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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!

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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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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, #1 Low ...
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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Simmons Bank Visa® Platinum Rewards
Simmons Bank Visa® Platinum Rewards

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Intro Purchase Apr Regular Apr Ann.Fee
N/A 9.25% (Variable) $0
Type: Low Interest, Reward, Poi ...
Rank: #1 Airline , #1 No Annua ...
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
 
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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: USAA, Low Interest, Rewar ...
Rank: #1 Cash Back , #1 USAA S ...
Credit Needed:   Good/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.
 
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USAA Rate Advantage Platinum MasterCard®
USAA Rate Advantage Platinum MasterCard®

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Intro Purchase Apr Regular Apr Ann.Fee
N/A 6.90%-23.90% (Variable) $0
Type: USAA, Low Interest, Credi ...
Rank: #2 Low Interest , #3 USA ...
Credit Needed:   Good/Excellent
  • USAA Bank products are only available to military members, veterans who have received an Honorable discharge, and their eligible family members.
  • No annual fee: And avoid fine-print fees - no over-the-limit fees or penalty rates, so you keep more money in your pocket.
  • Variable rates starting at 6.9% on purchases, balance transfers and cash advances. It's the same low rate for all transactions.
  • Free Travel and Retail Benefits: Get benefits like Rental Car Collision Damage Coverage and Extended Warranty coverage on your purchases.
  • Making your busy life simpler: Our online and mobile tools help you manage your account anytime, anywhere.
 
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USAA Rewards™ American Express® Card
USAA Rewards™ American Express® Card

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Intro Purchase Apr Regular Apr Ann.Fee
N/A 9.90%-25.90% (Variable) $0
Type: USAA, Low Interest, Rewar ...
Rank: #1 Points Rewards , #1 G ...
Credit Needed:   Good/Excellent
  • USAA Bank products are only available to military members, veterans who have received an Honorable discharge, and their eligible family members.
  • Earn 2,500 Bonus Points after your first purchase and earn 2X points per dollar spent on gas and grocery purchases all the time.
  • No caps or limits on the amount you can earn.
  • Redeem your USAA Rewards points towards cash, gift cards, name brand merchandise and travel with no blackout date.
  • Redeem your points anytime on USAA's website or from your mobile device - with no redemption fee.
  • 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.
 
CCA In-House Review & more info
USAA Cash Rewards® Visa®
USAA Cash Rewards® Visa®

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Intro Purchase Apr Regular Apr Ann.Fee
N/A 9.90%-25.90% (Variable) $0
Type: USAA, Low Interest, Rewar ...
Rank: #2 Cash Back , #3 Reward ...
Credit Needed:   Good/Excellent
  • USAA Bank products are only available to military members, veterans who have received an Honorable discharge, and their eligible family members.
  • Earn rebates up to 1.25% on your everyday purchases. There's no limit to the amount you can earn.
  • 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
USAA Rewards™ Visa®
USAA Rewards™ Visa®

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Intro Purchase Apr Regular Apr Ann.Fee
N/A 9.90%-25.90% (Variable) $0
Type: USAA, Low Interest, Rewar ...
Rank: #1 Reward , #3 Points Re ...
Credit Needed:   Good/Excellent
  • USAA Bank products are only available to military members, veterans who have received an Honorable discharge, and their eligible family members.
  • Redeem your USAA Rewards points towards cash, gift cards, name brand merchandise and travel with no blackout date.
  • Free Travel and Retail Benefits: Get benefits like Visa® Auto Rental Collision Damage Waiver Insurance, Worldwide Automatic Travel Accident Insurance, and Warranty Manager Service.
  • 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
USAA Active Military MasterCard®
USAA Active Military MasterCard®

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Intro Purchase Apr Regular Apr Ann.Fee
N/A 9.90%-25.90% (Variable) $0
Type: USAA, Credit Quality Exce ...
Rank: #8 Credit Quality Excell ...
Credit Needed:   Good/Excellent
  • Earn rebates up to 1.25% on your everyday purchases.
  • 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.
  • Your cash rebate is awarded every January for the purchases made the previous 12 months.
  • There's no limit to the amount you can earn.
 
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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