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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Justice x PenFed Power Cash Rewards Visa Signature® Card

Justice x PenFed Power Cash Rewards Visa Signature® Card
  • Regular Purchase APR 14.99% to 17.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 17.99% variable based on the Prime Rate
  • Cash Advance APR 17.99% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Processing Network Visa
Best Benefits
  • No annual fee
  • No foreign transaction fees
  • 2% Cash Back on all purchases for PenFed Honors Advantage Members
  • 1.5% Cash Back on all purchases made with the card
  • $100 Statement Credi when you spend $1,500 in the first 90 days
Rates & Fees
  • Regular Purchase APR: 14.99% to 17.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 17.99% variable based on the Prime Rate
  • Balance Transfer Transaction Fee: 3% per transaction
  • Cash Advance APR: 17.99% variable based on the Prime Rate
  • Penalty APR: 17.99% variable based on the Prime Rate
  • Late Payment Penalty Fee: Up to $28
  • Return Payment Penalty Fee: Up to $25
Credit Card Deals

Capital One® Spark® Cash Plus for Business

Capital One® Spark® Cash Plus for Business
  • Annual Fee $150
  • Credit Needed Excellent
  • Processing Network Mastercard
Best Benefits
  • Earn unlimited 2% cash back for your business on every purchase, everywhere, no limits or category restrictions
  • Earn up to $1,000 in the first 6 months; $500 once you spend $5,000 in the first 3 months, and $500 once you spend $50,000 in the first 6 months
  • Earn an annual $200 cash bonus every year you spend $200,000 or more
  • Get unlimited rewards, cash bonuses and business-grade benefits—with a $150 annual fee
Rates & Fees
  • Annual Fee: $150
  • Late Payment Penalty Fee: 2.99% of the unpaid portion of your minimum payment
Credit Card Deals

Credit One Bank Wander Card

Credit One Bank Wander Card
  • Regular Purchase APR 23.99% variable based on the Prime Rate
  • Cash Advance APR 23.99% variable based on the Prime Rate
  • Annual Fee See Terms
  • Credit Needed Excellent , Good , Fair
  • Processing Network Visa
Best Benefits
  • Earn 3X points on eligible recreational & amusement park purchases (including national parks & sporting events)
  • Earn 2X points on eligible restaurant & lodging purchases (including campgrounds)
  • Earn 1X on all other eligible purchases
  • Enjoy extra ways to get cash back rewards with Get More Rewards
  • $80 statement credit for the purchase of a qualifying National Park Pass, valid at more than 2,000 recreation areas across the U.S. This offer is available within the first year from account opening.
  • Discount on Thousand Trails Camping Pass and regular-priced experiences with Maverick Helicopters
Rates & Fees
  • Regular Purchase APR: 23.99% variable based on the Prime Rate
  • Cash Advance APR: 23.99% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 5% of the amount of each Cash Advance, whichever is greater
  • Annual Fee: See Terms
  • Foreign Transaction Fee: Either $1 or 3% of each purchase in U.S. dollars, whichever is greater
  • Late Payment Penalty Fee: Up to $39
  • Return Payment Penalty Fee: Up to $39
Credit Card Deals

Barclays View™ Mastercard®

Barclays View™ Mastercard®
  • Regular Purchase APR 13.99% to 25.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 13.99% to 25.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 25.24% to 26.24% variable based on creditworthiness and the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent
  • Processing Network Mastercard
Best Benefits
  • Earn 3X points on restaurant purchases (including takeout and delivery)
  • Earn 2X points on internet, select streaming, phone and TV services
  • Earn 2X points on grocery store purchases (excluding Target® & Walmart®)
  • Earn 1X points on all other purchases
  • Periodic offers for up to 18 months special financing
Rates & Fees
  • Regular Purchase APR: 13.99% to 25.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 13.99% to 25.99% variable based on creditworthiness and 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% to 26.24% variable based on creditworthiness and the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
  • Foreign Transaction Fee: 0% to 3% of each transaction in U.S. dollars
  • Late Payment Penalty Fee: Up to $40
  • Return Payment Penalty Fee: Up to $40
Credit Card Deals

Wescom Bruin Edge Visa® Credit Card

Wescom Bruin Edge Visa® Credit Card
  • Regular Purchase APR 13.15% to 23.15% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 13.15% to 23.15% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 13.15% to 23.15% variable based on creditworthiness and 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
  • No foreign transaction fees
  • Earn 5X points on select UCLA purchases
  • Earn 1.5X points on all other purchases
  • 0% intro APR for 6 months on purchases and balance transfers
Rates & Fees
  • Intro Purchase APR: 0% for 6 months from account opening date
  • Regular Purchase APR: 13.15% to 23.15% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for 6 months from account opening date
  • Balance Transfer APR: 13.15% to 23.15% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Either $2 or 2% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 13.15% to 23.15% variable based on creditworthiness and the Prime Rate
  • Cash Advance Transaction Fee: Either $2 or 2% of the amount of each cash advance, whichever is greater
  • Late Payment Penalty Fee: Up to $15
  • Return Payment Penalty Fee: Up to $25
Credit Card Deals

U.S. Bank Triple Cash Rewards Visa® Business Card

U.S. Bank Triple Cash Rewards Visa® Business Card
  • Regular Purchase APR 13.99% to 22.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 13.99% to 22.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 25.99% variable based on 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
  • 0% intro APR on for 15 months
  • Earn 3% cash back on eligible purchases at gas stations, office supply stores, cell phone service providers and restaurants
  • Earn 1% Cash Back on all other eligible purchases
Rates & Fees
  • Intro Purchase APR: 0% for 15 months
  • Regular Purchase APR: 13.99% to 22.99% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for 15 months for balances transferred within 30 days from account opening.
  • Balance Transfer APR: 13.99% to 22.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Either 3% of the amount of each transfer or $5 minimum, whichever is greater
  • Cash Advance APR: 25.99% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either 5% of the amount of each advance or $10 minimum, whichever is greater
  • Penalty APR: 29.99%
  • Foreign Transaction Fee: 3% of each foreign transaction in U.S. dollars
  • Late Payment Penalty Fee: $40
  • Return Payment Penalty Fee: $40
  • Over Limit Penalty Fee: $40
Credit Card Deals

myWalgreens™ Mastercard®

myWalgreens™ Mastercard®
  • Regular Purchase APR 17.99%, 23.99%, or 26.99% 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 Mastercard
Best Benefits
  • No annual fee
  • 10% rewards on Walgreens brand purchases
  • 5% rewards on all other Walgreens purchases
  • 3% on grocery and health & wellness purchases outside of Walgreens
  • 1% rewards on other purchases everwhere Mastercard is accepted
Rates & Fees
  • Regular Purchase APR: 17.99%, 23.99%, or 26.99% 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
  • Foreign Transaction Fee: 3% of the amount of each transaction in U.S. dollars
  • Late Payment Penalty Fee: Up to $40
  • Return Payment Penalty Fee: $29
Credit Card Deals

Deserve® PRO Mastercard

Deserve® PRO Mastercard
  • 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

Bank of America® Unlimited Cash Rewards Credit Card

Bank of America® Unlimited 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 26.99% 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
  • Unlimited 1.5% cash back on every purchase
  • 0% Intro APR for the first 15 months on purchases and balance transfers
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 for transactions 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 26.99% 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%
  • Foreign Transaction Fee: 3% of the U.S. dollar amount of each transaction in U.S. dollars
  • Late Payment Penalty Fee: Up to $40
  • Return Payment Penalty Fee: Up to $29
Credit Card Deals

Verizon Visa® Card

Verizon Visa® Card
  • Regular Purchase APR 18.74% variable based on the Prime Rate
  • Balance Transfer APR 18.74% variable based on 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
  • No foreign transaction fees
  • Earn 4% back on grocery store and gas purchase
  • Earn 3% back on dining purchases, including takeout
  • Earn 2% back on Verizon purchases
Rates & Fees
  • Regular Purchase APR: 18.74% variable based on the Prime Rate
  • Balance Transfer APR: 18.74% variable based on the Prime Rate
  • Balance Transfer Transaction Fee: Either $5 or 5% of the amount of each balance transfer, whichever is greater
  • 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
  • Return Payment Penalty Fee: $28
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.