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.

 
     

     
 
Citi Simplicity® Card
Citi Simplicity® Card

Citi Simplicity® Card

 

  • 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 12.99% - 22.99% 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.
PurchasesBalance TransfersRegular APRAnnual FeeCredit Needed
Intro APRIntro PeriodIntro APRIntro Period
0%*
18 months*0%*18 months*12.99% - 22.99%* (Variable)$0*Excellent Credit

Citi ThankYou® Premier Card
Citi ThankYou® Premier Card

Citi ThankYou® Premier Card

 

  • Earn up to 50,000 bonus ThankYou® Points. Bonus points are redeemable for up to $500 in gift cards, up to $625 for airfare or other great rewards
  • Earn 20,000 points after $2,000 in purchases within the first 3 months of account opening
  • Earn an additional 30,000 points after another $3,000 in purchases within the first 3 months of your second year of being a cardmember
  • Earn 3 ThankYou Points for every $1 spent on purchases for dining at restaurants and entertainment
  • Earn 2 ThankYou Points for every $1 spent on purchases for airfare and hotels
  • Earn 1 ThankYou Point per $1 spent on other purchases
  • Points do not expire and earn unlimited Thank You Points
  • Travel with ease and enjoy chip based technology
PurchasesBalance TransfersRegular APRAnnual FeeCredit Needed
Intro APRIntro PeriodIntro APRIntro Period
N/A
N/AN/AN/A13.99% - 22.99%* (Variable)$125; fee waived for the first 12 months*Excellent Credit

U.S. Bank Visa® Platinum Card
U.S. Bank Visa® Platinum Card

U.S. Bank Visa® Platinum Card

 

  • 0% Intro APR* on purchases and balance transfers for 15 billing cycles. After that, a variable APR currently 9.99%-23.99%
  • No annual fee*
  • Online bill pay for a fast and convenient way to pay bills online with your U.S. Bank Visa® Platinum
  • $0 fraud liability* for unauthorized transactions if your card is ever lost or stolen
  • Fraud Protection detects and notifies you of any unusual card activity to help prevent fraud
  • Online account management and account alerts
PurchasesBalance TransfersRegular APRAnnual FeeCredit Needed
Intro APRIntro PeriodIntro APRIntro Period
0%
15 billing cycles0%15 billing cycles9.99% - 23.99%* (Variable)$0*Excellent Credit

Citi ThankYou® Preferred Card — Earn 20,000 Bonus Points
Citi ThankYou® Preferred Card — Earn 20,000 Bonus Points

Citi ThankYou® Preferred Card — Earn 20,000 Bonus Points

 

  • Earn 20,000 bonus ThankYou® Points after $1,500 in card purchases within 3 months of account opening – redeemable for $200 in gift cards or other great rewards!
  • 0% intro APR on Balance Transfers and Purchases for 12 months. After that, the variable APR will be 12.99%-22.99% based upon your creditworthiness*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.*
  • 2 ThankYou Points per dollar spent on dining at restaurants and entertainment. 1 ThankYou Point on other purchases
  • Points do not expire and earn unlimited Thank You Points
  • Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more
  • Travel with ease and enjoy global acceptance with Chip Technology
  • No annual fee*
PurchasesBalance TransfersRegular APRAnnual FeeCredit Needed
Intro APRIntro PeriodIntro APRIntro Period
0%*
12 months*0%*12 months*12.99% - 22.99%* (Variable)$0*Excellent Credit

Virgin America Visa Signature® Card
Virgin America Visa Signature® Card

Virgin America Visa Signature® Card

 

  • Get 10,000 bonus reward points after you spend $1,000 in your first 90 days as a cardholder; that's up to $200 toward no-blackout reward flights on Virgin America.
  • Earn 3 bonus reward points per $1 spent with Virgin America.
  • Earn 1 bonus reward point for every $1 spent on all other card purchases.
  • Check one free bag each for you and your plus-one on Virgin America flights.
  • Bring a friend along for the ride with $150 off a companion ticket every year.
  • Save 20% on all of your RED™ in-flight purchases, including meals, snacks, cocktails, and on-demand entertainment.
  • Book reward flights for as few as 2,500 points, and travel whenever you want with no blackout dates on Virgin America.
PurchasesBalance TransfersRegular APRAnnual FeeCredit Needed
Intro APRIntro PeriodIntro APRIntro Period
N/A
N/AN/AN/A15.98%-24.99% (Variable)$49Excellent Credit

The Platinum Card® from American Express
The Platinum Card® from American Express

The Platinum Card® from American Express

 

  • Click "APPLY NOW" to apply online or call 888-819-3386
  • Earn 40,000 points after you spend $3,000 on purchases on your new Card in your first 3 months.
  • Up to a $200 Airline Fee Credit Annually.
  • To receive the statement credit, you need to select a qualifying airline.
  • There are no foreign transaction fees with purchases made on your Platinum Card.
  • Platinum Card Concierge is your personal resource to help secure a last minute restaurant reservation, or shop for a hard-to-find gift.
  • Terms & restrictions apply.
PurchasesBalance TransfersRegular APRAnnual FeeCredit Needed
Intro APRIntro PeriodIntro APRIntro Period
N/A
N/AN/AN/AN/A$450Excellent Credit

The Choice Privileges® Visa® Card
The Choice Privileges® Visa® Card

The Choice Privileges® Visa® Card

 

  • Earn 8,000 bonus points after your first purchase
  • Earn 24,000 bonus points after your first paid stay at a Choice Privileges® location
  • Earn 15 points per eligible $1 spent at over 4,200 Choice Privileges® locations
  • Earn 2 points per eligible $1 spent on everyday purchases
  • No Annual Fee
  • Please see Terms and Conditions for complete details
PurchasesBalance TransfersRegular APRAnnual FeeCredit Needed
Intro APRIntro PeriodIntro APRIntro Period
N/A
N/AN/AN/A15.24% or 19.99% (Variable)$0Excellent Credit

Citi® Hilton HHonorsTM Reserve Card
Citi® Hilton HHonors<sup>TM</sup>  Reserve Card

Citi® Hilton HHonors<sup>TM</sup>  Reserve Card

 

  • Earn 2 weekend night certificates good at select hotels and resorts within the Hilton portfolio after you make $2,500 in purchases within 4 months of account opening*
  • Earn 10 HHonors Bonus Points per $1 spent on hotel stays within the Hilton portfolio*
  • Earn 5 HHonors Bonus Points per $1 spent on airline and car rental purchases*
  • Earn 3 HHonors Bonus Points per $1 spent on all other eligible purchases*
  • Enjoy the benefits of HHonors Gold status as long as you are a cardmember*
  • No foreign transaction fees on purchases*
  • Travel with ease and enjoy global acceptance with your Citi chip credit card
PurchasesBalance TransfersRegular APRAnnual FeeCredit Needed
Intro APRIntro PeriodIntro APRIntro Period
N/A
N/AN/AN/A15.24%* (Variable)$95Excellent Credit

Visa® Black CardTM
Visa® Black Card<sup>TM</sup>

Visa® Black Card<sup>TM</sup>

 

  • Made of Stainless SteelSM
  • An Industry-Leading Rewards Program
  • Exclusive 24-Hour Concierge Service
  • VIP Treatment at over 3,000 Properties
  • Unlimited VIP Airport Lounge Visits
  • Members Only — Luxury Magazine
  • Luxury Gifts from the World's Top Brands
PurchasesBalance TransfersRegular APRAnnual FeeCredit Needed
Intro APRIntro PeriodIntro APRIntro Period
N/A
N/A0%15 months14.99% (Variable)$495Excellent Credit

NFL Extra Points Credit Card
NFL Extra Points Credit Card

NFL Extra Points Credit Card

 

  • Earn 10,000 bonus points after $500 in purchases in the first 90 days, enough to redeem for a $100 cash back statement credit
  • 0% promotional APR for 6 months on ALL ticket purchases from a team ticket office. After that, a variable APR currently 14.99%, 19.99% or 24.99%, based on your credit worthiness
  • Earn 2 points per $1 on NFL or team purchases - game tickets, in-stadium and at team Pro Shops - and 1 point per $1 on all other purchases
  • 20% off every purchase at NFLShop.com - that's $20 off every $100 you spend
  • Redeem points for VIP NFL experiences, game tickets or 1% cash back statement credits beginning at 2,500 points for a $25 statement credit
  • All 32 team cards are available, customized with your favorite team's colors and logo
  • 0% introductory APR for 15 months on balance transfers made within 45 days of account opening. After that a variable APR, currently 14.99%, 19.99% or 24.99%, based on your creditworthiness
PurchasesBalance TransfersRegular APRAnnual FeeCredit Needed
Intro APRIntro PeriodIntro APRIntro Period
N/A
N/A0%15 months (must be completed within first forty-five days of account opening)14.99%, 19.99% or 24.99%* Variable$0Fair to Excellent

 
     

     
 
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