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January 2021: Best Credit Cards for
excellent credit history FROM
OUR PARTNERS
What is excellent credit? It's when your spotless credit history with 750† and higher credit scores has made you eligible for the very best credit card deals out there, e.g. high limit credit cards for excellent credit. 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.
Special Offer for Excellent Credit
BEST CHOICE OF January 2021
- The Citi Rewards+℠ 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 13.49% - 23.49%, based on your creditworthiness. Balance transfer fee — either $5 or 3% of the amount of each transfer, whichever is greater.
More Loans & Credit Card Offers for Excellent Credit
Having excellent credit is like winning the jackpot: you can get access to credit cards for a 750+† credit score and all possible credit card perks. You can treat yourself to the best high end credit cards, credit cards 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.
Show moreour choice
- Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
- NEW! Earn 3 Points at Restaurants and Supermarkets
- Earn 3 Points at Gas Stations, Air Travel and Hotels
- Earn 1 Point per $1 spent on all other purchases
- NEW! Annual Hotel Savings Benefit
- 60,000 Points are redeemable for $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
- No Foreign Transaction Fees on purchases
our choice
our choice
- INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
- Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate.
- Plus, earn unlimited 1% cash back on all other purchases - automatically.
- Redeem cash back in any amount, any time. Rewards never expire.
- Use your rewards at Amazon.com checkout.
- #1 Most Trusted Credit Card according to Investor’s Business Daily.
- No annual fee.
- Discover is accepted nationwide by 99% of the places that take credit cards.
our choice
our choice
- INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
- Earn cash back on your next road trip with 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.
- Redeem your cash back for any amount, any time. Cash rewards never expire.
- 100% U.S. Based Customer Service available any time.
- 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.
- No annual fee.
- Discover is accepted nationwide by 99% of the places that take credit cards.
our choice
our choice
- 0% Intro APR for 18 months on purchases from date of account opening and 0% Intro APR for 18 months on balance transfers from date of first transfer. After that the variable APR will be 14.74% - 24.74%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
- There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater
- Get free access to your FICO® Score online.
- With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
- Shop with confidence knowing that you have dependable protection benefits, including $0 Liability on Unauthorized Purchases and Citi® Identity Theft Solutions.
- The standard variable APR for Citi Flex Plan is 14.74% - 24.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
our choice
our choice
- UNLIMITED BONUS: Only Discover will automatically match all the Miles you’ve earned at the end of your first year. For example, if you earn 35,000 Miles, you get 70,000 Miles. There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.
- Earn unlimited 1.5x Miles for every dollar spent on all purchases - with no annual fee.
- Turn Miles into cash in any amount, any time. Or redeem as a statement credit for travel purchases like airfare, hotels, rideshares, gas stations, restaurants and more with no blackout dates. However you redeem, Miles keep the same value. And Miles never expire.
- New! Redeem Miles for cash in any amount to pay your bill, including your minimum payment.
- No Blackout Dates. Simply pay for travel purchases like airlines, hotels, rental cars, and more with your Discover it® Miles card.
- Discover is accepted nationwide by 99% of the places that take credit cards.
- 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.
our choice
our choice
- 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 and 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
- The standard variable APR for Citi Flex Plan is 15.99% - 24.99%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
our choice
our choice
- Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
- To earn cash back, pay at least the minimum due on time.
- Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.99% – 23.99%, based on your creditworthiness.
- Balance Transfers do not earn cash back.
- If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
- There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
- The standard variable APR for Citi Flex Plan is 13.99% – 23.99% based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
our choice
our choice
- Designed for businesses
- Earn 65,000 American Airlines AAdvantage® bonus miles after spending $4,000 in purchases within the first 4 months of account opening.
- First checked bag is free on domestic American Airlines itineraries to reduce travel costs and boost your bottom line.
- 25% savings on American Airlines inflight Wi-Fi when you use your card
- Enjoy preferred boarding on American Airlines flights
- Earn 2 AAdvantage® miles per $1 spent on eligible American Airlines purchases
- Earn 2 AAdvantage® miles per $1 spent on purchases at telecommunications merchants, cable and satellite providers, car rental merchants and at gas stations.
- Earn 1 AAdvantage® mile per $1 spent on other purchases
- No Foreign Transaction Fees
our choice
Discover it® Cash Back
GREAT CASH BACK OFFER
of January 2021
- Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate.
HAVE DIFFERENT CREDIT HISTORY?
See offers for your credit:
questionsABOUT
CREDIT CARDS
What card can I apply for with excellent credit?
If your credit score is above 750†, then your credit isn't just good - it's excellent. The very best credit cards for more than 750† credit score are available to you, including: Cards with VIP perks...
Read moreI have an excellent credit score that I've worked hard to earn and maintain. What kinds of cards are available to me, that reflect my great credit?
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...
Read moreWhat is the best credit card for 750 credit?
Having a more than 750† credit score means that you have excellent credit. Congratulations, you have done a great job! Now you can choose from the best credit cards. We can recommend you look through top rewards...
Read moreLots 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. And you do not need to go far, since the best credit cards for a 750† credit score and higher are already collected above on this page. 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. In this case, you can safely expect that in the future it will not be difficult for you to get approved for credit cards with high limits for excellent credit.
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EXCELLENT CREDIT CARDS
† Credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any credit card product. Credit-Land.com uses a FICO® Score, which is one of many different types of credit scores. A creditor may use a different score when deciding whether to approve you for credit.