Credit cards for excellent scores
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CK Editors’ Tips††: Excellent credit provides you with a wide range of options when looking for a new credit card.Read more
What to consider when choosing a credit card for excellent credit
When you have excellent credit, you can likely qualify for a range of terrific credit cards with eye-catching rewards and perks. But it’s important to remember that the best card for you isn’t always the one that offers the most features. If you don’t typically spend a lot in certain bonus categories or won’t use some credits and perks, you might end up paying more for questionable value.
When you have excellent credit, you can likely qualify for a range of terrific credit cards with eye-catching rewards and perks. But it’s important to remember that the best card for you isn’t always the one that offers the most features. If you don’t typically spend a lot in certain bonus categories or won’t use some credits and perks, you might end up paying more for questionable value.
How we picked the best credit cards for excellent credit
People with excellent credit can normally qualify for a wide range of credit cards, and our selections for the best credit cards for excellent credit feature different rewards opportunities. Whether you’re looking for simple cash back with no annual fee or high-value travel, there’s likely a rewards card that fits your needs on our list. Read more about our methodology for picking the best credit cards.
Jump to editors’ picksPeople with excellent credit can normally qualify for a wide range of credit cards, and our selections for the best credit cards for excellent credit feature different rewards opportunities. Whether you’re looking for simple cash back with no annual fee or high-value travel, there’s likely a rewards card that fits your needs on our list. Read more about our methodology for picking the best credit cards.
Great for simple cash back††
Great for simple cash back††
Capital One Quicksilver Cash Rewards Credit Card
Rewards rate
1.5% - 5%Cash backAnnual fee
$0Welcome bonus
$200
Rewards rate
1.5% - 5% Cash back
Annual fee
$0
Welcome bonus
$200
- 0% intro APR on purchases and balance transfers for 15 months; 19.49% - 29.49% variable APR after that; balance transfer fee applies, 3% fee on the amounts transferred within the first 15 months, 4% at a promotional APR that Capital One may offer you at any other time
- Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
Great for smaller purchases††
Great for smaller purchases††
Citi Rewards+® Card
Rewards rate
1x - 5xPoints per dollarAnnual fee
$0Welcome bonus
20,000PointsEditors' bonus estimate
up to $200
Rewards rate
1x - 5x Points per dollar
Annual fee
$0
Welcome bonus
20,000 Points
Editors' bonus estimate
up to $200
- Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com
- Plus, as a special offer, earn a total of 5 ThankYou® Points per $1 spent on hotel, car rentals and attractions booked on CitiTravel.com through December 31, 2025.
Great for maximizing travel rewards††
Great for maximizing travel rewards††
Chase Sapphire Preferred® Card
Rewards rate
1x - 5xPoints per dollarAnnual fee
$95Welcome bonus
60,000PointsEditors' bonus estimate
up to $1,278
Rewards rate
1x - 5x Points per dollar
Annual fee
$95
Welcome bonus
60,000 Points
Editors' bonus estimate
up to $1,278
- Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
- 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.
Great for a long balance transfer offer††
Great for a long balance transfer offer††
Citi Simplicity® Card
Intro balance transfer APR
0% for 21 MonthsRegular balance transfer APR
18.49% - 29.24%* VariableBalance transfer fee
Intro fee 3% of each transfer ($5 min) completed within the first 4 months of account opening. After that, 5% of each transfer ($5 min).Annual fee
$0
Intro balance transfer APR
0% for 21 Months
Regular balance transfer APR
18.49% - 29.24%* Variable
Balance transfer fee
Intro fee 3% of each transfer ($5 min) completed within the first 4 months of account opening. After that, 5% of each transfer ($5 min).
Annual fee
$0
- No Late Fees, No Penalty Rate, and No Annual Fee... Ever
- 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 18.49% - 29.24%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
Great for high flat-rate travel rewards††
Great for high flat-rate travel rewards††
Capital One Venture Rewards Credit Card
Rewards rate
2x - 5xMiles per dollarAnnual fee
$95Welcome bonus
75,000MilesEditors' bonus estimate
up to $1,590
Rewards rate
2x - 5x Miles per dollar
Annual fee
$95
Welcome bonus
75,000 Miles
Editors' bonus estimate
up to $1,590
- Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
- Earn unlimited 2X miles on every purchase, every day
Great for choosing your top category††
Great for choosing your top category††
Bank of America® Customized Cash Rewards credit card
Rewards rate
1% - 3%Cash backAnnual fee
$0Welcome bonus
$200
Rewards rate
1% - 3% Cash back
Annual fee
$0
Welcome bonus
$200
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.
Great for travel rewards with no annual fee††
Great for travel rewards with no annual fee††
Bank of America® Travel Rewards credit card
Rewards rate
1.5xPoints per dollarAnnual fee
$0Welcome bonus
25,000PointsEditors' bonus estimate
up to $250
Rewards rate
1.5x Points per dollar
Annual fee
$0
Welcome bonus
25,000 Points
Editors' bonus estimate
up to $250
- Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire as long as your account remains open.
- 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.
Great for a long balance transfer offer††
Great for a long balance transfer offer††
Citi® Diamond Preferred® Card
Intro balance transfer APR
0% for 21 monthsRegular balance transfer APR
17.49% - 28.24%* VariableBalance transfer fee
5%, Min: $5Annual fee
$0
Intro balance transfer APR
0% for 21 months
Regular balance transfer APR
17.49% - 28.24%* Variable
Balance transfer fee
5%, Min: $5
Annual fee
$0
- 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 17.49% - 28.24%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
- There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
Great for high flat-rate cash back††
Great for high flat-rate cash back††
Citi Double Cash® Card
Rewards rate
1% - 5%Cash backAnnual fee
$0Welcome bonus
$200
Rewards rate
1% - 5% Cash back
Annual fee
$0
Welcome bonus
$200
- Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
- Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, a special travel offer, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/25.
Great for high cash back rates††
Great for high cash back rates††
Capital One Savor Cash Rewards Credit Card
Rewards rate
1% - 8%Cash backAnnual fee
$0Welcome bonus
$200
Rewards rate
1% - 8% Cash back
Annual fee
$0
Welcome bonus
$200
- 0% intro APR on purchases and balance transfers for 15 months; 19.49% - 29.49% variable APR after that; balance transfer fee applies, 3% fee on the amounts transferred within the first 15 months, 4% at a promotional APR that Capital One may offer you at any other time
- Earn a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening
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†† The opinions you read here come from our editorial team. Intuit Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our editors' opinions. Our marketing partners don’t review, approve or endorse our editorial content. It’s accurate to the best of our knowledge when it’s posted.