Best Credit Cards for Excellent Credit for February 2020

Lyle is a writer specializing in credit cards, travel rewards programs, and banking. His work has also appeared on MSN Money, USA Today, and Yahoo! Finance.

We are committed to full transparency in our mission to make the world smarter, happier, & richer. Offers on The Ascent may be from our partners - it's how we make money - and we have not reviewed all available products and offers. That transparency to you is core to our editorial integrity, which isn’t influenced by compensation.

Cardholders 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% intro APR offers. Check out our picks, some of which are from our partners, for the offers that landed on our shortlist.

Ratings Methodology
Big bonus
Chase Sapphire Preferred® Card

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On Chase's Secure Website.

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On Chase's Secure Website.

Rewards

2x points on travel and dining, 1x points on all other purchases. 25% more points for travel booked through Chase's portal.

Annual Fee

$95

Intro APR

Purchases: N/A
Balance Transfers: N/A

Ongoing APR

17.49% - 24.49% Variable

Bonuses & Perks

60,000 points after spending $4,000 within three months -- worth $750 of travel redeemed through Chase

Highlights
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 60,000 points are worth $750 toward travel
  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on orders over $12 for a minimum of one year on qualifying food purchases with DashPass, DoorDash's subscription service. Activate by 12/31/21.
  • Earn 5X points on Lyft rides through March 2022. That's 3X points in addition to the 2X points you already earn on travel.
2x miles
Capital One® Venture® Rewards Credit Card

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On Capital One's Secure Website.

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On Capital One's Secure Website.

Rewards

Unlimited 2x miles on all purchases

Annual Fee

$0 intro for first year; $95 after that

Intro APR

Purchases: N/A
Balance Transfers: N/A

Ongoing APR

17.24% - 24.49% Variable

Bonuses & Perks

50,000 miles after spending $3,000 on purchases within three months, equal to $500 in travel, up to $100 application fee credit for Global Entry or TSA Pre✓

Highlights
  • Enjoy a one-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel
  • Earn 2X miles on every purchase, every day.
  • Receive up to $100 application fee credit for Global Entry or TSA Pre✓®
  • Fly any airline, stay at any hotel, anytime; no blackout dates. Plus transfer your miles to over 12 leading travel loyalty programs
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Named ‘The Best Travel Card' by CNBC, 2018
  • No foreign transaction fees
  • $0 intro annual fee for the first year; $95 after that
No annual fee
Bank of America® Travel Rewards Visa® credit card

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On Bank of America's Secure Website.

Apply Now

On Bank of America's Secure Website.

Rewards

Unlimited 1.5x points, 25%-75% more points for Bank of America Preferred Rewards members

Annual Fee

$0

Intro APR

Purchases: 0%, 12 billing cycles
Balance Transfers: N/A

Ongoing APR

16.49% - 24.49% Variable

Bonuses & Perks

25,000 points after spending $1,000 within 90 days, 25% to 75% more points for Preferred Rewards members

Highlights
  • Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire
  • 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases
  • Use your card to book your trip how and where you want - you're not limited to specific websites with blackout dates or restrictions
  • Redeem points for a statement credit to pay for flights, hotels, vacation packages, cruises, rental cars, or baggage fees
  • 0% Introductory APR for 12 billing cycles for purchases. After the intro APR ends, 16.49% - 24.49% Variable APR will apply
  • If you're a Preferred Rewards member, you can earn 25% - 75% more points on every purchase
Bank of America® Premium Rewards® Visa® credit card

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On Bank of America's Secure Website.

Apply Now

On Bank of America's Secure Website.

Rewards

2x points on travel & dining purchases, unlimited 1.5x points on all else, 25%-75% more points for Bank of America Preferred Rewards members

Annual Fee

$95

Intro APR

Purchases: N/A
Balance Transfers: N/A

Ongoing APR

17.49% - 24.49% Variable

Bonuses & Perks

50,000 bonus points - a $500 value – after $3,000 in purchases within 90 days, 25% to 75% more points for Preferred Rewards members

Highlights
  • Receive 50,000 bonus points - a $500 value - after you make at least $3,000 in purchases in the first 90 days of account opening
  • Earn unlimited 2 points for every $1 spent on travel and dining purchases and unlimited 1.5 points per $1 spent on all other purchases
  • If you're a Bank of America Preferred Rewards member, you can earn 25%-75% more points on every purchase
  • No limit to the points you can earn and your points don't expire
  • Redeem for cash back as a statement credit, deposit into eligible Bank of America® accounts, credit to eligible Merrill accounts, or gift cards or purchases at the Bank of America Travel Center
  • Get up to $200 in combined airline incidental and airport expedited screening statement credits + valuable travel insurance protections
  • No Foreign Transaction Fees
  • Low $95 annual fee
Chase Sapphire Reserve®

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On Chase's Secure Website.

Apply Now

On Chase's Secure Website.

Rewards

3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants & 1 point per $1 spent on all other purchases. $0 foreign transaction fees

Annual Fee

$550

Intro APR

Purchases: N/A
Balance Transfers: N/A

Ongoing APR

18.49% - 25.49% Variable

Bonuses & Perks

50,000 points after spending $4,000 on purchases in the first 3 months. Worth $750 redeemed for travel through Chase, up to $100 application fee credit for Global Entry or TSA Pre✓®

Highlights
  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • 3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants & 1 point per $1 spent on all other purchases. $0 foreign transaction fees.
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards. For example, 50,000 points are worth $750 toward travel
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,000+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select
  • Up to $100 application fee credit for Global Entry or TSA Pre✓®
  • One Year Complimentary Lyft Pink ($199 minimum value). Complimentary DashPass subscription from DoorDash after activating by 12/31/21.
Citi Simplicity® Card - No Late Fees Ever

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On Citi's Secure Website.

Great for: Long balance transfer offer Citi Simplicity® Card - No Late Fees Ever

Why Apply

If getting rid of credit card debt is on your to-do list, this card can help. With no late fees, no annual fee, and no penalty rate, this card is an unmatched pick that’s made even better with an incredible 21 month 0% intro APR offer on balance transfers. Read Full Review

Apply Now

On Citi's Secure Website.

Rewards

N/A

Annual Fee

$0

Intro APR

Purchases: 0%, 12 months
Balance Transfers: 0%, 21 months

Ongoing APR

16.24% - 26.24% (Variable)

Bonuses & Perks

No penalty APR

Highlights
  • No Late Fees, No Penalty Rate, and No Annual Fee... Ever
  • 0% Intro APR on balance transfers for 21 months from date of first transfer. All transfers must be completed in first 4 months. After that, the variable APR will be 16.24% - 26.24%, based on your creditworthiness.
  • 0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 16.24% - 26.24%, based on your creditworthiness.
  • If you transfer a balance with this offer, after your 0% Intro purchase APR expires, both new purchases and unpaid purchase balances will automatically accrue interest until all balances, including your transferred balances, are paid in full
  • There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater.
  • The standard variable APR for Citi Flex Plan is 16.24% - 26.24%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
  • Stay protected with Citi® Quick Lock and $0 liability on unauthorized charges
Discover it® Balance Transfer

Apply Now

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On Discover's Secure Website.

Apply Now

On Discover's Secure Website.

Rewards

Earn 5% cash back in rotating quarterly categories you activate ($1,500 quarterly spending cap), 1% back on all else

Annual Fee

$0

Intro APR

Purchases: 0%, 6 months
Balance Transfers: 0%, 18 months

Ongoing APR

13.49% - 24.49% Variable

Bonuses & Perks

Double cash back in the first year -- that's worth up to 10% back, FICO score for free

Highlights
  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 5% cash back on everyday purchases at different places each quarter like grocery stores, restaurants, gas stations, select rideshares and online shopping, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Redeem cash back any amount, any time. Rewards never expire.
  • 100% U.S. based customer service.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • No annual fee.
BankAmericard® credit card

Apply Now

Apply Now

On Bank of America's Secure Website.

Apply Now

On Bank of America's Secure Website.

Rewards

N/A

Annual Fee

$0

Intro APR

Purchases: 0%, 18 billing cycles
Balance Transfers: 0%, 18 billing cycles for balance transfers made within first 60 days

Ongoing APR

14.49% - 24.49% Variable

Bonuses & Perks

FICO score for free, no penalty APR

Highlights
  • 0% Introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 14.49% - 24.49% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers
  • No annual fee
  • No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply
  • Access your FICO® Score for free within Online Banking or your Mobile Banking app
Discover it® Cash Back

Apply Now

Apply Now

On Discover's Secure Website.

Apply Now

On Discover's Secure Website.

Rewards

Earn 5% cash back in rotating quarterly categories you activate ($1,500 quarterly spending cap), 1% back on all else

Annual Fee

$0

Intro APR

Purchases: 0%, 14 months
Balance Transfers: 0%, 14 months

Ongoing APR

13.49% - 24.49% Variable

Bonuses & Perks

Double cash back in the first year -- that's worth up to 10% back, FICO score for free

Highlights
  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 5% cash back on everyday purchases at different places each quarter like grocery stores, restaurants, gas stations, select rideshares and online shopping, up to the quarterly maximum when you activate.
  • Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Redeem cash back any amount, any time. Rewards never expire.
  • Use your rewards at Amazon.com checkout.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • No annual fee.
Bank of America® Cash Rewards credit card

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On Bank of America's Secure Website.

Great for: Bonus cash back of your choice Bank of America® Cash Rewards credit card

Why Apply

Includes a market-leading bonus in the no-annual fee category and a flexible cash rewards program that enables you to earn premium cash back in a category of your choice. Plus, the long 0% intro APR offer makes this card a standout among its peers. Read Full Review

Apply Now

On Bank of America's Secure Website.

Rewards

3% cash back on gas or in your choice category, 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases), 1% on all else.

Annual Fee

$0

Intro APR

Purchases: 0%, 15 billing cycles
Balance Transfers: 0%, 15 billing cycles for balance transfers made within first 60 days

Ongoing APR

15.49% - 25.49% Variable

Bonuses & Perks

$200 after spending at least $1,000 in the first 90 days of account opening, 25% to 75% more rewards for Preferred Rewards members

Highlights
  • No annual fee
  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
  • Earn 3% cash back in the category of your choice, 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases
  • 0% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 15.49% - 25.49% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers
  • No expiration on rewards
  • If you're a Preferred Rewards member, you can earn 25% - 75% more cash back on every purchase
Blue Cash Preferred® Card from American Express

Apply Now

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On American Express' Secure Website.

Apply Now

On American Express' Secure Website.

Rewards

6% cash back at U.S. supermarkets ($6,000 spending cap per year), 2% cash back at U.S. gas stations, 1% back on all else

Annual Fee

$95

Foreign Transaction Fee

2.7% of each transaction after conversion to US dollars.

Intro APR

Purchases: 0%, 12 months
Balance Transfers: 0%, 12 months

Ongoing APR

14.49%-25.49% Variable

Bonuses & Perks

$250 statement credit after spending $1,000 within three months, get free 2-day shipping on eligible items at a growing network of 100+ online stores with ShopRunner.

Highlights
  • Earn a $250 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • NEW 6% Cash Back on select U.S. streaming subscriptions.
  • NEW 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more.
  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). 3% Cash Back at U.S. gas stations. 1% Cash Back on other purchases.
  • Over 3 million more places in the U.S. started accepting American Express® Cards in 2017 and 2018.
  • Low intro APR: 0% for 12 months on purchases and balance transfers, then a variable rate, currently 14.49% to 25.49%
  • $95 annual fee.
  • Terms Apply.
Capital One® Quicksilver® Cash Rewards Credit Card

Apply Now

Apply Now

On Capital One's Secure Website.

Apply Now

On Capital One's Secure Website.

Rewards

Unlimited 1.5% cash back, no minimum to redeem

Annual Fee

$0

Intro APR

Purchases: 0%, for 15 months
Balance Transfers: 0%, for 15 months

Ongoing APR

15.49% - 25.49% Variable

Bonuses & Perks

$150 after spending $500 within first three months of account opening, free credit monitoring

Highlights
  • One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 15 months; 15.49%-25.49% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 15.49%-25.49% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • Pay no annual fee or foreign transaction fees
Citi® Double Cash Card – 18 month BT offer

Apply Now

Apply Now

On Citi's Secure Website.

Apply Now

On Citi's Secure Website.

Rewards

2% cash back: 1% when you buy plus 1% as you pay

Annual Fee

$0

Intro APR

Purchases: N/A
Balance Transfers: 0%, 18 months

Ongoing APR

15.49% - 25.49% (Variable)

Bonuses & Perks

FICO score for free

Highlights
  • Earn cash back twice. Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • To earn cash back, pay at least the minimum due on time.
  • Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 15.49% - 25.49%, based on your creditworthiness.
  • Balance Transfers do not earn cash back.
  • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • The standard variable APR for Citi Flex Plan is 15.49% – 25.49% based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
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What is considered an excellent credit score?

The widely-used FICO® scoring model goes from 300 to 850, and one of the major credit bureaus, Experian, considers an excellent credit score to be from 800 to 850.

Other companies have their own idea of what an excellent credit score is and set the bar lower, such as a score of 720 or 740.

Once you have an excellent credit score, the exact number is more important for mortgages than it is for credit cards. You probably wouldn’t receive a denial on a credit card application because your score is 750 instead of 780. Either number will be good enough for just about any card. But that 30-point difference could change your annual percentage rate (APR) on a mortgage, causing you to pay thousands more over the lifespan of the loan.

How to take advantage of an excellent credit score

The basic idea behind taking advantage of an excellent credit score is that you leverage your score to improve your financial situation. How you do this will depend on what your current money goals are, but I’ve outlined your main options below.

Max out what you earn on your spending

If you don’t have any high-interest debt to pay off, then you’re free to focus on maximizing what you earn from your credit card. You can choose whether to do this with:

  • Travel rewards cards -- These will earn points that you can redeem towards travel purchases.
  • Cash-back cards -- These will earn you money back that you can redeem as a statement credit or check.

Carrying multiple cards

Contrary to the popular misconception, having multiple credit cards isn’t bad for your credit score. And with an excellent score, you have a good chance of getting approved for multiple cards.

How does having multiple credit cards help you earn more back? The first way, and the most significant, is the signup bonuses. It’s simple math - - getting four 50,000-point signup bonuses beats getting one. Those bonuses are how even someone relatively frugal can collect enough points to pay for all their travel.

The second is mixing and matching cards based on which cards earn the most back in each spending category. Since there are so many cards with different rewards rates, combining cards like this can help you earn much more on your everyday expenses. Here’s an example of how this could work with cash-back cards:

  • Bonus category cards earn premium rates for specific purchases and a common 1% base rate on all else. Therefore, you can carry one card to earn premium rates in bonus categories and 1.5% cash back (a common yield for flat rate cash back cards) on all other purchases.

That example uses cash-back cards, but you could do the same with travel rewards cards.

You should exercise caution here, as more credit cards means more to manage, and one late fee can wipe away a lot of hard work. But if you’re willing, multiple cards can pay off.

Refinance your debt

If you have debt, your credit score can help you refinance it, so you pay less in interest and only need to make one payment towards it per month. The two most common financial tools for this are balance transfer credit cards and personal loans.

With a balance transfer credit card, you can move all your credit card debt to one card. Although you’ll typically pay balance transfer fees for this, the best balance transfer cards offer low intro APR rates, sometimes even at 0%, so you’ll have time to pay off what you owe without accumulating any more interest.

A personal loan allows you to pay off any existing debt, and then pay the loan off in equal installments. There aren’t any 0% APR offers, but the best personal loans do offer low interest rates. And unlike credit cards, personal loans don’t require you to transfer balances or pay balance transfer fees.

Finance a purchase

I usually don’t recommend financing large purchases, as I’ve found it’s better to save enough money to pay for what I want outright and avoid the debt entirely. But if you really want or need something that’s out of your budget, you can apply for a 0% APR credit card and put the purchase on that.

The 0% APR will only be the intro rate (no bank would have much success offering 0% APR indefinitely). This means it’s imperative that you’re able to pay off your purchase in full before that intro period ends.

Improve a high credit score

This may seem a bit redundant, but there are situations where you’d want to improve an excellent credit score. Maybe you’re planning to apply for a mortgage, or you could just be in pursuit of that mythical 850.

If your score is in the mid to high-700s, you probably already have a rock-solid payment history and low credit utilization. At this point, you’ll need to focus on those factors that make up a smaller portion of your credit score, which are:

  • Length of credit history -- 15% of your score
  • Recent credit inquiries -- 10% of your score
  • Types of credit used -- 10% of your score

The optimum strategy is to keep new credit applications to a minimum (avoid them entirely if you can). You won’t add any credit inquiries this way, and you also won’t add new accounts that decrease your average account history length.

While you can diversify your types of credit by adding a loan to the mix, it wouldn’t be wise to do so solely for this purpose, because you’d need to pay interest on it for a minor bump to your credit score.

Maintaining your credit

If you’re satisfied with your credit score and just want to maintain it, then you’ll be fine applying for new credit as you please. The hard credit inquiry will have a negligible impact on your score, as the average drop is a mere five points. Your credit score can bounce back from that within a matter of months.

There’s no secrets needed to get a high score or to keep one. The only two financial habits you need are on-time payments and low credit utilization.

Why your application may be declined when you have excellent credit

One of the biggest perks of an excellent credit score is that when you apply for a new card, the odds are in your favor. But no credit score guarantees you a successful application. To help you avoid situations where you receive a denial despite a high credit score, it helps to understand the most common reasons that would happen:

  • Insufficient income -- Card issuers will only extend you so much credit based on your income. If the minimum credit limit on a card is more than what the card issuer is willing to issue to you, then they won’t approve your application.
  • Too much credit extended already -- When you have one or more credit cards with a card issuer, there could come a point where they’re unwilling to issue you any more credit. One method to get around this that has worked for me is asking a customer service representative to reduce the credit lines on my other cards, and then put that available credit towards the new card.
  • Too many recent credit inquiries -- Card issuers get wary when they see several recent credit inquiries on your file, because there’s the risk of you either racking up huge balances you don’t pay or getting a card’s sign-up bonus, and then canceling the card. What constitutes too many inquiries varies by card issuer, and some are believed to have their own internal rules about this.
  • Too many cards opened recently -- Closely related to the reason above, this is another area where card issuers seem to have their own internal rules that come into play. A confirmed restriction is Chase’s 5/24 rule, which automatically denies your Chase credit card application if you’ve opened five or more credit accounts in the previous 24 months.

As you can see, most of these issues relate to applying for new credit cards frequently, and you’re unlikely to run into any of them if it’s your first application in some time. The only exception is insufficient income, but you can get most credit cards with an annual salary in the $30,000 to $40,000 range, and potentially even less.

What to do if your application is denied

For one reason or another, you’ve probably seen the dreaded “We’re unable to approve you for a credit card at this time.” It’s even more frustrating to read this when you know you’re an ideal client, but it’s not the end of the road.

Whenever you have a denied application, you should contact the card issuer’s reconsideration line and ask them to take another look at it. Be sure to mention everything that demonstrates your financial responsibility -- never missing a payment, paying your bill in full, and so on.

With any luck, the representative will push your application through. If not, you can always call back and try again. The worst that can happen is they’ll say no, so this is a no-lose scenario.

Making the most of your credit

I’m not saying you should go out and apply for a dozen credit cards, but if you have an excellent credit score, you should absolutely get at least one card that helps you reach your financial goals. That could be paying off debt, or you could pick up a travel rewards card that helps cover your next vacation.

Card issuers want nothing more than for consumers with excellent credit to apply for their cards. They’ll offer benefits and bonuses worth hundreds of dollars or more just to get your business. When you know how to handle credit, you can cash in on your credit score.

The Ascent's picks for top credit cards for excellent credit:
Card Rating Great For…
Chase Sapphire Preferred® Card Graphic of Chase Sapphire Preferred® Card
Rating image, 4.5 out of 5 stars.
4.5 stars
ToolTip Icon for Star Rating. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor.
Great For:

Travel and points transfers

Capital One® Venture® Rewards Credit Card Graphic of Capital One® Venture® Rewards Credit Card
Rating image, 4.0 out of 5 stars.
4.0 stars
ToolTip Icon for Star Rating. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor.
Great For:

Flat-rate travel miles and sign-up bonus

Bank of America® Travel Rewards Visa® credit card Graphic of Bank of America® Travel Rewards Visa® credit card
Rating image, 4.5 out of 5 stars.
4.5 stars
ToolTip Icon for Star Rating. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor.
Great For:

Travel card with no annual fee

Bank of America® Premium Rewards® Visa® credit card Graphic of Bank of America® Premium Rewards® Visa® credit card
Rating image, 4.0 out of 5 stars.
4.0 stars
ToolTip Icon for Star Rating. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor.
Great For:

Premium travel rewards

Chase Sapphire Reserve® Graphic of Chase Sapphire Reserve®
Rating image, 4.5 out of 5 stars.
4.5 stars
ToolTip Icon for Star Rating. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor.
Great For:

Travel and dining

Citi Simplicity® Card - No Late Fees Ever Graphic of Citi Simplicity® Card - No Late Fees Ever
Rating image, 4.0 out of 5 stars.
4.0 stars
ToolTip Icon for Star Rating. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor.
Great For:

Long balance transfer offer

Discover it® Balance Transfer Graphic of Discover it® Balance Transfer
Rating image, 5.0 out of 5 stars.
5.0 stars
ToolTip Icon for Star Rating. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor.
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BankAmericard® credit card Graphic of BankAmericard® credit card
Rating image, 4.5 out of 5 stars.
4.5 stars
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Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor.
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Balance transfers and purchases

Discover it® Cash Back Graphic of Discover it® Cash Back
Rating image, 4.5 out of 5 stars.
4.5 stars
ToolTip Icon for Star Rating. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor.
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Bank of America® Cash Rewards credit card Graphic of Bank of America® Cash Rewards credit card
Rating image, 4.5 out of 5 stars.
4.5 stars
ToolTip Icon for Star Rating. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor.
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Blue Cash Preferred® Card from American Express Graphic of Blue Cash Preferred® Card from American Express
Rating image, 4.0 out of 5 stars.
4.0 stars
ToolTip Icon for Star Rating. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor.
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Capital One® Quicksilver® Cash Rewards Credit Card Graphic of Capital One® Quicksilver® Cash Rewards Credit Card
Rating image, 4.5 out of 5 stars.
4.5 stars
ToolTip Icon for Star Rating. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor.
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Citi® Double Cash Card – 18 month BT offer Graphic of Citi® Double Cash Card – 18 month BT offer
Rating image, 4.5 out of 5 stars.
4.5 stars
ToolTip Icon for Star Rating. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor.
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