Credit cards for excellent credit come with an astounding array of perks. From offering the most competitive interest rates to doling out supercharged rewards, credit cards can handsomely reward those sporting excellent credit scores.
All of the excellent credit cards on our list meet an exacting set of criteria to help you narrow your choices. Here, you can easily compare cards, benefits and current offers to find the card that aligns with your spending and lifestyle.
We receive compensation from our partners for Featured Offer placements, which impacts how and where their offer is displayed.
Featured Offer
Chase Freedom Unlimited®
Welcome Bonus Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That’s 6.5% on travel purchased through Chase Ultimate Rewards®, 4.5% on dining and drugstores, and 3% on all other purchases.
Up to $300 cash back
Regular APR
20.49% – 29.24% Variable
Annual Fee
$0
Credit Score Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Excellent, Good
Capital One Venture Rewards Credit Card
* The information for the Capital One Venture Rewards Credit Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer.
Best for excellent credit
Key takeaways
2X
Earn unlimited 2x miles on every purchase, every day.
5X
Earn 5x miles on hotels and rental cars booked through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options.
5/5
The CNN Underscored Money editorial team has developed a star rating so you can see the best card for specific categories. While we believe this card excels in this category, its overall star rating may differ.
Best for excellent credit
Welcome bonus Earn a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
75,000 miles
Annual fee
$95
Regular APR
21.24% – 29.24%
Credit score Credit score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Excellent, Good
Why we picked it
If you’re looking for a top-notch, all-around card to keep top-of-wallet, the Capital One Venture card has you covered (terms apply, see rates and fees). With 2x Capital One miles on everyday spending plus a hefty 5x miles on hotels and rental cars booked through Capital One Travel, you’ll be globetrotting in no time. Perks also include a credit of up to $100 toward the application fee for Global Entry or TSA PreCheck®.
+ Pros
- Welcome bonus of 75,000 miles once you spend $4,000 on purchases within three months from account opening
- Up to $100 credit for Global Entry or TSA PreCheck
- Miles transfer to airline and hotel partners
– Cons
- Limited bonus rewards opportunities
- Charges a $95 annual fee
- Rewards are best suited for travel and are worth much less if you redeem for cash back
Highlights
- Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
- Earn unlimited 2X miles on every purchase, every day
- Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options
- Miles won’t expire for the life of the account and there’s no limit to how many you can earn
- Receive up to a $100 credit for Global Entry or TSA PreCheck®
- Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
- Enrich every hotel stay from the Lifestyle Collection with a suite of cardholder benefits, like a $50 experience credit, room upgrades, and more
- Transfer your miles to your choice of 15+ travel loyalty programs
Citi Premier® Card
* The information for the Citi Premier® Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer.
Best bonus categories
Key takeaways
3X
Earn 3 Points per $1 spent at Gas Stations, Air Travel and Other Hotels.
3X
Earn 3 Points per $1 spent at Restaurants and Supermarkets.
1X
Earn 1 Point per $1 spent on all other purchases.
4.5/5
The CNN Underscored Money editorial team has developed a star rating so you can see the best card for specific categories. While we believe this card excels in this category, its overall star rating may differ.
Best bonus categories
Welcome bonus Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening. Plus, for a limited time, earn a total of 10 ThankYou® Points per $1 spent on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel℠ portal through June 30, 2024.
60,000 points
Annual fee
$95
Regular APR
21.24% – 29.24% (Variable)
Credit score Credit score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Excellent, Good
Why we picked it
The Citi Premier Card rewards card holders with 3x Citi ThankYou® Rewards points in five staple spending categories: supermarkets, gas stations, restaurants, hotels and air travel. With 1x points in all non-bonus categories, a $100 discount on an eligible hotel stay each calendar year and 10x points on eligible travel booked through the Citi Travel portal before July 1, 2024, this card’s perks can make its $95 annual fee a no-brainer.
+ Pros
- Bonus rewards on everyday spending categories
- Flexible redemption options
- Annual hotel discount
– Cons
- Few notable travel benefits
- Low base rewards rate
- Charges a $95 annual fee
Highlights
- Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening. Plus, for a limited time, earn a total of 10 ThankYou® Points per $1 spent on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel℠ portal through June 30, 2024.
- Earn 3 Points per $1 spent at Gas Stations, Air Travel and Other Hotels
- Earn 3 Points per $1 spent at Restaurants and Supermarkets
- Earn 1 Point per $1 spent on all other purchases
- Annual Hotel Savings Benefit
- 60,000 ThankYou® Points are redeemable for $600 in gift cards or travel rewards at thankyou.com
- No expiration and no limit to the amount of points you can earn with this card
- No Foreign Transaction Fees on purchases
American Express® Gold Card
* The information for the American Express® Gold Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer.
Best for foodies
Key takeaways
4X
Earn 4X Membership Rewards® points at restaurants, plus takeout and delivery in the U.S.
4X
Earn 4X Membership Rewards® points at US supermarkets on up to $25,000 per calendar year in purchases.
3X
Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
1X
Earn 1X points on other eligible purchases.
3.6/5
The CNN Underscored Money editorial team has developed a star rating so you can see the best card for specific categories. While we believe this card excels in this category, its overall star rating may differ.
Best for foodies
Welcome bonus Earn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
Earn 60,000 points
Annual fee
$250
Regular APR
See Pay Over Time APR
Credit score Credit score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Excellent/Good
Why we picked it
You can earn rewards no matter what’s on the menu tonight with the Amex Gold card. The card earns 4x American Express Membership Rewards® points on dining (including takeout in the U.S.). You can also get up to $10 each month to cover spending with Grubhub, The Cheesecake Factory and other eligible eateries. If you prefer to order in, make sure to unlock the card’s $10 in Uber Cash each month. Home chefs may enjoy 4x points at U.S. supermarkets (on up to $25,000 spent in a year, then 1x) (terms apply, see rates and fees).
+ Pros
- High return on grocery and dining purchases
- Points can be redeemed with travel partners for a higher return
- Up to $20 in monthly Uber and dining credits
– Cons
- Charges a $250 annual fee
- Grocery bonus capped at $25,000 of spending annually
- Rewards are best suited for travel and not ideal if you prefer cash back
Highlights
- Earn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
- Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
- Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
- $120 Dining Credit: Satisfy your cravings and earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. Enrollment required.
- Get a $100 experience credit with a minimum two-night stay when you book The Hotel Collection through American Express Travel. Experience credit varies by property.
- Choose the color that suits your style. Gold or Rose Gold.
- No Foreign Transaction Fees.
- Annual Fee is $250.
- Terms Apply.
All information about American Express® Gold Card has been collected independently by CNN Underscored.
Capital One Venture X Rewards Credit Card
* The information for the Capital One Venture X Rewards Credit Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer.
Best premium card
Key takeaways
2X
Earn 2 miles per dollar on all eligible purchases.
2X
Earn 5 miles per dollar on flights when booking via Capital One Travel.
10X
Earn 10 miles per dollar on hotels and rental cars when booking via Capital One Travel.
4.9/5
The CNN Underscored Money editorial team has developed a star rating so you can see the best card for specific categories. While we believe this card excels in this category, its overall star rating may differ.
Best premium card
Welcome bonus Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel.
75,000 miles
Annual fee
$395
Regular APR
22.24% – 29.24% (Variable)
Credit score Credit score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Excellent
Why we picked it
The Venture X (terms apply, see rates and fees) offers 10x miles on hotels and rental cars booked through Capital One Travel, plus 5x miles on flights booked through the platform. With higher rewards rates than the Capital One Venture card, it’s easy to quickly accumulate miles — especially when coupled with 2x miles on everyday spending.
While the Venture X card comes with a steep annual fee, the card’s $300 annual travel credit can pretty much cover the cost, as long as you use it.
+ Pros
- Earn 2 miles per dollar on non-bonus categories with no cap
- Annual $300 credit toward Capital One Travel bookings
- 10,000 bonus miles each account anniversary
– Cons
- May charge an above-average APR
- Charges a $395 annual fee
- Rewards are best suited for travel and are worth much less if you redeem for cash back
Highlights
- Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
- Receive a $300 annual credit for bookings through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options
- Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
- Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel
- Earn unlimited 2X miles on all other purchases
- Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
- Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
- Elevate every hotel stay from the Premier or Lifestyle Collections with a suite of cardholder benefits, like an experience credit, room upgrades, and more
- Receive up to a $100 credit for Global Entry or TSA PreCheck®
Chase Sapphire Reserve®
Best premium card for flexible travel rewards
Key takeaways
5x
Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually.
3x
Earn 3x points on other travel and dining and 1x points on all other purchases.
4.5/5
The CNN Underscored Money editorial team has developed a star rating so you can see the best card for specific categories. While we believe this card excels in this category, its overall star rating may differ.
Best premium card for flexible travel rewards
On Chase Bank USA, NA’s Secure Website
Welcome bonus Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $900 toward travel when you redeem through Chase Travel℠
60,000 bonus points
Annual fee
$550
Regular APR
22.49%-29.49% Variable
Credit score Credit score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Excellent
Why we picked it
While the Venture X Card requires booking through Capital One’s proprietary travel service to use your annual travel credit, the Sapphire Reserve lets you book how you’d like. With a flexible annual statement credit of up to $300 to reimburse you for travel, you can easily earn back your spend on things like taxis and airline tickets — or even campgrounds, ferries and parking lot fees. And the Sapphire Reserve offers strong rewards rates and other benefits to boot.
+ Pros
- Offers up to $300 in annual statement credits to cover travel
- Provides luxury travel benefits such as airport lounge access
- Points are worth 50% more when used to reserve travel through Chase Travel℠
– Cons
- $550annual fee
- $75 annual fee for each authorized user
- Must book travel through Chase Travel℠ to unlock highest rewards rates
Highlights
- Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $900 toward travel when you redeem through Chase Travel℠.
- $300 Annual Travel Credit as reimbursem*nt for travel purchases charged to your card each account anniversary year.
- Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
- Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 60,000 points are worth $900 toward travel.
- 1:1 point transfer to leading airline and hotel loyalty programs
- Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
- Member FDIC
Chase Sapphire Preferred® Card
Best mid-tier travel rewards card
Key takeaways
5x
Earn 5x on travel purchased through Chase Travel℠
3x
Earn 3x on dining, select streaming services and online groceries
2x
Earn 2x on all other travel purchases
1x
Earn 1x on all other purchases, plus more
4.5/5
The CNN Underscored Money editorial team has developed a star rating so you can see the best card for specific categories. While we believe this card excels in this category, its overall star rating may differ.
Best mid-tier travel rewards card
On Chase Bank USA, NA’s Secure Website
Welcome bonus Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 when you redeem through Chase Travel℠.
60,000 bonus points
Annual fee
$95
Regular APR
21.49%-28.49% Variable
Credit score Credit score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Excellent, Good
Why we picked it
With its reasonable annual fee of $95, the Sapphire Preferred packs a lot of travel punch. You’ll earn 5x points on eligible travel when you book through the Chase Travel℠, plus a 25% bonus when you redeem your points for travel through the portal. You’ll also earn rewards for meals out or in with 3x points on dining, delivery and takeout. You’ll get reimbursed up to $50 each year to cover eligible hotel stays purchased through Chase Travel℠ (note that you won’t earn points on these $50).
+ Pros
- Points are worth 25% more when you redeem for eligible travel
- No foreign transaction fee
- Points can be transferred to loyalty program partners including JetBlue, Marriott and Hyatt
– Cons
- $95annual fee
- No 0% introductory APR
- Must book travel through Chase Ultimate Rewards to earn 5 points per dollar
Highlights
- Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 when you redeem through Chase Travel℠.
- Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
- Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
- Member FDIC
The Platinum Card® from American Express
* The information for the The Platinum Card® from American Express has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer.
Best for luxury travel perks
Key takeaways
5X
Earn 5 Membership Rewards Points per dollar on prepaid hotels booked with American Express Travel and on flights booked directly with airlines or through Amex travel. The airline benefit is limited to the first $500,000 in purchases per calendar year.
1X
Earn 1 point for every dollar spent on other eligible purchases.
4.2/5
The CNN Underscored Money editorial team has developed a star rating so you can see the best card for specific categories. While we believe this card excels in this category, its overall star rating may differ.
Best for luxury travel perks
Welcome bonus Earn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership.
Earn 80,000 points
Annual fee
$695
Regular APR
See Pay Over Time APR
Credit score Credit score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Excellent/Good
Why we picked it
The Amex Platinum (terms apply, see rates and fees) connects luxury travelers with the world. While the $695 annual fee could be tough to swallow at first glance, the card’s benefits can make it more than worth the cost. Perks include up to $200 in statement credits for eligible hotel spending, up to $200 in statement credits for eligible airline fees on your selected airline and an up to $189 CLEAR® Plus credit to help you travel in style. Plus, you’ll get valuable perks on streaming, luxury fitness and major retail brands.
+ Pros
- Generous welcome bonus offer
- Premium benefits including statement credits, hotel elite status and airport lounge access
- Top-notch travel and purchase protections
– Cons
- High annual fee
- Base rewards rate is just 1 point per dollar on most purchases
- Statement credits and perks can be hard to maximize
Highlights
- Earn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum Card®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
- Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
- $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®. The Hotel Collection requires a minimum two-night stay.
- $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peaco*ck, and The Wall Street Journal. Enrollment required.
- $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership (subject to auto-renewal) with a statement credit after you pay for Walmart+ each month with your Platinum Card®. Cost includes $12.95 plus applicable local sales tax. Plus Up Benefits are excluded.
- $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card®.
- $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only. Terms Apply.
- $300 Equinox Credit: Get up to $300 back in statement credits per calendar year on an Equinox membership, or an Equinox club membership (subject to auto-renewal) when you pay with your Platinum Card®. Enrollment required. Visit https://platinum.equinox.com/ to enroll.
- $189 CLEAR® Plus Credit: Breeze through security with CLEAR Plus at 100+ airports, stadiums, and entertainment venues nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Platinum Card®. Learn more.
- $100 Global Entry Credit: Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck® (through a TSA official enrollment provider) application fee, when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
- Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That’s up to $50 in statement credits semi-annually. Enrollment required.
- $300 SoulCycle At-Home Bike Credit: Get a $300 statement credit for the purchase of a SoulCycle at-home bike with your Platinum Card®. An Equinox+ subscription is required to purchase a SoulCycle at-home bike and access SoulCycle content. Must charge full price of bike in one transaction. Shipping available in the contiguous U.S. only. Enrollment Required.
- Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card® to your Resy profile.
- $695 annual fee.
- Terms Apply.
All information about The Platinum Card® from American Express has been collected independently by CNN Underscored.
Marriott Bonvoy Boundless® Credit Card
* The information for the Marriott Bonvoy Boundless® Credit Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer.
Best hotel card
Key takeaways
3X
Earn 3X points per $1 on the first $6,000 spent in combined purchases each year on grocery stores, gas stations, and dining.
17X
Earn up to 17X total points per $1 spent at thousands of hotels participating in Marriott Bonvoy® with the Marriott Bonvoy Boundless® Card.
4.8/5
The CNN Underscored Money editorial team has developed a star rating so you can see the best card for specific categories. While we believe this card excels in this category, its overall star rating may differ.
Best hotel card
Welcome bonus Earn 5 Free Night Awards (each night valued up to 50,000 points) after you spend $5,000 on purchases in your first 3 months from your account opening. Certain hotels have resort fees.
5 Free Night Awards
Annual fee
$95
Regular APR
21.49% – 28.49% Variable
Credit score Credit score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Good, Excellent
Why we picked it
Marriott lovers, rejoice — the Marriott Bonvoy Boundless Credit Card makes it easier to earn free nights. In addition to a free night award worth up to 35,000 points each year on your card holder anniversary, you’ll earn 6x Marriott Bonvoy points at more than 7,000 participating hotels. The card’s welcome bonus offers five Free Night Awards (each night valued up to 50,000 points) after you spend $5,000 on purchases in your first three months from your account opening.
+ Pros
- No foreign transaction fees
- Earns points on Marriott expenses and everyday spending
- Offers free night each account anniversary
– Cons
- $95 annual fee
- No 0% introductory APR
- 3x points categories capped at $6,000 in spending per year (then 2x)
Highlights
- Earn 5 Free Night Awards (each night valued up to 50,000 points) after you spend $5,000 on purchases in your first 3 months from your account opening. Certain hotels have resort fees.
- Earn 3X points per $1 on the first $6,000 spent in combined purchases each year on grocery stores, gas stations, and dining.
- Earn 1 Elite Night Credit towards Elite Status for every $5,000 you spend.
- 1 Free Night Award (valued up to 35,000 points) every year after account anniversary.
- Earn up to 17X total points per $1 spent at thousands of hotels participating in Marriott Bonvoy® with the Marriott Bonvoy Boundless® Card.
- Receive 15 Elite Night Credits annually, automatic Silver Elite status, and path to Gold Status when you spend $35,000 on purchases each calendar year.
- No Foreign Transaction Fees.
- Member FDIC
Aeroplan® Credit Card
Best airline card
Key takeaways
3X
Earn 3x points for each dollar spent on grocery stores, dining at restaurants including takeout and eligible delivery services, and Air Canada directly.
1X
Earn 1x points for each dollar spent on all other purchases.
3.9/5
The CNN Underscored Money editorial team has developed a star rating so you can see the best card for specific categories. While we believe this card excels in this category, its overall star rating may differ.
Best airline card
On Chase Bank USA, NA’s Secure Website
Welcome bonus Earn 60,000 bonus points after you spend $3,000 on purchases in the first 3 months from account opening.
Earn 60,000 points
Annual fee
$95
Regular APR
21.74% – 28.74% Variable
Credit score Credit score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Excellent, Good
Why we picked it
If Air Canada is your airline of choice, the Aeroplan Credit Card offers top-tier earning potential. In addition to a hefty welcome bonus, card holders enjoy preferred pricing over other Aeroplan program members when redeeming Aeroplan points for flights. Plus, you’ll earn 3x points every day on Air Canada flights, grocery store spending, and dining.
+ Pros
- Earns bonus points each month you spend at least $2,000 on purchases
- No foreign transaction fee
- Multiple point redemption options
– Cons
- $95annual fee
- Low base rewards rate
- Free first checked bag only available when travel originates on an Air Canada flight
Highlights
- Earn 60,000 bonus points
- Earn 60,000 points after you spend $3,000 on purchases in the first 3 months your account is open.
- $95 Annual Fee
- Redeem points for both international and domestic flights with the Aeroplan® Credit Card.
- Fly to another continent and travel the world with the Aeroplan® Credit Card.
- Earn 3X points for each dollar spent at grocery stores, on dining at restaurants, and Air Canada directly. Earn 1X point for each dollar spent on all other purchases.
- 500 bonus points for every $2,000 you spend in a calendar month – up to 1,500 points per month.
- Member FDIC
Methodology
Our team of experts reviewed nearly 100 credit cards geared toward customers with excellent credit scores, including cards that earn transferable points, airline cards and hotel cards. We looked at various factors including welcome bonuses, ongoing rewards earning, fees and benefits such as travel insurance and purchase protections. Using a data-based approach, we narrowed down the list to the nine best credit cards for excellent credit that scored highly based on our weightings. Read our full methodology below.
Show summary
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Capital One Venture Rewards Credit Card: *
Best for excellent creditThe information for the Capital One Venture Rewards Credit Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer.
-
Citi Premier® Card: *
Best bonus categoriesThe information for the Citi Premier® Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer.
-
American Express® Gold Card: *
Best for foodiesThe information for the American Express® Gold Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer.
-
Capital One Venture X Rewards Credit Card: *
Best premium cardThe information for the Capital One Venture X Rewards Credit Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer.
-
Chase Sapphire Reserve®: Best premium card for flexible travel rewards
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Chase Sapphire Preferred® Card: Best mid-tier travel rewards card
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The Platinum Card® from American Express: *
Best for luxury travel perksThe information for the The Platinum Card® from American Express has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer.
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Marriott Bonvoy Boundless® Credit Card: *
Best hotel cardThe information for the Marriott Bonvoy Boundless® Credit Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer.
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Aeroplan® Credit Card: Best airline card
All information about American Express® Gold Card and The Platinum Card® from American Express has been collected independently by CNN Underscored.
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Featured Offer
Chase Freedom Unlimited®
Welcome Bonus Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That’s 6.5% on travel purchased through Chase Ultimate Rewards®, 4.5% on dining and drugstores, and 3% on all other purchases.
Up to $300 cash back
Regular APR
20.49% – 29.24% Variable
Annual Fee
$0
Credit Score Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Excellent, Good
Our picks at a glance
| Annual fee | Welcome bonus | Best for | Standout perk | |
|---|---|---|---|---|
Capital One Venture Rewards Credit Card*The information for the Capital One Venture Rewards Credit Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. | $95 | 75,000 miles once you spend $4,000 on purchases within three months from account opening | Excellent credit | 5x miles on hotels and rental cars booked through Capital One Travel with no annual cap |
Citi Premier® Card*The information for the Citi Premier® Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. | $95 | Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening. Plus, for a limited time, earn a total of 10 ThankYou® Points per $1 spent on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel℠ portal through June 30, 2024. | Bonus categories | 3x points at restaurants and gas stations, and on air travel and hotel spending |
American Express® Gold Card*The information for the American Express® Gold Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. | $250 | 60,000 Membership Rewards points after spending $6,000 on purchases in the first 6 months of card membership | Foodies | 4x points at restaurants |
Capital One Venture X Rewards Credit Card*The information for the Capital One Venture X Rewards Credit Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. | $395 | 75,000 bonus miles after spending $4,000 on purchases within the first three months of account opening | Premium perks | $300 annual travel credit on bookings through Capital One Travel |
Chase Sapphire Reserve® | $550 | 60,000 bonus points after you spend $4,000 on the card within the first three months after opening the account, which are worth a guaranteed $900 when you redeem them for travel via the Chase travel portal | Flexible travel rewards on a premium card | Up to $300 annual travel credit |
Chase Sapphire Preferred® Card | $95 | 60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening. That's $750 when you redeem through Chase Travel℠ | Mid-tier travel rewards | 25% more points value when you redeem for eligible travel |
The Platinum Card® from American Express*The information for the The Platinum Card® from American Express has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. | $695 | 80,000 Membership Rewards® points after you spend $8,000 on purchases within the first six months of account opening | Luxury travel perks | Up to $200 annual hotel credit plus up to $200 annual airline fee credit |
Marriott Bonvoy Boundless® Credit Card*The information for the Marriott Bonvoy Boundless® Credit Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. | $95 | five Free Night Awards (each night valued up to 50,000 points) after you spend $5,000 on purchases in your first three months from your account opening | Hotels | Earn 6x points at Marriott |
Aeroplan® Credit Card | $95 | 60,000 bonus points after spending $3,000 on purchases in the first three months of account opening | Airlines | Preferred pricing when booking flights with Aeroplan points |
Benefits of credit cards for excellent credit
- Competitive ongoing annual percentage rates (APRs). While you should strive to pay your balance in full each month, the best credit cards for excellent credit scores can offer attractive APRs for those who need to carry a balance.
- Lengthy introductory APRs. Those with excellent credit scores may earn 0% introductory APRs with the longest terms available.
- Valuable welcome bonuses. The best credit cards for high credit scores can offer the opportunity for new cardmembers to earn unrivaled points and mileage bonuses.
- Top-notch cardmember perks. From airport lounge access and travel insurance to streaming and lifestyle brand discounts, those with excellent credit stand to reap significant extras.
- Potentially higher credit limits. Those with excellent credit scores could earn higher credit limits since they’re perceived as lower-risk borrowers by card issuers.
Why is your credit score important?
Your credit score helps determine whether you’ll be approved for loans and lines of credit and what interest rate you’ll be charged, if approved. It can even affect job and lease applications.
Because your credit score is relevant to so much of your financial life, you should understand the factors that determine it and how to improve it.
You don’t need to have a perfect credit score to unlock approval and solid rates, but a good or excellent score is a worthwhile goal.
What counts as excellent credit?
There is no universal definition for excellent credit, and different card issuers might have their own ranges for scores they consider excellent. FICO considers scores between 800 and 850 to be exceptional, while a score between 781 and 850 earns top marks under the VantageScore 3.0 model.
Since credit scores are meant to represent your credit risk to a lender or credit card issuer, an excellent score means you’re considered a low-risk borrower. That’s because you have an on-time payment history and low credit utilization. Consumers with longer credit histories, a diverse credit mix (i.e. multiple types of credit accounts, such as a mortgage and credit cards) and who don’t regularly open new credit accounts also tend to see higher scores.
How to build an excellent credit score
While an excellent credit score isn’t something you can achieve in a flash, it’s certainly something you can work toward. Establishing sound financial behaviors over time can help you gradually work your way toward an excellent score.
- Be selective. Only apply for the credit you truly need. When you apply for a credit card, it sets off a hard credit inquiry that can have a minor effect on your score.
- Maintain a spotless payment history. The longer your history of on-time payments, the more likely your score is to climb.
- Keep revolving balances low. Low balances on your revolving lines of credit such as credit cards signal that you use credit responsibly. You should aim to use at most 30% of your total credit limit across all lines of credit.
- Keep older revolving accounts open. It can be worthwhile to cancel a credit card, but the age of your accounts does play a role in your score, and a longer track record of responsible credit management can be helpful.
- Regularly check your credit reports. Check up on your credit at regular intervals to identify any potential errors or identity theft — both of which can wreak havoc on your score.
How to choose a credit card with excellent credit
Before applying for a credit card, you’ll want to think about which cards align with your spending habits and lifestyle. The best credit cards for people with excellent credit will always be the ones that reward them in the ways they find most meaningful.
For instance, say you’re an avid traveler who enjoys more than a touch of luxury. In this case, you’ll likely find travel rewards cards that offer global lounge access and high miles-earning rates more attractive. On the other hand, say you’re a spender who’s all about the best discounts. Cards offering generous cash-back payouts could be your ideal match. And if you have your eye on a major purchase, you might ultimately choose a card with the longest introductory APR on purchases.
The choice is yours, and your excellent credit affords you plenty of options.
Applying for a credit card with excellent credit
Credit card applications may be available online, by phone or in person at a bank branch. Some credit card issuers, such as Capital One and Discover, also let you get a sense of your odds before you apply with online pre-approval.
Methodology
Our money and data analytics teams evaluated over 90 rewards credit cards available to consumers with excellent credit (a VantageScore greater than 780). From there, we narrowed down our list of the best credit cards for excellent credit by giving them a star rating out of five, based on the following factors and our editorial judgment:
Rewards value (30%)
Many credit cards for excellent credit earn rewards, but not all credit card points and miles are worth the same amount. We used spending data from the Bureau of Labor Statistics and estimates of rewards values from The Points Guy to determine which cards dole out the best rewards value.
Welcome bonus value (30%)
Many rewards cards offer bonus cash back, points or miles to consumers who spend a certain amount in their first months with the card. We calculated how much those bonuses are worth using points valuations from The Points Guy, and boosted cards that offer more value.
Pricing and fees (20%)
Cards with no annual fee, no foreign transaction fee and competitive variable APRs received a boost compared to cards with higher fees and rates.
Benefits (15%)
Cards that offer benefits such as cell phone protection, purchase protection, extended warranty and a 0% introductory APR on purchases and balance transfers received a boost.
Annual credits and bonuses (5%)
Credit cards that come with credits and bonuses for spending in categories including groceries, dining, entertainment and gas received a boost.
What didn’t make the cut
We believe that you deserve the best possible balance of costs and rewards when choosing a credit card. As a result, some notable cards didn’t make our list.
- Marriott Bonvoy Brilliant® American Express® Card*The information for the Marriott Bonvoy Brilliant® American Express® Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. : This card offers strong perks and good rewards rates, but has a high $650 annual fee (terms apply, see rates and fees).
- Hilton Honors Aspire Card from American Express*The information for the Hilton Honors Aspire Card from American Express has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. : Hilton loyalists can get a lot of value out of this card’s perks and rewards, but the annual fee is a steep $550.
- Hilton Honors American Express Surpass® Card*The information for the Hilton Honors American Express Surpass® Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. : The Amex Hilton Surpass Card (terms apply, see rates and fees) offers decent rewards on hotel stays, but the Marriott Bonvoy Boundless® Credit Card*The information for the Marriott Bonvoy Boundless® Credit Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. wins with its lower annual fee and free night reward on every card holder anniversary.
- American Express® Green Card*The information for the American Express® Green Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. : This card has solid 3x rewards on top spending categories, but card holders can get more from the Amex Gold card for a higher annual fee (terms apply, see rates and fees).
All information about Marriott Bonvoy Brilliant® American Express® Card, Hilton Honors Aspire Card from American Express, Hilton Honors American Express Surpass® Card and American Express® Green Card has been collected independently by CNN Underscored.
Frequently asked questions (FAQs)
Achieving an excellent credit rating takes time. Those with excellent credit scores have demonstrated a long history of on-time payments and responsible debt management across credit products. If you have your eye on earning an excellent credit rating, your best bet is to take steps including paying your bills on time, using a small percentage of your credit limit and keeping your existing accounts open when possible to demonstrate a long-term history of superior account management.
For those with top-notch credit scores, the best credit card for excellent credit will depend on spending habits and lifestyles. For instance, those with a vagabond spirit might value a travel credit card that lets them earn miles at an accelerated pace. Foodies might prefer a credit card that rewards them for dining out. Someone who wants a variety of rewards redemption options might find a flexible points-based rewards card the best option. Whatever features you value most, you’ll find a card that fits.
To view rates and fees for Marriott Bonvoy Brilliant® American Express® Card*The information for the Marriott Bonvoy Brilliant® American Express® Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. , please visit this page.
All information about Marriott Bonvoy Brilliant® American Express® Card has been collected independently by CNN Underscored.
To view rates and fees for Hilton Honors American Express Surpass® Card*The information for the Hilton Honors American Express Surpass® Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. , please visit this page.
All information about Hilton Honors American Express Surpass® Card has been collected independently by CNN Underscored.
To view rates and fees for American Express® Gold Card*The information for the American Express® Gold Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. , please visit this page.
All information about American Express® Gold Card has been collected independently by CNN Underscored.
To view rates and fees for Capital One Venture Rewards Credit Card*The information for the Capital One Venture Rewards Credit Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. , please visit this page.
To view rates and fees for Capital One Venture X Rewards Credit Card*The information for the Capital One Venture X Rewards Credit Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. , please visit this page.
To view rates and fees for The Platinum Card® from American Express*The information for the The Platinum Card® from American Express has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. , please visit this page.
All information about The Platinum Card® from American Express has been collected independently by CNN Underscored.
*The information for the following card(s) has been collected independently by CNN Underscored Money: Capital One Venture Rewards Credit Card*The information for the Capital One Venture Rewards Credit Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. , American Express® Gold Card*The information for the American Express® Gold Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. , Capital One Venture X Rewards Credit Card*The information for the Capital One Venture X Rewards Credit Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. , The Platinum Card® from American Express*The information for the The Platinum Card® from American Express has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. , Marriott Bonvoy Boundless® Credit Card*The information for the Marriott Bonvoy Boundless® Credit Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. , Marriott Bonvoy Brilliant® American Express® Card*The information for the Marriott Bonvoy Brilliant® American Express® Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. , Hilton Honors Aspire Card from American Express*The information for the Hilton Honors Aspire Card from American Express has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. , Hilton Honors American Express Surpass® Card*The information for the Hilton Honors American Express Surpass® Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. , American Express® Green Card*The information for the American Express® Green Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. , and Citi Premier® Card*The information for the Citi Premier® Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. . The card details on this page have not been reviewed or provided by the card issuer.
All information about American Express® Gold Card, The Platinum Card® from American Express, Marriott Bonvoy Brilliant® American Express® Card, Hilton Honors Aspire Card from American Express, Hilton Honors American Express Surpass® Card and American Express® Green Card has been collected independently by CNN Underscored.
