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
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.
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.
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.
★★★★★
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 |
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) |
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 |
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 |
★★★★★
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 |
★★★★★
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 |
To choose the best cashback credit card for your situation, consider the following:
Excellent credit gives you access to almost any credit card you want. As an alternative to cashback cards, you can consider:
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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