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2018'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. may be compensated through Affiliate Programs for referrals.

• Posted: January 01, 2018 • Updated: June 18, 2018

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

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:
  • The ONLY card with No Late Fees, No Penalty Rate, and No Annual Fee… EVER
  • 0% Intro APR on balance transfers for 21 months from date of first transfer. All transfers must be completed in first 4 months. After that, the variable APR will be 15.99% - 25.99%, based on your creditworthiness
  • 0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 15.99% - 25.99%, based on your creditworthiness
  • If you transfer a balance with this offer, after your 0% Intro purchase APR expires, both new purchases and unpaid purchase balances will automatically accrue interest until all balances, including your transferred balance, are paid in full
  • There is a balance transfer fee of either $5 or 5% 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


2. 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:
  • Enjoy a one-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel
  • Earn 2X miles on every purchase, every day. Plus earn 10X miles on thousands of hotels; learn more at
  • Named ‘The Best Travel Card' by CNBC, 2018
  • Receive up to $100 application fee credit for Global Entry or TSA Pre✓®
  • Fly any airline, stay at any hotel, anytime; no blackout dates
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • No foreign transaction fees
  • $0 intro annual fee for the first year; $95 after that


3. 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:
  • Earn 2% cash back on purchases: 1% when you buy plus 1% as you pay
  • Balance Transfers do not earn cash back
  • 0% Intro APR on Balance Transfers for 18 months. After that, the variable APR will be 15.49% - 25.49% 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*


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

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