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Credit cards for excellent credit

  • APR:10.99% - 22.99% Variable*
  • Annual Fees:$0
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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.

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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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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
  • 0% intro APR on balance transfers for 18 months—then a variable purchase APR applies, currently 10.99 - 22.99%. A 3% fee applies to each transferred balance.
  • 0% intro APR on purchases for 6 months. Then the variable purchase APR applies, currently 10.99% - 22.99%.
  • Rated 4.8 out of 5 Stars by over 4,000 cardmembers.*
  • No annual fee, no late fee for your first late payment - APR won't go up for you paying late, no overlimit fee and no foreign transaction fee.*
  • Free FICO® Credit Score online and on monthly statements.*
  • 5% cash back at gas stations on up to $1,500 in purchases from July through September 2014 when you sign up*. 1% cash back on all other purchases automatically.*
  • 100% U.S.- based customer service—anytime, day and night.
  • *See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply."
 
CCA In-House Review & more info
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 Cash Back , #1 Credit ...
Credit Needed:   Excellent
  • 0% intro APR on purchases & balance transfers for 14 months—then a variable purchase APR applies, currently 10.99 - 22.99%. A 3% fee applies to each transferred balance.
  • Rated 4.8 out of 5 stars by over 4,000 cardmembers.*
  • No annual fee, no late fee for your first late payment - APR won't go up for you paying late, no overlimit fee and no foreign transaction fee.*
  • Free FICO® Credit Score online and on monthly statements.*
  • 5% cash back at gas stations on up to $1,500 in purchases from July through September 2014 when you sign up*. 1% cash back on all other purchases automatically.*
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized Discover card purchases.
  • U.S.- based customer service—anytime, day and night.
  • *See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply."
 
CCA In-House Review & more info
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: #3 Points Rewards , #5 C ...
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, #4 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
 
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Barclaycard Arrival™ World MasterCard®
Barclaycard Arrival™ World MasterCard®

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Intro Purchase Apr Regular Apr Ann.Fee
0% 14.99% or 18.99%* (Variable) $0
Type: Low Interest, Balance Tra ...
Rank: #2 Points Rewards , #2 A ...
Credit Needed:   Excellent
  • Earn 20,000 bonus miles when you spend $1,000 on purchases in the first 90 days — that's enough to redeem for a $200 travel statement credit
  • 0% intro APR on balance transfers and purchases for the first 12 months after account opening. After that, variable APR, currently 14.99% or 18.99%, based upon your creditworthiness.
  • Earn 2X miles on travel and dining and 1X miles on all other purchases
  • Miles don't expire as long as your account is open, active and in good standing
  • Book the travel you want — airfare, hotels, cruises and more and earn miles on your purchase
  • Get 10% miles back to use toward your next redemption every time you redeem for travel statement credits
  • No foreign transaction fees on anything you buy while in another country
  • Complimentary online FICO® Score access for Barclaycard Arrival cardmembers
 
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Barclaycard Arrival Plus™ World Elite MasterCard®
Barclaycard Arrival Plus™ World Elite MasterCard®

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Intro Purchase Apr Regular Apr Ann.Fee
N/A 14.99% or 18.99%* (Variable) $89 - Waived first year
Type: Low Interest, Reward, Poi ...
Rank: #1 Reward , #1 Points Re ...
Credit Needed:   Excellent
  • Earn 40,000 bonus miles when you spend $3,000 on purchases in the first 90 days — that's enough to redeem for a $400 travel statement credit
  • Earn 2X miles on all purchases
  • Miles don't expire as long as your account is open, active and in good standing
  • Chip card for increased confidence and convenience to pay abroad as easily as you do at home
  • Book the travel you want — airfare, hotels, cruises and more and earn miles on your purchase
  • Get 10% miles back to use toward your next redemption every time you redeem for travel statement credits
  • No foreign transaction fees on anything you buy while in another country
  • Complimentary online FICO® Score access for Barclaycard Arrival cardmembers
 
CCA In-House Review & more info
Discover it® chrome
Discover it® chrome

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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
  • 2% cash back automatically on up to $1,000 in combined purchases at restaurants and gas stations every quarter—no sign-ups needed*. 1% cash back on all your other purchases.
  • 0% intro APR on purchases and balance transfers for 14 months—then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
  • APR won't go up if you pay late.
  • No annual fee, no overlimit fee, no late fee on your first late payment and no foreign transaction fee*.
  • Free FICO® Credit Score online and on your monthly statement so you can track your score's progress*.
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized Discover card purchases.
  • U.S. based customer service—anytime, day and night.
  • *See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply".
 
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: #3 Low Interest , #4 Bar ...
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
0% 13.99%, 16.99% or 20.99%* (Variable) $0
Type: Low Interest, Balance Tra ...
Rank: #3 Reward , #4 Points Re ...
Credit Needed:   Excellent
  • 0% APR on purchases and balance transfers for the first 12 months after account opening (after that a variable APR currently 13.99% - 20.99% depending on your 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
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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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