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November 2019: Best
excellent credit cards FROM
OUR PARTNERS

What is excellent credit? It's when your spotless credit history has made you eligible for the very best credit card deals out there. You can qualify for 0% APR on purchases or balance transfers; cash back on purchases, cash sign-up bonuses, or yearly cash back incentives - you can have any of these benefits or you can have them all.

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Apply for Discover it® Cash Back - Credit-Land.com APPLY

on Discover's secure website

Excellent/Good Credit

Special Offer for Excellent Credit

BEST CHOICE OF November 2019

Rating 5.0

  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate.
  • Plus, earn unlimited 1% cash back on all other purchases - automatically.

0% Intro APR on Purchases and Balance Transfers

Intro APR on Purchases:
0% (14 months)

Intro APR on Balance Transfers:
0% (14 months)

Ongoing APR:
13.49% - 24.49% Variable

Balance Transfer Fee:
3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*

Annual Fee: $0

Rewards Bonus

INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.

Rewards

Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate.

Plus, earn unlimited 1% cash back on all other purchases - automatically.

More Credit Card Offers for Excellent Credit

Having excellent credit is like winning the jackpot: you can get access to all possible credit card perks. You can treat yourself to a credit card with a great promo offer like a 0% intro APR or a sign-up bonus, or you can enjoy special complimentary services like concierge services, travel assistant, lounge access, travel insurance, access to your credit score, and some other unique credit card benefits that come beyond cash back or travel miles.

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Apply for Citi Rewards+<sup>&#8480;</sup> Card - Credit-Land.com

Rating 5.0

APPLY

on Citi's secure website

Excellent, Good Credit

our choice

Intro APR on Purchases
0% 15 months on Purchases
Intro APR on Balance Transfer
0% 15 months on Balance Transfers
Regular APR
14.99% - 24.99% (Variable)
Balance Transfer Fee
3% of each balance transfer; $5 minimum
Annual Fee
$0
  • The Citi Rewards+SM Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
  • Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com
  • 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 14.99% - 24.99%, based on your creditworthiness.
  • Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X Points on All Other Purchases.
  • The standard variable APR for Citi Flex Plan is 14.99% - 24.99%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.

our choice

0% Intro APR on Purchases and Balance Transfers

Intro APR on Purchases:
0% 15 months on Purchases

Intro APR on Balance Transfers:
0% 15 months on Balance Transfers

Ongoing APR:
14.99% - 24.99% (Variable)

Balance Transfer Fee:
3% of each balance transfer; $5 minimum

Annual Fee: $0

15,000 ThankYou® Points

Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com

Rewards

The Citi Rewards+SM Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.

Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X Points on All Other Purchases.

Apply for Capital One® VentureOne® Rewards Credit Card - Credit-Land.com

Rating 4.7

APPLY

on Capital One's secure website

Excellent, Good Credit

our choice

Intro APR on Purchases
0% intro on purchases for 12 months
Intro APR on Balance Transfer
N/A
Regular APR
13.74% - 23.74% (Variable)
Balance Transfer Fee
$0
Annual Fee
$0
  • Click "APPLY ONLINE" to apply now
  • $0 annual fee and no foreign transaction fees
  • Earn a bonus of 20,000 miles once you spend $1,000 on purchases within 3 months from account opening, equal to $200 in travel
  • Earn 1.25X miles on every purchase, every day
  • Earn 10X miles on thousands of hotels, through January 2020; learn more at hotels.com/venture
  • Transfer your miles to over 12 leading travel loyalty programs
  • Enjoy 0% intro APR on purchases for 12 months; 13.74% - 23.74% variable APR after that
  • Travel when you want with no blackout dates and fly any airline, stay at any hotel, anytime
  • Miles won't expire for the life of the account and there's no limit to how many you can earn

our choice

0% Intro APR on Purchases

Intro APR on Purchases:
0% intro on purchases for 12 months

Ongoing APR on Purchases:
13.74% - 23.74% (Variable)

Annual Fee: $0

20,000 Miles

Earn a bonus of 20,000 miles once you spend $1,000 on purchases within 3 months from account opening, equal to $200 in travel

Rewards

Earn 1.25X miles on every purchase, every day

Earn 10X miles on thousands of hotels, through January 2020; learn more at hotels.com/venture

Apply for Discover it® Miles - Credit-Land.com

Rating 4.7

APPLY

on Discover's secure website

Excellent/Good Credit

our choice

Intro APR on Purchases
0% (14 months)
Intro APR on Balance Transfer
10.99% (14 months)
Regular APR
13.49% - 24.49% Variable
Balance Transfer Fee
3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
Annual Fee
$0
  • UNLIMITED BONUS: Discover will match ALL the Miles you’ve earned at the end of your first year, automatically. For example, if you earn 35,000 Miles, you get 70,000 Miles. That’s $700 towards travel! The more you earn, the more you get.
  • Earn unlimited 1.5x Miles for every dollar spent on all purchases - with no annual fee.
  • No Blackout Dates. Simply pay for travel purchases like airlines, hotels, rental cars, and more with your Discover it® Miles card.
  • Miles Pay You Back. Easily redeem Miles as a statement credit for travel purchases. Or get cash.
  • Freeze your account in seconds with an on/off switch either on the mobile app or website to prevent new purchases, cash advances, and balance transfers.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Discover Match® details & other information.

our choice

0% Intro APR on Purchases

Intro APR on Purchases:
0% (14 months)

Ongoing APR on Purchases:
13.49% - 24.49% Variable

Annual Fee: $0

Rewards Bonus

UNLIMITED BONUS: Discover will match ALL the Miles you’ve earned at the end of your first year, automatically. For example, if you earn 35,000 Miles, you get 70,000 Miles. That’s $700 towards travel! The more you earn, the more you get.

Rewards

Earn unlimited 1.5x Miles for every dollar spent on all purchases - with no annual fee.

Apply for Capital One® Quicksilver® Cash Rewards Credit Card - Credit-Land.com

Rating 5.0

APPLY

on Capital One's secure website

Excellent, Good Credit

our choice

Intro APR on Purchases
0% intro on purchases for 15 months
Intro APR on Balance Transfer
0% intro on balance transfers for 15 months
Regular APR
15.74% - 25.74% (Variable)
Balance Transfer Fee
3%
Annual Fee
$0
  • Click "APPLY ONLINE" to apply now
  • One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 15 months; 15.74%-25.74% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 15.74%-25.74% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • Pay no annual fee or foreign transaction fees

our choice

0% Intro APR on Purchases and Balance Transfers

Intro APR on Purchases:
0% intro on purchases for 15 months

Intro APR on Balance Transfers:
0% intro on balance transfers for 15 months

Ongoing APR:
15.74% - 25.74% (Variable)

Balance Transfer Fee:
3%

Annual Fee: $0

$150 Cash Back

One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening

Rewards

Earn unlimited 1.5% cash back on every purchase, every day

No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn

Apply for Citi Simplicity<sup>®</sup> Card - No Late Fees Ever - Credit-Land.com

Rating 4.3

APPLY

on Citi's secure website

Excellent, Good Credit

our choice

Intro APR on Purchases
0% 12 months on Purchases
Intro APR on Balance Transfer
0% 21 months on Balance Transfers
Regular APR
16.24% - 26.24% (Variable)
Balance Transfer Fee
5% of each balance transfer; $5 minimum
Annual Fee
$0
  • No Late Fees, No Penalty Rate, and No Annual Fee... Ever
  • 0% Intro APR on balance transfers for 21 months from date of first transfer. All transfers must be completed in first 4 months. After that, the variable APR will be 16.24% - 26.24%, based on your creditworthiness.
  • 0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 16.24% - 26.24%, based on your creditworthiness.
  • If you transfer a balance with this offer, after your 0% Intro purchase APR expires, both new purchases and unpaid purchase balances will automatically accrue interest until all balances, including your transferred balances, are paid in full
  • The standard variable APR for Citi Flex Plan is 16.24% - 26.24%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
  • Stay protected with Citi® Quick Lock and $0 liability on unauthorized charges

our choice

0% Intro APR on Purchases and Balance Transfers

Intro APR on Purchases:
0% 12 months on Purchases

Intro APR on Balance Transfers:
0% 21 months on Balance Transfers

Ongoing APR:
16.24% - 26.24% (Variable)

Balance Transfer Fee:
5% of each balance transfer; $5 minimum

Annual Fee: $0

Reporting to the Major Consumer Reporting Agencies

Unsecured Credit Card

Apply for Capital One® SavorOne® Cash Rewards Credit Card - Credit-Land.com

Rating 5.0

APPLY

on Capital One's secure website

Excellent, Good Credit

our choice

Intro APR on Purchases
0% intro on purchases for 15 months
Intro APR on Balance Transfer
0% intro on balance transfers for 15 months
Regular APR
15.74% - 25.74% (Variable)
Balance Transfer Fee
3%
Annual Fee
$0
  • Click "APPLY ONLINE" to apply now
  • Earn a one-time $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases
  • No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 15 months; 15.74% - 25.74% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 15.74% - 25.74% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • No foreign transaction fee
  • No annual fee

our choice

0% Intro APR on Purchases and Balance Transfers

Intro APR on Purchases:
0% intro on purchases for 15 months

Intro APR on Balance Transfers:
0% intro on balance transfers for 15 months

Ongoing APR:
15.74% - 25.74% (Variable)

Balance Transfer Fee:
3%

Annual Fee: $0

$150 Cash Back

Earn a one-time $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening

Rewards

Earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases

Apply for Luxury Card™ Mastercard® Black Card™ - Credit-Land.com

Rating 4.4

APPLY

Excellent/Good Credit

our choice

Intro APR on Purchases
N/A
Intro APR on Balance Transfer
0% For the first fifteen billing cycles following each balance transfer that posts to your account within 45 days of account opening.
Regular APR
16.49% This APR will vary with the market based on the Prime Rate.
Balance Transfer Fee
Either $5 or 3% of the amount of each transfer, whichever is greater.
Annual Fee
$495 ($195 for each Authorized User added to the account)
  • Stainless Steel – Patented Black-PVD-Coated Metal Card
  • 2% Value for Airfare Redemptions
  • 1.5% Value for Cash Back Redemptions
  • 24/7 Luxury Card Concierge™ – Available by phone, email, and mobile chat
  • Exclusive Luxury Card Travel Benefits
  • $100 Annual Airline Credit Toward Qualifying Purchases
  • $100 Global Entry Application Fee Credit
  • Annual Fee: $495 ($195 for each Authorized User)

our choice

0% Intro APR on Balance Transfers

Intro APR on Balance Transfers:
0% For the first fifteen billing cycles following each balance transfer that posts to your account within 45 days of account opening.

Ongoing APR on Balance Transfers:
16.49% This APR will vary with the market based on the Prime Rate.

Balance Transfer Fee:
Either $5 or 3% of the amount of each transfer, whichever is greater.

Rewards

You will earn 1 Point for every $1 spent.

Foreign Transaction Fee: 0% of each transaction in U.S. dollars.

Unsecured Credit Card

our choice

Intro APR on Purchases
N/A
Intro APR on Balance Transfer
0% For the first fifteen billing cycles following each balance transfer that posts to your account within 45 days of account opening.
Regular APR
16.49% This APR will vary with the market based on the Prime Rate.
Balance Transfer Fee
Either $5 or 3% of the amount of each transfer, whichever is greater.
Annual Fee
$195 ($95 for each Authorized User added to the account)
  • Brushed Stainless Steel – Patented Card Design
  • 2% Value for Airfare Redemptions
  • 1% Value for Cash Back Redemptions
  • 24/7 Luxury Card Concierge™ – Available by phone, email, and mobile chat
  • Exclusive Luxury Card Travel Benefits
  • Members-Only LUXURY MAGAZINE
  • Annual Fee: $195 ($95 for each Authorized User)

our choice

0% Intro APR on Balance Transfers

Intro APR on Balance Transfers:
0% For the first fifteen billing cycles following each balance transfer that posts to your account within 45 days of account opening.

Ongoing APR on Balance Transfers:
16.49% This APR will vary with the market based on the Prime Rate.

Balance Transfer Fee:
Either $5 or 3% of the amount of each transfer, whichever is greater.

Rewards

You will earn 1 Point for every $1 spent.

Foreign Transaction Fee: 0% of each transaction in U.S. dollars.

No Credit Check

Apply for Luxury Card™ Mastercard® Gold Card™ - Credit-Land.com

Rating 4.4

APPLY

Excellent/Good Credit

our choice

Intro APR on Purchases
N/A
Intro APR on Balance Transfer
0% For the first fifteen billing cycles following each balance transfer that posts to your account within 45 days of account opening.
Regular APR
16.49% This APR will vary with the market based on the Prime Rate.
Balance Transfer Fee
Either $5 or 3% of the amount of each transfer, whichever is greater.
Annual Fee
$995 ($295 for each Authorized User added to the account)
  • 24K-Gold-Plated – Patented Card Design
  • 2% Value for Airfare Redemptions
  • 2% Value for Cash Back Redemptions
  • 24/7 Luxury Card Concierge™ – Available by phone, email, and mobile chat
  • Exclusive Luxury Card Travel Benefits
  • $200 Annual Airline Credit Toward Qualifying Purchases
  • $100 Global Entry Application Fee Credit
  • Annual Fee: $995 ($295 for each Authorized User)

our choice

0% Intro APR on Balance Transfers

Intro APR on Balance Transfers:
0% For the first fifteen billing cycles following each balance transfer that posts to your account within 45 days of account opening.

Ongoing APR on Balance Transfers:
16.49% This APR will vary with the market based on the Prime Rate.

Balance Transfer Fee:
Either $5 or 3% of the amount of each transfer, whichever is greater.

Rewards

You will earn 1 Point for every $1 spent.

Foreign Transaction Fee: 0% of each transaction in U.S. dollars.

Unsecured Credit Card

Apply for Capital One® Savor® Cash Rewards Credit Card - Credit-Land.com

Rating 4.4

APPLY

on Capital One's secure website

Excellent, Good Credit

our choice

Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
16.24% - 25.24% (Variable)
Balance Transfer Fee
$0
Annual Fee
$0 intro for first year; $95 after that
  • Click "APPLY ONLINE" to apply now
  • Earn a one-time $300 cash bonus after you spend $3000 on purchases within the first 3 months from account opening
  • Earn unlimited 4% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases. Plus, earn 8% cash back on tickets at Vivid Seats through May 2020.
  • No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
  • No foreign transaction fees
  • Capital One cardholders get access to premium experiences in dining, entertainment and more
  • $0 intro annual fee for the first year, $95 after that

our choice

$300 Cash Back

Earn a one-time $300 cash bonus after you spend $3000 on purchases within the first 3 months from account opening

Rewards

Earn unlimited 4% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases. Plus, earn 8% cash back on tickets at Vivid Seats through May 2020.

Foreign Transaction Fee: None

Reporting to the Major Consumer Reporting Agencies

SHOW MORE CARDS
Apply for Capital One® Savor® Cash Rewards Credit Card - Credit-Land.com

Rating 4.4

APPLY

on Capital One's secure website

GREAT BONUS OFFER
of November 2019

  • Click "APPLY ONLINE" to apply now
  • Earn a one-time $300 cash bonus after you spend $3000 on purchases within the first 3 months from account opening
See more details

questionsABOUT
CREDIT CARDS

What kind of credit score do I need to get the Academy Visa?

You don’t need excellent credit, but on the other hand don’t apply for it if you have bad credit either. Anytime you have a hard inquiry on your credit report your credit score takes a hit. If you have bad credit...

Read more
I have had a Bank of America rewards card for students for 2 years. Now my credit is better and I want to get a card with lower interest rate (or even 0% APR). Can you offer any rewards credit card for me?

If you want to transfer your balance to a new credit card, note that many credit cards offer 0% APR on purchases for cardholders. If you need this feature you'd better consider getting a regular credit card, that may...

Read more
I need dental work done and want a card with 21 months of 0% interest and credit line of $5,000. What is my best option? How long does it take to apply for and receive a card? What would the monthly payment be? Is a credit card option better than financing?

You can consider applying for the Citi Simplicity® Card - No Late Fees Ever (Citi is a Credit-Land.com advertising partner). The card offers 12 months of 0%...

Read more
See all questions

NOT SURE WHICH CARD
TO CHOOSE?

Ask our Experts and get free advice to your email!

ASK QUESTION

Lots of Choices for People with
Excellent Credit

Before you find out what benefits and perks you can get when your credit is perfect, let's clarify what is considered excellent credit. According to the FICO credit score range, excellent credit falls in the range between 750 and 850. With such a credit score, you can get approved for any credit card on most generous terms. It's in your power to choose the card that meets your specific needs best.

However, note that your perfect score does not guarantee that you'll be approved for any credit card you wish even if you qualify. There are too many factors and nuisances, plus banks have their own criteria and requirements too.

Since you have all the best offers available, you do not have to think how to get approved for a credit card with a high limit. You already got it with your excellent credit. Also, most banks will let you earn points, miles or cash back on every dollar you spend, and these rewards can be converted into cash, traded in for gift cards, airline tickets, hotel stays, or used on a shopping spree. Use this "free money" to get discounts on whatever you want to buy, and wherever you want to buy it.

Many credit cards for people with excellent credit offer perks like concierge service that will help you shop for gifts, find priority seating at events, and even help plan your wedding. Some of the other services that come with these cards include: 24-hour travel and roadside assistance, 0% fraud liability, and price protection on items purchased with your credit card.

Keep in mind that while having excellent credit gives you many rewards and perks, you must maintain your stellar money management habits, make wise financial decisions, and most importantly, never miss a payment, if you want to hold on to your excellent credit rating.

All your credit cards will still report your credit activity to all three major credit bureaus monthly and if you miss a single payment, your credit score can drop. And since you have excellent credit, any negative mark on your report, even the minor one, can result in a significant credit score drop. So, make sure you continue managing all your active credit accounts with all your creditors responsibly and no matter what.

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commentsABOUT
EXCELLENT CREDIT CARDS

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