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Excellent Credit

These credit cards are for people who have excellent credit. Our objective opinion is included on each card.

1. Citi® Platinum Select® MasterCard®

Citi® Platinum Select® MasterCard® Apply Now See Details
Interest Rate: As low as 11.99%
Intro Rate: 0% APR for up to 12 Months
Grace Period: 20 Days (Min.)
Credit Limit: n/a
Annual Fee: None

Special Offers: The introductory rate is available on purchases and balance transfers for up to twelve months.

Our Opinion: An attractive card if you have good or excellent credit. Offers 0% interest rate for up to 12 months on purchases and balance transfers. No annual fee. Length of intro period will be 12 or 6 months, depending on review of your application and credit history. Balance transfer fee is 3% ($5 minimum, no maximum). Platinum cardholder benefits include auto rental insurance, fraud protection services, up to $1,000,000 in travel accident insurance, and retail protection insurance. (Not designed for applicants with average or poor credit)

2. Discover® More(SM) Card

Discover® More(SM) Card Apply Now See Details
Interest Rate: As low as 11.99%
Intro Rate: 0% Intro APR*
Grace Period: 25 Days (Min.)
Credit Limit: up to $50,000
Annual Fee: None

Special Offers: There is a 0% introductory APR* on purchases and balance transfers for 6 months. *See terms and conditions for complete details.

Our Opinion: Created for those with very good credit who want a cash reward card. 5% Cashback Bonus® in categories like travel, gas, restaurants, home, apparel, and movies (categories rotate every 3 months). Purchases that are part of your first $3,000 earn .25%, earn a full 1% unlimited Cashback Bonus® on all other purchases after your total annual purchases exceed $3,000. Redeem in $50 increments; no limit for amount earned. Double your Cashback Bonus® when you redeem points with partners such as AMC Theaters, Borders Books and Music, Pier 1, Gap and Red Lobster. Benefits include travel accident insurance, auto rental insurance, and various security and fraud protection services. This card will benefit those who pay off their balance each month, spend at least $3,000 a year (to receive the 1% cash rebate) and use their cashback awards at participating retailers (to receive double cash rebates).

3. Capital One® No Hassle Miles(SM) Rewards - Excellent Credit

Capital One® No Hassle Miles(SM) Rewards - Excellent Credit Apply Now See Details
Interest Rate: 13.90% Variable
Intro Rate: 0% on Purchases Until May 2010
Grace Period: 25 Days
Credit Limit: N/A
Annual Fee: None

Special Offers: A 0% introductory rate is available on purchases until May 2010. See terms and conditions for complete details.

Our Opinion: The Capital One® No Hassle Miles(SM) Rewards - MasterCard® Excellent 1x - 2x Miles Rewards is for people with excellent credit and is by far one of the best and least costly airline reward cards available. Through the rewards program, cardholders earn 1 mile per dollar spent on all purchases and two miles for each dollar spent above $1,000. Miles are redeemable for flights on any airline with no blackout dates, merchandise, and gift certificates. Miles can also be donated to participating charities. This card has no annual fee and a reasonably low interest rate for purchases also offers a 0% introductory APR on purchases until May 2010.

4. Miles by Discover® Card

Miles by Discover® Card Apply Now See Details
Interest Rate: as low as 11.99%
Intro Rate: 0% Intro APR*
Grace Period: 25 Days (Min.)
Credit Limit: n/a
Annual Fee: None

Special Offers: There is a 0% introductory APR* on purchases and balance transfers for 6 months. See terms and conditions for complete details.

Our Opinion: Created for those with good credit who want a travel reward card with a low interest rate. Earn 1 mile per $1 spent on regular purchases. Redeem miles for reduced or free airfare most major U.S. airlines (no blackout dates). Receive 12,000 bonus miles. Double Miles on up to $3,000 in restaurant and travel purchases each year. Earn up to 60,000 miles per year; unused miles will expire in 3 years if the account is inactive. 30,000 miles for round-trip coach ticket. You can also redeem miles for cash, merchandise or gift cards such as $100 Home Depot gift card (14,400 miles) or 1 night stay at a Marriott Hotel (14,900 miles). Benefits include travel accident insurance (up to $500,000), and auto rental insurance.

5. Capital One® No Hassle Miles(SM) Ultra - For Professionals

Capital One® No Hassle Miles(SM) Ultra - For Professionals Apply Now See Details
Interest Rate: 13.90% Variable
Intro Rate: 0% on Purchases Until May 2010
Grace Period: 25 Days
Credit Limit: N/A
Annual Fee: $39

Special Offers: A 0% introductory rate is available on purchases until May 2010. See terms and conditions for complete details.

Our Opinion: Created for professionals with excellent credit who want to earn airlines miles or gift cards rewards. One of the most generous reward offers: 2 miles per $1 spent on all purchases. Earn unlimited miles each year; miles do not expire. Use miles on any airline, anytime. There are no seat restrictions or blackout dates. Miles may also be redeemed for merchandise and gift cards. Benefits include purchase insurance and emergency roadside assistance. No fee for balance transfers.

6. Discover® Open Road(SM) Card

Discover® Open Road(SM) Card Apply Now See Details
Interest Rate: 11.99%
Intro Rate: 0% Intro APR*
Grace Period: 25 Days (Min.)
Credit Limit: up to $50,000
Annual Fee: None

Special Offers: There is a 0% introductory APR* on purchases and balance transfers for 6 months. See terms and conditions for complete details.

Our Opinion: With a low APR, this is a good choice for those with very good credit. 5% cashback on gas and auto maintenance purchases; the 5% rebate is limited to the first $100 in combined gas and auto maintenance each month. Purchases that are part of your first $3,000 earn .25%, earn a full 1% unlimited Cashback Bonus® on all other purchases after your total annual purchases exceed $3,000. Platinum card members can enroll in the Get More program and receive 5% Cashback Bonus® in reward categories that rotate every 3 months (such as gas/auto, clothing/education, restaurants, travel and more). Exchange your cash reward for up to double the amount in gift cards or certificates from Discover Card Partners. Computes balances for purchases with two-cycle daily balance method which usually results in higher finance charges. This card benefits those who will pay off their card each month and charge up to $1,200 on gas and auto maintenance each year (to maximize the rebate).

7. Simmons First Visa Platinum

Simmons First Visa Platinum Apply Now
Interest Rate: 7.25% Fixed
Intro Rate: None
Grace Period: 25 Days
Credit Limit: N/A
Annual Fee: None

Special Offers: No transaction fee for balance transfers.

Our Opinion: You must have EXCELLENT credit to qualify or you will be rejected. This card also has a low cash advance rate. Benefits include travel insurance and auto rental insurance.

8. Discover® Motiva(SM) Card

Discover® Motiva(SM) Card Apply Now See Details
Interest Rate: as low as 11.99%
Intro Rate: 3.99% Intro APR*
Grace Period: 25 Days (Min.)
Credit Limit: n/a
Annual Fee: None

Special Offers: There is a 3.99% introductory APR* on purchases for 6 months and a 3.99% introductory APR* on balance transfers for 12 months. See terms and conditions for complete details.

Our Opinion: Created for those with good credit who carry a balance, pay on time, and want to earn cash for their purchases. Extended low rate for balance transfers. Purchases that are part of your first $3,000 earn .25%, earn a full 1% unlimited Cashback Bonus® on all other purchases after your total annual purchases exceed $3,000. Earn unlimited rebates; rebates do not expire if there is activity within a 36-month period. Cardholders who make 6 on-time payments in a row qualify for a pay-on-time bonus that provides a credit toward the payment of their next month's interest. The bonus is available twice a year when monthly payments are received on time. Benefits include auto rental insurance and up to $500,000 in travel accident insurance. This card will benefit those who will spend over $3,000 a year (to earn the full 1% cash rebate), plan to use the card for balance transfers, and pay on time every month.

9. IberiaBank Visa® Platinum Rewards Card

IberiaBank Visa® Platinum Rewards Card Apply Now See Details
Interest Rate: As low as 9.75%*
Intro Rate: 0% APR for 6 Months
Grace Period: 25 Days
Credit Limit: n/a
Annual Fee: None

Special Offers: Low Introductory APR on balance transfers for your first 6 billing cycles. Applies to balance transfers processed within three months of your account open date.

Our Opinion: Created for those with very good credit who will use the reward program. Earn 1 point per $1 spent. Use points for travel and gift certificates for participating merchants. Low interest rate for purchases and cash advances, for those who qualify.

10. IberiaBank Visa® Gold Cash Back Rewards Card

IberiaBank Visa® Gold Cash Back Rewards Card Apply Now See Details
Interest Rate: As low as 9.75%*
Intro Rate: 0% APR for 6 Months
Grace Period: 25 Days
Credit Limit: n/a
Annual Fee: None

Special Offers: Low Introductory APR on balance transfers for your first 6 billing cycles. Applies to balance transfers processed within three months of the account open date.

Our Opinion: Created for those with very good credit who want a cash reward card. Earn 1% rebate per $1 spent. Earn unlimited rebates; rebates do not expire. Low interest rate for those qualify. Same low rate for cash advances. Benefits include travel accident insurance.

11. IberiaBank Visa® Classic Card

IberiaBank Visa® Classic Card Apply Now See Details
Interest Rate: As low as 8.75%*
Intro Rate: 0% APR for 6 Months
Grace Period: 25 Days
Credit Limit: n/a
Annual Fee: None

Special Offers: Low Introductory APR on balance transfers for the first 6 billing cycles. Applies to balance transfers processed within three months of account open date.

Our Opinion: Low-rate Visa card created for those with average credit who sometimes carry a balance.

12. Discover® More(SM) Card- American Flag

Discover® More(SM)  Card- American Flag Apply Now See Details
Interest Rate: as low as 11.99%
Intro Rate: 0% Intro APR*
Grace Period: 25 Days (Min.)
Credit Limit: up to $50,000
Annual Fee: None

Special Offers: There is a 0% introductory APR* on purchases and balance transfers for 6 months. *See terms and conditions for complete details.

Our Opinion: Created for those with very good credit who want a cash reward card. Earn 5% Cashback Bonus® in rotating categories like home, gas, restaurants, travel, movies, etc. Purchases that are part of your first $3,000 earn .25%, earn a full 1% unlimited Cashback Bonus® on all other purchases after your total annual purchases exceed $3,000. Purchases made at warehouses and discount stores and earn .25%. Earn double Cashback Bonus® for using your rebate for gift certificates from Discover Card Partners. Earn unlimited rebates each year. Uses the "Two-Cycles Average Daily Balance" method for finance charges. This is typically more costly. Benefits include up to $500,000 in travel accident insurance, and auto rental insurance. This card will benefit those who will spend over $3,000 per year (to get the 1% cash rebate), and will pay in full each month.

13. Simmons First Visa Platinum Rewards

Simmons First Visa Platinum Rewards Apply Now
Interest Rate: 8.95% Fixed
Intro Rate: None
Grace Period: 25 Days
Credit Limit: N/A
Annual Fee: None

Special Offers: No transaction fee for balance transfers.

Our Opinion: Created for those with excellent credit who want a choice of rewards. Receive 1 point per $1 spent with this card. Redeem points for a flight on any U.S. based airline, no black out dates, and choice of ticket class. May also redeem points for hotels, cruises, vacation packages, restaurants, and car rental. Benefits include travel insurance and car rental insurance.

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