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Credit Cards for People with Excellent Credit
Excellent Credit Credit Cards The cards listed below are for people with excellent credit. These cards are harder to be approved for than most other credit cards, but these have the best rewards and the lowest interest rates. Review the credit cards below then apply online for the card of your choice by clicking on the "Apply Here" button.

Compare Excellent Credit Credit Cards
Click on a heading below to sort Excellent Credit Credit Cards by Name, Intro APR, Intro Period, Balance Transfer Intro Rate, Balance Transfer Intro Period, Regular APR, Annual Fee or Editor's Rating.

Card Name Intro Rate Intro Period Balance Transfer
Intro Rate		 Balance Transfer
Intro Period		 Regular Apr Annual Fee Editor's Rating down

Iberiabank Visa® Classic Card


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  • No annual membership fee
  • Low variable rate of 7.25%, 10.25%, or 13.25% based on the creditworthiness. This APR will vary with the market based on the Prime Rate.
  • Low Introductory APR on Balance Transfers of 1.99% for 6 billing cycles. After that, your APR will be the same as your assigned purchase rate, based on your creditworthiness.
  • Online access to credit card account information

    		•
    Purchases Intro APR Balance Transfer Intro APR Regular APR Annual Fee Credit Needed
    N/A* 1.99%*
    for 6 months on balance transfers*     		7.25-13.25% (Variable)* $0.00* Excellent Credit*

    Discover® More® Card - Balance Transfer Fee*


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  • 0% intro APR on purchases for 6 months, then the variable standard purchase APR of 10.99% - 20.99%*
  • 0% intro APR on balance transfers for 18 months, then the variable standard purchase APR of 10.99% - 20.99%*
  • 5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply*
  • Discover is ranked #1 in customer loyalty--15 years in row! (2011 Brand Keys Customer Loyalty Engagement Index report)
  • 24/7 access to a U.S.-based Account Manager within 60 seconds
  • $0 Fraud Liability plus automatic mobile and email fraud alert options
  • Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
  • *Click apply to view rates, fees, rewards, limitations and other important information

    		•
    Purchases Intro APR Balance Transfer Intro APR Regular APR Annual Fee Credit Needed
    0.00%*
    for 6 months on purchases*     		0.00%*
    for 18 months on balance transfers*     		10.99-20.99% (Fixed)* $0.00* Excellent Credit*

    TrueEarnings® Card from Costco and American Express


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  • American Express® Card and Costco Membership Card in one- with no annual fee for Costco members
  • Cash back on the things you buy: 3% for the first $3,000 in annual gasoline purchases (1% thereafter), 2% for restaurants, 2% for travel, and 1% everywhere else, including Costco
  • Rated 4.5 out of 5 stars in overall satisfaction by current TrueEarnings® Cardmembers from Costco and American Express

    		•
    Purchases Intro APR Balance Transfer Intro APR Regular APR Annual Fee Credit Needed
    0.00%*
    for 6 months on purchases*     		N/A* 15.24% (Variable)* $0.00* Excellent Credit*

    Chase SapphireSM Card


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  • Limited Time Offer - Earn 25,000 bonus points after you spend $3,000 in the first 3 months - that's $250 toward a flight or any other reward!
  • 2 points per dollar spend on dining & 1 point per dollar spent on all other purchases.
  • Points never expire and there are no limits on how many points you can earn
  • Redeem points for travel, gift cards, merchandise, cash back and more
  • 24/7 direct access to expert service advisors (No voice recording)
  • No annual fee!

    		•
    Purchases Intro APR Balance Transfer Intro APR Regular APR Annual Fee Credit Needed
    N/A* N/A* 15.24% (Fixed)* $0.00* Excellent Credit*

    Blue Sky from American ExpressSM


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  • No annual fee
  • Travel rewards with no blackout dates or travel restrictions. Redeem with any airline, any car rental, any hotel- anytime
  • Pay your bill all at once, or over time. It's up to you.
  • Blue Savings Program®: big deals on big brands, all the time
  • Rated 'Best Airline Credit Card' by Card Ratings Consumer's Choice Awards in 2010
  • Get approved in 60-seconds

    		•
    Purchases Intro APR Balance Transfer Intro APR Regular APR Annual Fee Credit Needed
    0.00%*
    for 12 months on purchases*     		N/A* 17.24-22.24% (Variable)* $0.00* Excellent Credit*

    The Business Platinum Card® from American Express OPEN


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  • For a limited time: Earn 25,000 Membership Rewards® points by spending $5,000 in the first 3 months
  • Up to $200 Airline Fee Credit to cover incidentals with the airline of your choice
  • 20% Travel Bonus when redeeming with Membership Rewards® Pay with Points
  • Take advantage of 40 premium benefits and rewards, including 24/7 concierge service and dedicated business consultants
  • Complimentary airport club access to 600+ partner lounges, a $950/yr value
  • By Invitation Only: Receive exclusive access to events, ideal for entertaining clients or treating staff, worldwide that aren't available to the general public
  • No pre-set spending limit*

    		•
    Purchases Intro APR Balance Transfer Intro APR Regular APR Annual Fee Credit Needed
    N/A* N/A* N/A* $450.00* Excellent Credit*

    Citi® Platinum Select® / AAdvantage® World MasterCard®


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  • Earn 30,000 American Airlines AAdvantage® bonus miles after $750 in purchases within the first 4 months of cardmembership - more than enough for a roundtrip domestic flight award*
  • Earn an additional 10,000 AAdvantage® bonus miles after $5,000 in purchases during the first 6 months of cardmembership*
  • Receive a one-time $100 statement credit for the first eligible American Airlines purchase you make within the first 12 months of cardmembership*
  • $85 annual fee waived for the first 12 months*

    		•
    Purchases Intro APR Balance Transfer Intro APR Regular APR Annual Fee Credit Needed
    N/A* N/A* 15.24% (Variable)* $0.00 1st year, then $85.00* Excellent Credit*

    The Plum Card® from American Express OPEN


    Apply Online for This Credit Card

  • The Everything, Everywhere Trade Terms Cardsm from American Express OPEN
  • Pay in full within ten days, get a 1.5% discount
  • OR pay as little as 10% and take up to 2 months to pay off the balance, interest free
  • $0 introductory annual fee for the first year, then $185
  • A powerful cash flow management tool

    • Purchases Intro APR Balance Transfer Intro APR Regular APR Annual Fee Credit Needed
    N/A* N/A* N/A* $0.00 1st year, then $185.00* Excellent Credit*

    Escape by Discover® Card


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  • Earn up to $250 in travel rewards--1,000 Bonus miles every month you make a purchase for the first 25 months
  • Double Miles on every $1 you spend
  • 0% intro APR on purchases and balance transfers for 6 months, then the variable standard purchase APR of 10.99% - 16.99%*
  • No restrictions on travel--fly on any airline, book any hotel or car, with no blackout dates
  • Flexible redemption options like travel credits, merchandise, gift cards or cash
  • Travel Insurance benefits, including primary car rental, lost or damaged luggage, travel delay, and trip cancellation when you book with your Escape by Discover card
  • Discover is ranked #1 in customer loyalty--15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report)
  • *Click apply to view rates, fees, rewards, limitations and other important information

    		•
    Purchases Intro APR Balance Transfer Intro APR Regular APR Annual Fee Credit Needed
    0.00%*
    for 6 months on purchases*     		N/A* 10.99-16.99% (Variable)* $60.00* Excellent Credit*

    Citi® Dividend Platinum Select® Visa® Card - $100 Cash Back


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  • $100 cash back after $500 in purchases within the first 3 months of account opening
  • 0% Intro APR on Balance Transfers and Purchases for 12 months. After that, the APR will be 12.99%-22.99% variable based on your creditworthiness*
  • 5% cash back on fitness club, health care, and utilities purchases from 1/1/2012 to 3/31/2012 upon enrollment.
  • Each quarter, you can enroll to earn additional cash back in popular categories.
  • Full 1% cash back on all other purchases and eligible cash advances.
  • No annual fee*

    		•
    Purchases Intro APR Balance Transfer Intro APR Regular APR Annual Fee Credit Needed
    0.00%*
    for 12 months on purchases*     		0.00%*
    for 12 months on balance transfers*     		12.99-22.99% (Variable)* $0.00* Excellent Credit*

    Citi® Platinum Select® MasterCard®


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  • 0% Intro APR on balance transfers and purchases for 18 months. After that, the variable APR will be 11.99%-21.99% based on your creditworthiness.*
  • Extra Cash from Citi: enjoy discounts on gift cards, travel, merchandise and more
  • Citi® Identity Theft Solutions
  • No annual fee*

    		•
    Purchases Intro APR Balance Transfer Intro APR Regular APR Annual Fee Credit Needed
    0.00%*
    for 18 months on purchases*     		0.00%*
    for 18 months on balance transfers*     		11.99-21.99% (Variable)* $0.00* Excellent Credit*

    The Platinum Card® from American Express


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  • 25,000 Membership Rewards® points when you spend $2,000 during your first three months of Card membership
  • Global Travel Benefits: Access over 600 lounges worldwide with Priority Pass™ Select, no foreign transaction fees, skip U.S. customs lines with Global Entry.
  • Up to $200 in Airline Fee Credits annually to cover incidental charges on your airline of choice, including checked-baggage fees.
  • Receive a companion ticket for discounted travel when you purchase a qualifying First- or Business-Class international ticket.
  • 24/7 Platinum Card® Concierge service for assistance with reservations, travel, gifts, and more
  • Fine Hotels & Resorts Program: exclusive upgrades and amenities at over 700 boutique, resort, and luxury hotels worldwide
  • Get 20% back when you use Pay with Points to book your travel.

    		•
    Purchases Intro APR Balance Transfer Intro APR Regular APR Annual Fee Credit Needed
    N/A* N/A* N/A* $450.00* Excellent Credit*

    The New Business Gold Rewards Card® from American Express OPEN


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  • Earn points even faster to get more rewards for your business
  • 3X points on airfare, 2X points on advertising, gas, and shipping, 1X points on everything else*
  • One million rewards from over 500 brands
  • Unlimited Rewards Potential - there is no limit to the number of points you can earn and points do not expire
  • 24/7 support for everything from identity theft to travel emergencies
  • $0 introductory annual fee for the first year, then $175
  • Get unlimited Additional Gold Cards for an additional annual fee of $50 - and this fee is waived for the first year

    		•
    Purchases Intro APR Balance Transfer Intro APR Regular APR Annual Fee Credit Needed
    N/A* N/A* N/A* $0.00 1st year, then $175.00* Excellent Credit*

    Iberiabank Visa® Select Card


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  • Introductory Rate of 0.00% or 7.50% based on creditworthiness for 12 months from date opened on Purchases. This rate will not change during the introductory period.
  • Intro APR on Balance Transfers of 1.99% or 7.50% for the first 12 billing cycles. After that, APR will be the same as your assigned purchase rate, based on your creditworthiness.
  • Low Ongoing Variable Rate APR after introductory period of 7.50%, 9.50%, or 11.50% based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
  • Online access to credit card account information
  • Low Annual Fee of $35.00

    		•
    Purchases Intro APR Balance Transfer Intro APR Regular APR Annual Fee Credit Needed
    0.00%*
    for 12 months on purchases*     		N/A* 7.50-11.50% (Fixed)* $35.00* Excellent Credit*

    Starwood Preferred Guest® Credit Card


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  • Starpoints® Bonus: 10K with your first purchase and another 15K when you spend $5k within 6 months - enough for up to 6 free nights at a category 1 or 2 hotel
  • Free nights, free flights: Redeem Starpoints with over 350 airlines through SPG Flights and more than 1,000 hotels and resorts worldwide. No blackout dates
  • 2011 SmarterTravel® Award for 'Best Travel Rewards Card'
  • $0 introductory annual fee for the first year, then $65

    		•
    Purchases Intro APR Balance Transfer Intro APR Regular APR Annual Fee Credit Needed
    N/A* 2.90%*
    for 6 months on balance transfers*     		15.24-19.24% (Variable)* $0.00 1st year, then $65.00* Excellent Credit*

    Simmons First Visa® Platinum Rewards


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  • Excellent Credit Required - Applicants that do not have excellent credit will not be approved
  • Low 9.25% variable standard purchase APR and platinum benefits
  • No balance transfer fee for balances transferred in response to this online offer
  • Travel Rewards - cardholders who enroll in the program receive one point per net dollar spent
  • Choose any U.S. based airline or ticket class. No blackout dates or seating restrictions
  • Other travel related options are hotels, cruises, vacation packages, car rental, and restaurants
  • No Annual Fee

    		•
    Purchases Intro APR Balance Transfer Intro APR Regular APR Annual Fee Credit Needed
    N/A* N/A* 9.25% (Variable)* $0.00* Excellent Credit*

    Continental Airlines OnePass® Plus Card


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  • Earn up to 40,000 bonus miles & first year free ($95 value)*
  • Now with priority boarding privileges on Continental and United flights
  • Check your first bag for free on Continental and United flights, up to a $50 value
  • Visit the United Club with two complimentary passes every year, a $100 value
  • Earn 2 miles for $1 spent on tickets purchased from Continental and United and 1 mile per $1 everywhere else
  • Your miles don't expire and there is no limit to the number of miles you can earn

    • Purchases Intro APR Balance Transfer Intro APR Regular APR Annual Fee Credit Needed
    N/A* N/A* 14.24% (Fixed)* $0.00 1st year, then $95.00* Excellent Credit*

    Iberiabank Visa® Platinum Card


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  • No annual membership fee
  • Low variable rate of 9.25%, 12.25%, or 15.25% based on the creditworthiness. This APR will vary with the market based on the Prime Rate.
  • Introductory APR on balance transfers of 1.99% for your first 6 billing cycles. After that, your APR will be the same as your assigned purchase rate, based on your creditworthiness.
  • Earn 1 bonus point for every $1 in qualifying net retail purchases, can redeem for merchandise with as little as 700 points.
  • Turn your points into hotel, gift, or experience rewards
  • Product Enhancements include: Auto Rental Collision Damage Waiver, Roadside Dispatch and Travel Emergency Services.
  • Online access to credit card account information

    		•
    Purchases Intro APR Balance Transfer Intro APR Regular APR Annual Fee Credit Needed
    N/A* N/A* 9.25-15.25% (Variable)* $0.00* Excellent Credit*

    Delta Airlines - Gold Delta SkyMiles® Credit Card


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  • Earn 30,000 bonus miles toward Award Travel when you spend $500 on the Card in the first three months from account opening
  • $0 intro annual fee for the first year, then $95
  • Check your first bag Free - for up to 9 people on your reservation - on every Delta flight
  • Receive double miles on Delta purchases and 1 mile for all other eligible dollars spent
  • Priority Boarding and 20% In-Flight Savings

    		•
    Purchases Intro APR Balance Transfer Intro APR Regular APR Annual Fee Credit Needed
    N/A* 9.99%*
    for 12 months on balance transfers*     		15.24-19.24% (Variable)* $0.00 1st year, then $95.00* Excellent Credit*

    Simmons First Visa Platinum


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  • Excellent Credit Required - Applicants that do not have excellent credit will not be approved
  • Low 7.25% variable standard purchase APR and platinum benefits
  • No balance transfer fee for balances transferred in response to this online offer
  • No Annual Fee

    		•
    Purchases Intro APR Balance Transfer Intro APR Regular APR Annual Fee Credit Needed
    N/A* N/A* 7.25% (Variable)* $0.00* Excellent Credit*

    Chase Sapphire PreferredSM Card


    Apply Online for This Credit Card

  • Limited Time Offer - Earn 50,000 bonus points after you spend $3,000 in the first 3 months- that's $625 toward travel!
  • 2 points per dollar spent on travel and dining & 1 point per dollar spent on all other purchases.
  • Use 20% fewer points when you redeem for travel. Just book your flight, cruise, or other travel through Ultimate RewardsSM
  • No foreign transaction fees
  • Earn a 7% annual points dividend - even on points already redeemed
  • Transfer points you've earned to participating frequent traveler programs at a 1:1 value
  • 24/7 direct access to expert service advisors (No voice recording)
  • No Annual Fee for your first year - A $95 value

    • Purchases Intro APR Balance Transfer Intro APR Regular APR Annual Fee Credit Needed
    N/A* N/A* 15.24% (Fixed)* $0.00 1st year, then $95.00* Excellent Credit*

    Iberiabank Visa® Gold Card


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  • No annual membership fee
  • Low variable rate of 9.25%, 12.25%, or 15.25% based on the creditworthiness. This APR will vary with the market based on the Prime Rate.
  • Introductory APR on Balance Transfers of 1.99% for your first 6 billing cycles. After that, your APR will be the same as your assigned purchase rate, based on your creditworthiness.
  • Earn 1% in cash back credit on all qualifying purchases
  • No limit on cash back; no expiration date on eligibility for accounts in good standing
  • Travel accident coverage up to $500,000
  • Online access to credit card account information

    		•
    Purchases Intro APR Balance Transfer Intro APR Regular APR Annual Fee Credit Needed
    N/A* N/A* 9.25-15.25% (Fixed)* $0.00* Excellent Credit*

    American Express® Gold Card


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  • Exclusive access to Gold Card Events - select concerts, shows, major sporting events, and more.
  • Purchase Protection* can protect eligible items for up to 90 days from the date of purchase if stolen or accidentally damaged. *Underwritten by AMEX Assurance Company
  • Redeem Membership Rewards® points for an exclusive array of travel, shopping, dining and entertainment rewards.
  • Introductory annual fee of $0 for the first year, then $125.
  • Get a decision in as little as 60 seconds.

    		•
    Purchases Intro APR Balance Transfer Intro APR Regular APR Annual Fee Credit Needed
    N/A* N/A* N/A* $0.00 1st year, then $125.00* Excellent Credit*

    SimplyCash® Business Card from American Express OPEN


    Apply Online for This Credit Card

  • Get 5% cash back on wireless services and office supply purchases*
  • Get 3% cash back on automobile gasoline*
  • Get 1% cash back on other purchases*
  • No limit to the amount of cash back you can earn
  • Cash back on purchases is automatically credited to your statement each month
  • Save 3%-10% automatically on business expenses from FedEx, Hertz®, OfficeMax®, and more with OPEN Savings®*
  • No annual membership fee

    		•
    Purchases Intro APR Balance Transfer Intro APR Regular APR Annual Fee Credit Needed
    N/A* N/A* 12.24-19.24% (Variable)* $0.00* Excellent Credit*

    Citi Simplicity® Card


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  • 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 12.99% - 21.99% based on your creditworthiness.
  • Peace of mind through direct access to a service representative, no late fees and no penalty rate
  • No annual fee

    		•
    Purchases Intro APR Balance Transfer Intro APR Regular APR Annual Fee Credit Needed
    0.00%*
    for 18 months on purchases*     		N/A* 12.99-21.99% (Variable)* $0.00* Excellent Credit*

    Chase Freedom® Visa - $200 Bonus Cash Back


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  • This offer is for people with a good to excellent credit history which means, among other things, that your credit history is clear of bankruptcy and seriously delinquent accounts
  • Earn $200 Bonus Cash Back after you make $500 in purchases in your first 3 months
  • 5% Cash Back on up to $1,500 spent at gas stations and on Amazon.com from 1/1/12 - 3/31/12.
  • You'll enjoy new 5% categories every 3 months like grocery stores, restaurants and even airlines. It's free and easy to activate your bonus each quarter!
  • Unlimited 1% Cash Back on all other purchases
  • Up to an additional 10% Cash Back when you shop online at select merchants through Chase
  • No annual fee and rewards never expire

    		•
    Purchases Intro APR Balance Transfer Intro APR Regular APR Annual Fee Credit Needed
    N/A* N/A* 15.99-22.99% (Fixed)* $0.00* Excellent Credit*

    Citi ThankYou® Preferred Rewards Card - $250 in Gift Cards


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  • $250 in gift cards - When you redeem the 25,000 bonus ThankYou® Points received after $2,000 in purchases within 3 months of account opening
  • Earn 1 point for every $1 you spend on all purchases
  • Receive an anniversary bonus every year you're a cardmember
  • No expiration and no limit on the points you can earn
  • Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more
  • No annual fee*

    		•
    Purchases Intro APR Balance Transfer Intro APR Regular APR Annual Fee Credit Needed
    N/A* N/A* 12.99-22.99% (Variable)* $0.00* Excellent Credit*

    United MileagePlus® Explorer Card


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  • Earn up to 40,000 bonus miles & first year free, a $95 value*
  • Check your first bag for free on United and Continental-operated flights, up to a $50 value round trip
  • Board your flight before general boarding with priority boarding privileges
  • Visit the United Club with two complimentary day passes every year, up to a $100 value
  • Earn 2 miles for $1 spent on tickets purchased from United and Continental and 1 mile per $1 everywhere else
  • Enjoy exclusive access to once-in-a-lifetime events through Inside Access from Chase
  • Your miles don't expire and there is no limit to the number of miles you can earn

    • Purchases Intro APR Balance Transfer Intro APR Regular APR Annual Fee Credit Needed
    N/A* N/A* 14.24% (Fixed)* $0.00 1st year, then $95.00* Excellent Credit*

    Starwood Preferred Guest® Business Credit Card from American Express OPEN


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  • Earn up to 25,000 Starpoints®: Receive 10K after your first purchase, and another 15K when you spend $5,000 in 6 months-enough for up to 6 free nights at a Category 1 or 2 hotel
  • Redeem Starpoints at over 1,000 hotels and resorts in nearly 100 countries, and for flights on more than 350 airlines through SPG Flights. No blackout dates.
  • $0 introductory annual fee for the first year, then $65

    		•
    Purchases Intro APR Balance Transfer Intro APR Regular APR Annual Fee Credit Needed
    N/A* N/A* 15.24-19.24% (Variable)* $0.00 1st year, then $65.00* Excellent Credit*

    Blue Cash EverydaySM from American Express


    Apply Online for This Credit Card

  • Earn a $100 cash back bonus after spending $1,000 in eligible purchases in the first 3 months of Cardmembership
  • 0% intro APR on purchases for 12 months, flexibility to pay over time
  • Get 3% cash back at supermarkets, 2% cash back at gas stations and department stores, and 1% cash back on all other purchases
  • No spend minimum, No enrollment, and No rotating rewards categories
  • Get a $25 Referral Bonus for each friend or family member who is approved for the Card
  • No annual fee, flexibility to pay over time

    		•
    Purchases Intro APR Balance Transfer Intro APR Regular APR Annual Fee Credit Needed
    0.00%*
    for 12 months on purchases*     		N/A* 17.24-22.24% (Variable)* $0.00* Excellent Credit*

    Visa® Black Card


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  • Made with carbon, not just another piece of plastic; Membership is limited
  • 24-hour concierge service at your disposal
  • Unlimited VIP airport lounge visits
  • Exclusive rewards program; 1% cash back or airfare on any airline - no blackouts or restrictions
  • Accepted globally; zero liability protection against unauthorized purchases

    		•
    Purchases Intro APR Balance Transfer Intro APR Regular APR Annual Fee Credit Needed
    N/A* N/A* 14.99% (Fixed)* $495.00* Excellent Credit*

    * See the online credit card application for details about terms and conditions.
    Reasonable efforts are made to maintain accurate information. However, all credit card information is presented without warranty.
    When you click on the “Apply Now" button, you can review the credit card terms and conditions on the issuer's website.

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