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Compare Credit Cards for Excellent Credit

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Choosing a credit card has never been easier. Browse cards based on credit bands, quickly compare offers, and find the right fit for you.

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Cards for Excellent Credit

Congratulations! With your excellent credit score, you may be eligible for variety of credit card offers. These offers may have different features and benefits such as a low introductory APR, perhaps a rewards program, competitive interest rates, or they may have a combination of benefits. Compare offers from our partners.

Citi Custom Cash® Card

4.1
36 Reviews
Learn More
Regular APR
18.49% - 28.49% (Variable)
Annual Fee
$0
Credit Needed
Excellent, Good
Highlights
  • Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
  • 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 18.49% - 28.49%, based on your creditworthiness.
  • Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases. Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2026.
  • No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
  • No Annual Fee
  • Citi will only issue one Citi Custom Cash® Card account per person.
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Regular APRAnnual FeeCredit Needed
18.49% - 28.49% (Variable)$0Excellent, Good

Chase Freedom Unlimited®

3.7
163 Reviews
Learn More
Regular APR
19.99% - 28.74% Variable
Annual Fee
$0
Credit Needed
Excellent, Good
Highlights
  • INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
  • Enjoy 6.5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
  • After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel℠, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
  • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
  • Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.99% - 28.74%.
  • No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
  • Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
  • Member FDIC
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Regular APRAnnual FeeCredit Needed
19.99% - 28.74% Variable$0Excellent, Good

Citi Double Cash® Card

3.5
91 Reviews
Learn More
Regular APR
18.49% - 28.49% (Variable)
Annual Fee
$0
Credit Needed
Excellent, Good, Fair
Highlights
  • Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
  • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, a special travel offer, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/25.
  • Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 18.49% - 28.49%, based on your creditworthiness.
  • Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
  • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
  • There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
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Regular APRAnnual FeeCredit Needed
18.49% - 28.49% (Variable)$0Excellent, Good, Fair

Citi® Diamond Preferred® Card

3.2
13 Reviews
Learn More
Regular APR
17.49% - 28.24% (Variable)
Annual Fee
$0
Credit Needed
Excellent, Good
Highlights
  • 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 17.49% - 28.24%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
  • There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
  • Get free access to your FICO® Score online.
  • With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
  • No Annual Fee - our low intro rates and all the benefits don’t come with a yearly charge.
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Regular APRAnnual FeeCredit Needed
17.49% - 28.24% (Variable)$0Excellent, Good

Citi Rewards+® Card

4.5
6 Reviews
Learn More
Regular APR
17.99% - 27.99% (Variable)
Annual Fee
$0
Credit Needed
Excellent, Good
Highlights
  • Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com
  • Plus, as a special offer, earn a total of 5 ThankYou® Points per $1 spent on hotel, car rentals and attractions booked on CitiTravel.com through December 31, 2025.
  • 0% Intro APR on balance transfers for 15 months from date of first transfer and on purchases from date of account opening. After that, the variable APR will be 17.99% - 27.99%, based on your creditworthiness. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
  • Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases.
  • The Citi Rewards+® Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
  • No Annual Fee
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Regular APRAnnual FeeCredit Needed
17.99% - 27.99% (Variable)$0Excellent, Good

About Excellent Credit Cards

To have excellent credit is like living on Easy Street. It’s like being a financial A-lister, a VIP who lenders typically extend the best loans, lower interest rates, attractive terms and rewards.

With an excellent credit score, you typically may have the pick of the litter for most credit cards of your choice, since issuers can see that you have a positive credit history.

That doesn’t mean that every credit card is worth applying for. Individuals with excellent credit should still use as much discretion as anyone else when seeking out the right credit card for their own financial needs. And as we mention in the “What is Excellent Credit?” section on this page is that each issuer has different criteria used to determine if you will be approved for their credit card, so having a credit score in a particular range is not a guarantee that you will be approved for the credit card or for the terms you applied for, so even with excellent credit history you are not a shoo-in.

At Credit Sesame, an excellent credit score is typically 720 and above. This is based on a VantageScore 3.0 model provided by TransUnion and may not be the credit scoring model used by the financial institutions presenting offers on the Credit Sesame website. Your credit score may vary from what you see elsewhere based on the credit bureau, date of the credit report, and credit scoring model. Credit card issuers and other financial institutions use a variety of different types of credit scores and other criteria to make credit and lending decisions so, having a credit score in a particular range is not a guarantee that you will be approved for a credit card or approved for the terms you applied for.

Don’t sell yourself short if you have excellent credit. Consider applying for credit cards that offer some type of rewards, whether it’s cash back on purchases, travel points or miles, or introductory APR promotional offers that can reduce interest for a specific period of time, and increase the amount of dollars back into your pocket.

Getting the most out of credit card rewards also means being selective as you go about comparing offerings. The higher your credit score, the more attention one should pay to the advantages you’re getting out of the credit card(s) you apply for.

If you’re a retail maven, compare credit cards with generous cash back structures. Some offer unlimited cash back on all purchases up to a certain spending threshold; others impart higher cash back percentages according to various spending categories assigned by the issuer. Experts recommend seeking out a credit card that gives back at least 1 percent in cash returns to make it – and your finances – worthwhile.

In the case of travel points and miles, do your due diligence by finding a co-branded credit card that links rewards directly to your preferred airline or hotel chain of choice. Or, research credit cards that allow you to transfer miles or points to another carrier, so your rewards haven’t been built up for nothing.

Building excellent credit didn’t come with racking up an unpaid balance. However, if you’re prone to carrying a balance on your credit card (from time to time, that is), look for credit cards that have low APRs. Keep in mind choosing a credit card that is right for you can be a big decision, so take your time and shop around. And, as you already know, but just a reminder make sure you keep your credit card spending within your means.

Helpful Resources

Ask the Expert: Should I Close the Retail Store Card I Opened?

Dummies Guide to Disputing Credit Card Charges

When You Should Opt for Credit Over Debit

Ask the Expert: Should I Close the Retail Store Card I Opened?

Dummies Guide to Disputing Credit Card Charges

When You Should Opt for Credit Over Debit

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Advertiser Disclosure: Many of the offers that appear on this site are from companies from which Credit Sesame receives compensation. This compensation may impact how and where products appear (including, for example, the order in which they appear). Credit Sesame provides a variety of offers, but these offers do not include all financial services companies or all products available.

Credit Sesame is an independent comparison service provider. Reasonable efforts have been made to maintain accurate information throughout our website, mobile apps, and communication methods; however, all information is presented without warranty or guarantee. All images and trademarks are the property of their respective owners.

Editorial Content Disclosure: The editorial content on this page (including, but not limited to, Pros and Cons) is not provided by any credit card issuer. Any opinions, analysis, reviews, or recommendations expressed here are the author’s alone, not those of any credit card issuer, and have not been reviewed, approved or otherwise endorsed by any credit card issuer.

† Approval Odds: Credit Sesame calculates your approval odds by comparing your credit profile to other Credit Sesame members who were approved for this product. These approval odds are estimates only and do not guarantee approval. Lenders, credit card issuers, and other financial institutions use a variety of different types of credit scores and criteria to make credit and lending decisions. The TransUnion credit score we provide is based on the VantageScore 3.0 model and may not be the credit scoring model used by financial institutions presenting offers on our website.

†† Average and Lowest Scores: “Average” and “Lowest” scores refer to the scores of Credit Sesame members who were approved for this product. These scores are estimates only and do not guarantee approval. Lenders, credit card issuers, and other financial institutions use a variety of different types of credit scores and other criteria to make credit and lending decisions. The TransUnion credit score Credit Sesame provides you is based on the VantageScore 3.0 model and may not be the credit scoring model used by the financial institutions presenting offers on the Credit Sesame website.

Provider’s Terms: *See the online provider’s application for details about terms and conditions. Reasonable efforts have been made to maintain accurate information, however, all information is presented without warranty or guarantee. When you click to apply, you can review the terms and conditions on the provider’s website. Offers are subject to change and the terms displayed may not be available to all consumers.

Loan APR Estimates: Annual Percentage Rates, loan terms and monthly payments shown are estimated based upon analysis of your credit profile, information you entered, and/or rate information provided by lenders. While efforts have been made to maintain accurate information, the loan information is presented without warranty and the estimated APR or other terms shown do not bind any lender. All loans are subject to credit review and approval. When evaluating offers, please review the lender’s terms and conditions for additional details.

Reviews: User reviews and responses are not provided, reviewed, approved or otherwise endorsed by the banks, issuers and credit card advertisers. It is not the banks, issuers, and credit card advertiser’s responsibility to ensure all posts are answered. The Credit Sesame website star ratings are an average based on contributions from independent users not affiliated with Credit Sesame. Banks, issuers and credit card advertisers are not responsible for star ratings, nor do they endorse or guarantee any posted comments or reviews.

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Credit data provided by TransUnion ®
444 Castro St., Ste 500, Mountain View, CA 94041

Credit data provided by TransUnion ®
444 Castro St., Ste 500, Mountain View, CA 94041
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Advertiser Disclosure

Many of the offers that appear on this site are from companies from which Credit Sesame receives compensation. This compensation may impact how and where products appear (including, for example, the order in which they appear). Credit Sesame provides a variety of offers, but these offers do not include all financial services companies or all products available.

Credit Sesame is an independent comparison service provider. Reasonable efforts have been made to maintain accurate information throughout our website, mobile apps, and communication methods; however, all information is presented without warranty or guarantee. All images and trademarks are the property of their respective owners.