Credit Cards for Excellent Credit
Individuals with excellent credit usually have no trouble finding a new credit card. However, they may encounter a different challenge: comparing numerous offers to determine the best one. Credit cards designed for individuals with excellent credit often offer superior benefits, low interest rates, and attractive reward programs, among other perks. While you are well-positioned to obtain the perfect credit card, it is advisable to compare multiple offers before making a final decision. To assist you in this process, we have outlined some of the best credit cards available for individuals with excellent credit.
Experian Credit Match
Get matched to credit cards based on your credit profile
- Rating
- Credit Recommended
Any Credit History
- Regular Purchase APR
See Terms
- Annual Fee
See Terms
- Updated For
Thu 18 Apr 2024
- Full Details
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Card Brand
MasterCard®
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Rewards Rate
n/a
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Annual Fee
n/a
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Credit Recommended
Good/Excellent
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Regular Purchase APR
13.24% - 18.00% (V)
- Full Details
Highlights
- As low as 13.24% APR
- Introductory 0% APR on balance transfer for 12 months
- Earn 10,000 bonus Rewards Points when you spend $2,000 in the first 60 days
- Earn 1 point for every $1 spent on everyday purchases
- Points never expire while account is open and in good standing
- Redeem points for travel, merchandise, events and activities, charitable donations, and gift cards
First Tech Choice Rewards World Mastercard®
Redeem Reward Points for travel, merchandise, events, experiences, gift cards and cash
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Card Brand
MasterCard®
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Rewards Rate
n/a
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Annual Fee
n/a
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Credit Recommended
Good/Excellent
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Regular Purchase APR
13.50% - 18.00% Variable APR
- Full Details
Highlights
- Earn 20,000 bonus points when you spend at least $3,000 within the first 60 days of opening your new Choice Rewards World Mastercard®. That’s a $200 value.
- Earn 20,000 bonus Rewards Points when you spend $3,000 in the first 60 days
- Earn 2 Rewards Points for every $1 spent on groceries, gas, electronics, medical, household goods and telecommunications and 1 Reward Point for every $1 spent on all other purchases
- Redeem Reward Points for travel, merchandise, events, experiences, gift cards and cash
- No points maximum and your points never expire
Aspire® Cash Back Reward Card
Up to $1,000 credit limit subject to credit approval
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Card Brand
MasterCard®
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Rewards Rate
Up to a 3% Cash Back Reward
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Annual Fee
As low as $85
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Credit Recommended
Fair
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Regular Purchase APR
29.99% or 36% Fixed
- Full Details
Highlights
- Earn 3% Cash Back Rewards* on Gas, Groceries and Utility Bill Payments
- Earn 1% Cash Back Rewards* on all other eligible purchases
- Up to $1,000 credit limit subject to credit approval
- Prequalify** without affecting your credit score
- No security deposit
- Free access to your VantageScore 4.0 score from TransUnion®†
*See Program Terms for important information about the cash back rewards program.
** Prequalify means that you authorize us to make a soft inquiry (that will not affect your credit) to create an offer. If you accept an offer a hard inquiry will be made. Final approval is not guaranteed if you do not meet all applicable criteria (including adequate proof of ability to repay). Income verification through access to your bank account information may be required.
† Your credit score will be available in your online account starting 60 days after your account is opened. (Registration required.) The free VantageScore 4.0 credit score provided by TransUnion® is for educational purposes only. This score may not be used by The Bank of Missouri (the issuer of this card) or other creditors to make credit decisions.
Card Details PageUpgrade Triple Cash Rewards Visa®
See if you qualify in minutes without hurting your credit score
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Card Brand
Visa®
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Rewards Rate
n/a
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Annual Fee
$0.00
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Credit Recommended
Good/Excellent
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Regular Purchase APR
14.99% - 29.99% APR
- Full Details
Highlights
- $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*
- Unlimited cash back on payments: 3% on Home, Auto, and Health categories and 1% on everything else after you make payments on your purchases
- No annual fee
- Combine the flexibility of a credit card with the predictability of a personal loan
- No touch payments with contactless technology built in
- See if you qualify in minutes without hurting your credit score
- Great for large purchases with predictable payments you can budget for
- Mobile app to access your account anytime, anywhere
- Enjoy peace of mind with $0 Fraud liability
*To qualify for the welcome bonus, you must open and fund a new Rewards Checking Plus account through Upgrade and make 3 qualifying debit card transactions from your Rewards Checking Plus account within 60 days of the date the Rewards Checking Plus account is opened. If you have previously opened a checking account through Upgrade or do not open a Rewards Checking Plus account as part of this application process, you are not eligible for this welcome bonus offer. Your Upgrade Card and Rewards Checking Plus account must be open and in good standing to receive a bonus. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade VISA® Debit Card Agreement and Disclosures for more information. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking Plus account as a one-time payout credit within 60 days after meeting the conditions.
State Exclusions: DC, IA, WV, WI
Link to Rates and Terms:
https://upgrade.zendesk.com/hc/en-us/articles/1260804318969-Upgrade-Triple-Cash-Back-Rewards-Details
Card Details PageUpgrade Cash Rewards Visa®
Earn 1.5% unlimited cash back on card purchases every time you make a payment
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Card Brand
Visa®
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Rewards Rate
Earn 1.5% unlimited cash back on card purchases every time you make a payment
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Annual Fee
$0.00
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Credit Recommended
Good/Excellent
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Regular Purchase APR
14.99% - 29.99% APR
- Full Details
Highlights
- $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*
- Earn 1.5% unlimited cash back on card purchases every time you make a payment
- Combine the flexibility of a credit card with the predictability of a personal loan
- No annual fee
- No touch payments with contactless technology built in
- See if you qualify in minutes without hurting your credit score
- Great for large purchases with predictable payments you can budget for
- Mobile app to access your account anytime, anywhere
- Enjoy peace of mind with $0 Fraud liability
*To qualify for the welcome bonus, you must open and fund a new Rewards Checking Plus account through Upgrade and make 3 qualifying debit card transactions from your Rewards Checking Plus account within 60 days of the date the Rewards Checking Plus account is opened. If you have previously opened a checking account through Upgrade or do not open a Rewards Checking Plus account as part of this application process, you are not eligible for this welcome bonus offer. Your Upgrade Card and Rewards Checking Plus account must be open and in good standing to receive a bonus. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade VISA® Debit Card Agreement and Disclosures for more information. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking Plus account as a one-time payout credit within 60 days after meeting the conditions.
State Exclusions: DC, IA, WV, WI
Link to Rates and Terms:
Card Details PageUpgrade Life Rewards Visa®
$200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*
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Card Brand
Visa®
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Rewards Rate
3% Cash Back on payments for Gas, Grocery, Health, Streaming, and Utility categories , 1% cash back on everything else (Target and Walmart earn 1%)
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Annual Fee
$0.00
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Credit Recommended
Good/Excellent
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Regular Purchase APR
14.99% - 29.99% APR
- Full Details
Highlights
- $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*
- 3% Cash Back on payments for Gas, Grocery, Health, Streaming, and Utility categories , 1% cash back on everything else (Target and Walmart earn 1%)
- Pay your balance in full early each month and avoid interest with EarlyPay**
- Combine the flexibility of a credit card with the predictability of a personal loan
- No annual fee
- No touch payments with contactless technology built in
- See if you qualify in minutes without hurting your credit score
- Great for large purchases with predictable payments you can budget for
- Mobile app to access your account anytime, anywhere
* To qualify for the welcome bonus, you must open and fund a new Rewards Checking Plus account through Upgrade and make 3 qualifying debit card transactions from your Rewards Checking Plus account within 60 days of the date the Rewards Checking Plus account is opened. If you have previously opened a checking account through Upgrade or do not open a Rewards Checking Plus account as part of this application process, you are not eligible for this welcome bonus offer. Your Upgrade Card and Rewards Checking Plus account must be open and in good standing to receive a bonus. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade VISA® Debit Card Agreement and Disclosures for more information. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking Plus account as a one-time payout credit within 60 days after meeting the conditions.
State Exclusions: DC, IA, WV, WI
Link to Rates and Terms:
Card Details PageAvant Credit Card
Fast and easy application process
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Card Brand
MasterCard®
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Rewards Rate
n/a
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Annual Fee
$59
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Credit Recommended
Fair to Good
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Regular Purchase APR
35.99% Variable
- Full Details
Highlights
- No deposit required
- Reports to all three major credit bureaus
- No penalty APR
- No hidden fees
- Late Fee up to $39
- We may periodically review your account for credit line increases
- Fast and easy application process
- Help strengthen your credit history with responsible use
- Zero fraud liability for unauthorized charges
- Conveniently pay your card through our online portal, 24/7
- Get Mastercard® ID Theft Protection by Mastercard
- Disclosure: If you are charged interest, the charge will be no less than $1.00. Cash Advance Fee 3%, Min: $10
- Checking your eligibility does not affect your credit score
- Avant branded credit products are issued by WebBank, member FDIC
- See the Provider’s terms for more information
Upgrade Select Visa®
See if you qualify in minutes without hurting your credit score
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Card Brand
Visa®
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Rewards Rate
n/a
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Annual Fee
$39.00
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Credit Recommended
Fair
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Regular Purchase APR
21.96% -29.99% APR
- Full Details
Highlights
- $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*
- Combine the flexibility of a card with the predictability of a personal loan
- No touch payments with contactless technology built in
- See if you qualify in minutes without hurting your credit score
- Mobile app to access your account anytime, anywhere
*To qualify for the welcome bonus, you must open and fund a new Rewards Checking Plus account through Upgrade and make 3 qualifying debit card transactions from your Rewards Checking Plus account within 60 days of the date the Rewards Checking Plus account is opened. If you have previously opened a checking account through Upgrade or do not open a Rewards Checking Plus account as part of this application process, you are not eligible for this welcome bonus offer. Your Upgrade Card and Rewards Checking Plus account must be open and in good standing to receive a bonus. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade VISA® Debit Card Agreement and Disclosures for more information. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking Plus account as a one-time payout credit within 60 days after meeting the conditions.
State Exclusions: DC, IA, WV, WI, CT, GA, MA
Link to Rates and Terms:
Card Details Page