Best for food and entertainment

Capital One SavorOne Cash Rewards Credit Card

chance of approval
Apply now
On Capital One's secure site
Rewards rate
  • 8% Earn 8% cash back on Capital One Entertainment purchases and tickets at Vivid Seats
  • 5% Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • 3% Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®).
  • 1% Earn 1% on all other purchases.

Intro offer
$200 
Annual fee
$0
Regular APR
16.49% - 26.49% (Variable)
Good to Excellent (670 - 850)
chance of approval

Best for flexible travel rewards

Capital One VentureOne Rewards Credit Card

chance of approval
Apply now
On Capital One's secure site
Rewards rate
  • 5X Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
  • 1.25X Earn unlimited 1.25X miles on every purchase, every day.

Intro offer
20,000 miles 
Annual fee
$0
Regular APR
16.49% - 26.49% (Variable)
Good to Excellent (670 - 850)
chance of approval
Apply now
On American Express's secure site
See Rates & Fees , Terms Apply
See if you're pre‐approved for this card with CardMatch™
Rewards rate
  • 6% 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
  • 6% 6% Cash Back on select U.S. streaming subscriptions.
  • 3% 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more.
  • 3% 3% Cash Back at U.S. gas stations
  • 1% 1% Cash Back on other purchases

Intro offer
$350 
Annual fee
$95
Regular APR
16.99%-27.99% Variable
Recommended credit
Good to Excellent (670 - 850)

Best for low interest

Discover it® chrome

Apply now
On Discover's secure site
Rewards rate
  • 2% Earn cash back on your next road trip with 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter.
  • 1% Plus, earn unlimited 1% cash back on all other purchases - automatically.

Intro offer
Cashback Match™ 
Annual fee
$0
Regular APR
14.24% - 25.24% Variable
Recommended credit
Good to Excellent (670 - 850)

Best starter rewards card

Chase Freedom Unlimited®

Apply now
On Chase's secure site
Rewards rate
  • 5% Enjoy 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more;
  • 3% 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service
  • 1.5% 1.5% on all other purchases

Intro offer
Earn an Additional 1.5% Cash Back 
Annual fee
$0
Regular APR
17.24% - 25.99% Variable
Recommended credit
Good to Excellent (670 - 850)
chance of approval
Apply now
On Capital One's secure site
Rewards rate
  • 5% Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • 1.5% Earn unlimited 1.5% cash back on every purchase, every day

Intro offer
$200 
Annual fee
$0
Regular APR
16.49% - 26.49% (Variable)
Good to Excellent (670 - 850)
chance of approval

Best for flat-rate cash back

Citi® Double Cash Card

chance of approval
Apply now
On Citi's secure site
Rewards rate
  • 2% Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.

Intro offer
$200 Cash Back 
Annual fee
$0
Regular APR
16.24% - 26.24% (Variable)
Good to Excellent (670 - 850)
chance of approval

Best for category variety

Discover it® Cash Back

Apply now
On Discover's secure site
Rewards rate
  • 5% Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate.
  • 1% Plus, earn unlimited 1% cash back on all other purchases – automatically.

Intro offer
Cashback Match™ 
Annual fee
$0
Regular APR
14.24% - 25.24% Variable
Recommended credit
Good to Excellent (670 - 850)

Best for rewards on small purchases

Citi Rewards+® Card

chance of approval
Apply now
On Citi's secure site
Rewards rate
  • 5X For a limited time, earn 5 ThankYou® Points per $1 spent at restaurants up to $6,000 in the first 12 months and 1 ThankYou® Point per $1 spent thereafter.
  • 2X Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter.
  • 1X Earn 1X ThankYou® Points on All Other Purchases.

Intro offer
20,000 points 
Annual fee
$0
Regular APR
15.74% - 25.74% (Variable)
Good to Excellent (670 - 850)
chance of approval
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Bankrate insight
Inflation has resulted in financial challenges for many Americans. A survey conducted by Bankrate found that nearly three in four consumers have been impacted by rising prices.

Credit cards may be able to ease the pain and earn rewards on key expenses like gas, groceries and dining. Bankrate expert Ted Rossman notes credit cards can help you beat inflation if they’re used responsibly, thanks to features like rewards, sign-up bonuses, 0 percent interest offers and more.


Compare Bankrate’s top cards for excellent credit

Card Name Best for Bankrate Review Score
Capital One SavorOne Cash Rewards Credit Card Food and entertainment 4.9 / 5
(Read full card review)
Capital One VentureOne Rewards Credit Card Flexible travel rewards 4.2 / 5
(Read full card review)
Blue Cash Preferred Card from American Express Groceries and gas 4.4 / 5
(Read full card review)
Discover it chrome Low interest 4.0 / 5
(Read full card review)
Chase Freedom Unlimited Starter rewards card 5.0 / 5
(Read full card review)
Capital One Quicksilver Cash Rewards Credit Card Simple cash back 3.8 / 5
(Read full card review)
Citi Double Cash Card Flat-rate cash back 4.3 / 5
(Read full card review)
Discover it Cash Back Category variety 4.4 / 5
(Read full card review)
Citi Rewards+ Card Rewards on small purchases 4.0 / 5
(Read full card review)

A closer look at Bankrate’s best cards for excellent credit

Capital One SavorOne Cash Rewards Credit Card: Best for food and entertainment

  • What we love about the Capital One SavorOne: It’s rare for a no-annual-fee card to provide such robust (unlimited) rewards rates for major categories like dining, entertainment, popular streaming services and grocery store categories. Entertainment rewards are hard to come by, and this card is especially appetizing since few cards reward food at home as well as at restaurants.
  • Who this card is good for: Socialites and foodies who will make the most of this comprehensive entertainment and dining rewards card.
  • Alternatives: The Discover it® Chrome rewards dining, too, plus it tacks on gas rewards for people who are on the go. However, the Chase Freedom Unlimited® card’s 3 percent cash back on dining and drugstore purchases is a bit stronger stacked on its unlimited 1.5 cash back on all other purchases.

Read our full Capital One SavorOne Cash Rewards Credit Card review.
Jump back to offer details.

Capital One VentureOne Rewards Credit Card: Best for flexible travel rewards

  • What we love about the Capital One VentureOne: Few mile-earning travel cards are available for no annual fee, and this card’s flat-rate rewards are perfect for fans of simplicity. Capital One’s long list of 1:1 transfer partners and the option to cover past travel purchases (made in the past 90 days) make your miles more flexible and easier to maximize than competitors’ travel rewards.
  • Who this card is good for: Occasional travelers who don’t want their rewards tied to a single airline or hotel chain but don’t mind putting in the elbow grease for transfer partners’ value boost.
  • Alternatives: If you like cash back, the Chase Freedom Unlimited has a slightly higher 1.5 percent flat rewards rate and offers additional rewards categories, like 5 percent cash back on travel booked through Chase Ultimate Rewards. It also provides more impressive perks like trip cancellation and interruption insurance. Frequent travelers can get much more value out of a premium travel card like the Capital One Venture X Rewards Credit Card.

Read our full Capital One VentureOne Rewards Credit Card review.
Jump back to offer details.

Blue Cash Preferred Card from American Express: Best for groceries and gas

  • What we love about the Blue Cash Preferred: This well-rounded card offers perhaps the highest rewards rate at U.S. supermarkets of any grocery credit card available. The card’s unlimited 3 percent cash back rate at U.S. gas stations can be incredibly rewarding, too, especially when gas prices are high. If your commute doesn’t involve driving, you’re in luck — the card’s broad transit category earns the same rewards rate.
  • Who this card is good for: Individuals and families with budgets focused on household expenses, mainly groceries and commuting.
  • Alternatives: The Citi Double Cash Card has a simpler reward structure with unlimited up to 2 percent cash back on all purchases (1 percent cash back when you buy, plus an additional 1 percent as you pay for those purchases), which may be appealing for those who don’t spend as much on groceries or gas. The Blue Cash Everyday® Card from American Express is a no-annual-fee version of the Blue Cash Preferred, with lower rewards rates and an impressive online retail category.

Read our full Blue Cash Preferred Card from American Express review.
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Discover it chrome: Best for low interest

  • What we love about the Discover it Chrome: Despite low rewards rates for good to excellent credit, Discover’s low interest rate and fees can be worth it if you need to carry a balance occasionally. There’s no penalty APR, no fee on your first late payment, (then up to $41), and this card’s 14.24 percent to 25.24 percent (variable) APR can be well below the current average interest rate.
  • Who this card is good for: On-the-go people who spend a fair amount of money at gas stations and restaurants, but may need to carry a balance once in a while.
  • Alternatives: The Capital One SavorOne card is a much more rewarding card for groceries (excluding superstores), and a range of other everyday staples, if you have excellent credit and can’t justify an annual fee. If low interest is your top priority, the Discover it Cash Back card offers an interest rate identical to the Discover it chrome’s rate, and it has a stronger rewards structure.

Read our full Discover it chrome review.
Jump back to offer details.

Chase Freedom Unlimited: Best starter rewards card

  • What we love about the Chase Freedom Unlimited: The Chase Freedom Unlimited offers the same 1.5 percent cash back on all purchases as many flat-rate cards, but sets itself apart by stacking on additional, everyday bonus categories. Its well-rounded intro offers, rich perks and lucrative pairing opportunities with Chase travel cards are also impressive elements that solidify this option as the best starter rewards card if you have excellent credit.
  • Who this card is good for: First-time cardholders — and rewards veterans — looking for a one-size-fits-all rewards card that can be paired with other Chase Ultimate Rewards cards to pool and maximize rewards.
  • Alternatives: Staying in the Chase portfolio, the Chase Freedom Flex℠ is remarkably similar to the Freedom Unlimited but trades flat-rate cash back for quarterly rotating categories that can potentially be more valuable. But if flat-rate rewards are the main appeal, the Citi® Double Cash Card earns up to 2 percent cash back on all purchases (1 percent when you purchase and another 1 percent once you pay it off).

Read our full Chase Freedom Unlimited review.
Jump back to offer details.

Capital One Quicksilver Cash Rewards Credit Card: Best for simple cash back

  • What we love about the Capital One Quicksilver: An unlimited flat rewards rate is always easy-to-manage, as you won’t be limited on where you can earn rewards and how much of them you can rack up. Capital One simplifies this card’s rewards program further by allowing you to set your rewards to automatically redeem on a certain date or at a sufficient rewards balance threshold.
  • Who this card is good for: No-frills rewards seekers who want to get their rewards and go without having to chase bonus categories or enrollment dates.
  • Alternatives: If this card doesn’t offer the potential cash back value you had in mind, you might be better off with the Citi Double Cash’s higher rewards rate or the Chase Freedom Unlimited’s additional bonus categories and perks.

Read our full Capital One Quicksilver Cash Rewards Credit Card review.
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Citi Double Cash Card: Best for flat-rate cash back

  • What we love about the Citi Double Cash: Its up to 2 percent unlimited cash back on every purchase (1 percent cash back when you buy, plus another 1 percent after paying it off) is one of the highest flat rewards rates available. This card’s intro balance transfer offer can seal the deal if you’re bringing over a balance from another card.
  • Who this card is good for: Diligent cardholders who prefer a simple rewards program and may be transferring a balance. Cardholders who already have the Citi Premier® Card can make good use of this card as well by using its flat-rate rewards toward travel.
  • Alternatives: If you want a bonus category card’s boosted rewards, the Citi Custom Cash℠ Card may earn you more cash back based on your top eligible spending category each billing cycle. The Chase Freedom Unlimited’s 1.5 percent general spending cash back is slightly lower than the Double Cash card’s flat rate, but the card’s additional 3 percent bonus categories may also earn you more rewards in the long run.

Read our full Citi Double Cash Card review.
Jump back to offer details.

Discover it Cash Back: Best for category variety

  • What we love about the Discover it Cash Back: Although rotating categories may require extra work for cardholders, Discover announces each category the previous year so you can plan ahead. What’s more, the range of popular categories in Discover’s 2022 cash back calendar can make them easy to maximize each quarter.
  • Who this card is good for: Credit strategists who don’t mind keeping tabs on enrollment calendars and rotating bonus categories to rake in rewards on each season’s biggest expenses.
  • Alternatives: If you want more consistent rewards from quarter to quarter, the Chase Freedom Flex provides the same high-rate rewards on rotating categories. However, you can also enjoy cash back from additional bonus categories on top of Chase’s quarterly categories, including unlimited 3 percent cash back on dining and drugstore purchases year-round. It may be a bit harder to plan ahead with the Freedom Flex, though, since its rotating categories are only announced a quarter in advance.

Read our full Discover it Cash Back review.
Jump back to offer details.

Citi Rewards+ Card: Best for rewards on small purchases

  • What we love about the Citi Rewards+: Thanks to the Citi Rewards+ card’s roundup feature, every purchase you make will be rounded up to the nearest 10 points. For example, a $4 coffee would be worth 10 points. This rewards bump can add up quickly if you make a lot of small purchases throughout the week. You’ll also receive 10 percent back of the points you redeem (on up to the first 100,000 points each year).
  • Who this card is good for: Modest supermarket and gas station spenders who make frequent pit stops for coffee, snacks and other small purchases. This card’s reward perks are even more helpful if you have a Citi Premier card to pool rewards.
  • Alternatives: If you pay off your card on time and in full, the Citi Double Cash can provide the same 2 percent/2X rewards rate on all purchases without a yearly spending limit (1 percent cash back when you buy, plus an additional 1 percent as you pay for those purchases). But if you spend the most at U.S. supermarkets and U.S. gas stations, the Blue Cash Everyday card may be your most rewarding no-annual-fee option.

Read our full Citi Rewards+ Card review.
Jump back to offer details.

What is an excellent credit score?

An excellent credit score is usually considered an 800 to 850 on the FICO scale. VantageScore is a bit more lenient in considering “excellent” to fall anywhere between 750 and 850. VantageScore and FICO both incorporate data from credit bureaus, but their scores are generated with different mathematical models. Despite their differences, if you have excellent credit, both will generally reflect it.

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Bankrate Insight
Is having excellent credit today a reliable indicator of your finances tomorrow? According to Experian, less than 1 percent of people who have Exceptional FICO Scores (800 to 850) are likely to become seriously delinquent in the future.

How to get an excellent credit score

Achieving excellent credit requires a combination of good financial habits and patience. A great way to get started is with the following key steps.

  1. Familiarize yourself with the factors that make up your credit score. Things like your credit utilization ratio, the age of your accounts, your payment history, credit mix and new credit are all major facets that make up your credit score. Understanding these factors and the effects they have on your score is a key part of making sure you know how to build it up.
  2. Dispute any errors you find on your credit report (which is not the same as your credit score). Your credit report is a compilation of your entire history as a credit user, while your credit score can be thought of as a current-day snapshot. You can remove negative items from your credit report by reaching out directly to the credit bureau, and getting rid of these items that are hindering your score can be a game-changer when building credit.
  3. Pay off debts regularly and keep your credit utilization ratio low. Overspending on the amount of credit available to you sends signals of financial instability to lenders. Paying your bills on time and in full each month and building a positive payment history is one of the best ways to see steady growth in your credit score.
  4. Avoid applying for multiple cards in a short period. Doing so can signal to lenders that you are a riskier candidate. Also, each card application you submit will result in a hard credit check. Hard credit checks can temporarily drive down your credit score.
  5. Have patience. You likely won’t achieve an excellent score within months of opening your first credit card. Also, remember that you don’t need to strive for a perfect 850 credit score. Anyone with a score within the “exceptional” range, which FICO considers 800 and above, should be able to enjoy the same benefits as someone with a perfect score.
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Bankrate Insight
An excellent credit score—qualified as 800 and up according to FICO—isn’t as uncommon as you may think. Twenty-one percent of all consumers’ credit scores fall into the excellent category. On the other hand, only 1.2 percent of Americans have a “perfect” FICO Score of 850. However, an exceptional FICO Score of 800 or above means you already enjoy virtually all the benefits of a perfect score.

How to maintain an excellent credit score

  • Keep up with the positive credit habits you’ve established. If you have excellent credit, odds are you’re already paying your credit card bills on time and in full and keeping your credit utilization low. Continuing with these and other positive credit habits is a solid way to maintain your excellent score.
  • Dive into a credit card strategy. Having excellent credit affords you access to some of the best credit cards on the market. Put your responsibility skills to good use and develop a strategy to use these top-tier cards to reap the highest returns on your most popular purchases while still putting your good credit habits at the forefront to keep you on top.
  • Focus on long-term maintenance over short-term fluctuations. As you continue to build your credit portfolio, you may find yourself applying for new cards or upgrading to better versions of the ones you already have. New credit inquiries of any kind may cause small score dips here and there, but as long as you continue to make smart credit choices, you should be able to maintain your excellent score.

How to choose a credit card when you have excellent credit

Reaching an excellent credit score isn’t an easy feat, and it doesn’t happen overnight. When you have excellent credit, there are so many options available to you when choosing a credit card that it might be difficult to narrow your choices. Determining what’s important to you will help hone in on the right choice when choosing a credit card. Ask yourself:

How we chose our best cards for excellent credit scores

Bankrate's 5-star scoring system evaluates features that offer maximum value and first-rate user experience. For cards in the excellent credit category, we refine the method to focus on a set of particular factors including:

Rewards value

By matching lifestyle categories with the cards most likely to maximize returns, we've made it easy for you to find the card that will offer the best value — points, miles or cash back.

APR

Annual percentage rate (APR) represents interest charges you would face if you didn't pay your balance fully. With excellent credit, you're more likely to qualify for a low APR.

Extras and discounts

On top of earning rewards, each credit card on this list offers features that raise its overall value. Perks like statement credits on travel, access to travel lounges, and free credit score monitoring allow cardholders to maximize the benefits of achieving a strong credit score.

Cost of ownership

Some of these cards come with an annual fee, but in those cases, the earnings potential should outweigh the cost. The travel cards frequently waive foreign transaction fees.

More resources for excellent credit consumers

If you have excellent credit, you can qualify for some of the best cards on the market. Here are some resources to help you get more information about credit cards and credit scores:


Have more questions for our credit cards editors? Feel free to send us an email, find us on Facebook, or Tweet us @Bankrate.

Frequently asked questions about credit cards for excellent credit scores

about the author
As a staff writer for Bankrate and CreditCards.com, Sarah offers sound advice that will improve your financial life and help simplify topics like travel hacking and credit card rewards.
about the editor
Courtney Mihocik is an editor at Bankrate Credit Cards and CreditCards.com specializing in credit card news and personal finance advice. Previously, she led insurance content at Reviews.com and worked as the loans editor at The Simple Dollar.

* See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.