Reap the rewards of having an excellent credit score with these cash back credit cards.
With an excellent credit score of 800 or higher, your credit card choices are nearly limitless.
Add a high income to the mix and you’ll likely be able to consider any card on the market.
Cash back credit cards reward you for your spending, but to find the right one, you’ll need to consider what categories you spend the most in, how much you value signup offers and whether or not you want to pay an annual fee.
How we chose the best cash back cards for excellent credit
We’ve chosen the cards on this page based on the providers available through Finder. These cards are not representative of the entire market. Our top cash back cards for excellent credit offer flat-rate or accelerated cash back, bonus perks such as balance transfer offers and complimentary insurance coverage, and a signup bonus. We’ve also considered annual fees and balance transfer fees.
No single cash back card will be the best choice for everyone, so compare your options before picking your new card.
Best for earning accelerated cash back: Scotia Momentum Visa Infinite Card
The Scotia Momentum Visa Infinite Card offers a high cash back rate on purchases at eligible gas stations and grocery stores.
Get cash back on all purchases and access to a comprehensive suite of travel insurance coverage. In addition, the card comes with a special cash back offer of 10% on all purchases for the first 3 months and the annual fee is waived in the first year – a value of $99.
Best for earning flat-rate cash back: SimplyCash™ Preferred Card from American Express
The SimplyCash™ Preferred Card offers unlimited 2% cash back on everything you buy, plus a bonus signup offer of 5% cash back during your first 6 months as a cardholder.
If you’re looking to consolidate some debt, the optional balance transfer offer can sweeten the deal and save you money on interest. Included with the card are standard Amex perks, including travel accident insurance, purchase protection, entertainment access and more.
Best for choosing your own spending categories: Tangerine Money-Back Credit Card
The Tangerine Money-Back Credit Card is a no annual fee credit card offering unlimited cash back on two spending categories of your choice. Choose from groceries, furniture, restaurants, hotel/motel, gas, recurring bill payments, drug store, home improvement, entertainment and public transportation/parking.
Get cash back rewards in three spending categories by depositing your cash back rewards directly into your Tangerine savings account.
How to choose the right cash back card for you
To choose the best cash back credit card, ask yourself:
- Do you spend a lot in a particular category? For groceries and gas, the Scotia Momentum Visa Infinite Card could be the right choice. The Tangerine Money-Back Credit Card might suit you best if you want to choose your own spending categories.
- Do you spend fairly evenly across categories? Consider the flat-rate SimplyCash™ Preferred Card from American Express.
- Do you value welcome offers more than anything else? The Scotia Momentum Visa Infinite Card card offers what’s potentially the highest welcome offer of any cash back credit card. But the amount you get depends on how much you spend during your first three months as a cardholder (up to a maximum spend of $2,000).
With excellent credit, the doors to almost any credit card are wide open. When it comes to cash back credit cards, your choices include earning flat-rate cash back on all purchases or earning accelerated cash back on specific categories like gas and groceries. Your decision should heavily weigh on your spending habits and needs.
If you don’t think any of these cards are right for your needs, take a look at other cash back credit cards to broaden your options.