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2016'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.

• Updated: September 06, 2016

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 Balance Transfer Card: BankAmericard® Credit Card BankAmericard® Credit 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 having the lowest APR among all BankAmericard products. 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 guarantee.
 
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BankAmericard® Credit Card

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Card Highlights:
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  • 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
  • The perfect card for those seeking a simple yet convenient-to-use credit card
  • $0 Liability Guarantee, so you're not responsible for any fraudulent charges made on your account

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

The Citi Simplicity® Card, from our partner Citi®, rewards people with excellent credit by eliminating all fees from their monthly statements. With this card, you’ll never have to suffer from late fees, penalty rates, and annual fees, even beyond the first year. One of the outstanding perks of using a Citi Simplicity® Card is the initial APR rate, which lasts far longer than those offered by many of its competitors. Moreover, gaining access to first-rate customer service is easier than ever, and you’ll be able to connect with a representative on the phone without waiting.

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Citi Simplicity® Card - No Late Fees Ever

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Card Highlights:
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  • 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.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • The same great rate for all balances, after the introductory period.
  • Save time when you call with fast, personal help, 24 hours a day – just say “representative”
  • Enjoy the convenience of setting up your own bill payment schedule on any available due date throughout the month.

3. Best Air Miles Card: Capital One® Venture® Rewards Credit Card  Capital One® Venture® Rewards Credit Card 

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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Capital One® Venture® Rewards Credit Card

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Card Highlights:
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  • Enjoy a one-time bonus of 40,000 miles once you spend $3,000 on purchases within 3 months of approval, equal to $400 in travel
  • Earn unlimited 2X miles per dollar on every purchase, every day
  • Fly any airline, stay at any hotel, anytime
  • Travel when you want with no blackout dates
  • Miles don't expire and there’s no limit to how many you can earn
  • No foreign transaction fees
  • $0 intro annual fee for the first year; $59 after that

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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Card Highlights:
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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 13.24% - 23.24% 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®

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Card Highlights:
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  • Earn 50,000 bonus miles after you spend $3,000 on purchases in the first 90 days — that's enough to redeem for a $500 travel statement credit
  • Earn 2X miles on all purchases
  • Redeem for travel or cash back statement credits, gift cards and merchandise. Redemption values vary
  • 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 anything you buy while in another country
  • 0% introductory APR for 12 months on Balance Transfers made within 45 days of account opening. After that, a variable APR will apply, 16.24%, 20.24% or 23.24%, based on your creditworthiness.
  • Please note, 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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