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

First Access Visa® Card

$300 credit limit (subject to available credit)

Rating

  

Regular Purchase APR

See Terms

Credit Recommended

Fair/Bad Credit

Annual Fee

See Terms

Updated For

Thu 25 May 2023

Full Details

Card Page

CARD SPOTLIGHT

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 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 Members
  • 1.5% Cash Back on all purchases made with your card
  • $100 Bonus Offer Statement Credit 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. 0% introductory APR for 12 months on balance transfers made in the first 90 days after account opening. After that, the APR for the unpaid balance and any new balance transfers will be a non-variable rate of 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.

Additional Info

  • Annual Fee: $0
  • Purchase Variable APR: 17.99%
  • Refer to PenFed.org for Terms/Conditions

Specifications

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

Intro Purchase APR n/a

Intro Balance Transfer APR n/a

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

Credit Recommended Good/Excellent

Regular Purchase APR 17.99% Variable

Full Details Card Page

Highlights

  • Earn more everywhere you go!
  • 50,000 Bonus Points 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 Members
  • 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. 0% introductory APR for 12 months on balance transfers made in the first 90 days after account opening. After that, the APR for the unpaid balance and any new balance transfers will be a non-variable rate of 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.

Additional Info

  • Annual Fee: $95 (waived for existing PenFed Honors Advantage Members)
  • Purchase Variable APR: 17.99%
  • Refer to PenFed.org for Terms/Conditions

Specifications

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

PenFed Platinum Rewards Visa Signature® Card

Get Rewarded on Everyday Purchases

Intro Purchase APR n/a

Intro Balance Transfer APR n/a

Annual Fee $0.00

Credit Recommended Good/Excellent

Regular Purchase APR 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 Points 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. 0% introductory APR for 12 months on balance transfers made in the first 90 days after account opening. After that, the APR for the unpaid balance and any new balance transfers will be a non-variable rate of 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.

Additional Info

  • Annual Fee: $0
  • Purchase Variable APR: 17.99%
  • Refer to PenFed.org for Terms/Conditions

Specifications

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

PenFed Gold Visa® Card

0% Balance Transfers Promo APR for 15 months

Intro Purchase APR n/a

Intro Balance Transfer APR n/a

Annual Fee $0.00

Credit Recommended Good/Excellent

Regular Purchase APR 16.49% to 17.99% Variable

Full Details Card Page

Highlights

  • Our Lowest-Rate Card
  • Benefits of this gold card include low APR and low promotional balance transfer APR. Go for the gold today!
  • LOW APR on all purchases
  • 0% Introductory APR on purchases made the first 15 months after account opening. After that, the APR for any unpaid purchase balance and any new purchases will be 16.49% to 17.99% based on your creditworthiness and will vary with the market based on the prime rate. 0% introductory APR for 15 months on balance transfers made in the first 90 days after account opening. After that, the APR for the unpaid balance and any new balance transfers will be a non-variable rate of 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.

Additional Info

  • Annual Fee: $0
  • Purchase Variable APR: 16.49% to 17.99%
  • Refer to PenFed.org for Terms/Conditions

Specifications

Intro (Purchases) n/a
Intro (Transfers) n/a
Regular APR 16.49% to 17.99% Variable
Annual Fee $0.00
Credit Recommended Good/Excellent
Cash Advance APR See Terms
Cash Advance Fee See Terms
Cash Grace Period n/a
Late Payment Fee See Terms
Overlimit Fee See Terms
Return Check Fee See Terms
Foreign Transaction Fee See Terms
Balance Transfer Fee 3% fee applies to each transaction

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 17.74 - 31.74% Variable

Full Details Card Page

Highlights

We think it’s about time a credit card company helped people succeed financially. That’s why we’ve used modern technology to design credit card products that help you budget, control your spending, and build credit.

  • No fees whatsoever. No late fee, foreign transaction fee, annual fee, or any-other-kind-of-fee, fee.
  • Variable APRs range from 17.74% – 31.74%
  • 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

Additional Info

  • Rewards Rate: 1% cash back on eligible purchases
  • Annual Fee: $0
  • Regular APR: 17.74 – 31.74% Variable
  • Credit Recommended: Excellent, Good, Limited History, No History, 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 17.74 - 31.74% 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

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 14.99% - 29.99% APR

Full Details Card Page

Highlights

  • $200 bonus 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 after you make payments on your purchases
  • No annual fee
  • Combine the flexibility of a credit card with the predictability of a personal loan
  • No touch payments with contactless technology built in
  • See if you qualify in minutes without hurting your credit score
  • 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 welcome bonus, you must open and fund a new Rewards Checking account and make 3 qualifying debit card transactions from your Rewards Checking account within 60 days of the date the Upgrade Card account is opened. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade VISA® Debit Card Agreement and Disclosures for more information. Your Upgrade Card and Rewards Checking account must be open and in good standing to receive a bonus. If you have previously opened a Rewards Checking account or do not open one as part of this application process, you are not eligible for this welcome bonus offer. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking account as a one-time payout credit within 60 days after the 3rd qualifying card purchase.

State Exclusions: DC, IA, WV, WI

Link to Rates and Terms:

https://upgrade.zendesk.com/hc/en-us/articles/1260804318969-Upgrade-Triple-Cash-Back-Rewards-Details

Additional Info

  • Annual Fee: $0
  • Intro Purchase APR: N/A
  • Regular Purchase APR: 14.99% -29.99%
  • Intro Balance Transfer APR: NA
  • Cash Advance APR: NA
  • Cash Advance FEE: NA
  • Late Fee: $0
  • Penalty APR: NA
  • Balance Transfer APR: 14.99% to 29.99%
  • Balance Transfer Fee: Up to 5%
  • Foreign Transaction Fee: Up to 3%
  • Return Payment Fee: $0
  • Welcome Bonus: $200*
  • $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 14.99% - 29.99% APR
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 Up to 3%
Balance Transfer Fee Up to 5%

Upgrade Cash Rewards Visa®

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 14.99% - 29.99% APR

Full Details Card Page

Highlights

  • $200 bonus 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 credit card with the predictability of a personal loan
  • No annual fee
  • No touch payments with contactless technology built in
  • See if you qualify in minutes without hurting your credit score
  • 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 welcome bonus, you must open and fund a new Rewards Checking account and make 3 qualifying debit card transactions from your Rewards Checking account within 60 days of the date the Upgrade Card account is opened. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade VISA® Debit Card Agreement and Disclosures for more information. Your Upgrade Card and Rewards Checking account must be open and in good standing to receive a bonus. If you have previously opened a Rewards Checking account or do not open one as part of this application process, you are not eligible for this welcome bonus offer. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking account as a one-time payout credit within 60 days after the 3rd qualifying card purchase.

State Exclusions: DC, IA, WV, WI

Link to Rates and Terms:

https://upgrade.zendesk.com/hc/en-us/articles/360007229514-What-rates-does-Upgrade-offer-on-its-Personal-Credit-Lines

Additional Info

  • Annual Fee: $0
  • Intro Purchase APR: N/A
  • Regular Purchase APR: 14.99% -29.99%
  • Intro Balance Transfer APR: NA
  • Cash Advance APR: NA
  • Cash Advance FEE: NA
  • Late Fee: $0
  • Penalty APR: NA
  • Balance Transfer APR: 14.99% to 29.99%
  • Balance Transfer Fee: Up to 5%
  • Foreign Transaction Fee: Up to 3%
  • Return Payment Fee: $0
  • Rewards Rate: 1.5%
  • Welcome Bonus: $200*
  • $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 14.99% - 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 Up to 3%
Balance Transfer Fee Up to 5%

TRUSTED PARTNER

Experian Boost™

Improve Your Credit Scores Instantly for Free

Highlights

  • Get credit for bills like your phone, utilities and popular streaming services—free, with Experian Boost™
  • Access your free Experian® Credit Report & FICO® Score
  • Includes Experian® credit monitoring and alerts
  • Learn More

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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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