Excellent Credit

Credit Cards for Excellent CreditCredit cards for excellent credit are generally for those with a FICO score at least 725 and who always pay their credit cards, loans, and other bills on time. While other factors are also used to determine whether an applicant is approved for a card, these cards require that applicants have displayed an excellent credit history for approval. The following are the best credit card offers for excellent credit as selected by the CreditCards.org staff:

  • 0% Introductory APR for 15 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 10.99% - 20.99% variable APR
  • No annual fee
  • The perfect card for those seeking a simple yet convenient-to-use credit card
Intro APR Purchases Intro APR Balance Transfer Regular APR Annual Fee Credit Needed
0%-15 Billing Cycles* N/A* 10.99%-20.99% Variable* $0* Excellent Credit*
Intro APR Purchases 0%-15 Billing Cycles*
Intro APR Balance Transfer N/A*
Regular APR 10.99%-20.99% Variable*
Annual Fee $0*
Credit Needed Excellent Credit*
  • Get 0% intro APR on all purchases until November 2015
  • Balance transfers also have a 0% intro APR until November 2015, a 3% fee applies to each balance transferred
  • Enjoy no annual fee
  • Get peace of mind with fraud coverage if your card is lost or stolen
  • Enjoy extended warranty protection on eligible items purchased with your card
  • Fast and easy access, 24/7
  • Rent a car using your card and get collision, damage, and loss insurance
  • Feel secure with 24-hour roadside assistance
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average
634
lowest
Intro APR Purchases Intro APR Balance Transfer Regular APR Annual Fee Credit Needed
0%-until November 2015* 0%-until November 2015* 10.9%-18.9% Variable* $0* Excellent Credit*
Intro APR Purchases 0%-until November 2015*
Intro APR Balance Transfer 0%-until November 2015*
Regular APR 10.9%-18.9% Variable*
Annual Fee $0*
Credit Needed Excellent Credit*
Discover it® Apply Now
  • 0% intro APR on purchases & balance transfers for 14 months—then a variable purchase APR applies, currently 10.99 - 22.99%. A 3% fee applies to each transferred balance.
  • Rated 4.8 out of 5 stars by over 4,000 cardmembers.*
  • No annual fee, no late fee for your first late payment - APR won't go up for you paying late, no overlimit fee and no foreign transaction fee.*
  • Free FICO® Credit Score online and on monthly statements.*
  • 5% cash back at gas stations on up to $1,500 in purchases from July through September 2014 when you sign up*. 1% cash back on all other purchases automatically.*
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized Discover card purchases.
  • U.S.- based customer service—anytime, day and night.
  • *See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply."
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average
676
lowest
Intro APR Purchases Intro APR Balance Transfer Regular APR Annual Fee Credit Needed
0%-14 mths* 0%-14 mths* 10.99%-22.99% Variable* $0* Excellent Credit*
Intro APR Purchases 0%-14 mths*
Intro APR Balance Transfer 0%-14 mths*
Regular APR 10.99%-22.99% Variable*
Annual Fee $0*
Credit Needed Excellent Credit*
United MileagePlus® Explorer Card Apply Now
  • Start with 30,000 bonus miles after you spend $1,000 in the first 3 months
  • Check your first bag for free - save up to $100 per roundtrip
  • Enjoy priority boarding privileges and visit the United Club with two one-time-use passes every year
  • No foreign transaction fees!
  • Earn double miles on United ticket purchases, and 1 mile per $1 on all other purchases
  • Your miles don’t expire as long as you’re a Cardmember, with no limit to the number of miles you can earn
  • Use your miles for any seat, any time, on any United flight
  • $0 intro annual fee for the first year, then $95
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average
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lowest
Intro APR Purchases Intro APR Balance Transfer Regular APR Annual Fee Credit Needed
N/A* N/A* 15.99% Variable* $0 intro annual fee for the first year, then $95* Excellent Credit*
Intro APR Purchases N/A*
Intro APR Balance Transfer N/A*
Regular APR 15.99% Variable*
Annual Fee $0 intro annual fee for the first year, then $95*
Credit Needed Excellent Credit*
Citi Simplicity® Card Apply Now
  • 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 12.99% - 21.99% based on your creditworthiness.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • No late fees - EVER
  • No penalty rate - EVER
  • No annual fee - EVER
  • Save time when you call with fast, personal help, 24 hours a day.
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average
652
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Intro APR Purchases Intro APR Balance Transfer Regular APR Annual Fee Credit Needed
0%-18 mths* 0%-18 mths* 12.99%-21.99% Variable* $0* Excellent Credit*
Intro APR Purchases 0%-18 mths*
Intro APR Balance Transfer 0%-18 mths*
Regular APR 12.99%-21.99% Variable*
Annual Fee $0*
Credit Needed Excellent Credit*
  • 0% Intro APR* on balance transfers for 18 months. Then the variable purchase APR applies, currently 10.99% - 22.99%. A fee of 3% applies for each balance transferred.
  • 0% Intro APR* on purchases for 6 months. Then the variable purchase APR applies, currently 10.99% - 22.99%.
  • 2% cash back automatically on up to $1,000 in combined purchases at restaurants and gas stations every quarter - no sign-ups needed*. 1% cash back on all your other purchases.
  • No annual fee, no overlimit fee, no late fee on your first late payment and no foreign transaction fee*.
  • Free FICO® Credit Score online and on your monthly statement so you can track your score's progress*.
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized Discover card purchases.
  • U.S. based customer service - anytime, day and night.
  • *See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply".
Intro APR Purchases Intro APR Balance Transfer Regular APR Annual Fee Credit Needed
0%-6 mths* 0%-6 mths* 10.99%-22.99% Variable* $0* Excellent Credit*
Intro APR Purchases 0%-6 mths*
Intro APR Balance Transfer 0%-6 mths*
Regular APR 10.99%-22.99% Variable*
Annual Fee $0*
Credit Needed Excellent Credit*
  • 2% cash back automatically on up to $1,000 in combined purchases at restaurants and gas stations every quarter—no sign-ups needed*. 1% cash back on all your other purchases.
  • 0% intro APR on purchases and balance transfers for 14 months—then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
  • APR won't go up if you pay late.
  • No annual fee, no overlimit fee, no late fee on your first late payment and no foreign transaction fee*.
  • Free FICO® Credit Score online and on your monthly statement so you can track your score's progress*.
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized Discover card purchases.
  • U.S. based customer service—anytime, day and night.
  • *See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply".
Intro APR Purchases Intro APR Balance Transfer Regular APR Annual Fee Credit Needed
0%-14 mths* 0%-14 mths* 10.99%-22.99% Variable* $0* Excellent Credit*
Intro APR Purchases 0%-14 mths*
Intro APR Balance Transfer 0%-14 mths*
Regular APR 10.99%-22.99% Variable*
Annual Fee $0*
Credit Needed Excellent Credit*
Capital One® VentureOne® Rewards Credit Card Apply Now
  • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within the first 3 months, equal to $200 in travel
  • Earn unlimited 1.25 miles on every purchase, every day
  • No annual fee
  • Fly any airline, stay at any hotel, anytime
  • Enjoy a low intro APR on purchases
  • Travel when you want - no blackout dates
  • Miles don’t expire
  • No limit to the miles you can earn
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average
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Intro APR Purchases Intro APR Balance Transfer Regular APR Annual Fee Credit Needed
0%-until August 2015* N/A* 11.9%-19.9% Variable* $0* Excellent Credit*
Intro APR Purchases 0%-until August 2015*
Intro APR Balance Transfer N/A*
Regular APR 11.9%-19.9% Variable*
Annual Fee $0*
Credit Needed Excellent Credit*
Capital One® Quicksilver® Cash Rewards Credit Card Apply Now
  • One-time $100 bonus after you spend $500 on purchases within the first 3 months
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories and no sign ups needed to earn cash rewards
  • Redeem the cash back you earn for any amount, any time
  • Your cash back doesn't expire
  • 0% intro APR on all purchases until May 2015
  • Balance transfers also have a 0% intro APR until May 2015, a 3% fee applies to each balance transferred
  • No annual fee
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average
642
lowest
Intro APR Purchases Intro APR Balance Transfer Regular APR Annual Fee Credit Needed
0%-until May 2015* 0%-until May 2015* 12.9%-22.9% Variable* $0* Excellent Credit*
Intro APR Purchases 0%-until May 2015*
Intro APR Balance Transfer 0%-until May 2015*
Regular APR 12.9%-22.9% Variable*
Annual Fee $0*
Credit Needed Excellent Credit*
Discover it® Apply Now
  • 0% intro APR on balance transfers for 18 months—then a variable purchase APR applies, currently 10.99 - 22.99%. A 3% fee applies to each transferred balance.
  • 0% intro APR on purchases for 6 months. Then the variable purchase APR applies, currently 10.99% - 22.99%.
  • Rated 4.8 out of 5 Stars by over 4,000 cardmembers.*
  • No annual fee, no late fee for your first late payment - APR won't go up for you paying late, no overlimit fee and no foreign transaction fee.*
  • Free FICO® Credit Score online and on monthly statements.*
  • 5% cash back at gas stations on up to $1,500 in purchases from July through September 2014 when you sign up*. 1% cash back on all other purchases automatically.*
  • 100% U.S.- based customer service—anytime, day and night.
  • *See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply."
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average
687
lowest
Intro APR Purchases Intro APR Balance Transfer Regular APR Annual Fee Credit Needed
0%-6 mths* 0%-18 mths* 10.99%-22.99% Variable* $0* Excellent Credit*
Intro APR Purchases 0%-6 mths*
Intro APR Balance Transfer 0%-18 mths*
Regular APR 10.99%-22.99% Variable*
Annual Fee $0*
Credit Needed Excellent Credit*

Related Offers

  • Unsecured Personal Loans from $100-$35,000
  • Good, Bad and No Credit Welcome!
  • Lower Interest rates.
  • Loans for any purpose.
  • No collateral, no problem.
  • Loans from $100 – $10,000+
  • Repayment Terms up to 60 months!
  • Get your cash as fast as tomorrow
  • * APR between 4.999% & 35.80%
Credit Cards › Excellent Credit

† This information is provided through a relationship with CreditKarma.com. Credit Karma members have received approvals with these TransUnion New Account credit scores. Please note that because other factors may affect credit card approval, these approval metrics are only guidelines and approval is not guaranteed.