Credit Card Offers for Excellent Credit from Our Partners

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For individuals with excellent credit finding credit cards is generally easy.  Browse through the list of credit cards from our partners based on different features and perks such as 0% introductory Annual Percentage Rate (APR) on purchases, 0% introductory APR on balance transfers, rewards and some with no annual fee. Be sure to note that each credit card 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.
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About Excellent Credit Credit Cards

Excellent credit options

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.

What is excellent credit?

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.

What type of credit card should I seek?

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.

Maximizing credit card rewards

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.

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 on the "Apply Now" button, 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.
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.
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