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2019's Best Credit Cards for Excellent Credit

Below are our staff picks for 2019's best credit cards for those with an excellent credit rating, which is generally considered a credit score of 750 or higher. Our reviews follow strict editorial guidelines and are updated regularly.

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Review Breakdown: Cards for Excellent Credit

Still looking for your ideal credit card? If you have an excellent credit history, you have a variety of options when it comes to choosing your next card. Below is a simple summary of the top cards for excellent credit. Simply click on the card's name to visit the issuer's official application.

Here are 2019's best credit cards for excellent credit:

Best Credit Cards Excellent Credit
Rank Card Name Feature Regular APR Expert Rating
1 Discover it® Cash Back Excellent Credit 13.99% - 24.99% Variable ★★★★★ 5.0
2 Chase Freedom Unlimited® 1.5% cash back 16.99% - 25.74% Variable ★★★★★ 5.0
3 Capital One® Venture® Rewards Credit Card Excellent Credit 17.99% - 25.24% (Variable) ★★★★★ 5.0
4 Chase Freedom® $150 Bonus 16.99% - 25.74% Variable ★★★★★ 5.0
5 Discover it® Balance Transfer Excellent Credit 13.99% - 24.99% Variable ★★★★★ 4.9
6 Chase Sapphire Reserve® 50,000 bonus points 18.99% - 25.99% Variable ★★★★★ 4.9
7 Discover it® Miles Excellent Credit 13.99% - 24.99% Variable ★★★★★ 4.8
8 Capital One® VentureOne® Rewards Credit Card Excellent Credit 14.24% - 24.24% (Variable) ★★★★★ 4.8
9 Discover it® chrome Excellent Credit 13.99% - 24.99% Variable ★★★★★ 4.8
10 Capital One® Quicksilver® Cash Rewards Credit Card 1.5% cash back 16.24% - 26.24% (Variable) ★★★★★ 4.8
11 Capital One® Spark® Cash Select for Business 1.5% cash back 15.24% - 23.24% (Variable) ★★★★★ 4.8
12 Chase Sapphire Preferred® Card Excellent Credit 17.99% - 24.99% Variable ★★★★★ 4.8
13 Capital One® Savor® Cash Rewards Credit Card Excellent Credit 16.74% - 25.74% (Variable) ★★★★★ 4.8
14 Ink Business Unlimited℠ Credit Card 1.5% cash back 15.24% - 21.24% Variable ★★★★★ 4.8
15 Capital One® SavorOne® Cash Rewards Credit Card Excellent Credit 16.24% - 26.24% (Variable) ★★★★★ 4.8
16 Ink Business Cash℠ Credit Card Excellent Credit 15.24% - 21.24% Variable ★★★★★ 4.8
17 Capital One® Spark® Cash for Business Excellent Credit 19.24% (Variable) ★★★★★ 4.7
18 Capital One® Spark® Miles for Business Excellent Credit 19.24% (Variable) ★★★★★ 4.7
19 Capital One® Spark® Miles Select for Business Excellent Credit 15.24% - 23.24% (Variable) ★★★★★ 4.7
20 HSBC Gold Mastercard® credit card $0 Annual Fee Variable APR of 12.99% - 20.99% will apply after the Introductory Period ★★★★★ 4.5

5 Benefits of an Excellent Credit Rating

Brittney Mayer
By: Brittney Mayer
Finance Contributor
5 Benefits of an Excellent Credit Rating
CardRates.com Guide: Excellent Credit

Nestled in the fine print of every credit card or loan offer will typically be a phrase that goes something like: “Offer subject to credit approval.” For example, those ever-so-tempting car commercials advertising, “$0 down, 0% interest, and $0 due at signing!” aren’t aimed at consumers with so-so credit scores; no, the very best rates, fees, and deals are often reserved for applicants with the very best credit scores.

Although there are various credit scoring models in use, the FICO models are by far the most widely used. Most FICO models use a scale of 300 to 850, with 850 being the best possible score. The higher your score is, the more great deals you can unlock, but the best savings will be had if you have a score above 800 — the threshold for excellent credit. With excellent credit, you'll get a lot of perks, including:

1. The Best Interest Rates on Your Credit Cards

The current credit card market is full of amazing cards offering benefits the likes of which used to be reserved for the wealthiest cardholders, including things like airport lounge access and elite hotel status. But, while available to the public, these top-tier rewards cards aren’t just for anyone — you’ll typically need an excellent credit score to qualify.

2. Increased Credit Limits and Borrowing Capacity

Although most people know that having a high credit score will net you lower interest rates, it’s not as commonly known that excellent credit can also unlock a higher credit limit. And not just for credit cards; a high credit score can result in larger loans for a variety of products, including auto loans and home mortgages.

3. Better Mortgage and Refinancing Rates

When it comes time to buy a home or to refinance the home you’re in, the banks will fall over themselves to make you the best deal possible when you have excellent credit. That’s because they get graded on the average credit rating of their borrowers. With excellent credit ratings scarce, you can bet you’re in high demand.

4. Better Auto Loans

Yep, this is where you get to take advantage of those zero-zero-zero deals. Only the most attractive credit scores get invited to this party. In fact, have a copy of your 800+ credit score with you when you walk into the dealership and ask what kind of deals they have. Prepare to be impressed.

5. Lower Insurance Rates

What does my credit score have to do with how good a driver I am, you ask? The truth is absolutely nothing. But if you have a good driving record and an excellent credit score, you are more likely to receive the preferred rates on car insurance. This is because the insurance company has one more metric by which to judge you a financially responsible person.

There are other benefits to having an excellent credit rating. Any personal or signature loans you need also will have the lowest rates assigned. Similarly, vacation rentals, reservations, and timeshares will come with the best possible benefits and rates. In fact, as more parties use credit scores to gauge your level of responsibility, nearly everything gets better when you have excellent credit.

Editorial Note: Opinions expressed here are author's alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

The information on this page was reviewed for accuracy on .

About the Author

Brittney Mayer Brittney Mayer Finance Contributor

Brittney is a Credit Strategist and Finance Expert who has spent years honing her knowledge of the credit industry both personally and professionally. Brittney applies her more than a decade of research experience to crafting in-depth consumer guides designed to help CardRates readers make better, more informed financial decisions.

Brittney Mayer

Advertiser Disclosure: The credit card offers that appear on this site are from credit card companies from which CardRates.com receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). CardRates.com does not include all credit card companies or all available credit card offers. See the credit card issuer's website for specific terms and conditions of each card.