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Credit Card Offers for Excellent Credit in 2023
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.
June 2023: BEST CREDIT CARD OFFER FOR EXCELLENT CREDIT
Excellent, Good, Fair, Average Credit
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Regular Purchase APR
14.99% - 29.99%
Annual Fee
$0
- $200 bonus after opening a Rewards Checking account and making 3 debit card transactions**
- Unlimited cash back on payments: 3% on Home, Auto, and Health categories and 1% on everything else after you make payments on your purchases
- No annual fee
This offer is not available in District Of Columbia, Iowa, West Virginia, Wisconsin.
More Credit Cards for Excellent Credit
Excellent/Good/Fair Credit
- Earn 10,000 bonus Rewards Points when you spend $2,000 in the first 60 days
- Earn 1 point for every $1 spent on everyday purchases
- No annual fee or balance transfer fee
- Points never expire while account is open and in good standing
- Redeem points for travel, merchandise, events and activities, charitable donations, and gift cards
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
0% Intro APR for 12 billing cycles on balance transfers made in the first 90 days
Regular Purchase APR
12.99% - 18.00% Variable APR
Annual Fee
None
Excellent/Good/660+ Credit
- Earn 15,000 bonus points after you spend $1,000 in your first three months - that's $150 in value when you redeem with GM
- Earn 4x points for every $1 spent everywhere, and receive unlimited 7x total points for every $1 spent with GM. Points don't expire as long as your account remains open
- Points add up fast! For example, spending $12K per year on everyday purchases will earn 48,000 pts which is $480 in value toward future redemptions with GM
- Looking for a new GM vehicle? Redeem unlimited points towards the purchase or lease of a new Chevrolet, Buick, GMC or Cadillac
- Already own or lease a GM vehicle? Use your points toward your loan or lease payment with GM Financial, Certified Service, eligible Accessories and more
- No annual fee, no foreign transaction fees, or cash advance fees. Late fees may apply
- 0% intro APR on purchases for the first 12 months, then a variable APR of 19.99% to 29.99%
- See if you're approved with no impact to your credit score. Accepting a card after your application is approved will result in a hard inquiry, which may impact your credit score
- Terms Apply. Subject to credit approval
Intro APR on Purchases
0% (12 Months)
Intro APR on Balance Transfers
N/A
Regular Purchase APR
19.99% to 29.99% variable purchase APR based on creditworthiness. Rates as of 6/1/2023
Annual Fee
None
Good/Excellent Credit
- Earn Cash Back for Everyday Purchases
- No Caps. No Limits. No Gimmicks.
- 2% Cash Back on all purchases for PenFed Honors Advantage Members
- 1.5% Cash Back on all purchases made with your card
- $100 Bonus Offer Statement Credit When you spend $1,500 in the first 90 days
- 0% Balance Transfers Promo APR for 12 months, 3% fee applies to each transaction. Subject to credit approval. 0% introductory APR for 12 months on balance transfers made in the first 90 days after account opening. After that, the APR for the unpaid balance and any new balance transfers will be a non-variable rate of 17.99%. A 3% balance transfer fee applies to each transfer. This transaction is subject to credit approval. If you take advantage of this balance transfer, you will immediately be charged interest on all purchases made with your credit card unless you pay the entire account balance, including balance transfers, in full each month by the payment due date.
- Annual Fee: $0
- Purchase Variable APR: 17.99%
- Refer to PenFed.org for Terms/Conditions
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
0% (12 months on balance transfers made in the first 90 days after account opening)
Regular Purchase APR
17.99% Variable
Annual Fee
$0
Good/Excellent Credit
- Earn more everywhere you go!
- 50,000 Bonus Points when you spend $3000 in the first 90 days
- Up to $799 total Travel value
- 4X Points on all Travel categories for PenFed Honors Advantage Members
- 3X Points on all Travel categories
- 1.5X Points on all other purchases
- 0% Balance Transfers Promo APR for 12 months, 3% fee applies to each transaction. Subject to credit approval. 0% introductory APR for 12 months on balance transfers made in the first 90 days after account opening. After that, the APR for the unpaid balance and any new balance transfers will be a non-variable rate of 17.99%. A 3% balance transfer fee applies to each transfer. This transaction is subject to credit approval. If you take advantage of this balance transfer, you will immediately be charged interest on all purchases made with your credit card unless you pay the entire account balance, including balance transfers, in full each month by the payment due date.
- Annual Fee: $95 (waived for existing PenFed Honors Advantage Members)
- Purchase Variable APR: 17.99%
- Refer to PenFed.org for Terms/Conditions
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
0% (12 months on balance transfers made in the first 90 days after account opening)
Regular Purchase APR
17.99% Variable
Annual Fee
$95
Excellent / Good Credit
- Loans between $5k - $100k, state restrictions apply1
- Fixed rates starting at 8.99% APR (with AutoPay)2
- 2, 3, 4, 5, 6, or 7 year repayment terms
- No origination fees required, no prepayment penalties
- Personal loans can be used for a variety of reasons, like paying off credit card debt, investing in home improvements, taking a special vacation, or wedding expenses
Checking Account Required
Yes
Maximum Loan Amount
$100,000
Minimum Loan Amount
$5,000
Employment Required
Yes
Excellent/Good Credit
- Earn points every time you spend. Luxury Card enhances your purchasing power by providing you with one (1) point for every one dollar ($1) you spend. Every purchase gets you closer to the rewards you want.
- 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, or the Luxury Card App.
- The Luxury Card Travel® program (e.g., room upgrades at check-in, resort credit, complementary Wi-Fi, and daily breakfast for two).
- A suite of additional Mastercard® travel, shopping and special offers.
- Annual fee: $195 ($95 for each Authorized User).
- Terms and conditions apply.
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
0% intro APR for 15 billing cycles on balance transfers posted within 45 days of account opening.
Regular Purchase APR
19.74% Variable
Annual Fee
$195 ($95 for each Authorized User added to the account)
Excellent/Good Credit
- Earn 20,000 bonus Rewards Points when you spend $3,000 in the first 60 days
- Earn 2 Rewards Points for every $1 spent on groceries, gas, electronics, medical, household goods and telecommunications and 1 Reward Point for every $1 spent on all other purchases
- Redeem Reward Points for travel, merchandise, events, experiences, gift cards and cash
- No points maximum and your points never expire
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
0% Intro APR for 12 billing cycles on balance transfers made in the first 90 days
Regular Purchase APR
13.25% - 18.00% Variable APR
Annual Fee
None
Excellent Credit
- Earn a one-time bonus offer and rewards on all purchases.
- 0% Intro APR on Purchases or Balance Transfers. A variable go-to APR applies after that.
- Balance transfer fee is between 3% and 5% of the amount of each transfer.
- Redeem earned rewards towards travel, gift cards and more.
- No annual fee.
Intro APR on Purchases
0% (up to 21 months)
Intro APR on Balance Transfers
0% (up to 21 months)
Regular Purchase APR
Annual Fee
$0
This offer is not available in U.S. territories.
Excellent/Good Credit
- Earn cash back on everyday purchases with the Owner's Rewards Card by M1. Then, reinvest your rewards for long-term growth.
- Get a baseline of 1.5% cash back on everyday purchases, and unlock higher rewards tiers of 2.5%, 5%, and 10% cash back with M1 Plus.
- Use M1 automation to easily reinvest your rewards for long-term impact.
- Integrate even more of your financial life in one place, while M1 helps you grow your wealth with everyday transactions.
- Visa Signature® benefits including Zero Liability, exclusive experiences, and more.
- The credit card for investors is here. Invest when you spend and build your wealth with everyday transactions.
- There is no annual fee.
- Your first three months of M1 Plus is free.* Get exclusive features and discounts to help you build your wealth.
This offer is not available in U.S. territories.
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Regular Purchase APR
19.99% - 29.99% APR
Annual Fee
$0
Good/Excellent Credit
- Our Lowest-Rate Card
- Benefits of this gold card include low APR and low promotional balance transfer APR. Go for the gold today!
- LOW APR on all purchases
- 0% Introductory APR on purchases made the first 15 months after account opening. After that, the APR for any unpaid purchase balance and any new purchases will be 16.99% to 17.99% based on your creditworthiness and will vary with the market based on the prime rate. 0% introductory APR for 15 months on balance transfers made in the first 90 days after account opening. After that, the APR for the unpaid balance and any new balance transfers will be a non-variable rate of 17.99%. A 3% balance transfer fee applies to each transfer. This transaction is subject to credit approval. If you take advantage of this balance transfer, you will immediately be charged interest on all purchases made with your credit card unless you pay the entire account balance, including balance transfers, in full each month by the payment due date.
- Annual Fee: $0
- Purchase Variable APR: 16.99% to 17.99%
- Refer to PenFed.org for Terms/Conditions
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
0% (15 months on balance transfers made in the first 90 days after account opening)
Regular Purchase APR
16.99% to 17.99% Variable
Annual Fee
$0
This offer is not available in District Of Columbia, Iowa, West Virginia, Wisconsin.
Excellent, Good, Fair, Average Credit
- $200 bonus after opening a Rewards Checking account and making 3 debit card transactions**
- Unlimited cash back on payments: 3% on Home, Auto, and Health categories and 1% on everything else after you make payments on your purchases
- No annual fee
- Combine the flexibility of a credit card with the predictability of a personal loan
- No touch payments with contactless technology built in
- See if you qualify in minutes without hurting your credit score
- Great for large purchases with predictable payments you can budget for
- Mobile app to access your account anytime, anywhere
- Enjoy peace of mind with $0 Fraud liability
This offer is not available in District Of Columbia, Iowa, West Virginia, Wisconsin.
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Regular Purchase APR
14.99% - 29.99%
Annual Fee
$0
Good/Excellent Credit
- Get Rewarded on Everyday Purchases
- 5x Points on gas paid at the pump and EV charging stations
- 3x Points at the supermarket (including most Target and Walmart locations), restaurants, and TV, radio, cable, streaming services
- 1x Points on all other purchases
- 15,000 Bonus Points when you spend $1,500 in first 90 days
- 0% Balance Transfers Promo APR for 12 months, 3% fee applies to each transaction. Subject to credit approval. 0% introductory APR for 12 months on balance transfers made in the first 90 days after account opening. After that, the APR for the unpaid balance and any new balance transfers will be a non-variable rate of 17.99%. A 3% balance transfer fee applies to each transfer. This transaction is subject to credit approval. If you take advantage of this balance transfer, you will immediately be charged interest on all purchases made with your credit card unless you pay the entire account balance, including balance transfers, in full each month by the payment due date.
- Annual Fee: $0
- Purchase Variable APR: 17.99%
- Refer to PenFed.org for Terms/Conditions
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
0% Introductory APR for 12 months on balance transfers made in the first 90 days after account opening. Read more
Regular Purchase APR
17.99% Variable
Annual Fee
$0
This offer is not available in District Of Columbia, Iowa, West Virginia, Wisconsin.
Excellent, Good, Fair, Average Credit
- $200 bonus after opening a Rewards Checking account and making 3 debit card transactions**
- Earn 1.5% unlimited cash back on card purchases every time you make a payment
- Combine the flexibility of a credit card with the predictability of a personal loan
- No annual fee
- No touch payments with contactless technology built in
- See if you qualify in minutes without hurting your credit score
- Great for large purchases with predictable payments you can budget for
- Mobile app to access your account anytime, anywhere
- Enjoy peace of mind with $0 Fraud liability
This offer is not available in District Of Columbia, Iowa, West Virginia, Wisconsin.
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Regular Purchase APR
14.99% - 29.99%
Annual Fee
$0
Excellent/Good/Limited/No Credit
- No fees whatsoever. No late fee, foreign transaction fee, annual fee, or any-other-kind-of-fee, fee.
- Variable APRs range from 17.99% - 31.99%
- Up to 1.5% cash back on eligible purchases after making 12 on-time monthly payments.
- 1% cash back on eligible purchases right away
- 2% - 10% cash back at select merchants $300 - $10,000 credit limits
- No credit score? No problem. If eligible, we'll create your Cash Score instead.
- See if you're pre-approved within minutes without impacting your credit score.
- Build credit alongside hundreds of thousands of Petal card members.
- Petal reports to all 3 major credit bureaus.
- No deposits required
- Card issued by WebBank
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Regular Purchase APR
17.99% - 31.99% 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.
Not Sure Which Card to Choose?
Ask Our Experts or Read Credit Card FAQs
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