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.

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

Citi Simplicity® Card

0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 12.99% - 21.99% based on your creditworthiness.
There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
No late fees - EVER
No penalty rate - EVER
No annual fee - EVER
Save time when you call with fast, personal help, 24 hours a day.

Purchases		Balance Transfers		Regular APR	Annual Fee
Intro APR	Intro Period	Intro APR	Intro Period	Regular APR	Annual Fee
0%*	18 months*	0%*	18 months*	12.99% - 21.99%* (Variable)	$0*

Blue Cash Everyday® Card from American Express

Earn 100 Reward Dollars after you make $1,000 in purchases in the first three months of Cardmembership.
Earn Cash Back: 3% at US supermarkets, up to $6,000 per year in purchases, 2% at US gas stations & select US dept stores, 1% on other purchases. Terms and limitations apply.
Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
Simple and Straightforward: With the Blue Cash Everyday Card, you can start earning cash back. No rotating reward categories. No enrollment required.
No annual fee, 0% intro APR on purchases for 12 months. After that, your APR will be a variable rate, currently 12.99%-21.99% with flexibility to pay over time.
Terms and Restrictions Apply.

Purchases		Balance Transfers		Regular APR	Annual Fee
Intro APR	Intro Period	Intro APR	Intro Period	Regular APR	Annual Fee
0%	12 months	None	None	12.99% - 21.99% Variable	$0

NFL Extra Points Credit Card

All 32 teams and NFL Shield card available
0% Intro APR on balance transfers and purchases for the first 12 months after account opening, after that a variable APR currently 13.74% to 22.74% depending upon your creditworthiness
One-time bonus of 10,000 points after first use on the card, equal to $100 cash back statement credit
Earn 2 points for every $1 spent on NFL or team purchases - 1 point for all other purchases
No cap on points earned and points never expire
Redeem points for merchandise, once-in-a-lifetime experiences, game tickets, or 1% cash back statement credits
20% off every purchase at NFLShop.com - that's $20 off every $100 you spend

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	13.74% - 22.74% (Variable)	$0

Visa® Black Card^TM

Receive special benefits at over 3,000 hotels, resorts and villas worldwide
Earn 25,000 bonus points when you spend $1,500 within 90 days of account opening
1% cash back as a statement credit
100% more value on airfare rewards. It only takes 25,000 points to get a $500 ticket
24-Hour Concierge Service
Unlimited VIP Airport Lounge Visits
Luxury Gifts
Excellent Credit Needed

Purchases		Balance Transfers		Regular APR	Annual Fee
Intro APR	Intro Period	Intro APR	Intro Period	Regular APR	Annual Fee
N/A	N/A	0%	15 billing cycles	14.99% (Variable)	$495

Chase Freedom® Visa

Click "APPLY NOW" to apply online or call 877-925-1141
This offer is for people with a good to excellent credit history which means, among other things, that your credit history is clear of bankruptcy and seriously delinquent accounts
Earn $100 Bonus Cash Back after you make $500 in purchases in your first 3 months from account opening
0% Intro APR for 15 months on purchases and balance transfers
5% Cash Back on up to $1,500 spent between Apr 1 and Jun 30, 2013 at restaurants, movie theaters, and Lowe's®
You'll enjoy new 5% categories every 3 months like gas stations, restaurants and Amazon.com. It's free and easy to activate your bonus each quarter!
Unlimited 1% Cash Back on all other purchases
No annual fee and rewards never expire

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	13.99%-22.99% (Variable)	n/a

Blue Cash Preferred® Card from American Express

Earn 150 Reward Dollars after you make $1,000 in purchases in the first three months of Cardmembership.
Earn Cash Back: 6% US supermarkets up to $6,000 per year in purchases, 3% US gas stations & select US dept stores, 1% other purchases. Terms and limitations apply.
Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
Simple and Straightforward: With the Blue Cash Preferred Card, you can start earning cash back. No rotating reward categories. No enrollment required.
Terms and Restrictions Apply.

Purchases		Balance Transfers		Regular APR	Annual Fee
Intro APR	Intro Period	Intro APR	Intro Period	Regular APR	Annual Fee
0%	12 months	None	None	12.99% - 21.99% Variable	$75

Marriott Rewards® Premier Credit Card

Enjoy up to 7 Free Nights To Start!
New! Smart Chip Technology and No Foreign Transaction Fees!
Earn 5 points for every $1 spent at Marriott® locations
Earn 2 points for every $1 spent on airline tickets purchased directly with the airline, and at car rental agencies & restaurants
Earn 1 point for every $1 spent on other purchases
Receive 1 free night stay after account approval and each year upon account anniversary
Cardmembers achieve Silver Elite status with 15 nights credit toward Elite status

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)	$0 1^st year, then $85

The L.L.Bean Visa Card

No Annual Fee
Earn 3% rewards on L.L.Bean purchases
Earn 1% rewards on all other purchases
Receive $10 L.L.Bean Coupons as you earn them
Enjoy free returns and free monogramming at L.L.Bean
Please see terms and conditions for complete detail

Purchases		Balance Transfers		Regular APR	Annual Fee
Intro APR	Intro Period	Intro APR	Intro Period	Regular APR	Annual Fee
N/A	N/A	0%	12 months	13.99%-19.99% (Variable)	$0

The Carnival™ MasterCard®

0% APR on purchases and balance transfers for the first 12 months after account opening (after that a variable APR currently 13.99% - 20.99%)
Earn 5,000 bonus points when you use your card for the first time
Earn DOUBLE points on any Carnival™ purchase
Earn 1 point per $1 spent everywhere else
Redeem points for cruises on Carnival™ or other eligible World's Leading Cruise Lines vacations, hotel or flight discounts, onboard gifts and services, merchandise or gift cards
No Annual Fee
Please see terms and conditions for complete details

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	13.99%-20.99% (Variable)	$0

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