Top 7 Cards for Excellent Credit


If your credit score falls in the good to excellent range (670 – 850*) then credit card issuers are hungry to win your business. In order to do so, they are offering big welcome bonuses, long intro APR periods and stellar ongoing rewards. Each of the cards from our partners below are fantastic options to consider if you are in the market for a new credit card. If you have excellent credit and have not applied for a new card recently it is likely time to evaluate what you are missing out on.

Earn Unlimited 2% Cash Rewards Plus A Bonus

Wells Fargo Active Cash® Card

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on Wells Fargo’s secure site
Recommended Credit Score
Excellent/Good
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Wells Fargo Active Cash® Card

If you are looking for an easy to understand, flat rate, cash rewards credit card that pays an above-average rate of 2% on purchases then this card from Wells Fargo is a fantastic option for you. In addition to the unlimited 2% cash rewards on purchases, there is also a welcome bonus worth $200 in cash rewards that can be earned by spending at least $500 in purchases in the first three months after you are approved. This spend threshold is much lower than most competing cards making it easier to earn your welcome bonus quickly. This means you are getting another 40% back on the first $500 you spend. This card also offers a 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers, then a 18.99%, 23.99%, or 28.99% Variable APR. Another unique perk offered is cell phone protection. If you use your card to pay your cellular telephone bill you can get up to $600 of protection on your cell phone against covered damage or theft (subject to $25 deductible).

Generous Bonus & Intro APR

Bank of America® Travel Rewards credit card

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on Bank of America’s secure site
Recommended Credit Score
Excellent/Good
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Bank of America® Travel Rewards credit card

If you prefer a $0 annual fee card that will help you earn points towards travel and dining purchases then this card is likely your top option. With the Bank of America® Travel Rewards credit card you will earn a straightforward, unlimited 1.5 points per $1 spent on all purchases and 3 points per $1 spent on travel purchases booked through the Bank of America Travel Center. You can also earn 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening. These bonus points can be redeemed for a $250 statement credit toward travel and dining purchases. Unlike most travel cards this option also offers a generous intro APR. It offers 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends a 18.24% – 28.24% Variable APR will apply.

Earn Unlimited 3X Rewards on Restaurants, Travel, Gas & More

Wells Fargo Autograph® Card

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on Wells Fargo’s secure site
Recommended Credit Score
Excellent/Good
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Wells Fargo Autograph® Card

This card is an excellent option for those looking for a $0 annual fee rewards card. New card members can also earn an impressive 20,000-point welcome bonus after spending $1,000 in purchases in the first three months. This bonus has a $200 cash redemption value! As for ongoing rewards, you can earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans. There are no caps to worry about and no rewards calendars to keep track of. Plus you will also earn 1X on your other purchases. In addition to the cash redemption option, you can also redeem your rewards for travel, gift cards, and more. There is also a generous intro APR on purchases and many other premium benefits.

Incredibly Long 0% Intro APR on Purchases & Qualifying Balance Transfers

Wells Fargo Reflect® Card

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on Wells Fargo’s secure site
Recommended Credit Score
Excellent/Good
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Wells Fargo Reflect® Card

This card from Wells Fargo is a CardCritics™ favorite in both the Low APR and Balance Transfer categories. It offers a 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers, then a 16.99%, 23.49%, or 28.74% Variable APR. Balance transfers made within 120 days qualify for the intro rate and there is a balance transfer fee (5%; min: $5). If you are accruing interest charges each month on another card (or cards) the transfer fee is likely worth the expense especially if you plan to pay the balance off before the 0% intro period is over. You can also get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with this card.

Solid Bonus & Rewards Plus Travel Perks

Capital One Venture Rewards Credit Card

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on Capital One’s secure site
Recommended Credit Score
Excellent, Good
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Capital One Venture Rewards Credit Card

There are a ton of options in the market today for travel rewards cards, but the Capital One Venture Rewards Credit Card is one you should seriously consider. You will earn rewards quickly with unlimited 2x miles per dollar on all purchases and 5x miles per dollar when you book your car rentals, vacation rentals and hotel stays through Capital One Travel. The Venture Rewards Card has a massive welcome offer of 75,000 bonus miles after spending $4,000 within the first 3 months. That equals $750 in travel value. The $95 annual fee grants you access to premium travel benefits like a credit for Global Entry or TSA Precheck and pay no foreign transaction fees. While you’ll get the most out of your miles by redeeming them for travel, there are several other options to cash in your rewards making it an extremely flexible program and one of the best travel rewards programs out there with over 15 direct transfer partners. A 19.99% – 29.24% (Variable) APR will apply to purchases and balance transfers.

Huge Premium Rewards and Perks

The Platinum Card® from American Express

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on American Express’ secure site
Recommended Credit Score
Good – Excellent
Rates and Fees| Terms Apply
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The Platinum Card® from American Express

A large annual fee on a card often means it comes with valuable perks to make it worthwhile and that is most definitely the case for The Platinum Card® from American Express. Its $895 fee may scare prospective cardholders away, but once you understand all this card has to offer, it’s clear you can actually make money by having this card at the top of your wallet. You may be eligible for as high as 175,000 Membership Rewards® Points after spending $8,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer. Most purchases made on the card will earn a straightforward 1 point per dollar spent, however, you can get 5X points on flights booked directly with airlines or through American Express Travel (on up to $500,000 spent each year) and 5X points on prepaid hotels booked on AmexTravel.com. This card also offers several different statement credits that will apply to different spending categories or specific merchants. Select ‘Show Card Details’ or ‘Apply Now’ to view all of the current offerings.

75,000 Bonus Point Offer

Chase Sapphire Preferred® Card

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on Chase’s secure site
Recommended Credit Score
Good – Excellent
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Chase Sapphire Preferred® Card

The Chase Sapphire Preferred® Card really delivers on the premium rewards, starting with a welcome bonus worth up to $1,312 toward travel. You will earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months after being approved. Your points are worth up to 75% more when you redeem them through Chase Travel, making this bonus worth up to $1,312. As for ongoing rewards, you will earn 5x points on travel purchased through Chase Travel℠ and 3x points on dining purchases, select streaming services and on online groceries (excludes Target, Walmart and wholesale clubs). The rewards keep adding up with 2x points on all of your other travel purchases and a point per dollar spent on everything else. The points you earn can be redeemed for travel, cash back, Amazon.com orders, Apple purchases and gift cards. Round everything out with a robust list of additional benefits and this card is tough to beat.

If you have put in the work and earned that excellent credit score then it is likely time to use it to your advantage. Don’t miss out on the premium rewards and perks that your credit score has afforded you.


Editorial Note: Any opinions, analyses, reviews or recommendations expressed are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.
*CardCritics™ references a FICO® 8 score, which is one of many different types of credit scores. A financial institution may use a different score when evaluating your application.