Best Credit Cards for Excellent Credit
Joy Wallet is advertiser-supported: we may earn compensation from the products and offers mentioned in this article. However, any expressed opinions are our own and aren't influenced by compensation. To read our full disclosure, click here.
JoyWallet has partnered with CardRatings for our coverage of credit card products. JoyWallet and CardRatings may receive a commission from card issuers.
Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.
It’s no secret that credit cards can come with perks. The problem is deciding which one to choose! If you have an excellent credit score (typically 750 or above), you are precisely the customer credit card issuers want. They know those with good credit reports have good payment history, meaning you are less likely to have missed or late payments and are in control of your finances. Your fantastic creditworthiness means you get the lowest annual percentage rate (APR) offers, the higher credit limits, the biggest rewards rates, and the most credit card offers. (Sometimes too many!) Choose wisely.
Here are the seven best credit cards for those with excellent credit.
Related: The Most Exclusive Credit Cards
Jump To
Overview of the best credit cards for excellent credit
Issuer | Best for |
The Platinum Card® from American Express | Pay Over Time feature |
Blue Cash Preferred® Card from American Express | Cash back on commuting expenses |
Capital One Venture Rewards Credit Card | Travel perks |
Chase Freedom Unlimited® | Cash back on grocery purchases |
Chase Sapphire Preferred® Card | Purchase protection benefits |
Chase Sapphire Reserve® | Travel points |
Citi® / AAdvantage® Platinum Select® World Elite Mastercard® | Airline exclusive cards |
Key Takeaways
Remember that no matter which credit card you choose, you’ll want to make sure to use it responsibly to keep your excellent credit status.
Best credit cards for excellent credit
The Platinum Card® from American Express
The Platinum Card® from American Express
Card Name
The Platinum Card® from American Express
APR
See Pay Over Time APR
Recommended Credit Score
Excellent, Good
Annual Fee
$695
Special Offer
Earn 80,000 Membership Rewards® Points
Special Offer Terms
after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership.
Rewards Rate
Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
Why We Like It
- Generous introductory bonus points.
- Advanced points on travel purchases.
- Up to $189 back per calendar year on CLEAR®.
Raise Your Credit 80 points*
- 5 star service trusted by over 450,000 members
- Have processed over $11,000,000 in bill payments for members
- No deposit, no credit check, no interest
- New member promotions available
*Potential increase based on StellarFi member data. StellarFi numbers observed an average of 80 points VantageScore® 3.0 increase during a member’s lifetime. Score increase based on members with an incoming score range of 300-499 pts, who made regular on-time payments, with regular on-time payments. Results may vary.
Blue Cash Preferred® Card from American Express
Blue Cash Preferred® Card from American Express
Card Name
Blue Cash Preferred® Card from American Express
APR
19.24% - 29.99%
Recommended Credit Score
Good, Excellent
Annual Fee
$0 intro annual fee for the first year, then $95.
Special Offer
Earn a $250 statement credit
Special Offer Terms
after you spend $3,000 in eligible purchases on your new Card within the first 6 months.
Rewards Rate
6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). 6% Cash Back on select U.S. streaming subscriptions. 3% Cash Back at U.S. gas stations. 3% Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more). 1% Cash Back on other purchases.
Why We Like It
- Buy Now, Pay Later options.
Capital One Venture Rewards Credit Card
Capital One Venture Rewards Credit Card
Card Name
Capital One Venture Rewards Credit Card
APR
19.99% - 29.99%
Recommended Credit Score
Excellent, Good
Annual Fee
$95
Special Offer
Limited-time offer: For a limited time, earn 75,000 Miles
Special Offer Terms
once you spend $4,000 on purchases within the first 3 months of account opening, plus receive a one-time $250 Capital One Travel credit in your first cardholder year – that’s equal to $1,000 in travel
Rewards Rate
2 Miles per dollar on every purchase, every day. 5 Miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel.
Terms
Why We Like It
- 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, which is equivalent to $750 in travel
- You can earn unlimited 2X miles on every purchase
- $100 credit for Global Entry or TSA PreCheck®
- Two complimentary visits per year to Capital One Lounges
- 5X miles on hotels and rental cars booked through Capital One Travel
Chase Freedom Unlimited®
Chase Freedom Unlimited®
Card Name
Chase Freedom Unlimited®
APR
20.49% - 29.24%
Recommended Credit Score
Excellent, Good
Annual Fee
$0
Special Offer
Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year)
Special Offer Terms
— worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel℠, 4.5% on dining and drugstores, and 3% on all other purchases.
Rewards Rate
Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases
Terms
Why We Like It
- Higher cash back on travel purchased through Chase Ultimate Rewards®.
- No minimum to redeem for cash back.
- No annual fee.
- Monitor your credit for free access using Chase Credit Journey.
Raise Your Credit 80 points*
- 5 star service trusted by over 450,000 members
- Have processed over $11,000,000 in bill payments for members
- No deposit, no credit check, no interest
- New member promotions available
*Potential increase based on StellarFi member data. StellarFi numbers observed an average of 80 points VantageScore® 3.0 increase during a member’s lifetime. Score increase based on members with an incoming score range of 300-499 pts, who made regular on-time payments, with regular on-time payments. Results may vary.
Chase Sapphire Preferred® Card
Chase Sapphire Preferred® Card
Card Name
Chase Sapphire Preferred® Card
APR
21.49%-28.49%
Recommended Credit Score
Excellent, Good
Annual Fee
$95
Special Offer
Earn 60,000 bonus points
Special Offer Terms
after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.
Rewards Rate
Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
Terms
Why We Like It
- Generous bonus points offered.
- High points for travel and dining purchased through Chase Ultimate Rewards® and points on all purchases.
- Complimentary one-year access to DashPass.
Chase Sapphire Reserve®
Chase Sapphire Reserve®
Card Name
Chase Sapphire Reserve®
APR
22.49%-29.49%
Recommended Credit Score
Excellent
Annual Fee
$550
Special Offer
Earn 60,000 bonus points
Special Offer Terms
after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.
Rewards Rate
Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.
Terms
Why We Like It
- Generous bonus points offer.
- Annual travel credit on your account anniversary.
- 1:1 point transfer to leading airline and hotel loyalty programs.
- Access to more than 1,300 airport lounges worldwide.
- Up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®.
Citi® / AAdvantage Business™ World Elite Mastercard®
Citi® / AAdvantage Business™ World Elite Mastercard®
Card Name
Citi® / AAdvantage Business™ World Elite Mastercard®
APR
21.24% - 29.99%
Recommended Credit Score
Excellent
Annual Fee
$99, waived for first 12 months
Special Offer
Earn 65,000 American Airlines AAdvantage® bonus miles
Special Offer Terms
after spending $4,000 in purchases within the first 4 months of account opening.
Rewards Rate
Earn 2 AAdvantage® miles per $1 spent on eligible American Airlines purchases, and on purchases at telecommunications merchants, cable and satellite providers, car rental merchants and at gas stations. Earn 1 AAdvantage® mile per $1 spent on other purchases. Earn 1 Loyalty Point for every 1 eligible AAdvantage® mile earned from purchases.
Terms
Why We Like It
- Generous bonus miles offer.
- First checked bag is free on domestic American Airlines flights.
- Savings on inflight Wi-Fi and preferred boarding on American Airlines flights
- No Foreign Transaction Fees
Best credit cards for excellent credit overview
Issuer | Annual fee | APR |
The Platinum Card® from American Express | $695 | See Pay Over Time APR |
Blue Cash Preferred® Card from American Express | $0 intro annual fee for the first year, then $95. | 19.24% - 29.99% |
Capital One Venture Rewards Credit Card | $95 | 19.99% - 29.99% |
Chase Freedom Unlimited® | $0 | 20.49% - 29.24% |
Chase Sapphire Preferred® Card | $95 | 21.49%-28.49% |
Chase Sapphire Reserve® | $550 | 22.49%-29.49% |
Citi® / AAdvantage Business™ World Elite Mastercard® | $99, waived for first 12 months | 20.99% - 29.99% |
FAQs
Which card is the best travel card?
It depends on what you want to get from your card. If you want standard trip protection and the ability to earn cash back or miles, you can probably find a card with a low or no annual fee relatively easily. However, if you want perks such as airport lounge access, you may have to go with a card that has an annual fee.
Do all cards have a sign-up offer?
Some cards offer exclusive offers to entice people to purchase a new card. These offers can include bonus sign-up points, 0% interest rates, and more.
Why should you use a credit card?
Using a credit card is a great way to prove your financial trustworthiness and build your credit. As someone that already has an excellent FICO credit score, you’ll likely have access to some of the best credit cards on the market. Using these credit cards can help you earn cash back, miles, or other benefits by simply making everyday purchases as you normally would. Because you get your choice, seek out cards with the lowest APR offers as well as the biggest returns like double cash cards.
Raise Your Credit 80 points*
- 5 star service trusted by over 450,000 members
- Have processed over $11,000,000 in bill payments for members
- No deposit, no credit check, no interest
- New member promotions available
*Potential increase based on StellarFi member data. StellarFi numbers observed an average of 80 points VantageScore® 3.0 increase during a member’s lifetime. Score increase based on members with an incoming score range of 300-499 pts, who made regular on-time payments, with regular on-time payments. Results may vary.
The bottom line
If you have excellent credit, you’ll probably have your pick of credit cards. It can be difficult to figure out which card is the “best” overall with all the options. The important thing to remember is that each credit card is tailored to offer a specific set of benefits.
Choosing the right card takes time and consideration. Think about what you want to get from your card. It could be cash back to put toward your statement balances. Or maybe you want to earn miles and save money on your next vacation. Whatever your goal is, you should focus on credit cards to help you get there.
Another thing to remember is that some credit card companies have partnerships with companies and stores that could help you benefit even further. For example, if you know that you usually use a specific airline, you might want to look for a credit card that offers bonus miles for that airline.
Remember that no matter which credit card you choose, you’ll want to use it responsibly to keep your excellent credit status.
Joy Wallet is an independent publisher and comparison service, not an investment advisor, financial advisor, loan broker, insurance producer, or insurance broker. Its articles, interactive tools and other content are provided to you for free, as self-help tools and for informational purposes only. They are not intended to provide investment advice. Joy Wallet does not and cannot guarantee the accuracy or applicability of any information in regard to your individual circumstances. We encourage you to seek personalized advice from qualified professionals regarding specific investment issues. Featured estimates are based on past market performance, and past performance is not a guarantee of future performance.
Our site doesn’t feature every company or financial product available on the market. We are compensated by our partners, which may influence which products we review and write about (and where those products appear on our site), but it in no way affects our recommendations or advice. Our editorials are grounded on independent research. Our partners cannot pay us to guarantee favorable reviews of their products or services.
We value your privacy. We work with trusted partners to provide relevant advertising based on information about your use of Joy Wallet’s and third-party websites and applications. This includes, but is not limited to, sharing information about your web browsing activities with Meta (Facebook) and Google. All of the web browsing information that is shared is anonymized. To learn more, click on our Privacy Policy link.
Images appearing across JoyWallet are courtesy of shutterstock.com.
JoyWallet has partnered with CardRatings for our coverage of credit card products. JoyWallet and CardRatings may receive a commission from card issuers.
Writer
Ashley Hart is a lead copywriter and digital marketing expert covering finance, law, real estate, music, entertainment, health and wellness.
Share this article
