swipe credit card

There are a variety of credit cards that offer either great cash back rewards or a plethora of other catered rewards. Some of the benefits come with opening a new account while many others apply through specific use of a card. Travel reward cards and cash back cards all offer a wide range of ancillary benefits. If you are looking for a new credit card because you want better rewards, want more travel benefits, or want better rewards suited for your established spending habits, these best credit cards for excellent credit are where you should start.



Product FAQ

1. Which Travel Credit Card Provides the Best Benefits?

2. What Does a Cash Back Credit Card Do?

3. How Do Credit Cards Work?

4. Where Can You Buy Them?

5. Which Card Provides the Best Cash Back Rewards?

How We Reviewed the Best Credit Cards for Excellent Credit

We reviewed a variety of credit cards to provide you with the best information so you can make an informed decision. When analyzing pros and cons, features, rewards and interest rates, you can compare and contrast the best credit cards for excellent credit. We weighed annual fees with the best rewards and cash back percentages to make our best credit cards for excellent credit review.

Overall Price Range of This Product
(and Similar Products)

When looking for a credit card, you need to assess any annual fee, the APR interest rate and cash back percentages. When signing up for a credit card, certain companies provide incentives when you open a new account with them. Adding in incentives and rewards to the APR and annual fee cost, can make an influential difference in picking the right credit card for you. Standard credit cards range from $0 annual fee to $95 annual fee. When a credit card does charge an annual fee, it typically provide better benefits.

What We Reviewed 

  • 1
    Capital One® Venture® Rewards Credit Card
  • 2
    Chase Freedom Unlimited
  • 3
    Chase Sapphire Preferred® Card
  • 4
    Discover it® Cash Back
  • 5
    Capital One® Quicksilver® Cash Rewards Credit Card
  • 6
    Capital One® Savor® Cash Rewards Credit Card
  • 7
    TRIO® Credit Card from Fifth Third Bank
  • 8
    Citi® Double Cash Card
  • 9
    Blue Cash Everyday® Card from American Express
  • 10
    HSBC Gold Mastercard

Capital One® Venture® Rewards Credit Card

venture card

FEATURES

The Capital One® Venture® Rewards Credit Card is one of the best credit cards for excellent credit. It provides 2x the miles on every single purchase you make every day. They waive the annual fee for the first year, which means it costs you nothing to earn miles with this card. You can fly anywhere and stay anywhere with no blackout dates. You are also eligible for up to $100 in application fee credit for TSA pre-check and global entry flight services. This card has no transaction fees and your hard earned miles won’t expire as long as you have an active account.

Pros

  • 2x the miles on every purchase made every day
  • 50,000 bonus miles when you spend $3,000 in purchases within the first 3 months
  • No foreign transaction fees
  • Earned miles will not expire as long as you have an active account

Cons

  • 10x miles only on specific hotels
  • Need an established credit score between good and excellent

Interest Rates

Interest rates range from 14.74% APR to 24.74% APR. Interest rates apply to the first year even though the first year annual rate is waived.


Rewards

You can fly on any airline with no blackout dates. You can also use your miles to book any hotel with no blackout dates. By signing up for the Capital One Venture Card, you are eligible for a onetime bonus of 50,000 miles when you spend $3,000 on purchases within the first 3 months.

Chase Freedom Unlimited

chase freedom unlimited

FEATURES

The Chase Freedom Unlimited Credit Card is among some of the best credit cards for excellent credit because of its every day 1.5% cash back on all purchases on top of its $0 annual fee. Using this card on all of your daily purchases, you quickly earn cash back and have no required minimum to take advantage of your earnings. As long as you have your active account, your cash back does not expire. Within the first three months of opening your account, you are eligible to earn a $150 bonus when you spend $500 within those first 3 months.

Pros

  • Unlimited 1.5% cash back on every single purchase
  • No minimum to redeem your hard earned cash back
  • $0 annual fee every year

Cons

  • You need an excellent credit score to apply for this card
  • 3% foreign transaction fee in US dollars
  • Have to read through terms to find the grace period, maximum late fee and maximum over limit fee

Interest Rates

The Chase Freedom Unlimited Credit Card has a 16.74% to 25.49% APR rate.


Rewards

The Chase Freedom Unlimited Credit Card offers a $150 bonus after you spend $500 within your first three months after opening your account. This card does not require a minimum for you to redeem your earned cash. Your cash back does not expire as long as you have an active account. On every day purchases, you receive 1.5% cash back reward on every single purchase. This card has no annual fee, which allows you to enjoy your cash back benefits to the fullest potential year after year.

Chase Sapphire Preferred® Card

sapphire preferred card

FEATURES

The Chase Sapphire Preferred® Card allows you to earn 2x the points on travel and restaurants across the globe while still earning one point per one dollar on all of your other purchases. There is no foreign transaction fee and there are no blackout dates or restrictions on your travel plans. Within the first three months of having your active account, you are eligible for a 50,000 point bonus if you spend $4,000 worth of purchases during that time frame.

Pros

  • 2x the points on restaurants and travel
  • 1 point per dollar spent on all of your other purchases
  • No travel restrictions or blackout dates

Cons

  • Have to book travel plans through Chase Ultimate Rewards
  • Have to read terms to see maximum late fee and maximum over limit fee

Interest Rates

The Chase Sapphire Preferred Card has a range from 17.74% to 24.74% APR interest rate.


Rewards

The Chase Sapphire Preferred® Card is on our list as one of the best credit cards for excellent credit. You can earn 50,000 points after spending $4,000 on every day purchases made within the first three months of opening your account. When you book your travel through Chase Ultimate Rewards you could earn 25% more value on all of your travel plans. There are no blackout dates or restrictions on your travel.

Discover it® Cash Back

DISCOVER IT® CASH BACK

FEATURES

The Discover it® Cash Back benefits make it another one of the best credit cards for excellent credit. You earn 5% cash back on rotating locations every quarter such as grocery stores, Amazon.com and gas stations. Outside of the rotating 5% cash back, you receive 1% cash back on other every day purchases. There are no minimums for redeeming your earned cash. For the first year, Discover matches all of the cash back you earned at the end of the year automatically.

Pros

  • $0 annual fee
  • 5% cash back at rotating places each quarter (such as gas stations, restaurants, grocery stores, etc.)
  • 1% cash back on all other purchases

Cons

  • Grace period of only 23 days
  • 5% cash advance fee with a minimum of $10
  • Maximum for 5% cash back earnings

Interest Rates

The Discover it® Cash Back Credit Card offers 13.99% to 24.99% APR interest rates.


Rewards

The Discover it® Cash Back Card matches all of your earned cash reward over the first year of your account activation at the end of the 12 months automatically. You can redeem your cash back at any time and with no required minimums. There is no annual fee and no foreign transaction fee. You also receive free alerts from Discover because of their free social security online monitoring.

Capital One® Quicksilver® Cash Rewards Credit Card

CAPITAL ONE® QUICKSILVER® CASH REWARDS CREDIT CARD

FEATURES

The Capital One® Quicksilver® Cash Rewards Credit Card allows you to earn unlimited 1.5% cash back on all of your purchases every day. With no limit to your cash back rewards, the Capital One® Quicksilver® Cash Rewards Card is another one of the best credit cards for excellent credit. This card includes a onetime bonus offer of $150 for spending $500 within three months. A great feature of this card is its $0 annual fee.

Pros

  • Unlimited 1.5% cash back on every single purchase
  • 0$ annual fee
  • No foreign transaction fee

Cons

  • 3% cash advance fee with a minimum of $10
  • $38 maximum late fee

Interest Rates

The Capital One® Quicksilver® Cash Rewards Credit Card has 14.74% to 24.74% APR interest rate after the first 15 months.


Rewards

The Capital One® Quicksilver® Card has an initial bonus of $150 after you spend $500 on purchases within the first 3 months of activating your account. You can earn unlimited 1.5% cash back on every purchase you make. You do not have a maximum on how much cash back you can earn and your cash back rewards never expire as long as you have an active account.

Capital One® Savor® Cash Rewards Credit Card

CAPITAL ONE® SAVOR® CASH REWARDS CREDIT CARD

FEATURES

This Capital One® Savor® Card allows you to consistently earn unlimited 4% cash back on dining and entertainment. Another reason this card is on the list of the best credit cards for excellent credit is its 2% cash back on all grocery store purchases. You receive 1% cash back on all other daily purchases. You are eligible for a $500 bonus if you spend $3,000 within the first three months.

Pros

  • 4% unlimited cash back on entertainment and dining
  • 2% earned at all grocery stores
  • No foreign transaction fees

Cons

  • Only $500 bonus after spending $3,000 on purchases within first 3 months
  • $95 annual fee after the first year
  • High starting APR range

Interest Rates

The Capital One® Savor® Cash Rewards Credit Card has 16.24% to 25.24% APR interest range.


Rewards

On top of 4% unlimited cash back for all entertainment and dining, you receive 2% cash back on groceries and 1% cash back on all other daily purchases. You are eligible for a $500 bonus if you spend $3,000 or more on purchases within the first three months. Your earned cash back will not expire as long as you have an active account.

TRIO® Credit Card from Fifth Third Bank

TRIO® CREDIT CARD FROM FIFTH THIRD BANK

FEATURES

This card features a lot of options regarding cash back. You receive 3% cash back at restaurants while also receiving 2% cash back at gas stations, grocery stores and drug stores. Lastly, you receive 1% cash back on all other purchases. If you spend $1,000 within the first 90 days of opening your account, you are eligible to receive up to $100 of cash back.

Pros

  • 1% unlimited cash back on purchases (excluding grocery stores, gas stations and restaurants)
  • 3% cash back on restaurants
  • 2% cash back on gas stations, grocery stores and drug stores

Cons

  • Grace period of 23 days
  • Maximum late fee of $38

Interest Rates

The APR interest rate ranges from 15.74% to 24.74% for the TRIO Credit Card from Fifth Third Bank.


Rewards

You could earn up to $100 if you spend $1,000 within the first three months of activating your new account. There are no foreign exchange fees and no annual fees.

Citi® Double Cash Card

CITI® DOUBLE CASH CARD

FEATURES

The Citi® Double Cash Card is on the best credit cards for excellent credit list because it allows you to earn cash back on both purchases and payments. You earn 1% cash back on purchases and payments as well with no annual fee and no maximum for your cash back earnings.

Pros

  • You earn 1% cash back when you make a purchase and 1% cash back when you pay
  • No maximum on cash back earnings

Cons

  • $0 annual fee is subject to change after assessment of the opened account
  • 3% foreign transaction fee
  • Higher starting APR interest rate

Interest Rates

The Citi® Double Cash Card interest ranges from 15.49% to 25.49% APR.


Rewards

You receive cash back rewards on every single purchase and payment you make using this card. There is no annual fee or maximum on any of your earnings.

Blue Cash Everyday® Card from American Express

BLUE CASH EVERYDAY® CARD FROM AMERICAN EXPRESS

FEATURES

The Blue Cash Everyday® Card from American Express is on the list of the best credit cards for excellent credit because of the cash back rewards available. You will receive 3% cash back at US supermarkets, 2% cash back at certain US department stores and US gas stations. Outside of those categories of purchases, you also receive 1% cash back on all other daily purchases. There is no annual fee and your cash back earnings can be redeemed as reward dollars. Reward dollars can be applied to statement credits, merchandise and gift cards.

Pros

  • 3% cash back at US supermarkets
  • 2% cash back at US gas stations and select US department stores
  • $0 annual fee

Cons

  • Cash back is redeemed in the form of reward dollars
  • 3% cash back at US supermarkets is capped at $6,000 per year in purchases
  • 2.7% foreign transaction fee

Interest Rates

The APR interest rate on the Blue Cash Everyday Card from American Express ranges from 14.99% to 25.99% APR.


Rewards

There is no annual fee for this Blue Cash Everyday® Card from American Express. When you spend $1,000 within the first three months of receiving your credit card you will receive a $150 statement credit.

HSBC Gold Mastercard®

HSBC GOLD MASTERCARD®

FEATURES

This HSBC Gold Mastercard® is at the bottom of our list of the best credit cards for excellent credit. This card does not have any cash back rewards nor does it have any bonuses for opening a new account. This card does not charge an annual fee. There are no foreign transaction fees and you are not liable for any unauthorized purchases that are made on your card.

Pros

  • $0 annual fee
  • No foreign transaction fee
  • Late fee waiver

Cons

  • No new account bonuses
  • No cash back

Interest Rates

The interest rate for the HSBC Gold Mastercard is a variable of 12.74% to 16.74% on to 20.74%. The interest rate does not apply until after the first 12 months.


Rewards

You do not have to pay an annual fee to use this credit card. It offers one of the lowest APR variable interest rates along with no foreign transaction fees.

The Verdict

The verdict is that there are a lot of great credit cards you can apply for that can supplement your spending habits, introduce you to using a credit card or help you increase your credit score. This review of the best credit cards for excellent credit runs from cards with 3% cash back and no annual fee to large bonuses and a $95 annual fee. Because we've provided you with important information to make an informed decision, you can decide which card works best for your life. If you travel frequently you will want to look at cards that provide useful travel benefits like no blackout dates. If you want better benefits on your daily purchases, a cash back credit card is a great option for your lifestyle. We hope this review of the best credit cards for excellent credit helps you make an informed decision for your next credit card.

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