Credit Cards for Excellent Credit

Credit cards within this credit category typically offer the lowest APRs, lowest fees, best rewards, and most competitive introductory offers. Not sure what your credit score is? Sign up for a Free CreditSoup account today and get access to your free credit score and top matched credit card options specifically for you. Checking your score has no impact to your credit.

Chase Sapphire Preferred® Card

Credit Recommended (660-850):
Good/Excellent
Apply Now
Chase Sapphire Preferred® Card
Editor’s Rating: 4.8
4.8
Apply Now on Chase secure website.
Credit Recommended (660-850):
Good/Excellent
Intro Rewards Bonus
60,000 bonus points
Rewards Rate 1
5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases
Foreign Trans Fee
$0
Apply Now on Chase secure website.
Annual Fee
$95
Regular APR
21.24% - 28.24% Variable
Credit Recommended
Good/Excellent

Highlights

  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
  • Enjoy benefits such as 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining, and 2x on all other travel purchases, and $50 annual Ultimate Rewards Hotel Credit, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
  • Member FDIC
See additional details for Chase Sapphire Preferred® Card

Search Now on CreditSoup.com secure website.
Cost
No Charge to find out if your Pre-Qualified
Credit Limit
Based on the card you Pre-Qualify for
Card Types
Cards for Every Credit Type
Search Now on CreditSoup.com secure website.

Highlights

  • Cards for Every Credit Score
  • See if You're Pre-Qualified
  • Find The Best Credit Card for You. Compare Top Card Offers and Apply Online!
  • Get Personalized Credit Card Offers in Seconds. No Impact to Your Credit Score!
  • Compare Offers and Apply Today

Chase Freedom Unlimited®

Credit Recommended (660-850):
Good/Excellent
Apply Now
Chase Freedom Unlimited®
Editor’s Rating: 4.7
4.7
Apply Now on Chase secure website.
Credit Recommended (660-850):
Good/Excellent
Intro (Purchases)
0% Intro APR on Purchases 15 months
Intro Rewards Bonus
Up to $300 cash back
Annual Fee
$0
Apply Now on Chase secure website.
Intro (Transfers)
0% Intro APR on Balance Transfers 15 months
Regular APR
19.74% - 28.49% Variable
Credit Recommended
Good/Excellent

Highlights

  • INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
  • Enjoy 6.5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
  • After your first year or $20,000 spent, enjoy 5% cash back on Chase travel purchased through Ultimate Rewards®, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
  • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
  • Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.74% - 28.49%.
  • No annual fee - You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
  • Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
See additional details for Chase Freedom Unlimited®

Instacart Mastercard®

Credit Recommended (660-850):
Good/Excellent
Apply Now on issuer’s secure website.
Credit Recommended (660-850):
Good/Excellent
Annual Fee
$0
Foreign Trans Fee
$0
Regular APR
19.74% - 28.49% Variable
Apply Now on issuer’s secure website.
Intro (Purchases)
N/A
Intro (Transfers)
N/A
Credit Recommended
Good/Excellent

Highlights

  • Get a free year of Instacart+ and a $100 Instacart credit automatically upon approval. Membership auto-renews. Terms apply.
  • Earn 5% cash back on Instacart app and Instacart.com purchases
  • Earn 5% cash back on travel purchased through the Chase Travel Center, including flights, hotels and more
  • Earn 2% cash back at restaurants, gas stations and on select streaming services
  • Earn 1% cash back on all other purchases
  • No annual card fee
See additional details for Instacart Mastercard®

Upgrade Cash Rewards Visa®

Credit Recommended:
Excellent, Good, Fair, Average
Apply Now on Sutton Bank, Member FDIC secure website.
Credit Recommended:
Excellent, Good, Fair, Average
Credit Line
$500 - $25,000
Annual Fee
$0
Foreign Trans Fee
Up to 3%
Apply Now on Sutton Bank, Member FDIC secure website.
Regular APR
14.99% - 29.99% APR
Credit Recommended
Excellent, Good, Fair, Average
Balance Transfer Fee
Up to 5%

Highlights

  • $200 bonus after opening a Rewards Checking account and making 3 debit card transactions*
  • Earn 1.5% unlimited cash back on card purchases every time you make a payment
  • Combine the flexibility of a credit card with the predictability of a personal loan
  • No annual fee
  • No touch payments with contactless technology built in
  • See if you qualify in minutes without hurting your credit score
  • Great for large purchases with predictable payments you can budget for
  • Mobile app to access your account anytime, anywhere
  • Enjoy peace of mind with $0 Fraud liability
See additional details for Upgrade Cash Rewards Visa®

*To qualify for the welcome bonus, you must open and fund a new Rewards Checking account and make 3 qualifying debit card transactions from your Rewards Checking account within 60 days of the date the Upgrade Card account is opened. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade VISA® Debit Card Agreement and Disclosures for more information. Your Upgrade Card and Rewards Checking account must be open and in good standing to receive a bonus. If you have previously opened a Rewards Checking account or do not open one as part of this application process, you are not eligible for this welcome bonus offer. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking account as a one-time payout credit within 60 days after the 3rd qualifying card purchase.

Rates & Fees

Chase Freedom® Student credit card

Credit Recommended:
See website for Details*
Apply Now on Chase secure website.
Credit Recommended:
See website for Details*
Intro Rewards Bonus
$50 Bonus
Rewards Rate 1
1% cash back
Regular APR
19.74% Variable
Apply Now on Chase secure website.
Annual Fee
$0
Credit Recommended
See website for Details*
Product Type
Consumer Card

Highlights

  • $50 Bonus after first purchase made within the first 3 months from account opening
  • Earn 1% cash back on all purchases
  • No annual Fee
  • $20 Good Standing Rewards after each account anniversary for up to 5 years
  • Earn a credit limit increase after making 5 monthly payments on time within 10 months from account opening when meeting credit criteria
  • No minimum to redeem for cash back. Cash Back rewards do not expire as long as your account is open
  • Free credit score with Chase Credit Journey
See additional details for Chase Freedom® Student credit card

My GM Rewards Card™

Credit Recommended:
Good, Excellent, 660+
Apply Now on issuer’s secure website.
Credit Recommended:
Good, Excellent, 660+
Intro (Purchases)
0% for 12 Months
Rewards Rate
Earn unlimited 7x total points with GM, 4x points on purchases everywhere else
Annual Fee
None
Apply Now on issuer’s secure website.
Regular APR
19.74% to 29.74% variable purchase APR based on creditworthiness. Rates as of 4/1/2023
Cash Advance APR
29.99%
Credit Recommended
Good, Excellent, 660+

Highlights

  • Earn 15,000 bonus points after you spend $1,000 in your first three months - that's $150 in value when you redeem with GM
  • Earn 4x points for every $1 spent everywhere, and receive unlimited 7x total points for every $1 spent with GM. Points don't expire as long as your account remains open
  • Points add up fast! For example, spending $12K per year on everyday purchases will earn 48,000 pts which is $480 in value toward future redemptions with GM
  • Looking for a new GM vehicle? Redeem unlimited points towards the purchase or lease of a new Chevrolet, Buick, GMC or Cadillac
  • Already own or lease a GM vehicle? Use your points toward your loan or lease payment with GM Financial, Certified Service, eligible Accessories and more
  • No annual fee, no foreign transaction fees, or cash advance fees. Late fees may apply
  • 0% intro APR on purchases for the first 12 months, then a variable APR of 19.74% to 29.74%
  • See if you're approved with no impact to your credit score. Accepting a card after your application is approved will result in a hard inquiry, which may impact your credit score
  • Terms Apply. Subject to credit approval
See additional details for My GM Rewards Card™
Rates & Fees

Luxury Card™ Mastercard® Gold Card™

Credit Recommended (720-850):
Excellent
Apply Now on Barclays Bank secure website. See if you may qualify
Credit Recommended (720-850):
Excellent
Intro (Transfers)
0% introductory APR for the first fifteen billing cycles following each balance transfer that posts to your account within 45 days of account opening.
Regular APR
19.99% Variable
Foreign Trans Fee
0% of each transaction in U.S. dollars.
Apply Now on Barclays Bank secure website. See if you may qualify
Credit Recommended
Excellent
Annual Fee
$995 ($295 for each Authorized User added to the account)
Product Type
Consumer/Business

Highlights

  • 24K-Gold-Plated and stainless steel card. Tailored to be an everyday essential. Rewards and protection benefits that are designed to be used everywhere you go, rather than select categories and purchases. Plus, no foreign transaction fees.
  • Simple and flexible rewards without the hoops. 2% value for airfare redemptions with no blackout dates or seat restrictions. 2% value for cash back redemptions. Earn one point for every one dollar spent. No minimum threshold requirement for cash back or airfare redemptions.
  • Annual Airline Credit—up to $200 in statement credits toward flight-related purchases including airline tickets, baggage fees, upgrades and more. Just pay for airline purchases with your Mastercard Gold Card and we will automatically apply the credit to your account. That’s it. No need to activate or designate an airline.
  • Up to a $100 application fee credit for the cost of TSA Pre✓® or Global Entry. Also, enjoy automatic enrollment in Priority Pass™ Select with access to 1,300+ airport lounges worldwide with no guest or lounge limits. Includes credits at select airport restaurants for cardholder and one guest.
  • 24/7 Luxury Card Concierge®—available by phone, email, SMS and chat in the app. Around-the-clock service to help you save time and manage tasks big and small. There is no requirement to make a purchase in your requests and no fees are associated with using the concierge's assistance.
  • Exclusive Luxury Card Travel® benefits—average value of $500 per stay (e.g., resort credits, room upgrades, free wifi, breakfast for two and more) at over 3,000 properties. Plus, peace of mind protection benefits like trip cancellation and interruption, auto rental car collision waiver, travel accident and baggage delay.
  • Cell phone protection for eligible claims of up to $1,000 each year. Plus additional World Elite Mastercard® benefits.
  • Annual Fee: $995 ($295 for each Authorized User). Terms and conditio
    See additional details for Luxury Card™ Mastercard® Gold Card™

Earn one point for every one dollar spent. Terms and conditions apply.


Luxury Card™ Mastercard® Black Card™

Credit Recommended (720-850):
Excellent
Apply Now on Barclays Bank secure website. See if you may qualify
Credit Recommended (720-850):
Excellent
Intro (Transfers)
0% introductory APR for the first fifteen billing cycles following each balance transfer that posts to your account within 45 days of account opening.
Regular APR
19.99% Variable
Annual Fee
$495 ($195 for each Authorized User added to the account)
Apply Now on Barclays Bank secure website. See if you may qualify
Credit Recommended
Excellent
Product Type
Consumer/Business
Cash Advance APR
30.24% This APR will vary with the market based on the Prime Rate.

Highlights

  • Stainless steel and carbon card. Tailored to be an everyday essential. Rewards and protection benefits that are designed to be used everywhere you go, rather than select categories and purchases. Plus, no foreign transaction fees.
  • Simple and flexible rewards without the hoops. 2% value for airfare redemptions with no blackout dates or seat restrictions. 1.5% value for cash back redemptions. Earn one point for every one dollar spent. No minimum threshold requirement for cash back or airfare redemptions.
  • Annual Airline Credit—up to $100 in statement credits toward flight-related purchases including airline tickets, baggage fees, upgrades and more. Just pay for airline purchases with your Mastercard Black Card and we will automatically apply the credit to your account. That’s it. No need to activate or designate an airline.
  • Up to a $100 application fee credit for the cost of TSA Pre✓® or Global Entry. Also, enjoy automatic enrollment in Priority Pass™ Select with access to 1,300+ airport lounges worldwide with no guest or lounge limits. Includes credits at select airport restaurants for cardholder and one guest.
  • 24/7 Luxury Card Concierge®—available by phone, email, SMS and chat in the app. Around-the-clock service to help you save time and manage tasks big and small. There is no requirement to make a purchase in your requests and no fees are associated with using the concierge's assistance.
  • Exclusive Luxury Card Travel® benefits—average value of $500 per stay (e.g., resort credits, room upgrades, free wifi, breakfast for two and more) at over 3,000 properties. Plus, peace of mind protection benefits like trip cancellation and interruption, auto rental car collision waiver, travel accident and baggage delay.
  • Cell phone protection for eligible claims of up to $1,000 each year. Plus additional World Elite Mastercard® benefits. Annual Fee: $495 ($195 for each Authorized User). Terms and conditions apply.
  • See additional details for Luxury Card™ Mastercard® Black Card™

Earn one point for every one dollar spent. Terms and conditions apply.


Mission Lane Cash Back Visa® Credit Card

Credit Recommended:
Fair, Good
Apply Now on Mission Lane secure website.
Credit Recommended:
Fair, Good
Rewards Rate 1
1-1.5% Unlimited Cash Back
Credit Check
Know and Go: Know if you're pre-qualified with no harm to your credit score
Annual Fee
$0
Apply Now on Mission Lane secure website.
Regular APR
26.99 - 29.99% Variable
Credit Recommended
Fair, Good

Highlights

  • See if you qualify instantly without harming your credit score.
  • Enjoy Unlimited 1-1.5% Cash Back on all Purchases.
  • Be automatically considered for a higher credit line in as few as 7 months.
  • Free, online credit score access for cardholders.
  • Instant decision on your application.
  • No interest on purchases when you pay in full and on time each month.
  • No security deposit required – get started today!
  • Enjoy coverage from Visa®.
  • Access your account anytime, anywhere with our mobile app.
  • If you are charged interest, the charge will be no less than $0.50.
See additional details for Mission Lane Cash Back Visa® Credit Card

Luxury Card™ Mastercard® Titanium Card™

Credit Recommended (720-850):
Excellent
Apply Now on Barclays Bank secure website. See if you may qualify
Credit Recommended (720-850):
Excellent
Intro (Transfers)
0% introductory APR for the first fifteen billing cycles following each balance transfer that posts to your account within 45 days of account opening.
Regular APR
19.99% Variable
Foreign Trans Fee
0% of each transaction in U.S. dollars.
Apply Now on Barclays Bank secure website. See if you may qualify
Annual Fee
$195 ($95 for each Authorized User added to the account)
Credit Recommended
Excellent
Product Type
Consumer/Business

Highlights

  • Brushed stainless steel and carbon card. Tailored to be an everyday essential. Rewards and protection benefits that are designed to be used everywhere you go, rather than select categories and purchases. Plus, no foreign transaction fees.
  • 2% value for airfare redemptions with no blackout dates or seat restrictions. 1% value for cash back redemptions. Earn one point for every one dollar spent. No minimum threshold requirement for cash back or airfare redemptions.
  • 24/7 Luxury Card Concierge®—available by phone, email, SMS and chat in the app. Around-the-clock service to help you save time and manage tasks big and small. There is no requirement to make a purchase in your requests and no fees are associated with using the concierge's assistance.
  • Exclusive Luxury Card Travel® benefits—average value of $500 per stay (e.g., resort credits, room upgrades, free wifi, breakfast for two and more) at over 3,000 properties. Plus, peace of mind protection benefits like trip cancellation and interruption, auto rental car collision waiver, travel accident and baggage delay.
  • Members-only LUXURY MAGAZINE®.
  • Cell phone protection for eligible claims of up to $1,000 each year. Plus additional World Elite Mastercard® benefits.
  • Annual fee: $195 ($95 for each Authorized User). Terms and conditions apply.

Earn one point for every one dollar spent. Terms and conditions apply.


Petal® 2 "Cash Back, No Fees" Visa® Credit Card

Credit Recommended:
Excellent, Good, Limited History, No History, Limited, No Credit
Apply Now on WebBank secure website.
Credit Recommended:
Excellent, Good, Limited History, No History, Limited, No Credit
Annual Fee
$0
Credit Limit
$300 - $10,000
Rewards Rate
1% cash back on eligible purchases
Apply Now on WebBank secure website.
Regular APR
17.74 - 31.74% Variable
Credit Recommended
Excellent, Good, Limited History, No History, Limited, No Credit
Checking Account Required
Yes

Highlights

  • No fees whatsoever. No late fee, foreign transaction fee, annual fee, or any-other-kind-of-fee, fee.
  • Variable APRs range from 17.74% - 31.74%
  • Up to 1.5% cash back on eligible purchases after making 12 on-time monthly payments.
  • 1% cash back on eligible purchases right away
  • 2% - 10% cash back at select merchants $300 - $10,000 credit limits
  • No credit score? No problem. If eligible, we'll create your Cash Score instead.
  • See if you're pre-approved within minutes without impacting your credit score.
  • Build credit alongside hundreds of thousands of Petal card members.
  • Petal reports to all 3 major credit bureaus.
  • No deposits required
  • Card issued by WebBank

DoorDash Rewards Mastercard®

Credit Recommended:
See website for Details*
Apply Now on issuer’s secure website.
Credit Recommended:
See website for Details*
Rewards Rate 1
4% cash back on DoorDash and Caviar orders. 3% cash back on dining. 2% cash back on grocery stores. 1% cash back on all other purchases
Intro Rewards Bonus
Free Dash Pass for a year & $100 limited time bonus offer.
Regular APR
19.74% - 28.49% Variable
Apply Now on issuer’s secure website.
Annual Fee
0
Regular Transfer APR
19.74% - 28.49% Variable
Cash Advance APR
29.74% Variable

Highlights

  • With the NEW DoorDash Rewards Mastercard get a FREE year of DashPass ($96 value) and $100 limited time bonus offer.
  • 4% cash back on DoorDash and Caviar orders. Enjoy this benefit on every type of DoorDash order, including restaurants, groceries, pet supplies, retail items, and more. No earning caps.
  • 3% cash back on dining when purchased directly from a restaurant. No earning caps.
  • 2% cash back on purchases from grocery stores, online or in person. 1% cash back on all other purchases. No earning caps.
  • Get a complimentary DashPass membership ($96 value) every year with $10k in annual card spend. DashPass members enjoy $0 delivery fees & reduced service fees on every eligible order.
  • No annual card fee, just cash back on every purchase.
  • As an exclusive Cardmember benefit, get 10% off one Convenience, Grocery, Alcohol or DashMart order on DoorDash each month. Maximum discount of $15 per order. Offer expires 8/31/23.
  • As an exclusive Cardmember benefit enjoy $25 off your first two orders of at least $100 with DoorDash. Nationwide Shipping - offer expires 12/31/23.
See additional details for DoorDash Rewards Mastercard®
Advertiser Disclosure

Credit Cards For Excellent Credit

Credit cards for the best credit scores typically offer the lowest APRs, lowest fees, best rewards and most competitive introductory offers. Not sure what your score is? Sign up for an account with CreditSoup to get your free credit score.

If you have an excellent credit rating between 720 and 850** and a comfortable income, you may be eligible for the perks from one of the many platinum or gold credit cards available — but you probably already know that. If you’re among the top credit managers, you might be receiving offers in your mailbox every day. Most likely, you didn’t get to be where you are by having a lot of free time, so you may not even bother to look at them.

Here are a few reasons you might want to change your mind.

Why You Should Consider Credit Cards for the Best Credit Scores

If you routinely toss new card offers, you may be missing out on some excellent credit card benefits. Credit card issuers are in fierce competition for consumers with excellent credit and must offer very attractive, benefits, rewards and enticements as part of their strategy in order to remain competitive. With these credit cards, low interest rates and no annual fees are just the beginning.

Many prime credit cards offer benefits such as these:

  • Cash Back
  • Reward Points
  • Air miles
  • Insurance Coverages

You deserve to be reaping all the rewards to which your great credit rating entitles you. While it’s true that it would take a lot of time and effort to sort through all those offers you’re getting, there is a better alternative. At CreditSoup, our experts make it their business to know the interest rates, card benefits and rewards offered by the different issuers. We can help you locate the excellent credit card for which you are looking by comparing features and benefits from multiple issuers in one place.

If you have not applied for a new credit card in a few years, you might be surprised by what’s out there. We routinely feature cards that help you manage your debt and pay it off faster or help you to earn rewards on your everyday spending.

How to Choose the Best Credit Cards for Excellent Credit

There are so many factors that affect the kinds of offers you’ll get that you may need to research several options before making the right choice. Since lenders are battling for your business, they change their terms regularly to keep up with the competition.

Look for offers that feature:

  • Low introductory rates
  • Minimal fees on balance transfers
  • Low, fixed rates after the introductory period
  • Rewards such as cash back on purchases
  • Signup bonuses

With excellent credit, you probably use credit cards mostly to take advantage of those benefits. Make sure you understand what you have to do to get the rewards, because that could affect the option you choose. You might be tempted to reject any card that charges an annual fee, but it may be better to compare them to the benefits you get in return. Some cards charge an annual fee in exchange for some amazing rewards. In fact, at least a few offers the require the highest credit scores and to qualify and offer the largest signup bonuses charge an annual fee. But, it’s certainly worth seeing what you get for your money before deciding.

If you do not find the card with the perfect benefits for you, check back regularly. There’s no need to worry when you can always count on CreditSoup to show you the best credit cards for excellent credit right here. If you are unsure if you have excellent credit you can get your free credit score here.

*See online credit card application for details on the terms and conditions.

**Credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any credit card product.


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Advertiser Disclosure

CreditSoup is an independent, advertising-supported comparison service. The offers that appear on this site are from companies from which CreditSoup receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). CreditSoup does not include all companies or all offers available in the marketplace. CreditSoup may use other proprietary factors to impact offer listings on the website such as consumer selection or the likelihood of the applicant’s credit approval.

Editor’s Rating

Our editors review each credit card and provide our ratings based on the features the credit card offers consumers including the fees, interest rates, benefits, rewards, and how it compares to other credit cards in its category. Card ratings may vary by category as the same card may receive a different rating based on that category.

CreditSoup.com may be compensated by companies mentioned on our site when a consumer’s application is accepted or approved by the company.