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:
  • 0% Introductory APR for 18 billing cycles for balance transfers made in the first 60 days, then 11.24% – 21.24% Variable APR.
  • Balance transfer fee of either 3% of the amount of the transfer or $10 (whichever is greater) applies
  • No annual fee
Applying for this card will securely direct you to the issuer's website.
  • Interest Rate:
    11.24% - 21.24% Variable APR on purchases and balance transfers
  • Intro Rate :
    0% Intro APR for 18 billing cycles for balance transfers made in the first 60 days
  • Annual Fee:
    $0
  • Editor Rating :
  • Credit Profile :
    Excellent Credit
Best Card Features:
  • Get 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the APR will be 12.24% – 22.24% based upon your creditworthiness.*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer.
  • Citi Easy Deals(SM) Get what you want for less. Earn Citi Easy Deals Points for the purchases you make with your card. Redeem your points for great online deals on name-brand merchandise, gift cards and even local deals.
Applying for this card will securely direct you to the issuer's website.
  • Interest Rate:
    12.24% - 22.24%* (Variable)
  • Intro Rate :
    0% on purchases and balance transfers for 21 months*
  • Annual Fee:
    $0*
  • Editor Rating :
  • Credit Profile :
    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 13.24% – 23.24% based on your creditworthiness.
Applying for this card will securely direct you to the issuer's website.
  • Interest Rate:
    13.24 - 23.24% (Variable)
  • Intro Rate :
    0% intro APR on purchases and balance transfers for 21 months*
  • Annual Fee:
    $0*
  • Editor Rating :
  • Credit Profile :
    Excellent Credit
Best Card Features:
  • No annual fee
  • $100 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
Applying for this card will securely direct you to the issuer's website.
  • Interest Rate:
    13.24% - 23.24% Variable APR on purchases and balance transfers
  • Intro Rate :
    0% for 12 billing cycles for purchases and for any balance transfers made within 60 days of account opening
  • Annual Fee:
    $0
  • Editor Rating :
  • Credit Profile :
    Excellent Credit
Best Card Features:
  • One-time $100 cash bonus after you spend $500 on purchases within the first 3 months
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or sign ups needed to earn cash rewards; plus, cash back doesn’t expire and there’s no limit to how much you can earn
Applying for this card will securely direct you to the issuer's website.
  • Interest Rate:
    13.24% - 23.24% (Variable)
  • Intro Rate :
    0% intro on purchases until February 2017 and 0% intro on balance transfers until February 2017
  • Annual Fee:
    $0
  • Editor Rating :
  • Credit Profile :
    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 13.24% – 23.24% based on your creditworthiness
Applying for this card will securely direct you to the issuer's website.
  • Interest Rate:
    13.24% - 23.24%* (Variable)
  • Intro Rate :
    0% intro APR for 18 months on balance transfers*
  • Annual Fee:
    $0*
  • Editor Rating :
  • Credit Profile :
    Excellent Credit
Best Card Features:
  • 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
  • 20,000 online bonus points if you make at least $1,000 in purchases in the first 90 days – that can be a $200 statement credit toward travel purchases
Applying for this card will securely direct you to the issuer's website.
  • Interest Rate:
    15.24% - 23.24% Variable APR on purchases and balance transfers
  • Intro Rate :
    0% for 12 billing cycles on purchases
  • Annual Fee:
    $0
  • Editor Rating :
  • Credit Profile :
    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%, 19.24% or 23.24%* Variable
  • Intro Rate :
    0% intro APR for the first 12 months on purchases, plus 0% intro APR for the first 12 months on balance transfers made within the first 45 days of account opening
  • Annual Fee:
    $0
  • Editor Rating :
  • Credit Profile :
    Excellent Credit
Best Card Features:
  • Industry Leading APR: This card has an extremely low on-going APR on both purchases as well as balance transfers, making it a fantastic option for anyone considering carrying an on-going balance.
  • Unique Rewards Program: Get rewarded through the GivebackTM program, where Barclaycard Ring members can get money back for good performance!
  • Social Card: This card comes with a social online community to help you learn about the card, financial responsibility, and other information. You can vote on new product features and benefits, and take advantage of having your voice heard in the future of the card.
Applying for this card will securely direct you to the issuer's website.
  • Interest Rate:
    8.25%* Variable
  • Intro Rate :
    None
  • Annual Fee:
    $0
  • Editor Rating :
  • Credit Profile :
    Excellent 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:
    7.50% Variable
  • Intro Rate :
    N/A
  • Annual Fee:
    No Annual Fee
  • Editor Rating :
  • Credit Profile :
    Excellent Credit
Best Card Features:
  • 0% Intro APR on Purchases and Balance Transfers for 15 months. After that, the variable APR will be 13.24%-23.24% 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:
    13.24% - 23.24%* (Variable)
  • Intro Rate :
    0% Intro APR on purchases and balance transfers for 15 months
  • Annual Fee:
    $0*
  • Editor Rating :
  • Credit Profile :
    Excellent Credit
Best Card Features:
  • Earn 30,000 American Airlines AAdvantage® bonus miles after making $1,000 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:
    14.24% - 22.24%* (Variable)
  • Intro Rate :
    None
  • Annual Fee:
    $95, waived for first 12 months*
  • Editor Rating :
  • Credit Profile :
    Excellent Credit
Best Card Features:
  • Designed for businesses with an established credit history
  • Earn 30,000 American Airlines AAdvantage® bonus miles after making $1,000 in purchases within the first 3 months of account opening*
  • First checked bag is free on domestic American Airlines flights 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:
    15.49% (Variable)
  • Intro Rate :
    None
  • Annual Fee:
    $95, waived for first 12 months*
  • Editor Rating :
  • Credit Profile :
    Excellent Credit
Best Card Features:
  • Enjoy a one-time bonus of 40,000 miles once you spend $3,000 on purchases within the first 3 months, 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:
    13.24% - 23.24% (Variable)
  • Intro Rate :
    N/A
  • Annual Fee:
    $0 intro for first year; $59 after that
  • Editor Rating :
  • Credit Profile :
    Good Credit
Best Card Features:
  • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within the first 3 months, 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:
    12.24% - 22.24% (Variable)
  • Intro Rate :
    0% intro on purchases until May 2017
  • Annual Fee:
    $0
  • Editor Rating :
  • Credit Profile :
    Good Credit
Best Card Features:
  • Earn 1.5% cash back on every purchase, every day
  • Plus, a one-time $200 cash bonus once you spend $3,000 on purchases within the first 3 months
  • Pay no annual fee or foreign transaction fees
Applying for this card will securely direct you to the issuer's website.
  • Interest Rate:
    13.24% - 21.24% (Variable)
  • Intro Rate :
    0% on purchases until February 2017
  • Annual Fee:
    $0
  • Editor Rating :
  • Credit Profile :
    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 the first 3 months
  • 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:
    13.24% - 21.24% (Variable)
  • Intro Rate :
    0% on purchases until February 2017
  • Annual Fee:
    $0
  • Editor Rating :
  • Credit Profile :
    Good Credit
Best Card Features:
  • Earn 2% cash back on every purchase, every day
  • Plus, a one-time $500 cash bonus once you spend $4,500 on purchases within the first 3 months
  • Cash rewards 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:
    17.24% (Variable)
  • Intro Rate :
    N/A
  • Annual Fee:
    $0 intro for first year; $59 after that
  • Editor Rating :
  • Credit Profile :
    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 the first 3 months
  • 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:
    17.24% (Variable)
  • Intro Rate :
    N/A
  • Annual Fee:
    $0 intro for first year; $59 after that
  • Editor Rating :
  • Credit Profile :
    Good Credit
Best Card Features:
  • -Earn 40,000 Hilton HHonors™ Bonus Points after making $1,000 in purchases within the first 4 months of account opening.
  • Earn 6 HHonors Bonus Points for each $1 spent at any participating hotel within the Hilton Portfolio.*
Applying for this card will securely direct you to the issuer's website.
  • Interest Rate:
    15.49% - 19.49* (Variable)
  • Intro Rate :
    None
  • Annual Fee:
    None
  • Editor Rating :
  • Credit Profile :
    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 HHonors Bonus Points per $1 spent on hotel stays within the Hilton portfolio*
  • Earn 5 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:
    15.49% (Variable)
  • Intro Rate :
    None
  • Annual Fee:
    $95
  • Editor Rating :
  • Credit Profile :
    Excellent Credit
Best Card Features:
  • 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.
  • Terms and limitations apply
Apply securely through American Express. American Express is a LowCards Partner.
  • Interest Rate:
    15.49-19.49% Variable
  • Intro Rate :
    None
  • Annual Fee:
    $0 introductory annual fee for the first year, then $95
  • Editor Rating :
  • Credit Profile :
    Excellent Credit
Best Card Features:
N/A
Applying for this card will securely direct you to the issuer's website.
  • Interest Rate:
    12.24% - 18.24%* (Variable)
  • Intro Rate :
    N/A
  • Annual Fee:
    $0* intro for the first year, then $55*
  • Editor Rating :
  • Credit Profile :
    Excellent Credit
Best Card Features:
  • Earn 10,000 bonus points when you spend $500 in net purchases during the first 90 days after opening your account
  • Earn 3 points per dollar on net purchases in one category of your choice: Day-to-Day Expenses, Automobile or Travel & Entertainment
  • Earn 1 point per dollar on all other net purchases
Applying for this card will securely direct you to the issuer's website.
  • Interest Rate:
    12.24% to 18.24% Variable
  • Intro Rate :
    0% intro APR on purchases for the first 9 billing cycles
  • Annual Fee:
    $0
  • Editor Rating :
  • Credit Profile :
    Excellent Credit
Best Card Features:
  • 3% cash back on cellular, gas and office supply store net purchases
  • 1% cash back on all other net purchases
  • No cap on total rewards and they never expire!
Applying for this card will securely direct you to the issuer's website.
  • Interest Rate:
    12.24% - 18.24%* (Variable)
  • Intro Rate :
    0%* for 9 billing cycles on purchases*
  • Annual Fee:
    $0*
  • Editor Rating :
  • Credit Profile :
    Excellent Credit
Best Card Features:
  • Special Offer: get up to 20,000 Membership Rewards® points
  • Get 10,000 Membership Rewards® points after making your first purchase on the Card within your first 3 months of Card Membership
  • Terms & Restrictions Apply
Apply securely through American Express. American Express is a LowCards Partner.
  • Interest Rate:
    11.49%-19.49% Variable
  • Intro Rate :
    0% on purchases for 9 months
  • Annual Fee:
    $0
  • Editor Rating :
  • Credit Profile :
    Excellent Credit
Best Card Features:
  • Earn 5,000 bonus points after your first purchase in the first 90 days
  • 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:
    14.24% - 24.99% (Variable)
  • Intro Rate :
    0% intro on purchases until March 2017
  • Annual Fee:
    $0
  • Editor Rating :
  • Credit Profile :
    Good Credit
Best Card Features:
  • Get 25,000 bonus Starpoints® after you use your Card to make $5,000 in purchases within the first 3 months.
  • No Foreign Transaction Fees on international purchases.
  • Receive free in-room, premium internet access. Booking requirements apply.
Apply securely through American Express. American Express is a LowCards Partner.
  • Interest Rate:
    15.49-19.49% Variable
  • Intro Rate :
    N/A
  • Annual Fee:
    $0 introductory annual fee for the first year, then $95
  • Editor Rating :
  • Credit Profile :
    Excellent Credit
Best Card Features:
  • Get 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
  • 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 $95
  • Editor Rating :
  • Credit Profile :
    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 Profile :
    Excellent Credit
Best Card Features:
  • Get 25,000 Membership Rewards® points after you spend $5,000 in purchases on the Card within the first 3 months of Card Membership.
  • Get 3x points – Choose 1 out of 5 categories.
  • 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 $175
  • Editor Rating :
  • Credit Profile :
    Excellent Credit
Best Card Features:
  • $250 Air Travel Credit each year
  • Complimentary 4th Night for any hotel stay
  • Earn 50,000 bonus ThankYou® Points after $3,000 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:
    15.49* (Variable)
  • Intro Rate :
    None
  • Annual Fee:
    $450
  • Editor Rating :
  • Credit Profile :
    Excellent Credit
Best Card Features:
  • Welcome Offer: Get 40,000 Membership Rewards® points after you spend $5,000 in purchases on the Card within your first 3 months of Card Membership.
  • 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:
    $450
  • Editor Rating :
  • Credit Profile :
    Excellent Credit
Best Card Features:
  • Earn 5,000 bonus points after first purchase in your first 90 days
  • 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:
    14.24% - 24.99% (Variable)
  • Intro Rate :
    0% intro on purchases until March 2017
  • Annual Fee:
    $0
  • Editor Rating :
  • Credit Profile :
    Excellent Credit
Best Card Features:
  • Earn a new cardmember bonus of $150 after you spend $500 in net purchases on your card within the first 90 days of account opening.
  • 3% cash back on all cellular, gas and office supply store net purchases
  • 1% cash back on all other net purchases
Applying for this card will securely direct you to the issuer's website.
  • Interest Rate:
    12.24% - 18.24%* (Variable)
  • Intro Rate :
    0%* for 9 billing cycles on purchases*
  • Annual Fee:
    $0*
  • Editor Rating :
  • Credit Profile :
    Excellent Credit