People with excellent credit not only have the upper hand when it comes to getting a mortgage, paying lower interest or even being accepted for a job, they also get to earn the most rewards when making purchases with their credit cards. To attract more new customers with excellent credit scores, credit card issuers in the US have created a wide range of credit cards for people with excellent credit. These high-end credit cards offer more rewards and special privileges than the cards offered to consumers with lower credit scores.

Credit cards for excellent credit are mainly for people who have a credit score of 740-850. Most of these cards are rewards and travel credit cards that offer large signing bonuses and extra benefits and perks that are not offered elsewhere, with many of them offering 0% foreign transaction fee, no balance transfer fee, travel accident insurance, purchase protection, extended warranty and many more.

For those of you who have very good to excellent credit score (740-850), I have compiled a list of our best rated credit cards for excellent credit offering the juiciest rewards and largest signing incentives so that you can browse through them easily and find the card that will reward you most for your spending.

Here is a list of our top rated credit cards for excellent credit:

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least likeCredit RequiredRelated links
Marriott Rewards<sup>®</sup> Premier Plus Credit Card

Marriott Rewards® Premier Plus Credit Card

APPLY NOWAt Chase's secure website
  • Earn 2 Free Night Awards (each valued up to 35,000 points) after you spend $3,000 on purchases in the first 3 months from account opening.
  • Get the card that helps you earn more with U.S. News & World Report’s No.1 Hotel Rewards Program, Marriott Rewards.
  • 1 Free Night Award (valued up to 35,000 points) every year after account anniversary.
  • Earn 6X points per $1 spent at participating Marriott Rewards & SPG hotels.
  • 2X points for every $1 spent on all other purchases.
  • Automatic Silver Elite Status each account anniversary year.
  • Path to Gold Status when you spend $35,000 on purchases each account year.
  • Coming in 2019, 15 Elite Night Credits each calendar year.
APPLY NOWAt Chase's secure website

N/A

17.99% - 24.99% Variable

$95

Excellent Credit
Chase Sapphire Preferred<sup>®</sup> Card

Chase Sapphire Preferred® Card

APPLY NOWAt Chase's secure website
  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
  • Chase Sapphire Preferred named "Best Credit Card for Flexible Travel Redemption" - Kiplinger's Personal Finance, June 2018
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards
APPLY NOWAt Chase's secure website

N/A

17.99% - 24.99% Variable

$0 Intro for the First Year, then $95

Why we like it
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel.
  • 1:1 point transfer to leading airline and hotel loyalty programs.
Excellent Credit
American Airlines AAdvantage MileUpSM Card

American Airlines AAdvantage MileUpSM Card

APPLY NOWAt Citi's secure website
  • Earn 10,000 American Airlines AAdvantage® bonus miles and receive a $50 statement credit after making $500 in purchases within the first 3 months of account opening*
  • No Annual Fee*
  • Earn 2 AAdvantage® miles for each $1 spent at grocery stores, including grocery delivery services*
  • Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases*
  • Earn 1 AAdvantage® mile for every $1 spent on other purchases*
  • Save 25% on inflight food and beverage purchases when you use your card on American Airlines flights*
APPLY NOWAt Citi's secure website

N/A

17.99% - 25.99%* (Variable)

$0*

Excellent
Costco Anywhere Visa<sup>®</sup> Card by Citi

Costco Anywhere Visa® Card by Citi

APPLY NOWAt Citi's secure website
  • Exclusively for Costco Members: Go Big with Cash Back Rewards
  • 4% cash back on eligible gas for the first $7,000 per year and then 1% thereafter
  • 3% cash back on restaurants and eligible travel purchases
  • 2% cash back on all other purchases from Costco and Costco.com
  • 1% cash back on all other purchases
  • No annual fee with your paid Costco membership*
APPLY NOWAt Citi's secure website

N/A

17.24%* (Variable)

$0*

Why we like it
  • 4% cash back on eligible gas for the first $7,000 per year and then 1% thereafter.
  • 2% cash back on all other purchases from Costco and Costco.com.
Excellent
Citi Premier℠ Card

Citi Premier Card

APPLY NOWAt Citi's secure website
  • Earn 50,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
  • Earn 3X Points on Travel, Including Gas Stations
  • Earn 2X Points on Dining Out & Entertainment
  • Earn 1X Points on All Other Purchases
  • 50,000 Points are redeemable for $625 in airfare on any airline, anytime with no blackout dates when booked through the ThankYou® Travel Center, or $500 in gift cards when redeemed at thankyou.com
  • No expiration and no limit to the amount of points you can earn with this card
  • Points Transfer allows you to transfer points to participating airline loyalty programs
  • No Foreign Transaction Fees on purchases*
APPLY NOWAt Citi's secure website

N/A

16.49% - 25.49%* (Variable)

$95, waived for first 12 months*

Why we like it
  • Earn 3X Points on Travel, Including Gas Stations, Earn 2X Points on Dining Out & Entertainment, Earn 1X Points on All Other Purchases.
We least like
  • No intro APR.
Excellent
Limited Time Offer
United℠ Explorer Card

United℠ Explorer Card

Limited Time Offer
APPLY NOWAt Chase's secure website
  • Limited time offer! Earn up to 65,000 Bonus Miles.
  • $0 introductory annual fee for the first year, then $95.
  • Earn 2 miles per $1 spent at restaurants and on hotel stays
  • Up to $100 Global Entry or TSA Pre✓® Fee Credit
  • 25% back on United inflight purchases
  • Check your first bag for free (a savings of up to $120 per roundtrip) when you use your Card to purchase your ticket
  • Enjoy priority boarding privileges and visit the United Club℠ with 2 one-time passes each year for your anniversary
  • Earn 2 miles per $1 spent on purchases from United, and 1 mile per $1 spent on all other purchases
APPLY NOWAt Chase's secure website

N/A

17.99% - 24.99% Variable

$0 Intro for First Year, then $95

Why we like it
  • Rewards Program.
  • No foreign transaction fees.
  • Limited time offer! Earn up to 65,000 Bonus Miles.
Excellent Credit
Blue Delta SkyMiles<sup>®</sup> Credit Card from American Express

Blue Delta SkyMiles® Credit Card from American Express

APPLY NOWAt American Express' secure website
  • Earn 10,000 bonus miles after spending $500 in purchases on your new Card in your first 3 months.
  • No Annual Fee.
  • Earn 2 miles per dollar at US restaurants.
  • Earn 2 miles per dollar spent on purchases made directly with Delta. Earn 1 mile on every eligible dollar spent on purchases.
  • Receive a 20% In-Flight Savings in the form of a statement credit after you use your Card on eligible Delta in-flight purchases of food, beverages, and audio headsets.
  • Terms Apply.
  • See Rates & Fees
APPLY NOWAt American Express' secure website

N/A

17.74%-26.74% Variable

$0

Excellent Credit
Citi<sup>®</sup> / AAdvantage<sup>®</sup> Executive World Elite™ Mastercard<sup>®</sup>

Citi® / AAdvantage® Executive World Elite™ Mastercard®

APPLY NOWAt Citi's secure website
  • Earn 50,000 American Airlines AAdvantage® bonus miles after spending $5,000 in purchases within the first 3 months of account opening*
  • Admirals Club® membership for you and access for guests traveling with you*
  • Complimentary Admirals Club® lounge access for authorized users
  • Earn 10,000 AAdvantage® Elite Qualifying Miles (EQMs) after you spend $40,000 in purchases within the year*
  • No Foreign Transaction Fees on purchases*
  • Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases and 1 AAdvantage® mile for every $1 spent on other purchases*
  • First checked bag is free on domestic American Airlines itineraries for you and up to 8 companions traveling with you on the same reservation*
APPLY NOWAt Citi's secure website

N/A

17.74% - 25.74%* (Variable)

$450

Why we like it
  • Earn 50,000 American Airlines AAdvantage® bonus miles after spending $5,000 in purchases within the first 3 months of account opening*.
  • Admirals Club® membership for you and access for guests traveling with you*.
We least like
  • High annual fee.
Excellent