Credit Cards for 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:
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EDITOR RATING
Best Card Features: Bonus Offer, Points Rewards
- Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 toward travel when you redeem through Chase Ultimate Rewards®
- 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
- Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 60,000 points are worth $750 toward travel
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Regular APR17.74% - 24.74% Variable
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Intro APRN/A
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Annual Fee$95
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Good/Excellent Credit 725 - 799
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EDITOR RATING
Best Card Features: 2X miles on every purchase; bonus of 50,000 miles once $3,000 is spent in first 3 months
- Enjoy a one-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel
- Earn 2X miles on every purchase, every day. Plus earn 10X miles on thousands of hotels, through January 2020; learn more at hotels.com/venture
- Named ‘The Best Travel Card’ by CNBC, 2018
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Regular APR17.49% - 24.74% (Variable)
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Intro APRN/A
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Annual Fee$0 intro for first year; $95 after that
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Good Credit 700 - 749
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EDITOR RATING
Best Card Features: No Annual Fee, Bonus Offer, Cash Back
- Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening.
- Earn unlimited 1.5% cash back on all purchases.
- 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.74-25.49%.
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Regular APR16.74% - 25.49% Variable
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Intro APR0% Intro APR on Balance Transfers for 15 months; 0% Intro APR on Purchases for 15 months
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Annual Fee$0
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Good/Excellent Credit 725 - 799
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EDITOR RATING
Best Card Features: No annual fee, no penalty APR; free FICO® Score
- 0% Introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 14.74% – 24.74% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers
- No annual fee
- No penalty APR. Paying late won’t automatically raise your interest rate (APR). Other account pricing and terms apply
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Regular APR14.74% - 24.74% Variable APR on purchases
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Intro APR0% Introductory APR on purchases for 18 billing cycles; 0% Intro APR for 18 billing cycles for any balance transfers made in the first 60 days
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Annual Fee$0
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Excellent Credit 750- 850
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EDITOR RATING
Best Card Features: 0% APR for 21 months on Balance Transfers and 12 months on Purchases; no annual fee, late fee or penalty rate
- No Late Fees, No Penalty Rate, and No Annual Fee… Ever
- 0% Intro APR on balance transfers for 21 months from date of first transfer. All transfers must be completed in first 4 months. After that, the variable APR will be 16.24% – 26.24%, based on your creditworthiness.
- 0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 16.24% – 26.24%, based on your creditworthiness.
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Regular APR16.24% - 26.24% (Variable)
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Intro APR0% for 21 months on Balance Transfers; 0% for 12 months on Purchases
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Annual Fee$0
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Good/Excellent Credit 725 - 799
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EDITOR RATING
Best Card Features: 1.5% cash back on all purchases; $150 bonus after spending $500 in first 3 months
- One-time $150 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
- 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
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Regular APR15.74% - 25.74% (Variable)
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Intro APR0% intro on balance transfers for 15 months; 0% intro on purchases for 15 months
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Annual Fee$0
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Good Credit 700 - 749
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EDITOR RATING
Best Card Features: 1.5 points per $1 spent; no annual fee; 25,000 bonus points after spending $1,000 in first 90 days
- 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
- 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening – that can be a $250 statement credit toward travel purchases
- Use your card to book your trip how and where you want – you’re not limited to specific websites with blackout dates or restrictions
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Regular APR16.74% - 24.74% Variable APR on purchases
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Intro APR0% Introductory APR on purchases for 12 billing cycles
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Annual Fee$0
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Excellent Credit 750- 850
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EDITOR RATING
Best Card Features: 4% cash back on dining & entertainment, 2% at grocery stores; $300 bonus after spending $3000 in first 3 months
- Earn a one-time $300 cash bonus after you spend $3000 on purchases within the first 3 months from account opening
- Earn unlimited 4% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases. Plus, earn 8% cash back on tickets at Vivid Seats through May 2020.
- 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
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Regular APR16.24% - 25.24% (Variable)
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Intro APRN/A
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Annual Fee$0 intro for first year; $95 after that
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Good Credit 700 - 749
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EDITOR RATING
Best Card Features: 2 points for every $1 spent on travel & dining; 1.5 points per $1 on other purchases; 50,000 bonus points after spending $3,000 in first 90 days
- Receive 50,000 bonus points – a $500 value – after you make at least $3,000 in purchases in the first 90 days of account opening
- Earn unlimited 2 points for every $1 spent on travel and dining purchases and unlimited 1.5 points per $1 spent on all other purchases
- If you’re a Bank of America Preferred Rewards member, you can earn 25%-75% more points on every purchase
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Regular APR17.74% - 24.74% Variable APR on purchases
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Intro APRN/A
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Annual Fee$95
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Excellent Credit 750- 850
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EDITOR RATING
Best Card Features: $200 bonus after spending $1,000 in first 90 days; no annual fee
- No annual fee
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
- Earn 3% cash back in the category of your choice, 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases
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Regular APR15.74% - 25.74% Variable APR on purchases
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Intro APR0% Introductory APR on purchases for 15 billing cycles; 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days
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Annual Fee$0
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Excellent Credit 750- 850
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EDITOR RATING
Best Card Features: Only card to round up rewards to nearest 10 points; 15,000 bonus points after spending $1,000 in first 3 months
- The Citi Rewards+SM Card – the only credit card that automatically rounds up to the nearest 10 points on every purchase – with no cap.
- Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com
- 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 14.99% – 24.99%, based on your creditworthiness.
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Regular APR14.99% - 24.99% (Variable)
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Intro APR0% for 15 months on Purchases and Balance Transfers
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Annual Fee$0
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Good/Excellent Credit 725 - 799
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EDITOR RATING
Best Card Features: 4% cash back on first $7000 in eligible gas purchases; 3% at restaurants & eligible travel; 2% at Costco & Costco.com
- 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
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Regular APR16.74% (Variable)
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Intro APRN/A
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Annual Fee$0
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Excellent Credit 750- 850
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EDITOR RATING
Best Card Features: No annual fee; $150 statement credit after spending $1,200 in first 90 days; 0% intro APR for 12 months
- 0% Intro APR on Purchases and Balance Transfers for 12 months; after that the variable APR will be 14.65% – 24.65%, based
on your creditworthiness - Earn $150 Statement Credit after you spend $1,200 on purchases within the first 90 days from account opening
- Earn 5x rewards on up to $1,500 in combined purchases each quarter in popular categories such as dining, groceries, travel,
and automotive
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Regular APR14.65%- 24.65% (variable)
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Intro APR0% APR for 12 months on purchases and balance transfers
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Annual Fee$0
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Excellent Credit 750- 850
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EDITOR RATING
Best Card Features: Bonus Offer, Points Rewards, No Blackout dates or seat restrictions on flights
- Earn 40,000 points after you spend $1,000 on purchases in the first 3 months your account is open.
- 3,000 bonus points after your Cardmember anniversary.
- 2 points per $1 spent on Southwest® purchases and Rapid Rewards® hotel and car rental partner purchases.
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Regular APR17.74% - 24.74% Variable
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Intro APRN/A
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Annual Fee$69
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Good/Excellent Credit 725 - 799
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EDITOR RATING
Best Card Features: Bonus Points, Points Rewards, No blackout dates or seat restrictions
- Earn 40,000 points after you spend $1,000 on purchases in the first 3 months your account is open.
- 6,000 bonus points after your Cardmember anniversary.
- 2 points per $1 spent on Southwest® purchases and Rapid Rewards® hotel and car rental partner purchases.
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Regular APR17.74% - 24.74% Variable
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Intro APRN/A
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Annual Fee$99
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Good/Excellent Credit 725 - 799
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EDITOR RATING
Best Card Features: No Foreign Transaction Fees, Bonus Points, $75 Southwest® travel credit each year
- Earn 40,000 points after you spend $1,000 on purchases in the first 3 months your account is open.
- 7,500 bonus points after your Cardmember anniversary.
- $75 Southwest® travel credit each year.
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Regular APR17.74% - 24.74% Variable
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Intro APRN/A
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Annual Fee$149
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Good/Excellent Credit 725 - 799
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EDITOR RATING
Best Card Features: No annual fee; earn 2 AAdvantage® miles for each $1 spent at grocery stores & on eligible American Airlines purchases
- Earn 2 AAdvantage® miles for each $1 spent at grocery stores, including grocery delivery services
- Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases
- Earn 1 AAdvantage® mile for every $1 spent on other purchases
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Regular APR17.49% - 25.49% (Variable)
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Intro APRN/A
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Annual Fee$0
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Good/Excellent Credit 725 - 799
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EDITOR RATING
Best Card Features: Unlimited 1.5% cash back, Bonus cash back
- Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase made for your business
- 0% introductory APR for 12 months on purchases
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Regular APR14.99% - 20.99% Variable
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Intro APR0% Intro APR on Purchases for 12 months
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Annual Fee$0
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Good/Excellent Credit 725 - 799
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EDITOR RATING
Best Card Features: Cash Back Rewards, Bonus Offer, No Annual Fee
- Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening
- Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
- Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
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Regular APR14.99% - 20.99% Variable
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Intro APR0% Intro APR on Purchases for 12 months
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Annual Fee$0
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Good/Excellent Credit 725 - 799
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EDITOR RATING
Best Card Features: Bonus Offer, Points Rewards, No Foreign Transaction Fee
- Earn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That’s $1,000 toward travel when you redeem through Chase Ultimate Rewards®
- Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year
- Earn 1 point per $1 on all other purchases – with no limit to the amount you can earn
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Regular APR17.74% - 22.74% Variable
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Intro APRN/A
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Annual Fee$95
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Good/Excellent Credit 725 - 799
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EDITOR RATING
Best Card Features: Rewards Points, No Annual Fee
- Get a $300 statement credit when you make at least $3,000 in net purchases within 90 days of your account opening – with no annual fee and cash rewards don’t expire.
- Earn 3% cash back in the category of your choice, 2% cash back on dining and unlimited 1% cash back on all other purchases.
- You’ll get 3% and 2% cash back on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter.
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Regular APR13.99% - 23.99% Variable APR on purchases
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Intro APRN/A
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Annual Fee$0.00
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Excellent Credit 750- 850
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EDITOR RATING
Best Card Features: No annual fee; earn 1.5% cash back for every $1 spent; $200 bonus once you spend $3,000 within first 3 months
- Earn unlimited 1.5% cash back for your business on every purchase, everywhere, no limits or category restrictions
- Earn a one-time $200 cash bonus once you spend $3,000 on purchases within the first 3 months from account opening
- Save on interest with 0% intro APR on purchases for 9 months; 14.74% – 22.74% variable APR after that
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Regular APR14.74% - 22.74% (Variable)
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Intro APR0% on purchases for 9 months
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Annual Fee$0
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Good Credit 700 - 749
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EDITOR RATING
Best Card Features: Rewards Points, No Annual Fee
- Earn 25,000 bonus points when you make at least $1,000 in net purchases within 60 days of your account opening which can be redeemed for a $250 statement credit towards travel purchases.
- Earn unlimited 1.5 points for every $1 spent on all purchases everywhere, every time-no matter how much you spend. Points don’t expire.
- Earn 3 points per every dollar spent on travel purchases (car, hotel, airline) booked through the Bank of America® Travel Center – powered by Expedia®.
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Regular APR12.99% - 22.99% Variable APR on purchases
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Intro APRN/A
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Annual Fee$0.00
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Excellent Credit 750- 850
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EDITOR RATING
Best Card Features: No annual fee; earn 1.5X miles for every $1 spent; 20,000 mile bonus once you spend $3,000 within first 3 months
- Earn unlimited 1.5X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won’t expire for the life of the account
- Earn a one-time bonus of 20,000 miles – equal to $200 in travel – once you spend $3,000 on purchases within the first 3 months from account opening
- Earn 5X miles on hotel and rental car bookings through Capital One Travel℠ using a Spark Miles Select card
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Regular APR14.74% - 22.74% (Variable)
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Intro APR0% on purchases for 9 months
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Annual Fee$0
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Good Credit 700 - 749
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EDITOR RATING
Best Card Features: No Annual Fee
- Get a $300 statement credit when you make at least $3,000 in net purchases within 90 days of your account opening.
- Save on interest with a competitive purchase APR.
- No annual fee.
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Regular APR11.99% - 22.99% Variable APR on purchases
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Intro APR0% for 7 billing cycles
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Annual Fee$0.00
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Excellent Credit 750- 850
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EDITOR RATING
Best Card Features: Bonus Offer
- Get 40,000 bonus miles plus Alaska’s Famous Companion Fare from $121 ($99 fare plus taxes and fees from just $22) with this offer. To qualify, make purchases of $2,000 or more within the first 90 days of opening your account.
- Get Alaska’s Famous Companion Fare™ from $121 ($99 plus taxes and fees from $22) every year! That’s right, EACH YEAR on your account anniversary get a companion fare from $121 ($99 plus taxes and fees from $22). Valid on all Alaska flights booked on alaskaair.com with no blackout dates.
- Save with a free checked bag on Alaska flights for you and up to six other guests on the same reservation.
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Regular APR17.74% - 25.74% Variable APR on purchases
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Intro APRN/A
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Annual Fee$50 for the company and $25 per card
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Excellent Credit 750- 850
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EDITOR RATING
Best Card Features: Earn 2% cash back on every purchase; $500 cash bonus after spending $5,000 in first 3 months
- Limited Time Offer: Earn up to $2,000 in cash bonuses
- Earn a $500 cash bonus when you spend $5,000 in the first 3 months and earn $1,500 when you spend $50,000 in the first 6 months of your account opening
- Earn unlimited 2% cash back for your business on every purchase, everywhere, no limits or category restrictions
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Regular APR18.74% (Variable)
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Intro APRN/A
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Annual Fee$0 intro for first year; $95 after that
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Good Credit 700 - 749
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EDITOR RATING
Best Card Features: Earn 2X miles on every $1 spent; 50,000 mile bonus after spending $5,000 in first 3 months
- Limited Time Offer: Earn up to 200,000 bonus miles worth up to $2,000 to spend on travel—flights, hotels and more
- Earn 50,000 bonus miles when you spend $5,000 in the first 3 months and earn 150,000 bonus miles when you spend $50,000 in the first 6 months of your account opening
- Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won’t expire for the life of the account
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Regular APR18.74% (Variable)
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Intro APRN/A
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Annual Fee$0 intro for first year; $95 after that
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Good Credit 700 - 749
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