Top 7 Credit Cards for Good to Excellent CreditIf you have stellar credit, you want a card with the most competitive offer. After all, if your credit qualifies you for the best, you deserve the best. The problem is there are so many credit card offers that it’s hard to determine which cards are worth their salt. To help, we’re detailing the top 7 cards for those with good to excellent credit (usually considered a credit score of 700 or higher). Keep reading to find the perfect new addition to your wallet.

Bank of America Cash Rewards credit card

The Bank of America Cash Rewards credit card offers a $200 bonus to cardholders who spend $500 on purchases in the first 90 days — that’s like earning 40% cash back on the first $500 spent! On top of that, you’ll earn 3% cash back on gas and 2% cash back at grocery stores and wholesale clubs (up to the first $2,500/quarter on gas/grocery/wholesale club purchases). Cardholders will also earn 1% cash back on all other purchases and pay no annual fee. Click “Show Details” to learn about the card’s 0% intro APR period, the customer bonus opportunity and more.

Discover it Cash Back

Discover it Cash Back earns 5% cash back on rotating categories every quarter you activate (up to the quarterly maximum, currently $1,500, then it’s 1%) and 1% cash back on other purchases. Discover will match all of the cash back new cardholders earn at the end of their first year, meaning if you earn $300 in the first year, Discover will match that $300 for a total of $600 back! The Discover it Cash Back card has a long 0% intro APR period and requires average to excellent credit (a credit score of 670 or higher) for approval — click “Show Details” to see more.

Citi Simplicity Card – No Late Fees Ever

The Citi Simplicity Card – No Late Fees Ever (a NextAdvisor advertiser) offers a whopping 21-month 0% intro APR on balance transfers. The balance transfer fee is a bit higher at 5% with a $5 minimum (other cards usually charge 3%), but 21 months is the longest 0% intro APR we’ve seen, usually making the fee worth paying. Cardholders will also get a 12-month 0% intro APR on purchases. Rounding things out are no annual fee no late fees and no penalty APR, which means paying late won’t increase your APR.

Capital One Savor Cash Rewards Credit Card

With the highest intro bonus of any cash back credit card we’ve reviewed (you’ll earn $500 cash back after you spend $3,000 on purchases in the first 3 months), the Capital One Savor Cash Rewards Credit Card is hard to beat. It earns an uncapped 4% cash back on dining and entertainment (movie theaters, tourist attractions and more), 2% cash back at grocery stores and 1% cash back on all other purchases. There are no foreign transaction fees and no annual fee for the first year (then it’s $95).

BankAmericard credit card

If you prefer a straightforward low APR credit card, the BankAmericard credit card is right for you, as it offers a 0% intro APR for 18 billing cycles on purchases and on any balance transfers made in the first 60 days (with a 3% balance transfer fee, $10 minimum) — after the intro purchase and balance transfer APRs expire, a 14.99% to 24.99% variable APR applies. Additionally, this card has no annual fee and no penalty APR, which means paying late won’t increase your APR. Cardholders will also receive monthly updates to their FICO credit score for free.

Capital One Venture Rewards Credit Card

Travel is easy with the Capital One Venture Rewards Credit Card. That’s because this card not only earns an unlimited 2X miles on all purchases, but it also offers 50,000 bonus miles — that’s worth $500 in travel — to cardholders who spend $3,000 on purchases in the first 3 months. Plus, cardholders will earn an unlimited 10X miles when they book through Hotels.com/Venture through Jan. 31, 2020. The card also has no foreign transaction fees and a $0 intro annual fee for the first year (then it’s $95).

Chase Freedom Unlimited

The Chase Freedom Unlimited card kicks things off with a $150 bonus that you’ll earn after spending $500 on purchases in the first 3 months from account opening. Next, the card earns an unlimited 1.5% cash back on every purchase, which means you don’t have to worry about spending limits or rotating categories. Chase Freedom Unlimited also offers a 15-month 0% intro APR on purchases and balance transfers (with a 5% balance transfer fee, $5 minimum), provides cardholders with a free FICO credit score and has no annual fee.

Want to learn more about the cards detailed in this post? Visit our reviews of the best credit cards to see how they compare to other cards on the market.

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.