Updated 5/25/17

Individuals with a rock-solid credit history have a wealth of high-quality credit cards at their disposal, including those with the largest new member bonuses, highest cash-back rates, and longest 0% introductory APR offers. So settle in and review our short list of the best credit cards for excellent credit.

  • Travel credit card sign-up bonus - Chase Sapphire Preferred®
  • Everyday travel credit cards - BankAmericard Travel Rewards® and Barclaycard Arrival Plus™ World Elite MasterCard®
  • Cash-back credit cards - BankAmericard Cash Rewards™ and  Barclaycard CashForward™ World Mastercard®
  • Balance-transfer credit cards - BankAmericard®, Barclaycard Ring™ Mastercard®, and Citi® Diamond Preferred® Card, 

Chase Sapphire Preferred®
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Chase Sapphire Preferred®

The Chase Sapphire Preferred® credit card offers one of the largest sign-up bonuses we know of for a card with an annual fee below $100. New cardholders can earn 50,000 bonus points, worth $625 when redeemed for travel with Chase Ultimate Rewards® (or $500 for cash back), after spending $4,000 on purchases in the first three months from account opening. What’s more, travel and restaurant purchases earn 2 points per dollar, all other purchases earn 1 point per dollar, and points can be transferred to a long list of Chase’s participating transfer partners. These are just a few reasons why travelers and even everyday cardholders consider Chase Sapphire Preferred® a must-have, best-in-class credit card. We also picked it as one of the best travel credit cards. Read our full review of Chase Sapphire Preferred®.

BankAmericard Travel Rewards® Credit Card
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BankAmericard Travel Rewards® Credit Card

Flexible rewards are a busy traveler’s best friend, and the BankAmericard Travel Rewards® credit card punches far above its weight in this category. What stands out most in our mind is the card’s flexible points redemption program. All purchases earn 1.5 points per dollar spent and can be redeemed for travel-related statement credits, making this a powerful travel credit card for cardholders searching for cheap deals using their preferred booking portal. Qualifying new cardholders can also look forward to an offer of 20,000 points bonus – redeemable for $200 in travel-related statement credits -- after spending at least $1,000 on new purchases in the first 90 days, plus no annual fee. Read our full review of BankAmericard Travel Rewards®.

Barclaycard Arrival Plus™ World Elite MasterCard®
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Barclaycard Arrival Plus™ World Elite MasterCard®

Cardholders with large credit spending habits may be justified in paying annual fees, especially with the Barclaycard Arrival Plus™ World Elite MasterCard® credit card. Members can lock in 2 travel miles per dollar on all purchases and redeem miles via our preferred method, statement credits, which gives cardholders much-needed flexibility to land the cheapest travel deals. What’s more, the card carries a massive new cardholder bonus worth $500 in travel-related statement credits (50,000 bonus miles) when spending at least $3,000 on new purchases within the first 90 days. The card also doesn’t charge foreign transaction fees, and it includes a valuable 0% introductory APR offer for qualifying balance transfers. That’s why cardholders may find the Barclaycard Arrival Plus™ World Elite MasterCard® credit card worthy of a spot in their wallets, even with an $89 annual fee (waived the first year). Read our full review of the Barclaycard Arrival Plus™ World Elite MasterCard®.

BankAmericard Cash Rewards™ Credit Card
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BankAmericard Cash Rewards™ Credit Card

Cardholders looking for a solid cash-back credit card should expect one packed with valuable features, such as the BankAmericard Cash Rewards™ card. This credit card dishes out a lucrative $150 new cardholder cash rewards bonus offer and one of the lower spending thresholds we’ve come across, requiring cardholders to spend at least $500 on purchases in the first 90 days. Tons of other perks are available as well, including bonus-category cash back of 3% on gas and 2% at grocery stores and wholesale clubs (on up to $2,500 quarterly in combined bonus category purchases), a low introductory APR offer on both new purchases and qualifying balance transfers for 12 billing cycles, and your FICO® Score for free. For these reasons, we think it’s also one of the best credit cards of 2017. Read our full review of BankAmericard Cash Rewards™.

Barclaycard CashForward™ World Mastercard®
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Barclaycard CashForward™ World Mastercard®

Barclaycard CashForward™ World Mastercard® has one of the deepest bench of valuable perks we've come across for a no-annual-fee credit card. Qualifying new cardholders earn a $200 cash rewards bonus after spending $1,000 on new purchases in the first 90 days, every purchase earns 1.5% cash back, plus the card offers a promotional 0% APR spanning 15 billing cycles for both new purchases and qualifying balance transfers. If you've secured an excellent credit history, there may not be a better no-annual-fee cash-back card. Read our full review of Barclaycard CashForward™ World Mastercard® to learn more.

BankAmericard® Credit Card
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BankAmericard® Credit Card

Cardholders searching for a great balance-transfer credit card may need to look no further than the BankAmericard® credit card, which offers the lowest variable APR among the suite of BankAmericard-branded credit cards, plus a 15-billing-cycle, introductory APR offer for qualifying balance transfers and purchases. These are a few reasons why we picked it as one of the best balance-transfer credit cards. What’s more, the card carries no annual fee and includes a $0 intro balance transfer fee for qualifying transfers (3%, $10 minimum after the promo period expires). Read our full review of BankAmericard®.

Barclaycard Ring™ Mastercard®
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Barclaycard Ring™ Mastercard®

Barclaycard Ring™ Mastercard® has among the lowest flat APRs we’ve come across for cardholders with excellent credit. Namely, the card carries a standard variable for purchases, balance transfers, and even cash advances. In addition to featuring a low APR, Barclaycard Ring™ Mastercard® has nixed the annual fee, balance-transfer fees, and foreign transaction fees - a rare combination of perks to cut out-of-pocket costs. Read our full review of Barclaycard Ring™ Mastercard®.

Citi® Diamond Preferred® Card

Citi® Diamond Preferred® Card

The Citi® Diamond Preferred® Card includes both a low APR for ongoing purchases and a 0% introductory APR on new purchases and balance transfers for 21 billing cycles, which is one of the longest offers we’ve come across. Citi® Diamond Preferred® Card also doesn’t charge annual fees, making it a solid credit card for cardholders wanting to cut both interest charges and fees. Read our full review of Citi® Diamond Preferred® Card.


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