The Best Credit Cards for Those with Excellent Credit in 2019

Have a high credit score? Check out the plastic you need to get

We are committed to researching and recommending the best financial solutions and products for our readers. The Balance has partnered with CardRatings and may receive commissions from links within our content, but these have no bearing on our reviews or recommendations. The below content has not been reviewed, endorsed, or approved by any card issuers prior to publishing.

Having excellent credit opens up a world of credit card options – with amazing rewards, perks and longer promotional interest rate offers. The hard part isn’t finding a great credit card, it’s narrowing down your choices to just one. We've rounded up the best credit cards for excellent credit. Our list includes:

  • Best Flat-Rate Travel Rewards: Capital One Venture
  • Best Premium Credit Card: The Platinum Card from American Express
  • Best Cash Back Card for Families: Blue Cash Preferred from American Express
  • Best Overall Cash Back: Discover it
  • Best for Balance Transfers: Chase Slate
  • Best Flat Rate Cash Rewards: Capital One Quicksilver
  • Best for Hotel Stays: Hilton Honors American Express Aspire Card

When you’re choosing the best credit card for excellent credit, look at the signup bonuses, perks and the annual fee. Consider your usual spending habits and goal for your credit card – e.g. to earn more cash back or pay off a high-interest rate balance – to choose the right one. Need some help? Read on to see the best credit cards to apply for if you have excellent credit.

01
Best Flat-Rate Travel Rewards: Capital One Venture

Courtesy of Capital One 

What we like: The Capital One Venture pays a 50,000 mile bonus once you spend $3,000 on purchases within 3 months from account opening. It’s one of the biggest one-time bonuses of any credit card.

Ongoing, you’ll earn two miles per dollar on all your purchases. The flat rate rewards structure makes it easy to track the rewards you’ll earn. You'll earn 10 miles per dollar when you use your card to book with Hotels.com.

Receive up to $100 credit as reimbursement for Global Entry or TSA Precheck when you use your card to pay the application fee.

What we don't like: The Capital One Venture doesn't offer any introductory promotional rate on purchases or balance transfers.

  • Minimum Credit Required: Excellent
  • Annual Fee: $95, waived in the first year
  • Intro APR: None offered
  • Ongoing APR: 17.99% to 25.24% variable
  • Balance Transfer Fee: None for balances transferred at the regular APR
  • Cash Advance Fee: $10 or 3% of the cash advance
  • Foreign Purchase Transaction Fee: None
  • Signup Bonus: 50,000 bonus miles after you spend $3,000 in the first three months

View details about this credit card.

02
Best Premium Credit Card: The Platinum Card from American Express

The Platinum Card from American Express
Courtesy of American Express

What we like: The Platinum Card® from American Express offers generous rewards when you use your card for your travel flights. You'll earn five points for every dollar you spend on flights booked directly with airlines or with American Express Travel and five points for every dollar spent on prepaid hotels booked on amextravel.com; and one point for every dollar spent on everything else.

Enjoy up to $200 in Uber savings each year, which is great if you frequently use ridesharing to get around while you're traveling. The Platinum Card gives you access to the Centurion Lounge, a $200 airline fee credit, fee credit for TSA Precheck or Global Entry, travel accident insurance, and several other premium perks.

What we don't like: The high annual fee isn't waived in the first year. You'll have to make great use if this credit card to breakeven on the cost.

  • Minimum Credit Required: Good
  • Annual Fee: $550
  • Intro APR: Not offered
  • Ongoing APR: N/A
  • Balance Transfer Fee: N/A
  • Cash Advance Fee: $10 or 5% of the cash advance
  • Foreign Purchase Transaction Fee: None
  • Welcome Offer: 60,000 Membership Rewards after you make $5,000 in purchases in the first three months

View details about this credit card.

03
Best Cash Back Card for Families: Blue Cash Preferred from American Express

Courtesy of American Express 

What we like: The Blue Cash Preferred® Card from American Express pays 6% cash rewards at U.S. supermarkets on up to $6,000 in purchases each year. That's $360 in cash rewards if you max out the spending.

You'll also earn $3% cash rewards on purchases at U.S. gas stations and 1% on everything else, including groceries over the $6,000 threshold. You'll receive 3% back on ground transportation, including traveling by bus, train, ferry, and so on.

Streaming services are gaining popularity - use your card to pay for your subscriptions and get 6% cash back on select U.S. streaming service. Services include Spotify, Netflix, Hulu, HBO, ShowTime, Pandora, Apple music, and Amazon music or video.

What we don't like: The annual fee isn't waived in the first year.

  • Minimum Credit Required: Excellent/Good
  • Annual Fee: $95
  • Intro APR: 0% on purchases and balance transfers for 12 months
  • Ongoing APR: 15.24% to 26.24% variable
  • Balance Transfer Fee: $5 or 3% of the transfer amount
  • Cash Advance Fee: $5 or 3% of the cash advance
  • Foreign Purchase Transaction Fee: 2.7% of the amount after conversion to U.S. dollars
  • Welcome Offer: $250 back when you spend $1,000 on purchases in the first three months 

View details about this credit card.

04
Best Overall Cash Back: Discover it

Discover it® Card
Courtesy of Discover

What we like: The Discover it pays 5% cash back on up to $1,500 in purchases in categories that rotate each quarter. Just make sure you register online or through the mobile app to earn at the 5% rate. All other purchases earn 1% cash back. As a bonus for new cardholders, Discover will automatically match the cash back you’ve earned at the end of the first year.

You can also take advantage of the 14-month 0% introductory APR on purchases and balance transfers.

Discover also offers Freeze it, an on/off switch that allows you to prevent unauthorized use of your credit card. Plus get your FICO score free each month on your billing statement.

What we don't like: You must keep up with the bonus categories and remember to register so your purchases will earn at the higher rate. 

  • Minimum Credit Required: Good
  • Annual Fee: None
  • Intro APR: 0% for 14 months on balance transfers and purchases
  • Ongoing APR: 14.24% to 25.24% variable
  • Balance Transfer Fee: 3% of the transfer amount that posts to your account by August 10, 2019; after that 5%
  • Cash Advance Fee: $10 or 5% of the cash advance
  • Foreign Purchase Transaction Fee: None
  • Signup bonus: None offered

Check out our other reviews of the best money-back credit cards available on the market today.

05
Best for Balance Transfers: Chase Slate

Chase Slate
Courtesy of Chase

What we like: Chase Slate doesn't charge a balance transfer fee on any balance you transfer during the first 60 days of opening your account. After that, the balance fee is 5% of the amount transferred or a minimum of $5, whichever is greater. On a $10,000 balance, you’ll save $500 just by transferring your balance sooner.

Enjoy a 0% introductory APR on purchases and balance transfers for 15 months from account opening. After that, the regular APR of 17.24 to 25.99% applies. There’s no annual fee and no penalty APR if you miss a payment.

As a Chase cardholder, you can stay on top of your credit score with access to a free FICO score each month, as well as the primary factors are affecting your score.

What we don't like: You may not be eligible for the promotional rate if you have another Chase credit card with a promotional rate.

  • Minimum Credit Required: Excellent
  • Annual Fee: None
  • Intro APR: 0% on Purchases and Balance Transfers for 11 months
  • Ongoing APR: 17.24% to 25.99% variable
  • Balance Transfer Fee: $0 on transfers made in the first 60 days of account opening; after that $5 or 5%
  • Cash Advance Fee: $10 or 5% of the cash advance
  • Foreign Purchase Transaction Fee: 3% of the amount transferred in U.S. dollars
  • Signup Bonus: None Offered

View details about this credit card.

06
Best Flat Rate Cash Rewards: Capital One Quicksilver

What we like: Flat rate cash rewards are simple to earn for people who spread their purchases across different categories. The Capital One Quicksilver pays unlimited 1.5% cash back on all your purchases.

Spend $500 on purchases in the first three months of opening your card, and you'll get a one-time $150 signup bonus.

The card also comes with 24-hour travel assistance services, travel accident insurance, and extended warranty benefits.

What we don't like: The flat rate rewards aren't ideal for frequent travelers with excellent credit. If you spend heavily on travel, you can benefit more from a card that pays higher rewards on travel purchases.

  • Minimum Credit Required: Excellent
  • Annual Fee: None
  • Intro APR: 0% on purchases and balance transfers for 15 months
  • Ongoing APR: 16.24% to 26.24% variable
  • Balance Transfer Fee: 3% of the transfer amount for the first 15 months; None after the first 15 months.
  • Cash Advance Fee: $10 or 3% of the cash advance
  • Foreign Purchase Transaction Fee: None
  • Signup Bonus: $150 cash bonus when you spend $500 in the first three months.

07
Best for Hotel Stays: Hilton Honors American Express Aspire Card

Hilton Honors Aspire Card from American Express
Courtesy of American Express

What we like: You'll earn high rewards on your purchases. Earn 14x Hilton Honors bonus points at participating hotels or resorts; 7x points on flights booked directly with airlines or amextravel.com, car rentals book from select car rental companies, and U.S. restaurants; finally earn 3x points on all other eligible purchases.

The Hilton Honors Aspire Card comes with complimentary Diamond status, $250 Hilton resort statement credit each year, and one weekend night reward each year after renewal. Plus, you'll earn an additional night after you spend $60,000 on purchases on your card in a calendar year.

What we don't like: The card comes with a steep annual fee that you'll want to pay off immediately so you're not charged interest. The annual resort statement credit and free weekend night help offset the annual fee, but you'll need to use your card heavily to make it worth the cost.

  • Minimum Credit Required: Excellent
  • Annual Fee: $450
  • Intro APR: None offered
  • Ongoing APR: 17.99% to 26.99% variable
  • Balance Transfer Fee: $5 or 3% of the transfer amount
  • Cash Advance Fee: $5 or 3% of the cash advance
  • Foreign Purchase Transaction Fee: None
  • Welcome Offer: 150,000 Hilton Honors bonus points after you spend $4,000 in the first three months

About Our Reviews

We are committed to researching and recommending the best financial solutions and products for our readers. The Balance has partnered with CardRatings and may receive commissions from links within our content, but these have no bearing on our reviews or recommendations. The above content has not been reviewed, endorsed, or approved by any card issuers prior to publishing.