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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

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 all 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)
Perfect for families: Earn up to 6% cashback as statement credit on everyday purchases and a big welcome offer for a cashback card. This heavy-hitter rewards card has uncontested value. Terms apply, see rates & fees
Chase Sapphire Preferred® Card
Finder Rating: 4.3 / 5: ★★★★★
Chase Sapphire Preferred® Card
5x points on Lyft, 2x points on up to $1,000 on groceries until April 30, 2021, 2x points on travel and dining and 1x points on all other purchases
$95
15.99% to 22.99% variable
Earn a signup bonus worth $1,000 plus up to $50 statement credit towards groceries with this popular travel card.
Citi® Diamond Preferred® Card
Finder Rating: 4.6 / 5: ★★★★★
Citi® Diamond Preferred® Card
N/A
$0
0% intro for the first 18 months (then 14.74% to 24.74% variable)

Best of Finder 2021

An impressive 18 months intro APR on balance transfers and purchases, as well as no annual fee make this one of the top 0% APR cards available.
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
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.
American Express® Gold Card
Finder Rating: 4.6 / 5: ★★★★★
American Express® Gold Card
4x at restaurants including delivery and Uber Eats; 4x at US supermarkets on up to $25,000 annually (then 1x points), 3x points on directly-booked flights and 1x points on all other purchases
$250
See Pay Over Time APR

Rose Gold is back

Earn up to 4x points on select purchases, a bevy of travel perks, and a welcome offer worth up to $600 based on our valuation with this upper-mid tier travel card. Terms apply, see rates & fees
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What are the 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.

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.

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 to6%
Cash back
$150
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 as statement credit on purchases made at US gas stations and on transit purchases.
  • Welcome offer. Earn 20% back on purchases at Amazon.com in the first 6 months for a total of up to $200 back, plus $150 in statement credit once you spend $3,000 in your first 6 months of account opening. This card also offers complimentary ShopRunner membership after enrollment, which grants free two-day shipping and extended warranties on covered purchases.
  • Cash back. Earn 6% cash back as statement credit 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 offer20% back on Amazon.com purchases in the first 6 months for up to $200 back, plus $150 statement credit after you spend $3,000 in the first 6 months
Estimated welcome offer value
Rewards6% 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 (redeem as statement credit)
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 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 to10x
Points
60,000
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, and accelerated points on Lyft rides. Of course, the Sapphire Reserve has numerous 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.
  • Signup bonus. Earn 60,000 bonus points once you spend $4,000 within your first 3 months of card membership. This is worth $900 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 offer60,000 points after spending $4,000 in the first 3 months, a value of up to $900 through Chase Ultimate Rewards.
Estimated welcome offer value $900 based on Finder's valuation
Rewards10x 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 to10x
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 first year value. Clearing both parts of the welcome offer nets a redemption value of between $2,250 and $4,500. The 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, Centurion Lounge access, complimentary elite status in Hilton and Marriott loyalty programs after enrollment and more. Use these perks to earn even more value on your card and easily cover the cost of the annual fee.
  • 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 offer75,000 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
Estimated welcome offer value $4,500 based on Finder's valuation
Rewards10x points at US gas stations and US supermarkets on up to $15,000 combined in the first 6 months, 5x points on prepaid hotels booked with American Express Travel, 5x points on directly-booked flights on up to $500,000 annually, then 1x points after that and on other purchases
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 to3x
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. While the card doesn't feature the widest variety of additional perks, it still has a few to offer: it's one of the few cards on the market with cell phone protection in the event of damage or theft, and you can also enjoy purchase protection and extended warranties on select purchases.
  • 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.
  • Low minimum credit limit. The minimum starting credit limit for this card is $1,500. Other comparable cards on the market have a minimum credit limit starting at $3,000.
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 offer20,000 points after spending $1,000 in the first 3 months
Estimated welcome offer value $200 based on Finder's valuation
Rewards3x 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. 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.
  • 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 offerN/A
Estimated welcome offer value
RewardsN/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 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® 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

Do credit cards for excellent credit come with a high credit limit?
In general, yes. But this largely depends on the credit card you apply for. If you’re not satisfied with the credit line you receive, you can ask for a credit line increase.

What is an invite-only card?
Invite-only credit cards are — as the name suggests — cards available on an invite-only basis. Invite-only credit cards are luxury cards with top-tier benefits and sizable credit limits, like the Centurion® Card from American Express and the JP Morgan Reserve Card. They often have strict eligibility requirements, like spending a minimum of $100,000 annually.

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