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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. Below you will find our most popular credit card offers for people with excellent credit.

Advertiser Disclosure

Editor’s choice

  • BankAmericard® Visa® Card

    INTRO BT
    0% for 15 billing cycles for qualifying balance transfers*

    APR
    10.99% - 20.99% Variable*

    Credit Needed: Excellent Credit

    • 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
    • Our $0 Liability Guarantee, so you're not responsible for any fraudulent charges made on your account
    • Chip technology for enhanced security at chip-enabled merchant terminals

    Intro APR Purchases

    0%-15 Billing Cycles*

    Into APR Balance Transfer

    0% for 15 billing cycles for qualifying balance transfers*

    Regular APR

    10.99%-20.99% Variable*

    Annual Fee

    $0*

    Credit Needed

    Excellent Credit*

  • Capital One® Platinum Prestige Credit Card

    INTRO BT
    0%

    for 0%-until March 2016*

    APR
    10.9% - 18.9%* Variable

    Credit Needed: Excellent Credit

    • Get 0% intro APR on all purchases until March 2016; 10.9%-18.9% variable APR after that
    • Balance transfers also have a 0% intro APR until March 2016, a 3% fee applies to each balance transferred
    • Pay no annual fee or foreign transaction fees
    • Fraud coverage if your card is lost or stolen
    • Enjoy extended warranty protection on eligible items purchased with your card
    • Easily manage your account 24/7 with online access, by phone or using our mobile app
    • Pick the monthly due date that works best for you

    Intro APR Purchases

    0%-until March 2016*

    Into APR Balance Transfer

    0%-until March 2016*

    Regular APR

    10.9%-18.9%* Variable

    Annual Fee

    $0*

    Credit Needed

    Excellent Credit*

  • Discover it®

    INTRO BT
    0%

    for 0%-14 mths*

    APR
    10.99% - 22.99% Variable*

    Credit Needed: Excellent Credit

    • 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.
    • Over 5,000 cardmembers rated 4.8 out of 5 stars* and now Discover "Ranked Highest in Customer Satisfaction with Credit Card Companies in a Tie" by J.D. Power+
    • 5% cashback in categories that change each quarter up to the quarterly maximum after you sign up for 5%. 1% cash back on all other purchases.
    • Free FICO® Credit Score on monthly statements, online and in our mobile app.*
    • No annual fee, no late fee for your first late payment - APR won't go up for paying late, no overlimit fee and no foreign transaction fee.*
    • 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.
    • 100% U.S.- based customer service — day or night.
    • *See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply."

    Intro APR Purchases

    0%-14 mths*

    Into APR Balance Transfer

    0%-14 mths*

    Regular APR

    10.99%-22.99% Variable*

    Annual Fee

    $0*

    Credit Needed

    Excellent Credit*

  • Capital One® Quicksilver® Cash Rewards Credit Card

    INTRO BT
    0%

    for 0%-until September 2015*

    APR
    12.9% - 22.9%* Variable

    Credit Needed: Excellent Credit

    • 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
    • Cash back doesn’t expire and there’s no limit to how much you can earn
    • 0% intro APR on purchases until September 2015; 12.9%-22.9% variable APR after that
    • Balance transfers also have a 0% intro APR until September 2015, a 3% fee applies to each balance transferred
    • Pay no annual fee or foreign transaction fees

    Intro APR Purchases

    0%-until September 2015*

    Into APR Balance Transfer

    0%-until September 2015*

    Regular APR

    12.9%-22.9%* Variable

    Annual Fee

    $0*

    Credit Needed

    Excellent Credit*

  • Citi Simplicity® Card

    INTRO BT
    0%*

    for 0%*-18 mths*

    APR
    12.99% - 22.99%* Variable

    Credit Needed: Excellent Credit

    • 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 12.99% - 22.99% 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.

    Intro APR Purchases

    0%*-18 mths*

    Into APR Balance Transfer

    0%*-18 mths*

    Regular APR

    12.99%-22.99%* Variable

    Annual Fee

    $0*

    Credit Needed

    Excellent Credit*

  • Citi ThankYou® Preferred Card – Earn 30,000 Bonus Points

    ANNUAL FEE
    $0

    APR
    12.99% - 22.99%* Variable

    Credit Needed: Excellent Credit

    • Earn 30,000 bonus ThankYou® Points after $2,000 in card purchases within 4 months of account opening – redeemable for $300 in gift cards or other great rewards!
    • 2 ThankYou Points per dollar spent on dining at restaurants and entertainment. 1 ThankYou Point on other purchases
    • Points do not expire and earn unlimited Thank You Points
    • Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more
    • Travel with ease and enjoy global acceptance with Chip Technology
    • No annual fee*

     

    Intro APR Purchases

    N/A

    Into APR Balance Transfer

    N/A

    Regular APR

    12.99%-22.99%* Variable

    Annual Fee

    $0*

    Credit Needed

    Excellent Credit*

  • Chase Sapphire Preferred® Card

    ANNUAL FEE
    Introductory Annual Fee of $0 the first year, then $95

    APR
    15.99%* Variable

    Credit Needed: Excellent Credit

    • Earn 40,000 bonus points when you spend $4,000 on purchases in the first 3 months from account opening. That's $500 in travel when you redeem through Chase Ultimate RewardsSM
    • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening.
    • 2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases
    • No foreign transaction fees, plus Chip and Signature enabled for international travel.
    • 1:1 point transfer to leading frequent travel programs at full value – that means 1,000 Ultimate Rewards points equal 1,000 partner miles/points.
    • 24/7 direct access to dedicated customer service specialists
    • Introductory Annual Fee of $0 the first year, then $95

    Intro APR Purchases

    N/A

    Into APR Balance Transfer

    N/A

    Regular APR

    15.99%* Variable

    Annual Fee

    Introductory Annual Fee of $0 the first year, then $95*

    Credit Needed

    Excellent Credit*

  • Capital One® Venture® Rewards Credit Card

    ANNUAL FEE
    $0 intro for first year; $59 after that

    APR
    13.9% - 20.9%* Variable

    Credit Needed: Excellent Credit

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

    Intro APR Purchases

    N/A

    Into APR Balance Transfer

    N/A

    Regular APR

    13.9%-20.9%* Variable

    Annual Fee

    $0 intro for first year; $59 after that*

    Credit Needed

    Excellent Credit*

  • Discover it®

    INTRO BT
    0%

    for 0%-18 mths*

    APR
    10.99% - 22.99% Variable*

    Credit Needed: Excellent Credit

    • 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%.
    • Over 5,000 cardmembers rated 4.8 out of 5 stars* and now Discover "Ranked Highest in Customer Satisfaction with Credit Card Companies in a Tie" by J.D. Power+
    • 5% cashback in categories that change each quarter up to the quarterly maximum after you sign up for 5%. 1% cash back on all other purchases.
    • Free FICO® Credit Score on monthly statements, online and in our mobile app.*
    • No annual fee, no late fee for your first late payment - APR won't go up for paying late, no overlimit fee and no foreign transaction fee.*
    • 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.
    • *See rates, rewards, free FICO® Credit Score terms, balance transfer terms and other info by clicking "Apply."

    Intro APR Purchases

    0%-6 mths*

    Into APR Balance Transfer

    0%-18 mths*

    Regular APR

    10.99%-22.99% Variable*

    Annual Fee

    $0*

    Credit Needed

    Excellent Credit*

  • Capital One® VentureOne® Rewards Credit Card

    ANNUAL FEE
    $0

    APR
    11.9% - 19.9%* Variable

    Credit Needed: Excellent Credit

    • 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 and pay no annual fee
    • Fly any airline, stay at any hotel, anytime
    • Enjoy a low intro APR on purchases until December 2015; 11.9%-19.9% variable APR after that
    • Travel when you want-no blackout dates
    • No foreign transaction fees
    • Miles don’t expire and there’s no limit to how many you can earn

    Intro APR Purchases

    0%-until December 2015*

    Into APR Balance Transfer

    N/A

    Regular APR

    11.9%-19.9%* Variable

    Annual Fee

    $0*

    Credit Needed

    Excellent Credit*

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Credit Karma users have received approvals with these TransUnion New Account credit scores. These approved metrics are only guidelines and approval is not guaranteed.

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