Best Credit Cards for Excellent Credit

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.

When you have excellent credit, shopping for a new credit card becomes less stressful and a lot more exciting. Your credit score is the No. 1 piece of information banks will look at when you apply for a card, so you can expect to qualify for most of the best credit cards on the market. Instead of basing your decision on what cards you’ll be able to get, you can base it on what you want in a card.

An excellent credit score is a terrible thing to waste, so I’m going to cover assessing what you need in a card, some of the best credit cards you can choose, and how you can keep building your credit.

Apply Now
Secure lock icon.

On Chase's Secure Website.

Our Bottom Line

One of the most popular travel cards for many reasons. This offer is practically a must-have for travelers seeking a big sign-up bonus and one of the best points programs available on the market.

Read Full Review
What we Like:
  • 60,000 points sign-up bonus
  • 2 points per $1 for travel & dining
  • Flexible points transfer program
Key Scores:
4.5 5 Perks
5.0 5 Fees
1.5 5 APR
Perks 4.5/5
Fees 5.0/5
APR 1.5/5
  • Annual Fee: $95
  • Regular APR: 17.99% - 24.99%, Variable
  • Intro APR: Purchases: N/A Balance Transfers: N/A
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.
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Apply Now
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On Citi's Secure Website.

Our Bottom Line

No late fees, no annual fee, and no penalty rate make this an unmatched pick, even better that it somehow packs in a market-leading 0% intro APR offer.

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What we Like:
  • 0% intro APR for balance transfers and purchases
  • No late-payment fees
  • No annual fee
Key Scores:
5.0 5 Perks
2.5 5 Fees
4.5 5 APR
Perks 5.0/5
Fees 2.5/5
APR 4.5/5
  • Annual Fee: $0*
  • Regular APR: 16.74% - 26.74%* (Variable)
  • Intro APR: Purchases: 0%, 12 months* Balance Transfers: 0%, 21 months*
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 16.74% - 26.74%, based on your creditworthiness
  • 0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 16.74% - 26.74%, 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 same great rate for all balances, after the introductory period
  • Save time when you call with fast, personal help, 24 hours a day – just say "representative"
  • Enjoy the convenience of setting up your own bill payment schedule on any available due date throughout the month
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Apply Now
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On Discover's Secure Website.

Our Bottom Line

A clear cash-back leader with a laundry list of perks that reads like a novel. You’ll be hard pressed to find a competing card with a matching feature set and no annual fee.

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What we Like:
  • Bonus cash back
  • No annual fee
  • 0% intro APR offer
  • FICO® Score for free
Key Scores:
5.0 5 Perks
4.0 5 Fees
5.0 5 APR
Perks 5.0/5
Fees 4.0/5
APR 5.0/5
  • Annual Fee: $0
  • Regular APR: 13.99% - 24.99% Variable
  • Intro APR: Purchases: 0.00%, 14 months Balance Transfers: 0.00%, 14 months
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 at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time 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.
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Rates & Fees
Apply Now
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On Bank of America's Secure Website.

Our Bottom Line

The bonus leads the pack in the no-annual fee category, plus you earn premium cash back in a category of your choice and now have access to a long 0% intro APR offer.

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What we Like:
  • Big bonus offer
  • 3% back on gas or a category of your choice
  • No annual fee
Key Scores:
5.0 5 Perks
4.0 5 Fees
4.5 5 APR
Perks 5.0/5
Fees 4.0/5
APR 4.5/5
  • Annual Fee: $0
  • Regular APR: 15.99% - 25.99% Variable
  • Intro APR: Purchases: 0%, 15 billing cycles Balance Transfers: 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days
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 on gas or your choice of one of five other popular categories, 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, 15.99% - 25.99% 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
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Apply Now
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On Capital One's Secure Website.

Our Bottom Line

Strikes a nice balance of high rewards and a big sign-up bonus with low fees. With a base travel rewards rate of 2 miles per $1 and other perks on Hotels.com purchase and TSA Pre✓® credits, this is a no-fuss travel rewards card that's hard to ignore

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What we Like:
  • 50,000 miles sign-up bonus
  • 10 miles per $1 at Hotels.com
  • 2 miles per $1
  • No foreign transaction fees
Key Scores:
4.0 5 Perks
5.0 5 Fees
2.5 5 APR
Perks 4.0/5
Fees 5.0/5
APR 2.5/5
  • Annual Fee: $0 intro for first year; $95 after that
  • Regular APR: 17.99% - 25.24% Variable
  • Intro APR: Purchases: N/A Balance Transfers: N/A
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. Plus earn 10X miles on thousands of hotels, through January 2020; learn more at hotels.com/venture
  • Named ‘The Best Travel Card' by CNBC, 2018
  • 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
  • No foreign transaction fees
  • $0 intro annual fee for the first year; $95 after that
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Apply Now
Secure lock icon.

On Discover's Secure Website.

Our Bottom Line

Few can top this offer. The balance transfer offer and cash rewards program, alone, are best in class, but you get both in one card without having to pay an annual fee.

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What we Like:
  • Balance transfer offer
  • Rotating bonus cash back
  • No annual fee
  • FICO® Score for free
Key Scores:
5.0 5 Perks
4.0 5 Fees
4.5 5 APR
Perks 5.0/5
Fees 4.0/5
APR 4.5/5
  • Annual Fee: $0
  • Regular APR: 13.99% - 24.99% Variable
  • Intro APR: Purchases: 0.00%, 6 months Balance Transfers: 0.00%, 18 months
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 at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time 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.
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Rates & Fees
Apply Now
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On Capital One's Secure Website.

Our Bottom Line

This may be the most versatile and flexible cash-back card on the market. The long 0% intro APR makes the offer hard to pass up, especially if you're wanting to keep a one-card wallet that packs in a rich rewards program.

Read Full Review
What we Like:
  • $150 sign-up bonus
  • Unlimited 1.5% cash back
  • No foreign transaction fees
  • 0% intro APR
Key Scores:
4.0 5 Perks
5.0 5 Fees
4.0 5 APR
Perks 4.0/5
Fees 5.0/5
APR 4.0/5
  • Annual Fee: $0
  • Regular APR: 16.24% - 26.24% Variable
  • Intro APR: Purchases: 0%, for 15 months Balance Transfers: 0%, for 15 months
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; 16.24%-26.24% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 16.24%-26.24% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • Pay no annual fee or foreign transaction fees
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Apply Now
Secure lock icon.

On Bank of America's Secure Website.

Our Bottom Line

The introductory bonus offer, premium travel & dining rewards, and up to $200 in travel-related statement credits make this a compelling offer for travelers who can justify paying an annual fee.

Read Full Review
What we Like:
  • 2 points per $1 for travel & dining
  • Big bonus offer
  • Up to $200 in travel credits
Key Scores:
4.0 5 Perks
5.0 5 Fees
1.5 5 APR
Perks 4.0/5
Fees 5.0/5
APR 1.5/5
  • Annual Fee: $95
  • Regular APR: 17.99% - 24.99% Variable
  • Intro APR: Purchases: N/A Balance Transfers: N/A
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
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Apply Now
Secure lock icon.

On Bank of America's Secure Website.

Our Bottom Line

No-annual-fee travel cards typically skimp on the sign-up bonus, but this card delivers with its market-leading intro bonus offer, unlimited rewards on spending, and other wallet-friendly perks.

Read Full Review
What we Like:
  • Unlimited 1.5 points per $1
  • Big intro bonus offer
  • No foreign transaction fees
Key Scores:
5.0 5 Perks
4.0 5 Fees
4.0 5 APR
Perks 5.0/5
Fees 4.0/5
APR 4.0/5
  • Annual Fee: $0
  • Regular APR: 16.99% - 24.99% Variable
  • Intro APR: Purchases: 0%, 12 billing cycles Balance Transfers: N/A
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
  • Comes with chip technology for enhanced security and protection at chip-enabled terminals
  • 0% Introductory APR for 12 billing cycles for purchases. After the intro APR ends, 16.99% - 24.99% Variable APR will apply
  • If you're a Preferred Rewards member, you can earn 25% - 75% more points on every purchase
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Get our latest tips and uncover more of our top picks to help you conquer your money goals

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.

Why you can trust me

Confession time -- for years, I failed to take advantage of a high credit score. I used my credit card for all my purchases and paid in full, but I was earning a flat rate of 1 point per $1 and redeeming it for cash back. I’m not keen on admitting this, but I even considered redeeming my points for a TV, which would have probably gotten me $0.005 per point at best.

Then I saw the light. Travel rewards credit cards piqued my interest, and I started applying for ones I liked. I’ve since used my cards and their sign-up bonuses to earn thousands of dollars in benefits. I know how much money I was leaving on the table before, and I’ve spent years learning how to maximize the value of excellent credit.

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.

To recap, here are the best credit cards for excellent credit

Here Are The Ascent's Picks for Top Credit Cards for Excellent Credit:
Card Rating Great For…
Chase Sapphire Preferred® Graphic of Chase Sapphire Preferred®
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 miles and points transfers

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:

Longest balance transfer offer

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.
Great For:

Bonus cash back

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.
Great For:

Cash rewards program

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

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.
Great For:

Balance transfers and cash back

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.
Great For:

Unlimited cash back

Bank of America® Premium Rewards® credit card Graphic of Bank of America® Premium 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:

Premium travel rewards

Bank of America® Travel Rewards credit card Graphic of Bank of America® Travel 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.
Great For:

Travel card with no annual fee