Top 7 Credit Cards for Good to Excellent CreditUpdated: October 11, 2019

If 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. With so many credit card offers, 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 addition to your wallet.

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 14-month 0% intro APR period on purchases and balance transfers (then a variable rate of 13.74%-24.74% applies, 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)) and requires average to excellent credit (a credit score of 670 or higher) for approval — click “Show Details” to see more.

Citi Simplicity Card

The Citi Simplicity Card (a NextAdvisor advertiser) offers an outstanding lengthy 0% intro APR period of 21 months on balance transfers made within the first 4 months of account opening (with a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater). It also offers a 12-month 0% intro APR on purchases, charges no annual fee, no late fee, and no penalty rate. This card is fantastic for anyone with excellent credit who’s looking to transfer high-interest card balances and have a long time to pay them off at no interest.

Chase Sapphire Preferred Card

The Chase Sapphire Preferred card is a firm favorite in the travel community and it’s easy to see why. Not only does this card earn solid rewards rates with 2x points on travel and dining and 1x points on all other spending, but it also offers a highly lucrative sign-up bonus of 60,000 Chase Ultimate Rewards points (after you spend $4,000 in purchases in the first 3 months). When you redeem for travel through the Chase Ultimate Rewards portal you will boost the value by 25%, making those points worth around $750. The annual fee is $95, which is in-line with other travel cards with similar benefits profile. The Sapphire card really stands out though for its easy redemption — with no blackout dates or travel restrictions — and free 1:1 points transfer to popular travel rewards programs.

Bank of America Cash Rewards credit card

The Bank of America Cash Rewards credit card allows you to take control of your rewards. You’ll earn 3% cash back in the category of your choosing, from gas to travel to drug stores, 2% back at grocery stores and wholesale clubs and 1% on everything else ($2,500 a quarter in combined 3% and 2% category purchases). This card doesn’t charge an annual fee and offers an ample $200 online cash bonus when you spend $1,000 in your first 90 days. If you’re a Preferred Rewards member, you’ll enjoy even greater rewards with a 25% to 75% bonus on all purchases.

Capital One Quicksilver Cash Rewards Credit Card

The Capital One Quicksilver Cash Rewards Credit Card offers a $150 bonus to cardholders who spend $500 on purchases within the first 3 months of account opening — that’s like earning 30% cash back on the first $500 spent! On top of that, you’ll earn an unlimited 1.5% cash back on all purchases and pay no annual fee. As if that isn’t enough, cardholders get a 15-month 0% intro APR on purchases and balance transfers (with a 3% balance transfer fee) and no annual fee or foreign transaction fees.

Chase Freedom Unlimited

Chase Freedom Unlimited offers a 15-month 0% intro APR on purchases and balance transfers (with a 3% intro balance transfer fee when you transfer a balance during the first 60 days your account is open, $5 minimum — after that, it’s 5% or $5, whichever is greater). On top of that, you’ll earn a $150 bonus after spending $500 on purchases in the first 3 months. Additionally, you’ll earn an unlimited 1.5% cash back on all purchases. Chase Freedom Unlimited also has no annual fee and a number of added perks. Click “Show Details” to learn more about the card.

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 on purchases for 18 billing cycles (after that, the APR is 14.74% – 24.74% variable), along with a 0% intro APR for 18 billing cycles on balance transfers made in the first 60 days (after that, the APR is 14.74% – 24.74% variable). There’s a 3% balance transfer fee ($10 minimum), but considering how long the 0% intro APR period is, that shouldn’t be a big deal. This card also comes with no annual fee and no penalty APR, which means paying your bill late won’t increase your APR.

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.