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Credit Cards For People With Good Credit

Excellent credit rating

The cards in this section require a good to 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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Citi® Platinum Select® Card
0% APR* on balance transfers and purchases for up to 12 months
  • APR as low as 8.49% after the introductory period*
  • Citi® Identity Theft Solutions
  • $0 liability on unauthorized purchases
  • Balance transfer fee applies with this offer
  • Secure, free online account management
  • No annual fee
Intro Purchase APR
Intro Balance Trans. APR
APR as low as Annual Fee
0%* for up to 12 mo. 0%* for up to 12 mo. 8.49%* None
Click Here! Apply Here
Discover® MoreSM Card
  • 5% Cashback Bonus® in categories like travel, home, gas, restaurants, movies and more
  • 5% to 20% Cashback Bonus® at top retailers through our exclusive online shopping site
  • Up to 1% Cashback Bonus® on all other purchases automatically
  • Unlimited cash rewards
  • Increase, even double, your rewards when you redeem for gift cards from our 100 Cashback Bonus® Partners
  • 0% Intro APR for 12 months on purchases and balance transfers
  • No annual fee
Intro Purchase APR
Intro Balance Trans. APR
APR as low as Annual Fee
0% for 12 mo. 0% for 12 mo. 10.99% None
Click Here! Apply Here
Citi CashReturnsSM Card
  • Earn a full 1% cash back on every purchase
  • Get a 20% bonus on the cash back earned on all purchases for the first 12 months
  • 0% APR* on balance transfers for up to 12 months
  • Checks will be sent automatically every time you earn $50
  • Balance transfer fee applies with this offer
  • No annual fee
Intro Purchase APR
Intro Balance Trans. APR
APR as low as Annual Fee
None 0% for up to 12 mo. 9.99% None
Click Here! Apply Here
Blue from American Express®
  • 0% intro APR on purchases for up to 15 months
  • Low balance transfer APR—4.99% fixed APR for the life of the balance
  • Membership Rewards Express® program
  • Blue is your launch pad to standout shopping and entertainment rewards and one-of-a-kind experiences
  • No annual fee
Intro Purchase APR
Intro Balance Trans. APR
APR as low as Annual Fee
0% for 15 mo. 4.99% with application 10.24% None
Click Here! Apply Here
Miles by Discover® Card
  • Double Miles on up to $3,000 in travel and restaurant purchases each year
  • 1 Mile for every $1 on all your other purchases
  • Book any travel, anytime with no blackout dates or restrictions
  • Unlimited Miles that never expire as long as you use your card
  • Redeem for travel credits to your account, gift cards from any of our 70 brand-name Partners or cash starting at just 1,000 Miles
Intro Purchase APR
Intro Balance Trans. APR
APR as low as Annual Fee
0% for 6 mo. 0% for 6 mo. 10.99% None
Click Here! Apply Here
Bank of America® Platinum Plus® Visa® Card
  • 0% introductory APR for 12 months for balance transfers with a balance transfer fee, min. $10, 3% of transfer*
  • Travel and emergency assistance*
  • Automatic auto rental insurance*
  • No annual fee
  • Card issued by FIA Card Services, NA.
Intro Purchase APR
Intro Balance Trans. APR
APR as low as Annual Fee
None 0% for 12 mo.* 8.24% None
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Citi® Diamond Preferred® Card
  • 0% APR* on balance transfers and purchases for up to 12 months
  • Citi® Identity Theft Solutions
  • $0 liability on unauthorized purchases
  • Secure, free online account management
  • Balance transfer fee applies with this offer
  • No annual fee
Intro Purchase APR
Intro Balance Trans. APR
APR as low as Annual Fee
0%* for up to 12 mo. 0%* for up to 12 mo. 8.49%* None
Click Here! Apply Here
Chase Platinum® Visa Card
  • 0% Intro APR for up to 12 months* on purchases and balance transfers
  • APR as low as 10.99% thereafter
  • Free travel services including Auto Rental Collision Damage Waiver and Worldwide Travel Accident Insurance
  • Platinum Visa® benefits
  • Free online account access
  • No annual fee
Intro Purchase APR
Intro Balance Trans. APR
APR as low as Annual Fee
0% for up to 12 mo. 0% for up to 12 mo. 10.99% None
Click Here! Apply Here
Capital One® No Hassle CashSM Rewards
  • 1% cash back on all purchases you make from day one
  • 14.9% APR on purchases and balance transfers
  • No limit on cash back and rewards won't expire for the life of your account
  • Request your cash back rewards whenever you want
  • For customers with excellent credit
  • No annual fee
Intro Purchase APR
Intro Balance Trans. APR
APR as low as Annual Fee
None None 14.9% None
Click Here! Apply Here
Discover® Open RoadSM Card
Save at the pump and everywhere else*
  • 0% Intro APR for 6 months on purchases, and 12 months on balance transfers
  • 5% Cashback Bonus® on gas and auto maintenance purchases
  • 5% to 20% Cashback Bonus® at top online retailers*
  • Up to 1% Cashback Bonus® on all other purchases
  • Unlimited cash rewards
  • Increase, even double, the value of your rewards when you redeem for gift cards from our 100 Cashback Bonus® Partners
  • No annual fee
Intro Purchase APR
Intro Balance Trans. APR
APR as low as Annual Fee
0% for 6 mo. 0% for 12 mo. 10.99%* None
Click Here! Apply Here
Blue Cash® from American Express
  • Get up to 5% cash back with unlimited cash rewards
  • Earn unlimited cash back
  • 0% introductory APR on purchases for 6 months
  • Low balance transfer rate - 4.99% fixed APR for the life of the balance
  • No annual fee
Intro Purchase APR
Intro Balance Trans. APR
APR as low as Annual Fee
0% for 6 mo. 4.99% with application 10.24% None
Click Here! Apply Here
Simmons First Visa Platinum
One of the lowest ongoing APRs in the nation
  • Fixed APR of 7.25%
  • No annual fee
  • Global acceptance
  • Travel insurance
  • Car rental loss/damage waver covering collision, theft and vandalism
  • Emergency cash and credit card replacement
  • Card issued by Simmons First National Bank
Intro Purchase APR
Intro Balance Trans. APR
APR as low as Annual Fee
None None 7.25% None
Click Here! Apply Here
Chase FreedomSM Credit Card
  • 3% Cash Back in your top 3 everyday spending categories (15 Categories earn triple rewards at the types of places you spend the most)
  • 1% cash back for every $1 you spend on all other purchases
  • Receive $50 after you make your first purchase

  • Receive an extra $50 each time you save and redeem $200 in rewards
  • No annual fee
Intro Purchase APR
Intro Balance Trans. APR
APR as low as Annual Fee
None None 14.99% None
Click Here! Apply Here
MERRILL+® Visa® Credit Card
  • Earn 1 point for every $1 spent on net retail purchases, and accrue unlimited Merrill pointsSM
  • Points can be redeemed for Merchandise, Travel, Gift Certificates, and more
  • Introductory 1.9% APR* for Cash Advance Checks and Balance Transfers through your first twelve billing cycles*
  • Outstanding Rewards Program - One of the best rewards cards available today with anytime, anywhere air rewards
  • Extraordinary Benefits - Receive unique perks and upgrades such as companion airline tickets and upgrades, airport lounge access, and 24/7 concierge
  • No annual fee
Intro Purchase APR
Intro Balance Trans. APR
APR as low as Annual Fee
None 1.9% for 12 mo.* 9.99% None
Click Here! Apply Here
Gold Delta SkyMiles® Credit Card
Special Offer! Get up to 17,500* Bonus SkyMiles®
  • 15,000 bonus miles after first purchase

  • Always Double Miles® on every eligible dollar you spend at supermarkets, drugstores, gas stations, and more
  • Earn one SkyMile for virtually every dollar you spend
  • 2,500 bonus miles for adding an Additional Cardmember with their application
  • Now you can redeem your miles for any Delta seat, any time at Delta.com. Pay with Miles is an exclusive new benefit for Gold Delta SkyMiles® Credit cardmembers that goes above and beyond to help ensure that your miles work the way you want them to
  • Pay for all or part of your fare with miles and put the rest on your card; start redeeming at just 10,000 miles
  • No annual fee for 1 year, a savings of $95
Intro Purchase APR
Intro Balance Trans. APR
APR as low as Annual Fee
None 9.99% for l.o.b.* 15.24% $95*
Click Here! Apply Here
American Express® Preferred Rewards Gold Card
  • Earn 10,000 Membership Rewards® bonus points after your first purchase with the card - redeemable for a $100 gift card

  • The Membership Rewards program — whatever you want to do, this is the rewards program that can help make it happen. Exciting travel, entertainment, shopping, and dining experiences are waiting for you.
  • Redeem reward points on 21 airlines
  • Gold Card Events — exclusive access to tickets for select concerts, shows, major sporting events, and more in cities nationwide
  • Global Assist® Plus Hotline and many more benefits included
  • No pre-set spending limit
Intro Purchase APR
Intro Balance Trans. APR
APR as low as Annual Fee
None None None $125*
Click Here! Apply Here
Citi® Platinum Select® / AAdvantage® World MasterCard®
  • Earn 25,000 American Airlines AAdvantage bonus miles after you make $750 in purchases within 4 months of becoming a cardmember
  • Earn 1 AAdvantage® mile for every $1 you spend on eligible purchases - up to 100,000 miles per year
  • Redeem AAdvantage miles with over 25 of the world’s top airlines, major car rental companies and hundreds of luxurious hotels worldwide
  • Balance transfer fee applies with this offer
  • No annual fee for 12 months
Intro Purchase APR
Intro Balance Trans. APR
APR as low as Annual Fee
None None 14.99% $85*
Click Here! Apply Here
Chase Free Cash RewardsSM Visa® Card
Earn points fast and choose how you want to receive your rewards
  • 1 point for every eligible dollar in purchases
  • 1,000 bonus points after your first purchase
  • Get your rewards with as few as 2,500 points
  • Choose from either a $25 check or a $25 gift card/certificate from leading national merchants for every 2,500 points earned
  • Intro 0% Fixed APR for up to 12 months*
  • No annual fee
Intro Purchase APR
Intro Balance Trans. APR
APR as low as Annual Fee
0% for up to 12 mo. 0% for up to 12 mo. 10.99%* None

Business Credit Cards For People With Excellent Credit

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Advanta Platinum Business Card with Cash Back
  • Earn up to 5% Cash Back*
  • 0% APR for 15 months on balance transfers
  • 7.99% fixed APR on balance transfers thereafter
  • 7.99% variable APR on purchases
  • Earn 5% Cash Back on gasoline and diesel fuel, computers, computer supplies, electronics and office supplies, utilities and telecommunications*
  • Earn up to 1% on all other purchases
  • Personalized card – your company name on the top of the card
  • No annual fee
Intro Purchase APR
Intro Balance Trans. APR
APR as low as Annual Fee
None 0%* for 15 mo. 7.99%* None
Click Here! Apply Here
Business Gold Rewards Card from OPENSM the small business team
Business ownership has become more rewarding
  • No limit to the number of Membership Rewards® points you can earn, plus up to 40,000 bonus points* in your first year
  • Points have no expiration date
  • Redeem points for top-tier rewards including travel, merchandise, office equipment, and gift cards for you or your employees
  • No finance charges
  • Discounts with FedEx, Delta®, Courtyard by Marriott®, and more
  • Automatic complimentary enrollment in the Membership Rewards program
  • No pre-set spending limit*
Intro Purchase APR
Intro Balance Trans. APR
APR as low as Annual Fee
None None None $125*
Click Here! Apply Here
Advanta Platinum Business Card with Cash Back OR Travel Rewards
Choose Your Rewards - Cash Back or Bonus Miles for Free Travel
  • Choice of 5% cash back or travel rewards*
  • 0% APR for 15 months on balance transfers, 7.99% fixed APR thereafter
  • 7.99% variable APR on purchases
  • No limit on earnings
  • Personalized card – your company name on the top of the card
  • No annual fee
Intro Purchase APR
Intro Balance Trans. APR
APR as low as Annual Fee
None 0% for 15 mo. 7.99%* None
Click Here! Apply Here
Platinum Business FreedomPass Credit Card
  • 5,000 point welcome bonus with first purchase

  • Earn 1 point for every dollar you spend
  • Redeem for savings on any flight, hotel, car rental or cruise
  • No blackout dates and no travel restrictions
  • OPEN Savings®: Automatic discounts with FedEx, Delta®, Courtyard by Marriott®, and more
  • Option to pay over time or pay in full
  • Fee-free Additional Cards
  • 0%* introductory APR for 12 months
  • No annual fee
Intro Purchase APR
Intro Balance Trans. APR
APR as low as Annual Fee
0% for 12 mo. 7.99% for l.o.b.* 9.99% None
Click Here! Apply Here
Advanta Platinum BusinessCard
Outstanding Value for your Business
  • 0% Intro APR* on balance transfers and purchases for 12 months
  • Up to $50,000 credit line
  • Free online account management
  • Personalized card – your company name on the top of the card
  • $0 fraud liability
  • No annual fee
Intro Purchase APR
Intro Balance Trans. APR
APR as low as Annual Fee
0% for 12 mo. 0% for 12 mo. 11.99% None
Click Here! Apply Here
Business Green Rewards Card
  • Receive 5,000 bonus points on your first purchase

  • No preset spending limit* or finance charges
  • Earn One Membership Reward point for virtually every dollar you spend with no limits and no expiration dates
  • Redeem points for top-tier rewards including travel, merchandise, office equipment, and gift cards for you or your employees
  • Automatic discounts at partners including JetBlue, Delta®, FedEx, Courtyard by Marriott®, and more
Intro Purchase APR
Intro Balance Trans. APR
APR as low as Annual Fee
None None None $95*
Click Here! Apply Here
CitiBusiness® Card
  • 0% APR on purchases and balance transfers for 12 months*
  • Business-size credit line
  • Free additional cards for employees with credit limits you set*
  • Savings on everyday business purchases
  • Quarterly and annual account summaries
  • Balance transfer fee applies with this offer
  • No annual fee
Intro Purchase APR
Intro Balance Trans. APR
APR as low as Annual Fee
0% for 12 mo. 0% for 12 mo. 7.99% None
Click Here! Apply Here
Chase Business Rebate Card
  • Introductory fixed 0% APR for up to 12 months on purchases and balance transfers*
  • Earn a full 3% cash back at restaurants, office supply stores, gas stations, building supply stores, hardware and home improvement centers
  • Earn 1% cash back for everything else
  • Visa Business Partner Advantage program
  • Travel accident insurance
  • No annual fee
Intro Purchase APR
Intro Balance Trans. APR
APR as low as Annual Fee
0% for up to 12 mo. 0% for up to 12 mo. 10.99% None
Click Here! Apply Here
The Chase Platinum Visa® Business Card
  • 0% APR for up to 12 months*
  • Visa Business Partner Advantage program - savings from leading retailers with special offers on computer equipment, office supplies and more
  • Travel and emergency assistance
  • Purchase security and extended protection
  • Travel Accident Insurance
  • Free online reporting
  • No annual fee
Intro Purchase APR
Intro Balance Trans. APR
APR as low as Annual Fee
0% for up to 12 mo. 0% for up to 12 mo. 8.99% None

Click Here to See More Business Card Offers

Information About Credit Cards for People with Good 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.

| Best Credit Card Offers With Online Applications | 0% APR Balance Transfer | Cash Back Cards |
| Low Interest Cards | Airline Miles & Travel Reward Credit Cards | Business Credit Cards |
| Gas Rebate Credit Cards | Car Rebate Credit Cards | Instant Approval Cards |
| Establish Credit, Credit Cards | Student Credit Cards | Prepaid Cards |