Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our content.

Best credit cards for excellent credit 2021

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

Updated . What changed?

Fact checked
Having excellent credit — that is, a credit score of 750 to 850 — certainly has its perks. Namely: you can take your pick of credit cards. 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

Blue Cash Preferred® Card from American Express logo
Finder Rating: 4.3 / 5

★★★★★

Credit recommended (670-850)
Apply now
on American Express's secure site
Rates & fees

670
Min. credit score
$95 ongoing
Annual fee
Up to 6%
Cash back
$300
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 $300 in statement credit once you spend $3,000 in your first 6 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.
  • No balance transfers. Amex totally removed the ability to perform balance transfers on this card.
Annual Fee $0 intro annual fee for the first year ($95 thereafter)
Purchase APR 0% intro for the first 12 months (then 13.99% to 23.99% variable)
Balance transfer APR N/A
Welcome offer $300 after spending $3,000 in the first 6 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
Terms apply to American Express benefits and offers.

Best travel card for excellent credit
Chase Sapphire Reserve®

Chase Sapphire Reserve® logo
Finder Rating: 4.6 / 5

★★★★★

Credit recommended (740-850)
Apply now
on Chase'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.
  • Steep annual fee. Of the cards on this list, the Chase Sapphire Reserve's $550 annual fee is among the highest.
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 credit card with a large welcome offer for excellent credit
The Platinum Card® from American Express

The Platinum Card® from American Express logo
Finder Rating: 4.4 / 5

★★★★★

Credit recommended (670-850)
Apply now
on American Express's secure site
Rates & fees

670
Min. credit score
$550
Annual fee
Up to 10x
Points
75,000
Points welcome offer
With the upgraded welcome offer, it’s hard to find a competitor card that beats the Amex Platinum Card’s value upon signup. Clearing both parts of the welcome offer nets a redemption value of between $2,250 and $4,500.
  • Welcome offer. Earn 75,000 bonus points after you spend $5,000 in the first 6 months when you open your account. Plus, earn 10x points at US supermarkets and US gas stations on up to $15,000 in combined purchases within the same period.
  • Reward points. Earn 5x points on flights and prepaid hotels booked directly through Amex Travel. All other purchases earn 1x points. Starting January 1, 2021, your 5x points on flights are capped on up to 500,000 annually, reverting to 1x points after.
  • Airline fee credit. Choose a qualifying airline and get $200 credit each year to cover incidental fees like checked bags or in-flight purchases.
  • High annual fee. This card's $550 annual fee is steeper than most.
Annual Fee $550
Purchase APR See Pay Over Time APR
Balance transfer APR N/A
Welcome offer 75,000 points after spending $5,000 in your first 6 months, plus 10x points at US gas stations and US supermarkets on up to $15,000 in combined purchases in the same timeframe
Rewards 10x points at US gas stations and US supermarkets on up to $15,000 combined in the first 6 months, 5x points on directly-booked flights or on flights and hotels on Amex Travel. 1x points on all other purchases. Starting January 1, 2021, your 5x points on flights will be capped on up to $500,000 annually (then 1x points).
Terms apply to American Express benefits and offers.

Best no-annual-fee card for excellent credit
Wells Fargo Propel American Express® Card

Wells Fargo Propel American Express® Card logo
Finder Rating: 4.4 / 5

★★★★★

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 14.49% to 24.99% applies.
Annual Fee $0
Purchase APR 0% intro for the first 12 months (then 14.49% to 24.99% variable)
Balance transfer APR 0% intro for the first 12 months (then 14.49% to 24.99% 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 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.
  • No rewards. This card lacks a welcome offer and doesn't earn cash back, points or miles.
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

While excellent credit means you can essentially take your pick of available cards, no credit card is perfect. Plenty of cards offer rewards and perks, but no card has it all — credit card providers have to make money, after all. You’ll need to decide what’s most important to you in a card and find a card that excels in that category. Here’s what to consider before you apply.

  • Review existing credit card debt.
    Some cards for excellent credit offer 0% introductory APRs. 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 travel 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® Amex, 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 Platinum Card from American Express.
  • Weigh annual fees against rewards programs.
    If a strict budget is the name of the game for you, a no-annual-fee card may be a practical fit. But keep in mind that the higher the annual fee, the better the perks tend to be. 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.
    Signup bonuses are designed to seal the deal for prospective customers, but they’re only valuable so long as you can meet the eligibility requirements. The sweeter the signup bonus, the higher the requirements tend to be, so make sure you can realistically meet the criteria before you apply.

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.

Frequently asked questions

More guides on Finder

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and finder.com Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site