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

Blue Cash Preferred® Card from American Express

• Earn a $200 statement credit after you spend $1,000 in purchases on your new card within the first 3 months.
• 6% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%) - that means spending $60 a week at U.S. supermarkets could earn over $180 back per year.
• 3% cash back at U.S. gas stations. 1% cash back on other purchases.
• You spoke, we listened. Over 1.6 million more places in the U.S. started accepting American Express® Cards in 2018.
• Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
• $95 annual fee.
• Terms apply.

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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.

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.

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• Blue Cash Preferred® Card from American Express: Best credit card for families
• Citi® Double Cash Card: Best credit card for unlimited cash back on all purchases
• Discover it® Cash Back: Best credit card for high welcome bonus
• Uber Visa Card: Best for dining and travel

Best credit card for families: Blue Cash Preferred® Card from American Express

Blue Cash Preferred® Card from American Express

• Earn a $200 statement credit after you spend $1,000 in purchases on your new card within the first 3 months.
• 6% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%) - that means spending $60 a week at U.S. supermarkets could earn over $180 back per year.
• 3% cash back at U.S. gas stations. 1% cash back on other purchases.
• You spoke, we listened. Over 1.6 million more places in the U.S. started accepting American Express® Cards in 2018.
• Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
• $95 annual fee.
• Terms apply.

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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 at US gas stations and at select US department stores.

You can also earn a welcome offer — and if you’re looking to consolidate your debt, an intro APR period is available.

• The perks

  • 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 and at select US department stores, 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 $200 bonus as a statement credit.
  • Intro APR period.
    Get a 0% intro APR period on balance transfers and purchases for 12 months following your account opening. A variable APR of 15.24% to 26.24% applies after that.
  • Entertainment access.
    Get access to ticket presales and events in cities near you.

• What to watch out for

  • Annual fee.
    The card costs $95 annually to own. To offset the fee, you would need to spend at least $30 per week on groceries. Everything else you spend above that is pure reward to your account.
  • Foreign transaction fee.
    If you travel abroad often, refrain from using this card if you want to avoid paying a fee of 2.7% of each transaction.
  • Penalty APR.
    A single late or returned payment is all it takes to pay a fee of up to $38 and incur a penalty APR of 29.99% variable. This APR lasts for a minimum of six months.

Best American Express card offers

Best credit card for unlimited cash back on all purchases: Citi® Double Cash Card

Citi® Double Cash Card

• Earn cash back when you make purchases
• Earn additional cash back when you pay off your card
• Intro APR on balance transfers
• No annual fee

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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.

• The perks

  • 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 15.74% to 25.74% applies.
  • Citi Private Pass.
    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.

• What to watch out for

  • Foreign transaction fee.
    Using this card abroad will incur a fee equal to 3% of each transaction.
  • Penalty APR.
    Try to pay on time. Otherwise, you’ll pay a fee and incur a variable penalty APR of up to 29.99%. You also risk losing your intro APR period on balance transfers.
  • Balance transfer limits.
    To get the intro APR period, complete your transfers within the first four months of your account opening.

Best credit card for high welcome bonus: Discover it® Cash Back

Discover it® Cash Back

• Earn accelerated cash back in rotating categories
• First year cashback match
• Free FICO credit score
• Ability to freeze your account

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If you value card bonuses, consider the Discover it® Cash Back card. Instead of the standard cash bonus, the card doubles all of the cash back you earn during your first 12 months of card membership, without any limit. Maxing out the 5% categories alone could net you $300 cash back.

• The perks

  • Cashback Match.
    At the end of your first year, Discover will match all cash back you earned. This means if you earned $500 in cash back for your first year, you’ll get a bonus of $500.
  • Cash back.
    Earn 5% cash back on quarterly rotating categories, such as gas, grocery stores, dining, wholesale clubs and Amazon.com purchases. Note that you’ll have to activate the bonus category every three months to earn at this rate. You’ll earn 1% in the bonus category if you don’t activate your rewards, and you’ll earn 1% on all other purchases.
  • Intro APR period.
    Get a 0% intro APR period on purchases and balance transfers for 14 months following your account opening. Once the intro period passes, your rate reverts to a variable 14.24% to 25.24%.
  • Free FICO score.
    Monitor your FICO score on your monthly statement or online for free.
  • No annual fee.
    There’s no annual fee to own the card or take advantage of its benefits.

• What to watch out for

  • Balance transfer limitations.
    To get the intro APR period, your transfers must post by a moving deadline based on account opening.
  • Activate 5% categories.
    You must activate the 5% categories each quarter to earn this rate. Otherwise, you’ll earn 1%.

Discover cash back categories 2018 – 2019

Best for dining and travel: Uber Visa Card

Uber Visa Card

• Rewards you for spending on dining and travel
• Easy-to-earn signup bonus
• No annual fee

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If you often dine out, travel or stream music and videos on the go, the Uber Visa Card might be for you. For a no-annual-fee card, you get one of the highest cashback rates on these categories, a decent signup bonus and an online subscription credit once you meet certain spending criteria.

• The perks

  • Cash back.
    Earn 4% cash back on restaurants, takeout, bars and Uber Eats; and 3% back on hotels, home rentals and airfare. On Uber rideshares, online shopping and video and music streaming services, you get 4% back. On all other purchases, get 1% back.
  • Signup bonus.
    Spend $500 on purchases during your first 90 days of card membership and earn a $100 bonus.
  • $50 subscription credit.
    If you spend $5,000 or more on purchases during a calendar year, you can earn a $50 credit for online subscription services. These can include Apple Music, Spotify, Google Music, Amazon Music, Netflix, HBO NOW, Amazon Prime and more.
  • No foreign transaction fees.
    You won’t pay any foreign transaction fees when you use this card outside of the US. And since it’s a Visa card, it’s more widely accepted than Discover or Amex cards.
  • No annual fee.
    Despite having generous cashback rates and additional bonuses, the card has no annual fee.

• What to watch out for

  • No intro APR period.
    If you want a long intro APR period on balance transfers and purchases, you’ll need to look for another card.

Compare cash back credit cards with no foreign transaction fees

Bottom line

With excellent credit, the doors to almost any credit card are wide open. 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.

Frequently asked questions

• Is there a minimum to redeem cash back?

  Some cards have no redemption minimum, while others have minimum of $25 or more.

• Which of these cards have no annual fee?

  • Uber Visa Card
  • Citi® Double Cash Card
  • Discover it® Cash Back

• Which of these cards is best for balance transfers?

  The Citi® Double Cash Card offers a 0% intro APR period on balance transfers for 18 months following your account opening. After that, a variable APR of 15.74% to 25.74% applies.

  The Blue Cash Preferred® Card from American Express and the Discover it® Cash Back also offer intro APR periods on balance transfers as well as purchases.