Credit Cards for Excellent Credit
With excellent credit, you will qualify for the top credit cards. These top credit cards will have the lowest fees and interest rates and will often come with nice rewards and features. Choosing the best credit card for excellent credit involves understanding how you will use your card. Below are our suggestions for the top credit cards based on reviews, user feedback, rewards, and credit card features. Search All Credit Cards
Featured Cards by Credit Score
Updated: 11/1/2009
EXCELLENT CREDIT SCORE OF 720 OR HIGHER
If you have excellent credit, you're at the top of the heap and the world is your oyster. You're virtually guaranteed approval for the top credit cards. With excellent credit, it's important that you choose a card based on how you use it to save the most money. Below are our favorite credit cards for excellent credit.
Best Rewards Card
Starwood Preferred Guest® Credit Card from American Express
- Earn up to 25,000 Starpoints® - enough for up to 6 free nights at a category 1 or 2 hotel.
- Use Starpoints® 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® - almost always on a 1:1 basis - to the frequent flyer programs of over 30 major airlines
- Earn one Starpoint® for every dollar you spend and double Starpoints® at participating Starwood properties and retail partners
- Express Approval. Get a decision in less than 60 seconds.
Why we recommend it...
The Starwood Preferred Guest Credit Card is often considered the best rewards credit in the market due to its flexible point system. Each dollar spent on the Starwood Preferred Guest card earns 1 Starwood point. Starwood points can be converted to frequent flier miles with over 30 major airlines. Transfer 20,000 Starwood points and get a 5,000 bonus Starwood points, meaning you can accrue miles at a rate of 1.25 miles per dollar spent.
In addition to a low annual fee, this card allows you to accumulate miles faster without being locked into any one particular airline making it in our opinion one of the best rewards card in the market today.
Pros:
- Allows point to miles transfers with over 30 major airlines
- Earn 1.25 points(miles) per dollar spent with bonuses
- No annual point limits
Cons:
- Requires High Credit Score
- Annual Fee in Year Two
Credit Score Approval Data †
Average Credit Score Approved for this Card
Lowest Credit Score Approved for this Card
Best Card for Carrying a Balance
SlateSM from Chase
- Now with BlueprintSM
- 0% intro APR
- Patented Fraud Protection
- Zero Liability on Unauthorized Purchases
- E-mail and text alerts
- No Annual Fee
Why we recommend it...
The Chase Slate Card is a new offering targeting consumers with good credit. The most unique feature of the Chase Slate is the ability for consumers to better manage their finances with Blueprint. The new feature allows cardholders to determine how they want their payments applied. Cardholders can avoid paying interests certain items by paying them off in-full while carrying a balance on items. In addition, Blueprint allows you to set goals and track your spending times over time. Combined with a low interest rate and no annual fee this card is great for people looking to better manage their debt.
Pros:
- Chase Blueprint Feature
- 0% Intro Rate / Low Ongoing Rate
- No Annual Fee
Cons:
- Requires High Credit Score
Credit Score Approval Data †
Average Credit Score Approved for this Card
Lowest Credit Score Approved for this Card
* See the online Provider's credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the "Apply Now" button, you can review the credit card terms and conditions on Provider's website.
† Credit Karma members have received approvals with these credit scores. We hope this information helps you in your selection. Please note because factors including income, length of credit history, and employment status can affect credit card approval, these are only guidelines and approval is not guaranteed.
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