Credit Cards for Excellent Credit

Credit Karma Recommended Credit Cards Finding the best credit card can be a difficult task. At Credit Karma, we compare credit cards across dozens of credit card companies to give you the most up to date reviews and recommendations. Our featured credit cards have been declared the best credit cards based on user feedback, credit card interest rates, card benefits, and the way you plan to use the card. As a unique benefit, we also provide user feedback on credit score requirements and credit card limits. All of the reviews are free and you can apply online instantly. Search All Credit Cards

Featured Cards by Credit Score:

Updated: 3/1/2010

Excellent Credit Score (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.

Starwood Preferred Guest® Credit Card from American Express

Best Rewards Card

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Starwood Preferred Guest® Credit Card from American Express Credit Card
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  • 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.
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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 †

755

Average Credit Score Approved for this Card

685

Lowest Credit Score Approved for this Card

SlateSM from Chase

Best Card for Carrying a Balance

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Slate<sup>SM</sup> from Chase Credit Card
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  • 0% Intro APR for up to 12 months*
  • No Annual Fee
  • Pay down balances on your terms with BlueprintSM
  • Zero Liability on unauthorized purchases
  • E-mail and text alerts
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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 BlueprintSM Feature
  • 0% Intro Rate / Low Ongoing Rate
  • No Annual Fee

Cons:

  • Requires Excellent Credit Score
Credit Score Approval Data †

714

Average Credit Score Approved for this Card

674

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. These approval metrics are only guidelines and approval is not guaranteed. You can learn more about credit card approval through our in-depth article.

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