Updated: 05/14/2017

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.

intro purchase APR 0% APR offerregular APR*see offers
intro BT APR 0% BT APR offer *see offers
rewards earn miles for your spending 
excellent / good credit required

no annual fee

no foreign transaction fee

read review

intro purchase APR no intro offerregular APR16.49 - 23.49% (V)
intro BT APR no intro offer 16.49 - 23.49%
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
  • 25% more in travel redemption

 

good credit required

$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

the card is made of metal

read review
intro purchase APR no intro offerregular APR11.25% (V)
intro BT APR 11.25% 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 required

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

Low 11.25% 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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intro purchase APR 0% for 12 monthsregular APR14.49 - 23.49% (V)
intro BT APR 0% for 12 months 3% min $5 BT fee
rewards 1% 2% 5% +$55 bonus
  • earn 5% back on two categories that you can choose by yourself 
  • earn 2% on restaurants
  • 1% on all other purchases
  • plus you get $25 bonus each time you redeem $100 and more cashback in a single transaction
excellent required

no annual fee

5% on 2 categories you choose quarterly

2% on 1 category you choose quarterly

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intro purchase APR no intro offerregular APR15.74 - 19.74% (V)
intro BT APR 15.74-19.74% 3% BT fee $5 min
rewards 1 or 5 points per dollar +35,000 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
  • extra 10,000 bonus Starpoints after you make an additional $2,000 in purchases within the first 6 months
excellent required

$95 annual fee, waived for the first year

best hotel rewards program

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intro purchase APR 0% for 12 monthsregular APR15.49 - 23.49% (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 
excellent required

no annual fee

1.5% rewards rate on all purchases

20,000 intro bonus

read review
intro purchase APR no intro offerregular APR9.25% (V)
intro BT APR 9.25% no BT fee
excellent required

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

Low 9.25% variable standard purchase APR and platinum benefits

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

No Annual Fee

read review
intro purchase APR no intro offerregular APR17.49 - 17.49% (V)
intro BT APR no intro offer no BT fee
rewards 2 miles/$1 +50,000
  • 50000 miles sign up bonus if you spend $4500 in the first 3 months
  • redeem miles with ease as a statement credit for all travel expenses
excellent required

$0 first-year annual fee, $59 after

Earn 2% No Hassle Miles on all purchases. Up to 50,000 sign up bonus

read review
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
excellent required

no annual fee

2% flat rate cash back

need to open Fidelity account (free)

read review
intro purchase APR no intro offerregular APR13.49 - 22.49% (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

 

excellent required

no annual fee

1.25%-1.75 cash back rate

read review

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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