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
- 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
- Use rewards for travel, merchandise, gift cards and more
- 0% intro APR on purchases until August 2011
- 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 August 2011
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N/A |
13.9% (V) |
None |
Excellent |
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- 0% intro APR on balance transfers for a full 12 months, then the Regular APR
- 0% intro APR on purchases for a full 6 months, then the Regular APR
- Get $75 Cashback Bonus when you make $500 in purchases within 3 months
- 5% Cashback Bonus in categories that change like travel, gas, groceries, restaurants, home improvement stores and more
- Up to 1% unlimited Cashback Bonus on all other purchases
- No Annual Fee
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| Purchase Intro APR |
Balance Transfer Intro APR |
Regular APR |
Annual Fee |
Credit Needed |
0%*
for 6 months*
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0%*
for 12 months*
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11.99% - 20.99% (Variable)* |
None |
Excellent |
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- 0% intro APR until August 2011 on balance transfers, processed in as little as 48 hours
- 0% intro APR until August 2011 on purchases
- Transfer your higher-rate balances
- $0 Fraud Liability if your card is lost or stolen
- 24-hour travel & emergency assistance gives you a replacement card and cash advance
- 24-hour roadside assistance
- Travel accident insurance
- No annual fee
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| Purchase Intro APR |
Balance Transfer Intro APR |
Regular APR |
Annual Fee |
Credit Needed |
0%
until August 2011
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0%
until August 2011
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11.9% (V) |
None |
Excellent |
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- Earn $100 in rewards - that's 10,000 bonus points after your first purchase!
- Redeem points for travel, gift cards, merchandise, cash back and more
- 2X points earned on airfare booked through Ultimate Rewards & 1 point for every dollar spent on all other purchases
- Points never expire and there are no limits on how many points you can earn
- 24/7 Dedicated service advisors (No voice recording)
- Premier travel and purchase protection benefits
- All of this for 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 |
12.24% Variable* |
None |
Excellent |
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- 0% Intro APR on Balance Transfers for 15 months. After that, the APR will be 12.99%-20.99% based on your creditworthiness*. This APR will vary with the market based on the Prime Rate.
- Earn 5% cash back at restaurants and on car rentals and hotels from 7/1/10 to 9/30/10. Enrollment required each quarter.
- Full 1% cash back on eligible purchases and cash advances.
- Earn extra cash back on popular, rotating categories each quarter.
- Average 5% additional cash back through Citi Bonus Cash Center®
- 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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0%
for 15 months*
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12.99% - 20.99%* (Variable) |
None |
Excellent |
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