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Excellent Credit

These credit cards are for people who have excellent credit, or a credit score generally classified as 750 and above. These cards come from a variety of categories, such as low interest, balance transfer, and travel cards, so it's important to check each term for each card to find the right card for you. Our objective opinion is included on each card.

Each card below contains our editor’s rating and objective opinion. Most of the credit card offers shown below are from our advertising partners, however LowCards editors have reviewed each of the features and benefits of the cards below and sorted them in order of our editor’s opinion:

Best Card Features:
  • Get 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the APR will be 12.99% – 22.99% based upon your creditworthiness.*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer.
  • 24/7 access to Citi® Concierge for help in booking hotels, flights and more.
Applying for this card will securely direct you to the issuer's website.
  • Interest Rate:
    12.99% - 22.99%* (Variable)
  • Intro Rate :
    0% on purchases and balance transfers for 21 months*
  • Annual Fee:
    $0*
  • Editor Rating :
  • Credit
    Recommended:
    Excellent Credit
Best Card Features:
  • The ONLY card with No Late Fees, No Penalty Rate and No Annual Fee…EVER
  • 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the variable APR will be 13.99% – 23.99% based on your creditworthiness.
Applying for this card will securely direct you to the issuer's website.
  • Interest Rate:
    13.99% - 23.99% (variable)
  • Intro Rate :
    0% intro APR on purchases and balance transfers for 21 months*
  • Annual Fee:
    $0*
  • Editor Rating :
  • Credit
    Recommended:
    Excellent Credit
Best Card Features:
  • Enjoy a one-time bonus of 40,000 miles once you spend $3,000 on purchases within 3 months of approval, equal to $400 in travel
  • Earn unlimited 2X miles per dollar on every purchase, every day
  • Fly any airline, stay at any hotel, anytime
Applying for this card will securely direct you to the issuer's website.
  • Interest Rate:
    13.49% - 23.49% (Variable)
  • Intro Rate :
    N/A
  • Annual Fee:
    $0 intro for first year; $59 after that
  • Editor Rating :
  • Credit
    Recommended:
    Good Credit
Best Card Features:
  • One-time $100 cash bonus after you spend $500 on purchases within 3 months of approval
  • Earn unlimited 1.5% cash back on every purchase, every day
Applying for this card will securely direct you to the issuer's website.
  • Interest Rate:
    13.49% - 23.49% (Variable)
  • Intro Rate :
    0% intro on purchases for 9 months; 0% intro on balance transfers for 9 months
  • Annual Fee:
    $0
  • Editor Rating :
  • Credit
    Recommended:
    Good Credit
Best Card Features:
  • Earn cash back twice on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • Balance Transfers do not earn cash back
  • 0% Intro APR on Balance Transfers for 18 months. After that, the variable APR will be  13.49% – 23.49% based on your creditworthiness
Applying for this card will securely direct you to the issuer's website.
  • Interest Rate:
    13.49% - 23.49%* (Variable)
  • Intro Rate :
    0% intro APR for 18 months on balance transfers*
  • Annual Fee:
    $0*
  • Editor Rating :
  • Credit
    Recommended:
    Excellent Credit
Best Card Features:
  • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within 3 months of approval, equal to $200 in travel
  • Earn unlimited 1.25 miles per dollar on every purchase, every day and pay no annual fee
  • Fly any airline, stay at any hotel, anytime
Applying for this card will securely direct you to the issuer's website.
  • Interest Rate:
    12.49% - 22.49% (Variable)
  • Intro Rate :
    0% intro on purchases for 12 months
  • Annual Fee:
    $0
  • Editor Rating :
  • Credit
    Recommended:
    Good Credit
Best Card Features:
  • 0% Introductory APR for the first 15 months on purchases. Plus, you’ll get a 0% introductory APR for 15 months on Balance Transfers made within 45 days of account opening. After that, a variable APR will apply, 13.49%
  • No balance transfer fees
  • No foreign transaction fees
Applying for this card will securely direct you to the issuer's website.
  • Interest Rate:
    13.49% Variable
  • Intro Rate :
    0% 15 months (on balance transfers made within 45 days of account opening)
  • Annual Fee:
    $0
  • Editor Rating :
  • Credit
    Recommended:
    Excellent Credit
Best Card Features:
  • Get a $100 cash rewards bonus after you spend $500 in purchases in the first 90 days after account opening
  • Earn unlimited 1.5% cash rewards on every purchase
  • Every time you redeem, get a 5% cash rewards redemption bonus to use toward your next redemption
Applying for this card will securely direct you to the issuer's website.
  • Interest Rate:
    15.24%, 20.24% or 25.24%* Variable
  • Intro Rate :
    0% 15 months (on balance transfers made within 45 days of account opening)
  • Annual Fee:
    $0
  • Editor Rating :
  • Credit
    Recommended:
    Excellent Credit
Best Card Features:
  • Earn 75,000 Hilton HHonorsTM Bonus Points after making $2,000 in purchases within the first 3 months of account opening*
  • Earn 6 HHonors Bonus Points for each $1 spent at any participating hotel within the Hilton Portfolio.*
  • Earn 3 HHonors Bonus Points for each $1 spent on purchases at supermarkets, drugstores and gas stations.*
  • Earn 2 HHonors Bonus Points for each $1 spent on all other purchases.*
Applying for this card will securely direct you to the issuer's website.
  • Interest Rate:
    15.74% - 19.74%* (Variable)
  • Intro Rate :
    None
  • Annual Fee:
    None
  • Editor Rating :
  • Credit
    Recommended:
    Excellent Credit
Best Card Features:
  • Exclusively for Costco Members: Go Big with Cash Back Rewards
  • 4% cash back on eligible gas for the first $7,000 per year and then 1% thereafter
  • 3% cash back on restaurants and eligible travel purchases
  • 2% cash back on all other purchases from Costco and Costco.com
  • 1% cash back on all other purchases”
Applying for this card will securely direct you to the issuer's website.
  • Interest Rate:
    15.74%* (Variable)
  • Intro Rate :
    0% for 7 months on purchases*
  • Annual Fee:
    $0
  • Editor Rating :
  • Credit
    Recommended:
    Excellent Credit
Best Card Features:
  • Earn 2 weekend night certificates good at select hotels and resorts within the Hilton Portfolio after you make $2,500 in purchases within 4 months of account opening*
  • Earn 10 Hilton HHonors Bonus Points per $1 spent on hotel stays within the Hilton Portfolio*
  • Earn 5 Hilton HHonors Bonus Points per $1 spent on airline and car rental purchases*
Applying for this card will securely direct you to the issuer's website.
  • Interest Rate:
    15.74% (Variable)
  • Intro Rate :
    None
  • Annual Fee:
    $95
  • Editor Rating :
  • Credit
    Recommended:
    Excellent Credit
Best Card Features:
  • Earning unlimited 1.5% cash back could mean thousands of dollars each year going back into your business
  • Plus, a one-time $200 cash bonus once you spend $3,000 on purchases within 3 months of approval
  • Save on interest with 0% intro APR on purchases for 9 months; 13.49%-21.49% variable APR after that
Applying for this card will securely direct you to the issuer's website.
  • Interest Rate:
    13.49% - 21.49% (Variable)
  • Intro Rate :
    0% on purchases for 9 months
  • Annual Fee:
    $0
  • Editor Rating :
  • Credit
    Recommended:
    Good Credit
Best Card Features:
  • Earn 1.5 miles per $1 on every purchase, every day
  • Plus, a one-time bonus of 20,000 miles once you spend $3,000 on purchases within 3 months of approval
  • Miles don’t expire, and there are no categories to limit where or what you buy
Applying for this card will securely direct you to the issuer's website.
  • Interest Rate:
    13.49% - 21.49% (Variable)
  • Intro Rate :
    0% on purchases for 9 months
  • Annual Fee:
    $0
  • Editor Rating :
  • Credit
    Recommended:
    Good Credit
Best Card Features:
  • Low On-Going APR: This card has an extremely low on-going APR, one of the lowest available.
  • Travel Benefits: This card features up to $1,000,000.00 in travel accident insurance along with over travel protection benefits.
  • Low Cash Advance APR: This card also has an extremely low cash advance APR.
Applying for this card will securely direct you to the issuer's website.
  • Interest Rate:
    7.75% Variable
  • Intro Rate :
    N/A
  • Annual Fee:
    No Annual Fee
  • Editor Rating :
  • Credit
    Recommended:
    Excellent Credit
Best Card Features:
  • Earn 15,000 bonus points after $1,000 in purchases made with your card in the first 3 months the account is open.*
  • 0% intro APR on Purchases and Balance Transfers for 12  months.  After that, the variable APR will be 13.49%-23.49% based upon your creditworthiness*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.*
Applying for this card will securely direct you to the issuer's website.
  • Interest Rate:
    13.49% - 23.49%* (Variable)
  • Intro Rate :
    0% Intro APR on purchases and balance transfers for 12 months
  • Annual Fee:
    $0*
  • Editor Rating :
  • Credit
    Recommended:
    Excellent Credit
Best Card Features:
  • For a limited time, earn 50,000 American Airlines AAdvantage® bonus miles after making $3,000 in purchases within the first 3 months of account opening*
  • First checked bag is free on domestic American Airlines itineraries for you and up to four companions traveling with you on the same reservation*
  • Enjoy Group 1 Boarding on American Airlines flights*
Applying for this card will securely direct you to the issuer's website.
  • Interest Rate:
    16.24% - 24.24%* (Variable)
  • Intro Rate :
    None
  • Annual Fee:
    $95, waived for first 12 months*
  • Editor Rating :
  • Credit
    Recommended:
    Excellent Credit
Best Card Features:
  • Designed for businesses
  • For a limited time, earn 50,000 American Airlines AAdvantage® bonus miles after making $3,000 in purchases within the first 3 months of account opening*
  • First checked bag is free on domestic American Airlines itineraries for you and up to four companions traveling with you on the same reservation*
Applying for this card will securely direct you to the issuer's website.
  • Interest Rate:
    16.24%* (Variable)
  • Intro Rate :
    None
  • Annual Fee:
    $95, waived for first 12 months*
  • Editor Rating :
  • Credit
    Recommended:
    Excellent Credit
Best Card Features:
  • Earning unlimited 2% cash back could mean thousands of dollars each year going back into your business
  • Plus, a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months of approval
  • Use Spark Cash across all your business spend, with no categories to limit your purchasing
Applying for this card will securely direct you to the issuer's website.
  • Interest Rate:
    17.49% (Variable)
  • Intro Rate :
    N/A
  • Annual Fee:
    $0 intro for first year; $59 after that
  • Editor Rating :
  • Credit
    Recommended:
    Good Credit
Best Card Features:
  • Earn 2 miles per $1 on every purchase, every day
  • Plus, a one-time bonus of 50,000 miles once you spend $4,500 on purchases within 3 months of approval
  • Miles don’t expire, and there are no categories to limit where or what you buy
Applying for this card will securely direct you to the issuer's website.
  • Interest Rate:
    17.49% (Variable)
  • Intro Rate :
    N/A
  • Annual Fee:
    $0 intro for first year; $59 after that
  • Editor Rating :
  • Credit
    Recommended:
    Good Credit
Best Card Features:
  • LIMITED TIME OFFER: 10X points at U.S. restaurants for the first six months, on up to $2,000 in purchases. Offer expires 02/22/2017.
  • 2X points on all qualifying purchases on the first $50,000 for the first year. That’s an additional 1 point per dollar spent on purchases.
  • 10,000 Membership Rewards® points after making your first purchase on the Card within your first 3 months of Card Membership.
Apply securely through American Express. American Express is a LowCards Partner.
  • Interest Rate:
    11.74% - 19.74% Variable
  • Intro Rate :
    0% on purchases for 12 months
  • Annual Fee:
    $0
  • Editor Rating :
  • Credit
    Recommended:
    Excellent Credit
Best Card Features:
  • Earn 5,000 bonus points after your first purchase within 90 days of approval
  • 10 points per $1 spent on all PlayStation® Store purchases
  • 3 points per $1 spent on PlayStation® and Sony® purchases at authorized retailers, with purchase confirmation
Applying for this card will securely direct you to the issuer's website.
  • Interest Rate:
    14.49% - 24.99% (Variable)
  • Intro Rate :
    0% intro on purchases until December 2017
  • Annual Fee:
    $0
  • Editor Rating :
  • Credit
    Recommended:
    Good Credit
Best Card Features:
  • Limited Time Offer: Earn up to 35,000 bonus Starpoints® – Offer ends 04/05/2017
  • Earn 25,000 bonus Starpoints® after you use your new Card to make $5,000 in purchases within the first 3 months.
  • Earn an extra 10,000 bonus Starpoints® after you make an additional $3,000 in purchases within the first 6 months.
Apply securely through American Express. American Express is a LowCards Partner.
  • Interest Rate:
    15.74% - 19.74% Variable
  • Intro Rate :
    N/A
  • Annual Fee:
    $0 introductory annual fee for the first year, then $95
  • Editor Rating :
  • Credit
    Recommended:
    Excellent Credit
Best Card Features:
  • Earn 5,000 Membership Rewards® points after your first purchase on the Card
  • Earn double Membership Rewards® points for each dollar of eligible purchases made when you book on the American Express Travel website
  • Earn one Membership Rewards® point for each dollar you spend on eligible purchases
Apply securely through American Express. American Express is a LowCards Partner.
  • Interest Rate:
    N/A
  • Intro Rate :
    N/A
  • Annual Fee:
    $0 introductory annual fee for the first year, then $95
  • Editor Rating :
  • Credit
    Recommended:
    Excellent Credit
Best Card Features:
  • Make business travel more rewarding. Earn 30,000 bonus miles after you make $1,000 in purchases on your new Card within your first 3 months.
  • Additionally, earn a $50 statement credit after you make a Delta purchase with your new Card within your first 3 months.
  • Earn 2 Miles per dollar spent on purchases made directly with Delta. Earn 1 mile on every eligible dollar spent on purchases.
Apply securely through American Express. American Express is a LowCards Partner.
  • Interest Rate:
    15.74% - 19.74% Variable
  • Intro Rate :
    None
  • Annual Fee:
    $0 introductory annual fee for the first year, then $95
  • Editor Rating :
  • Credit
    Recommended:
    Excellent Credit
Best Card Features:
  • Paying early pays off: Get a 1.5% discount when you pay early, with no cap on what you can earn back.
  • Take up to 60 days to pay with no interest, if you pay your minimum due.
  • Terms and limitations apply
Apply securely through American Express. American Express is a LowCards Partner.
  • Interest Rate:
    N/A
  • Intro Rate :
    N/A
  • Annual Fee:
    $0 introductory annual fee for the first year, then $250
  • Editor Rating :
  • Credit
    Recommended:
    Excellent Credit
Best Card Features:
  • Special Offer: Earn 50,000 Membership Rewards® points after you spend $5,000 in purchases on the Card within your first 3 months of Card Membership.
  • Get 3x points – Choose 1 out of 5 categories.
  • Plus, 2X points on the 4 remaining categories and 1X points on other purchases.
Apply securely through American Express. American Express is a LowCards Partner.
  • Interest Rate:
    N/A
  • Intro Rate :
    N/A
  • Annual Fee:
    $0 introductory annual fee for the first year, then $175
  • Editor Rating :
  • Credit
    Recommended:
    Excellent Credit
Best Card Features:
  • $250 Air Travel Credit each year
  • 4th night hotel benefit for any hotel stay at hotels booked through the Citi Prestige® Concierge.
  • Earn 40,000 bonus points after $4,000 in purchases made with your card in the first 3 months the account is open.
Applying for this card will securely direct you to the issuer's website.
  • Interest Rate:
    15.74%* (Variable)
  • Intro Rate :
    None
  • Annual Fee:
    $450
  • Editor Rating :
  • Credit
    Recommended:
    Excellent Credit
Best Card Features:
  • Welcome Offer: Earn up to 75,000 Membership Rewards® points.
  • Earn 50,000 Membership Rewards points after you spend $10,000 and an extra 25,000 points after you spend an additional $10,000 all on qualifying purchases within your first 3 months of Card Membership.
  • Get 50% more Membership Rewards® points. That’s 1.5 points per dollar, on each qualifying purchase of $5,000 or more. You can get up to 1 million additional points per year.
Apply securely through American Express. American Express is a LowCards Partner.
  • Interest Rate:
    N/A
  • Intro Rate :
    N/A
  • Annual Fee:
    $450
  • Editor Rating :
  • Credit
    Recommended:
    Excellent Credit
Best Card Features:
  • Earn 5,000 bonus points after your first purchase within 90 days of approval
  • 5 points per $1 spent on Sony® purchases at authorized retailers, with purchase confirmation
  • 3 points per $1 spent on movie theaters, movie rentals, music downloads, and digital streaming and subscription services
Applying for this card will securely direct you to the issuer's website.
  • Interest Rate:
    14.49% - 24.99% (Variable)
  • Intro Rate :
    0% intro on purchases until December 2017
  • Annual Fee:
    $0
  • Editor Rating :
  • Credit
    Recommended:
    Excellent Credit