The Ultimate Guide to Credit Cards
Saturday, December 14, 2019

9 Best Credit Cards for High Credit Scores

9 Best Credit Cards for High Credit Scores

credit card advice

Anna Baluch
By: Anna Baluch
Posted: October 11, 2019

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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

Best “Overall” Cards for High Credit Scores

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.

Discover it® Cash Back Review

at Discover Card'ssecure website

EXCELLENT CREDIT RATING

★★★★★
5.0

OVERALL RATING

5.0/5.0
  • 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.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 14 months
0% for 14 months
13.49% - 24.49% Variable
$0
Good/Excellent

EXCELLENT CREDIT RATING

★★★★★
5.0

OVERALL RATING

5.0/5.0
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Earn unlimited 1.5% cash back on all purchases.
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.49 - 25.24%.
  • 3% intro balance transfer fee when you transfer a balance during the first 60 days your account is open, with a minimum of $5
  • No annual fee
  • No minimum to redeem for cash back
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases 15 months
0% Intro APR on Balance Transfers 15 months
16.49% - 25.24% Variable
$0
Good/Excellent

EXCELLENT CREDIT RATING

★★★★★
5.0

OVERALL RATING

5.0/5.0
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • Unlimited 1% cash back on all other purchases - it's automatic
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.49 - 25.24%.
  • 3% intro balance transfer fee when you transfer a balance during the first 60 days your account is open, with a minimum of $5.
  • No annual fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases 15 months
0% Intro APR on Balance Transfers 15 months
16.49% - 25.24% Variable
$0
Good/Excellent

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.

Best “Cash Back” Card for High Credit Scores

The Chase Freedom Unlimited® card 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 1.5% cash back on dining, entertainment, groceries, gas, and just about anything else you spend your money on.

CASH BACK RATING

★★★★★
5.0

OVERALL RATING

5.0/5.0
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Earn unlimited 1.5% cash back on all purchases.
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.49 - 25.24%.
  • 3% intro balance transfer fee when you transfer a balance during the first 60 days your account is open, with a minimum of $5
  • No annual fee
  • No minimum to redeem for cash back
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases 15 months
0% Intro APR on Balance Transfers 15 months
16.49% - 25.24% Variable
$0
Good/Excellent

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

Best “Travel Rewards” Card for High Credit Scores

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.

AIR MILES RATING

★★★★★
4.7

OVERALL RATING

4.8/5.0
  • 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®
  • Named "Best Premium Travel Credit Card" for 2018 by MONEY® Magazine
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year
  • 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
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
18.49% - 25.49% Variable
$450
Good/Excellent

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.

Best “Dining Rewards” Card for High Credit Scores

The Capital One® Savor® Cash Rewards Credit Card can be the ideal card if you love going out to eat. Once you meet the minimum spending requirement in the first three months from when you open the card, you can claim a one-time cash bonus.

EXPERT'S RATING

★★★★★
4.8

OVERALL RATING

4.8/5.0
  • Earn a one-time $300 cash bonus after you spend $3000 on purchases within the first 3 months from account opening
  • Earn unlimited 4% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases. Plus, earn 8% cash back on tickets at Vivid Seats through May 2020.
  • 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
  • No foreign transaction fees
  • Capital One cardholders get access to premium experiences in dining, entertainment and more
  • $0 intro annual fee for the first year, $95 after that
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
16.24% - 25.24% (Variable)
$0 intro for first year; $95 after that
Excellent, Good

Where this card really shines is its cash back rewards. You can enjoy unlimited 4% cash back on all dining and entertainment purchases. It will also reward you 2% when you go grocery shopping and 1% on anything else you buy.

Best “No Annual Fee” Card for High Credit Scores

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 an annual fee. It’s a bonus category card that can give you the opportunity to earn 5% cash back on up to $1,500 in purchases at grocery stores, restaurants, gas stations, Amazon.com, and other merchants each quarter. All you have to do is activate the new bonus category each quarter.

Discover it® Cash Back Review

at Discover Card'ssecure website

EXPERT'S RATING

★★★★★
5.0

OVERALL RATING

5.0/5.0
  • 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.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 14 months
0% for 14 months
13.49% - 24.49% Variable
$0
Good/Excellent

The most noteworthy perk of this no-annual-fee card is a Cashback Match on all purchases you make in the first year. This means you can earn a cash back rate of 10% on selected purchases during your first year. No, we’re not kidding!

Best “0% Interest” Card for High Credit Scores

By signing up for the Citi® Diamond Preferred Credit Card®, you can lock in a 0% intro APR for an entire 21 months. Yes, you read that right — 0% APR for almost two years. This can give you plenty of time to pay off large purchases and save big on interest.

CITI® RATING

★★★★
4.0

OVERALL RATING

0.0/5.0
  • Get 0% intro APR on new purchases and balance transfers for 18 months. Balance transfers must be made within the first 4 months of account opening
  • Citi® Price Rewind searches for lower prices online for 60 days for your registered purchases
  • $0 liability on unauthorized purchases and Citi® Identity Theft Solutions.
  • Experience great benefits like VIP packages to concerts, sporting events and more with access to Citi® Private Pass®
  • No annual fee
  • Free access to FICO® Scores
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 18 months
0% for 18 months
15.99% - 25.99% (Variable)
$0
Excellent/Good

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.

Best “Balance Transfer” Card for High Credit Scores

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 0%-APR period on transfers and a modest period for new purchases with the Discover it® Balance Transfer card.

Discover it® Balance Transfer Review

at Discover Card'ssecure website

0% BALANCE TRANSFER RATING

★★★★★
5.0

OVERALL RATING

4.9/5.0
  • 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.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 6 months
0% for 18 months
13.49% - 24.49% Variable
$0
Good/Excellent

When it comes to cash back rewards, you can earn 5% cash back on up to $1,500 in purchases at select merchants every quarter. You’ll have to activate the 5% rewards every quarter, but Discover will send you a reminder so you don’t forget.

FAQs About Credit Cards for High Credit Scores

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® Card 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.

The Discover it® Cash Back is a solid choice if you’d like to earn cash back without paying an annual fee. For a 0% interest credit card, the Citi® Diamond Preferred Card® is a great pick as it offers a 0% APR for 21 months.

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.

FICO Credit Score Factors

Your credit mix accounts for 10% of your FICO Score.

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.

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.

American Express Centurion "Black" Card

The Black Card, easily one of the most difficult cards to get, is an invitation-only offering from Amex.

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.

Excellent Credit Opens a World of Financial Opportunities

Looking for a new credit card is exciting when you have a high credit score. Not only are your chances of approval increased, you’ll 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.