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Credit cards for excellent credit

  • APR:10.9% - 18.9% (V)
  • Annual Fees:$0
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Key Features: No annual fee - 0% intro APR on balance transfers until July 2015 - Roadside assistance - fraud liability and more.....

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If you have an excellent credit score, you're probably well aware of everything you need to do to make sure your accounts are managed correctly. And as a result, you're probably on the lookout for a credit card application that will reward you for your years of diligence in maintaining strong borrowing habits.More...

 
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Capital One® Platinum Prestige Credit Card
Capital One® Platinum Prestige Credit Card

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Key Features: No annual fee - 0% intro APR on balance transfers until July 2015 - Roadside assistance - fraud liability and more.....


Intro Purchase Apr Regular Apr Ann.Fee
0% 10.9% - 18.9% (V) $0
Type: Low Interest, Balance Tra ...
Rank: #2 Low Interest , #2 Mas ...
Credit Needed:   Excellent/Good
  • Transfer a balance for 0% intro APR until July 2015
  • Get 0% intro APR on all purchases until July 2015
  • Enjoy no annual fee
  • Get peace of mind with fraud coverage if your card is lost or stolen
  • Enjoy extended warranty protection on eligible items purchased with your card
  • Fast and easy access, 24/7
  • Rent a car using your card and get collision, damage, and loss insurance
  • Feel secure with 24-hour roadside assistance
 
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Discover it®
Discover it®

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Key Features: Long Intro APR on balance transfers (18 months). - competitive cash back rewards - excellent customer service. - no annual fee.


Intro Purchase Apr Regular Apr Ann.Fee
0% 10.99% - 22.99% Variable* $0
Type: Low Interest, Balance Tra ...
Rank: #1 Low Interest , #1 Bal ...
Credit Needed:   Excellent
  • Fair. No annual fee. No overlimit fee. No foreign transaction fee. Pay up to midnight ET online or by phone on your due date without a fee. Plus, paying late won't raise your APR.*
  • Generous. 5% cash back at Home Improvement Stores, Furniture Stores and Bed Bath & Beyond® on up to $1,500 in purchases from April through June 2014.*
  • Human. 100% U.S.-based customer service available any time.
  • Safe. Because you're never responsible for unauthorized charges with our $0 Fraud Liability Guarantee.
  • Plus, free FICO® Credit Score on your monthly statement to help you stay on top of your credit.*
  • 0% Intro APR* on balance transfers for 18 months. Then the variable purchase APR applies, currently 10.99% - 22.99%. A fee of 3% applies for each balance transferred.
  • 0% Intro APR* on purchases for 6 months. Then the variable purchase APR applies, currently 10.99% - 22.99%.
  • * Click "Apply" to see rates, rewards, and free FICO® Credit Score terms and other information.
 
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Capital One® Quicksilver® Cash Rewards Credit Card
Capital One® Quicksilver® Cash Rewards Credit Card

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Key Features: Unlimited 1.5% cash back on every purchase, every day - simple to use - easy to redeem.


Intro Purchase Apr Regular Apr Ann.Fee
0% 12.9% - 22.9% (V) $0
Type: Low Interest, Balance Tra ...
Rank: #1 Cash Back , #2 Gas Ca ...
Credit Needed:   Excellent/Good
  • 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
  • Redeem the cash back you earn for any amount, any time
  • Your cash back doesn't expire
  • 0% intro APR on purchases and balance transfers until January 2015
  • No annual fee
 
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Discover it®
Discover it®

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Key Features: 0% APR for 14 months on purchases AND balance transfers - Very low fees - Generous cash-back rewards - Excellent customer service.


Intro Purchase Apr Regular Apr Ann.Fee
0% 10.99% - 22.99% Variable* $0
Type: Low Interest, Balance Tra ...
Rank: #1 Gas Cards, #2 Cash Ba ...
Credit Needed:   Excellent
  • Fair. No annual fee. No overlimit fee. No foreign transaction fee. Pay up to midnight ET online or by phone on your due date without a fee. Plus, paying late won't raise your APR.*
  • Generous. 5% cash back at Home Improvement Stores, Furniture Stores and Bed Bath & Beyond® on up to $1,500 in purchases from April through June 2014.*
  • Human. 100% U.S.-based customer service available any time.
  • Safe. Because you're never responsible for unauthorized charges with our $0 Fraud Liability Guarantee.
  • Plus, free FICO® Credit Score on your monthly statement to help you stay on top of your credit.*
  • 0% Intro APR* on purchases and balance transfers for 14 months. Then the variable purchase APR applies, currently 10.99% - 22.99%. A fee of 3% applies for each balance transferred.
  • *Click "Apply" to see rates, rewards, and free FICO® Credit Score terms and other information.
 
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Capital One® VentureOne® Rewards Credit Card
Capital One® VentureOne® Rewards Credit Card

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Key Features: - ZERO percent Intro apr on purchases until April 2015 - 1.25 miles for every dollar spent - No limits on miles earned.. - No expiration of miles.


Intro Purchase Apr Regular Apr Ann.Fee
0% 11.9% - 19.9% (V) $0
Type: Low Interest, 0% APR, Rew ...
Rank: #1 Credit Quality Good, ...
Credit Needed:   Excellent/Good
  • Earn unlimited 1.25 miles on every purchase, every day
  • No annual fee
  • Enjoy a one-time bonus of 20,000 miles once you spend $2,000 on purchases within the first 3 months, equal to $200 in travel
  • Fly any airline, stay at any hotel, anytime
  • Enjoy a low intro APR on purchases
  • Travel when you want—no blackout dates
  • Miles don't expire
  • No limit to the miles you can earn
 
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Capital One® Venture® Rewards Credit Card
Capital One® Venture® Rewards Credit Card

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Key Features: Earn TWO miles on every dollar spent, every day - No blackout dates - Miles never expire.


Intro Purchase Apr Regular Apr Ann.Fee
N/A 13.9% - 20.9% (V) $0 intro for first year; $59 after that
Type: Reward, Airline, Credit Q ...
Rank: #2 Reward , #2 Capital O ...
Credit Needed:   Excellent/Good
  • Earn unlimited 2X miles on every purchase, every day
  • Enjoy a one-time bonus of 20,000 miles once you spend $2,000 on purchases within the first 3 months, equal to $200 in travel
  • Fly any airline, stay at any hotel, anytime
  • Travel when you want—no blackout dates
  • Miles don't expire
  • No limit to the miles you can earn
  • No foreign transaction fees
  • No annual fee for the first year; $59 after that
 
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Citi® Diamond Preferred® Card
Citi® Diamond Preferred® Card

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Key Features: Lowest price feature - 24/7 concierge help - no annual fee.


Intro Purchase Apr Regular Apr Ann.Fee
0%* 11.99%-21.99%* (Variable) $0*
Type: Low Interest, Balance Tra ...
Rank: #3 Citi , #7 MasterCard, ...
Credit Needed:   Excellent
  • Get 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the APR will be 11.99%-21.99% based upon your creditworthiness.*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer.
  • Citi® Easy DealsSM Get what you want for less. Earn Citi Easy Deals Points for the purchases you make with your card.
  • Redeem your points for great online deals on name-brand merchandise, gift cards and even local deals.
  • Let our 24/7 concierge service help book your hotel rooms, flights and more.
  • $0 liability on unauthorized purchases and Citi® Identity Theft Solutions.
  • No annual fee*
 
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NFL Extra Points Credit Card
NFL Extra Points Credit Card

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Key Features: Earn 2 points on every dollar spend on NFL/Team purchases - Earn 1 point on all other purchases - Your team logo - FAIR credit ok


Intro Purchase Apr Regular Apr Ann.Fee
N/A 14.99% or 22.99%* Variable $0
Type: Reward, Points Rewards, C ...
Rank: #4 Cash Back , #5 Points ...
Credit Needed:   Good to Excellent
  • Earn 10,000 bonus points after $500 in purchases in the first 90 days, redeemable for $100 cash back statement credit
  • No annual fee
  • All 32 teams or the NFL Shield card plastic are available
  • Earn 2 points per $1 spent on NFL or team purchases in-stadium and at the Pro Shop and 1 point per $1 on all other purchases
  • No limit to the points you can earn
  • Redeem points for VIP NFL experiences, game tickets or cash back statement credits on travel or any other purchase of $25 or more
  • 20% off every purchase at NFLShop.com - that's $20 off every $100 you spend
 
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Simmons First Visa Platinum
Simmons First Visa Platinum

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Key Features: GREAT regular apr - no annual fee card with platinum benefits.


Intro Purchase Apr Regular Apr Ann.Fee
N/A 7.25% (Variable) $0
Type: Visa Low APR, Low Interes ...
Rank: #1 Visa Low APR, #9 Visa ...
Credit Needed:   Excellent
  • Excellent Credit Required - Applicants that do not have excellent credit will not be approved
  • Low 7.25% variable standard purchase APR and platinum benefits
  • No balance transfer fee for balances transferred in response to this online offer
  • No Annual Fee
 
CCA In-House Review & more info
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If you have excellent credit, you are in the very small minority of consumers who have been able to maintain top-notch scores in recent years, and as a result, lenders will extend to you the best credit card offers available. This might be reason enough to start looking into discontinuing the use of your old credit cards and upgrading to the new ones available to you.

Often, credit cards for consumers with excellent credit will combine the best features for a number of cards you might have had in the past into a single, extremely beneficial account.

Why will you get better terms on your new credit card?

For instance, you might have had any number of credit cards that granted you a low interest rate on your purchases, came with a great introductory rate, carried no annual fee or even granted you rewards points, miles or cash back for every dollar you spent on the account. The general rule of thumb for credit ratings is that the better your score, the better the rates and benefits your card will offer you. As a result, in many cases, the best credit cards reserved for those with excellent credit will offer a few of these attractive features, if not all of them simultaneously.

The reason lenders are so eager to extend you so many great benefits on one card like this is because your credit score shows that you are generally a good investment. They know that you're far less likely to run up high balances that you can't pay off, or miss a payment, than other consumers because you've been avoiding those issues for years. And again, people with borrowing habits like yours are a very small minority in the lending community, and those with excellent credit - typically defined as a FICO rating of between 750 and 799 - are very unlikely to ever fall seriously behind on payments.

In fact, only 2 percent of that small group is likely to fall 90 days or more behind on a payment within any two-year period. Compare that with those whose scores range between 550 and 599, of which slightly more than half are likely to miss three months' worth of payments. Consequently, many with low credit ratings are penalized by paying far higher interest rates than you will have to face, and often these cards come with sizable fees to help lenders protect their investments.

Choose what works best for you

Whenever you're choosing a new type of credit, whether it's a credit card or a loan, you should think hard about what you want from it, and compare a reasonable number of the best credit card offers that broadly meet your most important priorities.

For instance, if you fly a lot, you might want an airline rewards credit card that rewards spending with miles that can be put toward a number of travel-related perks. Or if you are carrying a high balance, balance transfer credit cards with a low APR could potentially save you far more in interest than the value of the airline rewards that sound so attractive.

Because credit cards for people with excellent credit come with so many perks, it can be easy to get overwhelmed by the values offered on a number of cards. Therefore, it's important to focus on narrowing down the features you want so that you find that card that will have the most benefit before you apply for a credit card.

In summary, identifying your best credit card deals is a question of first identifying the features and benefits available to you given your excellent credit rating and then specifically identifying the most important feature or features you use will actually use your new credit card.

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