How good is your credit?

Best Credit Cards for Excellent Credit
WalletHub makes it easy to find the best credit card for excellent credit.
The best credit cards for excellent credit (750-850 credit score) can have initial rewards bonuses of $500+, excellent ongoing rewards, 0% APRs for 15+ months, and annual fees as low as $0. Given that they … show more… show more Â
Â
Best Credit Cards for Excellent Credit [May 2022]
FILTER CARDS
We're sorry, but after searching our extensive database, we were unable to locate any credit cards that match the following criteria: {{tag.tag}}{{$last ? '' : ', '}}
Capital One Quicksilver Cash Rewards Credit Card Capital One Quicksilver Cash Rewards Credit Card

- One-time $200 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
- $200 initial bonus
- 1.5% cash back on all purchases
- No annual fee
- 0% intro APR on purchases and balance transfers
- Potential for a very high interest rate
- Balance transfer fee
- Requires good/excellent credit
- 0% intro APR on purchases and balance transfers for 15 months; 15.24%-25.24% variable APR after that
- $0 annual fee and no foreign transaction fees
- See More Details & Reviews About TheCapital One Quicksilver Cash Rewards Credit Card
Bank of America® Customized Cash Rewards credit card Bank of America® Customized Cash Rewards credit card

- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.
- If you're a Preferred Rewards member, you can earn 25% - 75% more cash back on every purchase. That means you could earn up to 5.25% cash back on purchases in your choice category.
- No annual fee and no expiration on rewards.
- $200 initial bonus (online exclusive)
- Up to 3% cash back
- No annual fee
- Potential for a very high regular APR
- 3% foreign-transaction fee
- 0% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 14.24% - 24.24% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
- See More Details & Reviews About TheBank of America® Customized Cash Rewards credit card
Synchrony Premier World Mastercard® Synchrony Premier World Mastercard®

- 2% cash back* on every purchase--no categories, tiers, or limits--no kidding.
- No membership fees
- High rewards rate
- Reports to the three major credit bureaus
- No rewards bonus
- No intro APR on purchases
- No intro APR on balance transfers
- Foreign fee
- No annual fee*
- $0 fraud liability
- Secure online and mobile app account access
- Use your Synchrony Premier card on everything from gas and groceries to your next splurge with the confidence that comes from getting great rewards without complex math or shifting reward limits.
- Plus, you'll also gain access to additional key benefits like identity theft protection, money-saving discounts, and concierge travel planning support.
- See More Details & Reviews About TheSynchrony Premier World Mastercard®
Bank of America® Unlimited Cash Rewards credit card Bank of America® Unlimited Cash Rewards credit card

- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- Earn unlimited 1.5% cash back on all purchases.
- If you're a Preferred Rewards member, you can earn 25%-75% more cash back on every purchase. That means you could earn up to 2.62% cash back on every purchase.
- No limit to the amount of cash back you can earn and cash rewards don’t expire.
- $200 initial bonus (online exclusive)
- 1.5% cash back on all purchases
- No annual fee
- Low intro APRs
- Potential for a very high regular APR
- 3% foreign transaction fee
- 0% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 14.24% - 24.24% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers.
- No annual fee.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
- See More Details & Reviews About TheBank of America® Unlimited Cash Rewards credit card
U.S. Bank Visa® Platinum Card U.S. Bank Visa® Platinum Card
- No membership fees
- 0% intro APR on purchases
- 0% intro APR on balance transfers
- Reports to the three major credit bureaus
- No rewards
- No rewards bonus
- Balance transfer fee
- Foreign fee
- Limited Time Offer!
- 0% Intro APR on purchases and balance transfers for 20 billing cycles. After that, a variable APR currently 15.24% - 25.24%.
- Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your U.S.Bank Visa® Platinum Credit Card. Certain terms, conditions, and exclusions apply.
- Choose a payment due date that fits your schedule
- No Annual Fee
- Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPayâ„¢ Plan.
- Terms and conditions apply.
- See More Details & Reviews About TheU.S. Bank Visa® Platinum Card
Blue Cash Everyday® Card from American Express Blue Cash Everyday® Card from American Express

- Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
- 3% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
- 2% Cash Back at U.S. gas stations.
- 1% Cash Back on other purchases.
- Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits.
- Terms Apply.
- $0 annual fee
- $200 statement credit initial bonus offer
- Up to 3% cash back
- Spending caps on rewards
- No balance transfers allowed
- Foreign fee
- Requires good/excellent credit
- Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 plan fees on plans created during the first 15 months after account opening. Plans created after that will have a monthly plan fee up to 1.33% of each purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
- Low intro APR: 0% for 15 months on purchases from the date of account opening, then a variable rate, 14.74% to 24.74%.
- No annual fee.
- See More Details & Reviews About TheBlue Cash Everyday® Card from American Express
BankAmericard® credit card BankAmericard® credit card

- $100 statement credit online bonus after making at least $1,000 in purchases in the first 90 days of account opening.
- Low balance transfer intro APR for 18 billing cycles
- Low purchase intro APR for 18 billing cycles
- No annual fee
- $100 initial rewards bonus
- Balance transfer fee of 3% (min $10)
- Very high regular APR
- Excellent credit required
- 0% Introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 13.24% - 23.24% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers.
- No annual fee.
- No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply.
- Access your FICO® Score for free within Online Banking or your Mobile Banking app.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
- See More Details & Reviews About TheBankAmericard® credit card
Chase Slate Edgeâ„ Chase Slate Edgeâ„

- 0% for 18 months on purchases and balance transfers
- $0 annual fee
- High regular APR likely
- Balance transfer fee
- Start off strong with 0% Intro APR for 18 months from account opening on purchases and balance transfers. A variable APR of 15.24% - 23.99% on balance transfers and purchases after the introductory period ends.
- Lower your interest rate by 2% each year. Automatically be considered for an APR reduction when you pay on time, and spend at least $1000 on your card by your next account anniversary.
- Raise your credit limit. Get an automatic, one-time review for a higher credit limit when you pay on time, and spend $500 in your first six months.
- All for no annual fee - You won't have to pay an annual fee for all the great features that come with your Slate Edgeâ„ card
- Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more
- See More Details & Reviews About TheChase Slate Edgeâ„
Capital One SavorOne Cash Rewards Credit Card Capital One SavorOne Cash Rewards Credit Card

- Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
- Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases
- Earn 8% cash back on Capital One Entertainment purchases and tickets at Vivid Seats
- 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
- $200 Initial Bonus
- High rewards rate
- $0 Annual Fee
- 0% intro APR on purchases and balance transfers
- High Regular APR
- Balance transfer fee
- Requires good/excellent credit
- 0% intro APR on purchases and balance transfers for 15 months; 15.24% - 25.24% variable APR after that
- No foreign transaction fee
- No annual fee
- See More Details & Reviews About TheCapital One SavorOne Cash Rewards Credit Card
Wells Fargo Reflectâ„ Card Wells Fargo Reflectâ„ Card
- No membership fees
- 0% intro APR on purchases
- 0% intro APR on qualifying balance transfers
- Reports to the three major credit bureaus
- No rewards
- No rewards bonus
- Balance transfer fee
- Foreign fee
- 0% intro APR for 18 months from account opening on purchases and qualifying balance transfers. Intro APR extension of up to 3 months with on-time minimum payments during the intro and extension periods. 13.74% to 25.74% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min $5
- $0 Annual Fee
- Get up to $600 of cell phone protection when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible).
- Through My Wells Fargo Deals, you can earn cash back in the form of a statement credit while you shop, dine, or enjoy an experience simply by using your eligible Wells Fargo Credit Card
- Select "Apply Now" to learn more about the product features, terms and conditions
- See More Details & Reviews About TheWells Fargo Reflectâ„ Card
Best Credit Cards for Excellent Credit in 2022

Capital One Venture Rewards Credit Card
The best credit card for excellent credit is the Capital One Venture Rewards Credit Card. It gives a big travel rewards bonus that covers the cost of the Venture card’s annual fee ($95) for several years. So the 2 - 5 miles per $1 spent that the card yields on purchases will be pure savings.
Chase Sapphire Preferred® Card
The best credit card for excellent credit for people who want a big initial bonus and a high credit limit is the Chase Sapphire Preferred® Card. Sapphire Preferred starts new cardholders with a spending limit of at least $5,000 and gives a bonus of 80,000 points for spending $4,000 within 3 months of opening an account. That bonus is worth $1,000 in travel booked through Chase Ultimate Rewards, which pretty much pays for more than 10 years of the card’s $95 annual fee. Plus, cardholders earn 1 - 5 points per $1 in rewards on purchases.
Wells Fargo Active Cash® Card
The best everyday rewards credit card for people who want hassle-free cash back earnings is Wells Fargo Active Cash. It gives 2% cash rewards on purchases, which is roughly twice what the average cash back credit card gives. Wells Fargo Active Cash also offers an initial bonus of $200 cash rewards after spending $1,000 in the first 3 months. It has a $0 annual fee, too
U.S. Bank Visa® Platinum Card
One of the best 0% APR credit cards for people with excellent credit is the U.S. Bank Visa® Platinum Card. It offers an introductory APR of 0% for 20 billing cycles on new purchases and balance transfers - 15.24% - 25.24% (V) APR after. The card’s balance transfer fee is 3% (min $5). But it has a $0 annual fee.
Ink Business Preferred® Credit Card
One of the best rewards credit cards for business owners with excellent personal credit is Chase Ink Business Preferred, largely because of its huge initial bonus. New cardholders who spend $15,000 in the first 3 months earn 100,000 points – redeemable for up to $1,250 in travel through Chase Ultimate Rewards. The Ink Business Preferred Card also rewards cardholders with up to 3 points per $1 spent on purchases normally. It has a $95 annual fee.
At the end of the day, credit cards for excellent credit tend to be the best cards on the market. But it’s still important to compare your options before applying if you really want to find an excellent credit card deal – at least the right one for your needs. WalletHub’s editors compared 1,000+ offers to find the very best credit cards for people with excellent credit scores. You can see a recap of their top picks in the most popular categories below.
Best Credit Cards for Excellent Credit Comparison
Credit Card | Best For | Editor's Rating |
Capital One Venture Rewards Credit Card | Overall | 5/5 |
Chase Sapphire Preferred® Card | High Limit | 5/5 |
Wells Fargo Active Cash® Card | Everyday Cash Back | 4.7/5 |
U.S. Bank Visa® Platinum Card | 0% Intro APRs | 4.8/5 |
Ink Business Preferred® Credit Card | Business Rewards | 5/5 |
It’s important to note that you don’t have to pick just one of the best credit cards for excellent credit. You could try the Island Approach, by getting a card for each of your biggest needs. For example, you could apply for a rewards credit card to use for everyday expenses and later get a 0% credit card to avoid interest on big purchases or balance transfers. It's a great way to save because you can assemble the best rewards and the best rates rather than settling for average terms on a single card. Just don’t apply for multiple cards at once.
That’s not our only tip, either. If you’d rather come to your own conclusions about which excellent-credit credit card best meets your needs, take these pointers to heart. It will lead to the best results.
How to Find the Best Credit Card for Excellent Credit – 5 Tips
- Cut your options in half. Do you want rewards or financing? It’s as simple as choosing between paper and plastic at the grocery store, and this decision will split the universe of credit cards for excellent credit into an even smaller segment. It all comes down to whether you plan to pay your bill in full each month. If you do, go with rewards. If you don’t, focus on 0% cards.
From there, you can reduce your list of viable options even further by choosing between cash back and travel rewards or 0% purchases and 0% balance transfers.
- Be realistic about your travel habits. A lot of people want travel rewards credit cards but don’t really need them. If you’re in the market for rewards, as opposed to 0% rates, you need to consider what type of card will allow you to earn the most value and redeem often enough to actually enjoy the fruits of your labor. So leave the travel cards to frequent travelers, not the folks who take a trip or two per year.
- Use the Island Approach. No credit card is perfect, offering the best possible terms in every category, from fees to rewards to interest rates. So don’t go looking for a single card to meet all of your needs. Instead, consider using a few different cards, each of which is designated for a specific type of transactions. For example, one card could be for gas rewards, another for everyday cash back and another still for paying down a big-ticket purchase over time. That’s called the Island Approach.
- Don’t be scared of annual fees. Paying an annual fee isn’t necessarily a bad thing when you have excellent credit. If doing so enables you to get far better terms than are available from no annual fee credit cards and thus save more money overall, then it’s money well spent. You just have to factor such fixed costs into your calculations.
- Understand excellent credit won’t always cut it. Excellent credit doesn’t guarantee you approval for an excellent-credit credit card. A number of other factors are in play, too, including your income and existing debt obligations. So if you want to maximize your chances of getting your top credit-card choice, focus on improving your complete financial picture.
Finally, if you’d prefer not to do the legwork, you can simply sign up for a free WalletHub account to get customized card recommendations as well as free credit scores, reports and 24/7 monitoring.
Methodology for Picking the Best Credit Cards for Excellent Credit
To find the best credit cards for people with excellent credit, WalletHub’s editors regularly compare more than 1,500 credit card offers in search of the most elite options in the most popular usage categories. We consider a range of card terms, from rewards and fees to interest rates and special promotions, and crunch the numbers to find the cards best positioned to maximize cardholder savings.
About the author
John Kiernan has covered the credit card industry for more than 10 years as a writer and editor for WalletHub. His work has been featured by major media outlets such as The Washington Post and The New York Times and has been cited by industry regulators such as the Consumer Financial Protection Bureau. Read Full Author Bio
Credit Cards for Excellent Credit FAQ
Comparing 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
show less
Searching for answers... No Matching Results
What are the best credit cards for excellent credit with no annual fee? Reply
Featured Credit Cards
Ask the Experts
To help people make the best credit card decisions for their excellent credit scores, WalletHub posed the following questions to a panel of experts. You can see who they are and how they answered below.
- Do all credit card companies define "excellent" credit the same way?
- Do you think excellent-credit credit cards will become more or less attractive over the next 12 months?
- How should people with excellent credit decide between all of the offers available to them?
- Why do many credit cards for people with excellent credit charge annual fees? Does it ever make sense to pay for plastic when you have excellent credit?
- Why do some credit cards for people with excellent credit have APRs that could be higher than the average for cards requiring good, or even fair, credit?
Ph.D, AFC®, Assistant Professor - Family Financial Planning, Human Development and Family Science, Oklahoma State University
Read More
Teaching Assistant, University of California, Santa Barbara - College of Letters & Science, Department of Economics
Read More
DBA, Visiting Professor of Accounting, Linfield University, School of Business
Read More
Ph.D., AFA®, Adjunct Finance Faculty, Metropolitan College of New York
Read More
Senior Clinical Lecturer, Director of The Center for Financial Market Studies, LaPenta School of Business, Iona College
Read More
Professor, Drexel University's LeBow College of Business
Read More
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.
† Approval Odds are WalletHub estimates intended to gauge your likelihood of approval for a particular product. Approval Odds are based on WalletHub data and are not provided or endorsed by the lender. Approval Odds are not meant to imply or guarantee that you will be approved by the lender or that credit will be extended. WalletHub may share your information with third-parties in order to show personalized offers, as well as enable you to interact more easily with pre-fill forms or applications. You can opt-out of sharing your personal info here.
Ad Disclosure Certain offers that appear on this site originate from paying advertisers, and this will be noted on an offer’s details page using the designation "Sponsored", where applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.
Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by any issuer.
Your web browser (Internet Explorer) is out of date and no longer supported.
Please download one of these up-to-date, free and excellent browsers: