Explore the Best Credit Cards for Excellent Credit Scores

If you are looking for the best credit cards for excellent credit scores, then you have a lot of options to consider. BestCards.com’s detailed reviews can help you narrow down your picks of credit cards for excellent credit. Discover your ideal credit card today.

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FEATURED CARD – READ REVIEW

Grand Reserve™ World Mastercard®

Earn 50,000 Bonus Points When You Spend $3,000 on Purchases in the First 3 Months After Account Opening

Grand Reserve™ World Mastercard®
  • Regular Purchase APR 14.99% to 22.99% variable based on creditworthiness and the Prime Rate
  • Annual Fee None for the first year. After that, $149
  • Credit Needed Excellent , Good
  • Processing Network Mastercard
Best Benefits
  • Earn 50,000 Grand Reserve Rewards points after you spend $3,000 in 90 days from account opening
  • Receive a welcome gift of a pair of wine glasses (a $110 value) on card activation
  • Earn up to 7x points per dollar on wine purchases, with our Top Wine Merchant Bonus
  • Earn 5x points per dollar at more than 450 wineries, wine clubs, and other Grand Reserve Partners
  • Redeem your points for wine, sommelier-approved wine accessories, and unique vineyard experiences
  • Receive special offers and concierge services for wine country visits with your included complimentary Priority Wine Pass
  • $0 annual fee for the first year, then $149
  • No foreign exchange fee
Rates & Fees
  • Regular Purchase APR: 14.99% to 22.99% variable based on creditworthiness and the Prime Rate
  • Annual Fee: None for the first year. After that, $149
  • Late Payment Penalty Fee: Up to $25
  • Return Payment Penalty Fee: Up to $37
Credit Card Deals
  • Take a hike with an award-winning landscape photographer - Offer Expires on December 31, 2021 - See Details
  • Immerse yourself in the world of Italian food and wine - Offer Expires on January 24, 2031 - See Details
  • Exclusive tableware and home d?cor items from porcelain - Offer Expires on December 31, 2021 - See Details
  • Go on a guided truffle-hunting expedition in the Motovun Forest - Offer Expires on December 31, 2021 - See Details
  • Embark on a journey through the city of the Iron Throne - Offer Expires on December 31, 2021 - See Details
  • Discover Agra beyond the Taj Mahal on a virtual tour - Offer Expires on December 31, 2021 - See Details
  • Play the Hidden Network of Private Courses - Offer Expires on December 31, 2022 - See Details
  • Marvel at a celebrity stylist's star-studded fashion collection - Offer Expires on June 01, 2021 - See Details
  • Embark on a virtual trip to the Banaras' ghats, Sarnath, and more - Offer Expires on December 31, 2021 - See Details
  • Get a glimpse into India's history through the Gujarati thali - Offer Expires on December 31, 2021 - See Details
  • View All Deals -

FEATURED CARD – READ REVIEW

Upgrade Visa® Card with Cash Rewards

Earn 1.5% Unlimited Cash Back

Upgrade Visa® Card with Cash Rewards
  • Regular Purchase APR 8.99%-29.99% variable based on creditworthiness and the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good , Fair
  • Processing Network Visa
Best Benefits
  • Earn 1.5% unlimited cash back on card purchases every time you make a payment
  • Combine the flexibility of a card with the low cost and predictability of a loan
  • $0 fees - $0 annual fee, $0 activation fees, $0 maintenance fees
  • No touch payments with contactless technology built in
  • See if you qualify in minutes without hurting your credit score
  • Great for large purchases with predictable payments you can budget for
Rates & Fees
  • Regular Purchase APR: 8.99%-29.99% variable based on creditworthiness and the Prime Rate
Credit Card Deals
  • Save 4% on hotel room stays - Offer Expires on June 01, 2021 - See Details
  • Save 4% on all purchases - Offer Expires on May 16, 2021 - See Details
  • Save 4% on hotel room reservations - Offer Expires on June 01, 2021 - See Details
  • Save 4% on hotel room stays - Offer Expires on June 01, 2021 - See Details
  • Save 4% on all purchases - Offer Expires on May 16, 2021 - See Details
  • Save 4% on hotel room reservations - Offer Expires on June 01, 2021 - See Details
  • Save 4% on hotel room reservations in the U.S. - Offer Expires on June 01, 2021 - See Details
  • Save 4% on hotel room reservations - Offer Expires on June 01, 2021 - See Details
  • Save 4% on hotel room stays - Offer Expires on June 01, 2021 - See Details
  • Save 4% on hotel room reservations - Offer Expires on June 01, 2021 - See Details
  • View All Deals -

FEATURED CARD – READ REVIEW

Mastercard® Black Card™

Patented Card Construction and 24/7 Luxury Card Concierge

Mastercard® Black Card™
  • Regular Purchase APR 14.99% variable based on the Prime Rate
  • Balance Transfer APR 14.99% variable based on the Prime Rate
  • Cash Advance APR 25.24% variable based on the Prime Rate
  • Annual Fee $495
  • Credit Needed Excellent , Good
  • Processing Network Mastercard
Best Benefits
  • Patented black-PVD-coated metal card—weighing 22 grams
  • 2% value for airfare redemptions with no blackout dates or seat restrictions. 1.5% value for cash back redemptions. Earn one point for every one dollar spent
  • 24/7 Luxury Card Concierge®—available by phone, email and live mobile chat. Around-the-clock service to help you save time and manage tasks big and small
  • Exclusive Luxury Card Travel® benefits—average value of $500 per stay (e.g., resort credits, room upgrades, free wifi, breakfast for two and more) at over 3,000 properties
  • Annual Airline Credit—up to $100 in statement credits toward flight-related purchases including airline tickets, baggage fees, upgrades and more. Up to a $100 application fee credit for the cost of TSA Pre?® or Global Entry
  • Enrollment in Priority Pass™ Select with access to 1,300+ airport lounges worldwide with no guest limit. Includes credits at select airport restaurants for cardholder and one guest
  • Cell phone protection for eligible claims of up to $1,000 each year. Plus additional World Elite Mastercard® benefits
  • Annual Fee: $495 ($195 for each Authorized User). Terms and conditions apply
Rates & Fees
  • Regular Purchase APR: 14.99% variable based on the Prime Rate
  • Intro Balance Transfer APR: 0% for the first 15 months on transfers that post within 45 days of account opening
  • Balance Transfer APR: 14.99% variable based on the Prime Rate
  • Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 25.24% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 5% of the amount of each transaction, whichever is greater
  • Annual Fee: $495
  • Late Payment Penalty Fee: Up to $39
  • Return Payment Penalty Fee: Up to $39
Credit Card Deals
  • Take a hike with an award-winning landscape photographer - Offer Expires on December 31, 2021 - See Details
  • Immerse yourself in the world of Italian food and wine - Offer Expires on January 24, 2031 - See Details
  • Exclusive tableware and home d?cor items from porcelain - Offer Expires on December 31, 2021 - See Details
  • Go on a guided truffle-hunting expedition in the Motovun Forest - Offer Expires on December 31, 2021 - See Details
  • Embark on a journey through the city of the Iron Throne - Offer Expires on December 31, 2021 - See Details
  • Discover Agra beyond the Taj Mahal on a virtual tour - Offer Expires on December 31, 2021 - See Details
  • Play the Hidden Network of Private Courses - Offer Expires on December 31, 2022 - See Details
  • Marvel at a celebrity stylist's star-studded fashion collection - Offer Expires on June 01, 2021 - See Details
  • Embark on a virtual trip to the Banaras' ghats, Sarnath, and more - Offer Expires on December 31, 2021 - See Details
  • Get a glimpse into India's history through the Gujarati thali - Offer Expires on December 31, 2021 - See Details
  • View All Deals -

FEATURED CARD – READ REVIEW

Mastercard® Titanium Card™

Made of Stainless Steel

Mastercard® Titanium Card™
  • Regular Purchase APR 14.99% variable based on the Prime Rate
  • Balance Transfer APR 14.99% variable based on the Prime Rate
  • Cash Advance APR 25.24% variable based on the Prime Rate
  • Annual Fee $195
  • Credit Needed Excellent , Good
  • Processing Network Mastercard
Best Benefits
  • Patented brushed stainless steel front and carbon back-weighing 22 grams
  • 2% value for airfare redemptions with no blackout dates or seat restrictions. 1% value for cash back redemptions. Earn one point for every one dollar spent
  • 24/7 Luxury Card Concierge®—available by phone, email and live mobile chat. Around-the-clock service to help you save time and manage tasks big and small
  • Exclusive Luxury Card Travel® benefits—average value of $500 per stay (e.g., resort credits, room upgrades, free wifi, breakfast for two and more) at over 3,000 properties
  • Members-only LUXURY MAGAZINE®
  • Cell phone protection for eligible claims of up to $1,000 each year. Plus additional World Elite Mastercard® benefits
  • Annual fee: $195 ($95 for each Authorized User). Terms and conditions apply
Rates & Fees
  • Regular Purchase APR: 14.99% variable based on the Prime Rate
  • Intro Balance Transfer APR: 0% for the first 15 months on transfers that post within 45 days of account opening
  • Balance Transfer APR: 14.99% variable based on the Prime Rate
  • Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 25.24% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 5% of the amount of each transaction, whichever is greater
  • Annual Fee: $195
  • Late Payment Penalty Fee: Up to $39
  • Return Payment Penalty Fee: Up to $39
Credit Card Deals
  • Take a hike with an award-winning landscape photographer - Offer Expires on December 31, 2021 - See Details
  • Immerse yourself in the world of Italian food and wine - Offer Expires on January 24, 2031 - See Details
  • Exclusive tableware and home d?cor items from porcelain - Offer Expires on December 31, 2021 - See Details
  • Go on a guided truffle-hunting expedition in the Motovun Forest - Offer Expires on December 31, 2021 - See Details
  • Embark on a journey through the city of the Iron Throne - Offer Expires on December 31, 2021 - See Details
  • Discover Agra beyond the Taj Mahal on a virtual tour - Offer Expires on December 31, 2021 - See Details
  • Play the Hidden Network of Private Courses - Offer Expires on December 31, 2022 - See Details
  • Marvel at a celebrity stylist's star-studded fashion collection - Offer Expires on June 01, 2021 - See Details
  • Embark on a virtual trip to the Banaras' ghats, Sarnath, and more - Offer Expires on December 31, 2021 - See Details
  • Get a glimpse into India's history through the Gujarati thali - Offer Expires on December 31, 2021 - See Details
  • View All Deals -

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Showing 574 Cards

Date Reviewed: March 19, 2021

Capital on Tap Founder Rewards Business Visa

Capital on Tap Founder Rewards Business Visa
  • Regular Purchase APR 24.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 34.99% variable based on creditworthiness and the Prime Rate
  • Annual Fee $199
  • Credit Needed Excellent , Good , Fair
  • Processing Network Visa
Best Benefits
  • Unlimited 2% cash back on every purchase
  • Up to 20 additional employee cards free of charge
  • No foreign transaction fees
  • Interest rates as low as 9.99%
Rates & Fees
  • Regular Purchase APR: 24.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR: 34.99% variable based on creditworthiness and the Prime Rate
  • Penalty APR: 34.99% for 12 months
  • Annual Fee: $199
  • Late Payment Penalty Fee: $29
Credit Card Deals
  • Save 4% on hotel room stays - Offer Expires on June 01, 2021 - See Details
  • Save 4% on all purchases - Offer Expires on May 16, 2021 - See Details
  • Save 4% on hotel room reservations - Offer Expires on June 01, 2021 - See Details
  • Save 4% on hotel room stays - Offer Expires on June 01, 2021 - See Details
  • Save 4% on all purchases - Offer Expires on May 16, 2021 - See Details
  • Save 4% on hotel room reservations - Offer Expires on June 01, 2021 - See Details
  • Save 4% on hotel room reservations in the U.S. - Offer Expires on June 01, 2021 - See Details
  • Save 4% on hotel room reservations - Offer Expires on June 01, 2021 - See Details
  • Save 4% on hotel room stays - Offer Expires on June 01, 2021 - See Details
  • Save 4% on hotel room reservations - Offer Expires on June 01, 2021 - See Details
  • View All Deals -

Date Reviewed: March 03, 2021

Capital on Tap Regular Rewards Business Visa

Capital on Tap Regular Rewards Business Visa
  • Regular Purchase APR 24.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 34.99% variable based on creditworthiness and the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good , Fair
  • Processing Network Visa
Best Benefits
  • No annual fee
  • Unlimited 1% cash back on every purchase
  • Up to 20 additional employee cards free of charge
  • No foreign transaction fees
Rates & Fees
  • Regular Purchase APR: 24.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR: 34.99% variable based on creditworthiness and the Prime Rate
  • Penalty APR: 34.99% for 12 months
  • Late Payment Penalty Fee: $29
Credit Card Deals
  • Save 4% on hotel room stays - Offer Expires on June 01, 2021 - See Details
  • Save 4% on all purchases - Offer Expires on May 16, 2021 - See Details
  • Save 4% on hotel room reservations - Offer Expires on June 01, 2021 - See Details
  • Save 4% on hotel room stays - Offer Expires on June 01, 2021 - See Details
  • Save 4% on all purchases - Offer Expires on May 16, 2021 - See Details
  • Save 4% on hotel room reservations - Offer Expires on June 01, 2021 - See Details
  • Save 4% on hotel room reservations in the U.S. - Offer Expires on June 01, 2021 - See Details
  • Save 4% on hotel room reservations - Offer Expires on June 01, 2021 - See Details
  • Save 4% on hotel room stays - Offer Expires on June 01, 2021 - See Details
  • Save 4% on hotel room reservations - Offer Expires on June 01, 2021 - See Details
  • View All Deals -

Date Reviewed: March 02, 2021

FordPass™ Rewards Visa® Signature Card

FordPass™ Rewards Visa® Signature Card
  • Regular Purchase APR 15.99% to 26.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 15.99% to 26.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 25.24% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Intro Purchase APR 0% for 6 months on Ford purchases over $499
  • Processing Network Visa
Best Benefits
  • No annual fee
  • 5% back on Ford Dealership purchases
  • 3% back on gas, auto insurance, tolls, parking, and dining
  • 10% back on Ford services
  • 0% for 6 months on Ford purchases over $499
Rates & Fees
  • Intro Purchase APR: 0% for 6 months on Ford purchases over $499
  • Regular Purchase APR: 15.99% to 26.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 15.99% to 26.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Either $10 or 5% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 25.24% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $15 or 5% of the amount of each cash advance, whichever is greater
  • Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: Up to $40
  • Return Payment Penalty Fee: Up to $35
Credit Card Deals
  • Save 4% on hotel room stays - Offer Expires on June 01, 2021 - See Details
  • Save 4% on all purchases - Offer Expires on May 16, 2021 - See Details
  • Save 4% on hotel room reservations - Offer Expires on June 01, 2021 - See Details
  • Save 4% on hotel room stays - Offer Expires on June 01, 2021 - See Details
  • Save 4% on all purchases - Offer Expires on May 16, 2021 - See Details
  • Save 4% on hotel room reservations - Offer Expires on June 01, 2021 - See Details
  • Save 4% on hotel room reservations in the U.S. - Offer Expires on June 01, 2021 - See Details
  • Save 4% on hotel room reservations - Offer Expires on June 01, 2021 - See Details
  • Save 4% on hotel room stays - Offer Expires on June 01, 2021 - See Details
  • Save 4% on hotel room reservations - Offer Expires on June 01, 2021 - See Details
  • View All Deals -

Date Reviewed: February 17, 2021

PlayStation® Visa® Credit Card

 PlayStation® Visa® Credit Card
  • Regular Purchase APR 13.99%, 19.99%, or 22.74% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 26.99%
  • Cash Advance APR 23.74% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent
  • Intro Purchase APR 0% for 6 months from account opening date
  • Processing Network Visa
Best Benefits
  • No annual fee
  • 0% intro APR for the first 6 months
  • Earn 5X points on PlayStation or Sony purchases
  • Earn 3X points on internet and cable bills
  • Earn 2X points on dining
Rates & Fees
  • Intro Purchase APR: 0% for 6 months from account opening date
  • Regular Purchase APR: 13.99%, 19.99%, or 22.74% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 26.99%
  • Balance Transfer Transaction Fee: Either $10 or 5% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 23.74% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
  • Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: Up to $40
  • Return Payment Penalty Fee: Up to $40
Credit Card Deals
  • Save 4% on hotel room stays - Offer Expires on June 01, 2021 - See Details
  • Save 4% on all purchases - Offer Expires on May 16, 2021 - See Details
  • Save 4% on hotel room reservations - Offer Expires on June 01, 2021 - See Details
  • Save 4% on hotel room stays - Offer Expires on June 01, 2021 - See Details
  • Save 4% on all purchases - Offer Expires on May 16, 2021 - See Details
  • Save 4% on hotel room reservations - Offer Expires on June 01, 2021 - See Details
  • Save 4% on hotel room reservations in the U.S. - Offer Expires on June 01, 2021 - See Details
  • Save 4% on hotel room reservations - Offer Expires on June 01, 2021 - See Details
  • Save 4% on hotel room stays - Offer Expires on June 01, 2021 - See Details
  • Save 4% on hotel room reservations - Offer Expires on June 01, 2021 - See Details
  • View All Deals -

Date Reviewed: February 16, 2021

American Savings Bank Platinum Edition Visa Card

American Savings Bank Platinum Edition Visa Card
  • Regular Purchase APR 14.24% to 23.24% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 14.24% to 23.24% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 25.24% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good , Fair
  • Processing Network Visa
Best Benefits
  • No annual fee
  • 0% introductory APR on balance transfers for 15 months
  • Low APR
Rates & Fees
  • Regular Purchase APR: 14.24% to 23.24% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for the first 14 months
  • Balance Transfer APR: 14.24% to 23.24% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Either $10 or 5% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 25.24% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $15 or 5% of the amount of each cash advance, whichever is greater
  • Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: Up to $40
  • Return Payment Penalty Fee: Up to $35
Credit Card Deals
  • Save 4% on hotel room stays - Offer Expires on June 01, 2021 - See Details
  • Save 4% on all purchases - Offer Expires on May 16, 2021 - See Details
  • Save 4% on hotel room reservations - Offer Expires on June 01, 2021 - See Details
  • Save 4% on hotel room stays - Offer Expires on June 01, 2021 - See Details
  • Save 4% on all purchases - Offer Expires on May 16, 2021 - See Details
  • Save 4% on hotel room reservations - Offer Expires on June 01, 2021 - See Details
  • Save 4% on hotel room reservations in the U.S. - Offer Expires on June 01, 2021 - See Details
  • Save 4% on hotel room reservations - Offer Expires on June 01, 2021 - See Details
  • Save 4% on hotel room stays - Offer Expires on June 01, 2021 - See Details
  • Save 4% on hotel room reservations - Offer Expires on June 01, 2021 - See Details
  • View All Deals -

Date Reviewed: February 16, 2021

American Savings Bank Maximum Rewards Visa Card

American Savings Bank Maximum Rewards Visa Card
  • Regular Purchase APR 18.24% to 28.24% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 18.24% to 28.24% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 25.24% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Intro Purchase APR 0% for 6 months from account opening date
  • Processing Network Visa
Best Benefits
  • No annual fee
  • Unlimited 1.5% cash back on every purchase
  • 0% Intro APR for the first 6 months on purchases and balance transfers
  • Rewards expire after 5 years
Rates & Fees
  • Intro Purchase APR: 0% for 6 months from account opening date
  • Regular Purchase APR: 18.24% to 28.24% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for 6 months from account opening date
  • Balance Transfer APR: 18.24% to 28.24% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Either $10 or 5% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 25.24% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $15 or 5% of the amount of each cash advance, whichever is greater
  • Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: Up to $40
  • Return Payment Penalty Fee: Up to $35
Credit Card Deals
  • Save 4% on hotel room stays - Offer Expires on June 01, 2021 - See Details
  • Save 4% on all purchases - Offer Expires on May 16, 2021 - See Details
  • Save 4% on hotel room reservations - Offer Expires on June 01, 2021 - See Details
  • Save 4% on hotel room stays - Offer Expires on June 01, 2021 - See Details
  • Save 4% on all purchases - Offer Expires on May 16, 2021 - See Details
  • Save 4% on hotel room reservations - Offer Expires on June 01, 2021 - See Details
  • Save 4% on hotel room reservations in the U.S. - Offer Expires on June 01, 2021 - See Details
  • Save 4% on hotel room reservations - Offer Expires on June 01, 2021 - See Details
  • Save 4% on hotel room stays - Offer Expires on June 01, 2021 - See Details
  • Save 4% on hotel room reservations - Offer Expires on June 01, 2021 - See Details
  • View All Deals -

Date Reviewed: April 13, 2021

Deserve® EDU

Deserve® EDU
  • Regular Purchase APR 18.74% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Processing Network Mastercard
Best Benefits
  • Receive one year of Amazon Prime Student on Deserve after spending $500 in the first three billing cycles with your EDU card (Lifetime Value of $59)
  • Earn 1% Cash Back on all purchases with your Deserve EDU Mastercard. Once approved, you'll automatically start earning cash back on all purchases
  • Feel secure with cell phone protection up to $600
  • No international transaction fees on purchases abroad so you can travel with confidence
  • No Social Security Number required for international students to apply
Rates & Fees
  • Regular Purchase APR: 18.74% variable based on the Prime Rate
  • Late Payment Penalty Fee: Up to $25
  • Return Payment Penalty Fee: Up to $37
Credit Card Deals
  • Take a hike with an award-winning landscape photographer - Offer Expires on December 31, 2021 - See Details
  • Immerse yourself in the world of Italian food and wine - Offer Expires on January 24, 2031 - See Details
  • Exclusive tableware and home d?cor items from porcelain - Offer Expires on December 31, 2021 - See Details
  • Go on a guided truffle-hunting expedition in the Motovun Forest - Offer Expires on December 31, 2021 - See Details
  • Embark on a journey through the city of the Iron Throne - Offer Expires on December 31, 2021 - See Details
  • Discover Agra beyond the Taj Mahal on a virtual tour - Offer Expires on December 31, 2021 - See Details
  • Play the Hidden Network of Private Courses - Offer Expires on December 31, 2022 - See Details
  • Marvel at a celebrity stylist's star-studded fashion collection - Offer Expires on June 01, 2021 - See Details
  • Embark on a virtual trip to the Banaras' ghats, Sarnath, and more - Offer Expires on December 31, 2021 - See Details
  • Get a glimpse into India's history through the Gujarati thali - Offer Expires on December 31, 2021 - See Details
  • View All Deals -

Date Reviewed: January 28, 2021

Brex Mastercard® Corporate Credit Card

Brex Mastercard® Corporate Credit Card
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Processing Network Mastercard
Best Benefits
  • 10-20X higher limits than traditional business credit cards
  • No personal guarantee required
  • No fees and no interest charges
  • Create virtual credit cards for your team as soon as you're approved
  • Built-in QuickBooks, NetSuite, and Xero integrations
Rates & Fees
    Credit Card Deals
    • Take a hike with an award-winning landscape photographer - Offer Expires on December 31, 2021 - See Details
    • Immerse yourself in the world of Italian food and wine - Offer Expires on January 24, 2031 - See Details
    • Exclusive tableware and home d?cor items from porcelain - Offer Expires on December 31, 2021 - See Details
    • Go on a guided truffle-hunting expedition in the Motovun Forest - Offer Expires on December 31, 2021 - See Details
    • Embark on a journey through the city of the Iron Throne - Offer Expires on December 31, 2021 - See Details
    • Discover Agra beyond the Taj Mahal on a virtual tour - Offer Expires on December 31, 2021 - See Details
    • Play the Hidden Network of Private Courses - Offer Expires on December 31, 2022 - See Details
    • Marvel at a celebrity stylist's star-studded fashion collection - Offer Expires on June 01, 2021 - See Details
    • Embark on a virtual trip to the Banaras' ghats, Sarnath, and more - Offer Expires on December 31, 2021 - See Details
    • Get a glimpse into India's history through the Gujarati thali - Offer Expires on December 31, 2021 - See Details
    • View All Deals -

    Date Reviewed: April 06, 2021

    Free Spirit® Travel More World Elite Mastercard®

    Free Spirit® Travel More World Elite Mastercard®
    • Regular Purchase APR 15.99% to 23.99% variable based on creditworthiness and the Prime Rate
    • Balance Transfer APR 15.99% to 23.99% variable based on creditworthiness and the Prime Rate
    • Cash Advance APR 18.99% to 28.99% variable based on creditworthiness and the Prime Rate
    • Annual Fee $0 for the first year; after that $79
    • Credit Needed Excellent , Good
    • Processing Network Mastercard
    Best Benefits
    • Earn 3 points per $1 spent on eligible Spirit purchases
    • 2 points per $1 spent on eligible dining and grocery store purchases
    • No foreign transaction fees
    • Points never expire
    Rates & Fees
    • Regular Purchase APR: 15.99% to 23.99% variable based on creditworthiness and the Prime Rate
    • Balance Transfer APR: 15.99% to 23.99% variable based on creditworthiness and the Prime Rate
    • Balance Transfer Transaction Fee: Either $10 or 3% of the amount of each transaction, whichever is greater
    • Cash Advance APR: 18.99% to 28.99% variable based on creditworthiness and the Prime Rate
    • Cash Advance Transaction Fee: Either $10 or 3% of the amount of each transaction, whichever is greater
    • Penalty APR: 29.99%
    • Annual Fee: $0 for the first year; after that $79
    • Late Payment Penalty Fee: Up to $40
    • Return Payment Penalty Fee: Up to $29
    Credit Card Deals
    • Take a hike with an award-winning landscape photographer - Offer Expires on December 31, 2021 - See Details
    • Immerse yourself in the world of Italian food and wine - Offer Expires on January 24, 2031 - See Details
    • Exclusive tableware and home d?cor items from porcelain - Offer Expires on December 31, 2021 - See Details
    • Go on a guided truffle-hunting expedition in the Motovun Forest - Offer Expires on December 31, 2021 - See Details
    • Embark on a journey through the city of the Iron Throne - Offer Expires on December 31, 2021 - See Details
    • Discover Agra beyond the Taj Mahal on a virtual tour - Offer Expires on December 31, 2021 - See Details
    • Play the Hidden Network of Private Courses - Offer Expires on December 31, 2022 - See Details
    • Marvel at a celebrity stylist's star-studded fashion collection - Offer Expires on June 01, 2021 - See Details
    • Embark on a virtual trip to the Banaras' ghats, Sarnath, and more - Offer Expires on December 31, 2021 - See Details
    • Get a glimpse into India's history through the Gujarati thali - Offer Expires on December 31, 2021 - See Details
    • View All Deals -

    Date Reviewed: April 02, 2021

    Grand Reserve™ World Mastercard®

    Grand Reserve™ World Mastercard®
    • Regular Purchase APR 14.99% to 22.99% variable based on creditworthiness and the Prime Rate
    • Annual Fee None for the first year. After that, $149
    • Credit Needed Excellent , Good
    • Processing Network Mastercard
    Best Benefits
    • Earn 50,000 Grand Reserve Rewards points after you spend $3,000 in 90 days from account opening
    • Receive a welcome gift of a pair of wine glasses (a $110 value) on card activation
    • Earn up to 7x points per dollar on wine purchases, with our Top Wine Merchant Bonus
    • Earn 5x points per dollar at more than 450 wineries, wine clubs, and other Grand Reserve Partners
    • Redeem your points for wine, sommelier-approved wine accessories, and unique vineyard experiences
    • Receive special offers and concierge services for wine country visits with your included complimentary Priority Wine Pass
    • $0 annual fee for the first year, then $149
    • No foreign exchange fee
    Rates & Fees
    • Regular Purchase APR: 14.99% to 22.99% variable based on creditworthiness and the Prime Rate
    • Annual Fee: None for the first year. After that, $149
    • Late Payment Penalty Fee: Up to $25
    • Return Payment Penalty Fee: Up to $37
    Credit Card Deals
    • Take a hike with an award-winning landscape photographer - Offer Expires on December 31, 2021 - See Details
    • Immerse yourself in the world of Italian food and wine - Offer Expires on January 24, 2031 - See Details
    • Exclusive tableware and home d?cor items from porcelain - Offer Expires on December 31, 2021 - See Details
    • Go on a guided truffle-hunting expedition in the Motovun Forest - Offer Expires on December 31, 2021 - See Details
    • Embark on a journey through the city of the Iron Throne - Offer Expires on December 31, 2021 - See Details
    • Discover Agra beyond the Taj Mahal on a virtual tour - Offer Expires on December 31, 2021 - See Details
    • Play the Hidden Network of Private Courses - Offer Expires on December 31, 2022 - See Details
    • Marvel at a celebrity stylist's star-studded fashion collection - Offer Expires on June 01, 2021 - See Details
    • Embark on a virtual trip to the Banaras' ghats, Sarnath, and more - Offer Expires on December 31, 2021 - See Details
    • Get a glimpse into India's history through the Gujarati thali - Offer Expires on December 31, 2021 - See Details
    • View All Deals -

    #

    What Is an Excellent Credit Score?

    An “excellent” credit score varies depending on the scoring model you use. Both FICO and VantageScore – the two most popular scoring models – have slightly different calculations for what is a good score and what they consider excellent or fair.

    FICO Score

    The FICO scoring model is the most popular credit scoring model with banks. The FICO scoring range is from 350 to 850, and breaks down as follows:

    • Excellent: 850 – 800
    • Very Good: 799 – 740
    • Good: 739 – 670
    • Fair: 669 – 580
    • Poor/Bad: 579 -350

    VantageScore

    VantageScore, like FICO, also measures the creditworthiness and reliability of potential applicants. While less popular than FICO, VantageScore is the creation of the three major credit bureaus: Equifax, Experian, and TransUnion. The VantageScore model ranges from 300 to 850, and breaks down as follows:

    • Excellent: 850 – 781
    • Good: 780 – 661
    • Fair: 660 – 601
    • Poor/Bad: 600 – 500
    • Very Poor/ Very Bad: 499 – 300

    The Benefits of an Excellent Credit Score

    People with excellent credit qualify for the very best credit card offers. Not only do you have access to the cards that those with good credit scores can get – you also get access to ultra-premium cards that only the best credit scores can receive.

    Excellent credit scores get the best variable APR interest rates on credit cards, the best signup bonuses, and the lengthiest 05 intro APR periods on new card accounts.

    Other perks of excellent credit cards include:

    • Access to all rewards credit cards
    • The very best bonuses on rewards and cash back cards
    • The lowest APR

    Beyond credit cards, and an excellent score means you’ll qualify for the best mortgage rates and terms. You’ll also pay less on interest for car loans, personal loans, and business loans.

    How to Get an Excellent Credit Score

    Getting the best credit scores requires patience and hard work. An excellent credit score doesn’t happen overnight. Instead, it takes years of good financial habits.

    The easiest way to build an excellent credit score is to follow these three simple steps:

    Pay Your Credit Card Statement in Full

    Paying your credit card bill in full every month keeps your credit utilization low. Credit utilization accounts for almost a third of your credit score, so keeping it as low as possible is crucial.

    To maintain your credit score, keeping credit use under 30% is required. For those seeking a higher credit score, however, reducing your credit use even further is essential. The fastest results come from keeping credit utilization below 10% – and paying your bill in full ensures you easily reach this goal.

    Pay On-Time Each Month

    Payment history is the biggest factor in your credit score. Both VantageScore and FICO place the greatest emphasis on your history of making payments. Pay your bills on time, and your score will rise. Pay even one bill late, and your score could drop—the easiest way to keep a record of on-time payments is to set up autopay on your accounts.

    Avoid Opening Too Many New Accounts

    Opening new accounts usually result in a hard inquiry on your credit report. Too many of those in a short period can make lenders wary. Too many hard inquiries can make you appear financially stretched and that you need credit to cover too many expenses.

    Hard inquiries differ from soft inquiries, which don’t appear on your credit report. These soft inquiries (or soft pulls) are what happens when you check your credit score with free apps.

    New credit doesn’t have a significant impact on your credit score, but it is still advisable to limit your new applications to a few per year – at most. This can make you more attractive as an applicant to lenders – and raise your credit score.

    How to Maintain an Excellent Credit Score

    Maintaining your credit score requires the same hard work that building it does. Here are the best ways to maintain your excellent credit score once you earn it:

    • Always Pay On-Time
    • Keep Your Credit Utilization Low
    • Limit New Credit Accounts and Applications

    Another great way to maintain your credit score is to avoid closing old accounts. Closing accounts lowers the average age of your credit – and can reduce your score. The easiest way to maintain your score is too keep your accounts in good standing and active by making small purchases wherever possible.

    Related Article: 5 Tips for Maintaining a Good Credit Score

    What to Look for In Excellent Credit Cards

    Excellent credit unlocks a variety of rewards and benefits not open to those with average credit – or even good credit. Here are some of the essential features to look at when deciding on your next credit card for excellent credit scores:

    Low APR

    Excellent credit means the best interest rates on credit cards and other loans. The average APR for someone with excellent credit is around 14.25%. This interest rate is an impressive 4% lower than the rate for those with good credit (18.25%) and approximately 12% lower than an applicant with fair credit. You may also qualify for lower balance transfer fees or no foreign transaction fees.

    Luxurious Perks

    The very best credit cards (and charge cards) come with the very best perks. Most of the top luxury credit cards offer travel benefits that far exceed their annual fees. These perks include hotel upgrades, dedicated concierge, lounge access, Global Entry or TSA statement credits, and more. The most famous of these luxurious cards is the Platinum Card from American Express.

    Rewards

    Since an excellent credit means the best card offers, it also means better rewards. Rewards come in the form of cash back, points, or miles and vary in value depending on the issuer. Before applying for your next credit card, always read the terms and conditions of the rewards program to see how you earn points (the rewards rate) – and how you redeem them.

    Annual Fee

    A good credit score opens the possibility of getting some of the best credit card offers available. Because of an excellent score, many applicants have access to cards with excellent rewards. These cards may – or may not – come with an annual fee.

    What Are the Best Credit Cards for Excellent Credit of 2021?

    Now that you know what to look out for, what are the best credit cards for excellent credit for 2021? With so many cards to choose from, it can be challenging to sort the great from the very best. Here are some of the top picks for excellent credit from the BestCards team:

    More of the Best Of Credit Cards

    What Are the Best Travel Cards?

    In the travel credit card space, the more lavish offers are usually the winners. Though they have considerably higher annual fees, premium travel cards are full of benefits and perks. There are even attributes that can help reduce the overall cost of the annual fee. Recent years have seen stiffer competition for the top of the totem pole, but established names like American Express and Chase still rule.

    Continue Reading

    What Are the Best Cash Back Credit Cards?

    Cash back credit cards are the most popular kind of rewards card , and it’s easy to see why. Cash is versatile, practical, and straightforward to use, requiring far less fuss than what other types of rewards cards might warrant.

    Continue Reading

    What Are the Best Luxury Cards?

    Luxury cards are the most sought-after breed in the credit card world. They offer the kind of VIP experiences you dream about but that comes with a hefty price tag. Cardholders have access to exclusive airport lounges, complimentary upgrades, in-flight bonuses, shortcuts through security, and so much more. But are luxury cards worth it? And which cards are the crème de la crème? 

    Continue Reading

    FAQs About Excellent Credit Scores

    Excellent credit scores are something most consumers strive for. Unfortunately, not everyone can have a credit score over 800. Here are some of the most frequently asked questions concerning excellent credit. Who knows, maybe these tips will help you raise your score from “good” to “excellent.”

    How many people have a credit score over 800?

    • A credit score over 800 is considered “excellent” by both FICO and VantageScore. According to Experian, one of the major credit bureaus, approximately 20% of Americans have a credit score over 800.

    Is it possible to have a perfect credit score?

    • A perfect credit score of 850 is possible – but not practical. Having a credit score of 850 means you have the very best credit, but the costs outweigh the benefits, For example, a great credit score means you get the best rates on loans – like credit cards. Why waste this advantage for a perfect score?

    What is the average credit score in the United States?

    • According to Experian, the average credit score in the U.S. is 704. This means the average American has good credit.

    What does an 800 credit score get you?

    • An 800 credit score, or excellent score, gets you the best interest rates for things from mortgages, auto loans, and credit cards.

    Can you get a credit score of 900?

    • Both VantageScore and FICO only go up to 850.

    What factor is most important in your credit score?

    • Payment history. Payment history is the number one factor in both FICO and VantageScore scoring models.

    How Our Team Selects the Best Cards for You

    The team at BestCards.com knows how hard it can be to find the perfect credit card, especially without the right tools or knowledge. That’s why we strive to provide insightful credit card reviews, plus informative articles, and advice to guide you

    Our team of industry experts uses a precise methodology to help determine the merits – and drawbacks of every card we feature.

    These factors include things like the annual fee, the APR a card features (variable or fixed), the rewards on offer, and more. For a complete rundown of our review process, check out our Credit Card Review Methodology page. Here are a few bits of information to give you some insight:

    Interest Rates

    Most cards feature a variable APR, meaning the rate will vary depending on two factors. These factors are the creditworthiness of the applicant and the Prime Rate (or the rate at which the Federal Reserve charges banks to borrow money). Other cards, especially secured cards, have a fixed-rate APR, meaning the APR won’t change. BestCards emphasizes APR when evaluating a credit card because it is something many overlook.

    Fees

    “Fees” is a broad term that applies to a variety of different charges associated with an account. Many people see fees and think about the annual fee. But there are far more fees that go overlooked, including:

    • Balance transfer fees
    • Cash advance fees
    • Over-the-limit fees
    • Returned payment fees
    • Foreign transaction fees
    • Late payment fees

    These are just some of the fees that come with many credit cards. Our team focuses on the likelihood a cardholder will encounter a fee, and how much this fee will impact their cardholder experience.

    Perks and Rewards

    Perks and benefits of card membership are also basic categories for evaluating the overall value a credit card offer provides. Similarly, rewards are benefits that come from purchases or signup bonuses.

    One of the most important considerations when reviewing a rewards card is the value of the points on offer. Since the precise value of points or miles varies depending on the award options, our team carefully considers who each card appeals to – and how they can get the most value from their rewards.

    The same process applies for perks and other benefits. Is the card designed for a frequent business traveler? Does the card work for a family of four? What is the card like to live with every day? These are examples of questions the BestCards team considers when analyzing a new offer.

    Credit Required

    Excellent rewards and impressive perks don’t mean a thing if you won’t be approved. While those with excellent credit scores don’t need to worry, the average American only has a credit score of 704. Our team focuses on who these cards are aimed at – and who can expect to apply for – and get – them. After all, a credit application results in a hard inquiry, which can lower your credit score.

    Find Your Best Card Today

    Know that you know everything you need to find your perfect credit card, what are you waiting for? Take advantage of these resources and more to find your ideal credit card today!