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Best cash back credit cards for excellent credit

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:

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.

Compare more cash back credit cards

Name Product Welcome Offer Purchase Interest Rate Cash Advance Rate Cash Back Rate Annual Fee
Receive 5% cashback (up to $300 cashback) in the first six months.
19.99%
22.99%
2%
$99
Offers 1.99% balance transfer rate in the first 6 months to new cardmembers. No balance transfer fee upon application.
Earn 2.5% cash back (up to $150 cash back) in the first three months.
19.99%
22.99%
1.25%
$0
Offers 1.99% balance transfer rate in the first 6 months. No balance transfer fee upon application.
Get 10% cash back on purchases with min. spend of $2,000 in the first three months. Ends 30 June 2019.

19.99%
22.99%
4%
$0 annual fee for the first year ($99 thereafter)
Save with no annual fee for the first year.
Receive a 7.99% introductory interest rate on all spend for the first six months. Ends 30 June 2019.
7.99% intro APR for the first 6 months, 19.99% thereafter
22.99%
1%
$0
Get 1% cash back on payments made at gas stations, grocery stores and pharmacies, including recurring payments.
Offers a 7.99% introductory interest rate on all spend for the first 6 months. Ends 30 June 2019.
7.99% intro APR for the first 6 months, 19.99% thereafter
22.99%
1%
$0
Receive 1% cash back on payments made at petrol stations, supermarkets, pharmacies and recurring bill payments.
Offers a 2.99% introductory balance transfer rate for the first 6 months. Ends 30 June 2019.
19.99%
22.99%
2%
$39
2% cash back on eligible gas stations, grocery and drug store purchases including recurring payments. T&C's apply.
Get 1.95% interest rate on balance transfers for the first six months. Valid within the first 30 days of account opening.
19.95%
19.95%
2%
$0
Earn 4% Money-Back Rewards in three categories of your choice such as groceries, dining, petrol and more. Ends 31 July 2019.
Waived annual fee for the first year of membership. Ends 30 June 2019.
19.99%
22.99%
5%
$0 annual fee for the first year ($79 thereafter)
Get up to 5% in GM Earnings upon initial spend of $10,000 in the first year and 2% subsequently.
No available introductory offer.
17.99%
17.99%
5%
$0
Get up to 5% in GM Earnings on your initial spend of $5,000 in the first year.

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