Excellent Credit CREDIT CARDSAs 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.
$300 credit limit (subject to available credit)
Fair/Bad Credit
Annual FeeSee Terms
Thu 25 May 2023
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
| 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 |
Earn more everywhere you go!
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
| 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 |
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
| 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 |
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
| 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 |
$300 - $10,000 credit limits
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
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.
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.
| 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 |
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
*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
*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
| 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% |
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
*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:
*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:
| 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
Improve Your Credit Scores Instantly for Free
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:
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.
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.
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.
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.
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.
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).
