The Best Credit Card Options If You Have Excellent Credit

According to Experian, FICO Scores range from 300 on the low end to 850 on the high end. An excellent or exceptional credit score is one that falls between 800 and 850. While it’s a challenge to reach this level, doing so will benefit you financially in a number of ways. For example, an excellent credit score gives you access to the largest number of credit card offers. In the slides to follow, we’ll outline the 20 best credit cards for consumers with excellent credit.

Discover it Cash Back Credit Card

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Tim Boyle/Getty Images
Tim Boyle/Getty Images

There’s a lot to like about the Discover it Cash Back credit card, including the ability to earn five percent cash back on different purchases – such as gas, groceries, and restaurants – each quarter. You’ll also earn one percent unlimited cash back on purchases outside these categories.

Also, Discover will match the cash back you earned after your one year anniversary date, with no limit on how much you can receive. It’s features like these that show why the Discover it credit card is one of the best for earning cash back.

Chase Freedom Unlimited Credit Card

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Fairfax Media via Getty Images
Fairfax Media via Getty Images

Excellent credit gives you the freedom to choose from hundreds of credit card offers. And speaking of freedom, the Chase Freedom Unlimited credit card is a winner. Top features include three percent cash back on all purchases in your first year, 0% introductory APR on purchases and balances for the first 15 months, free credit score weekly, and no minimum to redeem your cashback.

The opportunity to get all these features with no annual fee may be enough for you to give it a try.

Capital One Venture Rewards Credit Card

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Katie Corbett – PA Images/PA Images via Getty Images
Katie Corbett – PA Images/PA Images via Getty Images

There is more to the Capital One Venture Rewards credit card than its commercials. This card is known for offering 10x miles on hotel bookings, 2x miles on everyday purchases, and a one time bonus of 50,000 miles if you spend $3,000 on your credit card within three months of opening an account.

Not only is it consistently named one of the best travel credit cards, but it’s a good choice for consumers with excellent credit.

Capital One Quicksilver Cash Rewards Credit Card

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Jaap Arriens/NurPhoto via Getty Images
Jaap Arriens/NurPhoto via Getty Images

With no annual fee and the ability to earn unlimited 1.5% cash back on every purchase, it’s easy to see why the Capital One Quicksilver Cash Rewards is one of the best credit cards. This doesn’t even take into consideration the 0% intro APR on purchases and balance transfers for 15 months, no foreign transaction fees (which is perfect for people who love to travel), and no rotating categories.

The Capital One Quicksilver Cash Rewards credit card isn’t the flashiest offer, but it doesn’t come up short in any key areas.

Capital One SavorOne Cash Rewards Credit Card

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Joe Raedle/Getty Images
Joe Raedle/Getty Images

Another rewards credit card from Capital One with no annual fee, SavorOne has a $150 cash bonus if you spend $500 on purchases within the first 3 months from account opening, unlimited 3% cash back on dining and entertainment, 2% cash back at grocery stores, and 1% cash back on all other purchases.

You also gain access to 0% intro APR on purchases and balance transfers for 15 months and cash back that doesn’t expire for as long as you leave your account open.

Wells Fargo Propel American Express Credit Card

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Spencer Platt/Getty Images
Spencer Platt/Getty Images

The Wells Fargo Propel American Express is loaded with features, including 3X points on dining, travel, gas stations, and streaming services. And with 1x points on all other purchases, you’re always getting something in return for the money you spend.

You can also earn 30,000 bonus points if you spend $3,000 in purchases in the first three months of opening an account. Other key features include no annual fee, no foreign transaction fees, and a 0% introductory APR for 12 months.

Bank of America Cash Rewards Credit Card

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Guillaume Payen/SOPA Images/LightRocket via Getty Images
Guillaume Payen/SOPA Images/LightRocket via Getty Images

Bank of America has long been an issuer of high-quality credit cards for consumers with excellent credit. The Bank of America Cash Rewards credit card is a great example of this, with its 3% cash back in the category of your choice, 2% at grocery stores, and 1% on all other purchases.

With no annual fee and a $200 online cash rewards bonus, if you make $1,000 in purchases in the first 90 days of account opening, it’s a straightforward offer with plenty of top-notch features.

Chase Sapphire Preferred Credit Card

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Andy Cross/The Denver Post via Getty Images
Andy Cross/The Denver Post via Getty Images

If you have excellent credit, you’ll want to check out the Chase Sapphire Preferred credit card. Its top feature is 60,000 bonus points if you spend $4,000 in the first three months from account opening. That works out to $750 in travel rewards when you book through the Chase Ultimate Rewards program.

Other features include 2x points on dining and travel and 1x points on all other purchases. There is a $95 annual fee, but that’s on the low end for a credit card with all these features.

Blue Cash Preferred Card from American Express

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Matt Winkelmeyer/Getty Images for American Express
Matt Winkelmeyer/Getty Images for American Express

You get a lot of bang for your buck with the Blue Cash Preferred Card from American Express. That includes 6% cash back at supermarkets, up to $6,000 per year, along with 3% cash back on gas and transit. All other purchases earn you 1% cash back.

You get all of this, along with a $250 statement credit if you spend $1,000 in purchases on your new card within the first three months, for an annual fee of $95.

Chase Freedom Credit Card

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Justin Sullivan/Getty Images
Justin Sullivan/Getty Images

Similar in many ways to the Chase Freedom Unlimited credit card, this offer is good for a $150 bonus if you spend $500 on purchases in your first three months. While that’s enough to get you started, other benefits include 5% cash back in bonus categories and 1% cash back on all other purchases.

There is no annual fee, a 0% introductory APR for 15 months on purchases and balance transfers, rewards that are available for as long as your account is active.

American Express Gold Card

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John Moore/Getty Images
John Moore/Getty Images

The American Express Gold Card has long been a favorite of consumers with excellent credit in the market for a card with top of the line features. Even though there’s a $250 annual fee, you get features in return like 4X Membership Rewards points on dining and supermarket purchases and 3X Membership Rewards points on flights booked through American Express or directly with an airline carrier.

There’s also 35,000 Membership Rewards Points if you spend $2,000 on eligible purchases within the first 3 months, and an annual $100 airline fee credit. All of these features make the American Express Gold Card a solid choice for anyone with excellent credit.

U.S. Bank Cash+ Visa Signature Credit Card

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Roberto Machado Noa/LightRocket via Getty Images
Roberto Machado Noa/LightRocket via Getty Images

The U.S. Bank Cash+ Visa Signature credit card often flies under the radar, but it’s chock full of features that make it the perfect choice for consumers with excellent credit. There’s no annual fee, you can earn up to $550 cash back in the first year, and there’s a 0% introductory APR on balance transfers for 12 billing cycles.

U.S. Bank has a reputation for being reliable, fair, safe, and secure. When combined with the features of this card, it’s an offer that deserves your attention.

Bank of America Travel Rewards Visa Credit Card

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Roberto Machado Noa/LightRocket via Getty Images
Roberto Machado Noa/LightRocket via Getty Images

Although it shares many features with the Bank of America Cash Rewards credit card, the Bank of America Travel Rewards Visa credit card has no problem standing on its own. In addition to unlimited 1.5 points per $1 spent on all purchases, there is no annual fee, a 0% Introductory APR for 12 billing cycles, and enhanced chip technology for the most advanced security in the industry.

Bank of America has offers for consumers with all types of credit, but this one is perfect for those with an excellent score.

Citi Rewards+ Credit Card

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Justin Sullivan/Getty Images
Justin Sullivan/Getty Images

No annual fee, the ability to earn 15,000 bonus points for $1,000 in purchases during the first three months of opening an account, and a 0% introductory APR on purchases and balance transfers for 15 months are just some of the features that make the Citi Rewards+ an attractive choice.

And that doesn’t have anything to do with the fact that Citi is one of the most trusted brands in the financial industry.

Marriott Bonvoy Bold Credit Card

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Stan Grossfeld/The Boston Globe via Getty Images
Stan Grossfeld/The Boston Globe via Getty Images

Do you enjoy staying at Marriott properties when you travel? If so, the Marriott Bonvoy Bold credit card is a great addition to your financial toolbox. There is no annual fee, and you will earn 3X Bonvoy points for every dollar you spend at nearly 7,000 participating Marriott hotels.

You’ll also earn 2x points for other travel purchases, and 1x for everything else. And best yet, you’re rewarded 15 Elite Night credits per calendar year.

ABOC Platinum Rewards Mastercard Credit Card

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Igor Golovniov/SOPA Images/LightRocket via Getty Images
Igor Golovniov/SOPA Images/LightRocket via Getty Images

The ABOC Platinum Rewards Mastercard doesn’t have the same name recognition as many other offers on our list, but it’s still a good choice for consumers with excellent credit. You can earn 5x rewards on up to $1,500 in purchases in select categories, along with 1x points on all other purchases.

There’s a 0% introductory APR for 12 months on purchases and balance transfers, no annual fee, and a $150 statement credit for spending $1,200 within the first 90 days of opening an account.

Citi Double Cash Card

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EMMANUEL DUNAND/AFP/Getty Images
EMMANUEL DUNAND/AFP/Getty Images

The name says it all: The Citi Double Cash Card allows you to earn cash back twice. You earn 2% on every purchase you make, along with an additional 1% when you pay your bill.

Other key features of the Citi Double Cash Card include no annual fee, a 0% introductory rate on balance transfers for 18 months, and an industry competitive purchase APR. While there’s a lot to like about the Citi Double Cash credit card, it’s the cash back you earn that makes it worth your while.

Chase Sapphire Reserve Credit Card

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Chris McGrath/Getty Images
Chris McGrath/Getty Images

Although the Chase Sapphire Reserve credit card has a $450 annual fee, you more than make up for it in benefits. You earn 3X points on travel and restaurant purchases, along with 1 point per dollar spent in every other category.

Also, you can earn 50,000 bonus points if you spend $4,000 on purchases in the three months after opening an account. Even better, when you book travel directly through Chase Ultimate Rewards, you get 50 percent more value from your points.

The Platinum Card from American Express

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Alexander Tamargo/Getty Images for American Express
Alexander Tamargo/Getty Images for American Express

When you hear the words platinum and credit card together, you assume it’s a top-notch offer. And that assumption is true when it comes to the Platinum Card from American Express. You receive 5X Membership Rewards points on flights booked directly through American Express, as well as prepaid hotel stays.

Other cool features include Uber VIP status, access to the Global Lounge Collection, and a $200 airline fee credit per calendar year.

The Blue Business Plus Credit Card from American Express

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Matthew Eisman/Getty Images for American Express
Matthew Eisman/Getty Images for American Express

We wanted to include at least one business credit card on the list, and the Blue Business Plus Credit Card from American Express is clearly one of the best. In addition to earning 2X Membership Rewards points on everyday business purchases, there’s no annual fee and 0.0% intro APR on purchases and balance transfers for 12 months after opening an account.

If you have excellent credit, let it work in favor of your business.