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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.

Discover it® – 14 Months

The Discover it credit card features 0% intro apr, cash rewards, and fair terms.

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Editor’s Rating — — The new Discover it card is out to change the way people think about credit cards. “It” is:

  • The new Discover it card is out to change the way people think about credit cards.
  • Fair…No annual fee. No overlimit fee. No foreign transaction fee & no pay-by-phone fee. No late fee on your first late payment. And we won’t increase your APR for paying late.*
  • Generous…5% Cashback Bonus on up to $1,500 in purchases at Home Improvement Stores now through June with free and easy sign-up. And 1% cash back on all other purchases.*
  • Plus a Cashback ConcerigeSM who guides a free, personalized online tour to help you get the most rewards for how you use your card.
  • Flexible…Choose your own due date and pay up to midnight ET online or by phone.
  • Human…talk to a real person any time with 100% U.S.-based service.
  • Safe…Because you’ll never pay for unauthorized purchases with our $0 Fraud Liability Guarantee.
  • 0% Intro APR* on purchases and balance transfers for 14 months. Then the variable purchase APR applies, currently
    10.99% – 22.99%. *Click apply for Terms & Conditions.
Intro APR Intro Period Regular APR Annual Fee Credit Needed
0% on purchases and balance transfers 14 months 10.99% – 22.99%* Variable $0 Excellent Credit

BankAmericard® Better Balance Rewards™ Credit Card

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Editor’s Rating

  • No annual fee.
  • Earn $25 per quarter when you pay more than the monthly minimum and on time each month in the calendar quarter. That’s up to $100 in cash rewards per year with the card.
  • Rewards are automatically credited to your card balance or you can choose to deposit them into your savings or checking account.
  • Competitive Introductory APR offer
  • Get 24/7 access online or over the phone to manage your account.
  • Get an extra $5 bonus for a total of $30 per quarter when you have at least one other qualifying account with us. That’s up to $120 in cash rewards per year
Intro APR Intro Period Regular APR Annual Fee Credit Needed
0% on purchases and qualifying balance transfers 12 billing cycles 11.99% – 21.99% Variable on purchases $0* Excellent Credit

See Terms and Conditions accompanying application for additional offer details.

Citi Simplicity® Card

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Editor’s Rating: — Editor’s Pick, Best card for balance transfers or if you occasionally carry a balance.

  • 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 12.99% – 21.99% based on your creditworthiness.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • No late fees – EVER
  • No penalty rate – EVER
  • No annual fee – EVER
  • Save time when you call with fast, personal help, 24 hours a day.
Intro APR Intro Period Regular APR Annual Fee Credit Needed
0% on purchases and balance transfers 18 months 12.99% – 21.99% (Variable) $0 Good Credit

More about this card

Citi Thank You® Card

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Editor’s Rating: — With Chip technology, a great choice for international travel

  • Enjoy 0% Intro APR on Balance Transfers and Purchases for 15 months. After that, the variable APR will be 12.99% – 22.99% based upon your creditworthiness*
  • Earn 1 ThankYou Point for every $1 you spend on purchases.
  • Enjoy no limit on the number of points you can earn
  • Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more
  • Travel with ease and enjoy global acceptance with Chip Technology
  • No annual fee*
Intro APR Intro Period Regular APR Annual Fee Credit Needed
0% on purchases and balance transfers 15 months 12.99% – 22.99% (Variable) $0 Excellent Credit

More about this card

Capital One® Cash Rewards – $100 Cash Back Bonus

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Editor’s Rating

  • $100 bonus after you spend $500 on purchases within 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 until May 2014 on balance transfers
  • 0% intro APR until May 2014 on purchases
Intro APR Intro Period Regular APR Annual Fee Credit Needed
0% on purchases and balance transfers until May 2014 12.9% – 20.9% (V) $0 Excellent Credit

Discover it® – 18 Months

The Discover it credit card features 0% intro apr, cash rewards, and fair terms.

Apply Now

Editor’s Rating — — The new Discover it card is out to change the way people think about credit cards. “It” is:

  • The new Discover it card is out to change the way people think about credit cards.
  • Fair-No annual fee. No overlimit fee. No foreign transaction fee & no pay-by-phone fee. No late fee on your first late payment. And we won’t increase your APR for paying late.*
  • Generous-5% cash back at Home Improvement Stores now through June on up to $1,500 in purchases with free and easy sign-up. And 1% cash back on all other purchases.*
  • Plus a Cashback ConcerigeSM who guides a free, personalized online tour to help you get the most rewards for how you use your card.
  • Flexible-Choose your own due date and pay up to midnight ET online or by phone.
  • Human-talk to a real person any time with 100% U.S.-based service.
  • 0% Intro APR on balance transfers for 18 months. Then the variable purchase APR applies, currently 10.99% – 22.99%.*
  • 0% Intro APR on purchases for 6 months. Then the variable purchase APR applies, currently 10.99% – 22.99%. *Click apply for Terms & Conditions.
Intro APR Intro Period Regular APR Annual Fee Credit Needed
0% 6 months for purchases, 18 months for balance transfers 10.99% – 22.99%* Variable $0 Excellent Credit