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Credit Card Offers for Excellent Credit

The following credit cards are for people with excellent credit. Compare offers side by side and see the different perks, benefits and rewards of each card and apply here for the card that you feel is the best fit for you. Some of these cards offer a promotional interest-free period for balance transfers and/or purchases. Many have no annual fee and some offer ongoing low interest rates. Applying here for the credit card of your choice is simple and secure.
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Best Credit Cards from Credit-Land.com Credit Recommended: Excellent / Good

PURCHASES:

Intro APR on Purchases: 0% (21 months)
Regular APR: See Site

BALANCE TRANSFERS:

Intro APR on Balance Transfers: 0% (21 months)
Regular APR: See Site
Balance Transfer Fee: See Site

FEES:

Annual Fee: $0
Application Processing Fee: See Site
Intro APR on Purchases: 0% (21 months)
Regular APR: See Site
Intro APR on Balance Transfers: 0% (21 months)
Regular APR: See Site
Balance Transfer Fee: See Site
Annual Fee: $0
Application Processing Fee: See Site

Best Credit Cards from Credit-Land.com Credit Recommended: Excellent / Good

Card details:

0% Intro APR.No Annual Fee.Great Rewards Programs.

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Credit One Bank® Cash Back Rewards Credit Card Credit Recommended: Good

PURCHASES:

Intro APR on Purchases: N/A
Regular APR: 16.99% - 24.99% Variable

BALANCE TRANSFERS:

Intro APR on Balance Transfers: N/A
Regular APR: N/A
Balance Transfer Fee: N/A

FEES:

Annual Fee: $0 - $99
Application Processing Fee: See terms
Intro APR on Purchases: N/A
Regular APR: 16.99% - 24.99% Variable
Intro APR on Balance Transfers: N/A
Regular APR: N/A
Balance Transfer Fee: N/A
Annual Fee: $0 - $99
Application Processing Fee: See terms

Credit One Bank® Cash Back Rewards Credit Card Credit Recommended: Good

Card details:

Zero fraud liability protects you from unauthorized chargesManage your account on-the-go with the Credit One Bank mobile appAll purchases automatically get you 1% cash back if you qualify, terms apply Show More
Includes travel accident and auto rental collision insurance from Visa®Track your progress with free online access to your credit scoreCustomize your card with a premium card design, a fee may applyEmail or text alerts to remind you when your payment is due
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JetBlue Plus Card Credit Recommended: Excellent

PURCHASES:

Intro APR on Purchases: N/A
Regular APR: 12.99%, 20.99% or 25.99% variable

BALANCE TRANSFERS:

Intro APR on Balance Transfers: 0% introductory APR (First 12 billing cycles following each balance transfer that posts to account within 45 days of account opening)
Regular APR: 12.99%, 20.99% or 25.99% variable
Balance Transfer Fee: The greater of $5 or 3% of the transfer

FEES:

Annual Fee: $99
Application Processing Fee: See terms
Intro APR on Purchases: N/A
Regular APR: 12.99%, 20.99% or 25.99% variable
Intro APR on Balance Transfers: 0% introductory APR (First 12 billing cycles following each balance transfer that posts to account within 45 days of account opening)
Regular APR: 12.99%, 20.99% or 25.99% variable
Balance Transfer Fee: The greater of $5 or 3% of the transfer
Annual Fee: $99
Application Processing Fee: See terms

JetBlue Plus Card Credit Recommended: Excellent

Card details:

Earn 30,000 bonus points after you spend $1,000 on purchases within the first 90 daysEarn 6 points per $1 on JetBlue purchases, 2 points per $1 at restaurants and grocery stores and 1 point per $1 on all other purchasesNo blackout dates on JetBlue-operated flights & redeem for any seat, any time on JetBlue-operated flights. Points required for an Award Flight will vary based on the published base fare at the time of booking Show More
Points awarded in your TrueBlue account don't expire.Earn and share points together with Family PoolingEarn 5,000 bonus points every year after your account anniversary50% savings on eligible inflight purchases like cocktails and food & the primary cardmember's first checked bag is free on JetBlue-operated flightsEnjoy TrueBlue Mosaic benefits for one year after you spend $50,000 or more on purchases each calendar year with your cardEnjoy a $100 statement credit after purchasing a JetBlue Vacations package of $100 or more with your JetBlue Plus Card
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JetBlue Card Credit Recommended: Excellent/Good

PURCHASES:

Intro APR on Purchases: N/A
Regular APR: 12.99%, 20.99% or 25.99% variable

BALANCE TRANSFERS:

Intro APR on Balance Transfers: 0% introductory APR (First 12 billing cycles following each balance transfer that posts to account within 45 days of account opening)
Regular APR: 12.99%, 20.99% or 25.99% variable
Balance Transfer Fee: The greater of $5 or 3% of the transfer

FEES:

Annual Fee: $0
Application Processing Fee: See terms
Intro APR on Purchases: N/A
Regular APR: 12.99%, 20.99% or 25.99% variable
Intro APR on Balance Transfers: 0% introductory APR (First 12 billing cycles following each balance transfer that posts to account within 45 days of account opening)
Regular APR: 12.99%, 20.99% or 25.99% variable
Balance Transfer Fee: The greater of $5 or 3% of the transfer
Annual Fee: $0
Application Processing Fee: See terms

JetBlue Card Credit Recommended: Excellent/Good

Card details:

Earn 10,000 bonus points after spending $1,000 on purchases in the first 90 daysEarn 3 points per $1 spent on JetBlue purchases, 2 points per $1 at restaurants and grocery stores and 1 point per $1 on all other purchasesNo blackout dates on JetBlue-operated flights & redeem for any seat, any time on JetBlue-operated flights. Points required for an Award Flight will vary based on the published base fare at the time of booking Show More
Points awarded in your TrueBlue account don't expireEarn and share points together with Family Pooling50% savings on eligible inflight purchases like cocktails and food on JetBlue-operated flightsNo foreign transaction feesChip technology & $0 Fraud Liability protection
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Credit One Bank® NASCAR® Visa® Credit Card Credit Recommended: Good/Excellent

PURCHASES:

Intro APR on Purchases: N/A
Regular APR: 17.40% - 24.90% Variable

BALANCE TRANSFERS:

Intro APR on Balance Transfers: N/A
Regular APR: N/A
Balance Transfer Fee: N/A

FEES:

Annual Fee: $0 - $99
Application Processing Fee: See terms
Intro APR on Purchases: N/A
Regular APR: 17.40% - 24.90% Variable
Intro APR on Balance Transfers: N/A
Regular APR: N/A
Balance Transfer Fee: N/A
Annual Fee: $0 - $99
Application Processing Fee: See terms

Credit One Bank® NASCAR® Visa® Credit Card Credit Recommended: Good/Excellent

Card details:

Receive 1% cash back on eligible purchases and double cash back at the NASCAR.com Superstore. Terms apply.$0 Fraud Liability protects you from unauthorized chargesEmail or text alerts to remind you when your payment is due Show More
Choose your monthly payment due date for added convenience, terms applyAccounts are automatically reviewed for credit line increases, a fee may applyGet free access to your credit score online
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Excellent Credit Rewards You For All Your Hard Work

When you have a top-notch credit, you have an opportunity to receive some of the best deals when it comes to credit cards. The offers will literally be pouring in, as card companies want to have a cardholder with your kind of credit history. People with exceptional credit have the option of choosing between many types of cards, but the best thing about these credit cards are the benefits that come along with them. Think of these benefits as a "way to go" for maintaining a superb credit rating.

Also, you have the opportunity to choose a reward program. You can opt for airline incentives, cash back rewards or bonus point reward programs.

Lastly, when you apply for a prime credit card and are approved, you have the opportunity to enjoy a card that carries no fees in most cases. Usually, you will not have to worry about high annual fees, fees for extra cards, or other usage fees that may apply. This is all thanks to your hard work at keeping your credit rating excellent.

Not sure which card to choose?

Ask your question to our experts: explain your financial situation and you'll get personal financial consultation by email.

Frequently Asked Questions:

What is considered excellent credit?

There are different credit scores and formulas to calculate a credit score but most credit card issuers use FICO credit scores that are provided by Experian, TransUnion, and Equifax. According to FICO score range, your credit is excellent when you have FICO score that is between 750 and 850.

What are the best credit cards for people with excellent credit?

There is no universal credit card that will be good for all people with excellent credit. We are all different as well as our needs and requirements. We recommend you to answer a couple of questions before you start choosing a credit card. The first question is what do you need a credit card for? Is it for gas purchases, for air travel or for shopping at your favorite stores? If you are planning a big purchase, then you may want a credit card with 0% intro APR on purchases. And of course you will want a credit card with rewards. There are credit cards with fixed rewards and cards with rewards in rotating categories. Knowing what you want to use your card for, will help you decide on rewards program. Once you consider all of these things, you will find the best credit card for you.

What happens if I don’t have excellent credit and apply for an excellent credit credit card anyway?

In most cases your application will be declined right away. However, there are credit card issuers that will offer you the same or similar credit card on different terms. For example, if you were applying for a Visa Signature credit card without an annual fee and with sign up bonus, the issuer can offer you a Visa credit card with an annual fee and with lower or no sign up bonus at all. Also, note that you will have a credit inquiry on your credit report and too many inquiries may lower your credit score and reduce your chances to get the card you want.

What makes credit cards for excellent credit different from other cards?

The first thing that makes credit cards for people with excellent credit different from the others is interest rate. Sometimes it can be two times lower than for other cards. Then come fees and credit limits. Annual fee is either low or not charged at all. And credit limits are high enough to finance a short vacation to Hawaii and have some credit left. Another thing that is different is benefits and perks available. Concierge service, roadside assistance, insurances, and other benefits are offered as by an issuing bank, as by a payment network like Visa or MasterCard.