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Best cash back credit cards for excellent credit

Put your high credit score to use with these cards.

Last updated: 18 February 2020

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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 $250 statement credit after you spend $1,000 in purchases on your new card within the first 3 months.
NEW 6% cash back on select U.S. streaming subscriptions.
NEW 3% cash back on transit including taxis/rideshare, parking, tolls, trains, buses and more.
6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). 3% cash back at U.S. gas stations. 1% cash back on other purchases.
Over 3 million more places in the U.S. started accepting American Express® Cards in 2017 and 2018.
Low intro APR: 0% for 12 months on purchases and balance transfers, then a variable rate, currently 14.49% to 25.49%
$95 annual fee.
Terms apply.

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Compare cashback credit cards

Name	Welcome offer	Rewards	Annual fee
Blue Cash Everyday® Card from American Express	$150 after spending $1,000 in the first 3 months	2% at US gas stations and select US department stores, 3% at US supermarkets on up to $6,000 per year, then 1% after that and on all other purchases	$0	Earn a $150 bonus statement credit after you spend $1,000 on purchases in the first 3 months. Rates & fees	Apply now View details	Compare	loading Fetching your data...
Capital One® Quicksilver® Cash Rewards Credit Card	$150 cash back after spending $500 in the first 3 months	1.5% cash back on all purchases	$0	Earn unlimited 1.5% cash back on every purchase, every day.	See offer View details	Compare	loading Fetching your data...
CardMatch™ from creditcards.com	See terms	See terms	See terms	Can't decide on a card? Get personalized credit card offers with CardMatch™.	See offer View details	Compare	loading Fetching your data...
Blue Cash Preferred® Card from American Express	$250 after spending $1,000 in the first 3 months	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	$95	6% cash back at US supermarkets. Rates & fees	Apply now View details	Compare	loading Fetching your data...
Chase Freedom Unlimited®	$150 after spending $500 in the first 3 months	1.5% cash back on all purchases	$0	Earn a $150 signup bonus after spending $500 in the first 3 months from account opening.	See offer View details	Compare	loading Fetching your data...
TD Cash Credit Card	$150 after spending $500 in the first 90 days	3% on dining, 2% at grocery stores and 1% on all other eligible purchases	$0	Earn $150 cash back when you spend $500 within 90 days after account opening.	Apply now View details	Compare	loading Fetching your data...
Petal® Visa® Credit Card	N/A	Up to 10% cash back from select merchants, on other purchases earn 1% back, 1.25% after six on-time payments and 1.5% after 12 on-time payments	$0	Build your credit with rewards and no fees: Apply if you're new to credit or have a fair to good score.	Apply now View details	Compare	loading Fetching your data...

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Compare cashback credit cards
Best cashback credit cards for excellent credit
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Frequently asked questions

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.

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Blue Cash Preferred® Card from American Express
Citi® Double Cash Card
Capital One® Savor® Cash Rewards Credit Card

Blue Cash Preferred® Card from American Express

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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.

- 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 balance transfers and purchases for 12 months following your account opening. A variable APR of 14.49% to 25.49% applies after that.
- Entertainment access.
  Get access to ticket presales and events in cities near you.

Best American Express card offers

Citi® Double Cash Card

The information about Citi® Double Cash Card has been collected independently by Finder and and has not been reviewed or provided by the issuer.

Get this card if: You look for unlimited cash back on all purchases.

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 15.49% to 25.49% 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.

Capital One® Savor® Cash Rewards Credit Card

Get this card if: You spend in dining and entertainment.

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.

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 2020

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 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.

Frequently asked questions

Rates and fees

See rates and fees for Blue Cash Preferred® Card from American Express

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Kliment Dukovski

Kliment Dukovski is a credit cards writer. He's written over 600 articles to help readers find and compare the best credit cards. Kliment has also written on money transfers, home loans and more. Previously, he ghostwrote guides and articles on foreign exchange, stock market trading and cryptocurrencies.

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Best cash back credit cards for excellent credit

Put your high credit score to use with these cards.

Our pick for a cashback card for excellent credit