What is the best credit card overall?

One of the best cash back credit cards for excellent credit is the Blue Cash Preferred® Card from American Express because it offers a $300 statement credit for spending $3,000 in the first 6 months. You also get 6% cash back at U.S. supermarkets (up to $6,000 spent per year), 6% back on select U.S. streaming subscriptions, 3% back at U.S. gas stations and on transit, and 1% back on all other purchases, earned as statement credits.… read full answer

The very best card for you will depend on the types of purchases that you plan to charge to your credit card, along with which secondary features you value most. Some cash back credit cards offer rewards at a flat rate on all purchases, while others give more cash back in certain spending categories. Some also offer initial rewards bonuses, while others have low intro APRs.

Here are some of the best cash back credit cards for excellent credit:

• Best for U.S. supermarkets: Blue Cash Preferred
• Best for no annual fee: Chase Freedom Unlimited®
• Best for double cash back: Citi® Double Cash Card – 18 month BT offer
• Best for flat rate: Alliant Cashback Visa® Signature Credit Card
• Best for dining and entertainment: Capital One® Savor® Cash Rewards Credit Card
• Best for 0% intro APRs: Chase Freedom Flex℠
• Best for flat rewards with no annual fee: American Express Cash Magnet® Card
• Best for an easy bonus: Capital One Quicksilver Cash Rewards Credit Card

The best cash back credit cards for excellent credit are the market’s best overall cash rewards cards. People with excellent credit scores of 750 or higher have the luxury of picking the best offer for their needs from not only the pool of cards that require a minimum of good credit for approval but also those reserved for the highest creditworthiness tier. The better an applicant’s credit score is and the less debt they already owe, the higher their odds of approval will be for one of the top cash back credit cards for excellent credit.

Finally, when using one of these cards, it’s best not to carry a balance between months (unless you have a 0% APR). If you carry a balance, your rewards will be diminished by interest.

The best flat-rate cash back credit card is the Citi Double Cash Card because it is nearly twice as rewarding as the average cash rewards credit card, offering 2% cash back on every purchase (1% when you buy and 1% as you pay for those purchases). The Citi Double Cash Card comes with a $0 annual fee, too. It can even double as a balance transfer credit card, with its intro APR period of 0% for 18 months on balance transfers.… read full answer

Best Flat-Rate Cash Back Credit Cards

All these credit cards offer above-average cash back on every purchase, and none have spending categories that earn more or less rewards than others. Most of the cards require good credit or better for approval, but people with lower scores have options, too.

The best cash back / travel credit card is Capital One Savor because it has no foreign transaction fee and offers 1 - 4% cash back on purchases. The card gives 4% cash back on dining and entertainment, which makes it great for vacations. In addition, there’s 4% cash back on streaming services, 3% cash back on groceries and 1% on all other purchases. Plus, the card offers an initial bonus of $300 for spending $3,000 in the first 3 months, which can provide a nice chunk of money to put toward a trip. Capital One Savor has a $95 annual fee.… read full answer

Capital One Quicksilver is another good cash back credit card for travel. It gives a flat 1.5% cash back on all purchases with a $0 annual fee. It also has an initial bonus of $200 for spending $500 in the first 3 months.

Both the Savor and Quicksilver cards require good credit for approval.