Credit Cards For People With Excellent Credit

The cards in this section require an excellent credit rating for approval. There are many benefits to maintaining an excellent credit rating. The higher your credit rating, the lower the interest rate that you may be offered. For cards with 0% introductory APR's, applicants with higher credit ratings may be offered longer introductory periods.

BankAmericard® Better Balance Rewards™ Credit Card

No annual fee
Earn $25 per quarter when you pay more than the monthly minimum and on time each month in the calendar quarter. Thats up to $100 in cash rewards per year with the card
Rewards are automatically credited to your card balance or you can choose to deposit them into your savings or checking account
Low Introductory APR offer

Purchases		Balance Transfers		Regular APR	Annual Fee
Intro APR	Intro Period	Intro APR	Intro Period	Regular APR	Annual Fee
0%*	12 billing cycles*	0%*	12 billing cycles for qualifying balance transfers*	11.99% - 21.99% Variable* on purchases & balance transfers	None*

Discover it®

The new Discover it card is out to change the way people think about credit cards. Apply online or call 1-888-312-0082
Fair...No annual fee. No overlimit fee. No foreign transaction fee & no pay-by-phone fee. No late fee on your first late payment. And we won't increase your APR for paying late.*
Generous…5% Cashback Bonus on up to $1,500 in purchases at Home Improvement Stores now through June with free and easy sign-up. And 1% cash back on all other purchases.*
Plus a Cashback Concierge^SM who guides a free, personalized online tour to help you get the most rewards for how you use your card.
Flexible…Choose your own due date and pay up to midnight ET online or by phone.
Human…talk to a real person any time with 100% U.S.-based service.
0% Intro APR* on balance transfers for 18 months. Then the variable purchase APR applies, currently 10.99% - 22.99%.
0% Intro APR* on purchases for 6 months. Then the variable purchase APR applies, currently 10.99% - 22.99%. *Click apply for Terms & Conditions.

Purchases		Balance Transfers		Regular APR	Annual Fee
Intro APR	Intro Period	Intro APR	Intro Period	Regular APR	Annual Fee
0%	6 months	0%	18 months	10.99% - 22.99% (V)*	$0

American Express® Premier Rewards Gold Card

Click "APPLY NOW" to apply online or call 866-415-6673
Earn More: earn 25K Membership Rewards® points after you spend $2K during your first three months of Card membership; earn 15K points after you spend $30,000 in one calendar year
Earn Fast: 3X points for flights booked with airlines, 2X points at US gas stations and US supermarkets, 1X points on other purchases. Terms and limitations apply.
Use points for gift cards for dining, entertainment, and to shop over 300 of some of your favorite brands
Access to Benefits: Baggage Insurance Plan* when you travel, and shop with confidence with Extended Warranty* and Return Protection.*Underwritten by Amex Assurance Company
Book two consecutive hotel nights through American Express Travel and receive $75 back at checkout. Restrictions may apply
$0 introductory annual fee for the first year, then $175
Terms and Restrictions Apply

Purchases		Balance Transfers		Regular APR	Annual Fee
Intro APR	Intro Period	Intro APR	Intro Period	Regular APR	Annual Fee
N/A	N/A	N/A	N/A	N/A	Introductory annual fee of $0 for the first year, then $175

Barclaycard Arrival World MasterCard — $89 Annual Fee Card

Earn 40,000 bonus miles if you make $1,000 or more in purchases in the first 90 days from account opening. 40,000 bonus miles equates to $400 off your next trip!
0% introductory APR on purchases for the first 12 months after account opening. After that, variable APR, currently 14.99% or 18.99%, based upon your creditworthiness.
Earn 2X miles on all purchases
No mileage caps and no foreign transaction fees
Get 10% miles back when you redeem for travel (i.e. redeem 25,000 miles for travel and get 2,500 miles back)
Use miles for a statement credit toward any airline purchase to any destination with no seat restrictions and no blackout dates
Easily redeem your miles for statement credits toward flights, cruises, car rentals, hotels and more
Complimentary subscription to TripIt Pro mobile travel organizer — a $49 annual value!

Purchases		Balance Transfers		Regular APR	Annual Fee
Intro APR	Intro Period	Intro APR	Intro Period	Regular APR	Annual Fee
0%	12 months	N/A	N/A	14.99%-18.99% (Variable)	$89, waived for 1st year

Upromise World MasterCard®

Earn $50 cash back with your first purchase
With eligible online purchases through Upromise, you can earn 5% or more cash back as well as an additional 5% when you use your Upromise World MasterCard
Earn 4% back at thousands of participating Upromise dining restaurants
Earn up to 3% cash back on eligible gas purchases at Exxon or Mobile locations
Earn 2% cash back at eligible movie theaters
Earn 1% cash back everywhere else
Earn cash back on every purchase with no caps
0% introductory APR on purchases and balance transfers for the first 12 months from account opening. After that, a variable APR, currently 12.99% or 20.99% depending on your creditworthiness.

Purchases		Balance Transfers		Regular APR	Annual Fee
Intro APR	Intro Period	Intro APR	Intro Period	Regular APR	Annual Fee
0%	12 months	0%	12 months	12.99%-20.99% (Variable)	$0

Barclaycard Arrival World MasterCard — No Annual Fee Card

Start by earning 20,000 bonus miles when you make $1,000 or more in purchases in the first 90 days from account opening. 20,000 bonus miles equates to $200 off your next trip!
0% introductory APR on purchases for the first 12 months after account opening. After that, variable APR, currently 14.99% or 18.99%, based upon your creditworthiness.
Earn 2X miles on travel and dining purchases and 1X miles on all other purchases
No mileage caps and no foreign transaction fees
Get 10% miles back when you redeem for travel (e.g. redeem 25,000 miles for travel and get 2,500 miles back)
Use miles for a statement credit toward any airline purchase to any destination with no seat restrictions and no blackout dates
Easily redeem your miles for statement credits toward flights, cruises, car rentals, hotels and more
Complimentary subscription to TripIt Pro mobile travel organizer — a $49 annual value!

Purchases		Balance Transfers		Regular APR	Annual Fee
Intro APR	Intro Period	Intro APR	Intro Period	Regular APR	Annual Fee
0%	12 months	N/A	N/A	14.99%-18.99% (Variable)	$0

Barclaycard® Rewards MasterCard® - Excellent Credit

Earn up to 10,000 points, equal to a $100 statement credit, after spending $750 in the first three months
0% Introductory APR for 12 months on purchases
No annual fee
Earn 2 points per $1 on gas, grocery, and utility purchases
Earn 1 points per $1 everywhere else
Use the points you earn like cash to pay for almost any purchases you've made.
No blackout date, no redemption fees, no limit on the points you can earn and no complicated set up.
This offer is for individuals with a good to excellent credit history which amongst other things is clear of bankruptcy and delinquent accounts

Purchases		Balance Transfers		Regular APR	Annual Fee
Intro APR	Intro Period	Intro APR	Intro Period	Regular APR	Annual Fee
0%	12 billing cycles	N/A	N/A	14.99%-24.99% (Variable)	$0

Citi® Platinum Select® / AAdvantage® Visa Signature® Card

Earn 30,000 American Airlines AAdvantage® bonus miles after $1,000 in purchases within the first 3 months of cardmembership*
Your first eligible checked bag is free*
Priority Boarding with Group 1 privileges* and 25% savings on eligible in-flight purchases*
Earn a $100 American Airlines Flight Discount every cardmembership year with qualifying purchases and cardmembership renewal*
Double AAdvantage® miles on eligible American Airlines purchases*
Earn 10% of your redeemed AAdvantage® miles back - up to 10,000 AAdvantage® miles each calendar year*

Purchases		Balance Transfers		Regular APR	Annual Fee
Intro APR	Intro Period	Intro APR	Intro Period	Regular APR	Annual Fee
N/A*	N/A*	N/A*	N/A*	15.24%* (Variable)	$95, waived for first 12 months*

Slate® from Chase

Click "APPLY NOW" to apply online or call 888-353-0298
Introductory Offer - No Balance Transfer Fee!*
Transfer a balance during the first 60 days your account is open, and as an introductory offer you will pay no balance transfer fee!*
0% Introductory APR for 15 months on purchases and balance transfers!*
Avoid interest and pay down balances faster with free Blueprint® features*
Patented Fraud Protection and zero liability on unauthorized purchases*
Add an additional card user to your Slate account at no extra cost*
No Annual Fee*

Purchases		Balance Transfers		Regular APR	Annual Fee
Intro APR	Intro Period	Intro APR	Intro Period	Regular APR	Annual Fee
0%	15 months	0%	15 months	11.99% - 21.99% Variable	$0

Discover it®

The new Discover it card is out to change the way people think about credit cards. Apply online or call 800-983-1403
Fair...No annual fee. No overlimit fee. No foreign transaction fee & no pay-by-phone fee. No late fee on your first late payment. And we won't increase your APR for paying late.*
Generous…5% Cashback Bonus on up to $1,500 in purchases at Home Improvement Stores now through June with free and easy sign-up. And 1% cash back on all other purchases.*
Plus a Cashback Concierge^SM who guides a free, personalized online tour to help you get the most rewards for how you use your card.
Flexible…Choose your own due date and pay up to midnight ET online or by phone.
Human…talk to a real person any time with 100% U.S.-based service.
Safe…Because you’ll never pay for unauthorized purchases with our $0 Fraud Liability Guarantee.
0% Intro APR* on purchases and balance transfers for 14 months. Then the variable purchase APR applies, currently 10.99% - 22.99%. *Click apply for Terms & Conditions.

Purchases		Balance Transfers		Regular APR	Annual Fee
Intro APR	Intro Period	Intro APR	Intro Period	Regular APR	Annual Fee
0%	14 months	0%	14 months	10.99% - 22.99% (V)*	$0

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