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Best credit cards for excellent credit 2020

Find the credit card that best suits your wallet.

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Our pick for excellent credit: Chase Sapphire Reserve®

Chase Sapphire Reserve® logo

50,000-point

Signup bonus after spending $4,000 in first 3 months

  • Signup bonus worth $750 with Chase Ultimate Rewards
  • $300 annual travel credit
  • Airport lounge access
  • Visa Infinite Concierge
See offer
Your credit card options are almost unlimited when you have excellent credit. But this can make choosing the right credit card a bit overwhelming. To narrow your options, consider factors such as your intention for the card and what kind of value you’re seeking.

We took all credit cards for people with excellent credit and compared their rewards program, signup bonus, intro APR period, annual fee and additional perks. We selected the cards that offered the best combination of these perks.

Best credit cards for excellent credit

Best travel card for excellent credit

Chase Sapphire Reserve®

Chase Sapphire Reserve® logo
Finder Rating: 4.6 / 5

★★★★★

Credit recommended (740-850)
See offer
on Creditcards.com's secure site
Rates & fees

740
Min. credit score
$550
Annual fee
Up to 10x
Points
50,000
Points welcome offer
The Chase Sapphire Reserve® could be the right choice for you if you travel often. It comes with a host of perks, including a generous signup bonus, accelerated points on dining and travel purchases worldwide, accelerated points on Lyft rides, an annual travel credit and more.
  • Signup bonus.
    Earn 50,000 bonus points once you spend $4,000 within your first 3 months of card membership. This is worth $750 when redeemed on travel through Chase Ultimate Rewards.
  • Reward points.
    Earn 3x points on travel purchases and purchases made at restaurants worldwide, and 10x points on Lyft rides until March 2022. Everything else you buy earns 1x points.
  • Travel credit. Get $300 travel credit each account anniversary year as reimbursement for your travel purchases. You also get up to $100 credit once every four years as reimbursement for your TSA PreCheck or Global Entry application fee.
Annual Fee $550
Purchase APR 16.99% to 23.99% variable
Balance transfer APR 16.99% to 23.99% variable
Welcome offer 50,000 points after spending $4,000 in the first 3 months
Rewards 10x points on Lyft rides, 3x points on dining and travel after earning your $300 travel credit and 1x points on all other purchases

Best no-annual-fee card for excellent credit

Wells Fargo Propel American Express® Card

Wells Fargo Propel American Express® Card logo
Credit recommended (670-850)
Read review
670
Min. credit score
$0
Annual fee
Up to 3x
Points
20,000
Points welcome offer
You can earn perhaps the highest signup bonus possible with a no-annual-fee card. Also, you get 3x points on a variety of categories, including dining, gas, travel and select streaming services.
  • Signup bonus. Earn 20,000 bonus points once you spend $1,000 in your first 3 months of card membership.
  • Reward points. Earn 3x points on rideshares and transit, eating out or ordering in, flights, fuel, hotels, homestays and car rentals and popular streaming services such as Netflix and Hulu. All other purchases earn 1x points.
  • Intro APR period. Get 0% intro APR period on balance transfers and purchases during your first 12 months when you open your account. After that, a variable APR of 13.99% to 25.99% applies.
Annual Fee $0
Purchase APR 0% intro for the first 12 months (then 13.99% to 25.99% variable)
Balance transfer APR 0% intro for the first 12 months (then 13.99% to 25.99% variable)
Welcome offer 20,000 points after spending $1,000 in the first 3 months
Rewards 3x points on dining, gas, transit, travel and streaming and 1x points on all other purchases

Best cashback card for excellent credit

Blue Cash Preferred® Card from American Express

Blue Cash Preferred® Card from American Express logo
Finder Rating: 4 / 5

★★★★★

Credit recommended (670-850)
Read review
Rates & fees

670
Min. credit score
$95
Annual fee
Up to 6%
Cash back
$250
Welcome offer
This card is great for families as you get the highest cashback rate on purchases made at US supermarkets and US streaming services. In addition, you get to earn accelerated cash back on purchases made at US gas stations and on transit purchases.
  • Welcome offer. Earn $250 in statement credit once you spend $1,000 in your first 3 months of account opening.
  • Cash back. Earn 6% cash back on select US streaming services, and at US supermarkets on up to $6,000 annually, after that 1% cash back applies. Earn 3% back at US gas stations and transit, including taxis, rideshares, buses, trains, parking and tolls. All other purchases earn 1% cash back.
  • Intro APR period. Take advantage of a 12 months intro period of 0% APR on purchases starting from the day you open your account. A variable APR of 13.99% to 23.99% applies thereafter.
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

Best balance transfer card for excellent credit

Citi Simplicity® Card

Citi Simplicity® Card logo
Finder Rating: 4.4 / 5

★★★★★

Credit recommended (670-850)
Read review
670
Min. credit score
$0
Annual fee
n/a
Rewards
n/a
Welcome offer
The Citi Simplicity® Card could be worth considering if you're looking to pay off your credit card debt with a long intro APR period on balance transfers. This card also has no late payment fees and no annual fees.
  • Intro APR period. Get 18 months of 0% intro APR period on balance transfers made within your first 4 months of account opening. Also, get 18 months of 0% intro APR period on purchases. After these intro periods expire, your rate reverts to variable 14.74% to 24.74%.
  • No late payment fees. The card waives the late payment fee and the penalty APR.
  • No annual fee. Save money without paying an annual fee.
Annual Fee $0
Purchase APR 0% intro for the first 18 months (then 14.74% to 24.74% variable)
Balance transfer APR 0% intro for the first 18 months (then 14.74% to 24.74% variable)
Welcome offer N/A
Rewards N/A
The information about Citi Simplicity® Card has been collected independently by Finder and and has not been reviewed or provided by the issuer.

How to choose the best credit cards for excellent credit

A credit score designed for consumers with excellent credit means you should expect an assortment of favorable perks and benefits as part of the card’s package. To find the right card for your needs, consider the following:

  • Do you want an intro APR?
    Many cards for excellent credit offer an intro APR on purchases and occasionally balance transfers. An intro APR can prove useful if you need to make some big purchases and want some leeway to pay them off, such as around the holidays.
  • Do you travel often?
    There is a great variety of travel rewards cards available for those with excellent credit. If you travel often, a travel rewards card could be one of your best choices for squeezing ongoing value out of your card.
  • Do you want the highest rewards rate on everyday purchases?
    If you’re not much a traveler, a cashback card can help you earn on your everyday purchases.
  • Do you want a no-annual-fee card?
    Many of the most popular credit cards for excellent credit require an annual fee. Typically, this annual fee is commensurate with the perks or rewards you can earn with the card. Weigh your spending habits against this annual fee when choosing a card. A no-annual-fee card can offer good rewards while helping you keep costs low, even if it probably won’t wow you with its features.
  • Do you want a signup bonus? Credit cards for excellent credit tend to offer the most lucrative signup bonuses available. Note that the spending requirements you’ll need to reach to gain the bonus are also higher as a result.

Alternatives to credit cards for excellent credit

If you don’t have excellent or good credit, consider avoiding top-tier cards right now. Consider these options instead:

  • Cards for fair credit. Secured and store cards are a great choice. Many issuers will be willing to work with individuals with fair credit.
  • Cards for no credit. Secured cards are also valid picks here. You might also find unsecured products from providers that don’t require credit history, such as the Petal® Visa® Credit Card and Deserve® Classic Card. If you’re a college student, consider a student credit card.

Compare credit cards for excellent credit

Name Product Welcome offer Rewards Annual fee Filter values
Citi® Double Cash Card
N/A
Up to 2% cash back on purchases (1% when you buy plus 1% as you pay)
$0
This one of the most valuable flat cashback cards. It comes with 2% cash back (1% when you buy plus 1% when you pay) and 18 months to pay off transfers.
CardMatch™ from creditcards.com
See terms
See terms
See terms
Use the CardMatch tool to find cards you're likely to qualify for with your credit score, without a hard pull on your credit.
Citi® Diamond Preferred® Card
N/A
N/A
$0
Long 18 months intro APR periods on purchases and balance transfers. Plus Citi Entertainment℠ for deals on dining and going out.
Citi Rewards+℠ Card
Earn 15,000 points after spending $1,000 in the first 3 months
Earn 2x points at supermarkets and gas stations on up to $6,000 annually, then 1x points after that and on all other purchases
$0
Get rewards on gas and groceries with no annual fee. Ideal for everyday use, it's the only card that rounds purchases up to the nearest 10 points.
Chase Sapphire Preferred® Card
60,000 points after spending $4,000 in the first 3 months
5x points on Lyft, 2x points on travel and dining and 1x points on all other purchases
$95
This popular travel card's signup bonus is worth up to $750. Get even more value out of your travel, dining, and Lyft rewards by transferring them to miles.
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Bottom line

With an excellent credit score, you can choose almost any credit card you want. But before you do, make sure the card meets your financial needs and goals. Consider factors such as the card’s reward structure, annual fee and signup bonus.

If if you’re looking for something different from what these cards offer, compare other credit card options until you find one that suits your financial needs.

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