credit cards for excellent creditUpdated: September 5, 2017

Do you have excellent credit? If so, banks are actively looking to win you as a new credit card customer by offering some unprecedented deals. Although banks have been more careful about acquiring customers with questionable credit since the 2008 Financial Crisis, they are now fighting harder than ever to win coveted customers with great credit. If you are in the excellent credit sweet spot, they are effectively giving you money (and a lot of it) to use their credit cards. These are the best credit cards for excellent credit we’ve reviewed that you can take advantage of today

Blue Cash Preferred Card from American Express

The Blue Cash Preferred Card from American Express (a NextAdvisor advertiser) is a terrific cash back card that can earn you a ton of extra money. You’ll get 6% cash back at U.S. supermarkets (on up to $6K in purchases annually), 3% at U.S. gas stations and select U.S. department stores like JCP, Kohls and Macy’s, and 1% on everything else. Plus you’ll earn a $150 intro bonus after spending $1,000 on purchases with your new card in the first three months – that’s a 15% cash back bonus on the first $1,000 you spend! This card is a real money-maker, and right now there is a limited-time special offer that will put even more cash back in your pocket – the annual fee to has been reduced to $0 for the first year. After the first year the annual fee is $95, but if you have average spending spending patterns, and especially if you tend to spend more on groceries and gas you should more than earn that back. If you want a similar card that has slightly lower cash back earnings and never has an annual fee, check out the Blue Cash Everyday Card from American Express which gets you 3% back at U.S. supermarkets, 2% back on U.S. gas, and has a $100 intro bonus after spending $1,000 in the first 3 months.

Discover it Cashback Match

If you’re in the market for a great cash back rewards cards that also has a 14-month 0% APR, this is a smart pick. To start, Discover will double the cash back you earn at the end of your first year as a card member. So if you earn $300 in cash back, Discover will match that $300 for a total of $600 cash back! You can really rack up the cash back by earning an ongoing 5% cash back (10% back your first year!) in categories that rotate quarterly (on up to $1,500 in combines purchases, then 1% back), and 1% back on all other purchases.  July through September of 2017 the 5% back category is restaurants, and from October through December they’re Amazon.com and Target – just in time to get 10% back on holiday shopping! In addition to all this, not only can you transfer over balances from your high-interest cards to the Discover it Cashback Match card and pay zero interest for a more than a year (note that there is a 3% balance transfer fee), but you’ll get the same 0% intro APR on new card purchases. Discover it Cashback Match really does have it all – cash back, an extra cash back bonus (2x cashback your first year!), a lengthy 0% intro APR on purchases and balance transfers AND no annual fee.

Citi Simplicity

Shopping for a special item for yourself or someone else? This card will let you make big purchases then carry that balance into 2019 without paying a dime of interest. Citi Simplicity (a NextAdvisor advertiser) features an incredibly lengthy 21-month 0% introductory APR for purchases and balance transfers – the longest intro APR of any card we’ve ever reviewed! And there’s no annual fee, no late fees and no penalty rate. The combination makes this card perfect for anyone looking to make a large purchase (or several purchases) or who is interested in transferring balances from other high-interest credit cards to this one. Either way it’s a smart choice.

Wells Fargo Cash Wise Visa Card

Wells Fargo Cash Wise Visa Card features the highest intro bonus for any cash back card we review – $200 cash back after spending $1,000 in the first 3 months – AND unlimited 1.5% cash back on all purchases. It also has a lengthy 0% intro APR on purchases and balance transfers. The standard reward percentage makes earning cash back on your purchases worry-free, as you don’t have to do anything or remember to sign up for quarterly rewards like some other cards require. Instead you’ll get 1.5% back on every purchase you make. Additionally, there’s a 12-month 0% intro APR on purchases and balance transfers, and to top it all off there’s no annual fee.

Chase Sapphire Preferred

Like to travel? This card is for you. First, it starts off by earning you 2 points for each dollar spent on travel and dining out, and 1 point per dollar on all other purchases. That’s followed up by a 50,000 point intro bonus after spending $4,000 in the first 3 months – equal to a whopping $500 cash back. Redeeming your earned points via Chase’s Ultimate Rewards saves 20% off travel costs, enabling you to stretch that 50,000 point intro bonus into $625 in travel. You can also redeem your points for cash back, gift cards and merchandise.

The best part is that you can transfer your points 11 to many frequent travel programs with no transfer fees, including United MileagePlus, Southwest Rapid Rewards, Hyatt Gold Passport and Marriott Rewards. That means 1,000 points are equal to 1,000 partner miles/points, straightforward and simple. This feature is likely to appeal to road warriors who are members of various partner programs, as users aren’t limited to spending their points via Chase’s rewards program. In fact, according to our travel rewards card analysis, your 50,000 point intro bonus is worth more than $1,000 when transferred to Hyatt’s reward program. There is a $95 annual fee, but it is waived the first year.

Barclaycard Arrival Plus World Elite MasterCard

This is our No. 1 travel rewards card because it offers a lot of value and flexibility. You’ll earn 2 miles per dollar for every purchase, and a bonus 50,000 miles – equal to $500 in travel – after spending $3,000 in the first 3 months of card membership. To use your miles, just book your travel and redeem your miles for a statement credit. You can make your travel arrangements however you’d like (by phone, online, using an agent, etc), fly any airline to any destination, and enjoy no blackout dates.

An added perk of this card is that if you use your miles to pay for travel you’ll receive 5% of those miles back. So redeeming 10,000 miles will actually earn you a 500 mile bonus that will be deposited into your awards bank! That means if you take the 50,000 bonus miles and redeem them for travel they’ll actually be worth 52,500 miles or $525. That’s a pretty nice bonus just for signing up and using the card. Plus there are no foreign transaction fees, so you’ll save money when you travel outside the US. There is a $89 annual fee, but it’s waived the first year. Overall this is a fabulous travel card and we highly recommend it.

Capital One Venture Rewards Card

With a winning combination of great travel rewards and flexible reward redemption, the Capital One Venture Rewards Card hits the spot for anyone in the market for a travel card. You’ll earn a straightforward 2 miles per $1 you spend on all purchases, making it easy to keep track on what you’re earning. Plus you’ll earn 40,000 bonus points – equal to $400 in travel – after spending $3,000 in the first 3 months. To redeem your rewards, just use your card to book your travel and the use your earned miles as a statement credit against the travel you booked. As an added bonus, if you don’t have enough miles to pay for the entire trip you can use as many as you have and pay the difference. The card does have a $59 annual fee, but it’s waived the first year.

TIP: If you’re in the market for a new credit card but don’t think your credit will qualify you for one of these cards, take a look at our top 7 cards for people with less than perfect credit.

Disclaimer: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author’s alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This content was accurate at the time of this post, but card terms and conditions may change at any time. This site may be compensated through the credit card issuer Affiliate Program.