Top-Tier Credit Cards For Excellent Credit Scores

We suggest offers based on money we make from our partners.

Intro Purchase APR

0%* for 15 months

Regular Purchase APR

19.74% - 29.74% (Variable)

Intro Balance Transfer APR

0%* for 15 months

Regular Balance Transfer APR

19.74% - 29.74% (Variable)

Annual Fee

$0

Rewards

None
Cash Back

Balance Transfer Fee

3% for the first 15 months; 4% at a promotional APR that Capital One may offer you at any other time

Min Credit Needed

GOOD

Return Payment Fee

See Terms*

Foreign Transaction Fee

None

Penalty APR

None

Late Fee

Up to $40

Cash Advance Fee

5% of the amount of the cash advance, but not less than $5

Cash Advance APR

29.74% (Variable)

Card Information

Great for simple cash back

Card Details

  • 0% intro APR on purchases and balance transfers for 15 months; 19.74% - 29.74% 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
  • Earn unlimited 1.5% cash back on every purchase, every day
  • $0 annual fee and no foreign transaction fees
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn

Card Details

  • 0% intro APR on purchases and balance transfers for 15 months; 19.74% - 29.74% 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
  • Earn unlimited 1.5% cash back on every purchase, every day
  • $0 annual fee and no foreign transaction fees
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn

Intro Purchase APR

0%* for 15 months

Regular Purchase APR

19.74% - 29.74% (Variable)

Intro Balance Transfer APR

0%* for 15 months

Regular Balance Transfer APR

19.74% - 29.74% (Variable)

Annual Fee

$0

Min Credit Needed

GOOD

 

Intro Purchase APR

0% for 12 Months

Regular Purchase APR

18.49% - 29.24%* Variable

Intro Balance Transfer APR

0% for 21 Months

Regular Balance Transfer APR

18.49% - 29.24%* Variable

Annual Fee

$0

Rewards

None

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).

Min Credit Needed

GOOD

Return Payment Fee

Up to $41

Foreign Transaction Fee

3%

Penalty APR

N/A

Late Fee

None

Cash Advance Fee

5%, Min: $10

Cash Advance APR

29.74%* Variable

Card Information

Great for a long balance transfer offer

Card Details

  • 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.
  • There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
  • Stay protected with Citi® Quick Lock
  • Rates and fees

Card Details

  • 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.
  • There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
  • Stay protected with Citi® Quick Lock
  • Rates and fees

Intro Purchase APR

0% for 12 Months

Regular Purchase APR

18.49% - 29.24%* Variable

Intro Balance Transfer APR

0% for 21 Months

Regular Balance Transfer APR

18.49% - 29.24%* Variable

Annual Fee

$0

Min Credit Needed

GOOD

 

Intro Purchase APR

N/A

Regular Purchase APR

20.99% - 27.99%* Variable

Intro Balance Transfer APR

N/A

Regular Balance Transfer APR

20.99% - 27.99%* Variable

Annual Fee

$95

Rewards

None
Points

Balance Transfer Fee

5%, Min: $5

Min Credit Needed

GOOD

Return Payment Fee

See Terms*

Foreign Transaction Fee

$0

Penalty APR

Up to 29.99%

Late Fee

See Terms*

Cash Advance Fee

5%, Min: $10

Cash Advance APR

29.74%* Variable

Card Information

Great for maximizing travel rewards

Card Details

  • 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.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. 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, 2027.
  • Member FDIC

Card Details

  • 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.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. 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, 2027.
  • Member FDIC

Intro Purchase APR

N/A

Regular Purchase APR

20.99% - 27.99%* Variable

Intro Balance Transfer APR

N/A

Regular Balance Transfer APR

20.99% - 27.99%* Variable

Annual Fee

$95

Min Credit Needed

GOOD

 

Intro Purchase APR

0% for 15 Months

Regular Purchase APR

17.99% - 27.99%* Variable

Intro Balance Transfer APR

0% for 15 Months

Regular Balance Transfer APR

17.99% - 27.99%* Variable

Annual Fee

$0

Rewards

None
Points

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).

Min Credit Needed

GOOD

Return Payment Fee

Up to $41

Foreign Transaction Fee

3%

Penalty APR

Up to 29.99% Variable

Late Fee

See Terms*

Cash Advance Fee

5%, Min: $10

Cash Advance APR

29.74%* Variable

Card Information

Great for smaller purchases

Card Details

  • 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.
  • 0% Intro APR on balance transfers for 15 months from date of first transfer and on purchases from date of account opening. After that, the variable APR will be 17.99% - 27.99%, based on your creditworthiness. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
  • Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases.
  • The Citi Rewards+® Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
  • No Annual Fee
  • Rates and fees

Card Details

  • 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.
  • 0% Intro APR on balance transfers for 15 months from date of first transfer and on purchases from date of account opening. After that, the variable APR will be 17.99% - 27.99%, based on your creditworthiness. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
  • Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases.
  • The Citi Rewards+® Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
  • No Annual Fee
  • Rates and fees

Intro Purchase APR

0% for 15 Months

Regular Purchase APR

17.99% - 27.99%* Variable

Intro Balance Transfer APR

0% for 15 Months

Regular Balance Transfer APR

17.99% - 27.99%* Variable

Annual Fee

$0

Min Credit Needed

GOOD

 

Intro Purchase APR

N/A

Regular Purchase APR

19.99% - 29.74% (Variable)

Intro Balance Transfer APR

N/A

Regular Balance Transfer APR

19.99% - 29.74% (Variable)

Annual Fee

$95

Rewards

None
Miles

Balance Transfer Fee

$0 at the Transfer APR, 4% of the amount of each transferred balance that posts to your account at a promotional APR that Capital One may offer to you

Min Credit Needed

GOOD

Return Payment Fee

See Terms*

Foreign Transaction Fee

None

Penalty APR

None

Late Fee

Up to $40

Cash Advance Fee

5% of the amount of the cash advance, but not less than $5

Cash Advance APR

29.74% (Variable)

Card Information

Great for high flat-rate travel rewards

Card Details

  • 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
  • Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Receive up to a $120 credit for Global Entry or TSA PreCheck®
  • Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
  • Enjoy a $50 experience credit and other premium benefits with every hotel and vacation rental booked from the Lifestyle Collection
  • Transfer your miles to your choice of 15+ travel loyalty programs

Card Details

  • 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
  • Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Receive up to a $120 credit for Global Entry or TSA PreCheck®
  • Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
  • Enjoy a $50 experience credit and other premium benefits with every hotel and vacation rental booked from the Lifestyle Collection
  • Transfer your miles to your choice of 15+ travel loyalty programs

Intro Purchase APR

N/A

Regular Purchase APR

19.99% - 29.74% (Variable)

Intro Balance Transfer APR

N/A

Regular Balance Transfer APR

19.99% - 29.74% (Variable)

Annual Fee

$95

Min Credit Needed

GOOD

 

Intro Purchase APR

0% intro on purchases for 15 months

Regular Purchase APR

19.74% - 29.74% (Variable)

Intro Balance Transfer APR

0% intro on balance transfers for 15 months

Regular Balance Transfer APR

19.74% - 29.74% (Variable)

Annual Fee

$0

Rewards

None
Miles

Balance Transfer Fee

3% for the first 15 months; 4% at a promotional APR that Capital One may offer you at any other time

Min Credit Needed

GOOD

Return Payment Fee

See Terms*

Foreign Transaction Fee

None

Penalty APR

None

Late Fee

Up to $40

Cash Advance Fee

5% of the amount of the cash advance, but not less than $5

Cash Advance APR

29.74% (Variable)

Card Information

Great for travel rewards with no annual fee

Card Details

  • Enjoy 0% intro APR on purchases and balance transfers for 15 months; 19.74% - 29.74% 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 bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
  • $0 annual fee and no foreign transaction fees
  • Earn unlimited 1.25X miles on every purchase, every day
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
  • Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
  • Transfer your miles to your choice of 15+ travel loyalty programs

Card Details

  • Enjoy 0% intro APR on purchases and balance transfers for 15 months; 19.74% - 29.74% 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 bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
  • $0 annual fee and no foreign transaction fees
  • Earn unlimited 1.25X miles on every purchase, every day
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
  • Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
  • Transfer your miles to your choice of 15+ travel loyalty programs

Intro Purchase APR

0% intro on purchases for 15 months

Regular Purchase APR

19.74% - 29.74% (Variable)

Intro Balance Transfer APR

0% intro on balance transfers for 15 months

Regular Balance Transfer APR

19.74% - 29.74% (Variable)

Annual Fee

$0

Min Credit Needed

GOOD