USCCF-woman-shopping-online-featured1

Best credit cards for excellent credit

We value our editorial independence, basing our comparison results, content and reviews on objective analysis without bias. But we may receive compensation when you click links on our site. Learn more about how we make money from our partners.

Find the credit card that best suits your wallet.

With excellent credit, you have almost unlimited credit card options. 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.

Compare credit cards for excellent credit

Name Product Welcome offer Rewards Annual fee Filter values
$250 after spending $1,000 in the first 3 months
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
$95
Earn $250 bonus cash back after you spend $1,000 on purchases in the first 3 months. Rates & fees
50,000 bonus miles after spending $3,000 in the first 3 months
2x miles on all purchases and 10x miles at hotels.com/venture
$0 intro annual fee for the first year ($95 thereafter)
Earn 50,000 bonus miles after spending $3,000 on purchases within the first 3 months from account opening.
60,000 points after spending $5,000 in your first 3 months
5x points on directly-booked flights or on flights and hotels on Amex Travel. 1x points on all other purchases
$550
Get 5x Membership Rewards® points on flights booked directly with airlines or with American Express Travel and 5x points on eligible hotels booked on amextravel.com. Rates & fees
60,000 points after spending $4,000 in the first 3 months
2x points on travel and dining and 1x points on all other purchases
$95
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months.
50,000 points after spending $4,000 in the first 3 months
3x points on dining and travel after earning your $300 travel credit and 1x points on all other purchases
$450
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months

Compare up to 4 providers

Best credit cards for excellent credit

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

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.

Blue Cash Preferred® Card from American Express: Best for families

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.

Chase Sapphire Reserve®: Best for travel

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, an annual travel credit and more.

Citi Simplicity® Card: Best for balance transfers

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.

How we picked our best cards

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.

How to compare credit cards for excellent credit

With an excellent credit score, your credit card options are almost limitless. But to find the right card for your needs, consider the following:

  • Do you want a no-annual-fee card?
    If you want a generous rewards program — the Wells Fargo Propel American Express® Card is an option worth considering; if you want to pay off your debt without paying interest — the Citi Simplicity® Card is the way to go.
  • Do you travel often?
    In this case, both the Wells Fargo Propel American Express® Card and the Chase Sapphire Reserve® could both be an excellent choice. But the Sapphire Reserve is the clear winner if you often travel internationally and want the ultimate travel perks.
  • Do you want the highest rewards rate on everyday purchases?
    It’s hard to find a card that beats the Blue Cash Preferred® Card from American Express in earning cash back at US supermarkets and on US streaming services.

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

Was this content helpful to you? No  Yes

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 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