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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Mastercard® Titanium Card™

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% introductory APR for the first fifteen billing cycles following each balance transfer that posts to your account 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

Mastercard® Black Card™

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.
  • 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.
  • 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.
  • 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% introductory APR for the first fifteen billing cycles following each balance transfer that posts to your account 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

Mastercard® Gold Card™

Mastercard® Gold 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 $995
  • Credit Needed Excellent , Good
  • Processing Network Mastercard
Best Benefits
  • Patented 24K-gold-plated front and carbon back—weighing 22 grams
  • 2% value for airfare redemptions with no blackout dates or seat restrictions. 2% value for cash back redemptions. Earn one point for every one dollar spent
  • Annual Airline Credit—up to $200 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
  • 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
  • Cell phone protection for eligible claims of up to $1,000 each year. Plus additional World Elite Mastercard® benefits
  • Annual Fee: $995 ($295 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% introductory APR for the first fifteen billing cycles following each balance transfer that posts to your account 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: $995
  • Late Payment Penalty Fee: Up to $39
  • Return Payment Penalty Fee: Up to $39
Credit Card Deals

My GM Rewards Card

My GM Rewards Card
  • Regular Purchase APR 14.99% to 24.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 14.99% to 24.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 26.99% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Intro Purchase APR 0% for 9 months
  • Processing Network Mastercard
Best Benefits
  • No annual fee
  • No foreign transaction fees
  • 10,000 points after spending $1,000 on the My GM Rewards Card† in the first 90 days
  • Earn 7X points on GM purchases
  • Earn 4X points on all other purchases
Rates & Fees
  • Intro Purchase APR: 0% for 9 months
  • Regular Purchase APR: 14.99% to 24.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 14.99% to 24.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR: 26.99% variable based on the Prime Rate
  • Late Payment Penalty Fee: Up to $40
Credit Card Deals

Fleet Rewards® Visa®

Fleet Rewards® Visa®
  • Regular Purchase APR 13.74% or 24.74% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 29.99% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Processing Network Visa
Best Benefits
  • No annual fee
  • Earn 4X points on Fleet Farm purchases
  • Earn 1X on all other eligible purchases
  • Enjoy 6 months special financing on in-store purchases of $299 or more
Rates & Fees
  • Regular Purchase APR: 13.74% or 24.74% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR: 29.99% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
  • Late Payment Penalty Fee: Up to $39
Credit Card Deals

Onyx Mastercard®

Onyx Mastercard®
  • Regular Purchase APR 9.50% to 17.50% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 9.50% to 17.50% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 17.50% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent
  • Intro Purchase APR 0% for 6 months
  • Processing Network N/A
Best Benefits
  • No annual fee
  • No foreign transaction fees
  • No fees for balance transfers or cash advances
  • Earn 2% on all eligible purchases
Rates & Fees
  • Intro Purchase APR: 0% for 6 months
  • Regular Purchase APR: 9.50% to 17.50% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for 12 months
  • Balance Transfer APR: 9.50% to 17.50% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR: 17.50% variable based on the Prime Rate
  • Late Payment Penalty Fee: Up to $25
  • Return Payment Penalty Fee: Up to $25

Casey's Visa Signature® Card

Casey's Visa Signature® Card
  • Regular Purchase APR 13.99% to 17.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 13.99% to 17.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 24.99% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Processing Network Visa
Best Benefits
  • No annual fee
  • Save up to 10 cents per gallon for the first 60 days
  • Earn 4% on purchases at Casey's and 2% on all other purchases for first 60 days
  • Earn 2% on purchases at Casey's locations and 1% on all other purchases
  • Receive a Casey's Gift Card when you accumulate $20 in rebates
Rates & Fees
  • Regular Purchase APR: 13.99% to 17.99% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for 12 months
  • Balance Transfer APR: 13.99% to 17.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Either 3% of the amount of the transfer or $15, whichever is greater
  • Cash Advance APR: 24.99% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either 3% of the amount of the advance or $15, whichever is greater$50 maximum
  • Foreign Transaction Fee: 2% of the transaction in U.S. dollars
  • Late Payment Penalty Fee: Up to $38
  • Return Payment Penalty Fee: Up to $38
Credit Card Deals

First Bank Business Edition® Mastercard® with Reward Simplicity

First Bank Business Edition® Mastercard® with Reward Simplicity
  • Regular Purchase APR 14.24% to 20.24% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 14.24% to 20.24% 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 12 months
  • Processing Network Mastercard
Best Benefits
  • No annual fee
  • Earn unlimited 1.5% Cash Back rewards on every purchase
  • 0% Intro APR for the first 12 months on purchases and balance transfers
Rates & Fees
  • Intro Purchase APR: 0% for 12 months
  • Regular Purchase APR: 14.24% to 20.24% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for 12 months
  • Balance Transfer APR: 14.24% to 20.24% 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 in U.S. dollars
  • Return Payment Penalty Fee: $35
  • Over Limit Penalty Fee: $39
Credit Card Deals

Aeroplan® World Elite Mastercard®

Aeroplan® World Elite Mastercard®
  • Regular Purchase APR 16.49% to 23.49% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 16.49% to 23.49% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 24.99% variable based on the Prime Rate
  • Annual Fee $95
  • Credit Needed Excellent , Good
  • Processing Network Mastercard
Best Benefits
  • 3X points on grocery store purchases
  • 3X points on restaurant purchases, including takeout and eligible delivery servcies
  • 3X points on purchases made directly with Air Canada
  • 500 bonus points for every $2,000 you spend in a calendar month - up to 1,500 points per month
  • $100 TSA Precheck/ Global Entry/ NEXUS credit every 4 years
  • First checked bag free for up to 8 travelers on the same itinerary
  • No foreign transaction fees
Rates & Fees
  • Regular Purchase APR: 16.49% to 23.49% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 16.49% to 23.49% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Either $5 or 5% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 24.99% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 5% of the amount of each transaction, whichever is greater
  • Penalty APR: Up to 29.99% variable based on the Prime Rate
  • Annual Fee: $95
  • Late Payment Penalty Fee: Up to $40
  • Return Payment Penalty Fee: Up to $40
Credit Card Deals

First Bank Maximum Rewards® World Mastercard®

First Bank Maximum Rewards® World Mastercard®
  • Regular Purchase APR 16.24% to 22.24% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 16.24% to 22.24% 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 12 months
  • Processing Network Mastercard
Best Benefits
  • No annual fee
  • Unlimited 1.5% cash back on every purchase
  • 0% Intro APR for the first 12 months on purchases and balance transfers
  • Redeem points for cash, travel, and more
Rates & Fees
  • Intro Purchase APR: 0% for 12 months
  • Regular Purchase APR: 16.24% to 22.24% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for 12 months
  • Balance Transfer APR: 16.24% to 22.24% 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

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. The FICO scoring model is the most popular credit scoring model with banks. The FICO scoring range is from 350 to 850, with anything over 800 considered “excellent.”

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, with scores over 781 deemed “excellent.”

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 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.

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.

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.

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.

Annual Fees

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. The very best cards, however, may carry a fee of $500 or more.

What Are the Best Credit Cards for Excellent Credit of 2022 from Our Partners?

Now that you know what to look out for, what are the best credit cards for excellent credit for 2022? 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:

Best for: Ultra Luxury

Mastercard® Gold Card™

luxury card gold card
Made With 24K GOLD®
  • 2% value for airfare redemptions with no blackout dates or seat restrictions.
  • 2% value for cash back redemptions
  • $995 annual fee
☆ 22 Gram Gold-Plated Card Design
☆ Up to $200 Airline Credit Each Year
☆ Priority Pass™ Select
☆ 24/7 Luxury Concierge Access

The Mastercard® Gold Card™ is a lavish rewards credit card from Luxury Card™ that offers opulent rewards as well as a 24K gold-plated metal card design guaranteed to make a statement and catch the eye of anyone who sees it. Ideal for anyone who enjoys the finer things in life, it showers cardholders in exclusive benefits and VIP experiences.

Other Luxury Card Options

Best for: Start-Ups

Divvy Credit Card

Divvy Credit Card
Spend Management and Business Cards Made Simple
  • Ideal for companies that struggle with expense reports, reimbursements, receipts, and expensive annual service contracts
  • Combines seamless expense management software with business cards so you never have to process another expense report
☆ No Annual Fee
☆ No Interest Rates
☆ No Contract, No Obligations

The Divvy Card is a corporate business card for companies and business owners who want a corporate card’s flexibility along with the rewards of a traditional business rewards card. The card prioritizes good financial habits by maximizing rewards for companies that pay balances back early and often.

Best for: Bitcoin Rewards

Upgrade Visa® Card with Bitcoin Rewards

Upgrade Visa® Card with Bitcoin Rewards
The First Widely- Available BTC Credit Card
  • Earn 1.5% Cash back Rewards in BTC on every purchase
  • No annual fees, no foreign transactions fees
  • Zero Fraud Liability
☆ Fast Online Pre-Approval
☆ Earn Bitcoin with Every Purchase
☆ Pay w/ Apple Pay™ or Google Pay™
☆ 24/7 Mobile App Access

The Upgrade Bitcoin Rewards is a tough-to-beat credit card for fans of crypto rewards and low interest rates. The interest rates are the same as with other Upgrade Cards, making it among the best in the business. The ability to pay down debt – and earn BTC with every purchase – is another perk that makes the card something that provides everyday value.

Best for:Gas Station Purchases

Sam's Club® Mastercard®

Sam's Club® Mastercard®
Doubles As Your Sam's Membership Card
  • Earn 5% cash back on gas anywhere Mastercard is accepted (on first $6,000 per year, then 1%)
  • Earn 3% cash back on dining and takeout
☆ No Annual Fees
☆ Earn Up to 5% Back w/ Sam's Plus
☆ No Foreign Transaction Fees

The Sam’s Club® Mastercard® is a versatile cash back rewards card from Synchrony and leading wholesale retailer Sam’s Club. The card offers members exclusive savings and features no annual fee with a valid Sam’s Club membership. The card offers superior cash back on gas station purchases to many other co-branded credit cards, making it a valuable tool for the daily commute. Add to that the 3% back it earns on dining and Sam’s Club purchases (for Plus members), and this no annual fee card hits all the right notes to make it a lucrative earner for everyday use.