Credit Cards For Excellent Credit
One of the primary benefits of having an impressive credit history and a high credit score is being eligible for the most attractive credit card offers on the market. Banks are more than happy to do business with consumers like yourself, and they’re willing to offer you attractive terms, including large bonuses, travel rewards, and amazing perks—in order to get your business. Consumers with excellent credit can choose the excellent credit credit card with the best terms and which rewards their spending habits. Below is a list of the best credit card offers for those with the highest tier of credit scores. Below you will find our most popular credit card offers for people with excellent credit.
American Express Cash Magnet® Card

American Express Cash Magnet® Card
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on creditcards.com's secure website.
Intro APR for Balance Transfer
N/A
Regular APR
13.99% - 23.99%
(Variable)
Annual fee
$0
Learn more
on creditcards.com's secure website.
Benefits & Key features
- Receive a $150 bonus when you spend at least $1,000 in purchases within 3 months of opening a new card.
- Get 1.5% Cash Back on all purchases.
- Cash back is earned in the form of Reward Dollars that can be redeemed for statement credits.
- A Cash Back card with a 0% introductory APR for the first 15 months on purchases.
- After that, your APR will be a variable rate, currently 13.99% - 23.99% based on your creditworthiness and other factors.
- More and more businesses are accepting American Express® Cards.
- No annual fee.
- Terms and Restrictions apply.
Excellent / Good
Credit Needed
Intro APR
(Purchases)
(Purchases)
0%
15 months
Intro APR
(Balance Transfer)
(Balance Transfer)
N/A
Regular APR
13.99% - 23.99%
(Variable)
Annual Fee
$0
Synchrony Car Care™ credit card

Synchrony Car Care™ credit card
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Excellent/Good Credit
Benefits & Key features
- 6 months promotional financing on purchases of $199 or more
- No annual fee
- $0 fraud liability
- 24/7 secure online account access
- Ability to request a credit limit increase
- Use your Synchrony Car Care™ credit card for routine maintenance like gas and car washes, as well as larger automotive repairs and purchases on tires, brakes, windshields, transmissions, and more!
- Pay for scheduled maintenance and unexpected repairs over time with 6 months promotional financing on purchases of $199 or more at over 500,000 locations.
Excellent / Good
Credit Needed
Intro APR
(Purchases)
(Purchases)
N/A
Intro APR
(Balance Transfer)
(Balance Transfer)
N/A
Regular APR
29.99%
Annual Fee
$0
Luxury Card™ Mastercard® Black Card™
Luxury Card™ Mastercard® Black Card™
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Excellent Credit
Intro APR for Balance Transfer
0% introductory APR for the first fifteen billing cycles following each balance transfer that posts to your account within 45 days of account opening.
Regular APR
14.99%
Annual fee
$495 ($195 for each Authorized User added to the account)
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Excellent Credit
Benefits & Key features
- Patented black-PVD-coated metal card—weighing 22 grams.
- 2% value for airfare redemptions with no blackout dates or seat restrictions. 1.5% value for cash back redemptions. Earn one point for every one dollar spent.
- 24/7 Luxury Card Concierge®—available by phone, email and live mobile chat. Around-the-clock service to help you save time and manage tasks big and small.
- Exclusive Luxury Card Travel® benefits—average value of $500 per stay (e.g., resort credits, room upgrades, free wifi, breakfast for two and more) at over 3,000 properties.
- Annual Airline Credit—up to $100 in statement credits toward flight-related purchases including airline tickets, baggage fees, upgrades and more. Up to a $100 application fee credit for the cost of TSA Pre✓® or Global Entry.
- Enrollment in Priority PassTM Select with access to 1,300+ airport lounges worldwide with no guest limit. Includes credits at select airport restaurants for cardholder and one guest.
- Cell phone protection for eligible claims of up to $1,000 each year. Plus additional World Elite Mastercard® benefits.
- Annual Fee: $495 ($195 for each Authorized User). Terms and conditions apply.
Excellent
Credit Needed
Intro APR
(Purchases)
(Purchases)
N/A
Intro APR
(Balance Transfer)
(Balance Transfer)
0% introductory APR for the first fifteen billing cycles following each balance transfer that posts to your account within 45 days of account opening.
Regular APR
14.99%
Annual Fee
$495 ($195 for each Authorized User added to the account)
Luxury Card™ Mastercard® Titanium Card™
Luxury Card™ Mastercard® Titanium Card™
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Excellent Credit
Intro APR for Balance Transfer
0% introductory APR for the first fifteen billing cycles following each balance transfer that posts to your account within 45 days of account opening.
Regular APR
14.99%
Annual fee
$195 ($95 for each Authorized User added to the account)
Apply Now
Excellent Credit
Benefits & Key features
- Patented brushed stainless steel front and carbon back—weighing 22 grams.
- 2% value for airfare redemptions with no blackout dates or seat restrictions. 1% value for cash back redemptions. Earn one point for every one dollar spent.
- 24/7 Luxury Card Concierge®—available by phone, email and live mobile chat. Around-the-clock service to help you save time and manage tasks big and small.
- Exclusive Luxury Card Travel® benefits—average value of $500 per stay (e.g., resort credits, room upgrades, free wifi, breakfast for two and more) at over 3,000 properties.
- Members-only LUXURY MAGAZINE®.
- Cell phone protection for eligible claims of up to $1,000 each year. Plus additional World Elite Mastercard® benefits.
- Annual fee: $195 ($95 for each Authorized User). Terms and conditions apply.
Excellent
Credit Needed
Intro APR
(Purchases)
(Purchases)
N/A
Intro APR
(Balance Transfer)
(Balance Transfer)
0% introductory APR for the first fifteen billing cycles following each balance transfer that posts to your account within 45 days of account opening.
Regular APR
14.99%
Annual Fee
$195 ($95 for each Authorized User added to the account)
American Express® Gold Card

American Express® Gold Card
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Excellent/Good Credit
Intro APR for Balance Transfer
N/A
Regular APR
15.99% - 22.99%
(Variable)
Annual fee
$250
Learn More
Excellent/Good Credit
Benefits & Key features
- Get 60,000 Membership Rewards® points by spending $4,000 on eligible purchase within the first 6 months of opening a new card.
- Receive 4x points at restaurants around the world, delivery and takeout included.
- Receive 4x points on purchases at U.S. supermarkets (on up to $25,000 per calendar year, then 1x after that).
- Receive 3x points on flights, either booked directly or through amextravel.com.
- Earn up to $120 yearly (up to $10 monthly) in Dining Credits when you pay with the Gold Card at select participating restaurants and delivery services.
- Redeem your points for shopping, travel, gift cards, entertainment, or even charity.
- No foreign transaction fees.
- Annual Fee of $250.
- Terms and Restrictions Apply.
- See Rates and Fees
Excellent / Good
Credit Needed
Intro APR
(Purchases)
(Purchases)
N/A
Intro APR
(Balance Transfer)
(Balance Transfer)
N/A
Regular APR
15.99% - 22.99%
(Variable)
Annual Fee
$250