credit cards for excellent creditUpdated: Sept. 21, 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 Cash Back

If you’re in the market for a great cash back rewards cards that also has a long 0% APR, the Discover it Cash Back card 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 — up to the quarterly cap — for the 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. Rotating categories provide a lot of earning potential, as you’ll earn rewards on a number of different categories throughout the year. For example, 2018’s categories include gas stations and wholesale clubs from January to March, grocery stores from April to June, restaurants from July to September as well as Amazon.com and wholesale clubs from October to December. In addition to all this, cardholders will get a 14-month 0% intro APR on purchases and balance transfers (then it’s 13.74% to 24.74% variable), with a 3% balance transfer fee. The Discover it Cash Back card really does have it all – cash back, an extra cash back bonus (2X cash back your first year!), a lengthy 0% intro APR on purchases and balance transfers AND no annual fee.

Bank of America Cash Rewards credit card – $200 Cash Rewards Offer

The Bank of America Cash Rewards credit card features the highest intro bonus with the lowest spend of any cash back card we review. Cardholders who apply online will earn $200 online cash rewards after spending $500 on purchases in the first 90 days of account opening — that’s a 40% bonus! In terms of ongoing rewards, the Bank of America Cash Rewards credit card earns 3% cash back on gas and 2% cash back at wholesale clubs and grocery stores (up to $2,500/quarter in combined gas/grocery/wholesale club purchases, then it’s 1% back), along with 1% cash back on all other purchases. Cash back rewards earned with the card can be redeemed as a statement credit, a check or an electronic deposit into a Bank of America checking or savings account — the last option will earn a 10% customer bonus every time you redeem! What’s more, Bank of America Preferred Rewards clients can earn a bonus of 25% to 75%, depending on their relationship status, when they redeem their cash back rewards as a deposit into their Bank of America account. The Bank of America Cash Rewards credit card also has a lengthy 0% intro APR on purchases and balance transfers, as cardholders receive a 0% intro APR on purchases for 12 billing cycles (then a 14.99% to 24.99% variable APR applies), as well as a 0% intro APR for 12 billing cycles on balance transfers made in the first 60 days of account opening (then a 14.99% to 24.99% variable APR applies). There’s a balance transfer fee of 3% or $10, whichever is greater, but this fee is likely a lot lower than the ongoing interest you’re paying on your current credit card. Rounding out this top-rated cash back credit card, which is available to those with good to excellent credit (usually considered a credit score of 700 or higher), is no annual fee.

Citi Diamond Preferred Mastercard – 21 Month Balance Transfer Offer

Are you interested in a great balance transfer card? If so, the Citi Diamond Preferred Mastercard (a NextAdvisor advertiser) features a lengthy 21-month 0% intro APR on balance transfers – the longest intro APRs of any card we’ve reviewed. With this long intro APR, you can sail straight into 2020 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 and a nice 12-month 0% intro APR on purchases. The Citi Diamond Preferred Mastercard’s perks and benefits make it the perfect card for anyone who is interested in transferring balances from other high-interest credit cards to this one.

Capital One Savor Cash Rewards Credit Card

When it comes to cash back intro bonuses, you can’t get much better than the Capital One Savor Cash Rewards Credit Card. That’s because this card offers the highest cash back intro bonus we’ve seen. Cardholders who spend $3,000 on purchases within the first 3 months from account opening will get a hefty $500 bonus! On top of that, the Capital One Savor Cash Rewards Credit Card earns some top-notch ongoing rewards. You’ll earn unlimited 4% cash back on dining and entertainment, 2% cash back at grocery stores and 1% cash back on all other purchases. The “entertainment” category includes a number of different purchases, including those made at movie theaters, amusement parks, zoos, tourist attractions and more, offering a lot of rewards potential. The Capital One Savor Cash Rewards Credit Card, which is available to those with good to excellent credit (usually considered a credit score of 700 or higher), also offers a whole host of added perks, like extended warranty, car rental insurance and price protection. The card does have a $95 annual fee, but it’s waived for the first year and there are no foreign transaction fees, meaning it’s a good option for world travelers. Prefer a card with no annual fee and comparable rewards? If so, the Capital One SavorOne Cash Rewards Credit Card might be a better fit for you.

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.

Wells Fargo Propel American Express Card

The Wells Fargo Propel American Express Card is a terrific credit card that can earn you a ton of extra rewards on a number of different categories. You’ll earn a whopping 30,000-point bonus — equal to $300 cash back! — after spending $3,000 on purchases with your new card in the first 3 months. Plus, you’ll get an uncapped 3X points on dining out or ordering in, popular streaming services (including Netflix and Spotify) and travel, which includes flights, hotels, homestays, car rentals and more. You’ll also earn 3X points for gas station, rideshare and transit purchases, which is perfect for any commuter, and 1 point per $1 spent on all other purchases. In addition, you’ll enjoy a 12-month 0% intro APR on purchases and balance transfers (with an intro balance transfer fee of 3% for 12 months, then it’s 5%). What’s more, when you use your Wells Fargo Propel American Express Card to pay your monthly cell phone bill, you’ll receive up to $600 of mobile protection against covered damage or theft (note that there’s a $25 deductible). As if that isn’t enough, this card also has no annual fee and no foreign transaction fees.

Chase Sapphire Preferred

Like to travel? This card is for you. First, it starts off by earning you 2 points for each $1 spent on travel and dining out and 1 point per $1 on all other purchases. That’s followed up by a 50,000-point intro bonus that you’ll earn after spending $4,000 on purchases 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 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 Credit Card Analysis, your 50,000-point intro bonus holds the most value when the points are transferred to Hyatt’s reward program. There is a $95 annual fee, but it is 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.