Credit Cards for Excellent Credit in July 2019

ADVERTISING DISCLOSURE

ADVERTISING DISCLOSURE:
Credit-Land.com is an independent, advertising-supported web site. Credit-Land.com receives compensation from most credit card issuers whose offers appear on our site. Compensation from our advertising partners impacts how and where their products appear on our site, including, for example, the order in which they may appear within review lists. Credit-Land.com has not reviewed all available credit card offers in the marketplace.

TOP CREDIT CARDS FOR PERFECT CREDIT FROM OUR PARTNERS

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.

Discover it® Miles
Compare
APPLY NOW See Details >
CARD DETAILS:

  • INTRO OFFER: 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!
  • Earn unlimited 1.5x Miles for every dollar spent on all purchases all with no annual fee.
  • No Blackout Dates - fly any airline, stay at any hotel.
  • Redeem your Miles as a statement credit towards travel purchases.
  • 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.

APRs & FEES:

Intro APR on Purch.:

0% (14 months)

Intro APR on Bal. Tr.:

10.99% (14 months)

Ongoing APR:

14.24% - 25.24% Variable

Annual Fee:

$0

Balance Transfer Fee:

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

Foreign Transaction Fee:

None

HSBC Cash Rewards Mastercard® credit card
Compare
APPLY NOW See Details >
CARD DETAILS:

  • Earn unlimited 1.5% cash rewards on all purchases.
  • Earn an Introductory 3% Cash Back on all purchases in the first 12 months from Account opening, up to the first $10,000 in purchases.
  • 10% Anniversary Bonus on all Cash Rewards earned once a year.
  • No Annual Fee.
  • 0% Intro APR for 12 months on purchases and balance transfers, then a 15.24%, 19.24% or 25.24% variable APR.
  • No Foreign Transaction Fees.
  • $0 liability for unauthorized purchases.
  • Terms Apply.

APRs & FEES:

Intro APR on Purch.:

0% Intro APR for 12 months

Intro APR on Bal. Tr.:

0% Intro APR for 12 months

Ongoing APR:

Variable APR of 15.24%, 19.24% or 25.24%

Annual Fee:

None

Balance Transfer Fee:

Either $10 or 4%, whichever is greater, will apply on each balance transfer and credit card check

Foreign Transaction Fee:

0%

Capital One® Quicksilver® Cash Rewards Credit Card
Compare
APPLY NOW See Details >
CARD DETAILS:

  • 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; 16.24%-26.24% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 16.24%-26.24% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • Pay no annual fee or foreign transaction fees

APRs & FEES:

Intro APR on Purch.:

0% intro on purchases for 15 months

Intro APR on Bal. Tr.:

0% intro on balance transfers for 15 months

Ongoing APR:

16.24% - 26.24% (Variable)

Annual Fee:

$0

Balance Transfer Fee:

3%

Foreign Transaction Fee:

None

Capital One® SavorOne℠ Cash Rewards Credit Card
Compare
APPLY NOW See Details >
CARD DETAILS:

  • 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; 16.24% - 26.24% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 16.24% - 26.24% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • No foreign transaction fee
  • No annual fee

APRs & FEES:

Intro APR on Purch.:

0% intro on purchases for 15 months

Intro APR on Bal. Tr.:

0% intro on balance transfers for 15 months

Ongoing APR:

16.24% - 26.24% (Variable)

Annual Fee:

$0

Balance Transfer Fee:

3%

Foreign Transaction Fee:

None

HSBC Gold Mastercard® credit card
Compare
APPLY NOW See Details >
CARD DETAILS:

  • 0% Intro APR on purchases and balance transfers for the first 18 months from account opening. Then a variable APR of 13.24%, 17.24% or 21.24% will apply.
  • No Penalty APR.
  • Late Fee Waiver.
  • No Foreign Transaction Fees.
  • $0 Annual Fee.
  • $0 liability for unauthorized purchases.
  • Terms Apply

APRs & FEES:

Intro APR on Purch.:

0% Intro APR for 18 months

Intro APR on Bal. Tr.:

0% Intro APR for 18 months

Ongoing APR:

Variable APR of 13.24%, 17.24% or 21.24% will apply after the Introductory Period

Annual Fee:

None

Balance Transfer Fee:

Either $10 or 4%, whichever is greater, will apply on each balance transfer and credit card check

Foreign Transaction Fee:

0%

Discover it® Cash Back
Compare
APPLY NOW See Details >
CARD DETAILS:

  • 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.
  • Redeem cash back any amount, any time. Rewards never expire.
  • Use your rewards at Amazon.com checkout.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.

APRs & FEES:

Intro APR on Purch.:

0% (14 months)

Intro APR on Bal. Tr.:

0% (14 months)

Ongoing APR:

14.24% - 25.24% Variable

Annual Fee:

$0

Balance Transfer Fee:

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

Foreign Transaction Fee:

None

Citi Simplicity® Card - No Late Fees Ever
Compare
APPLY NOW See Details >
CARD DETAILS:

  • The only card with 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 16.99% - 26.99%, based on your creditworthiness
  • 0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 16.99% - 26.99%, 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
  • There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
  • The same great rate for all balances, after the introductory period
  • Save time when you call with fast, personal help, 24 hours a day – just say “representative”
  • Enjoy the convenience of setting up your own bill payment schedule on any available due date throughout the month

APRs & FEES:

Intro APR on Purch.:

0%* 12 months on Purchases*

Intro APR on Bal. Tr.:

0%* 21 months on Balance Transfers*

Ongoing APR:

16.99% - 26.99%* (Variable)

Annual Fee:

$0*

Balance Transfer Fee:

5% of each balance transfer; $5 minimum.

Foreign Transaction Fee:

3%

Capital One® VentureOne® Rewards Credit Card
Compare
APPLY NOW See Details >
CARD DETAILS:

  • $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; 14.24% - 24.24% 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

APRs & FEES:

Intro APR on Purch.:

0% intro on purchases for 12 months

Intro APR on Bal. Tr.:

N/A

Ongoing APR:

14.24% - 24.24% (Variable)

Annual Fee:

$0

Balance Transfer Fee:

$0

Foreign Transaction Fee:

None

Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard®
Compare
APPLY NOW See Details >
CARD DETAILS:

  • Earn 50,000 American Airlines AAdvantage® bonus miles after $2,500 in purchases within the first 3 months of account opening*
  • Earn 2 AAdvantage® miles for every $1 spent at gas stations*
  • Earn 2 AAdvantage® miles for every $1 spent at restaurants*
  • Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases*
  • Earn a $125 American Airlines Flight Discount after you spend $20,000 or more in purchases during your cardmembership year and renew your card*
  • No Foreign Transaction Fees*
  • First checked bag is free on domestic American Airlines itineraries for you and up to four companions traveling with you on the same reservation*
  • Enjoy preferred boarding on American Airlines flights*
  • Receive 25% savings on inflight food and beverage purchases when you use your card on American Airlines flights*

APRs & FEES:

Intro APR on Purch.:

N/A

Intro APR on Bal. Tr.:

N/A

Ongoing APR:

18.24% - 26.24%* (Variable)

Annual Fee:

$99, waived for first 12 months*

Balance Transfer Fee:

3% of each balance transfer; $5 minimum.

Foreign Transaction Fee:

0%

Citi Premier℠ Card
Compare
APPLY NOW See Details >
CARD DETAILS:

  • Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
  • Earn 3 points per $1 spent on travel including gas stations
  • Earn 2 points per $1 spent at restaurants and on entertainment
  • Earn 1 point per $1 spent on all other purchases
  • 60,000 Points are redeemable for $750 in airfare on any airline, anytime with no blackout dates when booked through the ThankYou® Travel Center, or $600 in gift cards when redeemed at thankyou.com
  • No expiration and no limit to the amount of points you can earn with this card
  • Points Transfer allows you to transfer points to participating airline loyalty programs
  • No Foreign Transaction Fees on purchases

APRs & FEES:

Intro APR on Purch.:

N/A

Intro APR on Bal. Tr.:

N/A

Ongoing APR:

18.24% - 26.24% (Variable)

Annual Fee:

$95

Balance Transfer Fee:

3% of each balance transfer; $5 minimum.

Foreign Transaction Fee:

0%

Capital One® Savor® Cash Rewards Credit Card
Compare
APPLY NOW See Details >
CARD DETAILS:

  • 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.
  • Receive a monthly statement credit for a Postmates Unlimited monthly membership through Dec. 2019 with the Capital One Savor Card
  • 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

APRs & FEES:

Intro APR on Purch.:

N/A

Intro APR on Bal. Tr.:

N/A

Ongoing APR:

16.74% - 25.74% (Variable)

Annual Fee:

$0 intro for first year; $95 after that

Balance Transfer Fee:

$0

Foreign Transaction Fee:

None

Related User Questions:

What card can I apply for with excellent credit?
If your credit score is above 720, then your credit isn’t just good – it’s excellent. The very best credit cards are available to you, including: Cards with VIP perks like concierge service Cards with big sign-on bonuses High-value...
Continue reading
I have an excellent credit score that I've worked hard to earn and maintain. What kinds of cards are available to me, that...
Congratulations on having a sky-high credit score. You must have made all your payments on time, kept your revolving balances low, had your credit cards for a long time, and utilized a mix of types of credit, such as a business loan or mortgage in...
Continue reading
I’m not sure which card should I try to apply for. My score is 723. Can you advise?
Think on how you are going to use the card. Will it be for emergency only or you are going to charge on it all your everyday purchases? Or maybe you are planning to make a big purchase and want to use a credit card for it. Consider fees and APRs, it...
Continue reading
Ask Your 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.


User Comments About Credit Cards For Excellent Credit

You've successfully subscribed!

Please specify the following:All these fields are optional

Your Credit History
Themes you are interested in:

By providing this information you help us make our news letters more useful and informative. Thank you!