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Compare credit cards for excellent credit 2021

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.

Name Product Filter values Rewards Annual fee Purchase APR
Blue Cash Preferred® Card from American Express
Finder Rating: 4.3 / 5: ★★★★★
Blue Cash Preferred® Card from American Express
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 other purchases (redeem as statement credit)
$0 intro annual fee for the first year ($95 thereafter)
0% intro for the first 12 months (then 13.99% to 23.99% variable)
Earn a $300 statement credit after you spend $3,000 in purchases on your new card within the first 6 months. Having 6 months to earn a welcome offer is a rare benefit as most cards give you only 3. Terms apply, see rates & fees
Citi Simplicity® Card
Finder Rating: 4.4 / 5: ★★★★★
Citi Simplicity® Card
0% intro for the first 12 months (then 14.74% to 24.74% variable)
With an intro APR of 21 months, this card has one of the longest balance transfer offers on the market. Plus, no late fees and no annual fee.
Citi® Diamond Preferred® Card
Finder Rating: 4.6 / 5: ★★★★★
Citi® Diamond Preferred® Card
0% intro for the first 12 months (then 13.74% to 23.74% variable)

Best of Finder 2021

An impressive 21 months intro APR on balance transfers and purchases, as well as no annual fee make this one of the top 0% APR cards available.
Citi® Double Cash Card
Finder Rating: 3.8 / 5: ★★★★★
Citi® Double Cash Card
Up to 2% cash back on purchases (1% when you buy plus 1% as you pay)
13.99% to 23.99% variable
Earn up to 2% on every purchase with no annual fee. This is the highest flat-rate cashback card on the market.
Chase Freedom Unlimited®
Finder Rating: 4.7 / 5: ★★★★★
Chase Freedom Unlimited®
5% cash back on travel purchased through Chase, 5% on Lyft, 3% on dining and drugstores and 1.5% on all other purchases
0% intro for the first 15 months (then 14.99% to 23.74% 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.

Compare up to 4 providers

5 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 cashback card for excellent credit

Blue Cash Preferred® Card from American Express

Finder rating 4.3 / 5 ★★★★★

Apply now
on American Express's secure site
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.
Terms apply to American Express benefits and offers.
Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.

Best balance transfer card for excellent credit

Citi Simplicity® Card

Finder rating 4.4 / 5 ★★★★★

Apply now
on Citi's secure site
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. Like the name suggests, 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.

Best travel card for excellent credit

Chase Sapphire Reserve®

Finder rating 4.6 / 5 ★★★★★

See offer
on's secure site
Terms apply, see rates & fees
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 credit card with a large welcome offer for excellent credit

The Platinum Card® from American Express

Finder rating 4.4 / 5 ★★★★★

Apply now
on American Express's secure site
Terms apply, see rates & fees
With the upgraded welcome offer, it's hard to find a competitor card that beats the Amex Platinum Card's first year value. Clearing both parts of the welcome offer nets a redemption value of up to $7,000 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.
Terms apply to American Express benefits and offers.

What’s changed in 2021?

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.

  • 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.
  • 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.
  • 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®.
  • 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.
  • 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.
  • 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:

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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