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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.

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Discover it®

Intro APR
0%
14 months
Regular APR
10.99% - 22.99% Variable*
Balance Transfer
0%
14 months
Average Savings
$411.40
Over 1 year Apply Now View Savings Info

Discover it® Highlights

  • Fair. No annual fee. No overlimit fee. No foreign transaction fee. Pay up to midnight ET online or by phone on your due date without a fee. Plus, paying late won't raise your APR.*
  • Generous. 5% cash back at Home Improvement Stores, Furniture Stores and Bed Bath & Beyond® on up to $1,500 in purchases from April through June 2014.*
  • Human. 100% U.S.-based customer service available any time.
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4.9
Expert Rating

Your Average Savings

Year One Year Two Year Three Total
Interest Savings on Balance Transfers ? $100.00 $54.39 $45.05 $199.44
* 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 ? $240.00 $130.10 $108.12 $478.22
* 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. We assume cardholders spend 35% of their total purchase balance on these 5% cash back options. We then assume that consumers earn 1% cash back on the remaining 65% of their monthly purchase balance.
Balance Transfer Cost ? -$15.00 -$0.00 -$0.00 -$15.00
* 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 $411.40 $270.89 $239.57 $921.86
* Credit card savings displayed are based on estimates as calculated by Creditnet.com, are not endorsed by any credit card issuer, and are for comparison purposes only. Savings vary based upon individual factors such as spending & payment habits and how long you expect to maintain the card.

Discover it® - 18 Month Balance Transfer

Intro APR
0%
6 months
Regular APR
10.99% - 22.99% Variable*
Balance Transfer
0%
18 months
Average Savings
$345.46
Over 1 year Apply Now View Savings Info
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4.85
Expert Rating

Your Average Savings

Year One Year Two Year Three Total
Interest Savings on Balance Transfers ? $100.00 $72.53 $45.05 $217.58
* 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 ? $174.06 $108.12 $108.12 $390.30
* 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 ? -$15.00 -$0.00 -$0.00 -$15.00
* 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 $345.46 $267.05 $239.57 $852.08
* Credit card savings displayed are based on estimates as calculated by Creditnet.com, are not endorsed by any credit card issuer, and are for comparison purposes only. Savings vary based upon individual factors such as spending & payment habits and how long you expect to maintain the card.

Barclaycard Arrival™ World MasterCard® - Earn 2x on All Purchases

Intro APR
0%
12 Months
Regular APR
14.99% or 18.99%* Variable
Balance Transfer
0%
12 months
Average Savings
$417.20
Over 1 year Apply Now View Savings Info
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4.65
Expert Rating

Your Average Savings

Year One Year Two Year Three Total
Interest Savings on Balance Transfers ? $100.00 $25.05 $25.05 $150.10
* 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 ? $240.00 $60.12 $60.12 $360.24
* 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 ? $97.20 $97.20 $97.20 $291.60
This card offers cardholders double miles on all purchases, estimated at $.02 per dollar spent.
One Time Bonus ? $0.00 $0.00 $0.00 $0.00
This card rewards cardholders that spend $1,000 in the first 90 days with a one-time bonus of 40,000 bonus miles, equal to $400 in travel according to Barclaycard.
Balance Transfer Cost ? -$20.00 -$0.00 -$0.00 -$20.00
* 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 -$89.00 -$89.00 -$178.00
* 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 $417.20 $93.37 $93.37 $603.94
* Credit card savings displayed are based on estimates as calculated by Creditnet.com, are not endorsed by any credit card issuer, and are for comparison purposes only. Savings vary based upon individual factors such as spending & payment habits and how long you expect to maintain the card.

Bryan C., a Creditnet consumer, told us he chooses cash back because each year he surprises his wife, who is in charge of paying their credit card bills, with a gift purchased solely using cash back from their credit cards. The bigger the cash reward, the better the gift!

Barclaycard Arrival™ World MasterCard® - Earn 1x on All Purchases

Intro APR
0%
12 Months
Regular APR
14.99% or 18.99% Variable
Balance Transfer
0%
12 Months
Average Savings
$373.60
Over 1 year Apply Now View Savings Info
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4.4
Expert Rating

Your Average Savings

Year One Year Two Year Three Total
Interest Savings on Balance Transfers ? $100.00 $25.05 $25.05 $150.10
* 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 ? $240.00 $60.12 $60.12 $360.24
* 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 2x miles on dining and travel purchases (estimated at $.02 per dollar spent). Creditnet assumes 35% of purchases made with this card are on these premium purchases, with the remaining 65% of purchases receiving the standard 1 mile per dollar ($.01).
One Time Bonus ? $0.00 $0.00 $0.00 $0.00
This card rewards cardholders that spend $1,000 in the first 90 days with a one-time bonus of 20,000 bonus miles, equal to $200 in travel according to Barclaycard.
Balance Transfer Cost ? -$15.00 -$0.00 -$0.00 -$15.00
* 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 $373.60 $133.77 $133.77 $641.14
* Credit card savings displayed are based on estimates as calculated by Creditnet.com, are not endorsed by any credit card issuer, and are for comparison purposes only. Savings vary based upon individual factors such as spending & payment habits and how long you expect to maintain the card.

Barclaycard® Ring MasterCard® - 1% Back on Balance Transfers

Intro APR
N/A
Regular APR
8%
Balance Transfer
8%
Ongoing
Average Savings
$204.00
Over 1 year Apply Now View Savings Info
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4.75
Expert Rating

Your Average Savings

Year One Year Two Year Three Total
Interest Savings on Balance Transfers ? $60.00 $60.00 $60.00 $180.00
* 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 ? $144.00 $144.00 $144.00 $432.00
* 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.
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 -$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 $204.00 $204.00 $204.00 $612.00
* Credit card savings displayed are based on estimates as calculated by Creditnet.com, are not endorsed by any credit card issuer, and are for comparison purposes only. Savings vary based upon individual factors such as spending & payment habits and how long you expect to maintain the card.

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.