Credit Card Offers for Excellent Credit in 2020

What is excellent credit? It's when your spotless credit history has made you eligible for the very best credit card deals out there. You can qualify for credit cards with 0% APR, rewards on purchases, sign-up bonuses, no annual fee - you can have it all. Compare offers side by side and review the different perks, benefits and rewards of each card and apply here for the card that you feel is the best fit for you. Applying here for the credit card of your choice is simple and secure.

April 2020: BEST CREDIT CARD OFFER FOR EXCELLENT CREDIT

5
Card Overall Rating
Excellent / Good Credit
Intro APR on Purchases
0% for 12 months
Intro APR on Balance Transfers
0% for 18 months
Ongoing APR
14.40% - 24.40% Variable
Annual Fee
$0
  • 0% Intro APR on Purchases for 12 months and Balance Transfers for 18 months; after that the variable APR will be 14.40% - 24.40%, based on your creditworthiness
  • Earn $150 Statement Credit after you spend $1,200 on purchases within the first 90 days from account opening
  • Earn 5x rewards on up to $1,500 in combined purchases each quarter in popular categories such as dining, groceries, travel, and automotive

More Credit Cards for Excellent Credit

Avianca Vuela Visa® Card Application
Compare now (13) »
5
Card Overall Rating
Excellent,Good Credit
  • 40,000 Bonus LifeMiles after first card use.
  • Earn 3 LifeMiles per $1 spent on Avianca purchases
  • Earn 2 LifeMiles per $1 spent at gas stations and grocery stores
  • Earn 1 LifeMile per $1 spent on all other purchases
  • No foreign transaction fees
  • 15% discount on purchases of miles with Multiply Your Miles
  • Free additional piece of baggage for travel between the United States and Central America
  • A 50% discount on an award ticket redeemed for travel to Central America or Colombia from the United States after $12,000 spent each year
  • An additional 50% discount on an award ticket redeemed for travel to Central America or Colombia from the United States after $24,000 spent each year
  • 0% Introductory offer for 12 months on Balance Transfers
  • Chip-enabled card provides added security
  • Auto Rental Collision Damage Waiver
  • Travel Accident Insurance
  • Protection against unauthorized charges
  • Emergency Card Replacement
  • Online Account Management
  • Electronic Statements
  • Auto-pay option
Intro APR on Purchases
n/a
Intro APR on Balance Transfers
0% introductory APR for the first 12 months. Applies to transfers made within the first 90 days from account opening.
Ongoing APR
13.24% to 26.24%, based on your creditworthiness
Annual Fee
$149
5
Card Overall Rating
Excellent / Good Credit
  • 0% Intro APR on Purchases for 12 months and Balance Transfers for 18 months; after that the variable APR will be 10.75% (V), based on your creditworthiness.
  • Earn $150 statement credit after you spend $1,200 on purchases within the first 90 days from account opening
  • Earn 5x rewards on up to $1,500 in combined purchases each quarter in popular categories such as dining, groceries, travel, and automotive
  • No upper limit on the points you can accumulate, and since points never expire, you can save up for a big award!
  • Earn Points on Every Purchase! It’s simple: $1 = 1 Point
  • No Annual Fee
  • Select Your Rewards Your Way
Intro APR on Purchases
0% for 12 months
Intro APR on Balance Transfers
0% for 18 months
Ongoing APR
10.75% (V)
Annual Fee
$0
5
Card Overall Rating
Excellent,Good Credit
  • 20,000 Bonus LifeMiles after first card use.
  • Earn 2 LifeMiles per $1 spent on Avianca purchases
  • Earn 1 LifeMile per $1 spent on all other purchases
  • 15% discount on purchases of miles with Multiply Your Miles
  • No cap on the number of LifeMiles you can earn
  • 0% Introductory offer for 12 months on Balance Transfers
  • Chip-enabled card provides added security
  • Auto Rental Collision Damage Waiver
  • Travel Accident Insurance
  • Protection against unauthorized charges
  • Emergency Card Replacement
  • Online Account Management
  • Electronic Statements
  • Auto-pay option
Intro APR on Purchases
n/a
Intro APR on Balance Transfers
0% introductory APR for the first 12 months. Applies to transfers made within the first 90 days from account opening.
Ongoing APR
13.24% to 26.24%, based on your creditworthiness
Annual Fee
$59
5
Card Overall Rating
Excellent/Good Credit
  • Patented 24K-gold-plated stainless steel front and carbon back—weighing 22 grams.
  • 2% value for airfare redemptions with no blackout dates or seat restrictions.
  • 2% value for cash back redemptions.
  • 24/7 Luxury Card Concierge®-available by phone, email, and live mobile chat.
  • Exclusive Luxury Card Travel® benefits (e.g., amenities, room upgrades and complimentary food and beverages).
  • Up to $200 annual airline credit and $100 Global Entry application fee credit.
  • Cell Phone Protection, Lyft credits, Postmates discounts, Fandango perks and more.
  • Annual fee: $995 ($295 for each Authorized User).
  • Earn one point for every one dollar spent.
  • Terms and conditions apply.
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
0% introductory APR for the first fifteen billing cycles following each balance transfer that posts to your account within 45 days of account opening.
Ongoing APR
16.49%
Annual Fee
$995 ($295 for each Authorized User added to the account)
5
Card Overall Rating
Excellent/Good Credit
  • Patented black PVD metal card—weighing 22 grams.
  • 2% value for airfare redemptions with no blackout dates or seat restrictions.
  • 1.5% value for cash back redemptions.
  • 24/7 Luxury Card Concierge®—available by phone, email and live mobile chat.
  • Exclusive Luxury Card Travel® benefits (e.g., amenities, room upgrades and complimentary food and beverages).
  • Up to $100 annual airline credit and $100 Global Entry and TSA Pre-Check application fee credit.
  • Cell Phone Protection, Lyft credits, Postmates discounts, Fandango perks and more.
  • Annual fee: $495 ($195 for each Authorized User).
  • Earn one point for every one dollar spent.
  • Terms and conditions apply.
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
0% introductory APR for the first fifteen billing cycles following each balance transfer that posts to your account within 45 days of account opening.
Ongoing APR
16.49%
Annual Fee
$495 ($195 for each Authorized User added to the account)
5
Card Overall Rating
Excellent/Good Credit
  • Patented brushed stainless steel front and carbon back—weighing 22 grams.
  • 2% value for airfare redemptions with no blackout dates or seat restrictions.
  • 1% value for cash back redemptions.
  • 24/7 Luxury Card Concierge®—Available by phone, email, and live mobile chat.
  • Exclusive Luxury Card Travel® benefits (e.g., amenities, room upgrades and complimentary food and beverages).
  • Members-only LUXURY MAGAZINE®.
  • Cell Phone Protection, Lyft credits, Postmates discounts, Fandango perks and more.
  • Annual fee: $195 ($95 for each Authorized User).
  • Earn one point for every one dollar spent.
  • Terms and conditions apply.
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
0% introductory APR for the first fifteen billing cycles following each balance transfer that posts to your account within 45 days of account opening.
Ongoing APR
16.49%
Annual Fee
$195 ($95 for each Authorized User added to the account)
5
Card Overall Rating
Excellent / Good Credit
  • 0% Intro APR on Purchases for 12 months and Balance Transfers for 18 months; after that the variable APR will be 14.40% - 24.40%, based on your creditworthiness
  • Earn $150 Statement Credit after you spend $1,200 on purchases within the first 90 days from account opening
  • Earn 5x rewards on up to $1,500 in combined purchases each quarter in popular categories such as dining, groceries, travel, and automotive
  • No upper limit on the points you can accumulate, and since points never expire, you can save up for a big award!
  • Earn Points on Every Purchase! It's simple: $1 = 1 Point
  • No Annual Fee
  • Select Your Rewards Your Way
  • No Foreign Transaction Fee
Intro APR on Purchases
0% for 12 months
Intro APR on Balance Transfers
0% for 18 months
Ongoing APR
14.40% - 24.40% Variable
Annual Fee
$0

Lots of Choices for People with Excellent Credit

Before you find out what benefits and perks you can get when your credit is perfect, let's clarify what is considered excellent credit. According to the FICO credit score range, excellent credit falls in the range between 750 and 850. With such credit score, you can get approved for any credit card on most generous terms. It's in your power to choose the card that best meets your specific needs.

Since you have all the best offers available, you do not have to think how to get approved for a credit card with a high limit. You already got it with your excellent credit. Also, most banks will let you earn points on every dollar you spend, and these points can be converted into cash, traded in for gift cards, or used on a shopping spree. Use this "free money" to get discounts on whatever you want to buy, and wherever you want to buy it.

Many credit cards offer perks like a concierge service that will help you shop for gifts, find priority seating at events, and even help plan your wedding. Some of other services that come with these cards include: 24-hour travel and roadside assistance, 0% fraud liability, and price protection on items purchased with your credit card.

Keep in mind that while having excellent credit gives you many rewards and perks, you must maintain your stellar money management habits, make wise financial decisions, and most importantly, never miss a payment, if you want to hold on to your excellent credit rating.

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