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Excellent Credit Credit Cards

Reviews and opinions of the best credit cards for applicants with excellent credit histories. These cards feature the lowest rates, highest credit limits, and best perks, but are highly selective.

Capital One® Cash Rewards – $100 Cash Back Bonus

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Editor’s Rating

  • $100 Bonus after you spend $500 in the first 3 months
  • 50% bonus on the cash back you earn every year
  • 1% cash back on all purchases
  • No annual fee
  • Earn unlimited cash back that doesn’t expire
  • Redeem cash back anytime for any amount, even set automatic redemptions
  • Personalize your card with an image of your choice
  • 0% intro APR on purchases and balance transfers until June 2013.
Intro APR Intro Period Regular APR Annual Fee Credit Needed
0% on purchases and balance transfers Until June 2013 12.9% – 20.9% (V) $0 Excellent Credit

Blue Cash EverydaySM Card from American Express

Blue Cash Everyday from American Express

Editor’s Rating — — The Blue Cash EverydaySM Card from American Express provides powerful cash rewards; the more you spend, the more cash back you can earn.

  • Earn $100 cash back after spending $1,000 in eligible purchases in the first 3 months of Cardmembership
  • 0% intro APR on purchases for 12 months, flexibility to pay over time
  • Get 3% cash back at supermarkets, 2% cash back at gas stations and department stores, and 1% cash back on all other purchases
  • No spend minimum, No enrollment, and No rotating rewards categories
  • Get a $25 Referral Bonus for each friend or family member who is approved for the Card
  • No annual fee, flexibility to pay over time
Intro APR Intro Period Regular APR Annual Fee Credit Needed
0% on purchases 12 months 17.24%-22.24% Variable $0 Excellent Credit

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Chase Sapphire PreferredSM Card

Editor’s Rating:

  • Earn 40,000 bonus points after you spend $3,000 in the first 3 months – that’s $500 toward travel rewards!
  • 2 points per dollar spent on travel and at restaurants & 1 point per dollar spent on all other purchases.
  • Get 20% off airfare, hotels, car rentals and cruises when you book through Ultimate Rewards(SM)
  • No foreign transaction fees
  • Receive a 7% annual dividend on all new poinst earned – even on points already redeemed
  • 1:1 point transfer to participating frequent travel programs
  • Direct access to expert service advisors anytime
  • No Annual Fee for your first year – A $95 value
Intro APR Intro Period Regular APR Annual Fee Credit Needed
N/A N/A 15.24% (V) $95 Annual Fee, Waived First Year Excellent Credit

Capital One® VentureSM Rewards Credit Card

Capital One(R) VentureSM Rewards Credit Card

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Editor’s Rating –

  • 2 miles per dollar on every purchase, every day
  • Money® Magazine’s “”Most Rewarding Card if you crave free airline flights”" – Money Magazine, May 2011
  • Earn 10,000 bonus miles when you spend $1,000 within the first 3 months, equal to $100 in travel
  • Redeem your miles for any travel expense
  • No limit on the miles you can earn and miles don’t expire
  • Fly on any airline, any time with no blackout dates
  • No foreign transaction fees
  • $0 intro annual fee for the first year; $59 after that
Intro APR Intro Period Regular APR Annual Fee Credit Needed
N/A N/A 13.9% – 20.9% (V) $0 intro for first year; $59 after that Excellent Credit

Simmons First Visa Platinum

Simmons First Visa Platinum

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Editor’s Rating — — Lowest regular APR for applicants with excellent credit!

  • Excellent Credit Required – Applicants that do not have excellent credit will not be approved
  • Low 7.25% variable standard purchase APR and platinum benefits
  • No balance transfer fee for balances transferred in response to this online offer
  • No Annual Fee
Intro APR Intro Period Regular APR Annual Fee Credit Needed
N/A N/A 7.25% (V) $0 Excellent Credit

American Express® Premier Rewards Gold Card

American Express® Premier Rewards Gold Card

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— The American Express® Premier Rewards Gold Card still reigns as the world’s most exclusive card. Enjoy the flexibility of paying in full each month and never paying finance charges or selecting certain charges to pay over time.

  • Membership Rewards(R) bonus: 25K points, redeemable for select gift cards valued at $250, when you spend $2,000 in your first three months of card membership.
  • Membership Rewards(R) points multiply fast! Earn 3X points on airfare, 2X points on gas and groceries, 1X points on everything else.
  • Exclusive access to Gold Card Destinations and events – Enjoy special travel packages and amenities at hotels worldwide, as well as select concerts, shows, major sporting events, and more, nationwide.
  • Introductory annual fee of $0 for the first year, then $175.
  • Get a decision in as little as 60 seconds.
Intro APR Intro Period Regular APR Annual Fee Credit Needed
N/A N/A N/A $0 1st year, then $175 Excellent Credit