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Compare credit cards for excellent credit 2022

With options aplenty, narrow your choices by rewards programs and perks.

Compare credit cards for excellent credit using our table. To narrow your search select "Choose filters" and find products that fit your credit range and have features that will benefit you most.

1 - 6 of 6
Name Product Filter values Rewards Annual fee Purchase APR
Capital One Venture X Rewards Credit Card
Finder Rating: 4.6 / 5: ★★★★★
Capital One Venture X Rewards Credit Card
2x miles on every purchase, every day, 10x miles on hotels and rental cars booked through Capital One Travel, 10x miles when you book on Turo, the world’s largest car sharing marketplace, through May 16, 2023, 5x miles on flights booked through Capital One Travel
$395
18.49% - 25.49% variable
Capital One's premium luxury travel card, featuring airport lounge access at Capital One Lounge and 1,300+ Priority Pass lounges.
PenFed Power Cash Rewards Visa Signature® Card
PenFed Power Cash Rewards Visa Signature® Card
2% cash back for all PenFed Honors Advantage members and 1.5% cash back on all purchases
$0
15.99% to 17.99% variable
2% cash back for all PenFed Honors Advantage members and 1.5% cash back on all purchases made with your card.
Capital One Venture Rewards Credit Card
Finder Rating: 4.4 / 5: ★★★★★
Capital One Venture Rewards Credit Card
2x miles on every purchase, every day, 5x miles on hotels and rental cars booked through Capital One Travel, 5x miles when you book on Turo, the world’s largest car sharing marketplace, through May 16, 2023
$95
17.49%, 22.49% or 25.49% variable
Earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months ​from account opening.
Chase Freedom Unlimited®
Finder Rating: 4.7 / 5: ★★★★★
Chase Freedom Unlimited®
3% on dining at restaurants, including takeout and eligible delivery services, 3% on drugstore purchases, 5% on travel purchased through Chase Ultimate Rewards®, Unlimited 1.5% cash back on all other purchases
$0
0% intro for the first 15 months (then 15.74% to 24.49% variable)
This solid 1.5% cashback card gets even better with the addition of up to 5% back in categories like travel, drug stores and dining.
Chase Sapphire Reserve®
Finder Rating: 4.6 / 5: ★★★★★
Chase Sapphire Reserve®
5x points on flights and 10x points on hotels and car rentals through Chase Ultimate Rewards, 3x points on other travel after earning your $300 travel credit, 10x points on Lyft rides, 10x points on Chase Dining through Ultimate Rewards, 3x points on other dining and 1x points on all other purchases
$550
17.74% to 24.74% variable
Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards®. For example $900 points are worth $900 toward travel
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4 best credit cards for excellent credit

Having excellent credit — that is, a credit score of 750 to 850 — certainly has its perks. Namely, it greatly increases your available credit card options, as you’re unlikely to find one that you won’t qualify for. To help you find the ideal card for your finances and lifestyle, we curated a collection of cards for people with excellent credit that offer some of the best bonuses and features on the market, including 0% intro APRs, signup bonuses, annual fees, cashback programs, travel benefits and more.

Best travel card for excellent credit

Chase Sapphire Reserve®

Finder rating 4.6 / 5 ★★★★★

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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, and was recently revamped with some of the strongest travel rewards in the industry. Of course, the Sapphire Reserve has numerous other travel perks and features, including an annual $300 travel credit, complimentary Priority Pass membership, a year of Lyft Pink and DashPass, concierge service, a $100 Global Entry or TSA PreCheck statement credit every 4 years, and more. Using these perks is essential to making up for - and exceeding - the cost of the card.

Best cashback card for excellent credit

Blue Cash Preferred® Card from American Express

Finder rating 4.3 / 5 ★★★★★

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Terms apply, see rates & fees
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 as statement credit on purchases made at US gas stations and on transit purchases.

Best credit card with a large welcome offer for excellent credit

The Platinum Card® from American Express

Finder rating 4.4 / 5 ★★★★★

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Terms apply, see rates & fees
It's hard to find a competitor card that beats the Amex Platinum Card's first year value. Clearing the welcome offer nets a redemption value of up to $2,000 according to our valuation. The Amex Platinum Card is also one of the leading heavy hitters on the market when it comes to travel benefits. You can enjoy benefits including an annual $200 airline fee credit after enrollment, an annual $200 hotel credit, Centurion Lounge access, a CLEAR credit and more. Use these perks to earn even more value on your card and easily cover the cost of the annual fee.

Best balance transfer card for excellent credit

Citi® Diamond Preferred® Card

Finder rating 4.6 / 5 ★★★★★

The Citi® Diamond Preferred® Card is one of the top cards on the market for balance transfers thanks to its robust intro period. This card also has no late payment fees and no annual fees. There's little else to the card in terms of features and perks, but when you're focused on paying down an existing debt, sometimes it's good to keep things simple.

What’s changed in 2022?

The Blue Cash Preferred no longer offers a 0% intro APR period on balance transfers. Despite that, this is still one of the strongest cashback cards you can find.

6 factors to consider when choosing the best credit card for excellent credit

While excellent credit means you can essentially take your pick of available cards, no credit card is perfect. Here’s what to consider before you apply.

  1. Review existing credit card debt. If you have an existing credit card balance, consider a card with an intro APR on balance transfers. Or, if you have a big purchase on the horizon, look for a card that offers an intro APR on purchases.
  2. Take stock of how often you travel. If you frequently take to the skies, explore cards that offer airfare perks, like the $200 airline fee credit offered by The Platinum Card® from American Express.
  3. Analyze your spending habits. Most cards for excellent credit offer some form of points, miles or cash back for spending. The question is: where do you tend to spend the most? If you’ve got a big family to buy for, a card that rewards supermarket purchases, like the Blue Cash Preferred® Card from American Express, could be your best bet. If you’re a foodie that enjoys eating out, consider a card that rewards restaurant spending, like the Chase Sapphire Reserve®.
  4. Envision the perks. At the end of the day, you want a card you’re excited to use, and card providers offer all kinds of perks to entice potential customers, from $0 DoorDash delivery fees with the Chase Sapphire Reserve® to early access to presale event tickets for those with the Amex Platinum Card.
  5. Weigh annual fees against rewards programs. Low- and no-annual fee cards work well for those looking to cut costs, but if you want a card that generously gives back, consider a card with an annual fee.
  6. Consider the eligibility criteria of the signup bonus. The sweeter the signup bonus, the higher the requirements tend to be, so make sure you can realistically meet the criteria before you apply.

3 alternatives to credit cards for excellent credit

If you don’t have excellent credit, don’t fret. There are plenty of card options for all types of applicants:

  1. Cards for fair credit. There are numerous cards for fair credit, including the Petal® 2 "Cash Back, No Fees" Visa® Credit Card.
  2. Cards for no credit.If you’re seeking a credit card for poor or no credit, secured and store cards may be a practical fit — like the Discover it® Secured Card.
  3. Cards for students. As long as you’re over the age of 18, have a Social Security number and can prove that you’re a student, you could be eligible for a student credit card. These cards are designed to help students build up their credit history and some, like the Deserve® Edu Card, are even open to international students.

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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