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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.
Our pick for a cashback card for excellent credit
Compare cashback credit cards
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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.
Blue Cash Preferred® Card from American Express
- Get this card if: You look for best credit card for families.
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 consolidate your debt, an intro APR period is available.
Best American Express card offers
Citi® Double Cash Card
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.
Capital One® Savor® Cash Rewards Credit Card
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.
Compare cash back credit cards with no foreign transaction fees
How to compare cashback credit cards for excellent credit
To find the right cashback credit card, 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.
How we selected our top cards
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 2019
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.
The Uber Visa Card dropped from our list as best for dining with the October 2019 update as it lowered its rewards rate on dining from 4% to 3%. Also, you can only redeem your rewards for Uber cash.
Bottom line
With excellent credit, the doors to almost any credit card are wide open and cashback cards are just one of your many excellent credit choices. 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, look at other cashback credit cards to compare your options.
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