Excellent Credit CREDIT CARDS

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As a consumer with excellent credit, you’ll never have many concerns about receiving an approval for a new credit card. However, there’s one challenge awaiting you: sifting through hundreds of credit card offers with hopes of finding the right one. While you’re in good position to obtain the perfect credit card, you don’t want to rush your decision. We’ve listed out some of the best excellent credit credit cards below.

☆   Card Spotlight
Today’s Featured Card

PREMIER Bankcard® Mastercard® Credit Card

Just complete the short application and find out in 60 seconds if you’re approved.

Rating

  

Regular Purchase APR

See Issuer Website

Credit Recommended

Fair/Poor

Annual Fee

See Issuer Website

Updated For

Sun 15 May 2022

Full Details

Card Page

FEATURED

Upgrade Triple Cash Rewards Visa®

See if you qualify in minutes without hurting your credit score

Intro Purchase APR n/a

Intro Balance Transfer APR n/a

Annual Fee $0.00

Credit Recommended Good/Excellent

Regular Purchase APR 8.99% -29.99%

Full Details Card Page

Highlights

  • Earn a $200 bonus on your Upgrade Card after opening a Rewards Checking account and making 3 debit card transactions*
  • Unlimited cash back on payments – 3% on Home, Auto and Health categories and 1% on everything else
  • $0 fees – $0 annual fee, $0 activation fees, $0 maintenance fees
  • Combine the flexibility of a card with the low cost and predictability of a loan
  • No touch payments with contactless technology built in
  • See if you qualify in minutes without hurting your credit score
  • Access to a virtual card while you wait for your card to arrive in the mail
  • Great for large purchases with predictable payments you can budget for
  • Mobile app to access your account anytime, anywhere
  • Enjoy peace of mind with $0 Fraud liability

Link to Rates and Terms

* To qualify for the $200 welcome bonus, you must open and fund a new Upgrade Rewards Checking Account and make 3 debit card transactions within 60 days of your Upgrade Card account opening. The bonus credit will be posted to your Upgrade Card as a rewards credit within 1-2 billing periods following the third debit transaction on your Rewards Checking account. Your Upgrade Card must be in good standing to receive the bonus.

Additional Info

  • Annual Fee : $0
  • Intro Purchase APR : N/A
  • Regular Purchase APR : 8.99% -29.99%
  • Intro Balance Transfer APR : NA
  • Cash Advance APR : NA
  • Cash Advance FEE : NA
  • Late Fee : $0
  • Penalty APR : NA
  • Balance Transfer APR : NA
  • Balance Transfer Fee : $0
  • Foreign Transaction Fee : $0
  • Return Payment Fee : $0
  • $0 Fraud Liability : Yes
  • Extended Warranty Program : Yes
  • Roadside Assistance : Yes
  • Price Protection : Yes
  • Travel and Emergency Assistance Services : Yes
  • Concierge Service : Yes

Specifications

Intro (Purchases) n/a
Intro (Transfers) n/a
Regular APR 8.99% -29.99%
Annual Fee $0.00
Credit Recommended Good/Excellent
Cash Advance APR n/a
Cash Advance Fee n/a
Cash Grace Period n/a
Late Payment Fee $0.00
Overlimit Fee n/a
Return Check Fee n/a
Foreign Transaction Fee $0.00
Balance Transfer Fee n/a

PenFed Power Cash Rewards Visa Signature® Card

Earn Cash Back for Everyday Purchases

Intro Purchase APR n/a

Intro Balance Transfer APR n/a

Annual Fee $0.00

Credit Recommended Good/Excellent

Regular Purchase APR 15.99% to 17.99% Variable

Full Details Card Page

Highlights

  • Earn Cash Back for Everyday Purchases
  • No Caps. No Limits. No Gimmicks.
  • 2% Cash Back** on all purchases for PenFed Honors Advantage Membersƚƚ
  • 1.5% Cash Back** on all purchases made with your card
  • $100 Bonus Offer Statement Creditƚ When you spend $1,500 in the first 90 days
  • 0% Balance Transfers Promo APR for 12 months, 3% fee applies to each transaction. Subject to credit approval.
  • Balance Transfers Promo APR for 12 months, 3% fee applies to each transaction. Subject to credit approval. On transfers made from now until September 30, 2022. After that, the APR for the unpaid balance and any new balance transfers will be 17.99%. A 3% balance transfer fee applies to each transfer. This transaction is subject to credit approval. If you take advantage of this balance transfer, you will immediately be charged interest on all purchases made with your credit card unless you pay the entire account balance, including balance transfers, in full each month by the payment due date.
  • Annual Fee: $0
  • Purchase Variable APR*: 15.99% to 17.99%

Additional Info

Specifications

Intro (Purchases) n/a
Intro (Transfers) n/a
Regular APR 15.99% to 17.99% Variable
Annual Fee $0.00
Credit Recommended Good/Excellent
Cash Advance APR See Website for Details
Cash Advance Fee See Website for Details
Cash Grace Period See Website for Details
Late Payment Fee See Website for Details
Overlimit Fee See Website for Details
Return Check Fee See Website for Details
Foreign Transaction Fee See Website for Details
Balance Transfer Fee See Website for Details

Intro Purchase APR n/a

Intro Balance Transfer APR n/a

Annual Fee $95 (waived for existing PenFed Honors Advantage Membersƚƚ)***

Credit Recommended Good/Excellent

Regular Purchase APR 15.99% to 17.99% Variable

Full Details Card Page

Highlights

  • Earn more everywhere you go!
  • 50,000 Bonus Pointsƚ when you spend $3000 in the first 90 days
  • Up to $799^ total Travel value
  • 4X Points** on all Travel categories for PenFed Honors Advantage Membersƚƚ
  • 3X Points** on all Travel categories
  • 1.5X Points** on all other purchases
  • 0% Balance Transfers Promo APR for 12 months, 3% fee applies to each transaction. Subject to credit approval.
  • Balance Transfers Promo APR for 12 months, 3% fee applies to each transaction. Subject to credit approval. On transfers made from now until September 30, 2022. After that, the APR for the unpaid balance and any new balance transfers will be 17.99%. A 3% balance transfer fee applies to each transfer. This transaction is subject to credit approval. If you take advantage of this balance transfer, you will immediately be charged interest on all purchases made with your credit card unless you pay the entire account balance, including balance transfers, in full each month by the payment due date.
  • Annual Fee: $95 (waived for existing PenFed Honors Advantage Membersƚƚ)***
  • Purchase Variable APR*: 15.99% to 17.99%

Additional Info

Refer to PenFed.org for Terms/Conditions

Specifications

Intro (Purchases) n/a
Intro (Transfers) n/a
Regular APR 15.99% to 17.99% Variable
Annual Fee $95 (waived for existing PenFed Honors Advantage Membersƚƚ)***
Credit Recommended Good/Excellent
Cash Advance APR See Website for Details
Cash Advance Fee See Website for Details
Cash Grace Period See Website for Details
Late Payment Fee See Website for Details
Overlimit Fee See Website for Details
Return Check Fee See Website for Details
Foreign Transaction Fee See Website for Details
Balance Transfer Fee See Website for Details

Upgrade Visa® Card with Cash Rewards

Earn 1.5% unlimited cash back on card purchases every time you make a payment

Intro Purchase APR N/A

Intro Balance Transfer APR N/A

Annual Fee 0.00

Credit Recommended Fair,Good,Excellent

Regular Purchase APR 8.99%-29.99% APR

Full Details Card Page

Highlights

  • Earn a $200 bonus on your Upgrade Card after opening a Rewards Checking account and making 3 debit card transactions*
  • Earn 1.5% unlimited cash back on card purchases every time you make a payment
  • Combine the flexibility of a card with the low cost and predictability of a loan
  • $0 fees – $0 annual fee, $0 activation fees, $0 maintenance fees
  • No touch payments with contactless technology built in
  • See if you qualify in minutes without hurting your credit score
  • Access to a virtual card while you wait for your card to arrive in the mail
  • Great for large purchases with predictable payments you can budget for
  • Mobile app to access your account anytime, anywhere
  • Enjoy peace of mind with $0 Fraud liability

* To qualify for the $200 welcome bonus, you must open and fund a new Upgrade Rewards Checking Account and make 3 debit card transactions within 60 days of your Upgrade Card account opening. The bonus credit will be posted to your Upgrade Card as a rewards credit within 1-2 billing periods following the third debit transaction on your Rewards Checking account. Your Upgrade Card must be in good standing to receive the bonus.

Additional Info

Specifications

Intro (Purchases) n/a
Intro (Transfers) n/a
Regular APR 8.99%-29.99% APR
Annual Fee 0.00
Credit Recommended Fair,Good,Excellent
Cash Advance APR n/a
Cash Advance Fee n/a
Cash Grace Period n/a
Late Payment Fee 0.00
Overlimit Fee n/a
Return Check Fee 0.00
Foreign Transaction Fee 0.00
Balance Transfer Fee 0.00

Upgrade Bitcoin Rewards Visa®

Get pre-approved in seconds with no impact to your credit score

Intro Purchase APR n/a

Intro Balance Transfer APR n/a

Annual Fee $0.00

Credit Recommended Good/Excellent

Regular Purchase APR 8.99% - 29.99%

Full Details Card Page

Highlights

  • Earn a $200 bonus on your Upgrade Card after opening a Rewards Checking account and making 3 debit card transactions*
  • Earn 1.5% unlimited cash back in bitcoin when you make payments
  • The simple way to earn bitcoin: make purchases on your card, make payments, earn bitcoin
  • No annual fees, no foreign transactions fees
  • Get pre-approved in seconds with no impact to your credit score
  • Pay with your phone or device by using Apple Pay™ or Google Pay™
  • Mobile app to access your account anytime, anywhere
  • Enjoy peace of mind with $0 Fraud liability

* To qualify for the $200 bitcoin welcome bonus, you must open and fund a new Upgrade Rewards Checking Account and make 3 debit card transactions within 60 days of your Upgrade Card account opening. The value of the $200 worth of bitcoin provided will be based on the reference rate at the time it is purchased (within 1-2 statement periods from the date the bonus is earned) and such bitcoin may change in value by the time you are able to redeem it. See additional information applicable to bitcoin accounts and services. Your Upgrade Card must be in good standing to receive the bonus.

Additional Info

Link to Rates and Terms

State Exclusions: Not available in DC, Hawaii, Iowa, New Hampshire, North Carolina, West Virginia and Wisconsin

Specifications

Intro (Purchases) n/a
Intro (Transfers) n/a
Regular APR 8.99% - 29.99%
Annual Fee $0.00
Credit Recommended Good/Excellent
Cash Advance APR n/a
Cash Advance Fee n/a
Cash Grace Period n/a
Late Payment Fee n/a
Overlimit Fee n/a
Return Check Fee n/a
Foreign Transaction Fee $0.00
Balance Transfer Fee n/a

Intro Purchase APR n/a

Intro Balance Transfer APR n/a

Annual Fee 0.00

Credit Recommended Excellent/Good/Limited/No Credit

Regular Purchase APR 13.24 - 27.24% Variable

Full Details Card Page

Highlights

  • No fees whatsoever. No late fee, foreign transaction fee, annual fee, or any-other-kind-of-fee, fee.
  • Variable APRs range from 13.24% – 27.24%
  • Up to 1.5% cash back on eligible purchases after making 12 on-time monthly payments.
  • 1% cash back on eligible purchases right away
  • 2% – 10% cash back at select merchants
  • $300 – $10,000 credit limits
  • No credit score? No problem. If eligible, we’ll create your Cash Score instead.
  • See if you’re pre-approved within minutes without impacting your credit score.
  • Build credit alongside hundreds of thousands of Petal card members.
  • Petal reports to all 3 major credit bureaus.
  • No deposits required
  • Card issued by WebBank, Member FDIC

Additional Info

  • Intro (Purchases): N/A
  • Intro (Transfers): N/A
  • Regular APR: 13.24 – 27.24% Variable
  • Annual Fee: $0
  • Credit Recommended: Excellent/Good/Limited/No Credit
  • Credit Limit: $300 – $10,000
  • Product Type: Consumer
  • Overlimit Fee: $0
  • Balance Transfer Fee: N/A
  • Late Payment Fee: $0
  • Cash Advance Fee: N/A
  • Checking Account Required: Yes

Specifications

Intro (Purchases) n/a
Intro (Transfers) n/a
Regular APR 13.24 - 27.24% Variable
Annual Fee 0.00
Credit Recommended Excellent/Good/Limited/No Credit
Cash Advance APR n/a
Cash Advance Fee n/a
Cash Grace Period n/a
Late Payment Fee 0.00
Overlimit Fee 0.00
Return Check Fee n/a
Foreign Transaction Fee n/a
Balance Transfer Fee n/a

PenFed Platinum Rewards Visa Signature® Card

5x Points** on gas paid at the pump and EV charging stations

Intro Purchase APR n/a

Intro Balance Transfer APR n/a

Annual Fee $0.00

Credit Recommended Good/Excellent

Regular Purchase APR 14.49% to 17.99% Variable

Full Details Card Page

Highlights

  • Get Rewarded on Everyday Purchases
  • 5x Points** on gas paid at the pump and EV charging stations
  • 3x Points** at the supermarket (including most Target and Walmart locations†), restaurants, and TV, radio, cable, streaming services
  • 1x Points** on all other purchases
  • 15,000 Bonus Pointsƚ when you spend $1,500 in first 90 days
  • 0% Balance Transfers Promo APR for 12 months, 3% fee applies to each transaction. Subject to credit approval.
  • Balance Transfers Promo APR for 12 months, 3% fee applies to each transaction. Subject to credit approval. On transfers made from now until September 30, 2022. After that, the APR for the unpaid balance and any new balance transfers will be 17.99%. A 3% balance transfer fee applies to each transfer. This transaction is subject to credit approval. If you take advantage of this balance transfer, you will immediately be charged interest on all purchases made with your credit card unless you pay the entire account balance, including balance transfers, in full each month by the payment due date.
  • Annual Fee: $0
  • Purchase Variable APR*: 14.49% to 17.99%

Additional Info

Specifications

Intro (Purchases) n/a
Intro (Transfers) n/a
Regular APR 14.49% to 17.99% Variable
Annual Fee $0.00
Credit Recommended Good/Excellent
Cash Advance APR See Website for Details
Cash Advance Fee See Website for Details
Cash Grace Period See Website for Details
Late Payment Fee See Website for Details
Overlimit Fee See Website for Details
Return Check Fee See Website for Details
Foreign Transaction Fee See Website for Details
Balance Transfer Fee See Website for Details

PenFed Gold Visa® Card

$100 Bonus Statement Credit when you spend $1,500 in the first 90 days

Intro Purchase APR 0% PROMO APR‡

Intro Balance Transfer APR n/a

Annual Fee $0.00

Credit Recommended Good/Excellent

Regular Purchase APR 7.49% to 17.99%

Full Details Card Page

Highlights

  • LOW APR on purchases
  • $100 Bonus Statement Credit when you spend $1,500 in the first 90 days
  • Annual Fee: $0
  • Purchase Variable APR: 7.49% to 17.99%

Additional Info

0% PROMO APR on balance transfers for 15 months from now until September 30, 2022, after that a non-variable APR of 17.99%, 3% fee applies to each transaction. Subject to credit approval.

Specifications

Intro (Purchases) 0% PROMO APR‡
Intro (Transfers) n/a
Regular APR 7.49% to 17.99%
Annual Fee $0.00
Credit Recommended Good/Excellent
Cash Advance APR See Website for Details
Cash Advance Fee See Website for Details
Cash Grace Period See Website for Details
Late Payment Fee See Website for Details
Overlimit Fee See Website for Details
Return Check Fee See Website for Details
Foreign Transaction Fee See Website for Details
Balance Transfer Fee See Website for Details

There are Many Types of Credit Cards

As you begin your search for a credit card, you could easily slip into the camp that believes “one offer is as good as the next.” Nothing could be further from the truth, and that’ll never change. It’s nice to know that there are many types of credit cards. Not only does this increase the...

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Can a Secured Card Help You Rebuild Your Credit?

It is becoming increasingly difficult to go through life without at least one credit card.  However, for those with a bad credit history, getting approved for a regular credit card can be next to impossible. For those who are ready to shed the yoke of bad credit or bankruptcy, a secured card could be the...

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5 Benefits of an Excellent Credit Score

Most consumers strive to obtain an excellent credit score, which falls in the 800 to 850 range. It may not be something you think about every day, but here are some of the many benefits of reaching this level:

1. Competitive Interest Rates

It doesn’t matter if you’re applying for a credit card, mortgage, car loan or some other type of lending product, an excellent credit score gives you access to the lowest available interest rate.
With a credit card, a low interest rate saves you money if you carry a balance from month to month. With a loan, a lower rate equals a lower monthly payment.

2. Opportunity to Borrow More Money

Are you seeking a credit card with a higher limit? Do you require a large loan, such as to purchase your dream home?
An excellent credit score gives you the ability to borrow more money, as the lender sees you as less of a risk. This puts you in position to achieve many of your financial and personal goals.

3. No Security Deposit

It’s extremely frustrating to pay a security deposit, such as when signing up with a new cell phone provider or activating utilities. Companies and creditors ask for this upfront deposit as a means of protecting against delinquent accounts.
With excellent credit, you’re not considered a risk. So, it’s not likely that you’ll be asked to pay a security deposit.

4. Savings When Buying a Home

Buying a home is a big financial decision, as it’ll impact your finances for many years to come. This is particularly true if you take out a mortgage to make the purchase.
Depending on the size of your mortgage, a lower rate can save you tens of thousands of dollars over the course of your loan.

5. More Affordable Motor Vehicle Insurance

Buying a car is a big financial decision. From the purchase price to the maintenance to the insurance, you’ll always find yourself spending to keep you and your car on the road.
With car insurance premiums on the rise, you’re probably looking for ways to save on the cost of coverage. Maintaining an excellent credit score is helpful, as insurance companies believe that drivers with bad or fair credit are more likely to file a claim. Subsequently, they charge them a higher monthly premium.

Final Thoughts

There is no shortage of benefits of an excellent credit score. Once you reach a score of 800, you’ll find yourself using it to your advantage time after time. Keep climbing!

Advertiser Disclosure * Advertisements which display guaranteed credit lines or credit limits of $500.00-$750.00 are exclusively for usage through online retail stores, online marketplace websites and/or online auction websites. Credit limit offers displayed on advertisements are contingent on getting approved by the credit institution issuing the credit card or issuing the line of credit. When searching for the best credit card for you, there are several factors that you ought to consider. Some cards have APR rates that you need to review before you sign on with a bank or lender. Financing costs will influence your decision if you anticipate using the card for single purchases or if you intend to carry a monthly balance. If you don’t make your timely required payments by the due date, financing costs increase and you’ll have to pay the credit issuer those fees plus your current balance. Please review the credit card applications for specifics into the terms and conditions. We strive to display current and up-to-date information. Nonetheless, all credit card offers are displayed without guarantee. To affirm terms and conditions, tap the "Apply Now" to learn more about the credit offer on a secure page provided by the card issuer(s). Please review full terms and conditions prior to applying for any credit card.

General Disclaimer Please review the credit card applications for specifics into the terms and conditions. We strive to display current and up-to-date information. Nonetheless, all credit card offers are displayed without guarantee. To affirm terms and conditions, tap the "Apply Now" to learn more about the credit offer on a secure page provided by the card issuer(s)

Editorial Note Our team of editors rate credit card offers unbiasedly in light of the components the credit card offers purchasers, expenses, financing costs, and how a credit card is related by category. The evaluations are the master supposition of our editors, and not affected by any compensation this site gets from the credit card issuer(s).

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