9 Best Credit Cards for High Credit Scores (April 2024)

You’ve paid all your bills on time, kept your balances low, applied for and opened new credit only when you really needed to, and tackled your debt. Your hard work has paid off because you now have a high credit score you couldn’t be prouder of.

So, how can you reap the benefits of a high credit score? Easy! You can take advantage of the best credit cards for high credit scores and the awesome perks they offer.

Whether you’d like simple cash back or miles you can use for upcoming travel plans, plenty of options are available to you.

Best Overall
Cash Back | Travel | Dining | No Annual Fee | 0% Interest | Balance Transfers | FAQs

With an excellent credit score, you can qualify for some exciting credit card offers that simply aren’t an option to those with lower credit scores. First and foremost, you can expect lower APRs and higher credit lines so you can buy what you want when you want without worrying about paying high interest fees or having your card declined because you’ve reached your credit limit.

You may also enjoy introductory bonuses, airport lounge access, trip delay and cancellation protection, high rewards earning rates, and so much more. If you’ve put in the time and dedication it takes to build an excellent credit score, these best overall cards for high credit scores can certainly reward you.

The Chase Freedom Unlimited® offers an easy-to-understand rewards program that allows you to earn cash back on everything you buy. With this card, you don’t have to target your spending toward a specific type of purchase because you’ll earn bonus cash back rewards on some of the most common spending categoies and a flat-rate on everything else.

Another great perk of the Chase Freedom Unlimited® card is its 0% introductory APR offer on purchases. You won’t be charged an annual fee, and your rewards won’t expire as long as your account remains open.

If you choose the Chase Sapphire Reserve® card, you can earn bonus points after you meet the minimum spending requirement in the first three months from the date you open the card.

Each year you are a Chase Sapphire Reserve® cardholder, you’ll get a $300 travel credit you can use toward a variety of purchases including flights, hotel stays, tolls, UberEats purchases, parking garages, and more. This is quite the perk, as other cards aren’t as flexible and limit their travel credit to purchases with a specific airline or hotel.

The American Express® Gold Card can be the ideal card if you love going out to eat. You’ll earn 4x points at restaurants and grocery stores, so all your food purchases will earn industry-leading rewards.

You’ll also get monthly statement credits good toward different food delivery services and other participating partners to make this card even more appealing for foodies. That credit alone is worth almost half the annual fee.

If you take full advantage of a card’s perks, paying an annual fee is no big deal. The Discover it® Cash Back card is great, however, because it offers a plethora of benefits without the fee. It’s a bonus category card that can give you the opportunity to earn bonus cash back in rotating quarterly merchants that you activate.

The Discover it® Cash Back card is an excellent choice for those seeking serious cash back rewards. With a low APR and friendly introductory terms, it’s also attractive to those who want the benefits of a robust rewards program without steep interest payments.

By signing up for the Citi® Diamond Preferred® Card, you can lock in an industry-leading 0% introductory period. This can give you plenty of time to pay off large purchases and save big on interest.

Fortunately, this card does not come with an annual fee, so you can keep it for as long as you’d like without having to dish out any money. It also offers some awesome travel perks like trip cancellation and interruption insurance, free travel and emergency service, worldwide rental car coverage, and Citi Entertainment concierge services.

The Discover it® Balance Transfer card can be a good option if you’re looking for a card with a longer balance transfer offer as well as a cash back incentive so you can use it long after you’ve paid down your balance. You’ll enjoy a long introductory APR period on transfers and a modest period for new purchases with the Discover it® Balance Transfer card.

Cardholders also enjoy free FICO credit scores, so you can keep track of your high credit score while you pay down your balance.

If you’re new to credit cards for high credit scores, you likely have some questions, which we will answer below.

What Are the Best Credit Cards for People with Excellent Credit?

Having excellent credit, defined as a FICO Score above 740 or a VantageScore above 780, makes you eligible for a number of credit cards. If you’re looking for a straightforward rewards program and cash back on every purchase you make, the Chase Freedom Unlimited® can be the perfect fit.

For the ultimate travel rewards card, you’ll likely appreciate the Chase Sapphire Reserve® Card, with which you can earn a $300 travel credit every year to use toward a wide range of travel-related purchases. If you find yourself frequenting various restaurants, the Capital One® Savor® Cash Rewards Credit Card will reward you with an unlimited 4% cash back on all dining and entertainment purchases. (Information for this card not reviewed by or provided by Capital One.)

The Discover it® Cash Back is a solid choice if you don’t mind rotating categories. For a 0% interest credit card, the Citi® Diamond Preferred Card® is a great pick.

With the Discover it® Balance Transfer, you can enjoy the best of both worlds: a longer balance transfer offer and cash back incentives.

How Many Credit Cards Do People with Excellent Credit Have?

Everyone is different and has their own unique preferences and money management strategies, so there is no one definitive answer to this question. While you may be better off with three or four credit cards, one credit card may make more sense for someone else with excellent credit.

Having a mix of credit accounts is factored into an excellent credit rating, so having a few credit cards isn’t a bad thing, as long as you use them responsibly. With a number of credit cards at your disposal, you can earn the maximum rewards on every purchase you make.

For example, you may want to use the Capital One® Savor® Cash Rewards Credit Card every time you eat out and get the most bang for your buck on restaurant purchases, and the Discover it® Balance Transfer to pay off your new kitchen renovation. (Information for this card not reviewed by or provided by Capital One.)

Of course, you don’t want to have too many credit cards, as it can be easier for you to forget to pay a bill or charge up too much debt.

What is the Toughest Credit Card to Get?

Some cards can be difficult to get even if you have stellar credit. Take for example the Centurion Card – better known as the American Express “Black Card”. It is so prestigious that you have to be invited to use it.

Although American Express hasn’t officially published the requirements of this card, the word is you must be a high earner who has spent and paid off between $350,000 and $500,000 across all your American Express accounts in a calendar year.

Once you’re approved, you have to pay a $7,500 initiation fee and a $2,500 annual fee to take advantage of perks, such as hotel elite status, airport lounge access, international arrival service, and best of all, no spending limit.

Don’t worry if you don’t get invited to apply for a Black Card any time soon — plenty of other credit cards, including those listed above, can reward you handsomely for your good financial habits.

Looking for a new credit card is exciting when you have a high credit score. Not only are your chances of approval increased, but you’ll also pay the lowest APRs and receive the best perks only available to the few Americans with an excellent credit rating.

The best credit cards for high credit scores can give you the chance to earn cash, save on travel, make big purchases with ease, and thrive financially.