Excellent Credit CREDIT CARDS
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.
Intro Purchase APR n/a
Intro Balance Transfer APR n/a
Regular Purchase APR 19.49% -25.49% Variable
Annual Fee $0 - $99
Credit Recommended Good, Excellent
Card BrandVisa
Highlights
Credit One Bank® is one of America’s leading credit card providers, serving over 5 million customers nationwide. Credit One is committed to providing customers with credit card products that offer more value through cash back rewards and free online monthly credit score tracking.
- Enjoy peace of mind with $0 Fraud Liability
- Qualified applicants will receive a card with a competitive APR and no annual fee along with 1% cash back rewards on all purchases, terms apply
- View updates to your Experian credit score with free online access, terms apply
- Make paying your bill easier with the ability to choose your payment due date, terms apply
- Access your account on-the-go with the Credit One Bank mobile app
- Never miss an account update with customizable text and email alerts
- Show off your personality by selecting from a variety of card designs, a fee may apply
Specifications
| Intro (Purchases) | n/a |
|---|---|
| Intro (Transfers) | n/a |
| Regular APR | 19.49% -25.49% Variable |
| Annual Fee | $0 - $99 |
| Credit Recommended | Good, Excellent |
| Cash Advance APR | 25.49% Variable |
| Cash Advance Fee | $5.00/8% or $10.00/3%, whichever is greater (see terms) |
| Cash Grace Period | 0 or 24 Days (see terms) |
| Late Payment Fee | Up to $39 (terms apply) |
| Return Check Fee | Up to $39 (terms apply) |
| Foreign Trans Fee | 3% or $1.00, whichever is greater |
| Balance Transfer Fee | n/a |
Upgrade Card
Upgrade Card with Personal Credit Line
Intro Purchase APR N/A
Intro Balance Transfer APR N/A
Regular Purchase APR 6.49%-29.99%
Annual Fee 0.00
Credit Recommended Fair,Good,Excellent
Card BrandVisa
Highlights
- Choose the Upgrade card with a personal credit line instead of a credit card and enjoy predictable payments on lines from $500-$50,000.
- No Fees – No annual fees and no fees to use your card.
- Quick and easy application – find out if you qualify in minutes.
- Checking your line won’t hurt your credit score.
- Free access to credit monitoring, alerts and features to help you understand your credit.
- Use wherever Visa is accepted. (cannot be used at an ATM)
Specifications
| Intro (Purchases) | n/a |
|---|---|
| Intro (Transfers) | n/a |
| Regular APR | 6.49%-29.99% |
| 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 |
| Return Check Fee | 0.00 |
| Foreign Trans Fee | 0.00 |
| Balance Transfer Fee | 0.00 |
Intro Purchase APR n/a
Intro Balance Transfer APR n/a
Regular Purchase APR 19.49% -25.49% Variable
Annual Fee $0 - $99
Credit Recommended Good
Card BrandVisa
Highlights
Credit One Bank® is one of America’s leading credit card providers, serving over 5 million customers nationwide. Credit One is committed to providing customers with credit card products that offer more value through cash back rewards and free online monthly credit score tracking.
- Qualified applicants will enjoy benefits including 1% cash back rewards on all purchases, no annual fee, and a competitive APR. Terms apply
- CreditOneBank.com and the Credit One Bank mobile app makes it easy to access and manage all your account information and make payments whether you’re at home or on-the-go.
- Zero Fraud Liability protects you if your card is ever lost or stolen. Rest easy knowing you won’t be held responsible for unauthorized charges.
- Use your Apple device to make purchases securely through Apple Pay®. Apple Pay is a registered trademark of Apple, Inc.
- Keep an eye on your credit information with free online access to your Experian credit score. Terms apply.
- Get access to billing statements online when you Go Paperless. Enjoy quicker access to your account documents without the hassle of having to wait ‘til they arrive in the mail.
Specifications
| Intro (Purchases) | n/a |
|---|---|
| Intro (Transfers) | n/a |
| Regular APR | 19.49% -25.49% Variable |
| Annual Fee | $0 - $99 |
| Credit Recommended | Good |
| Cash Advance APR | 25.49% Variable |
| Cash Advance Fee | $5.00/8% or $10.00/3%, whichever is greater (see terms) |
| Cash Grace Period | 0 or 24 Days (see terms) |
| Late Payment Fee | Up to $39 (terms apply) |
| Return Check Fee | Up to $39 (terms apply) |
| Foreign Trans Fee | 3% or $1.00, whichever is greater |
| Balance Transfer Fee | n/a |
Intro Purchase APR n/a
Intro Balance Transfer APR n/a
Regular Purchase APR 19.49% -25.49% Variable
Annual Fee $0 - $99
Credit Recommended Good
Card BrandVisa
Highlights
- See if you Pre-Qualify without harming your credit score
- Get 1% cash back rewards on eligible purchases and double cash back rewards at the NASCAR Shop, terms apply
- No need to fret—you’re covered by $0 Fraud Liability
- Accounts are automatically reviewed for credit line increase opportunities
- Choose your monthly payment due date for added convenience, terms apply
- Monitor your credit with free online access to your Experian credit score, terms apply
- Looking to rebuild credit? We report to the major credit bureaus monthly
- Never miss an account update with customizable text and email alerts
Specifications
| Intro (Purchases) | n/a |
|---|---|
| Intro (Transfers) | n/a |
| Regular APR | 19.49% -25.49% Variable |
| Annual Fee | $0 - $99 |
| Credit Recommended | Good |
| Cash Advance APR | 25.49% Variable |
| Cash Advance Fee | $5.00/8% or $10.00/3%, whichever is greater (see terms) |
| Cash Grace Period | 0 or 24 Days (see terms) |
| Late Payment Fee | Up to $39 (terms apply) |
| Return Check Fee | Up to $39 (terms apply) |
| Foreign Trans Fee | 3% or $1.00, whichever is greater |
| Balance Transfer Fee | n/a |
Intro Purchase APR n/a
Intro Balance Transfer APR n/a
Regular Purchase APR 19.49% -25.49% Variable
Annual Fee $0 - $99
Credit Recommended Good, Excellent
Card BrandVisa
Highlights
Credit One Bank® is one of America’s leading credit card providers, serving over 5 million customers nationwide. Credit One is committed to providing customers with credit card products that offer more value through cash back rewards and free online monthly credit score tracking.
- Qualified applicants will receive exclusive benefits such as 1% cash back rewards on all purchases, no annual fee, and a competitive APR. Terms apply.
- Manage your account quickly and easily from your mobile device by using the Credit One Bank mobile app
- Use your Apple device to make purchases securely through Apple Pay®. Apple Pay is a registered trademark of Apple, Inc.
- Your account is safeguarded against unauthorized charges with Zero Fraud Liability at no additional charge.
- Take advantage of free online access to your Experian credit score and credit report summary so you can track the key factors impacting your credit health. Terms apply.
Specifications
| Intro (Purchases) | n/a |
|---|---|
| Intro (Transfers) | n/a |
| Regular APR | 19.49% -25.49% Variable |
| Annual Fee | $0 - $99 |
| Credit Recommended | Good, Excellent |
| Cash Advance APR | 25.49% Variable |
| Cash Advance Fee | $5.00/8% or $10.00/3%, whichever is greater (see terms) |
| Cash Grace Period | 0 or 24 Days (see terms) |
| Late Payment Fee | Up to $39 (terms apply) |
| Return Check Fee | Up to $39 (terms apply) |
| Foreign Trans Fee | 3% or $1.00, whichever is greater |
| Balance Transfer Fee | n/a |
Intro Purchase APR n/a
Intro Balance Transfer APR n/a
Regular Purchase APR 19.49% -25.49% Variable
Annual Fee $0 - $99
Credit Recommended Excellent/Good
Card BrandVisa
Highlights
Credit One Bank® is one of America’s leading credit card providers, serving over 5 million customers nationwide. Credit One is committed to providing customers with credit card products that offer more value through cash back rewards and free online monthly credit score tracking.
- 1% cash back rewards on all purchases, no annual fee, and a competitive APR are just a few of the benefits qualified applicants will enjoy. Terms apply.
- With $0 Fraud Liability, you won’t be responsible for unauthorized charges
- Managing your account is easy with the Credit One Bank mobile app
- Pick a card that fits your style. Multiple card designs are available, a fee may apply
- Monitor your credit with free online access to your Experian credit score, terms apply
- Never miss an account update with customizable text and email alerts
- Do your part to help the environment with the option to go paperless
Specifications
| Intro (Purchases) | n/a |
|---|---|
| Intro (Transfers) | n/a |
| Regular APR | 19.49% -25.49% Variable |
| Annual Fee | $0 - $99 |
| Credit Recommended | Excellent/Good |
| Cash Advance APR | 25.49% Variable |
| Cash Advance Fee | $5.00/8% or $10.00/3%, whichever is greater (see terms) |
| Cash Grace Period | 0 or 24 Days (see terms) |
| Late Payment Fee | Up to $39 (terms apply) |
| Return Check Fee | Up to $39 (terms apply) |
| Foreign Trans Fee | 3% or $1.00, whichever is greater |
| Balance Transfer Fee | N/A |
Intro Purchase APR n/a
Intro Balance Transfer APR n/a
Regular Purchase APR 19.49% -25.49% Variable
Annual Fee $0 - $99
Credit Recommended Good, Excellent
Card BrandVisa
Highlights
- See if you Pre-Qualify without harming your credit score
- Get 1% cash back rewards on eligible purchases and double cash back rewards at the NASCAR Shop, terms apply
- No need to fret—you’re covered by $0 Fraud Liability
- Accounts are automatically reviewed for credit line increase opportunities
- Choose your monthly payment due date for added convenience, terms apply
- Monitor your credit with free online access to your Experian credit score, terms apply
- Looking to rebuild credit? We report to the major credit bureaus monthly
- Never miss an account update with customizable text and email alerts
Specifications
| Intro (Purchases) | n/a |
|---|---|
| Intro (Transfers) | n/a |
| Regular APR | 19.49% -25.49% Variable |
| Annual Fee | $0 - $99 |
| Credit Recommended | Good, Excellent |
| Cash Advance APR | 25.49% Variable |
| Cash Advance Fee | $5.00/8% or $10.00/3%, whichever is greater (see terms) |
| Cash Grace Period | 0 or 24 Days (see terms) |
| Late Payment Fee | Up to $39 (terms apply) |
| Return Check Fee | Up to $39 (terms apply) |
| Foreign Trans Fee | 3% or $1.00, whichever is greater |
| Balance Transfer Fee | n/a |
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 are exclusively for usage through online retail stores, online marketplace websites and/or online auctions. 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. A few 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 card organization those fees plus your current balance. Interest fees can shift from as low as 0% to as high as 35% for various periods. 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).