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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American Express® / Business Extra® Corporate Card

American Express® / Business Extra® Corporate Card
  • Regular Purchase APR See Terms
  • Annual Fee $75 per cardmember
  • Credit Needed Excellent , Good
  • Processing Network American Express
Best Benefits
  • Earn 1 Business Extra point per $5 spent on the base airfare of eligible American Airlines flights
  • Earn 1 point for every $20 spent on other eligible spending
  • Earn up to 6% in rebates for your business on the first $1,500,000 spent on flown eligible American Airlines airfare purchases each year
  • Get a $50 Flight Discount for every $5,000 of eligible purchases
Rates & Fees
  • Regular Purchase APR: See Terms
  • Annual Fee: $75 per cardmember
  • Foreign Transaction Fee: See Terms
  • Late Payment Penalty Fee: See Terms
Credit Card Deals

Truist Business Credit Card

Truist Business Credit Card
  • Regular Purchase APR 10.24% to 19.24% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 10.24% to 19.24% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 24.24% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good , Fair
  • Intro Purchase APR 0% for 12 months from account opening date
  • Processing Network Visa
Best Benefits
  • Enjoy 0% intro APR for 12 months on purchases
  • No annual fee
  • Add authorized cardholders at no additional charge
  • Digital account management with Truist Online Banking and Truist eZBusiness
  • Intuit Quickbooks® integration
Rates & Fees
  • Intro Purchase APR: 0% for 12 months from account opening date
  • Regular Purchase APR: 10.24% to 19.24% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 10.24% to 19.24% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Either $10 or 4% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 24.24% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
  • Penalty APR: 25.15% variable based on the Prime Rate
  • Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: Up to $39
  • Return Payment Penalty Fee: Up to $39
  • Over Limit Penalty Fee: Up to $39
Credit Card Deals

Truist Business Travel Rewards Credit Card

Truist Business Travel Rewards Credit Card
  • Regular Purchase APR 12.24% to 21.24% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 12.24% to 21.24% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 24.24% variable based on the Prime Rate
  • Annual Fee $0 for the first year. After that, $49
  • Credit Needed Excellent , Good
  • Processing Network Visa
Best Benefits
  • Earn miles on all eligible purchases
  • Earn unlimited double miles on airfare, hotels, and car rentals
  • No foreign transaction fees
  • Receive up to $85 in statement credits per organization every 4 years towards TSA Pre-Check or Global Entry application fee reimbursement
  • Annual fee waived on the first year
Rates & Fees
  • Regular Purchase APR: 12.24% to 21.24% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 12.24% to 21.24% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Either $10 or 4% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 24.24% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
  • Penalty APR: 25.15% variable based on the Prime Rate
  • Annual Fee: $0 for the first year. After that, $49
  • Late Payment Penalty Fee: Up to $39
  • Return Payment Penalty Fee: Up to $39
  • Over Limit Penalty Fee: Up to $39
Credit Card Deals

Truist Business Cash Rewards Credit Card

Truist Business Cash Rewards Credit Card
  • Regular Purchase APR 12.24% to 21.24% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 12.24% to 21.24% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 24.24% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Intro Purchase APR 0% for 9 months from account opening date
  • Processing Network Visa
Best Benefits
  • Enjoy 0% intro APR for 9 months on purchases
  • Earn 3% cash back on gas purchases, 2% at restaurants and supply stores (up to $2,000 in combined spend in 2% and 3% categories each month), and 1% back on all other eligible purchases
  • Get up to 50% Loyalty Cash Bonus based on your Truist business deposit relationship when cash rewards are redeemed into a Truist business deposit account
  • No annual fee
  • Add authorized cardholders at no additional charge
Rates & Fees
  • Intro Purchase APR: 0% for 9 months from account opening date
  • Regular Purchase APR: 12.24% to 21.24% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 12.24% to 21.24% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Either $10 or 4% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 24.24% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
  • Penalty APR: 25.15% variable based on the Prime Rate
  • Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: Up to $39
  • Return Payment Penalty Fee: Up to $39
  • Over Limit Penalty Fee: Up to $39
Credit Card Deals

Truist Enjoy Beyond Credit Card

Truist Enjoy Beyond Credit Card
  • Regular Purchase APR 13.24% to 22.24% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 13.24% to 22.24% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 22.24% variable based on the Prime Rate
  • Annual Fee $195
  • Credit Needed Excellent , Good
  • Processing Network Visa
Best Benefits
  • Earn 3X points per $1 on travel purchases, 2X on dining, and 1X on all other eligible purchases
  • Receive up to $100 annual travel experience statement credit for items such as ground transportation, streaming services, and ticket agencies
  • Get up to a $100 statement credit for TSA Pre-Check® or Global Entry® – awarded once every four years
  • Unlimited rewards earning
  • Contactless payments and mobile wallets for faster checkout
Rates & Fees
  • Regular Purchase APR: 13.24% to 22.24% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 13.24% to 22.24% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Either $10 or 3% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 22.24% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
  • Annual Fee: $195
  • Late Payment Penalty Fee: Up to $40
Credit Card Deals

Truist Enjoy Travel Credit Card

Truist Enjoy Travel Credit Card
  • Regular Purchase APR 13.24% to 22.24% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 13.24% to 22.24% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 22.24% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Processing Network Visa
Best Benefits
  • Earn 2X miles on airfare, hotels, and car rentals
  • Up to 50% Loyalty Travel Bonus based on your Truist direct relationship when you redeem your rewards for travel through the rewards program
  • Redeem miles for cash back, gift cards, hotel stays, airline tickets, and merchandise
  • No annual fee
  • Contactless payments and mobile wallets for faster checkout
Rates & Fees
  • Regular Purchase APR: 13.24% to 22.24% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 13.24% to 22.24% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Either $10 or 3% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 22.24% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
  • Late Payment Penalty Fee: Up to $40
Credit Card Deals

Truist Enjoy Cash Credit Card

Truist Enjoy Cash Credit Card
  • Regular Purchase APR 13.24% to 22.24% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 13.24% to 22.24% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 22.24% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Intro Purchase APR 0% for 12 months from account opening date
  • Processing Network Visa
Best Benefits
  • Option 1: Earn 3% cash back on gas, 2% back on groceries and utilities (up to combined $1,000 monthly spend cap), and 1% cash back on all other eligible purchases
  • Option 2: Earn 1.5% cash back on all eligible purchases
  • Up to 50% Loyalty Cash Back Bonus based on your Truist deposit relationship when cash rewards are redeemed into a Truist deposit account
  • No annual fee
  • Contactless payments and mobile wallets for faster checkout
Rates & Fees
  • Intro Purchase APR: 0% for 12 months from account opening date
  • Regular Purchase APR: 13.24% to 22.24% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 13.24% to 22.24% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Either $10 or 3% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 22.24% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
  • Late Payment Penalty Fee: Up to $40
Credit Card Deals

Notre Dame PRO Credit Card

Notre Dame PRO Credit Card
  • Regular Purchase APR 15.99% to 22.99% variable based on creditworthiness and the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Processing Network Mastercard
Best Benefits
  • No annual fee
  • No foreign transaction fees
  • Earn 3% cash back on travel purchases and 2% back on dining
Rates & Fees
  • Regular Purchase APR: 15.99% to 22.99% variable based on creditworthiness and the Prime Rate
  • Late Payment Penalty Fee: Up to $25
  • Return Payment Penalty Fee: Up to $37
Credit Card Deals

University of Miami Customized Cash Rewards Credit Card

University of Miami Customized Cash Rewards Credit Card
  • Regular Purchase APR 13.99% to 23.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 13.99% to 23.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 16.99% to 28.99% variable based on creditworthiness and the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Intro Purchase APR 0% for 15 months
  • Processing Network Visa
Best Benefits
  • No annual fee
  • Earn 3% cash back in the category of your choice, like online shopping
  • Earn 2% cash back at grocery stores and wholesale clubs
  • Earn 1% cash back on all other purchases
Rates & Fees
  • Intro Purchase APR: 0% for 15 months
  • Regular Purchase APR: 13.99% to 23.99% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for 15 months
  • Balance Transfer APR: 13.99% to 23.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Either $10 or 5% of the amount of each transaction, whichever is greater
  • Cash Advance APR: 16.99% 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: Up to 29.99% variable based on creditworthiness
  • Foreign Transaction Fee: 3% of the U.S. dollar amount of each transaction
  • Late Payment Penalty Fee: Up to $40
Credit Card Deals

Texas Exes Customized Cash Rewards Credit Card

Texas Exes Customized Cash Rewards Credit Card
  • Regular Purchase APR 13.99% to 23.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 13.99% to 23.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 16.99% to 28.99% variable based on creditworthiness and the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Intro Purchase APR 0% for 15 months
  • Processing Network Visa
Best Benefits
  • No annual fee
  • Earn 3% cash back in the category of your choice, like online shopping
  • Earn 2% cash back at grocery stores and wholesale clubs
  • Earn 1% cash back on all other purchases
Rates & Fees
  • Intro Purchase APR: 0% for 15 months
  • Regular Purchase APR: 13.99% to 23.99% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for 15 months on transfers made within 60 days of account opening
  • Balance Transfer APR: 13.99% to 23.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Either $10 or 5% of the amount of each transaction, whichever is greater
  • Cash Advance APR: 16.99% 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: Up to 29.99% variable based on creditworthiness
  • Foreign Transaction Fee: 3% of the U.S. dollar amount of each transaction
  • Late Payment Penalty Fee: Up to $40
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.