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Credit cards for excellent credit


  • APR: 10.99%
  • Annual Fee: $0

Our #1 priority is finding Your Best Credit Card Application!

Compare top cards for excellent credit - Then apply online - fast approval!

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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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%, 19.99% or 24.99%* Variable $0
Type: Reward, Points Rewards, C ...
Rank: #1 Cash Back , #2 Points ...
Credit Needed:   Fair to Excellent
  • Earn 10,000 bonus points after $500 in purchases in the first 90 days, enough to redeem for a $100 cash back statement credit
  • 0% promotional APR for 6 months on ALL ticket purchases from a team ticket office. After that, a variable APR currently 14.99%, 19.99% or 24.99%, based on your credit worthiness
  • Earn 2 points per $1 on NFL or team purchases - game tickets, in-stadium and at team Pro Shops - and 1 point per $1 on all other purchases
  • 20% off every purchase at NFLShop.com - that's $20 off every $100 you spend
  • Redeem points for VIP NFL experiences, game tickets or 1% cash back statement credits beginning at 2,500 points for a $25 statement credit
  • All 32 team cards are available, customized with your favorite team's colors and logo
  • 0% introductory APR for 15 months on balance transfers made within 45 days of account opening. After that a variable APR, currently 14.99%, 19.99% or 24.99%, based on your creditworthiness
 
CCA In-House Review & more info
Simmons Bank Visa® Platinum
Simmons Bank 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, #3 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
Barclaycard® Ring MasterCard®
Barclaycard® Ring MasterCard®

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Intro Purchase Apr Regular Apr Ann.Fee
N/A 8.00% (Variable) $0
Type: Low Interest, Balance Tra ...
Rank: #1 Credit Quality Excell ...
Credit Needed:   Excellent
  • No Balance Transfer Fees - start saving immediately!
  • A low 8% variable APR on balance transfers and purchases
  • No Annual Fees
  • Choose your card benefits and features
  • Get rewarded through the new Giveback™ program, where Barclaycard Ring members get money back for good performance
  • Get exclusive access to our online community and vote on the card features you like and view the financials of the Barclaycard Ring MasterCard online
  • Learn more about personal finance from Barclaycard and other members
  • Complimentary FICO® Scores as a benefit to active cardmembers. Opt-in to have instant and convenient access to FICO® Scores from your Barclaycard online account.
 
CCA In-House Review & more info
The Carnival™ MasterCard®
The Carnival™ MasterCard®

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Intro Purchase Apr Regular Apr Ann.Fee
N/A 13.99%, 16.99% or 20.99%* (Variable) $0
Type: Low Interest, Balance Tra ...
Rank: #1 Reward , #1 Points Re ...
Credit Needed:   Excellent
  • 0% Intro APR for 15 months for each Balance Transfer made within 45 days of account opening and a variable rate of 13.99%, 16.99% or 20.99% APR thereafter, depending on creditworthiness
  • Earn 5,000 bonus points when you use your card for the first time
  • Earn Double points on any Carnival™ purchase
  • Earn 1 point per $1 spent everywhere else
  • Redeem points for cruises on Carnival™ or other eligible World's Leading Cruise Lines vacations, hotel or flight discounts, onboard gifts and services, merchandise or gift cards
  • No Annual Fee
  • Please see terms and conditions for complete details
 
CCA In-House Review & more info
The Hawaiian Airlines® World Elite MasterCard®
The Hawaiian Airlines<sup>®</sup> World Elite MasterCard<sup>®</sup>

see credit card application
Intro Purchase Apr Regular Apr Ann.Fee
N/A 15.99% or 24.99%* (Variable) $89
Type: Reward, Airline, Credit Q ...
Rank: #1 Airline , #1 MasterCa ...
Credit Needed:   Excellent
  • Earn 35,000 bonus miles when you spend $1,000 on purchases in the first 90 days*
  • Enjoy a complimentary 1st checked bag for the primary cardmember when you use your card to purchase eligible tickets directly from Hawaiian Airlines
  • Receive a one-time 50% off a companion discount on roundtrip coach travel between Hawaii and North America on Hawaiian Airlines
  • Earn 2X miles on direct purchases from Hawaiian Airlines and 1X miles on all other purchases
  • No foreign transaction fees on purchases
  • Get $100 off a companion ticket for roundtrip coach travel between Hawaii and North America on Hawaiian Airlines at each account anniversary
  • Earn 5,000 annual bonus miles after $10,000 in annual spend
  • See Terms and Conditions for details
 
CCA In-House Review & more info
U.S. Bank Visa® Platinum Card
U.S. Bank Visa® Platinum Card

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Intro Purchase Apr Regular Apr Ann.Fee
0% 9.99% - 23.99%* (Variable) $0*
Type: Low Interest, Balance Tra ...
Rank: #1 0% APR , #2 Visa, #2 ...
Credit Needed:   Excellent
  • 0% Intro APR* on purchases and balance transfers for 15 billing cycles. After that, a variable APR currently 9.99%-23.99%
  • No annual fee*
  • Online bill pay for a fast and convenient way to pay bills online with your U.S. Bank Visa® Platinum
  • $0 fraud liability* for unauthorized transactions if your card is ever lost or stolen
  • Fraud Protection detects and notifies you of any unusual card activity to help prevent fraud
  • Online account management and account alerts
 
CCA In-House Review & more info
Simmons Bank Visa® Platinum Rewards
Simmons Bank Visa® Platinum Rewards

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Intro Purchase Apr Regular Apr Ann.Fee
0% 9.25% (Variable) $0
Type: Low Interest, Reward, Poi ...
Rank: #4 Airline , #4 Visa, #5 ...
Credit Needed:   Excellent
  • Excellent Credit Required - Applicants that do not have excellent credit will not be approved
  • Low 9.25% variable standard purchase APR and platinum benefits
  • No balance transfer fee for balances transferred in response to this online offer
  • Travel Rewards - cardholders who enroll in the program receive one point per net dollar spent
  • Choose any U.S. based airline or ticket class. No blackout dates or seating restrictions
  • Other travel related options are hotels, cruises, vacation packages, car rental, and restaurants
  • No Annual Fee
 
CCA In-House Review & more info
The Priceline Rewards™ Visa® Card
The Priceline Rewards™ Visa® Card

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Intro Purchase Apr Regular Apr Ann.Fee
0% 14.99% or 21.99% (Variable) $0
Type: Reward, Points Rewards, C ...
Rank: #1 Visa, #2 Cash Back , ...
Credit Needed:   Excellent
  • Earn 5,000 bonus points after your first purchase
  • Earn 5X points on Priceline.com purchases
  • Earn 1 point on everything else
  • Plus, earn an additional 5,000 bonus points after spending $1,000 on qualifying transactions in the first 90 days of account opening
  • Your points can act like cash - Redeem points for statement credits against purchases made on your account
  • No limit to the number of points you can earn
  • Please see terms and conditions for complete details
 
CCA In-House Review & more info
USAA Cash Rewards® American Express® Card
USAA Cash Rewards® American Express® Card

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Intro Purchase Apr Regular Apr Ann.Fee
N/A 9.90%-25.90% (Variable) $0
Type: Low Interest, Reward, Gas ...
Rank: #1 USAA Savings, #3 Gas ...
Credit Needed:   Excellent
  • USAA Bank products are only available to military members, veterans who have received an Honorable discharge, and their eligible family members.
  • Earn up to 2.25% cash back on gas and grocery purchases and up to 1.25% cash back for all other purchases.
  • No caps or limits on the amount you can earn.
  • Your cash rebate is awarded every January for the purchases made the previous 12 months.
  • Enjoy variable rates as low as 9.9% APR on purchases, balance transfers and cash advances. This APR will vary with the market based on the prime rate.
  • No annual fee and no minimum finance charge.
 
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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