There are Many Types of 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.
Just complete the short application and find out in 60 seconds if you’re approved.
Fair/Poor
Annual FeeSee Issuer Website
Sun 15 May 2022
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
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.
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.
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 |
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
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 |
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 Membersƚƚ)***
Credit Recommended Good/Excellent
Regular Purchase APR 15.99% to 17.99% Variable
Full Details Card Page
Refer to PenFed.org for Terms/Conditions
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 |
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
* 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.
* 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.
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 |
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
* 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.
* 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.
Link to Rates and Terms
State Exclusions: Not available in DC, Hawaii, Iowa, New Hampshire, North Carolina, West Virginia and Wisconsin
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 |
$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 13.24 - 27.24% Variable
Full Details Card Page
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 |
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
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 |
$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
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.
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 |
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).