CARDS BY CATEGORYCARDS BY CREDITCARDS BY ISSUERNews & Tools 
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Credit Cards For People With Excellent Credit
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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.
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| Capital One® VentureOneSM Rewards Credit Card |
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- Click "APPLY NOW" to apply online or call 866-781-9766
- 1.25 miles per dollar on every purchase, every day and no annual fee
- One-time bonus of 10,000 miles once you spend $1,000 on purchases within the first 3 months, equal to $100 in travel
- Redeem miles for airline tickets, hotel rooms, car rentals, and more
- No limit on the miles you can earn and miles don't expire
- Fly on any airline, any time with no blackout dates
- 0% intro APR on purchases until June 2014
- No foreign transaction fees
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| Purchases | Balance Transfers | Regular APR | Annual Fee |
| Intro APR | Intro Period | Intro APR | Intro Period |
0%
| until June 2014 | N/A | N/A | 11.9% - 19.9% (V) | $0 |
| United MileagePlus® Explorer Card |
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- NEW! No foreign transaction fees!
- Start with 30,000 bonus miles after you spend $1,000 in the first 3 months
- Check your first bag for free - save up to $100 per roundtrip
- Earn double miles on tickets purchased from United, and 1 mile per $1 on all other purchases
- Enjoy priority boarding privileges and visit the United Club with two one-time-use passes every year
- Use your miles for any seat, any time, on any United flight
- Your miles don't expire as long as you're a Cardmember, with no limit to the number of miles you can earn
- $0 intro annual fee for the first year, then $95
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| Purchases | Balance Transfers | Regular APR | Annual Fee |
| Intro APR | Intro Period | Intro APR | Intro Period |
N/A
| N/A | N/A | N/A | 15.24% (Variable) | $0 intro annual fee for the first year, then $95 |
| Capital One® VentureSM Rewards Credit Card |
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- Click "APPLY NOW" to apply online or call 866-781-9766
- 2 miles per dollar on every purchase, every day
- As seen in Money® Magazine's "Best" issue three years in a row. - Money® Magazine May 2010, 2011, 2012
- Earn 10,000 bonus miles when you spend $1,000 on purchases within the first 3 months, equal to $100 in travel
- Redeem your miles for any travel expense
- No limit on the miles you can earn and miles don't expire
- Fly on any airline, any time with no blackout dates
- No foreign transaction fees
- $0 intro annual fee for the first year; $59 after that
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| Purchases | Balance Transfers | Regular APR | Annual Fee |
| Intro APR | Intro Period | Intro APR | Intro Period |
N/A
| N/A | N/A | N/A | 13.9% - 20.9% (V) | $0 intro for first year; $59 after that |
| Gold Delta SkyMiles® Credit Card from American Express |
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- To apply online click the "Apply Now" button or call 1-866-419-6673
- Bonus Miles: Earn 30,000 bonus miles toward Award Travel after you spend $500 on the Card within the first three months of Cardmembership.
- Earn As You Spend: Get 2X miles on Delta purchases and 1X miles for all other eligible dollars spent.
- Check your first bag free on every Delta flight - that's a savings of up to $200 per round trip for a family of four.
- Premium Travel Perks: Settle in sooner with Priority Boarding, and enjoy the skies with 20% in-flight savings to use toward meals, beverages, and movies awarded as a statement credit.
- $0 introductory annual fee for the first year, then $95.
- Terms and Restrictions Apply.
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| Purchases | Balance Transfers | Regular APR | Annual Fee |
| Intro APR | Intro Period | Intro APR | Intro Period |
None
| None | None | None | 15.24% - 19.24% Variable | $0 intro annual fee for the first year, then $95 |
| Capital One® Platinum Prestige Credit Card |
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- Click "APPLY NOW" to apply online or call 866-781-9766
- 0% intro APR until September 2014 on balance transfers
- 0% intro APR until September 2014 on purchases
- No annual fee
- $0 Fraud Liability if your card is lost or stolen
- 24-hour travel assistance gives you a replacement card and cash advance
- 24-hour roadside assistance
- Pick an image for your card—choose the one shown here, any of the hundreds in our collection, or add your own
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| Purchases | Balance Transfers | Regular APR | Annual Fee |
| Intro APR | Intro Period | Intro APR | Intro Period |
0%
| until September 2014 | 0% | until September 2014 | 10.9% - 18.9% (V) | $0 |
| BankAmericard® Visa® Card |
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- 0% Introductory APR for 15 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 10.99% - 20.99% variable APR
- No annual fee
- Enjoy Purchase Replacement coverage on lost, damaged or stolen purchases
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| Purchases | Balance Transfers | Regular APR | Annual Fee |
| Intro APR | Intro Period | Intro APR | Intro Period |
0%*
| 15 billing cycles* | 0%* | 15 billing cycles for qualifying balance transfers* | 10.99%-20.99% Variable* on purchases & balance transfers | None* |
| BankAmericard Cash Rewards™ Credit Card |
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- Get $100 cash rewards bonus after you spend $500 on purchases in the first 90 days of account opening
- 1% cash back on purchases everywhere, every time
- 2% on groceries and 3% on gas for the first $1500 in combined gas and grocery purchases each quarter
- Get a 10% customer bonus when you redeem cash back into a Bank of America® checking or savings account
- 0% introductory APR for 12 billing cycles for purchases and for any balance transfers made in the first 60 days, then, the regular APR
- No Annual fee
- No rotating categories and your rewards do not expire
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| Purchases | Balance Transfers | Regular APR | Annual Fee |
| Intro APR | Intro Period | Intro APR | Intro Period |
0%*
| 12 billing cycles* | 0%* | 12 billing cycles for qualifying balance transfers* | 12.99% - 22.99% Variable* on purchases & balance transfers | None* |
| Capital One® Cash Rewards |
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- $100 bonus after you spend $500 on purchases within the first 3 months
- 50% bonus on the cash back you earn every year
- 1% cash back on all purchases
- No annual fee
- Earn unlimited cash back that doesn't expire
- Redeem cash back anytime for any amount, even set automatic redemptions
- Personalize your card with an image of your choice
- 0% intro APR on purchases and balance transfers until June 2014
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| Purchases | Balance Transfers | Regular APR | Annual Fee |
| Intro APR | Intro Period | Intro APR | Intro Period |
0%
| until June 2014 | 0% | until June 2014 | 12.9% - 20.9% (V) | $0 |
| Starwood Preferred Guest® Credit Card from American Express |
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- Click "APPLY NOW" to apply online or call 866-415-6673
- Starpoints® bonus: earn up to 25,000 bonus points: 10,000 after your first purchase and another 15,000 after you spend $5,000 within the first 6 months of Cardmembership
- That’s enough for a weekend getaway to a Category 4 Hotel like the Westin Savannah Harbor Golf Resort & Spa, or six free nights at a Category 2 Hotel
- Free Hotel Nights: redeem Starpoints at over 1,100 hotels in nearly 100 countries worldwide - with no blackout dates
- Free Flights: redeem Starpoints on over 350 airlines with SPG Flights - with no blackout dates
- Get 5,000 bonus Starpoints after you transfer 20,000 Starpoints to a frequent flyer program with more than 30 airlines
- No limits on the number of Starpoints you can earn
- $0 introductory annual fee for the first year, then $65
- Terms and Restrictions apply.
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| Purchases | Balance Transfers | Regular APR | Annual Fee |
| Intro APR | Intro Period | Intro APR | Intro Period |
None
| None | None | None | 15.24% - 19.24% variable | $0 introductory annual fee for the first year, then $65 |
| BankAmericard Travel Rewards® Credit Card |
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- Earn 10,000 bonus points when you spend $500 on purchases in the first 90 days of account opening, which can be $100 towards travel purchases
- Earn flexible travel points good for everything from flights to baggage fees
- Earn 1.5 points for every dollar spent on purchases - 50% more than the average rewards programs which only offer 1 point per dollar
- No limit to the total number of points you can earn and points don't expire
- No annual fee
- Simply pay for your travel with your card. Then, call or go online and you can redeem your points for a statement credit towards all or part of your travel purchases
- No foreign transaction fees
- Chip Technology provides you expanded global acceptance when shopping anywhere you go, outside of the U.S.
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| Purchases | Balance Transfers | Regular APR | Annual Fee |
| Intro APR | Intro Period | Intro APR | Intro Period |
0%*
| 12 billing cycles* | N/A* | N/A* | 14.99% - 22.99% Variable* on purchases & balance transfers | None* |
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Information About Credit Cards for People with Excellent Credit
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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.
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