Best cashback credit cards for excellent credit | finder.com
cashback (1) (1)

Best cash back credit cards for excellent credit

We value our editorial independence, basing our comparison results, content and reviews on objective analysis without bias. But we may receive compensation when you click links on our site. Learn more about how we make money from our partners.

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.
Read less
Read more
See Rates & Fees
Promoted

Compare cashback credit cards

Name Product Filter values Annual Fee APR for Purchases (Purchase Rate) Intro APR for Balance Transfer
$0
17.24% to 25.99% variable
0% for the first 15 months (then 17.24% to 25.99% variable)
0% intro APR for 15 months from account opening on purchases and balance transfers.
$0
17.24% to 25.99% variable
0% for the first 15 months (then 17.24% to 25.99% variable)
0% intro APR for 15 months from account opening on purchases and balance transfers.
$95
15.24% to 26.24% variable
0% for the first 12 months (then 15.24% to 26.24% variable)
Earn $200 bonus cash back after you spend $1,000 on purchases in the first 3 months. Rates & Fees
$0
15.24% to 26.24% variable
0% for the first 15 months (then 15.24% to 26.24% variable)
Earn a $150 bonus statement credit after you spend $1,000 on purchases in the first 3 months. Rates & Fees
$0
15.24% to 26.24% variable
0% for the first 15 months (then 15.24% to 26.24% variable)
Earn a $150 statement credit after you spend $1,000 or more in purchases with your new card within the first 3 months of card membership. Rates & Fees

Compare up to 4 providers

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.

Jump to …

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.
Read less
Read more
See Rates & Fees
Promoted
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.

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
Read less
Read more
Promoted
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.

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
Read less
Read more
Promoted
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.

Discover cash back categories 2018 – 2019

Best for dining and travel: Uber Visa Card

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.

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 Uber Visa Card might suit you best if you make frequent travel and dining purchases.
  • Do you spend fairly evenly across categories? Consider the flat-rate Citi® Double Cash Card.
  • Do you value welcome offers more than anything else? The Discover it® Cash Back card offers what’s potentially the highest welcome offer of any no-annual-fee cashback credit card. But the amount you get depends on how much you spend during your first year of card membership.

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

Was this content helpful to you? No  Yes

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site