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Best Credit Cards for Excellent Credit

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by Elizabeth Smith | Updated Jun. 13, 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

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  • 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

$0 intro annual fee for the first year, then $95

Purchase Intro APR

N/A

Balance Transfer Intro APR

N/A

Regular APR

16.74% - 23.74% Variable

Benefits

Chase Sapphire Preferred® Card comes with great rewards rates and awesome perks. Plus, you’ll earn an impressive 50,000 bonus points after spending $4,000 on purchases in the first 3 months. That's $625 toward travel if you redeem in the Chase Ultimate Rewards® platform. When it comes to everyday spending, you earn 2 points for every dollar spent on travel, from flights to taxis, and 2 points for every dollar spent on dining at restaurants. You’ll also bank 1 point for every dollar spent on anything else. You can even move your points to partner airline and hotel loyalty programs at a 1:1 rate.

Chase Sapphire Preferred® Card also comes with luxury travel perks. It provides special car rental privileges, special hotel benefits and 24/7 access to customer service specialists. Miss your flight due to inclement weather? A crazy airline system malfunction delayed your trip by hours? The Chase Sapphire Preferred® Card has you covered with best-in-class trip interruption and cancellation protection. And you’ll never pay foreign transaction fees.

Things to consider

After the $0 introductory rate for the first year, the Chase Sapphire Preferred® Card comes with a $95 annual fee. The card's sign-up bonus certainly helps make up for the annual fee. If you spend at least $400 a month on dining and travel, you’ll easily break even on the annual fee.

Our verdict

Chase Sapphire Preferred® Card is a hybrid between a rewards and premium perk credit card. We think any frequent traveler will agree that it’s the one of the best premium travel cards on the market.

Best Balance Transfer Card for Excellent Credit

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  • $0 Introductory balance transfer fee for transfers made during the first 60 days of account opening
  • Chase Slate named "Best Credit Card for Balance Transfers" four years in a row by Money Magazine
  • 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

Benefits

Sign up for the Chase Slate® card and make a plan to improve your financial health. With a unique combination of features, it’s a great tool for getting out of credit card debt faster. You won’t pay any fees for balance transfers within 60 days of opening your account. This is a huge improvement from other cards, which charge between 3% and 5% of the transfer. There’s also 0% introductory APR on purchases and balance transfers for the first 15 months. In that time, you’ll be able to seriously slim down your balance. The Chase Slate® card also gives you free monthly access to your FICO® score and Credit Dashboard. This will help you monitor and better understand your credit. It can help you save hundreds in interest and balance transfer fees, giving you the boost you need to get out of debt. Best of all, there’s no annual fee. And your interest rate won’t change if you’re late on payments.

Things to consider

While the Chase Slate® intro 0% APR term is generous, some top competitors offer longer terms. And after the first 60 days, the balance transfer fee is $5 or 5% of the amount transferred, whichever is greater, so you’ll need to make transfers early.

Our verdict

Trust us: you won’t find a more cost-effective way to pay down debt. Chase Slate® is the best card on the market for refinancing. You’ll save on interest, balance transfer fees, and annual fees. It’s especially great as a companion to a Chase checking account.

Best Cash Back Credit Card for Excellent Credit

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  • 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% for 7 Months

Balance Transfer Intro APR

N/A

Regular APR

15.99% variable

Benefits

Costco Anywhere Visa® Card by Citi helps you earn money by spending money. It's like a hybrid between a store credit card and a rewards card. And the rewards come at an impressive rate: 4% cash back on eligible gas purchases up to $7,000 per year, 1% after and 3% back on restaurants and eligible travel purchases. All Costco purchases earn 2% back and everything else earns 1%. The 4% cash back on gas makes it one of the best credit cards available for gas. Costco Anywhere Visa® Card by Citi also comes with 0% intro purchase APR for 7 months. Best of all, there's no annual fee. The card also comes with purchase protection, extended warranty and Citi Price Rewind. Citi researches your purchases to ensure you pay the best price.

Things to consider

Cash back savings from the entire year is mailed every February. You can then redeem for cash or credit toward Costco merchandise. There also isn’t a big introductory bonus. Though only available to Costco members, you earn rewards on every purchase.

Our verdict

As long as you spend regularly on gas, travel and dining out, the Costco Anywhere Visa® Card by Citi can provide top-tier cash back rewards. It might even be worth applying for a Costco membership just to get the card.

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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