With Excellent Credit you are Ready For Best Card Offers

With an excellent credit, your credit-building mission is accomplished. If your FICO score is well above 740 you’ll be fine and all the best offers will be open for you. 

There are all different types of cards in every category that you can choose. We just highlighted the best offers in different categories: rewards, travel, low APR and no annual fee, miles, and cash back, to name a few.

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at issuer’s secured site
excellent
intro purchase APR no intro offerregular APR12.99 - 23.99% (V)
intro BT APR 0% for 6 months 3% min $5 BT fee
rewards 1% 2% 5% +$25 bonus
  • earn 5% back on two categories that you can choose by yourself - e.g. dining, groceries, gas and more. $2,000 combined purchases quarterly limit apply. Categories list changes quarterly.
  • earn 2% on one extra category that you choose quarterly
  • 1% on all other purchases
  • plus you get $25 bonus each time you redeem $100 and more cashback in a single transaction

no annual fee

5% on 2 categories you choose quarterly

2% on 1 category you choose quarterly

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at issuer’s secured site
good credit
intro purchase APR no intro offerregular APR16.24 - 23.24% (V)
intro BT APR no 16.24%
rewards 1x-2x points on $1 +50,000 bonus
  • earn 2x points on travel and dining out 
  • get 50,000 bonus after spending $4,000 in the first 3 months
  • get 5,000 bonus miles after adding authorized user in 3 months after account opening
  • only 10,000 points for spending $500 in the first 3 months for a basic no annual fee Sapphire card
  • 20% off for travel related expences

 

$95 annual fee, waived for the first year

or no annual fee for basic Sapphire card

2x points on travel and dining

1 point per dollar on all other purchases as usual

card is made of metal

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at issuer’s secured site
excellent
intro purchase APR no intro offerregular APR15.49 - 19.49% (V)
intro BT APR 15.49-19.49% 3% BT fee $5 min
rewards 1 or 5 points per dollar +25,000 welcome bonus
  • earn 5x points on reservations directly at Starwood Preferred Guest program hotels:
  • you get 3 points as a program member
  • you get 2 points as a cardmember 
  •  1 point per dollar on all other purchases
  • 25,000 points if you spend $3,000 in the first 3 months of the card

$95 annual fee, waived for the first year

best hotel rewards program

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at issuer’s secured site
excellent
intro purchase APR 0% for 12 monthsregular APR15.24 - 23.24% (V)
intro BT APR 15.24-23.24% 3% min $10
rewards 1.5 points/$1 +20,000 intro bonus
  • earn 1.5 points for every $1 on all purchases
  • get 20,000 signup bonus after spending $1000 in the first 3 months
  • redeem points as a statement credit to offset your travel spending balance 

no annual fee

1.5% rewards rate on all purchases

20,000 intro bonus

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at issuer’s secured site
excellent
intro purchase APR no intro offerregular APR7.50% (V)
intro BT APR 7.50% no BT fee

Excellent Credit Required - Applicants that do not have excellent credit will not be approved

Low 7.50% variable standard purchase APR and platinum benefits

No balance transfer fee for balances transferred in response to this online offer

No Annual Fee

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at issuer’s secured site
excellent
good credit
intro purchase APR no intro offerregular APR16.24%, 20.24% or 23.24%* Variable
intro BT APR 0% for 12 months (on balance transfers made within 45 days of account opening) 3%, Minimum $5
rewards 2x miles on all purchases + 50,000 miles on sign up

$89 - waived first year

Earn 50,000 bonus miles after you spend $3,000 on purchases in the first 90 days — that's enough to redeem for a $500 travel statement credit

Earn 2X miles on all purchases

Redeem for travel or cash back statement credits, gift cards and merchandise. Redemption values vary

Get 5% miles back to use toward your next redemption, every time you redeem

Miles don't expire as long as your account is open, active and in good standing

No foreign transaction fees on anything you buy while in another country

0% introductory APR for 12 months on Balance Transfers made within 45 days of account opening. After that, a variable APR will apply, 16.24%, 20.24% or 23.24%, based on your creditworthiness. Please note, there is a fee for balance transfers

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at issuer’s secured site
excellent
good credit
intro purchase APR no intro offerregular APR16.24%, 20.24% or 24.24% Variable
intro BT APR 0% for 12 months 3% BT fee $5 min
rewards 2x miles on travel and dining, 1x miles on all other purchases, 20,000 sign up bonus

Earn 20,000 bonus miles after you spend $1,000 on purchases in the first 90 days — that's enough to redeem for a $200 travel statement credit

Earn 2X miles on travel & dining and 1X miles on all other purchases

Get 5% miles back to use toward your next redemption, every time you redeem

Chip card technology, so paying for your purchases is more secure at chip-card terminals in the U.S. and abroad

No foreign transaction fees on anything you buy while in another country

0% introductory APR for 12 months for each Balance Transfer made within 45 days of account opening. After that, a variable APR will apply, currently 16.24%, 20.24% or 24.24%, depending on your creditworthiness

Complimentary online FICO® Credit Score access for Barclaycard Arrival cardmembers

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at issuer’s secured site
excellent
intro purchase APR no intro offerregular APR13.99% (V)
intro BT APR 0% for 12 months 3% BT fee min $10
rewards 2% per dollar 
  • get 2% on all purchases 
  • need to have Fidelity account - free, no minimum, no maintenance fee

no annual fee

2% flat rate cash back

need open Fidelity account (free)

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at issuer’s secured site
excellent
intro purchase APR no intro offerregular APR12.99 - 21.99% (V)
intro BT APR 0% for 12 months 3% BT fee $5 min
rewards 1.25% 1.5% 1.75% 
  • earn 1.25% cash back if you spent up to $2,000 a month
  • 1.5% if you spent $2,000-$4,000 a month or have a PNC Performance checking account
  • 1.75% if you spent more than $4,000 or have a PNC Performance Select checking account

 

no annual fee

1.25%-1.75 cash back rate

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at issuer’s secured site
excellent
intro purchase APR no intro offerregular APR9.50% (V)
intro BT APR 9.50% no BT fee
rewards no sign-up bonus 1 point/$1
  • earn 1 rewards point for every $1 spent on the card
  • points can be redeemed for us based airlines travel, hotel and vacation packages, gift cards or cash 

Excellent Credit Required - Applicants that do not have excellent credit will not be approved

Low 9.50% variable standard purchase APR and platinum benefits

No balance transfer fee for balances transferred in response to this online offer

Travel Rewards - cardholders who enroll in the program receive one point per net dollar spent

Choose any U.S. based airline or ticket class. No blackout dates or seating restrictions

Other travel related options are hotels, cruises, vacation packages, car rental, and restaurants

No Annual Fee

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Do not forget to maintain and improve your credit by keeping good spending habits that lead you to your excellent credit. Pay on time, do not over spend, and use less than 7% of available credit.



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