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Best credit cards for excellent credit in June 2024

Updated June 13, 2024

The listings that appear on the website are from credit card companies from which Bankrate receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). This site does not include all credit card companies or all available credit card offers. Here's an explanation for

An excellent credit score opens up opportunities to qualify for some of the best credit cards available from our partners. With a FICO score above 800 (or a VantageScore over 780), you could qualify for a top-of-the-line credit card that offers generous rewards programs, lavish perks, low interest rates and more. Learn more about our picks for some of the best credit cards for excellent credit.

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Best overall

Bankrate score

Rating: 4.8 stars out of 5
4.8
Info
Recommended credit score: 670 - 850
Info
Apply now Lock
on American Express's secure site
See Rates & Fees , Terms Apply

Intro offer

Info

Earn 80,000 points

$1,600 value
Info

Rewards rate

Info

5X - 5X

Annual fee

$695

APR

See Pay Over Time APR

Best for dining

Bankrate score

Rating: 5 stars out of 5
5.0
Info
Recommended credit score: 670 - 850
Info
Apply now Lock
on American Express's secure site
See Rates & Fees , Terms Apply

Intro offer

Info

Earn 60,000 Membership Rewards® Points

$1,200 value
Info

Rewards rate

Info

3X - 4X

Annual fee

$250

APR

See Pay Over Time APR

Best for category variety

Bankrate score

Rating: 4.4 stars out of 5
4.4
Info
Recommended credit score: 670 - 850
Info
Apply now Lock
on Discover's secure site

Intro offer

Info

Cashback Match

Rewards rate

Info

1% - 5%

Annual fee

$0

Regular APR

18.24% - 28.24% Variable APR

Best for food and entertainment

Bankrate score

Rating: 5 stars out of 5
5.0
Info
Recommended credit score: 670 - 850
Info
Apply now Lock
on Capital One's secure site

Intro offer

Info

$200

Rewards rate

Info

1% - 8%

Annual fee

$0

Regular APR

19.99% - 29.99% (Variable)

Best for simple cash back

Bankrate score

Rating: 3.8 stars out of 5
3.8
Info
Recommended credit score: 670 - 850
Info
Apply now Lock
on Capital One's secure site

Intro offer

Info

$200

Rewards rate

Info

1.5% - 5%

Annual fee

$0

Regular APR

19.99% - 29.99% (Variable)

Best for flexible travel rewards

Bankrate score

Rating: 4.1 stars out of 5
4.1
Info
Recommended credit score: 670 - 850
Info
Apply now Lock
on Capital One's secure site

Intro offer

Info

20,000 miles

$340 value
Info

Rewards rate

Info

1.25 Miles - 5 Miles

Annual fee

$0

Regular APR

19.99% - 29.99% (Variable)

Best for groceries and gas

Bankrate score

Rating: 4.4 stars out of 5
4.4
Info
Recommended credit score: 670 - 850
Info
Apply now Lock
on American Express's secure site
See Rates & Fees , Terms Apply

Intro offer

Info

Earn $250

Rewards rate

Info

1% - 6%

Annual fee

$0 intro annual fee for the first year, then $95.

APR

19.24% - 29.99% Variable

Best for everyday purchases

Bankrate score

Rating: 4.6 stars out of 5
4.6
Info
Recommended credit score: 670 - 850
Info
Apply now Lock
on American Express's secure site
See Rates & Fees , Terms Apply

Intro offer

Info

Earn $200

Rewards rate

Info

1% - 3%

Annual fee

$0

APR

19.24% - 29.99% Variable

Best for rewards on small purchases

Bankrate score

Rating: 4 stars out of 5
4.0
Info
Recommended credit score: 670 - 850
Info
Apply now Lock
on Citi's secure site

Intro offer

Info

20,000 points

$200 value
Info

Rewards rate

Info

1X - 5X

Annual fee

$0

Regular APR

18.74% - 28.74% (Variable)

Best for affordable luxury travel

Bankrate score

Rating: 5 stars out of 5
5.0
Info
Recommended credit score: 740 - 850
Info
Apply now Lock
on Capital One's secure site

Intro offer

Info

75,000 miles

Rewards Rate

Info

2 Miles - 10 Miles

Annual fee

$395

Regular APR

19.99% - 29.99% (Variable)

Best starter travel card

Bankrate score

Rating: 4.8 stars out of 5
4.8
Info
Recommended credit score: 670 - 850
Info
Apply now Lock
on Chase's secure site

Intro offer

Info

60,000 bonus points

Rewards Rate

Info

1x - 5x

Annual fee

$95

Regular APR

21.49% - 28.49% Variable

Best for travel perks

Bankrate score

Rating: 5 stars out of 5
5.0
Info
Recommended credit score: 740 - 850
Info
Apply now Lock
on Chase's secure site

Intro offer

Info

60,000 bonus points

Rewards Rate

Info

1x - 10x

Annual fee

$550

Regular APR

22.49% - 29.49% Variable

All information about the American Express® Green Card has been collected independently by Bankrate.com and has not been reviewed or approved by the issuer.

Compare Bankrate's top cards for excellent credit

Card name Best for Bankrate Review Score

Luxury travel + Best overall

4.8 / 5

Info
(Read card review)
Apply now Lock
on American Express's secure site
See Rates & Fees , Terms Apply

Dining

5.0 / 5

Info
(Read card review)
Apply now Lock
on American Express's secure site
See Rates & Fees , Terms Apply

Category variety

4.4 / 5

Info
(Read card review)