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Best Visa Credit Cards for Excellent Credit
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VISA CREDIT CARDS FOR EXCELLENT CREDIT
General Consumer
Excellent Credit
Excellent Credit
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Wells Fargo Reflect® Card Wells Fargo Reflect® Card
Purchase Intro APR
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0% up to 21 months from account opening
Transfer Intro APR
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0% up to 21 months from account opening on qualifying balance transfersTransfer Fee: 3% intro for 120 days, then up to 5% (min $5)
Regular APR
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15.99% - 27.99% Variable
WalletHub's Take: The Wells Fargo Reflect® Card is a good credit card that’s worth it for people with good credit who want to avoid interest charges on new purchases and qualifying balance transfers for 18-21 months after opening an account. Wells Fargo Reflect has a $0 annual fee, and it offers 0% intro APRs for 18 months from account opening, but you can add three extra months by making on-time minimum payments during the intro period.
Read our editor's full Wells Fargo Reflect review.
Pros
- No membership fees
- 0% intro APR on purchases
- 0% intro APR on qualifying balance transfers
- Reports to the three major credit bureaus
Cons
- No rewards
- No initial rewards bonus
- Balance transfer fee
- Foreign fee
Wells Fargo Active Cash® Card Wells Fargo Active Cash® Card
Purchase Intro APR
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0% for 15 months from account opening
Transfer Intro APR
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0% for 15 months from account opening on qualifying balance transfersTransfer Fee: 3% intro for 120 days, then up to 5% (min $5)
Regular APR
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17.99% - 27.99% Variable
WalletHub's Take: The Wells Fargo Active Cash® Card is a good credit card for people with a credit score of 700 or higher who want to earn above-average rewards without any hassle and without paying an annual fee. Wells Fargo Active Cash also is worthwhile for people interested in 0% introductory APRs and getting up to $600 in cell phone protection.
Read our editor's full Wells Fargo Active Cash review.
Pros
- $200 cash rewards bonus
- $0 annual fee
- 2% cash rewards on purchases
- 0% introductory APR
Cons
- High regular APR
- Foreign transaction fee
- Balance transfer fee
Bank of America® Travel Rewards credit card Bank of America® Travel Rewards credit card
Purchase Intro APR
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See Terms for 18 billing cycles
Transfer Intro APR
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See Terms for 18 billing cycles for any balance transfers made in the first 60 daysTransfer Fee: 3% (min $10)
Regular APR
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See Terms
Annual Fee
$0
Rewards Rate
1.5 points / $1
Minimum Credit
Excellent
WalletHub's Take: The Bank of America® Travel Rewards credit card is a good option for people with a 750+ credit score who want to earn bonus travel rewards while still enjoying a $0 annual fee. The Bank of America Travel Rewards card is worth it in part because it gives 25,000 points to online applicants who spend $1,000 in the first 90 days. It also rewards all users with at least 1.5 points / $1 spent on all purchases, and it has a 0% foreign transaction fee.
Read our editor's full Bank of America Travel Rewards credit card review.
Pros
- 25,000 points initial bonus ($250 in travel)
- 1.5 points / $1 spent
- No annual fee or foreign transaction fees
- User-friendly travel rewards redemption
Cons
- Very high regular APR
- Requires excellent credit
U.S. Bank Altitude® Connect Visa Signature® Card U.S. Bank Altitude® Connect Visa Signature® Card
Purchase Intro APR
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Not Offered
Transfer Intro APR
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Not Offered
Regular APR
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18.99% - 26.99% (V)
Annual Fee
$0 intro 1st yr, $95 after
Rewards Rate
1 - 5 points / $1
Minimum Credit
Excellent
WalletHub's Take: The U.S. Bank Altitude® Connect Visa Signature® Card is a good credit card for people with excellent credit, offering rewards that are easily worth the card’s annual fee of $95 ($0 the first year). U.S. Bank Altitude Connect offers an initial bonus of 50,000 points for spending $2,000 in the first 120 days, plus ongoing rewards of 1 - 5 points per $1 on purchases. The card’s ongoing bonus rewards categories include travel, gas, groceries, dining, and streaming services. Cardholders have opportunities to earn valuable account credits, too.
Read our editor's full U.S. Bank Altitude Connect review.
Pros
- High rewards rate
- 50,000 points initial rewards bonus
- No membership fees first year
- No foreign fee
Cons
- Membership fees in the second year
- No intro APR on purchases
- No intro APR on balance transfers
- Requires excellent credit
Chase Slate Edge℠ Chase Slate Edge℠
Purchase Intro APR
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0% for 18 months
Transfer Intro APR
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0% for 18 monthsTransfer Fee: Either $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days (5%, min $5 after)
Regular APR
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17.24% - 25.99% (V)
WalletHub's Take: The Chase Slate Edge℠ card is a pretty good credit card for people with a 700+ credit score who want 0% introductory APRs as well as a regular APR that can get cheaper with good behavior over time. Plus, Slate Edge is easily worthwhile, given its $0 annual fee. On the other hand, Slate Edge is not the best choice for people who want to earn rewards. The card does not offer any rewards on purchases.
Read our editor's full Slate Edge review.
Pros
- 0% for 18 months on purchases and balance transfers
- $0 annual fee
Cons
- High regular APR likely
- Balance transfer fee
Bank of America® Unlimited Cash Rewards credit card Bank of America® Unlimited Cash Rewards credit card
Purchase Intro APR
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See Terms for 18 billing cycles
Transfer Intro APR
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See Terms for 18 billing cycles for any balance transfers made in the first 60 daysTransfer Fee: 3% (min $10)
Regular APR
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See Terms
Annual Fee
$0
Rewards Rate
1.5% Cash Back
Minimum Credit
Excellent
WalletHub's Take: The Bank of America® Unlimited Cash Rewards credit card is a good credit card for people with a credit score of 750 or higher who want to earn at least 1.5% cash back on all purchases and enjoy a $0 annual fee. The card also offers an initial bonus of $200 for spending $1,000 within 90 days of opening an account.
Read our editor's full Bank of America Unlimited Cash Rewards credit card review.
Pros
- $200 initial bonus (online exclusive)
- 1.5% cash back on all purchases
- No annual fee
- Low intro APRs
Cons
- Potential for a very high regular APR
- 3% foreign transaction fee
Chase Freedom Unlimited® Chase Freedom Unlimited®
Purchase Intro APR
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0% for 15 months
Transfer Intro APR
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0% for 15 monthsTransfer Fee: Either $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days (5%, min $5 after)
Regular APR
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17.24% - 25.99% (V)
Annual Fee
$0
Rewards Rate
1.5 - 5% Cash Back
Minimum Credit
Good
WalletHub's Take: Chase Freedom Unlimited is a very good cash back credit card, worth an application for anyone with a good credit score or better. The Freedom Unlimited card has a $0 annual fee and offers 1.5 - 5% cash back on purchases, plus an an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back. There’s even no interest for a time.
Read our editor's full Chase Freedom Unlimited review.
Pros
- Earn rate: 1.5 - 5% cash back
- 0% for 15 months on purchases and balance transfers
- $0 annual fee
Cons
- Balance transfer fee
- Foreign transaction fee
- Potential for a high regular APR
Capital One Venture Rewards Credit Card Capital One Venture Rewards Credit Card
Purchase Intro APR
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Not Offered
Transfer Intro APR
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Not Offered
Regular APR
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18.99% - 26.99% (V)
Annual Fee
$95
Rewards Rate
2 - 5 miles / $1
Minimum Credit
Good
WalletHub's Take: The Capital One Venture Card is a very good travel rewards credit card for people with 700+ credit scores who don't want to be tied down to a single travel provider. With an initial bonus worth $750 in travel, double miles on all purchases and a reasonable annual fee, it’s clear why the Venture Card is so popular.
Read our editor's full Capital One Venture review.
Pros
- 75,000 miles initial bonus
- Unlimited 2 miles per $1 on every purchase
- Redeem for any-travel related expense
- $0 foreign transaction fee
Cons
- Terrible cash back redemption rate
- Monthly earnings are lost when bill payments are late
- Not built for financing
Bank of America® Customized Cash Rewards credit card Bank of America® Customized Cash Rewards credit card
Purchase Intro APR
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See Terms for 18 billing cycles
Transfer Intro APR
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See Terms for 18 billing cycles for any balance transfers made in the first 60 daysTransfer Fee: 3% (min $10)
Regular APR
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See Terms
Annual Fee
$0
Rewards Rate
1 - 3% Cash Back
Minimum Credit
Excellent
WalletHub's Take: The Bank of America® Customized Cash Rewards credit card is a good credit card for people with excellent credit who want to earn 2% - 3% cash back on up to $2,500 spent per quarter in select categories (1% otherwise). Plus, the Bank of America Customized Cash Rewards credit card is easily worthwhile given its $0 annual fee and initial bonus. New cardholders get $200 for spending $1,000 in the first 90 days.
Read our editor's full Bank of America Customized Cash Rewards credit card review.
Pros
- $200 initial bonus (online exclusive)
- Up to 3% cash back
- No annual fee
Cons
- Potential for a very high regular APR
- 3% foreign-transaction fee
Petal® 2 Visa® Credit Card Petal® 2 Visa® Credit Card
Purchase Intro APR
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Not Offered
Transfer Intro APR
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Not Offered
Regular APR
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15.24% - 29.24% (V)
Annual Fee
$0
Rewards Rate
1 - 1.5% Cash Back
Minimum Credit
Limited History
WalletHub's Take: The Petal® 2 Visa® Credit Card is a very good starter credit card for people with limited or no credit. The Petal 2 Visa Card is worth considering because it has $0 fees, rewards equal to 1 - 1.5% cash back on all eligible purchases, and monthly credit-bureau reporting.
Read our editor's full Petal 2 Card review.
Pros
- No membership fees
- No foreign fee
- Qualify with limited or no credit history
- Does not require security deposit
Cons
- No rewards bonus
- No balance transfers allowed
NO FOREIGN FEE
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Questions & Answers
Comparing visa credit cards for excellent credit can be tough. But you’ve got the knowledgeable WalletHub community on your side. We encourage everyone to share their knowledge while respecting our content guidelines. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not the financial institution’s responsibility to ensure all posts and questions are answered.show more
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We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. Actual terms may vary. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
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