Credit Cards For People With Excellent Credit


  • Apply Now

    Credit Needed:
    Excellent Credit

    • Get a $100 cash rewards bonus after you spend $500 in purchases in the first 90 days after account opening
    • Earn unlimited 1.5% cash rewards on every purchase
    • Every time you redeem, get a 5% cash rewards redemption bonus to use toward your next redemption
    • Redeem your cash rewards for a deposit into your bank account, a statement credit or gift cards. Redemptions start at $50
    • Cash rewards do not expire as long as your account is open, active and in good standing
    • 0% intro APR for the first 12 months on purchases. Plus, you'll get 0% introductory APR for the first 12 months on balance transfers made within 45 days of account opening.
    • After that a variable APR will apply, currently 15.24%, 19.24% or 23.24%, depending on your creditworthiness
    • No annual fee
    Purchases Intro APR0%
    Purchases Intro APR Period12 months
    Balance Transfers Intro APR0%
    Balance Transfers Intro APR Period12 months (must be completed within first forty-five days of account opening)
    Regular APR15.24%, 19.24% or 23.24%* Variable
    Annual Fee$0

    See Terms *

  • Apply Now

    Credit Needed:
    Excellent Credit

    • Earn $150 back after you spend $1,000 in purchases on your new Card in your first 3 months. You will receive the $150 back in the form of statement credits.
    • Earn Cash Back: 6% at U.S. supermarkets on up to $6,000 per year in purchases, 3% at U.S. gas stations & select U.S. dept stores, 1% on other purchases. Terms and limitations apply.
    • With the Blue Cash Preferred® Card, you can get cash back. No rotating reward categories. No enrollment required.
    • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit. Cash back is earned only on eligible purchases.
    • 0% intro APR on purchases and balance transfers for 12 months, then a variable rate, currently 13.24% to 23.24%, based on your creditworthiness and other factors.
    • Terms and Conditions apply.

    Terms and Restrictions Apply

    Purchases Intro APR0%
    Purchases Intro APR Period12 months
    Balance Transfers Intro APR0%
    Balance Transfers Intro APR Period12 months
    Regular APR13.24%-23.24% Variable
    Annual Fee$95 ($75 if your application is received by 8/3/16)

    See Terms *

  • Apply Now

    Credit Needed:
    Good/Excellent

    • Earn 1% cash back on all purchases (terms apply) and double cash back on NASCAR.com purchases.
    • Zero fraud liability protects you from unauthorized charges
    • Email or text alerts to remind you when your payment is due
    • Flexible payment date to assist you in making your payments on time.
    • Automatic reviews for credit line increase opportunities
    • Free online monthly credit score tracking included
    Purchases Intro APRN/A
    Purchases Intro APR PeriodN/A
    Balance Transfers Intro APRN/A
    Balance Transfers Intro APR PeriodN/A
    Regular APR16.65%-23.90% (Variable)
    Annual Fee$0 - $99

    See Terms *

  • Apply Now

    Credit Needed:
    Excellent/Good

    • $100 Cash Back Bonus after first use of card within 90 days of account opening
    • Earn up to 10% total cash back as a Upromise member when you use your Upromise MasterCard on eligible purchases at online retailers and travel partners through Upromise.com
    • 2% cash back on eligible in-store and movie theater purchases
    • 1% cash back on all other purchases
    • No Limit to the total cash back you can earn on eligible purchases
    • No rotating reward categories
    • Complimentary FICO® Credit Score
    Purchases Intro APRN/A
    Purchases Intro APR PeriodN/A
    Balance Transfers Intro APR0%
    Balance Transfers Intro APR Period15 months, made within the first 45 days of account opening
    Regular APR14.24% - 23.24% Variable
    Annual Fee$0

    See Terms *

  • Apply Now

    Credit Needed:
    Excellent Credit

    • Click "APPLY NOW" to apply online or call 877-214-6671
    • Get 25,000 bonus Starpoints® after you use your new Card to make $3,000 in purchases within the first 3 months.
    • No Foreign Transaction Fees on international purchases.
    • Receive free in-room, premium internet access. Booking requirements apply.
    • Enjoy complimentary, unlimited Boingo Wi-Fi on up to four devices at more than 1,000,000 Boingo hotspots worldwide. Enrollment required.
    • Get free nights at over 1,200 hotels and resorts in nearly 100 countries with no blackout dates. Some hotels may have mandatory service and resort charges.
    • $0 introductory annual fee for the first year, then $95.
    • Terms and Conditions apply.

    Terms and Restrictions Apply

    Purchases Intro APRN/A
    Purchases Intro APR PeriodN/A
    Balance Transfers Intro APRN/A
    Balance Transfers Intro APR PeriodN/A
    Regular APR15.49%-19.49% Variable
    Annual Fee$0 introductory annual fee for the first year, then $95.

    See Terms *

  • Apply Now

    Credit Needed:
    Excellent/Good

    • Earn cash back twice on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
    • Balance Transfers do not earn cash back
    • 0% Intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.24% - 23.24% based on your creditworthiness
    • Click 'Apply Now' to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases.
    • No categories to track, no caps on cash back, no annual fee*
    Purchases Intro APRN/A
    Purchases Intro APR PeriodN/A
    Balance Transfers Intro APR0%
    Balance Transfers Intro APR Period18 months*
    Regular APR13.24% - 23.24%* (Variable)
    Annual Fee$0*

    See Terms *

  • Apply Now

    Credit Needed:
    Excellent Credit

    • Earn $100 back after you spend $1,000 in purchases on your new Card in your first 3 months. You will receive cash back in the form of statement credits.
    • Earn Cash Back: 3% at U.S. supermarkets on up to $6,000 per year in purchases, 2% at U.S. gas stations & select U.S. dept stores, 1% on other purchases. Terms and limitations apply.
    • Simple and straightforward: With the Blue Cash Everyday Card, you can start earning cash back. No rotating reward categories. No enrollment required.
    • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit. Cash back is earned only on eligible purchases.
    • No annual fee. Plus, 0% intro APR on purchases and balance transfers for 12 months, then a variable rate, currently 13.24% to 23.24%, based on your creditworthiness and other factors.
    • Terms and Conditions apply.

    Terms and Restrictions Apply

    Purchases Intro APR0%
    Purchases Intro APR Period12 months
    Balance Transfers Intro APR0%
    Balance Transfers Intro APR Period12 months
    Regular APR13.24%-23.24% Variable
    Annual Fee$0

    See Terms *

  • Apply Now

    Credit Needed:
    Excellent Credit

    • For a limited time: Earn 75,000 Hilton HHonors™ Bonus Points after making $2,000 in purchases within the first 3 months of account opening*
    • Earn 6 HHonors Bonus Points for each $1 spent at any participating hotel within the Hilton Portfolio.*
    • Earn 3 HHonors Bonus Points for each $1 spent on purchases at supermarkets, drugstores and gas stations.*
    • Earn 2 HHonors Bonus Points for each $1 spent on all other purchases.*
    • Enjoy the benefits of HHonors Silver status as long as you are a cardmember*
    • No annual fee.*
    Purchases Intro APRN/A
    Purchases Intro APR PeriodN/A
    Balance Transfers Intro APRN/A
    Balance Transfers Intro APR PeriodN/A
    Regular APR15.49% - 19.49%* (Variable)
    Annual FeeNone

    See Terms *

  • Apply Now

    Credit Needed:
    Excellent Credit

    • Earn 50,000 Hilton HHonors™ Bonus Points after you spend $750 in purchases on the Card within your first 3 months of Card Membership.
    • Get 7X Hilton HHonors Bonus Points for each dollar of eligible purchases charged on your Card directly with a participating hotel or resort within the Hilton Portfolio.
    • Get 5X Hilton HHonors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, U.S. supermarkets, and U.S. gas stations.
    • Get 3X Hilton HHonors Bonus Points for all other eligible purchases on your Card. Terms and limitations apply.
    • Enjoy complimentary Silver status with your Hilton HHonors™ Card.
    • Spend $20,000 on eligible purchases on your Card in a calendar year and you can earn HHonors Gold status through the end of the next calendar year.
    • Terms and Conditions apply.

    Terms and Restrictions Apply

    Purchases Intro APRN/A
    Purchases Intro APR PeriodN/A
    Balance Transfers Intro APRN/A
    Balance Transfers Intro APR PeriodN/A
    Regular APR15.49%-19.49% Variable
    Annual Fee$0

    See Terms *

  • Apply Now

    Credit Needed:
    Good to Excellent

    • Earn 5,000 bonus points after you spend $1,000 on purchases in the first 90 days.
    • Earn 3 points per $1 on JetBlue purchases, 2 points per $1 at restaurants and grocery stores and 1 point per $1 on all other purchases.
    • No blackout dates on JetBlue-operated flights & redeem for any seat, any time on JetBlue-operated flights. Points required for an Award Flight will vary based on the published base fare at the time of booking.
    • Points awarded in your TrueBlue account don't expire. Earn and share points together with Family Pooling.
    • 50% savings on eligible inflight purchases including cocktails, food and movies.
    • No foreign transaction fees.
    • Chip-card technology & $0 Fraud Liability protection.
    • 0% introductory APR for first 12 billing cycles on balance transfers made within 45 days of account opening. After that a variable APR will apply, 12.24%, 20.24% or 25.24%, based on your creditworthiness.
    Purchases Intro APRN/A
    Purchases Intro APR PeriodN/A
    Balance Transfers Intro APR0%
    Balance Transfers Intro APR PeriodFirst twelve billing cycles following each balance transfer that posts to account within 45 days of account opening
    Regular APR12.24%, 20.24% or 25.24% Variable
    Annual Fee$0

    See Terms *

Information About Credit Cards for People with Excellent Credit

When you apply for any type of credit, be it a credit card, a new mortgage, or a car loan, the lender will use your credit score to determine whether you qualify for a loan. And not only that, the rates and terms that govern the loan are also decided upon on the basis of your credit rating.

The higher your credit score, the more attractive you look to lenders and the better terms you will be offered. Credit scores run from 300 to 850; most people score between 600 and 800. For your credit rating to be considered excellent, your score needs to be above 720, but even if your score falls between 620 and 720, you still have a good credit rating.

Credit cards for people with excellent credit offer the most favorable interest rates and they also offer the best terms. For example, if you submit a credit card application for a 0 APR credit card, credit cards for good and excellent credit will typically give you the 0 APR for a longer introductory term. If you look through our section on credit cards for people with good credit, you might notice that in some cases, the same cards appear both in the section with Credit Cards for People with Good Credit and in the section with Credit Cards for People with Fair Credit. These credit cards use sliding scale APR's and different 0 APR periods, and this allows them to approve people with different credit levels.

Because of their lower rates and better terms, good credit credit cards can save you money over time. You will also save considerably on any mortgage or car loan you may take out, so it pays to keep your credit score high. To keep your score high, make sure you pay your bills on time, don't take out too much debt, and don't apply for new credit too frequently.