Best Credit Card for High Credit Scores: 7 Premium Options

If you already have a high credit score, the next step is to maximize your expenses with a great rewards credit card.
Last updated Mar 17, 2020 | By Brett Holzhauer
Woman paying with gold credit card

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A high credit score may seem difficult to accomplish — it might even feel like the credit bureaus are working against you. But with enough time and careful management of your personal finances, you can get to that coveted high credit score. And with a high score, you could be approved for one of the seven premium credit cards below.

But first, what is a high credit score? Your FICO credit score is measured on a scale from 300-850. Anything above 670 is considered a good credit score, and anything above 800 is considered excellent. Once you achieve either of these marks, you’ll likely be ready to start earning major credit card rewards.

In this article, I will discuss how to choose the best credit card and give a few suggestions for cards that may work for you.

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How to choose the best credit card for high credit scores

Once you achieve a high credit score, you might have an influx of offers coming in the mail; it can feel overwhelming to try and select the one card that works best for you.

First, consider your financial needs. Do you want to save money each month? Do you need to consolidate credit card debt? Do you plan to travel in the foreseeable future? If you can reflect on your financial picture and decide what your needs are, finding the right credit card will be a piece of cake.

To add, there is no such thing as the “best” or “perfect” credit card. The “perfect” credit card is the one that will suit your financial needs the best. So when you select a card, be sure that it fits your spending habits and common expenses.

Consider the following qualities of each credit card before you decide to apply:

  • Sign-up bonus: Many premium credit cards will offer a sign-up bonus to attract new customers to start spending. Most bonuses offer extra points if you spend a minimum amount on the card in the first few months of owning it. These deals are important as these initial rewards are a large part of what makes a card valuable.
  • Reward rate: This is what you will earn based on your spending on the card. This is worth noting as you always want to ensure that your expenses are being maximized. If you can earn high rewards on gas, for example, but don’t regularly spend a lot filling your tank, another card may be better for you.
  • Balance transfer rate: If you’re interested in consolidating credit card debt, you may want to make a look at the card’s balance transfer rate. Some cards offer promotional rates where you can carry a balance without incurring any interest for a limited time.
  • Annual fee: This is the annual cost of holding a credit card. This can range from $0 to hundreds of dollars per year, depending on the card. Keep in mind that if a card does come with an annual fee, you’ll want to ensure you can earn enough in rewards and perks to compensate for the cost.
  • Additional perks: Many cards come with additional perks that might go unnoticed, such as concierge services, travel insurance, rental car insurance, and extended warranty protection.

The 5 best credit cards for high credit scores

Card Rewards rate Annual fee Special benefits
Blue Cash Preferred Card from American Express 6% cash back at U.S. supermarkets (for first $6,000 per year) and on U.S. streaming services, 3% at U.S. gas stations and on eligible transit, and 1% on other purchases $95
  • Car rental insurance
  • Lots of cashback categories
  • 0% intro APR
Capital One® Venture® Rewards Credit Card 2X miles on every purchase, every day $95 (waived first year)
  • $100 credit for Global Entry/TSA PreCheck
  • Extended warranty
  • Car rental insurance
  • Travel accident insurance
  • Access to premium culinary events, sports events, and concerts
Citi Double Cash Card up to 2% cash back on all purchases: 1% as you buy and 1% as you pay $0
  • Introductory APR on balance transfers
Chase Sapphire Preferred 5X on Lyft rides, 2X points on eligible dining and travel, and 1X points per $1 on all other eligible purchases $95
  • Trip cancellation and interruption insurance
  • Car rental insurance
  • Baggage delay insurance
  • Trip delay reimbursement
  • Purchase protection
The Platinum Card from American Express 5X points per dollar spent on eligible airfare and hotel purchases, and 1X points per dollar on all other eligible purchases $550
  • $200 annual airline fee credit
  • $200 annual Uber credits
  • $100 credit for Global Entry/TSA PreCheck
  • Access to American Express Global Lounge Collection
  • Elite status with Hilton Honors and Marriott Bonvoy
  • Elite status with car rental loyalty programs
  • Car rental insurance

1. Blue Cash Preferred Card from American Express

The Blue Cash Preferred Card from American Express is a great card for someone that is looking to earn great cashback on their daily purchases. This card, which comes with a $95 annual fee, is very unique as it has a wide variety of cashback categories.

With this card, you will earn 6% cash back at U.S. supermarkets (for first $6,000 per year) and on U.S. streaming services, 3% at U.S. gas stations and on eligible transit, and 1% on other purchases. Those are decent cashback rates in common spending categories, and your rewards can quickly add up.

For example, say you spend $250 a month at supermarkets and $100 each month on gas. You’d earn 6% on your grocery purchases and 6% filling up your tank, which translates to $216 in cash back annually — more than enough to make up for the annual fee.

On top of that, you can also earn a $250 statement credit after spending $1,000 on purchases in the first 3 months.

#1 Cash Back at Supermarkets

Benefits

  • $250 statement credit welcome offer
  • 6% cash back on U.S. streaming services and at U.S. supermarkets
  • 3% cash back at U.S. gas stations and on eligible transit
  • 0% intro APR on balance transfers and purchases
  • Terms apply

Drawbacks

  • Has annual fee
  • Has foreign transaction fee

2. Capital One® Venture® Rewards Credit Card

The Capital One Venture Rewards Credit Card is a great choice for someone that wants to earn valuable points without the hassle of memorizing spending categories.

With this card, you’ll get 2X miles on every purchase, every day. With convenient earnings like this, it makes for a great credit card to use on your daily purchases. Plus, the Capital One miles you earn can be transferred directly to a variety of travel partners, including airlines and hotels. With the option to redeem these miles in multiple ways, you can keep your travel costs down no matter how you choose to get from point A to B.

You can also earn a great chunk of points through the card’s sign-up bonus. You’ll earn 50,000 bonus miles after spending $3,000 in the first 3 months.

To add, this card could help make your travel experience much more enjoyable. You get a $100 credit towards signing up for TSA PreCheck or Global Entry, rental car insurance, travel accident insurance, and no foreign transaction fees.

Incredibly Flexible Rewards

Benefits

  • 50,000 bonus mile welcome offer
  • 2X miles on every purchase, every day
  • Up to $100 Global Entry or TSA PreCheck fee credit
  • No foreign transaction fees

Drawbacks

  • Has annual fee (after first year)
  • Requires good to excellent credit

3. Citi Double Cash Card

The Citi Double Cash Card is a useful option for someone looking to earn effortless cash back on all of their purchases without any spending categories to keep track of.

With this card, you’ll up to 2% cash back on all purchases: 1% as you buy and 1% as you pay. This cash back can help you save a respectable amount of money over the course of a year. And for someone with excellent credit, this card can help you continue to save money and get you to your financial goals.

Additionally, the card comes with a $0 annual fee and an introductory 0% APR on balance transfers over the first 18 months.

Earn Cash Back Twice

Citi Double Cash Card

Citi Double Cash Card

Citi Double Cash Card

Benefits

  • 0% intro APR on balance transfers for 18 months
  • 2% cash back on all purchases - 1% when you buy and 1% when you pay
  • No annual fee

Drawbacks

  • Foreign transaction fee
  • No sign-up bonus

4. Chase Sapphire Preferred

If travel is a priority now or in the future, the Chase Sapphire Preferred could quickly become your best friend. It’s widely regarded as one of the best credit cards to earn travel rewards, and for good reason.

With the Chase Sapphire Preferred, you’ll earn 5X on Lyft rides, 2X points on eligible dining and travel, and 1X points per $1 on all other eligible purchases. These points are extremely valuable as they can be transferred to a wide variety of Chase travel partners, including Southwest Airlines, United Airlines, British Airways, and Hyatt hotels.

To add to the points you earn from your purchases, you can give your Chase Ultimate Rewards balance a boost with the card’s healthy sign-up bonus. You can earn 60,000 points after spending $4,000 on purchases in the first 3 months. Those 60,000 points alone are worth $750 when redeemed for travel through the Chase travel portal.

Additionally, this card is a powerful tool for your travel as it offers perks such as trip cancellation and interruption insurance, rental car insurance, baggage delay insurance, Chase purchase protection, and trip delay reimbursement.

#1 Travel Rewards Card

Benefits

  • 60,000 point sign-up bonus
  • 2X points on eligible dining and travel purchases
  • 25% more value when redeeming rewards for travel through Chase Ultimate Rewards
  • Premium travel protection benefits
  • No foreign transaction fees

Drawbacks

  • Has annual fee
  • Typically need to spend thousands to reap rewards

5. The Platinum Card from American Express

If you travel regularly and are looking to enjoy the more luxurious side of travel, the Platinum Card from American Express is an outstanding choice. My wife and I both have this card and it’s our favorite for its travel perks.

The Platinum Card comes with a long list of travel perks, including:

  • $200 annual credit for Uber
  • $200 annual Amex airline fee credit
  • Access to the American Express Global Lounge Collection, including Priority Pass
  • $100 TSA PreCheck/Global Entry credit
  • Complimentary elite status with Hilton Honors and Marriott Bonvoy
  • Car rental insurance
  • No foreign transaction fees

Outside of travel perks, the card comes with outstanding earning potential. Earn 60,000 points after spending $5,000 in the first 3 months. Plus, you’ll get 5X points per dollar spent on eligible airfare and hotel purchases, and 1X points per dollar on all other eligible purchases.

Keep in mind that the Platinum Card from American Express comes with a $550 annual fee. While it may be a hard pill to swallow, it’s possible to earn back that fee if you can regularly maximize the perks above.

Best Luxury Travel Benefits

Benefits

  • 60,000 Membership Rewards point welcome offer
  • 5X points on eligible flights and hotels
  • $15 in free U.S. Uber rides each month ($20 in December)
  • $200 airline fee credit each year
  • Access to Centurion and Priority Pass airport lounges
  • Terms apply

Drawbacks

  • High annual fee
  • Airline fee credit limited to one airline per year

The 2 best business credit cards if you have a high credit score

If you’re a business owner, you can take advantage of outstanding rewards by using business credit cards. Business credit cards come with great benefits to assist your business like extended warranty protection, trip cancellation protection, and tax software integration. These perks can ease some stress and allow you to focus on building and growing your business.

Once your credit score is built back to a place where a new credit card may be necessary, here are two business credit cards you can select from.

Card Rewards rate Annual fee Special benefits
Business Platinum Card from American Express up to 5X points $595
  • $200 annual Dell credit
  • $200 airline fee credit
  • $100 TSA PreCheck/Global Entry credit
  • 35% airline bonus
  • Access to American Express Global Lounge Collection
  • Elite status with Hilton Honors and Marriott Bonvoy
  • Elite status with car rental loyalty programs
  • Car rental insurance
Chase Ink Business Preferred up to 5X points $95
  • Trip cancellation and interruption insurance
  • Car rental insurance
  • Purchase protection
  • Cell phone protection

1. Business Platinum Card from American Express

With the Business Platinum Card from American Express, business owners with high credit can earn valuable points for travel. It’s also a solid pick if you’re planning to make a large purchase.

You will earn 5X points on flights and prepaid hotels on Amextravel.com, 1.5X points on eligible purchases of $5,000 or more, and 1X points per $1 spent on other purchases. On top of that, the card’s welcome offer could be seriously lucrative for business owners that can meet the minimum spending requirement. Earn 75,000 Membership Rewards points after you spend $15,000 on purchases within the first 3 months.

If you were able to earn the full welcome bonus, you would easily have at least 95,000 American Express Membership Rewards points to use. And with these points valued by some travel rewards experts at up to two cents per point, your points could worth roughly $1,900.

The annual fee for this card is a steep $595, but the rewards you earn could quickly offset that fee.

Premium Business Rewards

Benefits

  • 75,000 point welcome offer
  • 5X points on qualifying flight and hotel purchases
  • 1.5X points on eligible purchases of $5,000 or more
  • Up to $200 statement credit per year for airline incidental fees
  • Terms apply

Drawbacks

  • High annual fee
  • Requires good to excellent credit

2. Chase Ink Business Preferred

The Chase Ink Business Preferred could be a great asset to your business. This card comes with a variety of features to help you organize your business and useful spending categories on common business purchases to earn heaps of rewards.

With the Chase Ink Business Preferred, you will earn 5X points on Lyft rides; 3X points on the first $150,000 spent each year on travel, shipping, internet, cable, or phone services, and advertising purchases with social media and search engines; and 1X points per $1 on everything else.

If you were to maximize the first category each year, you would have 450,000 Chase Ultimate Rewards at your disposal. Those rewards could translate into a lot of award travel — especially considering that your points are worth 25% more when you redeem them for travel through the Chase Ultimate Rewards portal.

In addition, you will have trip cancellation insurance, cell phone protection, roadside dispatch, extended warranty purchase, and rental car insurance to keep your business moving forward.

Hot Sign-up Bonus

Benefits

  • 100,000 point sign-up bonus
  • 3X points on travel and common business spending categories
  • Flexible redemption options
  • Additional employee cards at no extra cost

Drawbacks

  • Has annual fee
  • No intro 0% APR promotion offered
  • Limited business-specific benefits

Why we chose these cards

We chose these seven credit cards for a few simple reasons. First, the credit score needed to apply. All of these cards require good-to-excellent credit, so only qualified applicants will be approved.

The second reason is the rewards you can earn. A great benefit of having a high credit score is the ability to apply for great credit cards that can earn you travel reward points or cash back.

There are plenty of cards designed for consumers with less-than-perfect credit, so don’t get discouraged. But once you get above a 670 credit score, there are incredible cards that allow you to earn massive cash back or points that can get you on your next vacation.

The third factor we considered is the additional perks of each card. Each of these cards come with added benefits that will help you save money on your bills or give you extensive coverage that can come in handy when things go awry.

The bottom line on the best credit cards for high credit scores

If you’ve already achieved a high credit score, great job! Hopefully one of the cards above can help you continue to raise your credit score and also earn you rewards simultaneously.

If you’re credit score isn’t there just yet, that’s okay, too. It takes time to raise your score, but with careful money management you will be there before you know it. In the meantime, you could still earn valuable rewards with the top credit cards for average credit.