Credit Card Guide
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Credit Cards For People With Excellent Credit

 

These cards from our partners 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®
Discover it®

Discover it®

 

  • Click "APPLY NOW" to apply online or call 888-312-0082
  • 0% intro APR on balance transfers for 18 months—then a variable purchase APR applies, currently 10.99 - 22.99%. A 3% fee applies to each transferred balance.
  • 0% intro APR on purchases for 6 months. Then the variable purchase APR applies, currently 10.99% - 22.99%.
  • Rated 4.8 out of 5 Stars by over 4,000 cardmembers.*
  • No annual fee, no late fee for your first late payment - APR won't go up for paying late, no overlimit fee and no foreign transaction fee.*
  • Free FICO® Credit Score online and on monthly statements.*
  • 5% cash back at gas stations on up to $1,500 in purchases from July through September 2014 after you sign up*. 1% cash back on all other purchases.
  • 100% U.S.- based customer service—anytime, day and night.
  • *See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply."
PurchasesBalance TransfersRegular APRAnnual FeeCredit Needed
Intro APRIntro PeriodIntro APRIntro Period
0%
6 months0%18 months10.99% - 22.99% Variable*$0Excellent Credit

Blue Cash Preferred® Card from American Express
Blue Cash Preferred® Card from American Express

Blue Cash Preferred® Card from American Express

 

  • Get $150 back after you spend $1,000 on purchases on your new Card in your first 3 months. You will receive $150 back in the form of a statement credit.
  • Hassle-free cash back: no enrollment required, the same great reward categories year-round.
  • Earn Cash Back: 6% US supermarkets up to $6,000 per year in purchases, 3% 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.
  • A credit card that gives you cash back with a 0% Intro APR Offer on purchases and balance transfers for 15 months.
  • After that, your APR will be a variable rate, currently 12.99%-21.99% based on your creditworthiness and other factors.
  • Terms and restrictions apply.
PurchasesBalance TransfersRegular APRAnnual FeeCredit Needed
Intro APRIntro PeriodIntro APRIntro Period
0%
15 months0%15 months12.99% - 21.99% Variable$75Excellent Credit

Discover it® chrome
Discover it® chrome

Discover it® chrome

 

  • 0% Intro APR* on balance transfers for 18 months. Then the variable purchase APR applies, currently 10.99% - 22.99%. A fee of 3% applies for each balance transferred.
  • 0% Intro APR* on purchases for 6 months. Then the variable purchase APR applies, currently 10.99% - 22.99%.
  • 2% cash back on up to $1,000 in combined purchases at restaurants and gas stations every quarter—no sign-ups needed*. 1% cash back on all your other purchases.
  • No annual fee, no overlimit fee, no late fee on your first late payment and no foreign transaction fee*.
  • Free FICO® Credit Score online and on your monthly statement so you can track your score's progress*.
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized Discover card purchases.
  • 100 % U.S. based customer service - anytime, day and night.
  • *See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply".
PurchasesBalance TransfersRegular APRAnnual FeeCredit Needed
Intro APRIntro PeriodIntro APRIntro Period
0%
6 months0%18 months10.99% - 22.99% Variable*$0Excellent Credit

Barclaycard Arrival™ World MasterCard®
Barclaycard Arrival™ World MasterCard®

Barclaycard Arrival™ World MasterCard®

 

  • Earn 20,000 bonus miles when you spend $1,000 on purchases in the first 90 days — that's enough to redeem for a $200 travel statement credit
  • 0% intro APR on balance transfers and 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 and 1X miles on all other purchases
  • Miles don't expire as long as your account is open, active and in good standing
  • Book the travel you want — airfare, hotels, cruises and more and earn miles on your purchase
  • Get 10% miles back to use toward your next redemption every time you redeem for travel statement credits
  • No foreign transaction fees on anything you buy while in another country
  • Complimentary online FICO® Score access for Barclaycard Arrival cardmembers
PurchasesBalance TransfersRegular APRAnnual FeeCredit Needed
Intro APRIntro PeriodIntro APRIntro Period
0%
12 months0%12 months14.99% or 18.99%* (Variable)$0Excellent Credit

Chase Freedom®
Chase Freedom®

Chase Freedom®

 

  • 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 a $100 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn a $25 Bonus after you add your first authorized user and make a purchase within this same 3-month period
  • 0% Intro APR for 15 months on purchases and balance transfers. After the intro period, a variable APR of 13.99%-22.99%
  • 5% Cash Back on up to $1,500 in combined purchases between July 1 and September 30, 2014 at gas stations and Kohl'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
PurchasesBalance TransfersRegular APRAnnual FeeCredit Needed
Intro APRIntro PeriodIntro APRIntro Period
0%
15 months0%15 months13.99%-22.99% (Variable)$0Excellent/Good

British Airways Visa Signature® Card
British Airways Visa Signature® Card

British Airways Visa Signature® Card

 

  • You will get 50,000 bonus Avios after you make $2,000 in purchases within the first 3 months of account opening
  • Pay no foreign transaction fees when you travel abroad
  • In addition to the bonus Avios, you will also get 2.5 Avios for every $1 spent on British Airways purchases and 1.25 Avios for every $1 spent on all other purchases
  • Every calendar year you make $30,000 in purchases on your British Airways Visa Card, you'll earn a Travel Together Ticket good for two years
  • Smart Chip Technology allows you to use your card for chip based purchases in Europe & Beyond, while still giving you the ability to use your card as you do today at home
PurchasesBalance TransfersRegular APRAnnual FeeCredit Needed
Intro APRIntro PeriodIntro APRIntro Period
N/A
N/AN/AN/A15.99% (Variable)$95Excellent Credit

American Express® Premier Rewards Gold Card
American Express® Premier Rewards Gold Card

American Express® Premier Rewards Gold Card

 

  • Earn 25,000 Membership Rewards® points after you spend $2,000 on purchases on your new Card in your first 3 months of Card Membership.
  • 3X points for flights booked directly with airlines, 2X points at US gas stations and US supermarkets, 1X points on other purchases.
  • You can transfer points to over 20 frequent traveler programs or use points for gift cards at popular stores.
  • As an added bonus, you can get 15,000 points after you spend $30,000 in purchases on your Card in a calendar year.
  • $0 introductory annual fee for the first year, then $175.
  • Terms and Restrictions Apply.
PurchasesBalance TransfersRegular APRAnnual FeeCredit Needed
Intro APRIntro PeriodIntro APRIntro Period
N/A
N/AN/AN/AN/AIntroductory annual fee of $0 for the first year, then $175Excellent Credit

Capital One® Platinum Prestige Credit Card
Capital One® Platinum Prestige Credit Card

Capital One® Platinum Prestige Credit Card

 

  • Click "APPLY NOW" to apply online or call 866-582-0808
  • Get 0% intro APR on all purchases until November 2015
  • Balance transfers also have a 0% intro APR until November 2015, a 3% fee applies to each balance transferred
  • Enjoy no annual fee
  • Get peace of mind with fraud coverage if your card is lost or stolen
  • Enjoy extended warranty protection on eligible items purchased with your card
  • Fast and easy access, 24/7
  • Rent a car using your card and get collision, damage, and loss insurance
  • Feel secure with 24-hour roadside assistance
PurchasesBalance TransfersRegular APRAnnual FeeCredit Needed
Intro APRIntro PeriodIntro APRIntro Period
0%
until November 20150%until November 201510.9% - 18.9% (V)$0Excellent/Good

Discover it®
Discover it®

Discover it®

 

  • Click "APPLY NOW" to apply online or call 800-983-1403
  • 0% intro APR on purchases & balance transfers for 14 months—then a variable purchase APR applies, currently 10.99 - 22.99%. A 3% fee applies to each transferred balance.
  • Rated 4.8 out of 5 stars by over 4,000 cardmembers.*
  • No annual fee, no late fee for your first late payment - APR won't go up for paying late, no overlimit fee and no foreign transaction fee.*
  • Free FICO® Credit Score online and on monthly statements.*
  • 5% cash back at gas stations on up to $1,500 in purchases from July through September 2014 after you sign up*. 1% cash back on all other purchases.
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized Discover card purchases.
  • 100% U.S.- based customer service - anytime, day and night.
  • *See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply."
PurchasesBalance TransfersRegular APRAnnual FeeCredit Needed
Intro APRIntro PeriodIntro APRIntro Period
0%
14 months0%14 months10.99% - 22.99% Variable*$0Excellent Credit

Discover it® chrome
Discover it® chrome

Discover it® chrome

 

  • 2% cash back on up to $1,000 in combined purchases at restaurants and gas stations every quarter -no sign-ups needed*. 1% cash back on all your other purchases.
  • 0% intro APR on purchases and balance transfers for 14 months—then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
  • No annual fee, no overlimit fee, no late fee on your first late payment and no foreign transaction fee*.
  • Free FICO® Credit Score online and on your monthly statement so you can track your score's progress*.
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized Discover card purchases.
  • 100% U.S. based customer service - anytime, day and night.
  • *See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply".
PurchasesBalance TransfersRegular APRAnnual FeeCredit Needed
Intro APRIntro PeriodIntro APRIntro Period
0%
14 months0%14 months10.99% - 22.99% Variable*$0Excellent Credit

 
     

     
 
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