When trying to maintain an excellent credit score, it’s extremely helpful to have an exemplary card to match. Having excellent credit means that you get to choose from highly sought-after credit cards with valuable features and rewards.
However, with so many options to choose from, it can be a challenge to find the card that suits you best.
If you’re searching for the best credit card for individuals with excellent credit – we’ve compiled this guide to help you out!
14 Best Credit Cards For Excellent Credit
1. Chase Sapphire Preferred® Card
With Chase’s Sapphire Preferred® card, you have the opportunity to earn $750 towards travel in your first three months. As such, the Sapphire Preferred Card is perfect for those who are always on the move.
This card works on a reward system, so you’ll earn a certain number of points for each dollar you spend. For example, you’ll gain two points for every dollar that goes toward your travel purchases!
You can then redeem your points for any available reward options, such as cash or gift cards.
2. Blue Cash Preferred® Card from American Express
The Blue Cash Preferred® Card is great for those who have excellent credit. With it, you’ll receive $250 back when you spend $3,000 within the first six months. Other amazing features include a 6% cash back on groceries and 3% on transit.
This card is best for families. If you have excellent credit and a couple of kiddies to look after, make sure to consider this as a top option!
3. Capital One SavorOne Cash Rewards Credit Card
- Best for Multiple Benefits
Capital One’s SavorOne Cash Rewards card features some great benefits and rewards and is an excellent choice for improving or maintaining your credit score.
This card has a generous welcome bonus, offering $200 when you make $500 in purchases in the first three months.
Another perk is that you’ll earn 10% cash back on all Uber apps, plus a complimentary temporary Uber membership.
4. Chase Freedom Unlimited®
- Best for Cash Back Opportunities
With this card, you have the potential to earn up to $800 back in your first year – making it an ideal choice if you’re looking to maximize earnings.
Additionally, the Chase Freedom Unlimited card has no annual fees, and your cash-back rewards will never expire!
5. Wells Fargo Active Cash® Card
- Best for Frequent Rewards
The Wells Fargo Active Cash Card has won several awards for its high quality and popularity among people with excellent credit – not to mention its plethora of amazing features.
With it, you’ll earn unlimited 2% cash rewards on purchases and receive a $200 cash bonus when you spend $1,000 on purchases within the first three months.
The Active Cash Card from Wells Fargo also features cell phone protection when you pay your phone bills with it, as well as hotel partnerships!
6. Chase Sapphire Reserve®
In a step up from Chase’s Sapphire Preferred Card, the Sapphire Reserve offers the opportunity to earn up to $900 towards travel in your first year. Points are worth more with this card, so you’ll get more cashback as well.
This card gives you 50% more in travel redemption, meaning 60,000 points add up to $900 towards travel. If you’re always on the go and love using your card, consider signing up for this one!
7. The Platinum Card® from American Express
- Best for Racking up Points with Amex
This card allows you to earn more points than any other card in the American Express range. And if that’s not enough, you’ll also receive $200 a year to spend on travel either for yourself or for anyone else you choose.
The Platinum Card partners with many different businesses, so you’ll receive benefits from Walmart, Uber, and certain airlines (and even gain access to airport lounges!).
At participating restaurants, this card will earn you $150 back when you spend $150 or more in one transaction. This offer is valid twice each year.
8. BankAmericard® Credit Card
- Best for Minimizing Fees and Penalty APR
The BankAmericard credit card has no annual fee, making it great for saving on interest or trying to pay off debts. It’s also a perfect choice for people who want to maintain their excellent credit.
Additionally, you’ll benefit from a 0% intro APR for 21 billing cycles for transfers made within the first 60 days after opening your account.
9. Wells Fargo Reflect® Card
- Best Option for Long Intro Periods
With the Wells Fargo Reflect® Card, your good spending habits are rewarded with a potential 21-month 0% intro APR.
You’ll automatically receive a starting 18-month 0% intro APR and stand to earn three additional months by making your monthly minimum payment in the first 18 months.
Because of its long intro period, this card is great for paying off debt or covering a large purchase.
10. Discover it® Cash Back
- Best for Maximizing Cash Backs
This card will match all the cash back you earn in your first year. This means that if you earn $150 cash back in a year, you’ll get $300 back! As such, Discover it® is an excellent choice for maximizing cash earnings.
Other perks that come with this card include a 5% cash back on everyday purchases, as well as a 15-month, 0% intro APR.
11. Citi® Double Cash Card
- Best for Earning Unlimited Cash Backs
With this card, you’ll earn 1% cash back on all purchases and 1% when you pay off your purchases – both with no annual fees.
The Citi® Double Cash Card also has great bonuses and features and promising security measures, making it a great choice for your peace of mind.
With its high reward rates, this card will allow you to do the things you love while maintaining your excellent credit score.
12. Capital One VentureOne Rewards Credit Card
If you’re someone who likes to travel a lot, definitely consider the CapitalOne VentureOne Rewards Credit Card with zero annual fees.
Additionally, if you spend $500 in the first three months after opening your account, you’ll stand to earn 20,000 bonus miles!
13. Citi Rewards+® Card
For those with excellent credit scores and who aren’t big spenders, the Citi Rewards+ Card helps maximize earned points! Courtesy of its unique feature, the points you earn will round up to the nearest 10 points.
Aside from this, you’ll also get 10% of those points back when you redeem the points you earn with your Rewards+ card. Talk about multiple bonuses!
14. American Express® Gold Card
The American Express Gold Card is great if you’re someone who loves food, as it includes numerous restaurant benefits. One of these standout perks is the ability to gain 4x points when spending at restaurants!
With this card, you’ll also earn 60,000 points if you spend $4,000 on purchases within your first 6 months.
How To Choose The Best Credit Card For Excellent Credit
Every credit card is different because everyone has a different spending style. The best way to make sure that you’re choosing the best card for excellent credit is to find the one that perfectly suits you and your spending habits.
There are also many features that can make or break an excellent credit card.
Most of these features have been mentioned in the card descriptions above, and they include:
- What rewards a card offers
- Whether there’s a 0% intro APR, and how long it is
- What welcome bonuses you might receive
How To Keep An Excellent Credit Score
If you’ve achieved an excellent credit score, you already have a good idea of how to spend responsibly.
Here are a few more ways to maintain an excellent credit score that you might not have considered:
- Pay bills and payments on time. Don’t let things slide now that you’re at the top! Make sure you stay on top of your bills by setting up auto-payments or keeping a calendar with reminders.
- Keep an eye on your credit score. Check your score every now and then to make sure it’s staying put. If going to your financial institution is a hassle, there are plenty of apps that you can download to do this.
- Don’t max out your cards. This will reflect badly on your credit score. Keep track of your purchases and don’t overdo things.
- Keep your old cards open, especially your oldest credit account. Keeping this open will build credit over time, so don’t close it unless you have a very good reason to do so!
- Keep spending. Building credit does mean that you need to make purchases and transactions regularly. This doesn’t mean going on shopping sprees every weekend; everyday things like buying gas and groceries will still build towards your credit score.
Pros And Cons
Pros
- Highly advantageous rewards and points
- Valuable benefits awarded by partnered companies
- Convenience in everyday and travel-related expenses
- Lucrative welcome bonuses.
Cons
- Easy to lose your excellent credit if you don’t monitor your spending
- Temptation of spending too much can be great
- Annual fees on certain cards mean that the deal might not be as great as it looks at first glance
- Creates a potential target for scammers, so you’ll need to be extra aware and alert.
Frequently Asked Questions
How Long Does It Take To Build Excellent Credit?
Establishing a credit score that is in the good-to-excellent range can take a different amount of time for everyone, but on average it will take at least six months.
This will give you time to demonstrate your good spending habits to lenders.
What Benefits Come with an Excellent-Credit Credit Card?
The best thing about owning an excellent credit card is the many benefits that come with it.
These perks include rewards and reward points, cash back on purchases made with partnered companies, and discounted introductory periods.
What Is the Difference Between Good and Excellent Credit?
The difference between good and excellent credit depends on how high your credit score is.
Your credit score is a number between 300 and 850. To have good credit, your score should be between 670 and 799, while excellent credit usually means anything from 800 upwards.
What Is the Hardest Credit Card to Get?
The most difficult credit card to get is the American Express Centurion “Black” card.
This card is only for the very rich and famous and is accessible by invitation only; you can’t apply for it on your own accord.
As expected of such an elite card, the Centurion credit card offers plenty of rewards, privileges, and benefits, as well as free upgrades across many hotels and airports.
Are Credit Cards For Excellent Credit Worth It?
With multiple exciting features and the potential for amazing rewards, excellent credit cards are very helpful and valuable to own.
Of course, every card has disadvantages as well as advantages and you’ll need to do research into what card will suit you best. However, you’re sure to find what you’re looking for in the cards listed above!
It’s definitely worth investing in a credit card for excellent credit. When you have exemplary credit, you’ll have your choice of fantastic cards that’ll provide you with lucrative bonuses, ease of use, and convenience.
After all, your hard work to build up excellent credit deserves to be rewarded with correspondingly awesome benefits!