Top Credit Cards For Excellent Credit

With the Bank of America^® Travel Rewards credit card, you'll earn 1.5 points per $1 spent on all purchases. But it gets even better: points can be redeemed for nearly any travel purchase in the form of a statement credit. And if that all wasn't enough, this card also comes with an outstanding welcome offer for new cardholders: 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. Plus, this is one of the few travel rewards cards with a $0 annual fee.

This card also offers no foreign transaction fees, making it perfect for keeping costs down while traveling abroad. If you’re a frequent traveler looking for a simple yet powerful $0 annual fee card that won’t restrict your travel to certain airlines, giving you the flexibility to travel on any airline, at any time, with no blackout dates, then this card could be the ideal pick for you.

The Bank of America^® Customized Cash Rewards credit card is one of our favorites because it offers something pretty uncommon among rewards cards – choice. Its three-tiered rewards program gives 3% cash back in the category of your choice. 2% cash back at grocery stores and wholesale clubs for the first $2,500 in combined choice category/grocery store/wholesale club quarterly purchases. 1% cash back on all other purchases. and, if you’re a new cardholder, $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening. And since you can switch up that 3% category each month, from travel to dining to online shopping, you can have an unprecedented amount of control over how you earn your rewards. Couple that with a long period of 0% Intro APR for 15 billing cycles for purchases on purchases and 18.49% - 28.49% Variable APR after that billing period is over and the $0 annual fee, and you have a card that’s hard to ignore. After all, what’s better than getting to take control of your cash back?

The Citi Double Cash^® Card is prized by people who want to transfer high-interest debt. Citi offers you a lifeline with intro APR of 0% intro apr for 18 months on balance transfers. You’ll appreciate the steady stream of cash back that comes with every purchase, every day. 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. Plus, a special travel offer, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/25. There are no categories to track, no caps on cash back and $0 annual fee. Pile your cash rewards onto your balance and say goodbye to your debt faster. Stop new high-interest charges from racking up with a balance transfer on this no-hassle card.

One of the most popular cards for frequent travelers – and for good reason! Chase Sapphire Preferred^® Card cardholders can enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more. You can also earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. Another benefit of this card is it allows you to transfer your points to several travel programs, that include major airlines and hotel chains. This makes the card perfect for travelers who like to use multiple loyalty programs or fly with multiple airlines. The annual fee is $95, and the rewards can easily make up for it depending on your spending habits.

When it comes to cash-back credit cards the Discover it^® Cash Back is in a league of its own. Cardholders will earn 5% cash back at different places each quarter up to the quarterly maximum when you activate. 1% unlimited cash back on all other purchases - automatically. You can also take advantage of the Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.

Log into your Discover account each quarter to activate the 5% Cashback Bonus® and truly maximize your cash back earning potential. Finance purchases with intro APR 0% Intro APR for 15 months then, 18.49% - 27.49% Variable APR *Rates as of December 12, 2024 after that. Get all this for $0 annual fee.

Get the best of both worlds with this generous card that offers both a long 0% intro interest period on purchases and rich cash back rewards. Take advantage of an intro APR of 0% intro on purchases for 15 months, followed by 19.49% - 29.49% (Variable) APR. During the intro period you get breathing room to pay down your balance without interest charges piling up. And it's the same for balance transfers: an APR of 0% intro on balance transfers for 15 months (Balance transfer fee applies) followed by an ongoing APR of 19.49% - 29.49% (Variable). Balance transfer fee applies. But the standout feature on this incredible low interest card is the rich cash back rewards program. You will earn cash on everything you buy, everywhere. Enjoy a earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening. Earn an impressive 1.5% Cash Back on every purchase, every day; 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply). Get all this for $0 annual fee.

If you want to earn generous cash back* without an annual fee and you buy groceries and gas every week, this card could be a perfect match for you. Right out of the gate, new cardholders get access to an amazing welcome offer: Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.  On top of that, your rewards could add up fast when you factor in this card's top-of-the-line rewards program. 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%. 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%. 3% Cash Back at U.S. gas stations, on up to $6,000 per year in purchases, then 1%. 1% cash back on other purchases. Terms apply.

But this card isn't just about rewards. You can save on interest with an intro purchase APR of 0% on purchases for 15 months then 18.24%-29.24% Variable APR after that - that long 0% APR period means you won't have to worry about interest charges piling up for more than a year. It's the same for balance transfers: 0% on balance transfers for 15 months, then 18.24%-29.24% Variable APR. Bottom line, this is a valuable $0 annual fee cash back card that rewards you for things you buy every day - it's just that easy.

*To see rates & fees for Blue Cash Everyday^® Card from American Express, please click here.

The Blue Cash Preferred^® Card from American Express offers best-in-class cash back* on gas and groceries with no rotating categories. Cardholders start off with a generous welcome offer: if you're a new cardholder, you'll earn a $250 statement credit after you spend $3,000 in eligible purchases on your new card within the first 6 months. This card offers also an extraordinary Earn 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%), 6% Cash Back on select U.S. streaming subscriptions, 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more), 1% Cash Back on other purchases. Terms apply. If you spend $500 per month on groceries, over the course of a year, you'll earn $360 cash back for food you are already buying. You will also get sizable cash back at U.S. gas stations and select U.S. department stores, plus 1% cash back on everything else. Even better, get flexibility for your budget with the 0% on purchases for 12 months intro APR on purchases then 18.24%-29.24% variable APR - if you have a big expense coming up, that gives you a year without having to worry about interest charges piling up. You also get a year of interest relief for balance transfers: an intro APR of 0% on balance transfers for 12 months, then 18.24%-29.24% Variable APR after that.

There is a $0 intro annual fee for the first year, then $95. annual fee. But, many people can earn substantial cash back* rewards well beyond that. This card is one of the cases where the benefits can significantly outweigh the annual fee.

*To see rates & fees for Blue Cash Preferred^® Card from American Express, please click here.

If you want a card with a 0% intro APR period on purchases and balance transfers, no annual fee, no foreign transaction fees, no overlimit fee, and a free pass the first time you miss a payment, then look no further than the Discover it^® Chrome credit card! Cardholders get an intro APR of 0% Intro APR for 6 months on purchases and 0% Intro APR for 18 months on balance transfers, then 18.49% - 27.49% variable apr *rates as of december 12, 2024. With the Discover it^® Chrome credit card you can ensure you're always ready to hit the road. Plus, you can earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. 1% unlimited cash back on all other purchases - automatically.

Rewards can be redeemed at any time and never expire. As an exclusive offer, Discover will automatically match all the cash back you've earned at the end of your first year of cardmembership.

It’s not often we see something that completely changes the game when it comes to credit card rewards, but that’s exactly what’s happening with the Wells Fargo Active Cash^® Card. How is this card re-shaping the rewards landscape? It all starts with its headline feature: cardholders earn unlimited 2% cash rewards on purchases with no restrictions on categories and no expiration date on rewards. Let that sink in – no other card on the market today offers such a high rate of truly unlimited cash rewards. If you’re looking for a no-maintenance card that can help you maximize your returns on every purchase you make, this is absolutely it. And it gets even better if you’re a new cardholder: you can earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months from account open.

But this $0-annual fee card isn’t just good for rewards – it’s also an excellent way to mitigate the cost of a large expense or get out of debt. The Wells Fargo Active Cash^® Card offers a super-long 0% intro APR period on purchases: 0% intro APR for 12 months from account opening on purchases, then 19.49%, 24.49%, or 29.49% Variable APR after that intro period is up. And if you’re transferring a balance from a high-interest credit card, you can get the same period of 0% intro APR: 0% intro APR for 12 months from account opening on qualifying balance transfers, then 19.49%, 24.49%, or 29.49% Variable APR after that. This gives you incredible flexibility in covering life’s unexpected (and often expensive) developments, and with this card’s already industry-leading rewards program you can feel confident always having this card in your wallet.

Earn more points on every purchase (even the little ones). The Citi Rewards+^® Card is the only card that automatically rounds up every purchase to the nearest 10 points. That means when you buy a $2 coffee, you’d earn 10 points back. This attractive new rewards card from Citi includes long zero intro interest periods on both purchases and balance transfers and a nice sign-up bonus, all with a $0 annual fee.

Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases. Plus, as a special offer, earn a total of 5 ThankYou® Points per $1 spent on hotel, car rentals and attractions booked on CitiTravel.com through December 31, 2025. There is a low spending requirement to earn the sign-up bonus. Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com. Take advantage of the long intro APRs: 0% intro APR for 15 months on Purchases, then 17.99% - 27.99% (Variable) APR. Plus, you get 0% intro APR for 15 months on Balance Transfers, then 17.99% - 27.99% (Variable) APR after that. Our take? This is a great everyday rewards card.

The Citi Custom Cash^® Card is one of the most innovative cards on the market, offering a rewards program that tailors itself to your spending habits. It all starts with the incredible suite of cash back rewards. Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases. Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2026. Unlike many cards that require you to go in and manually select a top cash back category, this card automatically determines the category where you’ve spent the most and applies the highest rate of cash back return, ensuring you’ll always be maximizing your earning potential. And it only gets better for new customers. Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.

The Citi Custom Cash^® Card also makes for a great everyday card if you have a large purchase on the horizon or are looking to transfer high interest credit card debt. You’ll get 0% intro APR for 15 months on Purchases, then 18.49% - 28.49% (Variable) APR based on creditworthiness. It's the same for balance transfers: 0% intro APR for 15 months on Balance Transfers, then 18.49% - 28.49% (Variable) APR after that intro period is up. And as if it couldn’t get any better, this card also sports a $0 annual fee.