Best Credit Cards for Excellent Credit [December 2024]

Having excellent credit typically qualifies you for the best credit cards. This often means higher rewards rates, premium benefits, and valuable redemption options. Check out our top picks to find the right credit card for you.

The best credit cards for excellent credit

• Capital One Quicksilver Cash Rewards Credit Card: Excellent for simple cash back
  
• Citi Double Cash^® Card: Excellent for balance transfers
  
• Blue Cash Preferred^® Card from American Express: Excellent for rewards at U.S. supermarkets
  
• Chase Sapphire Preferred^® Card: Excellent for flexible travel rewards
• Citi Strata Premier℠ Card: Excellent for earning travel rewards on everyday spending
• Chase Sapphire Reserve^®: Excellent for flexible travel rewards and premium perks
• The Platinum Card^® from American Express: Excellent for premium travel benefits
• Capital One Venture X Rewards Credit Card: Excellent for overall travel value
• Costco Anywhere Visa^® Card by Citi: Excellent for gas and restaurant rewards

The best credit cards for excellent credit for December 2024

Card	Excellent for	Why it’s special	Annual fee
Capital One Quicksilver Cash Rewards Credit Card 4.5 FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.	Simple cash back	Earn 1.5% cash back on every purchase, every day; and 5% cash back on hotels and rental cars booked through Capital One Travel (terms apply)	$0
Citi Double Cash® Card 5.0 FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.	Balance transfers	Receive 0% intro APR on balance transfers for 18 months (then 18.49% - 28.49% (Variable))	$0
Blue Cash Preferred® Card from American Express 5.0 FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.	Grocery rewards	Earn 6% cash back at U.S. supermarkets (for first $6,000 per year, after that 1%) and on select U.S. streaming services, 3% cash back at U.S. gas stations and on eligible transit, and 1% cash back on other eligible purchases	$0 intro annual fee for the first year, $95 per year thereafter (Terms apply)
Chase Sapphire Preferred® Card 4.9 FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.	Flexible travel rewards	Receive a $50 annual Chase Travel℠ hotel credit, and redeem Chase Ultimate Rewards with over a dozen transfer partners or for an added 25% bonus through the Chase travel portal	$95
Citi Strata Premier℠ Card 4.9 FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.	Earning travel rewards on everyday spending	Earn 10X points on hotels, car rentals, and attractions booked on CitiTravel.com; 3X points on air travel and other hotel purchases, at restaurants, supermarkets, gas and EV charging stations; and 1X points on all other purchases	$95
Chase Sapphire Reserve® 5.0 FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.	Flexible travel rewards	Receive airport lounge access, $300 annual travel credit, and redeem Chase Ultimate Rewards with over a dozen transfer partners or for an added 50% bonus through the Chase travel portal	$550
The Platinum Card® from American Express 5.0 FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.	Premium travel benefits	Receive a variety of perks and benefits, plus airport lounge access and elite status with Marriott Bonvoy and Hilton Honors	$695 (Terms apply)
Capital One Venture X Rewards Credit Card 4.9 FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.	Overall travel value	Receive $300 annual travel credit, 10,000 anniversary miles, and airport lounge access	$395
Costco Anywhere Visa® Card by Citi 4.5 FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.	Gas and restaurant rewards	Earn 4% cash back on eligible gas and EV charging purchases for the first $7,000 per year and then 1% thereafter; 3% on restaurants and eligible travel purchases; 2% on all other purchases from Costco and Costco.com; and 1% on all other purchases	$0

Capital One Quicksilver Cash Rewards Credit Card: Excellent for simple cash back

Welcome offer: Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening.

Rewards rate: Earn 1.5% cash back on every purchase, every day; and 5% cash back on hotels and rental cars booked through Capital One Travel (terms apply).

Why we like it: The Quicksilver Cash Rewards is a simple cash back credit card with a $0 annual fee. It’s easy to use for earning rewards on all your eligible purchases without having to worry about loads of different spending categories.

What we don’t like: There aren’t many ways to earn more than the base rewards rate with the Capital One Quicksilver since it doesn’t have many bonus categories. And the bonus categories it has don’t necessarily align with everyday purchases.

Check out our Capital One Quicksilver Cash Rewards review.

Citi Double Cash^® Card: Excellent for balance transfers

Welcome offer: Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.

Rewards rate: Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases; plus, a special travel offer, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/25.

Why we like it: The Citi Double Cash is a straightforward card for earning cash back on eligible purchases since it has a simple rewards rate and a $0 annual fee.

You can take advantage of its balance transfer offer for lower interest rates.

Receive 0% intro APR for 18 months on balance transfers (then 18.49% - 28.49% (Variable)). This is an exceptionally long introductory APR period, just be aware that there's a balance transfer fee (3% of each balance transfer ($5 minimum) within 4 months of account opening; then 5% of each transfer ($5 minimum) after the 4 month intro period ends), and the variable APR returns after the intro APR period ends.

What we don’t like: There’s no intro APR offer on purchases. And the Citi Double Cash doesn’t make the most sense to take on trips abroad since you have to pay 3% foreign transaction fees.

Learn more in our Citi Double Cash Card review.

Blue Cash Preferred^® Card from American Express: Excellent for grocery rewards

Welcome offer: Earn a $250 statement credit after spending $3,000 on eligible purchases in the first 6 months.

Rewards rate: Earn 6% cash back at U.S. supermarkets (for first $6,000 per year, after that 1%) and on select U.S. streaming services, 3% cash back at U.S. gas stations and on eligible transit, and 1% cash back on other eligible purchases. Note that the U.S. Supermarkets category doesn't typically include Target or Walmart.

Why we like it: There aren’t many cards that can compete with the earning potential of the Blue Cash Preferred and its specific bonus categories, which is helpful if you want to earn more rewards on everyday purchases.

You can also get $7 back each month in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription to the Disney Bundle (subject to auto renewal) with your Blue Cash Preferred^® Card from American Express. Enrollment required.

What we don’t like: There’s a $0 intro annual fee for the first year, $95 per year thereafter, and you have to pay 2.7% foreign transaction fees on applicable purchases. Your earning potential is also limited by a bonus category spending cap.

Check out our American Express Blue Cash Preferred review.

Chase Sapphire Preferred^® Card: Excellent for flexible travel rewards

Welcome offer: Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.

Rewards rate: Earn 5X points on travel purchased through Chase Travel℠; 3X points on dining, select streaming services, and online groceries; 2X points on all other travel purchases, and 1X points on all other purchases.

Why we like it: You can receive up to a $50 annual credit toward hotel stays purchased through Chase Travel℠, which helps offset the $95 annual fee. You also receive a 25% bonus toward travel redemptions made through the Chase Travel℠ portal.

What we don’t like: There's a $95 annual fee and you don't receive premium travel perks, such as airport lounge access.

Read our Chase Sapphire Preferred review.

Citi Strata Premier℠ Card: Excellent for earning travel rewards on everyday spending

Welcome offer: For a limited time, earn 75,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $750 in gift cards or travel rewards at thankyou.com.

Rewards rate: Earn 10X points on hotels, car rentals, and attractions booked on CitiTravel.com; 3X points on air travel and other hotel purchases, at restaurants, supermarkets, gas and EV charging stations; and 1X points on all other purchases.

Why we like it: The Citi Strata Premier Card offers access to the valuable Citi ThankYou Rewards program, making it an ideal card for travelers. You can transfer Citi ThankYou Points to over a dozen Citi transfer partners, including Singapore Airlines, Turkish Airlines, and Choice Privileges.

Other redemption options include travel, cash back, online shopping, gift cards, and covering recent purchases.

What we don’t like: You have to pay a $95 annual fee, and you don’t get access to premium travel benefits, such as airport lounge access and TSA PreCheck or Global Entry credits.

Learn more in our Citi Strata Premier Card review.

Chase Sapphire Reserve^®: Excellent for flexible travel rewards and premium perks

Welcome offer: Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.

Rewards rate: Earn 5X points on flights and 10X points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually; 3X points on other travel and dining & 1X points per dollar on all other purchases.

Why we like it: The Sapphire Reserve offers premium travel perks, including:

• Up to $300 annual travel credit
• Complimentary airport lounge access to Priority Pass lounges
• 50% bonus when redeeming points for travel through Chase Travel℠
• Up to $100 statement credit for Global Entry or TSA PreCheck every four years

You also have the flexibility to redeem your rewards for travel, gift cards, cash back, and more. Plus, there are extra perks including a 2-year Lyft Pink Membership, a 1-year DoorDash DashPass Subscription when you activate by Dec. 31. 2027, $5 in DoorDash credits each month through Jan 31, 2025, and upgrade your next getaway with The Edit℠ with room upgrades, complimentary daily breakfast, late checkout, and a special benefit worth up to $100.

What we don’t like: The $550 annual fee is higher than you’ll typically see on most credit cards with annual fees. 

Check out our Chase Sapphire Reserve review.

The Platinum Card^® from American Express: Excellent for premium travel benefits

Welcome offer: Earn 80,000 Membership Rewards points after spending $8,000 on eligible purchases on your new card in the first 6 months.

Rewards rate: Earn 5X points per dollar spent on eligible airfare (on up to $500,000 per calendar year, after that 1X) and eligible hotel purchases, and 1X points per dollar on all other eligible purchases.

Why we like it: You can take advantage of loads of different perks and benefits, including:

• Up to $240 ($20 back per month) annual digital entertainment credit
• Up to $200 Uber cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or Uber Eats orders in the US annually (starting 11/8/2024, you must use an Amex card as the payment method to redeem your Amex Uber Cash benefit)
• Up to $200 in annual statement credits for prepaid Amex Travel bookings through Amex Fine Hotels & Resorts or The Hotel Collection (requires a minimum two-night stay)
• Up to $200 airline fee credit per calendar year
• Up to $199 annual CLEAR Plus credit
• Up to $120 statement credit for Global Entry or a statement credit up to $85 for TSA PreCheck (Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.)
  
• Up to $155 and applicable local sales tax per year Walmart+ credit
• Up to $100 ($50 semi-annually) annual Saks Fifth Avenue credit
• Access to The Centurion Lounge, Priority Pass, Escape Lounges, and other airport lounge networks
• (Select benefits require enrollment.)

What we don’t like: There’s a high $695 annual fee and the rewards rate doesn’t make sense for using this card on everyday purchases, such as gas, groceries, or eating out.

Read our American Express Platinum review.

Capital One Venture X Rewards Credit Card: Excellent for overall travel value

Welcome offer: Earn 75,000 miles when you spend $4,000 on purchases in the first 3 months from account opening.

Rewards rate: Earn 2 miles per dollar on every purchase, every day; 10 miles per dollar on hotels and rental cars booked through Capital One Travel, 5 miles per dollar on flights and vacation rentals booked through Capital One Travel, and 5 miles per dollar on Capital One Entertainment purchases through 12/31/25.

Why we like it: The Venture X provides excellent travel perks and benefits, including airport lounge access for you and up to two guests (depending on availability) to Capital One and Priority Pass Lounges.

You also receive 10,000 anniversary miles each year and $300 annual credit for bookings through Capital One Travel.

What we don’t like: You have to pay a $395 annual fee and the annual travel credit benefit is a bit limited. The credit would be more flexible if you could use it for direct bookings with airlines and hotels, but it only applies if you book through Capital One Travel.

Learn more in our Capital One Venture X review.

Costco Anywhere Visa^® Card by Citi: Excellent for gas and restaurant rewards

Rewards rate: Earn 4% cash back on eligible gas and EV charging purchases for the first $7,000 per year and then 1% thereafter; 3% on restaurants and eligible travel purchases; 2% on all other purchases from Costco and Costco.com; and 1% on all other purchases.

Why we like it: The Costco Anywhere Visa is only for Costco members, but you aren’t limited to only using it at Costco. It’s accepted anywhere Visa credit cards are accepted, which opens up opportunities to earn increased rewards on common categories wherever you are.

What we don’t like: There’s typically no welcome offer and you need a Costco membership to apply. You also only have one redemption option, which is to receive your cashback rewards in the form of an annual reward certificate that can be used at U.S. Costco warehouses. 

Read our Costco Anywhere Visa Card review.

Methodology: How we chose these cards

In general, people with excellent credit want to see their creditworthiness pay off. It’s not always easy to build your credit, especially up to an excellent score, so the credit cards with the most rewards and benefits are reserved for individuals with excellent credit. Keeping this in mind, we picked credit cards that provide the best benefits and rewards in their respective categories.

We can’t assume everyone who wants a credit card is looking for the same thing or has the same financial needs. This is why there are different types of credit cards and why we chose the best ones in many common categories, including travel, luxury travel, cash back, grocery rewards, and restaurant rewards. There’s a wide variety of cards to choose from and they all provide amazing benefits.

How to improve your credit score to excellent

If you want to improve your credit score to excellent, there are different steps to take that can help build your credit. The best way to build your credit, though, is to incorporate all the steps together into a combined effort instead of focusing only on one or two.

Here are ways to improve your credit score to excellent:

• Open credit accounts. It’s impossible to build credit if you don’t open any credit accounts or get added as an authorized user on an account. As soon as you’re able to open an account, by meeting the requirements and being financially responsible, you should do so. This will start the process of building your credit history. Just don’t open too many accounts in a short period of time.
• Never miss a payment. If there’s ever a reason for you to miss a credit card or other type of credit payment, you likely shouldn’t have a credit account. If you simply forget about payments now and then, make sure you have on payment reminder notifications, which can be set up in any online credit card account.
• Keep debt levels low. Credit cards are great tools, but only if used correctly. Use them to pay for expenses, but don’t continuously max out your credit limits. It may seem like using a lot of credit is good for your credit score, but if your credit utilization is too high, your score will go down.
• Keep old credit accounts open. The average age of your open credit accounts affects your credit score. If you keep old accounts open, opening a new account likely wouldn’t have as much of an impact on this credit score factor.
• Mix up your credit. Only using credit cards or only having a car loan can build your credit a lot, but you’ll need to have multiple sources of credit to continue improving your score. Lenders want to see different types of credit so they know how well you can handle your finances. This step should come naturally as you open credit card accounts and then look to make big purchases, like on a car or home.

How to choose a credit card if you have excellent credit

You’ve checked your credit reports from the different credit bureaus and you know you have excellent credit. Now it’s time to decide which credit card to get from the many credit card issuers out there. Here are five factors to consider:

1. Welcome bonus offers

Welcome offers, sometimes called sign-up bonuses or welcome bonuses, are an excellent way for new cardmembers to receive a large amount of rewards soon after signing up for a credit card and meeting qualifying activities. They typically follow the format of having to spend a certain amount on your new card within a few months or more of signing up — and then you receive the welcome bonus.

As an example, the Chase Sapphire Preferred^® Card provides this sign-up bonus: Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.

There are more factors to consider, including rewards and benefits, but welcome offers can help you decide between multiple credit cards. For instance, you might discover one credit card has a limited-time bonus for new cardholders that’s too good to pass up.

2. Types of rewards

Credit card rewards are generally separated into three categories: points, miles, and cash back.

You would likely be interested in earning points or miles if you want to use your rewards on travel redemptions, including flights and hotel stays.

But if you aren’t interested in travel redemptions, cash back is often better for more flexible redemption options, such as statement credits that can go toward any purchases you’ve made on your card.

3. Earning potential

How you earn rewards and how many rewards you can earn depend on the earning rates on your credit card. You typically want to choose a credit card that has earning categories that align with your spending habits.

For example, if you typically spend a lot at grocery stores, it makes sense to apply for a credit card that offers bonus miles or cash back for groceries. But if you’d rather not have multiple credit cards for different types of purchases, you might prefer a flat-rate rewards credit card.

Flat-rate cards offer the same rewards rate no matter what you purchase, which could free up some space in your wallet and make it simpler for you to earn rewards.

4. Perks and benefits

If you’re comparing similar credit cards, taking a look at their perks and benefits could help you narrow down your choice.

For example, two travel credit cards might provide similar earning potential with points or miles. But one card might offer a free checked bag on a certain airline or transfers to airline and hotel partners, and another card might offer airport lounge access or travel insurance. In these types of situations, the better card for you depends on your preferences.

And it’s not just for travel cards, but any type of credit card you’re considering. You might find that two cards are generally the same in terms of rewards and benefits, but one also has an intro offer for 0% APR on purchases or balance transfers. Finding this additional benefit could make your decision easier, especially if you have an upcoming large purchase or want to lower your interest rate.

5. Annual fees

Nobody necessarily wants an annual fee on their credit card, but cards with annual fees tend to have better benefits than their no-annual-fee counterparts. You have to weigh the benefits of a credit card with an annual fee to see if it’s worth it for you.

For example, if a card has a $300 annual fee and provides a $300 travel credit each year, it might be easy to justify the annual cost. Especially if there are other benefits and also rewards to consider.

Credit cards for excellent credit pros and cons

Pros

• Card membership benefits: You can generally expect an above-average number of benefits on credit cards that require an excellent credit score. This could mean airport lounge access or top-tier elite status with travel credit cards, as well as different types of purchase and consumer protections. For example, cell phone protection or extended warranty coverage. Some of these benefits might come from the card network, such as Visa or Mastercard.
• Valuable rewards rates: It’s not always the case, but many credit cards for excellent credit provide high earning rates for cash back, points, or miles. This could be beneficial if you want to earn more rewards on everyday purchases, such as groceries and takeout. Or if you want to earn more on travel expenses or business purchases.
• High credit limits: In some cases, you might receive a higher credit limit on a credit card that requires excellent credit compared to a credit card that requires a lower credit score. That means more options for making larger purchases each billing cycle, as well as a potentially lower credit utilization rate since you would have more overall available credit.

Cons

• Credit score requirements: You typically need excellent credit to qualify for these types of cards, which means they’re often out of reach if you have a fair or bad credit score. If that's the case, you can explore our list of the best credit cards for bad credit. Keep in mind that credit card issuers use multiple factors to determine your card eligibility, so having a certain credit score doesn't guarantee approval.
• High annual fees: Some credit cards for excellent credit have high annual fees, potentially reaching hundreds of dollars.

FAQs

Bottom line

If you have excellent credit, you can likely qualify for a variety of different credit card offers, ranging from cashback credit cards to travel cards. But finding the best cards for excellent credit really depends on what you’re looking for. Each rewards card has its own unique benefits and perks, so the right card for someone else might not be the right card for you.

For top cashback credit card offers, check out our list of the best cashback credit cards. For top travel credit card offers, check out our list of the best travel credit cards.

Easy-to-Earn Unlimited Rewards

Bank of America^® Travel Rewards credit card

Benefits

Card Details

• $0 annual fee
• Simple, flat-rate rewards
• Flexible redemption options
• Up to 75% preferred Rewards bonus potential
• Apply Now

• Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire as long as your account remains open.
• 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.
• Use your card to book your trip how and where you want - you're not limited to specific websites with blackout dates or restrictions.
• Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.
• 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 18.49% - 28.49% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
• If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more points on every purchase. That means instead of earning an unlimited 1.5 points for every $1, you could earn 1.87-2.62 points for every $1 you spend on purchases.
• Contactless Cards - The security of a chip card, with the convenience of a tap.
• This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

4.1

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

Apply Now

on Bank of America’s secure website

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Intro Offer

Earn 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases

Annual Fee

$0

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Why we like it

• The Bank of America^® Travel Rewards credit card is great for individuals who enjoy earning rewards and traveling.

• Cardholders will enjoy the flexibility to redeem points with no blackout dates and receive a statement credit to pay for travel and dining purchases.

• Earn 1.5X points on all purchases everywhere, every time.

• Apply Now