Credit Cards for Excellent Credit
Congratulations to you for achieving excellent credit!
Credit cards for excellent credit are your reward for responsibly handling your credit. Now you can sit back and enjoy the benefits from all those years of responsibly handling your credit. Of course, individuals with the best credit scores will qualify for the most desirable credit cards in the marketplace, which include benefits such as excellent interest rates, low or no fees, big sign-up bonuses and the most rewarding programs.
Our recommended credit cards for people with excellent include great spending incentives, too. This makes sense since cardholders are competing for your excellent profile. However, it can lead to some seriously sweet perks like extended intro periods, easy cash back bonuses in your first months as a cardholder and in some cases low (or no) balance transfer fees.
If you have excellent credit, do yourself a favor and upgrade your wallet by adding one of our five recommended cards below. These are simply the best credit cards available on the market today, and put excellent credit consumers in a tier all their own when it comes to credit perks and rewards. Skip the filler and get straight to the best excellent credit offers available below.
Find the best credit card for you.
Capital One® Cash Rewards - $100 Cash Back Bonus
| Year One | Year Two | Year Three | Total | |
Interest Savings on Balance Transfers  |
$900.00 | $319.50 | $319.50 | $1,539.00 |
| * For Interest Savings on Balance Transfers calculations, we use the amount you input in your "My Credit Card Profile". For calculation purposes, please note that as of February 2010, the CARD Act requires credit card companies to use customer credit card payments to pay off the highest APR portion of their balance first, which is more favorable for the customer. | ||||
| Interest Savings on Balance for New Purchases |
$1,200.00 | $426.00 | $426.00 | $2,052.00 |
| * For Interest Savings on Balance Carried on New Purchases calculations, we use the amount you input in your "My Credit Card Profile". Please note that as of February 2010, the CARD Act requires credit card companies to use customer credit card payments to pay off the highest APR portion of their balance first, which is more favorable for the customer. | ||||
| Reward Points |
$35.10 | $35.10 | $35.10 | $105.30 |
| This card offers 1% cash back on all purchases, plus a 50% cash back bonus on the cash back you earn every year, equating a total of 1.5% cash back on all purchases made throughout the year ($.015). | ||||
| One Time Bonus |
$100.00 | $0.00 | $0.00 | $100.00 |
| Cardholders whose monthly purchases within the first three months of account opening total $500 or more will receive a $100 cash back bonus. This one-time bonus will only display in your savings calculations if the monthly purchases entered into your "My Credit Card Profile" meet this qualification. | ||||
| Balance Transfer Cost |
-$135.00 | -$0.00 | -$0.00 | -$135.00 |
| * For Balance Transfer Cost calculations, we take the specific balance transfer fee associated with a card to determine the cost. Once this balance transfer cost is calculated, we deduct this value from the total savings amount. Please note that we only factor in this cost if a user intends to transfer a balance, as determined by selecting "Yes" under "I want to carry a balance" in your "My Credit Card Profile". | ||||
| Annual Fee |
-$0.00 | -$0.00 | -$0.00 | -$0.00 |
| * Annual fee costs are only deducted from your total savings when a card includes an annual fee. Credit cards that waive the annual fee for the first year have also been accounted for in our calculations. | ||||
| Totals | $2,100.10 | $780.60 | $780.60 | $3,661.30 |
Discover it®
| Year One | Year Two | Year Three | Total | |
| Interest Savings on Balance Transfers |
$900.00 | $489.52 | $405.45 | $1,794.97 |
| * For Interest Savings on Balance Transfers calculations, we use the amount you input in your "My Credit Card Profile". For calculation purposes, please note that as of February 2010, the CARD Act requires credit card companies to use customer credit card payments to pay off the highest APR portion of their balance first, which is more favorable for the customer. | ||||
| Interest Savings on Balance for New Purchases |
$1,200.00 | $650.50 | $540.60 | $2,391.10 |
| * For Interest Savings on Balance Carried on New Purchases calculations, we use the amount you input in your "My Credit Card Profile". Please note that as of February 2010, the CARD Act requires credit card companies to use customer credit card payments to pay off the highest APR portion of their balance first, which is more favorable for the customer. | ||||
| Reward Points |
$86.40 | $86.40 | $86.40 | $259.20 |
| This card offers 5% cash back ($.05) on up to $1,500 spent in rotating categories that change each quarter. Creditnet assumes cardholders spend 35% of their total purchase balance on these 5% cash back options. Creditnet then assumes that consumers earn 1% cash back on the remaining 65% of their monthly purchase balance. | ||||
| Balance Transfer Cost |
-$135.00 | -$0.00 | -$0.00 | -$135.00 |
| * For Balance Transfer Cost calculations, we take the specific balance transfer fee associated with a card to determine the cost. Once this balance transfer cost is calculated, we deduct this value from the total savings amount. Please note that we only factor in this cost if a user intends to transfer a balance, as determined by selecting "Yes" under "I want to carry a balance" in your "My Credit Card Profile". | ||||
| Annual Fee |
-$0.00 | -$0.00 | -$0.00 | -$0.00 |
| * Annual fee costs are only deducted from your total savings when a card includes an annual fee. Credit cards that waive the annual fee for the first year have also been accounted for in our calculations. | ||||
| Totals | $2,051.40 | $1,226.42 | $1,032.45 | $4,310.27 |
Capital One® Venture(SM) Rewards Credit Card - 10,000 Bonus Miles
N/A
| Year One | Year Two | Year Three | Total | |
| Interest Savings on Balance Transfers |
$274.50 | $274.50 | $274.50 | $823.50 |
| * For Interest Savings on Balance Transfers calculations, we use the amount you input in your "My Credit Card Profile". For calculation purposes, please note that as of February 2010, the CARD Act requires credit card companies to use customer credit card payments to pay off the highest APR portion of their balance first, which is more favorable for the customer. | ||||
| Interest Savings on Balance for New Purchases |
$366.00 | $366.00 | $366.00 | $1,098.00 |
| * For Interest Savings on Balance Carried on New Purchases calculations, we use the amount you input in your "My Credit Card Profile". Please note that as of February 2010, the CARD Act requires credit card companies to use customer credit card payments to pay off the highest APR portion of their balance first, which is more favorable for the customer. | ||||
| Reward Points |
$46.80 | $46.80 | $46.80 | $140.40 |
| This card offers two miles per dollar on every purchase, which Creditnet estimates at $.02 per dollar. This conversion has been applied to your rewards points savings. | ||||
| One Time Bonus |
$0.00 | $0.00 | $0.00 | $0.00 |
| Cardholders that spend $1,000 on purchases within the first 3 months will earn 10,000 bonus miles. According to Capital One, 10,000 bonus miles is the equivalent of $100 in travel. This one-time bonus will only display in your savings calculations if the monthly purchases entered into your "My Credit Card Profile" meet this qualification. | ||||
| Balance Transfer Cost |
-$0.00 | -$0.00 | -$0.00 | -$0.00 |
| * For Balance Transfer Cost calculations, we take the specific balance transfer fee associated with a card to determine the cost. Once this balance transfer cost is calculated, we deduct this value from the total savings amount. Please note that we only factor in this cost if a user intends to transfer a balance, as determined by selecting "Yes" under "I want to carry a balance" in your "My Credit Card Profile". | ||||
| Annual Fee |
-$0.00 | -$59.00 | -$59.00 | -$118.00 |
| * Annual fee costs are only deducted from your total savings when a card includes an annual fee. Credit cards that waive the annual fee for the first year have also been accounted for in our calculations. | ||||
| Totals | $687.30 | $628.30 | $628.30 | $1,943.90 |
Beth J., a Creditnet consumer, told us she chooses miles over cash back because "cash rewards disappear before I even realize I've used my free money! Vacations are so much more enjoyable when I know the flights were free because I used credit card miles to book them!"
Blue Cash Preferred® Card from American Express
| Year One | Year Two | Year Three | Total | |
| Interest Savings on Balance Transfers |
$315.45 | $315.45 | $315.45 | $946.35 |
| * For Interest Savings on Balance Transfers calculations, we use the amount you input in your "My Credit Card Profile". For calculation purposes, please note that as of February 2010, the CARD Act requires credit card companies to use customer credit card payments to pay off the highest APR portion of their balance first, which is more favorable for the customer. | ||||
| Interest Savings on Balance for New Purchases |
$1,200.00 | $420.60 | $420.60 | $2,041.20 |
| * For Interest Savings on Balance Carried on New Purchases calculations, we use the amount you input in your "My Credit Card Profile". Please note that as of February 2010, the CARD Act requires credit card companies to use customer credit card payments to pay off the highest APR portion of their balance first, which is more favorable for the customer. | ||||
| Reward Points |
$80.10 | $80.10 | $80.10 | $240.30 |
| This card offers 6% cash back at U.S. stand-alone supermarkets and 3% cash back on gasoline at stand-alone gas stations. Creditnet took the average of these two premium purchase categories (4.5%, or $.045), and assumes that 35% of the total purchases made on this card are on the advertised premium purchases. Creditnet then assumes that the remaining 65% of purchases receive the standard 1% cash back ($.01). | ||||
| One Time Bonus |
$0.00 | $0.00 | $0.00 | $0.00 |
| Cardholders earn 150 Reward Dollars after $1,000 in purchases in the first three months of card membership. This one-time bonus will only display in your savings calculations if the monthly purchases entered into your "My Credit Card Profile" meet this qualification. | ||||
| Balance Transfer Cost |
-$135.00 | -$0.00 | -$0.00 | -$135.00 |
| * For Balance Transfer Cost calculations, we take the specific balance transfer fee associated with a card to determine the cost. Once this balance transfer cost is calculated, we deduct this value from the total savings amount. Please note that we only factor in this cost if a user intends to transfer a balance, as determined by selecting "Yes" under "I want to carry a balance" in your "My Credit Card Profile". | ||||
| Annual Fee |
-$75.00 | -$75.00 | -$75.00 | -$225.00 |
| * Annual fee costs are only deducted from your total savings when a card includes an annual fee. Credit cards that waive the annual fee for the first year have also been accounted for in our calculations. | ||||
| Totals | $1,385.55 | $741.15 | $741.15 | $2,867.85 |
Barclaycard® Rewards MasterCard® - Excellent Credit - 10,000 Points Offer
| Year One | Year Two | Year Three | Total | |
| Interest Savings on Balance Transfers |
$225.45 | $225.45 | $225.45 | $676.35 |
| * For Interest Savings on Balance Transfers calculations, we use the amount you input in your "My Credit Card Profile". For calculation purposes, please note that as of February 2010, the CARD Act requires credit card companies to use customer credit card payments to pay off the highest APR portion of their balance first, which is more favorable for the customer. | ||||
| Interest Savings on Balance for New Purchases |
$1,200.00 | $300.60 | $300.60 | $1,801.20 |
| * For Interest Savings on Balance Carried on New Purchases calculations, we use the amount you input in your "My Credit Card Profile". Please note that as of February 2010, the CARD Act requires credit card companies to use customer credit card payments to pay off the highest APR portion of their balance first, which is more favorable for the customer. | ||||
| Reward Points |
$48.60 | $48.60 | $48.60 | $145.80 |
| This card rewards gas, grocery and utility purchases with double points (estimated at $.02 per dollar). Creditnet estimates that 35% of all purchases made with this card are on these premium points, with the remaining 65% of purchases receiving the standard 1 point per dollar (estimated at $.01). | ||||
| One Time Bonus |
$100.00 | $0.00 | $0.00 | $100.00 |
| This credit card offers 10,000 bonus points to consumers that make $750 in purchases within their first three months. This is the equivalent of $100, according to Barclaycard. Creditnet only applies this one-time bonus to consumers whose monthly purchases equate to $750 over three months. | ||||
| Balance Transfer Cost |
-$180.00 | -$0.00 | -$0.00 | -$180.00 |
| * For Balance Transfer Cost calculations, we take the specific balance transfer fee associated with a card to determine the cost. Once this balance transfer cost is calculated, we deduct this value from the total savings amount. Please note that we only factor in this cost if a user intends to transfer a balance, as determined by selecting "Yes" under "I want to carry a balance" in your "My Credit Card Profile". | ||||
| Annual Fee |
-$0.00 | -$0.00 | -$0.00 | -$0.00 |
| * Annual fee costs are only deducted from your total savings when a card includes an annual fee. Credit cards that waive the annual fee for the first year have also been accounted for in our calculations. | ||||
| Totals | $1,394.05 | $574.65 | $574.65 | $2,543.35 |
Pages
Excellent Credit Credit Cards
Credit cards for excellent credit consumers allow you to reap the benefits of your (well-earned) credit score. Generally, an excellent credit score is considered to be anything over 800, and can be achieved through responsible purchasing and paying back your balance in full and on time each month. Pretty simple, right?
Now that you’ve earned an excellent credit score, here are some of the rewards you can enjoy:
- Excellent Interest Rates
While many consumers with an excellent credit history don’t generally carry a balance, great credit credit cards include some of the lowest interest rates on the market. Plus, you can take advantage of extended intro periods that can last up to 18 months once you’re approved, and many of our favorite excellent credit cards carry no annual fees.
Intro periods are an exceptional incentive for a lot of reasons. First, many intro periods include 0% interest for a set number of months. Generally, intro periods can last anywhere from 6 to 18 months depending on the excellent credit credit card. During this time, it’s crucial to pay off as much of your balance as possible since you’re paying back your debt DIRECTLY, interest-free. Also included in a number of credit card intro periods are sign-up bonuses.
- Sign Up Bonuses
Credit cards for people with excellent credit offer the most lucrative sign up bonuses and spending incentives of any cards on the market today. Intro periods on excellent credit credit cards will drive spending by offering an enticing number of points after a consumer reaches a spending threshold.
Sometimes these spending thresholds will be considerably large and unrealistic for consumers hoping to shop responsibly. Other times, they’re far easier to reach and should be considered for modest customers with excellent credit. Creditnet recommends comparing intro period incentives with your monthly budget when determining which outstanding credit credit card to apply for. Intro periods can be especially useful for consumers that like to hit the road once in awhile, too. That’s why travel rewards cards for excellent credit are also some of the most popular among consumers...
- Travel Rewards Cards for Excellent Credit
Travel rewards credit cards aren’t just great for business travelers and road warriors - they’re great for all consumers that like to take a vacation here or there. (And doesn’t that describe, well, all of us?) The best travel credit cards for excellent credit accumulate fast and eliminate the dreaded “blackout dates”.
With travel rewards cards for excellent credit consumers, every time you swipe your card you’re making a small contribution towards a dream vacation in the future. If you want to see our complete guide to the best travel rewards cards on the market, visit our list of Airline Miles Credit Cards on Creditnet.
Consider our choices for the best credit cards for excellent credit cards above.
