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

  • Card Brand

    Visa®

  • Rewards Rate

    See Terms

  • Annual Fee

    See Terms

  • Credit Recommended

    Any Credit History

  • Regular Purchase APR

    See Terms

  • Full Details

    Card Page

Highlights

Get matched to credit cards based on your credit profile
  • Free Experian credit report and FICO® Score* included
  • See estimated approval odds for select cards before you apply
  • Check if you have pre-approved card offers
See your best matches based on you
  • Simply sign in to see the credit cards that best match you
  • Compare your best options and make your choice
  • We apply your FICO® Score so you can apply with confidence
Card Details Page
  • Card Brand

    Visa®

  • Rewards Rate

    n/a

  • Annual Fee

    $0

  • Credit Recommended

    Excellent/Good/Limited/No Credit

  • Regular Purchase APR

    17.49 - 31.49% Variable

  • Full Details

    Card Page

Highlights

We think it’s about time a credit card company helped people succeed financially. That’s why we’ve used modern technology to design credit card products that help you budget, control your spending, and build credit.

  • No fees whatsoever. No late fee, foreign transaction fee, annual fee, or any-other-kind-of-fee, fee.
  • Variable APRs range from 17.49% – 31.49%
  • Up to 1.5% cash back on eligible purchases after making 12 on-time monthly payments.
  • 1% cash back on eligible purchases right away
  • 2% – 10% cash back at select merchants
  • $300 – $10,000 credit limits
  • No credit score? No problem. If eligible, we’ll create your Cash Score instead.
  • See if you’re pre-approved within minutes without impacting your credit score.
  • Build credit alongside hundreds of thousands of Petal card members.
  • Petal reports to all 3 major credit bureaus.
  • No deposits required
  • Card issued by WebBank
Card Details Page

Upgrade Bitcoin Rewards Visa®

Get pre-approved in seconds with no impact to your credit score

  • Card Brand

    Visa®

  • Rewards Rate

    Earn unlimited 1.5% back in bitcoin rewards after you make payments on your purchases

  • Annual Fee

    $0.00

  • Credit Recommended

    Limited to Good

  • Regular Purchase APR

    14.99% - 29.99% APR

  • Full Details

    Card Page

Highlights

    • $200 bonus after opening a Rewards Checking account and making 3 debit card transactions*
    • Earn unlimited 1.5% back in bitcoin rewards after you make payments on your purchases
    • The simple way to earn bitcoin: make purchases on your card, make payments, earn bitcoin
    • No annual fees, no foreign transactions fees
    • Get pre-approved in seconds with no impact to your credit score
    • Pay with your phone or device by using Apple Pay® or Google Pay™
    • 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 account and make 3 qualifying debit card transactions from your Rewards Checking account within 60 days of the date the Upgrade Card account is opened. 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. Your Upgrade Card and Rewards Checking account must be open and in good standing to receive a bonus. If you have previously opened a Rewards Checking account or do not open one as part of this application process, you are not eligible for this welcome bonus offer. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking account as a one-time payout credit within 60 days after the 3rd qualifying card purchase.

    Link to Rates and Terms: https://www.upgrade.com/upgrade-card/bitcoin/program-terms/

    State Exclusions: Not available in DC, Hawaii, Iowa, New Hampshire, North Carolina, West Virginia and Wisconsin

Card Details Page

Upgrade Triple Cash Rewards Visa®

See if you qualify in minutes without hurting your credit score

  • Card Brand

    Visa®

  • Rewards Rate

    n/a

  • Annual Fee

    $0.00

  • Credit Recommended

    Good/Excellent

  • Regular Purchase APR

    14.99% - 29.99% APR

  • Full Details

    Card Page

Highlights

  • $200 bonus after opening a Rewards Checking 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
  • $0 annual fee, $0 activation fees, $0 foreign transaction fees
  • 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 account and make 3 qualifying debit card transactions from your Rewards Checking account within 60 days of the date the Upgrade Card account is opened. 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. Your Upgrade Card and Rewards Checking account must be open and in good standing to receive a bonus. If you have previously opened a Rewards Checking account or do not open one as part of this application process, you are not eligible for this welcome bonus offer. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking account as a one-time payout credit within 60 days after the 3rd qualifying card purchase.

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 Page

Upgrade Cash Rewards Visa®

Earn 1.5% unlimited cash back on card purchases every time you make a payment

  • Card Brand

    Visa®

  • Rewards Rate

    Earn 1.5% unlimited cash back on card purchases every time you make a payment

  • Annual Fee

    $0.00

  • Credit Recommended

    Good/Excellent

  • Regular Purchase APR

    14.99% - 29.99% APR

  • Full Details

    Card Page

Highlights

  • $200 bonus after opening a Rewards Checking 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
  • $0 annual fee, $0 activation fees, $0 foreign transaction fees
  • 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 account and make 3 qualifying debit card transactions from your Rewards Checking account within 60 days of the date the Upgrade Card account is opened. 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. Your Upgrade Card and Rewards Checking account must be open and in good standing to receive a bonus. If you have previously opened a Rewards Checking account or do not open one as part of this application process, you are not eligible for this welcome bonus offer. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking account as a one-time payout credit within 60 days after the 3rd qualifying card purchase.

State Exclusions: DC, IA, WV, WI

Link to Rates and Terms:

https://upgrade.zendesk.com/hc/en-us/articles/360007229514-What-rates-does-Upgrade-offer-on-its-Personal-Credit-Lines

Card Details Page