Credit cards listed in the excellent credit category are not necessarily the best credit cards. However, these credit cards require very good to excellent credit to get approval. Unfortunately, the definition of excellent credit varies from company to company, making matters even more complicated for those who are unsure if they fit into the excellent credit category. Generally, a top-tier credit score is considered to be anything above 720, though some companies may require scores in excess of 750 to qualify. If you are unsure of your credit score, you may want to use a free credit score trial to check your score before applying for a new credit card.
Below you can compare credit cards for applicants with excellent credit and apply online for approval via SSL encrypted, secure applications hosted on the websites of the issuing banks.
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- 1.25 miles per dollar on every purchase, every day
- Earn 10,000 bonus miles, equal to $100 in travel
- Redeem miles for airline tickets, hotel rooms, car rentals and more
- No limit on the miles you can earn and miles won't expire
- Fly free on any airline, any time with no blackout dates
- 0% intro APR on purchases until February 2013*
- No foreign transaction fees
- No annual fee
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| Purchase Intro APR |
Balance Transfer Intro APR |
Regular APR |
Annual Fee |
Credit Needed |
0% on purchases
until February 2013*
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N/A |
11.9% - 19.9% (V) |
$0 |
Excellent |
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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*
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| Purchase Intro APR |
Balance Transfer Intro APR |
Regular APR |
Annual Fee |
Credit Needed |
0%
for 18 months
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0%
for 18 months
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11.99% - 21.99%* (Variable) |
None |
Good |
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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% based on your creditworthiness*. This APR will vary with the market based on the Prime Rate.
- 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. To learn
more, visit dividend.quarterlyoffer.citi.com.
- Full 1% cash back on all other purchases and eligible cash advances
- No Annual Fee*
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| Purchase Intro APR |
Balance Transfer Intro APR |
Regular APR |
Annual Fee |
Credit Needed |
0%
for 12 months*
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0%
for 12 months*
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12.99% - 22.99%* (Variable) |
None |
Good |
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- 0% intro APR until May 2013 on balance transfers
- 0% intro APR until until March 2013 on purchases
- No annual fee
- $0 Fraud Liability if your card is lost or stolen
- 24-hour travel assistance gives you a replacement card and cash advance
- 24-hour roadside assistance
- Pick an image for your card-choose the one shown here, any of the hundreds in our collection or add your own
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| Purchase Intro APR |
Balance Transfer Intro APR |
Regular APR |
Annual Fee |
Credit Needed |
0%
until May 2013*
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0%
until May 2013*
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10.9% - 18.9% (V) |
None |
Excellent |
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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 spent 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!
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| Purchase Intro APR |
Balance Transfer Intro APR |
Regular APR |
Annual Fee |
Credit Needed |
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N/A
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N/A |
15.24% Variable* |
None |
Excellent |
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- Money® Magazine's "Most Rewarding Card if you crave free airline flights"
- 2 miles per dollar on every purchase, every day
- Earn 10,000 bonus miles, equal to $100 in travel
- Redeem your miles for ANY travel expense
- No limit on the miles you can earn and miles won't expire
- Fly free on any airline, any time with no blackout dates
- No foreign transaction fees
- $0 intro annual fee for the first year; $59 after that
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| Purchase Intro APR |
Balance Transfer Intro APR |
Regular APR |
Annual Fee |
Credit Needed |
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N/A
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N/A |
11.9% - 19.9% (V) |
$0 intro for first year; $59 after that |
Excellent |
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- 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
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| Purchase Intro APR |
Balance Transfer Intro APR |
Regular APR |
Annual Fee |
Credit Needed |
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N/A
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N/A |
15.24% Variable* |
$95, Waived First Year |
Excellent |
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