Best Credit Cards From Our Partners For People With Excellent Credit

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Credit Card Applications » Research » Guides » Cardholder Benefits » Top Credit Cards in Autumn 2020 for Those With Excellent Credit

Top Credit Cards in Autumn 2020 for Those With Excellent Credit


Updated: July 29, 2020

The content is accurate at the time of publication and is subject to change.
Credit Card For Excellent Credit

Do you have excellent credit? If so, banks are actively looking to win you as a new credit card customer by offering unprecedented deals. Although banks have been more careful about acquiring customers with questionable credit since the 2008 financial crisis, they are now fighting harder than ever to win coveted customers with great credit. If you are in the excellent credit sweet spot, they are effectively giving you money (and a lot of it!) to use their credit cards. These are the best credit cards for excellent credit that you can take advantage of today:

Best point rewards: Citi Rewards+ Card

The Citi Rewards+ Card is a part of the ThankYou family: the card allows to earn ThankYou Points that can be redeemed at the ThankYou portal for travel, cash rewards, statement credits, gift cards, transferred to partners and more. The card allows to earn unlimited 1 ThankYou® Point per dollar on all purchases and 2x ThankYou® Points at supermarkets and gas stations for the first $6,000 per year (1x Points thereafter). The card also comes with a bonus offer – 15,000 bonus points for spending $1,000 in purchases within 3 months of account opening. The card has no annual fee and comes with a zero introductory period. You will have 15 months of 0% intro APR on purchases and balance transfers. Just remember that when the introductory rate is over, a go-to APR will apply.

Best cash back rewards: Citi® Double Cash Card – 18 month BT offer

The Citi® Double Cash Card – 18 month BT offer features an effective 2% cash back on ALL purchases and a lengthy 0% intro APR on balance transfers. The cash back rewards are the best we’ve seen for a card that offers a fixed cash back percentage on everything you buy. There are two steps to getting the full 2% cash back. Use your card to purchase the items to earn the first 1% cash back. You’ll receive the second 1% cash back after you’ve paid for your purchases for a total of 2% effective cash back. As long as you’re paying the minimum due each month, you can take as long as you want to pay off your balance and get the additional 1% cash back (aka, 2% total effective cash back). In addition to this high cash back percentage, you’ll enjoy generous 18 months of a 0% intro APR on balance transfers (13.99% – 23.99% (Variable) APR and the balance transfer fee is 3% of each balance transfer; $5 minimum). And to top it all off, there’s no annual fee and no caps on the amount cash back rewards you can earn.

Best for balance transfer: Citi® Diamond Preferred® Card

Shopping for a special item for yourself or someone else? This card will let you make big purchases at no interest for 18 months from the date of account opening. When the 0% intro APR is over, your ongoing variable interest rate will be 14.74% - 24.74% (Variable), based on your creditworthiness. Also, the Citi® Diamond Preferred® Card features an incredibly lengthy 18-month 0% introductory APR for balance transfers – the longest intro APR of any card we’ve ever reviewed! And there’s no annual fee. Balance transfer fee applies with this offer 3% of each balance transfer; $5 minimum. This combination makes this card perfect for anyone looking to make a large purchase (or several purchases) or who is interested in transferring balances from other high-interest credit cards to this one. Either way, it’s a smart choice.


TIP: If you’re in the market for a new credit card but don’t think your credit will qualify you for one of these cards, take a look at cards for people with less-than-perfect credit.


Disclaimer: This editorial content is not provided or commissioned by the credit card issuer(s). Opinions expressed here are the author's alone, not those of the credit card issuer(s), and have not been reviewed, approved or otherwise endorsed by the credit card issuer(s). Reasonable efforts are made to present accurate information, however all information is presented without warranty. Consult a card's issuing bank for the terms & conditions.
All rates and fees, and other terms and conditions of the products mentioned in this article/post are actual as of the last update date but are subject to change. See the current products' Terms & Conditions on the issuing banks' websites.
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  • Carlton

    The card I use is Discover miles. Well that’s simple why. I knew that I had to spend a lot in that period, that’s why i choose card with brilliant bonus – 3x rewards are awesome!

  • Thurman

    It is not difficult to get a credit card when you have excellent credit, I started building my credit in college. It’s more difficult to find offers with great rewards…Great advice, thanks!

  • Patrick

    What card is better miles or cash back? I want to get the maximum value from card rewards

    • Dale Ward

      Patrick, if you want to travel – as for me miles are better.Or you can have both! I use travel card with miles for most of my expenses and card with 5% cash back on rotating categories

Recommended Cards for Excellent/Good Credit
For Excellent Credit
For Excellent Credit
The Citi Rewards+SM Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
Apply
The Citi Rewards+SM Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
For Excellent Credit
For Excellent Credit
0% Intro APR on Purchases for 12 months; after that the variable APR will be 12.90% – 22.90% (V), based on your creditworthiness
Apply
0% Intro APR on Purchases for 12 months; after that the variable APR will be 12.90% – 22.90% (V), based on your creditworthiness
For Excellent Credit
For Excellent Credit
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
Apply
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
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