Credit Cards

Credit cards for excellent credit: 5 options for a world of possibilities

If you have an excellent credit score, you should check out these five top credit card offers. You could earn rewards, miles, enjoy VIP treatment, and much more!

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Miles, elite status, and more: learn what credit cards for excellent credit can offer you

Businessman Checking Credit Score On Laptop
Out of 10, only 2 people are part of the select group of those who have achieved an excellent credit score. Source: Adobe Stock

In fact, having an excellent credit score is not enough. You must have more: Excellent credit cards that make the most of this privilege. So, it was with this in mind that we wrote this article.

After scouring various options on the market, we have compiled 5 options you need to know about. Therefore, these credit cards are only available to those who have an excellent credit score i.e. above 781. Discover the best the market has to offer!

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Upgrade Triple Cash Rewards Card full review: should you get it?

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Enjoy the greatest rewards and benefits for excellent credit: 5 credit cards

Portrait of thinking nice women 20s in summer wear using cellphone while holding credit card and money bills
Amazing bonuses, powerful rewards, and exclusive perks are some of the benefits you can expect from cards for excellent credit scores. Source: Adobe Stock

According to the country’s leading credit bureaus, only 21% of the population has an excellent credit score. Indeed, this percentage has access to a series of special advantages.

Discover the best Credit Cards for excellent credit and understand what these benefits are:

Synchrony Premier World Mastercard®

Excellent money-back program with no limits or distinction of purchase category. In fact, this is the main advantage that only Synchrony Premier World Mastercard® owners can have.

In addition, we are talking about an extremely secure card. To that end, it offers age protection, 24-hour monitoring and zero liability for customers in the event of fraud.

In addition, with this card, you gain access to exclusive benefits and discount programs. Below is a compilation of the main information about this card:

Credit ScoreGood or excellent (from 670 to 850)
Annual Fee$0
Regular APRFrom 14.24% to 27.24%
Welcome bonusNone
Rewards2% unlimited cashback

Citi® Double Cash Card

Here’s another card with an excellent money-back program. In fact, the way the Citi® Double Cash Card has chosen to give you this reward is different from what is commonly seen.

However, be sure to be extremely advantageous for customers. In addition to this reward, with this card, you will have access to excellent introductory conditions. Below you can see a summary of all these advantages:

Credit ScoreGood or excellent (690-850)
Annual Fee$0
Regular APR0% APR for the first 18 months. From 14.24% to 24.24% in the following months.
Welcome bonusNone
Rewards2% cash back: unlimited 1% on purchase and 1% on payment.
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Citi® Double Cash Card: check out how to apply!

Looking for a great cash back credit card? Check out the Citi® Double Cash Card. You'll get 2% cash back on every purchase, plus anti-fraud protection and 0% APR in the first 18 months of use.

Bank of America® Customized Cash Rewards credit card

Accountant banker lady holding credit card and showing ok sign while sitting at workplace, smiling at camera in office
A multitude of credit cards with special conditions for travel and access to the best cashback programs: make the most of your excellent credit score. Source: Adobe Stock

Imagine that you could create your own cashback program. Which shopping category would you choose to give yourself the most rewards? In fact, someone has thought of this before.

Preferred Rewards members will be able to take advantage of the cashback program even more. In fact, members of this club earn between 25% and 75% in select rewards. That way, your purchases that offer 3% can yield 5.25%.

The Bank of America® Custom Cash Rewards credit card has a rewards program in which the customer decides which category will give the most points. To top it off, this card offers a very interesting welcome bonus and a long 0% APR period.

Interested? See the table below for more information:

Credit ScoreGood or excellent (700 – 850)
Annual Fee$0
Regular APRAPR 0% during the first 15 balance closes. After that, from 14.24% to 24.24% (variable)
Welcome bonus$200 bonus after $1,000 of purchases in the first 90 days
Rewards3% cash back on the category you choose; 2% on grocery and wholesale purchases (up to a quarterly limit of $2,500); Unlimited 1% on all other purchases

Capital One Venture Rewards Credit Card

It is practically impossible to talk about good credit cards with miles without mentioning the Capital One Venture Rewards Credit Card. At the outset, this credit product already offers an excellent amount of miles for you to enjoy.

In addition, it creates conditions for you to accumulate more and more miles without much effort. To democratize the use of your prize, this card allows your customers to use it in more than 15 programs.

Finally, it offers no fees for transactions abroad, which makes it a perfect travel companion. Learn about other Capital One Venture Rewards benefits in the summary table below:

Credit ScoreGood or excellent (700 – 850)
Annual Fee$95
Regular APRFrom 16.24% to 24.24% (variable)
Welcome bonusEarn 60,000 in miles when you spend $3,000 on assorted purchases in the first 3 months
RewardsEarn 2 miles for every dollar on purchases, 5 miles for every dollar on car rentals and hotels through Capital One Travel

PenFed Pathfinder® Rewards Visa Signature® Card

The card made to include travel in your routine, this is the PenFed Pathfinder® Rewards Visa Signature® Card. So, with a powerful rewards program, it will be easy (and cheap) to travel to the places you’ve always dreamed of.

Right at the entrance, you get a flurry of points. Afterwards, you will continue to be rewarded for every purchase you make. In addition, this card has a very advantageous average APR.

Learn more about this excellent credit card option in the table below:

Credit ScoreGood or excellent (700 – 850)
Annual Fee$95 ($0 for PenFed Honors Advantage members)
Regular APRFrom 15.99% to 17.99% (variable)
Welcome bonusEarn 50,000 bonus points if you spend $3,000 in the first 90 days
RewardsEarn 4x points in travel categories for PenFed Honors Advantage Members; 3x points on all travel categories, 1.5x points on all other purchases

We’ve come to the end of yet another list of great credit cards for you to enjoy. However, there are other alternatives you need to consider to get a much broader view of your options.

So there’s another list that we strongly recommend you check out. It’s here, at the link below. Click on the link and learn more:

Credit cards closeup

Credit cards for good credit: discover the benefits of these 5 options

With good credit, you can have many more advantages! Here are 5 great credit cards to make the most of your credit score.

About the author  /  José Gonçalo

I started reading about finance only to find better options than savings. Since then, I have never stopped studying finance, and I believe that writing about it is the best way to help individuals feel fulfilled and have a healthy financial life. Today, I balance finance and medical school studies.

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