance Transfer Intro APR

0% Intro APR on Balance Transfers for 15 months

Regular APR

15.74% - 24.49% Variable

Best Cash Back Credit Card for Excellent Credit

More Details

  • Exclusively for Costco Members: Go Big with Cash Back Rewards
  • 4% cash back on eligible gas for the first $7,000 per year and then 1% thereafter
  • 3% cash back on restaurants and eligible travel purchases
  • 2% cash back on all other purchases from Costco and Costco.com
  • 1% cash back on all other purchases

Annual Fee

$0

Purchase Intro APR

0% APR for 7 Months

Balance Transfer Intro APR

N/A

Regular APR

15.74% variable

Our Methodology

SmartAsset has developed a quantitative and independent system for evaluating the relative value of a credit card offer versus other offers in the marketplace. Our system evaluates cards based exclusively on their features, such as their rewards earning rate (if applicable), fees, perks, and rewards program redemption options. The annual rewards values on this page are calculated using annual spending assumptions in various categories such as, but not limited to, gas, restaurants, airfare, and US supermarkets. These spending assumptions are built on research that SmartAsset has conducted on existing 0% APR credit cardholders. Our promise with our credit card recommendations is that we will always strive to have the most comprehensive, accurate, and objective method of evaluating credit card offers. Any recommendations are solely determined by the result of this research and model, and is never influenced by any fees, commissions, or other forms of compensation that SmartAsset may receive from credit card issuers for leads generated on our website.

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Get Your $200 Credit
Get a travel credit card with massive rewards + $200 Statement Credit
Get Your $200 Credit
Get a travel credit card with massive rewards + $200 Statement Credit
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Data provided by Informa Research Services and CJ Affiliate.
Advertiser Disclosure: The card offers that appear on this site are from companies from which SmartAsset receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). SmartAsset does not include all card companies or all card offers available in the marketplace.
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