credit cards for excellent creditUpdated: May 15, 2018

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.

Discover it Cashback Match

If you’re in the market for a great cash back rewards cards that also has a long 0% APR, this is a smart pick. To start, Discover will match 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 (an effective 10% back your first year after the Cashback Match Bonus) in categories that rotate each quarter you activate (on up to $1,500 in combined purchases, then 1% back), and 1% back on all other purchases. From January through March, you’ll earn 5% back at gas stations and wholesale clubs! In addition to all this, cardholders will get a 14-month 0% intro APR on purchases and balance transfers (then it’s 13.49% to 24.49% variable), with a 3% balance transfer fee. 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.

Amex EveryDay Credit Card from American Express

When it comes to balance transfers, you can’t go wrong with The Amex EveryDay Credit Card from American Express (a NextAdvisor advertiser). This card holds the top spot in our balance transfer credit card reviews because it offers a 15-month 0% intro APR on balance transfers requested in the first 60 days (then the APR is 14.49% – 25.49% variable) and has no balance transfer fee for transfers made in the same 60-day period, which can save you a boatload of money! In fact, a $0 intro balance transfer fee can save you hundreds of dollars in fees, while the 0% intro APR allows you to escape your current credit card’s interest rates. In addition, the 15-month 0% intro APR also extends to purchases (then its 14.49% – 25.49% variable), and the card has $0 annual fee. Even better, The Amex EveryDay Credit Card from American Express earns rewards, which means it’s a balance transfer credit card that makes sense to keep in your wallet long after the 0% intro APR expires! Those who spend $1,000 on purchases in the first 3 months will earn 10,000 Membership Rewards points — that’s worth $100 when redeemed through American Express Travel! In terms of ongoing rewards, you’ll earn 2 points per $1 spent at U.S. supermarkets (up to $6,000/year in purchases, then it’s 1 point per $1) as well as 1 point per $1 spent on all other purchases. If you use your card to make 20 or more purchases in a billing cycle, you’ll get 20% more points on those purchases! This card also requires good to excellent credit (typically thought to be a credit score of 700 or higher) for approval. All in all, The Amex EveryDay Credit Card from American Express is a great card for anyone looking for a combination of a balance transfer and rewards credit card.

Wells Fargo Cash Wise Visa Card

The 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.

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 50,000 bonus miles – equal to $500 in travel!! – after spending $3,000 in the first 3 months of account opening, and from now through Jan. 22, 2020, you’ll earn unlimited 10X miles on hotel bookings made with the card at Hotels.com/Venture, which is huge for any traveler! Plus, you’ll earn a straightforward 2 miles per $1 you spend on all other purchases, making it easy to keep track of what you’re earning. To redeem your rewards, just use your card to book your travel, and then use your earned miles as a statement credit against the travel you booked. You can also use your miles to book travel directly through Capital One Rewards Center. 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 has a $0 intro annual fee for the first year (it’s $95 after that) and no foreign transaction fees.

Blue Cash Preferred Card from American Express

The Blue Cash Preferred Card from American Express is a terrific cash back card that can earn you a ton of extra money. You’ll earn a whopping $200 intro bonus after spending $1,000 on purchases with your new card in the first three months – that’s a 20% cash back bonus on the first $1,000 you spend! Plus you’ll get an ongoing 6% cash back at U.S. supermarkets (on up to $6,000 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. In addition, you’ll enjoy a 12-month 0% intro APR on purchases and balance transfers, then a variable rate, currently 14.49% – 25.49%. There is an annual fee of $95, but if you have average spending patterns, and especially if you tend to spend more on groceries and gas, you should more than earn it back each year. 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 $150 intro bonus after spending $1,000 in the first 3 months.

Citi Simplicity Card – No Late Fees Ever

Shopping for a special item for yourself or someone else, or are you interested in a great balance transfer card? If so, the Citi Simplicity Card – No Late Fees Ever (a NextAdvisor advertiser) features a lengthy 18-month 0% intro APR for purchases and balance transfers – one of the longest intro APRs of any card we’ve reviewed. With this long intro APR, you can sail straight into 2019 without paying a dime of interest. The card does have a hefty 5% balance transfer fee ($5 min) to consider, but this one-time fee may save you more than paying a higher interest rate on another card. There’s also no annual fee, no penalty APR and no late fees — ever. The Citi Simplicity Card’s perks and benefits make it the perfect card 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.

Barclays Arrival Premier World Elite Mastercard

While most of the cards in this post offer a signup bonus, meaning a bonus you’ll receive after spending a set amount in the first 3 months or so, the Barclays Arrival Premier World Elite Mastercard is the only card we review that offers an annual loyalty bonus, giving you the opportunity to earn 75,000+ miles every year you have the card. Add in the card’s impressive ongoing rewards and perks, and you have one well-rounded travel credit card. First, you’ll earn an unlimited 2X miles per $1 spent on all purchases. Next, when you spend $15,000 on purchases in a year, you’ll get 15,000 bonus miles, and then after spending $10,000 more on purchases in the same year, you’ll get an additional 10,000 bonus miles — that totals 25,000 bonus miles! Since you also earn 2X miles on the $25,000 spent to earn the bonuses, you’ll get another 50,000 miles, bringing the total to 75,000 bonus miles — worth $750 in travel!  Miles earned with the Barclays Arrival World Elite Mastercard can be redeemed for travel statement credit (this gives you the best value), travel, merchandise or gift cards. The card’s miles hold a high average flight and hotel value of $2.00 per $100 spent, according to our travel rewards card analysis. While it does have a high annual fee of $150, the Barclays Arrival World Elite Mastercard’s annual bonus opportunity more than covers that fee. Plus, you’ll pay no foreign transaction fees, receive a $100 automatic statement credit to cover one Global Entry application fee every 5 years and get access to more than 800 airport lounges worldwide (note that there’s a $27/person fee). Overall, the Barclays Arrival Premier World Elite Mastercard is a great option for any world traveler with excellent credit who wants to be rewarded for their loyalty to a card.

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.