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.
— Recommended for Balance Transfers — Earn a pay-on-time bonus equal to a full month’s interest every time you make six on-time payments in a row.
» 5-20% Cashback Bonus at top retailers through Discover’s exclusive online shopping site
» Up to 1% Cashback on all other purchases automatically
» Intro APR is 0% for 12 months on balance transfers and 0% for 6 months on purchases
*View Discover® Card Rates, Fees, Rewards, and Other Important Information
FICO Req’d
Intro
Regular APR
Fee
Good
0% for 12 Mos. BT
as low as 11.99%
None
Read a full review of this card
— The Platinum Card has it all: access to airport lounges, a 24-hour concierge, and world-class rewards.
- Earn 25,000 Membership Rewards® bonus points when you spend $1,000 in 3 months – Redeemable for one domestic round-trip airline ticket!
- Treat Yourself: 24-hour access to Concierge service for the finest experiences in dining, entertainment, and luxury
- The Membership Rewards First® program – Enjoy exclusive access to rewards and experiences featuring luxury retail, lifestyle, and world-class travel
FICO Req’d
Intro
Regular APR
Fee
Disclaimer: This content is not provided or commissioned by American Express. Opinions expressed here are author’s alone, not those of American Express, and have not been reviewed, approved or otherwise endorsed by American Express. This site may be compensated through the American Express Affiliate Program.
— Perenially rated one of the best travel/hotel rewards credit cards.
- Earn up to 25,000 Starpoints (R) – enough for up to 6 free nights at a category 1 or 2 hotel.
- Use Starpoints(R) for free nights and upgrades at participating Starwood hotels and resorts in 95 countries including Sheraton, W Hotels, Westin and more with no blackout dates
- No annual fee for the first year and $45 thereafter
- Transfer Starpoints(R) – almost always on a 1:1 basis – to the frequent flyer programs of over 30 major airlines
- Earn one Starpoint(R) for every dollar you spend and double Starpoints(R) at participating Starwood properties and retail partners
- Express Approval. Get a decision in less than 60 seconds.
- Smarter Travel Editor’s Choice Award for Best Travel Awards Card for Domestic Use
FICO Req’d
Intro
Regular APR
Fee
Excellent
2.90% 6 mos.**
15.24% Variable
1st yr free/$45
**Intro Rate: 2.90% on Purchases and Balance Transfers for 6 months.
Disclaimer: This content is not provided or commissioned by American Express. Opinions expressed here are author’s alone, not those of American Express, and have not been reviewed, approved or otherwise endorsed by American Express. This site may be compensated through the American Express Affiliate Program.
— Recommended: Advanced Travel Rewards — The Escape® by Discover® Card is new for 2009 and a great new alternative to existing miles rewards cards because it lets you earn unlimited double miles with every purchase!
» 25,000 Bonus Miles – Earn 1,000 Miles each month you make a purchase for the first 25 months
» 2 Miles per $1 on all purchases
» No limit on the Miles you earn and Miles don’t expire*
» Fly on any airline, book any hotel or car, with no blackout dates
» Use Miles for travel, merchandise, gift cards or cash
» 0% intro APR on purchases and balance transfers for 6 months than the regular APR
» Industry Leading Customer Service
» Enhanced travel benefits like Travel Delay Insurance and Trip Cancellation Insurance
*View Discover® Card Rates, Fees, Rewards, and Other Important Information
FICO Req’d
Intro
Regular APR
Fee
Good
0%/6 Mos*
as low as 10.99%
$60
Read a full review of this card
— America’s leading airline rewards card. In addition to the benefits listed below, now cardmembers and travel companions get their first checked bag for free.
- Earn 20,000 bonus SkyMiles® (including 5,000 Medallion Qualification Miles) after first purchase and another 2,500 for adding an Additional Cardmember
- Earn one companion Coach Class ticket each year upon renewal
- Miles never expire and there is no cap on the miles you can earn
- Pay with Miles: Pay for all or part of your flight with miles — and put the rest on your Card
- Express Approval. Get a decision in less than 60 seconds.
FICO Req’d
Intro
Regular APR
Fee
Excellent
N/A
14.50% Variable
$150
Disclaimer: This content is not provided or commissioned by American Express. Opinions expressed here are author’s alone, not those of American Express, and have not been reviewed, approved or otherwise endorsed by American Express. This site may be compensated through the American Express Affiliate Program.
