Our pick if you have excellent credit: Blue Cash Preferred® Card from American Express
Up to 6%
Cash back
- Industry-leading cash back on everyday purchases
- Large welcome offer for a cashback card
- Intro APR on purchases
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Best cash back credit cards for excellent credit
Put your high credit score to use with these cards.
With an excellent credit score, your credit card choices are nearly limitless. To find the right one, consider where you spend the most, how much you value welcome offers and whether or not you need an intro APR period.
Finder Rating: 4.3 / 5
Credit recommended (670-850)
Apply now
on American Express's secure site
Rates & fees
Finder Rating: 4.7 / 5
Credit recommended (670-850)
Apply now
on Chase's secure site
Rates & fees
Finder Rating: 4.7 / 5
Credit recommended (670-850)
Apply now
on Chase's secure site
Rates & fees
When choosing our top picks for cashback cards for excellent credit, we looked at a number of card features across available cards, including welcome offer value, cashback reward categories, cashback per dollar spent, annual fee, intro 0% APRs and other factors a consumer might consider in a cashback card. The cards with exemplary performance in one or several of these areas or that fulfilled a certain niche earned a spot on our highlights.
What’s changed in 2021?
The Fidelity® Rewards Visa Signature® Card was a strong contender for the unlimited cash back on all purchases category. It offers the same cashback rate as the Citi Double Cash, plus it comes with more redemption options for your earnings. However, the Double Cash remains a top pick due to its long intro APR period.
Best cashback credit cards for excellent credit
Depending on which card you choose, you could earn accelerated cash back on groceries, gas, travel or dining. And in most cases you won’t pay an annual fee.
Quick look to best cashback cards for excellent credit
Blue Cash Preferred® Card from American Express
★★★★★
670
Min. credit score
Min. credit score
$95
Annual fee
Annual fee
Up to
6%
Cash back
Cash back
$250
Welcome offer
Welcome offer
Families that spend at least $100 per week on groceries will find the Blue Cash Preferred® Card from American Express to be a valuable addition to their wallets. The card lets you earn the highest cashback rate at US supermarkets, plus you get a decent cash back rate at US gas stations. The new earning categories of streaming services and transit purchases only sweeten the deal. You can also earn a welcome offer — and if you're looking to make a large purchase and pay it off without interest, an intro APR period is available.
- Cash back. Earn 6% back on up to $6,000 annually in purchases made at US supermarkets, and 1% back after that. Also, earn 3% back on purchases made at US gas stations, 6% on select US streaming services, 3% on transit purchases, and 1% back on all other purchases. Wholesale club and superstore purchases won't count towards the 6% or 3% categories.
- Welcome offer. Spend $1,000 on purchases within your first 3 months of card membership to earn a $250 bonus as a statement credit.
- Intro APR period. Get a 0% intro APR period on purchases for 12 months following your account opening. A variable APR of 13.99% to 23.99% applies after that.
- Entertainment access. Get access to ticket presales and events in cities near you.
| Annual Fee | $95 |
|---|---|
| Purchase APR | 0% intro for the first 12 months (then 13.99% to 23.99% variable) |
| Balance transfer APR | N/A |
| Welcome offer | $250 after spending $1,000 in the first 3 months |
| Rewards | 6% on select US streaming services, 3% on transit and US gas stations, 6% at US supermarkets on up to $6,000 annually, then 1% after that and on all other purchases |
Citi® Double Cash Card
740
Min. credit score
Min. credit score
$0
Annual fee
Annual fee
Up to
2%
Cash back
Cash back
n/a
Welcome offer
Welcome offer
The Citi® Double Cash Card can be a great choice if you don’t spend much on any particular category. On every purchase you make, you earn flat cash back. Plus, you get one of the longest intro APR periods on balance transfers, which can be ideal if you’re looking to consolidate your debt.
- Cash back. Every time you make a purchase, earn 1% back. Earn an additional 1% back when you pay your balance for double cash back.
- Intro APR period on balance transfers. Use 18 months following your account opening of 0% intro APR on balance transfers. After the intro period passes, a variable APR of 13.99% to 23.99% applies.
- Citi Entertainment. Get special access when you want to buy presale tickets or VIP packages for concerts, sports events, dining and more.
- No annual fee. You get to earn cash back and enjoy perks without paying an annual fee.
| Annual Fee | $0 |
|---|---|
| Purchase APR | 13.99% to 23.99% variable |
| Balance transfer APR | 0% intro for the first 18 months (then 13.99% to 23.99% variable) |
| Welcome offer | N/A |
| Rewards | Up to 2% cash back on purchases (1% when you buy plus 1% as you pay) |
Citi Rewards+â„ Card
740
Min. credit score
Min. credit score
$0
Annual fee
Annual fee
Up to
2x
Points
Points
15,000
Points welcome offer
Points welcome offer
The Citi Rewards+â„ Card is an excellent choice for regular everyday spending thanks to it's rounding feature. No matter how much you spend, Citi will round your point earnings to the nearest 10. Combine this with a solid signup bonus and the ability to earn back points upon redemption and you have a strong supplementary cashback card.
- Cash back. Earn 2x points at supermarkets and gas stations for the first $6,000 in combined spending annually. Earn 1x points on everything else. You can redeem these points as cash back or on other rewards.
- Point rounding. Citi will round your point earnings on each purchase to the next highest 10.
- Signup bonus. Earn 15,000 ThankYou points after you spend $1,000 in your first 3 months of account opening.
- No annual fee. You get to earn cash back and enjoy perks without paying an annual fee.
- Foreign transaction fees. You'll pay a 3% fee on purchases made abroad.
- Penalty APR. Miss payments and you could get hit with a penalty APR of up to 29.99% variable.
| Annual Fee | $0 |
|---|---|
| Purchase APR | 0% intro for the first 15 months (then 13.49% to 23.49% variable) |
| Balance transfer APR | 0% intro for the first 15 months (then 13.49% to 23.49% variable) |
| Welcome offer | Earn 15,000 points after spending $1,000 in the first 3 months |
| Rewards | Earn 2x points at supermarkets and gas stations on up to $6,000 annually, then 1x points after that and on all other purchases |
Capital One® Savor® Cash Rewards Credit Card
670
Min. credit score
Min. credit score
$95
ongoing
Annual fee
Annual fee
Up to
8%
Cash back
Cash back
$300
Welcome offer
Welcome offer
If you often dine out and go to live events, the Capital One® Savor® Cash Rewards Credit Card might be for you. You get one of the highest cashback rates on these categories, a solid signup bonus and no foreign transaction fees for purchases made abroad or online at foreign retailers.
- Cash back. Earn 4% cash back on dining and entertainment purchases, 2% cash back at grocery stores and 1% cash back on everything else you buy. Also, you get to earn 8% cash back on sporting events purchases from Vivid Seats until May 2020.
- Signup bonus. Earn $300 bonus cash back once you spend $3,000 in your first 3 months of card membership.
- No penalty APR. In case you miss a payment, you'll only pay your your standard interest rate.
- No foreign transaction fees. You won't pay any foreign transaction fees when you use this card outside of the US.
| Annual Fee | $0 intro annual fee for the first year ($95 thereafter) |
|---|---|
| Purchase APR | 15.99% or 24.99% variable |
| Balance transfer APR | 15.99% or 24.99% variable |
| Welcome offer | $300 after spending $3,000 in the first 3 months |
| Rewards | 8% cash back with Vivid Seats, 5% on Uber Eats, 4% on dining and entertainment, 2% at grocery stores and 1% on all other purchases |
Chase Freedom Unlimited®
★★★★★
670
Min. credit score
Min. credit score
$0
Annual fee
Annual fee
Up to
5%
Cash back
Cash back
$200
Welcome offer
Welcome offer
Looking for a flat cashback card with opportunities for accelerated earning? The updated Chase Freedom Unlimited® does just that. You'll earn the flat cash back the card always offered as well as accelerated earning in travel through the Chase Travel Portal, dining and drugstores.
- Cash back. Earn 1.5% cash back on all purchases. You'll also earn 5% back on purchases made through the Chase Travel Portal, 3% back on dining, including delivery and takeout, and drugstores.
- Signup bonus. Earn $200 bonus cash back once you spend $500 in your first 3 months of card membership. You'll also earn 5% back on grocery store purchases for your first year on up to in spending.
- Intro APR. Enjoy a 0% intro APR on purchases for the first 15 months, reverting to 14.99% to 23.74% variable.
- No annual fee. You won't pay an annual fee to use this card.
- No balance transfer APR. If you want an intro period on balance transfers you'll need to look elsewhere.
| Annual Fee | $0 |
|---|---|
| Purchase APR | 0% intro for the first 15 months (then 14.99% to 23.74% variable) |
| Balance transfer APR | 14.99% to 23.74% variable |
| Welcome offer | $200 after spending $500 in the first 3 months |
| Rewards | 5% cash back on travel purchased through Chase, 5% on Lyft, 3% on dining and drugstores and 1.5% on all other purchases |
Chase Freedom Flexâ„
★★★★★
670
Min. credit score
Min. credit score
$0
Annual fee
Annual fee
Up to
5%
Cash back
Cash back
$200
Welcome offer
Welcome offer
The Chase Freedom Flexâ„ is the category alternative to the Freedom Unlimited and a new update for the old Chase Freedom. You can earn on the same rotating categories as before and also dip into accelerated earning in travel through the Chase Travel Portal, dining and drugstores.
- Cash back. Earn 5% cash back on up to $1,500 each quarter in rotating categories, then 1%. You'll also earn 5% back on purchases made through the Chase Travel Portal, 3% back on dining, including delivery and takeout, and drugstores.
- Signup bonus. Earn $200 bonus cash back once you spend $500 in your first 3 months of card membership.
- Intro APR. Enjoy a 0% intro APR on purchases for the first 15 months, reverting to 14.99% to 23.74% variable.
- No annual fee. You won't pay an annual fee to use this card.
- No balance transfer APR. If you want an intro period on balance transfers you'll need to look elsewhere.
| Annual Fee | $0 |
|---|---|
| Purchase APR | 0% intro for the first 15 months (then 14.99% to 23.74% variable) |
| Balance transfer APR | 14.99% to 23.74% variable |
| Welcome offer | $200 after spending $500 in the first 3 months |
| Rewards | 5% back in rotating categories up to $1,500 combined each activated quarter (then 1%), 5% on travel purchased through Chase, 3% on dining and drugstores, and 1% on all other purchases |
How to choose the best cashback credit cards for excellent credit
To choose the best cashback credit card for your situation, consider the following:
- Do you spend a lot on a particular category? For groceries and gas, the Blue Cash Preferred® Card from American Express could be the right choice. The Capital One® Savor® Cash Rewards Credit Card might suit you best if you make frequent dining and entertainment purchases.
- Do you spend fairly evenly across categories? Consider the flat-rate Citi® Double Cash Card.
Alternatives to cashback credit cards for excellent credit
Excellent credit gives you access to almost any credit card you want. As an alternative to cashback cards, you can consider:
- Points cards. Some credit cards earn points on your purchases instead of cash back. This can sometimes be a better option if you prefer to redeem your points for a variety of rewards including travel, merchandise, gift cards and cash back.
- Travel cards. A number of travel credit cards let you earn accelerated points on everyday purchases like groceries, gas and dining. The cool thing about these cards is that you can redeem your points for cash as well as travel. And in this case, redeeming points for travel is often the more valuable option.
Compare cashback credit cards
Bottom line
With excellent credit, the doors to almost any credit card are wide open and cashback cards are just one type of the best cards you can get with excellent credit. Depending on your spending habits and needs, your choices include flat cash back on all purchases, accelerated earning on groceries and gas, a card ideal for travel and dining or a card with rotating categories and a generous welcome offer.
But if you don’t like any of these cards, check out our list of the best cashback credit cards to compare your options.
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