Best Credit Cards for Excellent Credit of October 2019

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Having excellent credit allows you to qualify for the best credit cards on the market, giving you access to low interest rates, high rewards, and excellent perks. Because you essentially have your pick of any card, we've highlighted ones with the best combination of rewards and low fees, making them great cards for everyday use.

Editors' Picks

Best Overall

Capital One® Quicksilver® Cash Rewards Credit Card

Our Rating Among Excellent Credit Cards
4.9
Capital One® Quicksilver® Cash Rewards Credit Card
Recommended Credit Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Good - Excellent
Regular APR (%) 15.74% - 25.74% variable
Annual Fee $0
Rewards Earning Rate 1.5 % Cash Back on every purchase, every day.
INTRO PURCHASE APR 0% for 15 Months
Foreign transaction fee (%) 0%

Why We Chose This Card

With a perfect mix of rewards and low fees, Quicksilver Cash Rewards Card tops several of our “best” lists. For people with excellent credit, we consider this the best card with cash-back rewards, no annual fee, and for financing large purchases. The low minimum spend makes the sign-up bonus fairly easy to earn, giving you a quick boost to your rewards pile early on. The consistent rewards rate makes maximizing the value as about as uncomplicated as it gets. Plus, international travelers get the benefit of paying no foreign transaction fees.

Best for Domestic Travelers

Discover it® Miles

Our Rating Among Excellent Credit Cards
4.8
Discover it® Miles
Recommended Credit Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Good - Excellent
Regular APR (%) 13.74% - 24.74% variable
Annual Fee $0
Rewards Earning Rate Earn unlimited 1.5x Miles for every dollar spent on all purchases
INTRO PURCHASE APR 0% for 14 Months
Foreign transaction fee (%) 0%

Why We Chose This Card

In addition to solid rewards and low fees, this card offers an unconventional and valuable sign-up bonus that effectively doubles the rewards you earn in your first year with the card. You'll fare better with that bonus if you're willing to use the card exclusively, and the introductory interest rate promotion and no annual fee sweeten the deal. Those who crave simplicity and flexibility will enjoy the ease of earning and redeeming rewards. Plus, Discover has a great reputation for customer satisfaction.

Best for International Travelers

Capital One® VentureOne® Rewards Credit Card

Our Rating Among Excellent Credit Cards
4.8
Capital One® VentureOne® Rewards Credit Card
Recommended Credit Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Good - Excellent
Regular APR (%) 13.74% - 23.74% variable
Annual Fee $0
Rewards Earning Rate Earn 1.25 miles per dollar on every purchase.
INTRO PURCHASE APR 0% for 12 Months
Foreign transaction fee (%) 0%

Why We Chose This Card

The cost-conscious traveler will love that this card doesn't charge an annual fee or foreign transaction fees. Earning rewards is simple and straightforward for casual travelers, and multiple redemption choices means you can keep your options open. Plus, the long introductory period gives you a chance to pay off a large purchase or pay off a big vacation with no interest. This card uses the Visa network, which has greater international acceptance than Discover and American Express.

Best Cash-Back Sign-Up Bonus

Wells Fargo Propel American Express® Card

Our Rating Among Excellent Credit Cards
4.6
Wells Fargo Propel American Express® Card
Recommended Credit Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Good - Excellent
Regular APR (%) 15.74% - 27.74% variable
Annual Fee $0
Rewards Earning Rate Earn 3X points for eating out and ordering in, gas stations, rideshares, transit, and for travel including flights, hotels, homestays and car rentals. Earn 1X points on other purchases.
INTRO PURCHASE APR 0% for 12 Months
Foreign transaction fee (%) 0%

Why We Chose This Card

The $300 bonus is an outstanding deal for a no annual fee credit card. (You earn 30,000 bonus points when you spend $3,000 in the first three months.) In addition to the competitive sign-up offer, this card awards 3 points per $1 spent on several popular purchase categories, such as gas, takeout food, and streaming services. There’s unlimited earning potential, and points don’t expire.

Find Your Credit Card Match

We believe it's most important to consider annual fee, interest rate, and rewards when you choose a credit card for everyday use, but we know you might have different priorities. See what suits you best.
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Your Results

What Is Excellent Credit?

Qualifying for the best credit cards generally requires you to have great credit. Credit scores 740 or better, on a scale of 300 to 850, are typically considered very good. Excellent scores are 800 or higher on the FICO 8 scale. An excellent credit score not only helps you qualify for better credit cards, you’ll also likely have access to better interest rates on credit cards and loans.

Credit scores measure your creditworthiness. That is the likelihood that you’ll repay a balance on time. 

How to Use Your Credit Card to Maintain an Excellent Credit Card

Making all your monthly payments on time is the best thing you can do to maintain your excellent credit score because payment history is the biggest factor in your credit score.

Keeping your credit card balance low also helps maintain your score, as the amount of debt you’re carrying is the next biggest factor in your credit score. Leave your oldest credit card open to establish a long credit history, and minimize the number of new credit applications you make to avoid excessive inquiries.

How to Pick Best Credit Card for Excellent Credit

With so many great options, narrowing it down to just one credit card can be tough. Consider your typical spending habits, whether you travel internationally, and what you want to get out of the credit card.

  • If you occasionally travel internationally and want to earn cash back rewards with no annual fee, check out the Capital One Quicksilver Cash Rewards Credit Card.
  • If you want more time to maximize a travel rewards bonus and avoid a travel card with an annual fee, look at Discover it Miles.
  • If you occasionally travel internationally but are not loyal to a particular airline or hotel brand, the Capital One VentureOne Rewards Credit Card makes sense. Frequent travelers may want more rewards than this offers, but keep in mind the best travel credit cards carry annual fees.
  • If you want to maximize your cash rewards bonus, or you already have the Chase Sapphire Preferred or Chase Sapphire Reserve, the Chase Freedom Unlimited is a great addition to your wallet.

How to Apply for a Credit Card

You can apply for your credit card pick directly online. The application will ask for some personal and basic financial information to confirm your identity and determine whether you qualify. You’ll typically find out right away if your application is approved, but it sometimes takes a few days or weeks to get an answer.

While having excellent credit dramatically improves your chances at getting approved, it’s not a guarantee. Even with excellent credit, your application can be denied if your income isn’t high enough, you have too many open credit cards, your balances are too high, or if you’ve made too many applications recently.

Methodology

At The Balance, it's our mission to give you unbiased, comprehensive credit card reviews. To do this, we collect data on hundreds of cards and score more than 55 features that affect your finances.

Our reviews are always impartial: No one can influence which cards we review, the way we present them to you, or the ratings they receive.

About This List

We start by filtering our database of more than 200 cards for products that require a minimum credit score of 670 or higher on the FICO 8 scale. We do this because very few credit cards are limited to people with an excellent credit score (800 or higher), and even fewer require a minimum credit score of 740 (very good). Given that having an excellent credit score gives you a good chance of qualifying for the credit card of your choice, the pool of cards we considered for this list includes cards that accept applicants with good credit.

What We Score

Rewards, annual fee, and regular APR are the most important things people consider when choosing a credit card, so we weigh those features most heavily. Beyond limiting this list to cards that accept a minimum of good credit, we applied the same methodology we use to determine our best overall credit cards. For full details on how we evaluate credit card attributes, check out our full methodology.