6 Best Credit Cards for Excellent Credit

6 Best Credit Cards for Excellent Credit

After 20 hours of research evaluating 115 products, we picked Chase Sapphire Preferred® Card as our top choice.

Quick List: 4 Best

The top four picks on our list
#1
Best for Flexible Redemption
Chase Sapphire Preferred® Card
  • It offers a large signup bonus compared with similar cards
  • You'll get a rewards boost if you use your points to book travel through Chase
  • Redeem points for airlines and hotels, without being tied to any specific companies
#2
Best Travel Card for Excellent Credit
The Platinum Card from American Express
  • Premier travel rewards card
  • Lengthy list of perks
  • Widely accepted around the world
#3
Best Fixed Value Travel Rewards Card
Barclaycard Arrival Plus World Elite Mastercard
  • Earn more with 2x the points for every $1 spent!
  • Get rewards for using your rewards with a 5% miles redemption bonus
  • Use rewards to cover travel expenses like AirBnB stays or award ticket fees
#4
Best Overall Chase Credit Card
Chase Sapphire Reserve Credit Card
  • Frequent travelers and fodies earn 3x more points on related purchases
  • Earn an automatic $300 statement credit for travel purchases throughout the year (every year)
  • Get rewards on your rewards when redeemed through Chase Ultimate Rewards, which becomes up to 4.5% back according to Value Penguin
Quick Look: 6 Best Credit Cards for Excellent Credit
The Amex EveryDay Credit Card from American Express
The Amex EveryDay Credit Card from American Express
  • Perfect for frequent spenders
  • No annual fee
  • Bonus for new users
Check on Americanexpress
Capital One Venture Rewards Card
Capital One Venture Rewards Card
  • A simple, no-fuss earning structure and redemption process
  • Flexible rewards: miles don't expire and there are no blackout dates
  • Nerdwallet lauds the card's “Stress-free 2% travel rewards”
Check on Capitalone
Chase Sapphire Reserve Credit Card
Chase Sapphire Reserve Credit Card
  • Frequent travelers and fodies earn 3x more points on related purchases
  • Earn an automatic $300 statement credit for travel purchases throughout the year (every year)
  • Get rewards on your rewards when redeemed through Chase Ultimate Rewards, which becomes up to 4.5% back according to Value Penguin
Check on Creditcards.chase
Barclaycard Arrival Plus World Elite Mastercard
Barclaycard Arrival Plus World Elite Mastercard
  • Earn more with 2x the points for every $1 spent!
  • Get rewards for using your rewards with a 5% miles redemption bonus
  • Use rewards to cover travel expenses like AirBnB stays or award ticket fees
Check on Home.barclaycardus
The Platinum Card from American Express
The Platinum Card from American Express
  • Premier travel rewards card
  • Lengthy list of perks
  • Widely accepted around the world
Check on Americanexpress
Chase Sapphire Preferred® Card
Chase Sapphire Preferred® Card
  • It offers a large signup bonus compared with similar cards
  • You'll get a rewards boost if you use your points to book travel through Chase
  • Redeem points for airlines and hotels, without being tied to any specific companies
Check on Creditcards.chase

Rocking a FICO score of 720 or higher? Congratulations - that’s not a common achievement!

The average FICO score is 700, and only 1 out of every 5 Americans boast a credit score higher than 780. Scores can dip as low as 300, so having a credit score in the 700s or 800s typically requires careful budgeting and a long and impressive history of financial stability.

If you have done a stellar job of building credit over the years, you deserve the rewards that come with one of the best credit cards for excellent credit.

It gets better:

The best credit cards for excellent credit have low APRs, generous cash-back rewards, and hefty sign-on bonuses for responsible people just like you. We’re confident you’ll find a credit card on our list that’s perfect for your lifestyle, whether you prefer free airline miles or like to rack up cash-back rewards.

Not eligible for any of the best credit cards for excellent credit? Not a problem - we’ve got something for every FICO score! Check out our list of the best credit cards for bad credit, or choose one of the best secured cards while you repair or rebuild your credit.

Editorial Note: This content is not provided or commissioned by the credit card issuer. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

This article was last updated February 24, 2018 but some terms and conditions may have changed or are no longer available. For the most accurate and up to date information please consult the terms and conditions found on the issuer website.


Editorial staff

Last updated: February 24, 2018