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2017's Best Credit Cards for Excellent Credit

Best Rated Credit Cards for People with Excellent Credit

Editorial Disclosure: Editorial content, including card comparisons and card reviews are not provided or commissioned by the credit card issuer. Opinions expressed here are the author’s alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. Creditcards.org may be compensated through Affiliate Programs for referrals.

• Posted: January 01, 2016 • Updated: August 09, 2017

By consistently making your monthly payments on time and taking a responsible approach to your personal finances, your credit score will steadily climb until you have excellent credit. Having a high credit score will open many doors and you’ll be eligible for the most enticing credit card offers, which can include lower interest rates, higher monthly limits, and great perks. Once you have an excellent credit score, getting approved for a credit card will not be an issue, and you’ll have your choice to select the card most suited to your needs. Here are 5 of the best credit cards for individuals with excellent credit, in no particular order:

1. Best Low APR Card: Citi Simplicity® Card Citi Simplicity® Card

If you have excellent credit and are looking for simple, easy-to-use perks, then this card is an excellent option. You’ll have the luxury of not paying a penny in annual fees, and you’ll benefit from no foreign transaction fees. The low balance transfer rate will allow you to save money by transferring your high-interest balances, which is especially helpful in paying off your debts. Lastly, the cutting-edge chip technology will offer you extra protection from identity theft, in addition to their $0 liability coverage.
 
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For consumers who are into earning miles, you’ll need to check out the Capital One® Venture® Rewards Credit Card which includes double miles on all of your purchases, every single day of the year. With a huge early spend bonus that includes a tremendous amount of free miles, you’ll be able to take advantage of your rewards without delay. Best of all, your rewards never expire, and you’ll be able to spend them in a variety of ways. As an extra benefit, the Venture® Card has no annual fee during the first year.

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4. Best Cash Back Rewards Card: Citi® Double Cash Card Citi® Double Cash Card

No one likes to miss out on free money, right? And if you’re not earning cash back on everyday purchases you already make with a credit card, you are losing out! The Citi® Double Cash Card, is the perfect no fuss card. There are no rotating categories to keep track of, you just get 1% when you make a purchase and another 1% when you pay that purchase off. If the cash rewards weren’t enough, the Citi® Double Cash also offers a generous 0% intro APR rate on purchases and balance transfers. So, if you like simple, and think you should be rewarded for purchases you already make, this is the card for you. 

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Citi® Double Cash Card – 18 month BT offer

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  • 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 14.49% - 24.49% based on your creditworthiness
  • Click 'Apply Now' to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases.
  • No categories to track, no caps on cash back, no annual fee*


5. Best Travel Rewards: Barclaycard Arrival PlusTM World MasterCard® Barclaycard Arrival PlusTM World MasterCard®

Looking for a travel rewards credit card that lets you earn points even when you’re not in the air? The Barclaycard Arrival PlusTM World MasterCard® might just be your solution. This card offers a competitive sign-up bonus after you meet the minimum spending requirements in the first three months. With no foreign transaction fee, this card is perfect for the international travelers, as it will not charge you fees while traveling abroad. This card is also void of an annual fee the first year, so all the rewards you earn are free. If you’re dreaming of somewhere far off, but only have plans for a dinner tonight, get the Barclaycard Arrival PlusTM World MasterCard® and in no time you’ll have enough points to book your dream vacation!

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Barclaycard arrival  plus world elite  mastercard 092117

Barclaycard Arrival Plus® World Elite Mastercard®

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  • Enjoy 40,000 bonus miles after you spend $3,000 on purchases in the first 90 days - that's enough to redeem for a $400 travel statement credit toward an eligible travel purchase
  • Earn 2X miles on all purchases
  • Get 5% miles back to use toward your next redemption, every time you redeem
  • Miles don't expire as long as your account is open, active and in good standing
  • No foreign transaction fees on purchases made while traveling abroad
  • 0% introductory APR for 12 months on Balance Transfers made within 45 days of account opening. After that, a variable APR will apply, 16.99%, 20.99% or 23.99%, based on your creditworthiness.
  • There is a fee for balance transfers.


If you don't have excellent credit yet, view all of our cards for average credit here >>

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