Credit Cards (US)

Find the best cards if you have excellent credit

Want to know our ultimate list of the best credit cards for people with excellent credit scores? Check our curated selection and find out now which are the best for you!

The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.

Excellent credit? We help you with the best card options: check our varied selection to get the best for you!

Find out the best cards for excellent credit! Source: Adobe Stock.
Find out the best cards for excellent credit! Source: Adobe Stock.

Unsure of which subscription plans to consider when picking a reward package that better suits your needs? Everyone has to start somewhere, so we’ve curated a special selection of the best credit cards for people with excellent credit scores. Keep reading so you can make the best decision for your credit lifestyle!

Our best card recommendations if you have excellent credit!

Our selection of the best cards for excellent credit scores is specially catered to save you money in various formats. Check our more in-depth card reviews on these selected offers to know more about them and how to apply!

Upgrade Triple Cash Rewards Visa® card

Credit ScoreAverage – Excellent 
Annual FeeNo annual fee.
Regular APRFrom 14.99% to 29.99%.

Upgrade Triple Cash Rewards Visa® Card Highlights

With good cash back rewards and no annual fee, the Upgrade Triple Cash Rewards Visa® credit card is a great option that converts carried balance into low-cost installment loans, all with fixed-rate.

  • $200 welcome bonus.*
  • 1% to 3% cash back on eligible purchases.*
  • $0 annual fee.

*Terms apply.

Check out how to apply for the Upgrade Triple Cash Rewards Visa® credit card in our post below and learn all there is to the application process!

Upgrade Triple Cash Rewards Visa®

How to apply for Upgrade Triple Cash Rewards Visa®

The Upgrade Triple Cash Rewards Visa® is a hybrid credit card and personal loan at low costs. It offers rewards and zero fees. Learn how to apply for it!

Upgrade Triple Cash Rewards Visa®

Upgrade Triple Cash Rewards Visa® Review

Upgrade's new card is full of rewards! Read the Upgrade Triple Cash Rewards Visa® review and learn more about its benefits, such as unlimited cash back and no annual fee!

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Upgrade Bitcoin Rewards Visa® Card

Credit ScoreGood – Excellent 
Annual FeeNo annual fee.
Regular APR14.99% – 29.99% variable APR.

Upgrade Bitcoin Rewards Visa® Card Highlights

An option for the technology investment savvy, this is a credit card option that rewards you in bitcoin when you pay your balance! It has no annual fee and a variable APR, making it a good option with an interesting reward plan.

  • $200 welcome bonus.*
  • 1.5% cash back in bitcoin on all purchases.*
  • $0 annual fee.

*Terms apply.

If you like the idea of getting your credit rewards as bitcoin, this card might be a great option for you! Check our full review to learn more and the post below to know how to apply!

Upgrade Bitcoin Rewards Visa®

How to apply for the Upgrade Bitcoin Rewards Visa®

An Upgrade Bitcoin Rewards Visa® is a hybrid credit card and personal loan that rewards you with bitcoins and more. Take a minute to read how to apply for this card!

Upgrade Bitcoin Rewards Visa®

Upgrade Bitcoin Rewards Visa® Card review

Upgrade's card that offers free cryptocurrency with low costs. If you think this kind of reward is good for you, then read our Upgrade Bitcoin Rewards Visa® review!

Chase Sapphire Preferred® Credit Card

Credit ScoreGood to Excellent.
Annual Fee$95.
Regular APR18.99% – 25.99% variable APR.

Chase Sapphire Preferred® Credit Card Highlights

This is a good option in the form of a travel card point system. You can get multiple points for travel-related expenses and get rewards for all other purchases, all with an affordable annual fee and variable APR.

  • 1x to 5x points on eligible purchases. *
  • 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. *
  • $95 annual fee.

*Terms apply.

If you are wondering if the Chase Sapphire Preferred® card might be a good fit, check our full review and application process post to learn more about it!

Chase Sapphire Preferred®

How to get the Chase Sapphire Preferred® Card

If you have the requirements, then you must want the Chase Sapphire Preferred® Credit Card. Read more to know how to apply for this great travel card!

Chase Sapphire Preferred®

Chase Sapphire Preferred® Credit Card review

The Chase Sapphire Preferred® Credit Card has an incredible welcome bonus and amazing travel and dining benefits. Read our full review of this rewarding travel card!

Capital One Venture Rewards Credit Card

There are plenty of options for people with an excellent score. Source: Adobe Stock.
There are plenty of options for people with an excellent score. Source: Adobe Stock.
Credit ScoreExcellent.
Annual Fee$95.
Regular APR18.99 to 26.99%, variable APR.

Capital One Venture Rewards Card Highlights

A good credit card that rewards double miles per dollar spent on eligible purchases, with a reasonable annual fee. You can get your 60 thousand miles to boost your subscription if you’re also a fan of welcome bonuses!

  • 2x to 5x miles on eligible purchases.*
  • 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months.*
  • $95 annual fee.

*Terms apply.

Like to travel? Then start claiming rewards for your next trip and check our full review and instructions on how to apply to get your hands on this credit card!

Capital One Venture Rewards Credit Card

How to get the Capital One Venture Rewards Card

Come and check how you can apply for the Capital One Venture Rewards Card and benefit from its many perks and travel opportunities.

Capital One Venture Rewards Credit Card

Capital One Venture Rewards Card review

If I were you, I would check out our full review on Capital One Venture Rewards Card. Come and see this card's premium benefits.

Citi Rewards+® Card

Credit ScoreGood to excellent.
Annual FeeNo annual fee.
Regular APR0% Intro APR on balance transfers for 15 months from date of first transfer and on purchases from date of account opening. After that period:

Purchases APR: 17.24% – 27.24% (Variable);
Balance Transfer APR: 17.24% – 27.24% (Variable);
Cash Advance APR: 28.99% (Variable).

Citi Rewards+® Card Highlights

This credit card benefits your everyday purchases, so you can enjoy the more unconventional expenses with the money you can save! With no annual fee and a variable APR, it also offers a good welcome bonus.

  • Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases.
  • Earn 20,000 welcome bonus points after you spend $1,500 in your first three months from account opening. Redeemable for $200 in gift cards at thankyou.com
  • $0 annual fee.

*Terms apply.

The Citi Rewards+® Card offers a wide range of points as rewards for day-to-day purchases. Check our full review to learn its particulars and our post below to understand the application process, step by step!

Citi Rewards+® card

How to apply for the Citi Rewards+® Card

Read our Citi Rewards+® Card application post to know how to apply and get the best out of this card's perks and benefits!

Citi Rewards+® card

Citi Rewards+® Card review

A rewards credit card that offers bonus points on groceries and other expenses! The Citi Rewards+® Card may be a good fit for you. Read our review to learn all about it!

Chase Freedom Unlimited® Credit Card

Credit ScoreExcellent.
Annual FeeNo annual fee.
Regular APR18.74% – 27.49% Variable.

Chase Freedom Unlimited® Credit Card Highlights

The Chase Freedom Unlimited® credit card offers a wide range of rewards with very little asked in return. It has no annual fees and a variable APR after the intro period of 15 months, during which there is no APR!

  • 1.5% to 5% cash back on eligible purchases.*
  • Additional 1.5% cash back on every purchases (on up to $20,000 spent in the first year). *
  • $0 annual fee.

*Terms apply.

This card seems like a good option and a reasonable jack-of-all-trades of credit rewards for you! Check below for a more in-depth review and see how to apply!

Chase Freedom Unlimited® credit card

How to apply for tghe Chase Freedom Unlimited®

The Chase Freedom Unlimited® Credit Card is that card that gives you what you need: flexibility and cashback. Are you wondering how to apply for it? Just keep reading!

Chase Freedom Unlimited® credit card

Chase Freedom Unlimited® Credit Card review

A credit card with no annual fee, but with many features? That is how the Chase Freedom Unlimited® Credit Card works. So, check out the card's full review!

Capital One Quicksilver Cash Rewards Credit Card

Credit ScoreExcellent.
Annual FeeNo annual fee.
Regular APR0% intro APR for 15 months on purchases and balance transfers;
17.99% – 27.99% variable APR after that period ends.

Capital One Quicksilver Cash Rewards Credit Card Highlights

The Capital One Quicksilver Cash Rewards credit card might be a good one for you, as it has an intro period with no APR paired with a welcome bonus and a good package of rewards for your purchases.

  • 1.5% cash back on purchases.*
  • One-time $200 welcome bonus.*
  • No APR for the first 15 months.
  • $0 annual fee.

Check out our full review for a detailed description of its perks! You can also refer to our step-by-step application process post below for your convenience when applying.

Capital One Quicksilver Student Cash Rewards Credit Card

How to get the Capital One Quicksilver Cash card

The Capital One Quicksilver Cash Rewards Credit Card features intro offers, a simple reward program with no annual fee. Learn how to apply for it right now!

Capital One Quicksilver Student Cash Rewards Credit Card

Capital One Quicksilver Cash Rewards Card review

Check out our Capital One Quicksilver Cash Rewards Credit Card review and learn more about its perks, such as cash back, $0 annual fee and 0% foreign transaction fee!

Unsure if you really need a new credit card?

We can help you figure out if you need a new card! Source: Adobe Stock.
We can help you figure out if you need a new card! Source: Adobe Stock.

Now that you know all about the best cards for excellent credit, are you still unsure whether you should get a new card?

Everyone has been there before, and we always love a helping hand presenting itself to give us some reliable advice on things we don’t fully understand.

From APR values and annual fees to multiple bonuses and reward systems, this topic’s information can be quite daunting and overwhelming at first.

Trust the real experts, and we’ll teach you when is the time to get a new credit card! Check our full post below to understand a little better when the timing is right to apply to your next credit reward plan and how to choose from the many possibilities!

zoom of a person typing on a laptop and holding a credit card

When is it time to get a new credit card?

Do you have a credit card and use it correctly? Come check out our best tips for a healthy use, also find out when it´s the best time to get a new credit card.

The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.

About the author  /  Victória Lourenço

Victória Lourenço is part of the finance writer team for The Mister Finance website. She is a translator and copywriter, having worked on finance topics for over four years. She has a goal to keep studying finances to help people learn more about how to use their credit cards, make loans, and use other money-related products in a way that they can find a more meaningful and healthy financial life!

Reviewed by  /  Aline Barbosa

Senior Editor

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