Best Credit CardsExcellent Credit
Selected from 1,500+ offers for April 2024
Updated Mar 28, 2024Fact checked
By:John Kiernan, Credit Card Editor
|Mar 28, 2024
Reviewed by:Alina Comoreanu, Senior Researcher
Fact checked
The best credit cards for excellent credit can save you a lot of money with initial rewards bonuses of $500+, 5% cash back on select purchases and 0% APRs for 15 months or more. To pick the best offers for people with excellent credit, we analyzed more than 1,500 cards using WalletHub's proprietary 100-point credit card rating system.
Keep in mind that having an excellent credit score does not guarantee you'll get approved for the best credit cards for people with excellent credit. You also need enough income to afford a new credit line, on top of your other debts and other financial obligations.
If you don’t know whether you have excellent credit, you can quickly check your credit score for free on WalletHub.
6 Best Credit Cards for Excellent Credit (April 2024)
Chase Sapphire Preferred® Card: Overall
Capital One Venture Rewards Credit Card:Travel Rewards
Wells Fargo Active Cash® Card:Cash Back
Citi Premier® Card:Initial Bonus
Fifth Third 1% Cash/Back Card:Long 0% APR
WalletHub tracks 1,500+ credit cards (other sites only consider a much smaller number of cards, so they naturally miss a lot of great cards)
WalletHub picks the best credit cards overall (other sites pick the best cards from their advertising partners)
WalletHub uses a sophisticated card rating system to objectively find the best cards (other sites’ picks are influenced by their own biases)
WalletHub has 100% editorial independence (other sites just provide a billboard for advertisers)
WalletHub does not have a conflict of interest (other sites are biased due to promoting their own lending and banking offers)
WalletHub has 15+ years of credit card experience (other sites simply don’t have the same expertise)
WalletHub's best credit card picks and ratings are completely independent and not provided, commissioned, or endorsed by any issuer.In addition, our editors follow a strict editorial policy.Some offers may come from WalletHub's advertising partners.WalletHub independently collected information forsome of the cards on this page.
BEST OVERALL
Best Travel Credit Card for Excellent Credit
4.1WalletHub Rating
WalletHub Rating
4.1
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated the card for various cardholder needs and picked the rating for the need most relevant to this page ("Earn Travel Rewards"). The rating for this card may vary on other pages where a different need is used. A rating of 5 is the best a card can receive.
Editor’s Rating
5.0
User Reviews
3.9
Market Comparison
4.0
fees: 3.3
rewards: 4.0
cost: 4.0
Other Features: 5.0
Regular APR
21.49% - 28.49% (V)
Annual Fee
$95
Rewards Rate
1 - 5 points / $1
Bonus Offer
60,000 points
Accepted Credit
Excellent, Good
Regular APR
21.49% - 28.49% (V)
Annual Fee
$95
Rewards Rate
1 - 5 points / $1
Bonus Offer
60,000 points
Accepted Credit
Excellent, Good
Editors’ Thoughts
Why We Like It: The Chase Sapphire Preferred® Card is the best credit card for people with excellent credit who want a big initial bonus, a high credit limit and solid ongoing rewards. Chase Sapphire Preferred starts you off with a spending limit of at least $5,000 and gives a bonus of 60,000 points for spending $4,000 within 3 months of opening an account.
That bonus is worth$750 in travel booked through Chase Travel. Plus, you will earn 1 - 5 points per $1 in rewards on purchases.
What We Don’t Like: There is an annual fee of $95 and a high APR. The annual fee is worth paying to get the card's rewards, but you’ll need to pay the bill in full monthly to avoid interest charges that could quickly eat into your savings.
Who Should Get It: Consider applying for Chase Sapphire Preferred if you’ll be able to comfortably spend $4,000 in the first 3 months after opening an account. In addition, it’s best if you travel fairly regularly and have no issues booking travel accommodations through Chase Travel.
Pros, Cons & More Details
Pros
- 60,000 points - initial bonus
- Up to 6.25% back when redeeming for travel
- No foreign transaction fees
Cons
- $95 Annual fee
- 1 point per $1 base earn rate
Rewards Details
- Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.
- Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
- Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
- Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
Interest Rate Breakdown
| Balance | APY |
|---|
Additional Info
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- Member FDIC
- More Details & Reviews About Chase Sapphire Preferred® Card
Pros, Cons & Details
Best Cash Back Credit Card for Excellent Credit
4.4WalletHub Rating
WalletHub Rating
4.4
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated the card for various cardholder needs and picked the rating for the need most relevant to this page ("Earn Rewards"). The rating for this card may vary on other pages where a different need is used. A rating of 5 is the best a card can receive.
Editor’s Rating
5.0
User Reviews
3.1
Market Comparison
4.4
fees: 3.8
rewards: 4.7
cost: 4.7
Other Features: 0.0
Purchase intro APR
0% for 15 months from account opening
Transfer intro APR
0% for 15 months from account opening on qualifying balance transfers
Transfer Fee: 3% intro for 120 days, then up to 5% (min $5)
Regular APR
20.24% - 29.99% Variable
Annual Fee
$0
Rewards Rate
2% Cash Rewards
Bonus Offer
$200 Cash Rewards
Accepted Credit
Excellent, Good
Purchase intro APR
0% for 15 months from account opening
Transfer intro APR
0% for 15 months from account opening on qualifying balance transfers
Transfer Fee: 3% intro for 120 days, then up to 5% (min $5)
Regular APR
20.24% - 29.99% Variable
Annual Fee
$0
Rewards Rate
2% Cash Rewards
Bonus Offer
$200 Cash Rewards
Accepted Credit
Excellent, Good
Editors’ Thoughts
Why We Like It: The Wells Fargo Active Cash® Card is the best everyday rewards credit card for people who want hassle-free cash back earnings. It gives 2% cash rewards on purchases, which is roughly twice what the average cash back credit card gives. Wells Fargo Active Cash also offers an initial bonus of $200 cash rewards after spending $500 in the first 3 months. It has a $0 annual fee, too.
What We Don’t Like: This card has a high regular APR, but you can avoid feeling the effects of this drawback by paying your full statement balance by the due date every month.
Who Should Get It: Consider applying for Wells Fargo Active Cash if you want to earn generous rewards without much hassle. Even if you have other rewards cards with higher maximum earning rates, their minimum rewards rates are likely much lower than what Wells Fargo Active Cash offers.
Pros, Cons & More Details
Pros
- $200 cash rewards bonus
- $0 annual fee
- 2% cash rewards on purchases
- 0% introductory APR
Cons
- High regular APR
- Foreign transaction fee
- Balance transfer fee
Rewards Details
- Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
- Earn unlimited 2% cash rewards on purchases.
- No categories to track or remember and cash rewards don't expire as long as your account remains open.
Interest Rate Breakdown
| Balance | APY |
|---|
Additional Info
- Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
- 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers. 20.24%, 25.24%, or 29.99% Variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
- $0 annual fee.
- Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
- More Details & Reviews About Wells Fargo Active Cash® Card
Pros, Cons & Details
Best 0% Credit Card for Excellent Credit
4.5WalletHub Rating
WalletHub Rating
4.5
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated the card for various cardholder needs and picked the rating for the need most relevant to this page ("Finance New Purchases"). The rating for this card may vary on other pages where a different need is used. A rating of 5 is the best a card can receive.
Market Comparison
4.5
fees: 5.0
rewards: 3.3
cost: 4.1
APR: 5.0
Purchase intro APR
0% for 21 months
Transfer intro APR
0% for 21 months
Transfer Fee: 4% (min $5)
Regular APR
16.24% - 27.24% (V)
Annual Fee
$0
Rewards Rate
1% Cash Back
Accepted Credit
Excellent
Purchase intro APR
0% for 21 months
Transfer intro APR
0% for 21 months
Transfer Fee: 4% (min $5)
Regular APR
16.24% - 27.24% (V)
Annual Fee
$0
Rewards Rate
1% Cash Back
Accepted Credit
Excellent
Editors’ Thoughts
Why We Like It: The Fifth Third 1% Cash/Back Card is the best 0% APR credit card for people with excellent credit. It offers an introductory APR of 0% for 21 months on new purchases and balance transfers. It also has a $0 annual fee.
The introductory APR period is much longer than average, and no other cards offering 0% interest for this long give rewards too. The Fifth Third 1% Cash/Back Card rewards you with 1% cash back on all purchases.
What We Don’t Like: The regular APR is 16.24% - 27.24% (V), and the balance transfer fee is 4% (min $5).
Who Should Get It: Apply for the Fifth Third 1% Cash/Back Card if you want to save on interest and earn cash rewards on purchases.
Pros, Cons & More Details
Pros
- No membership fees
- 0% intro APR on purchases
- 0% intro APR on balance transfers
- No foreign fee
Cons
- No initial rewards bonus
- Balance transfer fee
- Requires excellent credit
Rewards Details
- Earn unlimited 1% cash back on every purchase with no caps, and no expiration of rewards
Interest Rate Breakdown
| Balance | APY |
|---|
Additional Info
- Cell phone protection.
- Current customers can apply online. New customers can visit a branch location or call at Fifth Third Bank.
- More Details & Reviews About Fifth Third 1% Cash/Back Card
Pros, Cons & Details
TRAVEL REWARDS
Best Travel Credit Card for Excellent Credit
4.1WalletHub Rating
WalletHub Rating
4.1
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated the card for various cardholder needs and picked the rating for the need most relevant to this page ("Earn Travel Rewards"). The rating for this card may vary on other pages where a different need is used. A rating of 5 is the best a card can receive.
Editor’s Rating
5.0
User Reviews
3.9
Market Comparison
4.0
fees: 3.3
rewards: 4.0
cost: 4.0
Other Features: 5.0
Regular APR
21.49% - 28.49% (V)
Annual Fee
$95
Rewards Rate
1 - 5 points / $1
Bonus Offer
60,000 points
Accepted Credit
Excellent, Good
Regular APR
21.49% - 28.49% (V)
Annual Fee
$95
Rewards Rate
1 - 5 points / $1
Bonus Offer
60,000 points
Accepted Credit
Excellent, Good
Editors’ Thoughts
Why We Like It: The Chase Sapphire Preferred® Card is the best credit card for people with excellent credit who want a big initial bonus, a high credit limit and solid ongoing rewards. Chase Sapphire Preferred starts you off with a spending limit of at least $5,000 and gives a bonus of 60,000 points for spending $4,000 within 3 months of opening an account.
That bonus is worth$750 in travel booked through Chase Travel. Plus, you will earn 1 - 5 points per $1 in rewards on purchases.
What We Don’t Like: There is an annual fee of $95 and a high APR. The annual fee is worth paying to get the card's rewards, but you’ll need to pay the bill in full monthly to avoid interest charges that could quickly eat into your savings.
Who Should Get It: Consider applying for Chase Sapphire Preferred if you’ll be able to comfortably spend $4,000 in the first 3 months after opening an account. In addition, it’s best if you travel fairly regularly and have no issues booking travel accommodations through Chase Travel.
Pros, Cons & More Details
Pros
- 60,000 points - initial bonus
- Up to 6.25% back when redeeming for travel
- No foreign transaction fees
Cons
- $95 Annual fee
- 1 point per $1 base earn rate
Rewards Details
- Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.
- Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
- Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
- Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
Interest Rate Breakdown
| Balance | APY |
|---|
Additional Info
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- Member FDIC
- More Details & Reviews About Chase Sapphire Preferred® Card
Pros, Cons & Details
Best Excellent-Credit Credit Card for Flexible Travel Rewards
3.9WalletHub Rating
WalletHub Rating
3.9
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated the card for various cardholder needs and picked the rating for the need most relevant to this page ("Earn Travel Rewards"). The rating for this card may vary on other pages where a different need is used. A rating of 5 is the best a card can receive.
Editor’s Rating
5.0
User Reviews
3.8
Market Comparison
3.7
fees: 3.3
rewards: 4.0
cost: 3.8
Other Features: 0.0
Regular APR
19.99% - 29.99% (V)
Annual Fee
$95
Rewards Rate
2 - 5 miles / $1
Bonus Offer
75,000 miles
Accepted Credit
Excellent, Good
Regular APR
19.99% - 29.99% (V)
Annual Fee
$95
Rewards Rate
2 - 5 miles / $1
Bonus Offer
75,000 miles
Accepted Credit
Excellent, Good
Editors’ Thoughts
Why We Like It:The Capital One Venture Rewards Credit Card is one of the best credit cards for travel rewards because it offers high earning rates, charges a relatively low fee, and has generous redemption policies. For starters, Capital One Venture gives you a bonus of 75,000 miles (worth $750 in travel) for spending $4,000 in the first 3 months. That bonus covers the cost of the Venture card’s annual fee for several years, so the 2 - 5 miles per $1 spent that the card yields on purchases will be pure savings.
Perhaps most importantly, you can redeem your rewards for any recent travel purchase charged to your card. You don’t have to book your travel through a certain portal or travel provider.
What We Don’t Like: The annual fee is $95, and carrying a balance from month to month will result in expensive interest charges.
Who Should Get It: Consider applying for the Capital One Venture Rewards Credit Card if you like to travel but don’t want to commit to a single airline or hotel chain.
Pros, Cons & More Details
Pros
- 75,000 miles initial bonus
- Unlimited 2 miles per $1 on every purchase
- Redeem for any-travel related expense
- $0 foreign transaction fee
Cons
- Terrible cash back redemption rate
- Not built for financing
Rewards Details
- Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
- Earn unlimited 2X miles on every purchase, every day
- Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
- Miles won't expire for the life of the account and there's no limit to how many you can earn
- Receive up to a $100 credit for Global Entry or TSA PreCheck®
- Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
- Enrich every hotel stay from the Lifestyle Collection with a suite of cardholder benefits, like a $50 experience credit, room upgrades, and more
- Transfer your miles to your choice of 15+ travel loyalty programs
Interest Rate Breakdown
| Balance | APY |
|---|
Pros, Cons & Details
Best Initial Bonus for Excellent Credit
4.0WalletHub Rating
WalletHub Rating
4.0
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated the card for various cardholder needs and picked the rating for the need most relevant to this page ("Earn Rewards"). The rating for this card may vary on other pages where a different need is used. A rating of 5 is the best a card can receive.
Editor’s Rating
4.6
User Reviews
3.9
Market Comparison
4.0
fees: 2.9
rewards: 3.8
cost: 4.7
Other Features: 0.0
Regular APR
21.24% - 29.24% (V)
Annual Fee
$95
Rewards Rate
1 - 3 points / $1
Bonus Offer
60,000 points
Accepted Credit
Excellent, Good
Regular APR
21.24% - 29.24% (V)
Annual Fee
$95
Rewards Rate
1 - 3 points / $1
Bonus Offer
60,000 points
Accepted Credit
Excellent, Good
Editors’ Thoughts
Why We Like It: The Citi Premier® Card offers an initial bonus of 60,000 points for spending $4,000 in the first 3 months. Cardholders also get a total of 10 points per $1 spent on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel portal through June 30, 2024, 3 points per $1 spent at restaurants, supermarkets and gas stations, 3 points per $1 on air travel and hotels, and 1 point per $1 on all other purchases.
What We Don’t Like: The Citi Premier® Card has a $95 annual fee and has a high APR.
Who Should Get It: Consider applying for Citi Premier if you can comfortably earn the initial bonus and card’s bonus rewards match your spending habits.
Pros, Cons & More Details
Pros
- 60,000 points initial bonus
- 3 points per $1 spent on travel, gas, dining and at supermarkets (1 point per $1 on everything else)
- No foreign-transaction fees
Cons
- $95 annual fee
- No 0% intro rates
- High regular APR
Rewards Details
- Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening. Plus, for a limited time, earn a total of 10 ThankYou® Points per $1 spent on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel℠ portal through June 30, 2024.
- Earn 3 Points per $1 spent at Gas Stations, Air Travel and Other Hotels
- Earn 3 Points per $1 spent at Restaurants and Supermarkets
- Earn 1 Point per $1 spent on all other purchases
- Annual Hotel Savings Benefit
- 60,000 ThankYou® Points are redeemable for $600 in gift cards or travel rewards at thankyou.com
- No expiration and no limit to the amount of points you can earn with this card
Interest Rate Breakdown
| Balance | APY |
|---|
Additional Info
- No Foreign Transaction Fees on purchases
- More Details & Reviews About Citi Premier® Card
Pros, Cons & Details
CASH BACK
Best Cash Back Credit Card for Excellent Credit
4.4WalletHub Rating
WalletHub Rating
4.4
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated the card for various cardholder needs and picked the rating for the need most relevant to this page ("Earn Rewards"). The rating for this card may vary on other pages where a different need is used. A rating of 5 is the best a card can receive.
Editor’s Rating
5.0
User Reviews
3.1
Market Comparison
4.4
fees: 3.8
rewards: 4.7
cost: 4.7
Other Features: 0.0
Purchase intro APR
0% for 15 months from account opening
Transfer intro APR
0% for 15 months from account opening on qualifying balance transfers
Transfer Fee: 3% intro for 120 days, then up to 5% (min $5)
Regular APR
20.24% - 29.99% Variable
Annual Fee
$0
Rewards Rate
2% Cash Rewards
Bonus Offer
$200 Cash Rewards
Accepted Credit
Excellent, Good
Purchase intro APR
0% for 15 months from account opening
Transfer intro APR
0% for 15 months from account opening on qualifying balance transfers
Transfer Fee: 3% intro for 120 days, then up to 5% (min $5)
Regular APR
20.24% - 29.99% Variable
Annual Fee
$0
Rewards Rate
2% Cash Rewards
Bonus Offer
$200 Cash Rewards
Accepted Credit
Excellent, Good
Editors’ Thoughts
Why We Like It: The Wells Fargo Active Cash® Card is the best everyday rewards credit card for people who want hassle-free cash back earnings. It gives 2% cash rewards on purchases, which is roughly twice what the average cash back credit card gives. Wells Fargo Active Cash also offers an initial bonus of $200 cash rewards after spending $500 in the first 3 months. It has a $0 annual fee, too.
What We Don’t Like: This card has a high regular APR, but you can avoid feeling the effects of this drawback by paying your full statement balance by the due date every month.
Who Should Get It: Consider applying for Wells Fargo Active Cash if you want to earn generous rewards without much hassle. Even if you have other rewards cards with higher maximum earning rates, their minimum rewards rates are likely much lower than what Wells Fargo Active Cash offers.
Pros, Cons & More Details
Pros
- $200 cash rewards bonus
- $0 annual fee
- 2% cash rewards on purchases
- 0% introductory APR
Cons
- High regular APR
- Foreign transaction fee
- Balance transfer fee
Rewards Details
- Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
- Earn unlimited 2% cash rewards on purchases.
- No categories to track or remember and cash rewards don't expire as long as your account remains open.
Interest Rate Breakdown
| Balance | APY |
|---|
Additional Info
- Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
- 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers. 20.24%, 25.24%, or 29.99% Variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
- $0 annual fee.
- Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
- More Details & Reviews About Wells Fargo Active Cash® Card
Pros, Cons & Details
No Annual Fee Credit Card for Excellent Credit
4.3WalletHub Rating
WalletHub Rating
4.3
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated the card for various cardholder needs and picked the rating for the need most relevant to this page ("Earn Rewards"). The rating for this card may vary on other pages where a different need is used. A rating of 5 is the best a card can receive.
Editor’s Rating
4.2
Market Comparison
4.3
fees: 3.8
rewards: 4.4
cost: 4.7
Other Features: 0.0
Transfer intro APR
0% for 15 billing cycles
Transfer Fee: 3% (min $5)
Regular APR
20.24% - 30.24% (V)
Annual Fee
$0
Rewards Rate
2% Cash Back
Bonus Offer
$100
Accepted Credit
Excellent
Transfer intro APR
0% for 15 billing cycles
Transfer Fee: 3% (min $5)
Regular APR
20.24% - 30.24% (V)
Annual Fee
$0
Rewards Rate
2% Cash Back
Bonus Offer
$100
Accepted Credit
Excellent
Editors’ Thoughts
Why We Like It: The TD Double Up Credit Card offers an initial bonus of $100 after spending $1,000 in the first 90 days. You will also earn 2% cash back on all purchases with this card, and you won’t have to pay an annual fee.
What We Don’t Like: The TD Double Up Credit Card has a high APR, so you should plan to pay in full monthly in order to avoid interest charges.
Who Should Get It: Consider applying for TD Double Up Credit Card if the initial bonus and flat ongoing rewards rate suit your spending habits.
Pros, Cons & More Details
Pros
- No membership fees
- 0% intro APR on balance transfers
- High rewards rate
- $100 initial rewards bonus
Cons
- No intro APR on purchases
- Balance transfer fee
- Foreign fee
- Requires excellent credit
Rewards Details
- Bonus Cash Back: Earn $100 Cash Back in the form of a statement credit when you spend $1,000 within the first 90 days after account opening
- Earn unlimited 2% Cash Back on all eligible purchases
- No reward categories, no caps, no worries.
Interest Rate Breakdown
| Balance | APY |
|---|
Additional Info
- Get Visa benefits like cell phone protection when you pay your monthly mobile bill with your card
- No annual fee
- Contactless Payments/Digital Wallet
- Instant credit card replacement
- Must be a resident of CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA or VT.
- More Details & Reviews About TD Double Up Credit Card
Pros, Cons & Details
0% APR
Best 0% Credit Card for Excellent Credit
4.5WalletHub Rating
WalletHub Rating
4.5
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated the card for various cardholder needs and picked the rating for the need most relevant to this page ("Finance New Purchases"). The rating for this card may vary on other pages where a different need is used. A rating of 5 is the best a card can receive.
Market Comparison
4.5
fees: 5.0
rewards: 3.3
cost: 4.1
APR: 5.0
Purchase intro APR
0% for 21 months
Transfer intro APR
0% for 21 months
Transfer Fee: 4% (min $5)
Regular APR
16.24% - 27.24% (V)
Annual Fee
$0
Rewards Rate
1% Cash Back
Accepted Credit
Excellent
Purchase intro APR
0% for 21 months
Transfer intro APR
0% for 21 months
Transfer Fee: 4% (min $5)
Regular APR
16.24% - 27.24% (V)
Annual Fee
$0
Rewards Rate
1% Cash Back
Accepted Credit
Excellent
Editors’ Thoughts
Why We Like It: The Fifth Third 1% Cash/Back Card is the best 0% APR credit card for people with excellent credit. It offers an introductory APR of 0% for 21 months on new purchases and balance transfers. It also has a $0 annual fee.
The introductory APR period is much longer than average, and no other cards offering 0% interest for this long give rewards too. The Fifth Third 1% Cash/Back Card rewards you with 1% cash back on all purchases.
What We Don’t Like: The regular APR is 16.24% - 27.24% (V), and the balance transfer fee is 4% (min $5).
Who Should Get It: Apply for the Fifth Third 1% Cash/Back Card if you want to save on interest and earn cash rewards on purchases.
Pros, Cons & More Details
Pros
- No membership fees
- 0% intro APR on purchases
- 0% intro APR on balance transfers
- No foreign fee
Cons
- No initial rewards bonus
- Balance transfer fee
- Requires excellent credit
Rewards Details
- Earn unlimited 1% cash back on every purchase with no caps, and no expiration of rewards
Interest Rate Breakdown
| Balance | APY |
|---|
Additional Info
- Cell phone protection.
- Current customers can apply online. New customers can visit a branch location or call at Fifth Third Bank.
- More Details & Reviews About Fifth Third 1% Cash/Back Card
Pros, Cons & Details
Best Balance Transfer Credit Card for Excellent Credit
4.1WalletHub Rating
WalletHub Rating
4.1
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated the card for various cardholder needs and picked the rating for the need most relevant to this page ("Lower Cost of Existing Debt"). The rating for this card may vary on other pages where a different need is used. A rating of 5 is the best a card can receive.
Editor’s Rating
4.8
User Reviews
3.7
Market Comparison
4.0
fees: 5.0
cost: 3.5
APR: 4.4
Purchase intro APR
0% for 18 billing cycles
Transfer intro APR
0% for 18 billing cycles
Transfer Fee: 3% intro fee ($5 min) for each transfer in first 60 days, after that 5% ($5 min) for each transfer*
Regular APR
18.74% - 29.74% (V)
Annual Fee
$0
Accepted Credit
Excellent, Good
Purchase intro APR
0% for 18 billing cycles
Transfer intro APR
0% for 18 billing cycles
Transfer Fee: 3% intro fee ($5 min) for each transfer in first 60 days, after that 5% ($5 min) for each transfer*
Regular APR
18.74% - 29.74% (V)
Annual Fee
$0
Accepted Credit
Excellent, Good
Editors’ Thoughts
Why We Like It: The U.S. Bank Visa® Platinum Card offers an introductory APR of 0% for 18 billing cycles on balance transfers and purchases. It also has a $0 annual fee.
What We Don’t Like: The regular APR is 18.74% - 29.74% (V), and the balance transfer fee is 3% intro fee ($5 min) for each transfer in first 60 days, after that 5% ($5 min) for each transfer*.
Who Should Get It: Apply for the U.S. Bank Visa® Platinum Card if you need months to pay off big-ticket purchases or to get rid of lingering high-interest debt.
Pros, Cons & More Details
Pros
- 0% for 18 billing cycles intro on purchases
- 0% for 18 billing cycles intro on balance transfers
- $0 annual fee
- Cell phone protection
Cons
- 18.74% - 29.74% (V) regular APR
- Balance transfer fee
Rewards Details
Interest Rate Breakdown
| Balance | APY |
|---|
Additional Info
- 0% Intro APR on purchases and balance transfers for 18 billing cycles. After that, a variable APR currently 18.74% - 29.74%.
- *An introductory fee of either 3% of the amount of each transfer or $5 minimum, whichever is greater, for balances transferred within 60 days of account opening. After that, either 5% of the amount of each transfer or $5 minimum, whichever is greater.
- Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your U.S. Bank Visa® Platinum Credit Card. Certain terms, conditions, and exclusions apply.
- Choose a payment due date that fits your schedule
- No Annual Fee
- Terms and conditions apply.
- More Details & Reviews About U.S. Bank Visa® Platinum Card
Pros, Cons & Details
STUDENTS
Best Student Credit Card for Excellent Credit
3.9WalletHub Rating
WalletHub Rating
3.9
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated the card for various cardholder needs and picked the rating for the need most relevant to this page ("Earn Rewards"). The rating for this card may vary on other pages where a different need is used. A rating of 5 is the best a card can receive.
Editor’s Rating
3.0
User Reviews
3.9
Market Comparison
4.1
fees: 5.0
rewards: 3.5
cost: 4.5
Other Features: 0.0
Purchase intro APR
0% for 15 billing cycles
Transfer intro APR
0% for 15 billing cycles for any balance transfers made in the first 60 days
Transfer Fee: 3% for 60 days from account opening, then 4%
Regular APR
18.24% - 28.24% Variable
Annual Fee
$0
Rewards Rate
1.5 points / $1
Bonus Offer
25,000 points
Accepted Credit
Excellent
Purchase intro APR
0% for 15 billing cycles
Transfer intro APR
0% for 15 billing cycles for any balance transfers made in the first 60 days
Transfer Fee: 3% for 60 days from account opening, then 4%
Regular APR
18.24% - 28.24% Variable
Annual Fee
$0
Rewards Rate
1.5 points / $1
Bonus Offer
25,000 points
Accepted Credit
Excellent
Editors’ Thoughts
Why We Like It: The Bank of America® Travel Rewards credit card for Students offers 25,000 points for spending $1,000 in the first 90 days. Cardholders also get 1.5 points per $1 spent on all purchases.
What We Don’t Like: The Bank of America® Travel Rewards credit card for Students has a high APR.
Who Should Get It: Consider applying for the Bank of America® Travel Rewards credit card for Students if you are a student with a 750+ credit score. Just remember that you don’t need to limit yourself to student cards if you have a top-tier credit score. You should be able to qualify for pretty much any credit card.
Pros, Cons & More Details
Pros
- No membership fees
- Low intro APR on purchases
- Low intro APR on balance transfers
- 25,000 points initial rewards bonus
Cons
- Balance transfer fee
- High regular APR
- Requires excellent credit
Rewards Details
- 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 as long as your account remains open.
- 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.
- Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.
Interest Rate Breakdown
| Balance | APY |
|---|
Additional Info
- 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 18.24% - 28.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
- When handled responsibly, a credit card can help you build your credit history, which could be helpful when looking for an apartment, a car loan, and even a job. Access your FICO® Score for free within Online Banking or your Mobile Banking app.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
- More Details & Reviews About Bank of America® Travel Rewards credit card for Students
Pros, Cons & Details
BUSINESS
Best Business Credit Card for Excellent Credit
3.7WalletHub Rating
WalletHub Rating
3.7
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated the card for various cardholder needs and picked the rating for the need most relevant to this page ("Business - Earn Rewards"). The rating for this card may vary on other pages where a different need is used. A rating of 5 is the best a card can receive.
Editor’s Rating
4.2
User Reviews
3.8
Market Comparison
3.6
fees: 5.0
rewards: 3.3
cost: 3.7
Other Features: 0.0
Regular APR
18.49% - 24.49% (V)
Annual Fee
$0
Rewards Rate
1.5 - 5% Cash Back
Bonus Offer
$750
Accepted Credit
Excellent
Regular APR
18.49% - 24.49% (V)
Annual Fee
$0
Rewards Rate
1.5 - 5% Cash Back
Bonus Offer
$750
Accepted Credit
Excellent
Editors’ Thoughts
Why We Like It: Capital One Spark Cash Select for Excellent Credit is one of the best rewards cards for business owners with excellent personal credit, in large part because of its big initial bonus. New cardholders get $750 for spending $6,000 in the first 3 months. Plus, you’ll earn 1.5% cash back on purchases normally, and the card has a $0 annual fee.
What We Don’t Like: Carrying a balance from month to month would be expensive with this card, given its high APR.
Who Should Get It: Consider applying for this card if you’re a small business owner who wants simple yet generous rewards.
Pros, Cons & More Details
Pros
- Earn $750 initial rewards bonus
- No membership fees
- No foreign transaction fees
- 1.5% cash back on all purchases
Cons
- No intro APR on purchases
- No intro APR on balance transfers
- Requires excellent credit
Rewards Details
- Earn a $750 bonus when you spend $6,000 in the first 3 months of account opening
- Earn unlimited 1.5% cash back for your business on every purchase, everywhere — with no limits or category restrictions
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
- Rewards won't expire for the life of the account
- Redeem your cash back rewards for any amount
- Free employee cards, which also earn unlimited 1.5% cash back on all purchases
Interest Rate Breakdown
| Balance | APY |
|---|
Additional Info
- No annual fee
- $0 Fraud Liability for unauthorized charges
- More Details & Reviews About Capital One Spark Cash Select for Excellent Credit
Pros, Cons & Details
WalletHub's Research
- Our picks
- Picks by Credit Score
- How we picked the best cards
- Beginner's guide
- About the author
- User questions & answers
- Expert opinions
Our Picks for the Best Credit Cards for Excellent Credit
Credit cards for excellent credit tend to be the best cards on the market, but it’s still important to compare your options before applying if you really want to find an excellent credit card deal – at least the right one for your needs. WalletHub’s editors compared 1,500+ offers to find the very best credit cards for people with excellent credit scores. You can see a recap of their top picks in the most popular categories below.
Best Credit Cards for Excellent Credit Comparison
| Credit Card | Best For | Editor's Rating |
| Chase Sapphire Preferred® Card | Overall | 5/5 |
| Capital One Venture Rewards Credit Card (see Rates & Fees) | Travel Rewards | 5/5 |
| Wells Fargo Active Cash® Card | Everyday Cash Back | 5/5 |
| Citi Premier® Card | Initial Bonus | 4.6/5 |
| Fifth Third 1% Cash/Back Card | 0% Intro APRs | N/A |
| Capital One Spark Cash Select for Excellent Credit (see Rates & Fees) | Business Rewards | 4.2/5 |
It’s important to note that you don’t have to pick just one of the best credit cards for excellent credit. You could try theIsland Approach, by getting a card for each of your biggest needs. For example, you could apply for a rewards credit card to use for everyday expenses and later get a 0% credit card to avoid interest on big purchases or balance transfers. It's a great way to save because you can assemble the best rewards and the best rates rather than settling for average terms on a single card. Just don’t apply for multiple cards at once.
Picks by Credit Score
- Best credit cards for 750 credit score
- Best credit cards for 760 credit score
- Best credit cards for 770 credit score
- Best credit cards for 780 credit score
- Best credit cards for 790 credit score
- Best credit cards for 800 credit score
- Best credit cards for 810 credit score
- Best credit cards for 820 credit score
- Best credit cards for 830 credit score
- Best credit cards for 840 credit score
- Best credit cards for 850 credit score
How We Picked the Best Credit Cards for Excellent Credit
To find the best credit cards for people with excellent credit, WalletHub’s editors regularly compare more than 1,500 credit card offers in search of the most elite options in the most popular usage categories. We consider a range of card terms, from rewards and fees to interest rates and other WalletHub Rating components, and crunch the numbers to find the cards best positioned to maximize cardholder savings and minimize costs over a period of multiple years.
How Two-Year Cost Is Calculated
Two-year cost is used to approximate the monetary value of cards for better comparison and is calculated by combining annual and monthly membership fees over two years, adding any one-time fees or other fees (like balance transfer fees), adding any interest costs, and subtracting rewards. Negative amounts indicate savings. When fees or other terms are presented as a range, we use the midpoint for scoring purposes.
Rewards bonuses and credits have been taken into account for two-year cost calculations. However, bonuses applicable to only a very small portion of cardholders are not considered. For example, credits and bonuses awarded for spending or redeeming rewards through a company portal with non-co-branded cards have not been taken into account. Similarly, bonuses and credits related to spending with specific merchants using a non-co-branded card have not been taken into account (for example, if Card A offers credits with DoorDash, this feature would not be factored into calculations because it is hard to assess how many cardholders would use the benefit or exactly how much value they'd get from it).
Cardholder Spending Profiles
Given that different users have different goals and are likely to use their credit cards differently, we identified spending profiles that are representative of different users’ financial priorities and behaviors. For each cardholder type, we have assumed a specific amount of monthly spending by purchase type (e.g., groceries, gas, etc.), as well as an average balance, balance transfer amount, amount spent on large purchases and average monthly payment. Spending assumptions are based on Bureau of Labor Statistics data for consumers and PEX data for businesses.
Beginner’s Guide to Credit Cards for Excellent Credit
What Counts as Excellent Credit?
A credit score of 750 - 850 counts as excellent credit. Around 22% of people have an excellent credit score, according to WalletHub data. Having an excellent credit score and a good debt-to-income ratio should make it easy to qualify for most financial products, including credit cards, personal loans, auto loans and mortgages.
You can learn more from WalletHub’s guide to excellent credit.
How to Get an Excellent Credit Score
To get an excellent credit score, you generally need to use credit cards or loans responsibly for several years. Your credit score is based on the information in your credit report, which is supplied by creditors, and that information needs to show that you consistently borrow within your means and pay your bills on time.
The easiest way to build an excellent credit score is to get a credit card account in your name as soon as possible. Credit cards report information to the major credit bureaus on a monthly basis, whether you use them to make purchases or not. You can gradually build an excellent score by making purchases and paying them off on schedule, or by simply making sure any fees are paid and maintaining a $0 balance.
You can get your own credit card account when you’re 18 years old, assuming you have enough independent income to afford the monthly bill payments. You can also get a card as an authorized user when you’re younger.
If you already have a good or average credit score and you’re looking to graduate to excellent, reducing your credit utilization is one way to get quick results. Staying patient and continuing to pay your credit card bills on time every month should eventually get you there, too.
You can check your credit score for free right here on WalletHub to see where you stand right now. You’ll also get personalized credit improvement advice and access to our credit score simulator with your free account.
How Long Does It Take to Get Excellent Credit?
It takes at least 3 - 5 years to get excellent credit in most cases. It depends on where your score is to start and what information you have flowing into your credit reports. You will reach excellent credit soonest if you have at least one credit card account that’s in good standing and you never have late payments reported to the credit bureaus.
WalletHub’s credit score simulator can give you a sense of exactly how long it’s likely to take you to build excellent credit.
What Credit Card Benefits Do You Get With Excellent Credit?
Excellent credit qualifies you for the best credit cards on the market, which means you pretty much get your pick of the best rewards, the best financing promotions, and a wide range of secondary benefits.
Examples of the perks available from credit cards for excellent credit include:
- Airport lounge access
- Travel credits
- Rideshare and food delivery credits
- Travel insurance
- High credit limits
- Initial rewards bonuses
- High ongoing rewards rates
- Long 0% intro APR offers
- Extended warranties
- Purchase protection
- Elite status in hotel/airline loyalty programs
- Free flights/hotel nights
- Rental car insurance and discounts
Just bear in mind that you generally won’t get all of these things from a single card. You can learn more about what the top cards offer from WalletHub’s review of the credit cards with the most benefits.
Are Credit Cards for Excellent Credit Worth It?
Credit cards for people with excellent credit are worth it because the best ones can save eligible applicants $1,500+ in just the first two years, according to WalletHub’s calculations. The best credit cards for excellent credit tend to offer valuable rewards, long 0% periods or both. Some also have no annual fee, while those that charge membership fees can still be worth getting given the rewards and perks the fee unlocks.
However, it is important to note that credit cards that require excellent credit at a minimum aren’t necessarily better than cards that will accept people with good credit, too. Some of the best credit cards available right now are open to people with good or excellent credit.
The key is to find the best terms for the types of transactions you plan to make. You can learn more from WalletHub’s overview of what to look for when comparing credit cards.
Tips for Choosing a Credit Cards for Excellent Credit
- Cut your options in half.
Do you want rewards or financing? It’s as simple as choosing between paper and plastic at the grocery store, and this decision will split the universe of credit cards for excellent credit into an even smaller segment. It all comes down to whether you plan to pay your bill in full each month. If you do, go with rewards. If you don’t, focus on 0% cards.
From there, you can reduce your list of viable options even further by choosing between cash back and travel rewards or 0% purchases and 0% balance transfers.
- Be realistic about your travel habits.
A lot of people want travel rewards credit cards but don’t really need them. If you’re in the market for rewards, as opposed to 0% rates, you need to consider what type of card will allow you to earn the most value and redeem often enough to actually enjoy the fruits of your labor. So leave the travel cards to frequent travelers, not the folks who take a trip or two per year.
- Use the Island Approach.
No credit card is perfect, offering the best possible terms in every category, from fees to rewards to interest rates. So don’t go looking for a single card to meet all of your needs. Instead, consider using a few different cards, each of which is designated for a specific type of transactions. For example, one card could be for gas rewards, another for everyday cash back and another still for paying down a big-ticket purchase over time. That’s called the Island Approach.
- Don’t be scared of annual fees.
Paying an annual fee isn’t necessarily a bad thing when you have excellent credit. If doing so enables you to get far better terms than are available from no annual fee credit cards and thus save more money overall, then it’s money well spent. You just have to factor such fixed costs into your calculations.
- Understand excellent credit won’t always cut it.
Excellent credit doesn’t guarantee you approval for an excellent-credit credit card. A number of other factors are in play, too, including your income and existing debt obligations. So if you want to maximize your chances of getting your top credit-card choice, focus on improving your complete financial picture.
Finally, if you’d prefer not to do the legwork, you can simply sign up for a free WalletHub account to get customized card recommendations as well as free credit scores, reports and 24/7 monitoring.
About the Author
John S Kiernan
John Kiernan has covered the credit card industry for more than 15 years as a writer and editor for WalletHub. His work has been featured by major media outlets such as The Washington Post, Fox News and The New York Times and has been cited by industry regulators such as the Consumer Financial Protection Bureau.
Credit Cards for Excellent Credit FAQ
Finding the best credit card can be tough. But you’ve got the knowledgeable WalletHub community on your side. We encourage everyone to share their knowledge while respecting our content guidelines. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not the financial institution’s responsibility to ensure all posts and questions are answered. WalletHub independently collected information for some of the cards on this page.
Most Popular
22
Upvotes
What are the best credit cards for a 800 credit score?
Reply
22
Chip Lupo, Credit Card Writer
@CLoop
The best credit card for a 800 credit score is the Chase Sapphire Preferred because it offers an initial rewards bonus of 60,000 bonus points for spending $4,000 in the first 3 months, as well as 1 - 5 points per $1 spent on purchases. The card charges a $95 annual fee.
Best Credit Cards for a 800 Credit Score
Best Overall:Chase Sapphire Preferred® CardChase Sapphire Preferred® CardLearn MoreLearn Moreon issuer's website- Rates & FeesTravel Rewards:Capital One Venture Rewards Credit CardCapital One Venture Rewards Credit CardLearn MoreLearn Moreon issuer's website
- Rates & FeesInitial Bonus Offer:Citi Premier® CardCiti Premier® CardLearn MoreLearn Moreon issuer's website
- 0% Intro APR:Fifth Third 1% Cash/Back CardFifth Third 1% Cash/Back CardLearn MoreLearn More
- Rates & FeesCash Back with No Annual Fee:Wells Fargo Active Cash® CardWells Fargo Active Cash® CardLearn MoreLearn Moreon issuer's website
A 800 credit score is considered excellent credit, which means you can qualify for the best credit card offers on the market. But it's important to note that simply having excellent credit does not guarantee approval. You must still meet other underwriting requirements, such as having enough income to afford a new credit line.
If you want more options, you can easily compare the best credit cards for excellent credit on WalletHub.
25
Upvotes
What are the 3 best credit cards to have?
Reply
25
Adam McCann, Financial Writer
@adam_mcan
The 3 best credit cards to have are the Wells Fargo Active Cash® Card, the Chase Sapphire Preferred® Card, and the Wells Fargo Reflect® Card. Having these cards in your wallet gives you access to great cash back rewards, a big initial bonus, travel rewards and 0% financing.
Top 3 Credit Cards of April 2024
- Wells Fargo Active Cash® Card: Best for Cash Back
- Chase Sapphire Preferred® Card: Best Initial Bonus
- Wells Fargo Reflect® Card: Best for 0% APR
Of these three cards, the best all-around option is...
4
View more answers
23
Upvotes
What are the best credit cards?
23
John Kiernan, Credit Card Editor
@John
The best credit cards can save you $300 to $650+ per year compared to the average offer, thanks to uniquely valuable rewards, low rates and fees, and various special features. The key to finding the best credit card for you is to determine which features you value most, then compare offers in search of the best deal.
Best Credit Cards of 2024
- Wells Fargo Active Cash® Card: Best Overall
- Chase Sapphire Preferred® Card: Bestfor Travel
- Wells Fargo Reflect® Card: Best for 0% Intro APR
- Discover it® Secured Credit Card: Best for Bad Credit
- Citi Double Cash® Card: Best for Fair Credit
- Chase Freedom Rise℠: Best forNo Credit
- Chase Freedom Unlimited®: Best for Low APR & Rewards
- Bank of America® Premium Rewards® credit card: Best for Initial Bonus
- Blue Cash Preferred® Card from American Express: Best for Gas & Groceries
- Capital One Savor Cash Rewards Credit Card: Best for Dining & Entertainment
- Capital One SavorOne Student Cash Rewards Credit Card: Best for Students
- Capital One Spark 2% Cash Plus: Best for Business
We identified 2024's best credit cards by comparing more than 1,500 cards using WalletHub's proprietary 100-point credit card rating system. Below, you can learn more about 2024's best credit card offers, which feature big initial bonuses, rich ongoing rewards and 0% intro rates.
WalletHub tracks 1,500+ credit cards (other sites only consider a much smaller number of cards, so they naturally miss a lot of great cards)
WalletHub picks the best credit cards overall (other sites pick the best cards from their advertising partners)
WalletHub uses a sophisticated card rating system to objectively find the best cards (other sites’ picks are influenced by their own biases)
WalletHub has 100% editorial independence (other sites just provide a billboard for advertisers)
WalletHub does not have a conflict of interest (other sites are biased due to promoting their own lending and banking offers)
WalletHub has 15+ years of credit card experience (other sites simply don’t have the same expertise)
WalletHub's best credit card picks and ratings are completely independent and not provided, commissioned, or endorsed by any issuer. In addition, our editors follow a strict editorial policy. Some offers may come from WalletHub's advertising partners. WalletHub independently collected information forsome of the cards on this page.
21
Upvotes
What Is An Excellent Credit Score?
21
John S Kiernan, Managing Editor
@John
A credit score of 720 or higher is typically considered excellent credit. That's great news for the roughly 38% of us with scores in this top tier of the standard 300 to 850 credit-score range, according to WalletHub data. Excellent credit can save you a lot of money each year, not to mention make it easier to find an apartment or even a job.
You can quickly determine whether you're part of the excellent-credit crowd by checking your credit score for free on WalletHub.
22
Upvotes
What Is a Perfect Credit Score & How Do You Get One?
22
John S Kiernan, Managing Editor
@John
You don't need the highest possible credit score (850) to have perfect credit. Rather, a perfect credit score is anything above 799. Some experts even say that perfect credit begins at 751. But our research into credit card approval rates indicates the bar is a bit higher.
Perfect credit is more attainable than you might've thought for a simple reason: Higher scores won't save you more money.
22
Upvotes
How long does it take to build excellent credit?
Reply
22
4
John S Kiernan, Managing Editor
@John
It usually takes a few years to truly establish excellent credit. But it's possible to get there much quicker, even in a matter of months, if only temporarily. The exact timeframe depends on your starting point and how responsibly you manage your finances. For example, someone with no prior credit history who gets a credit card and makes on-time payments every month will reach excellent credit much faster than someone with severely damaged credit who regularly...
22
Upvotes
What is the best rewards credit card for excellent credit?
Reply
22
Bianca Smith, WalletHub Credit Cards Analyst
@bianca_stoian
One of the best rewards credit cards for excellent credit is the Capital One Venture X Rewards Credit Card (see Rates & Fees) because it offers 75,000 miles for spending $4,000 in the first 3 months. Cardholders also get 2 - 10 miles per $1 spent on purchases.
The card offers many other worthwhile benefits, too, such as cell phone protection, access to over 1,300 airport lounges, and reimbursem*nt for Global Entry or TSA PreCheck fees. Capital One Venture X (see Rates & Fees) does charge a substantial annual fee ($395), though paying it might be well worth it given the card's lucrative rewards.
Some...
82
Upvotes
What are the best low interest credit cards for excellent credit?
Reply
82
17
Hector Molina, WalletHub Analyst
@hectormolina
The best low interest credit cards for excellent credit are the BankAmericard® credit card and the Citi Simplicity® Card. They both offer a 0% introductory APR on purchases and balance transfers for a very long time, charge no annual fee, and require good credit or better for approval.
It's important to take advantage of 0% introductory APR promotions because very few credit cards guarantee a low regular interest rate, even for people with excellent credit.
Best Low...
2
18
Upvotes
Should I get a card for good credit or wait until I have excellent credit?
Reply
18
John S Kiernan, Managing Editor
@John
If getting the best credit card is your only concern, there's probably no reason you should wait until you have excellent credit. Cards for good credit, such as the Capital One Venture, Citi Double Cash, Discover It, and others, tend to be just as attractive as cards for excellent credit. The possible exception would be cards that have especially long 0% offers or particularly good travel bonuses. And if you plan to apply for a...
5
28
Upvotes
What credit cards offer the best rates for excellent credit?
Reply
28
Chip Lupo, Credit Card Writer
@CLoop
The credit card that offers the best rates for people with excellent credit is the Fifth Third 1% Cash/Back Card because it comes with an intro APR of 0% for 21 months on purchases and 0% for 21 months on balance transfers. It also has a $0 annual fee to go along with its low intro rates.
When the introductory promotion ends, the APR jumps to 16.24% - 27.24% (V), depending on your creditworthiness. You should aim to pay off your balance before that happens. This card...
