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Best Credit Cards For Excellent Credit

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If you’re like me and you have a high FICO score above 800, welcome to the club – the 20% of us, consumers who have excellent credit. Our high credit score means we have access to some of the best credit cards that exist.

I don’t mean “excellent” in the subjective sense. I mean “excellent credit” in terms of the official ranking system the credit industry uses to determine the risk you won’t repay whatever credit you’re extended.

This Article Will Cover

With excellent credit the world’s wide open to you. We’re the customers bankers want and that, in turns, gives us access to credit cards that are available at the very top, including high limit credit cards generally out of reach for most consumers.

But I’ve always wondered myself: What are the best credit cards for excellent credit?

Here’s the answer…

What Is Excellent Credit?

All credit scores fall into a range that spans five categories: Poor, Fair, Good, Very Good, Excellent. Here’s how they shake out in terms of the score you need to reach each, and the number of consumers who fall into each category:

FICO RangesVantageScore Ranges
Credit ScoreCategoryPopulation Share Credit ScoreCategoryPopulation Share
800-850Exceptional20%750-850Excellent30%
740-799Very Good25%700-749Good13%
670-739Good21%650-699Fair19%
580-669Fair18%550-649Poor19%
300-579Very Poor16%300-549Very Poor19%

Source: experian.com

So, you can see that to reach have excellent credit, you need a high credit score – 750 or above.

That always leads people to the next question: What is the best credit score?

Generally speaking, the best credit score is 850, depending on which credit-reporting agency you’re looking at.

Best Credit Cards for Excellent Credit

INTRO APR on Purchases
0% (up to 14 months)
INTRO apr on Balance Transfer
0% (up to 15 months)
Regular APR
See Site
Annual Fee
$0
Bonuses & Rewards
  • The best credit cards for Excellent credit: April 2019
  • View all of the current card offers on Credit-Land.com by clicking Apply Now
  • Get 0% intro APR, cash back, sign-up bonuses and other perks
  • Offers available for Excellent and Good credit
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What’s The Best Credit Card For Excellent Credit?

I wish the answer was as easy as the question.

Because we’re such prime customers, every bank wants us. Which means every bank has a different offer it’s pitching to woo us.

The points to keep in mind, though, when seeking a card are:

What’s Most Import To You?

I care about airline miles. And because I don’t own a car, I have zero excitement about a card offering bonus miles on gasoline purchases. I’d rather get bonused on meals, entertainment or groceries. So pay attention to what the card is offering and determine if it fits your lifestyle.

What’s The Best Credit Card For Excellent Credit?

What Rewards Do You Want?

Miles or cash? Which do you care about collecting in terms of your spending? Some people don’t fly very often, so collecting a bunch of airline miles is likely pointless. Some people want to gather as many miles possible as quickly as possible so that they can jet off on another free airline flight. Find a card that offers the reward you value the most.

Think Wisely About Annual Fees.

Lots of advice exists telling you to grab the credit card with no annual fee. That’s not always the best advice, though. Ask yourself: What does this annual fee be me? Some of the cards for those of us with excellent credit get us access every year to certain airport lounges, which can run hundreds of dollars annually. Plus they’ll offer perks such as paying money toward Global Entry benefits (if you’re a world traveler) or other perks that are potentially valuable to your lifestyle. So, don’t reject a card just because of the fee – paying the fee might actually save you money in the end.

Apply for a Credit Card with Lounge Access from Our Partner

INTRO APR on Purchases
0% (up to 14 months)
INTRO apr on Balance Transfer
0% (up to 14 months)
Regular APR
See Site
Annual Fee
$0
Bonuses & Rewards
  • The best credit cards with Lounge Access: April 2019
  • View all of the current card offers on Credit-Land.com by clicking Apply Now
  • Get airport lounge access, 0% intro APR, cash back, sign-up bonuses and other perks
  • Offers available for Excellent and Good credit
  • No Foreign Transaction Fee
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That said, here are some of the best credit cards for excellent credit include:

Best Travel Rewards Cards For High Credit Scores

Citi / AAdvantage Executive World Elite Mastercard: No annual fee. 50,000 American Airlines AAdvantage bonus miles after spending $5,000 in purchases within the first 3 months of account opening. 2x AAdvantage miles for every $1 spent on eligible American Airlines purchases and 1 AAdvantage mile for every $1 spent on other purchases.

Alaska Airlines Visa Signature: 30,000 bonus miles after spending $1,000 in first 3 months. 3 x miles on every dollar spent on Alaska Airlines; 1x miles on everything else. $75 annual fee.

Capital One Venture Rewards: 50,000 bonus miles after spending $3,000 in first 3 months. 2x miles on every purchase. $0 intro for first year; $95 after that thereafter.

Capital One® Venture® Rewards Credit Card

INTRO APR on Purchases
N/A
INTRO apr on Balance Transfer
N/A
Regular APR
17.99% - 25.24% (Variable)
Annual Fee
$0 intro for first year; $95 after that
Rewards Program
Venture® Rewards
ABOUT THIS CREDIT CARD:
  • Enjoy a one-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel
  • Earn 2X miles on every purchase, every day. Plus earn 10X miles on thousands of hotels through January 2020; learn more at hotels.com/venture
  • Named ‘The Best Travel Card' by CNBC, 2018
  • Receive up to $100 application fee credit for Global Entry or TSA Pre✓®
  • Fly any airline, stay at any hotel, anytime; no blackout dates. Plus transfer your miles to over 12 leading travel loyalty programs
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • No foreign transaction fees
  • $0 intro annual fee for the first year; $95 after that
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Apply for a Travel Credit Card from Our Partner

INTRO APR on Purchases
0% (up to 14 months)
INTRO apr on Balance Transfer
0% (up to 14 months)
Regular APR
See Site
Annual Fee
$0
Bonuses & Rewards
  • April 2019: Best Travel Rewards and Air Miles Credit Cards
  • Clicking "Apply Now" will take you to the Credit-Land.com website to view card offers
  • Fly on Any Airline, Anytime
  • Offers Available for Excellent and Good Credit
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Best Cash-back Rewards Cards For High Scores

Capital One Savor Cash Rewards: valuable cash bonus after spending the minimum amount required. Great cash back on dining, entertainment and grocery stores, flat cash back on everything else.

Capital One Quicksilver Cash Rewards: lucrative cash bonus after spending $500 in first 3 months. 1.5 % cash back on everything. No annual fee.

Capital One® Savor® Cash Rewards Credit Card

INTRO APR on Purchases
N/A
INTRO apr on Balance Transfer
N/A
Regular APR
16.74% - 25.74% (Variable)
Annual Fee
$0 intro for first year, $95 after that
Rewards Program
Capital One® Cash Back Rewards
ABOUT THIS CREDIT CARD:
  • Earn a one-time $300 cash bonus after you spend $3000 on purchases within the first 3 months from account opening
  • Earn unlimited 4% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases. Plus, earn 8% cash back on tickets at Vivid Seats through May 2020.
  • Receive a monthly statement credit for a Postmates Unlimited monthly membership through Dec. 2019 with the Capital One Savor Card
  • No rotating categories or sign-ups needed to earn cash rewards; plus cash back won’t expire for the life of the account and there’s no limit to how much you can earn
  • No foreign transaction fees
  • Capital One cardholders get access to premium experiences in dining, entertainment and more
  • $0 intro annual fee for the first year, $95 after that
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Capital One® Quicksilver® Cash Rewards Credit Card

INTRO APR on Purchases
0% intro on purchases for 15 months
INTRO apr on Balance Transfer
0% intro on balance transfers for 15 months
Regular APR
16.24% - 26.24% (Variable)
Annual Fee
$0
Rewards Program
Capital One® Cash Back Rewards
ABOUT THIS CREDIT CARD:
  • One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 15 months; 16.24%-26.24% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 16.24%-26.24% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • Pay no annual fee or foreign transaction fees
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Best Luxury Card For Excellent Credit

Citi Prestige: 50,000 bonus points after spending $4,000 in the first three months. 5x points on air travel and restaurants; 3x on hotels and cruises; 1x everything else. Scads of benefits including complimentary fourth night free at hotel of your choice (2x / year). Priority Pass VIP airport lounge access. Annual Fee $450.

American Express Platinum: 60,000 bonus points after spending $5,000 in first 3 months. Way too many benefits to list, including 5x points on all flights booked with card. Access to American Express Centurion Lounges or Priority Pass lounges. Application fee credit for Global Entry or TSA PreCheck. Annual Fee of $550.

Citi Prestige® Card

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How to apply
To apply for this offer please contact
Citibank
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INTRO APR on Purchases
N/A
INTRO apr on Balance Transfer
N/A
Regular APR
17.99% - 25.99% Variable±
Annual Fee
$495
Rewards Program
ThankYou®
Bonuses & Rewards
  • + Earn 5X ThankYou points on Air travel and Restaurants, 3X ThankYou points on Hotels and Cruise Lines, 2X ThankYou points on Entertainment (former cardholders only, through 8/31/19), and 1X ThankYou Point per $1 spent on other purchases.
  • + $100 Global Entry fee credit every 5 years
  • + $250 air travel credit
  • You'll get 50,000 bonus points for spending $4,000 within the first 3 months of account opening, equal to at least $500 when redeemed for travel.
  • Complimentary 4th Night Stay: Get your fourth night free with no black-out dates if you book four nights in a row through ThankYou.com or your Citi Concierge, and pay using your card, ThankYou points, or a combination of both. Starting September 2019, this perk is capped at two uses per year; uses before that date don’t count toward the cap.
  • No Foreign Transaction Fee
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The Platinum Card® from American Express

INTRO APR on Purchases
N/A
INTRO apr on Balance Transfer
N/A
Regular APR
N/A
Annual Fee
$550
Rewards Program
Membership Rewards®
Bonuses & Rewards
  • 5x Membership Rewards® points on flights booked directly with airlines or with American Express Travel
  • 5x Membership Rewards points on prepaid hotels booked on amextravel.com
  • + Enjoy access to the Global Lounge Collection, the only credit card airport lounge access program that includes proprietary lounge locations around the world
  • + Receive complimentary benefits with an average total value of $550 with Fine Hotels & Resorts. Learn More
  • 60,000 bonus points after you spend $5,000 in the first 3 months
  • Enjoy Uber VIP status and free rides in the U.S. up to $15 each month, plus a bonus $20 in December. That can be up to $200 in annual Uber savings
  • $200 Airline Fee Credit, up to $200 per calendar year in baggage fees and more at one qualifying airline
  • Terms Apply
  • No Foreign Transaction Fee
  • + Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue on your Platinum Card®. Enrollment required
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Best Business Credit Cards For High Credit Scores

Chase Ink Business Unlimited: valuable cash back bonus after spending $3,000 during first few months. No annual fee.

Capital One Spark Cash for Business: lucrative cash back after spending $4,500 in first 3 months. 2% cash back on everything. $0 annual fee for the first year; $95 after that.

Chase Ink Business Unlimited Credit Card

INTRO APR on Purchases
0% Intro APR on Purchases for 12 Months
INTRO apr on Balance Transfer
0% Intro APR on Balance Transfers for 12 Months
Regular APR
14.99% - 20.99% Variable
Annual Fee
$0
Rewards Program
Chase Ink
Bonuses & Rewards
  • + Earn unlimited 1.5% cash back on every purchase made for your business
  • Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening
  • 0% introductory APR for 12 months on purchases and balance transfers
  • Employee cards at no additional cost
  • No Annual Fee
  • 3% foreign transaction fee
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Capital One® Spark® Cash for Business

INTRO APR on Purchases
N/A
INTRO apr on Balance Transfer
N/A
Regular APR
19.24% (Variable)
Annual Fee
$0 intro for first year; $95 after that
Rewards Program
Capital One® Cash Back Rewards
ABOUT THIS CREDIT CARD:
  • Earn unlimited 2% cash back for your business on every purchase, everywhere
  • Earn a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening
  • $0 annual fee for the first year; $95 after that
  • $0 Fraud Liability if your card is lost or stolen
  • Free employee cards, which also earn unlimited 2% cash back on all purchases
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
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Use Your Excellent Credit Score To Your Advantage

If you have excellent credit, exploit it as much as possible in your financial life. Here are a few ways to think about that:

Max Out Your Reward-earning Power

Pay for everything with your credit card, including a new car (if you’re in the market for one).

Max-out your reward earning power

If you’re into travel reward, you’ll rack up points and miles quickly that you can then redeem for free travel or free hotel nights.

If you’re into getting money back, then this strategy will have you earning as much cash-back as possible that you can then deposit into your bank or use to pay off all or a portion of your credit-card bill one month.

Carrying Multiple Cards

People I chat with often assume that having multiple credit cards lowers their credit score. To the contrary, a large line of credit (issued by way to multiple credit cards) can improve your credit score … but only if you keep a low balance.

Carrying Multiple Cards

It’s known as the “utilization rate”, or the amount of credit you’ve used relative to the amount of credit available to you. By adding a new credit line, you lower your utilization rate, assuming you don’t rush out and load up that card with debt.

With excellent credit, you can apply for an additional card or two and chances are quite good you’ll get those cards. And your utilization rate will fall.

Supercharge Your Travel Rewards And Cash Back Account

Credit cards for consumers with excellent credit often have superior sign-up bonuses and ongoing travel-reward accumulation.

Supercharge Your Travel Rewards And Cash Back Account

If you apply for one or two new credit cards (because of your excellent credit), you can snap up enough bonus miles to fly free overseas, possibly even in business class, for you and a partner.

And with multiple cards covering different spending categories, you can really maximize your mileage or cash-back accumulation. For instance, you might use Chase Freedoms’ quarterly rotating-bonus feature to earn 5% cash back in certain categories, like groceries or entertainment … but use the Capital One Quicksilver Cash Rewards card to earn 1.5% cash back on everything else you buy.

Refinance Your Debt

Refinance Your Debt

A high credit score will give you access to the lowest interest rates on personal loans. So if you have a mortgage or even a car loan that carries a high interest rate relative to currently prevailing rates, your excellent credit will allow you to refinance that loan with a new loan at a lower rate, thereby cutting your monthly costs.

Finance A Big-ticket Purchase

This isn’t necessarily the greatest use of your high credit score, but if you want to splurge on a big-ticket item, then might apply for a new credit card offering a 0% introductory rate. Pay for your big-ticket purchase with the new card, and then methodically repay your credit card over the period that the introductory APR is in effect.

Finance a big ticket

You will have engineered you own 0% financing option for a big-ticket purchase. Just be absolutely sure you can repay the card before the interest rate kicks in, which hit you with painful interest charges, if you’re still carrying a hefty balance.

The Wrap Up

Only one in five consumers has excellent credit. If you’re one of them, you have access to a financial realm not every consumer can reach.

So, use your high credit score to your advantage. Take this opportunity to find the best credit cards for excellent credit.

And we want to know: How have you used your excellent credit to your benefit?

Let us know in the comments below!

Editorial Disclosure: Opinions expressed here are author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

UGC Disclosure: The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved, or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

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