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If you have a good to excellent credit score, you are in a good spot for getting one of the top credit cards available. You can get the most value out of having a high credit score by using it when there is a great sign-up bonus or other perks valuable perks. Many credit cards offer things like cash back, travel rewards, multiple redemption options that work when traveling or staying home, and/or discounts on popular services. The best credit cards for excellent credit usually come with some of the most valuable credit card offers and flexible rewards that can be used in 2023 and beyond.
While some of the top credit cards for excellent credit also come with a high annual fee, note that the benefits are often worth more than the annual fee. The pandemic brought new partnerships between banks and brands, offering consumers new ways to get more value on everyday spending. So what are the best credit cards for people with good credit scores?
Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.
Best Credit Cards for Excellent Credit
Here are this year’s best credit cards for excellent credit. Use this table to jump to a specific card.
- Chase Sapphire Preferred® Card
- Capital One Venture Rewards Credit Card
- The Capital One Savor Cash Rewards Credit Card
- The Platinum Card® from American Express
- Chase Sapphire Reserve®
- Marriott Bonvoy Brilliant® American Express® Card
- Delta SkyMiles® Platinum American Express Card
- Ink Business Preferred® Credit Card
- Citi® Double Cash Card
By most standards, a 740 credit score is considered the beginning of having “excellent credit.” Your approval odds for most cards will be high, although, you will have better odds with a score above 800 as it’s closer to a perfect credit score (850 is considered perfect). If you aren’t sure what your credit score is, these are a few of the best places to get a free credit score check.
The following 9 best credit cards for excellent credit in 2023 can help you reap the most rewards for having the diligence to build excellent credit. Note that many of the cards listed below also have added bonus categories or points/miles earning abilities during the coronavirus pandemic.
Chase Sapphire Preferred Card
It’s hard not to like the Chase Sapphire Preferred® Card. It has flexible point redemption options, including a 25% travel redemption bonus and 1:1 airline and hotel transfer partners.
New Chase Sapphire Preferred® Card cardholders can earn 60,000 bonus points after spending $4,000 on purchases in the first 3 months from account opening. That’s $750 when redeemed through Chase Ultimate Rewards®. Member FDIC
The annual fee is only $95.
With the Chase Sapphire Preferred, you will earn:
- 5x points on travel purchased through Chase Ultimate Rewards® (excluding hotel purchases that qualify for the $50 Anniversary Hotel Credit)
- 3x points on dining (including eligible delivery services, takeout, and dining out)
- 3x points on online grocery purchases (excluding Target®, Walmart®, and wholesale clubs)
- Also 3x points on select streaming services
- 2x points on all other travel purchases
- 1x point per $1 spent on all non-bonus purchases
There is a $50 annual Ultimate Rewards Hotel Credit. It comes in the form of a statement credit that will automatically be applied to your account when your card is used for hotel accommodation purchases made through the Ultimate Rewards program, up to an annual maximum accumulation of $50.
Plus, on each account anniversary, you’ll earn bonus points equal to 10% of your total purchases made the previous year. So, if you spend $25,000 on purchases, you’ll get 2,500 bonus points.
Additional Sapphire Benefits
In addition to the many Sapphire Preferred benefits, members also earn a 10% anniversary point bonus (receive 10% of the points you earn each year at your next card anniversary).
Having your points worth 1.25 cents each when booking travel through Chase makes them worth more than most credit card rewards points. But you might find more value from the 1:1 transfer partners like Southwest Airlines, United Airlines, British Airways, and World of Hyatt where you can usually redeem your points for 2 cents each or more.
These perks make the Sapphire Preferred one of the best travel credit cards to have in your wallet.
Capital One Venture Rewards Credit Card – 2x Miles on Spending
If you prefer a flat-rate rewards card, the Capital One Venture Rewards Credit Card is flexible. All purchases earn unlimited 2x miles per $1 spent. However, earn 5x miles on hotels and rental cars booked through Capital One Travel. Plus, Venture cardholders will earn 5x miles when booking through the Turo app or on Turo.com (through May 16, 2023).
You can redeem your miles for 1 cent each for travel statement credits without a minimum redemption requirement. You can also use them to book award flights or transfer them to airline loyalty programs.
Another card benefit you might enjoy is the Global Entry or TSA PreCheck application fee credit, up to $100.
The annual fee is $95. You can review our comparison of the Capital One Venture vs Chase Sapphire Preferred if you want to compare rewards.
Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel, with the Capital One Venture Rewards Credit Card.
Bonus: Capital One Venture X Rewards Credit Card
The Capital One Venture X Rewards Credit Card earns up to 10x miles, comes with lounge access, a fee credit of up to $100 for Global Entry or TSA PreCheck, 10,000 bonus miles on your card anniversary, and more.
Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel, with the Capital One Venture X Rewards Credit Card.
Capital One Savor Cash Rewards Credit Card
The information for the Capital One Savor Cash Rewards Credit Card has been collected independently by Johnny Jet. The card details on this page have not been reviewed or provided by the card issuer.
Maximizing your dining and entertainment purchases can be easiest with the Capital One Savor Cash Rewards Credit Card. You can earn an unlimited:
- 4% back on dining, entertainment, and select popular streaming services
- 3% back at grocery stores (excluding superstores like Walmart and Target)
- 1% back on all non-bonus purchases
New card members can get a $300 bonus cash by spending $3,000 in the first 3 months. The annual fee is $95. Like other Capital One credit cards, there isn’t a foreign transaction fee with the Capital One Savor Cash Rewards Credit Card.
The Platinum Card from American Express
The Platinum Card® from American Express is a perennial top contender for being the best premium travel rewards credit card. You may prefer the Platinum Card if you are a frequent flyer and like complimentary travel benefits including airport lounge access (enrollment required) and up to $200 annually in air travel statement credits for incidental fees at one qualifying airline (in the form of a statement credit; enrollment required). Cardholders also get hotel benefits including upgraded Marriott Bonvoy Gold Elite and Hilton Honors Platinum status (enrollment required).
Plus, Amex Platinum cardholders earn 5x Membership Rewards® Points for flights booked directly with airlines or with American Express Travel, up to $500,000 on these purchases per calendar year, and earn 5x Membership Rewards® points on prepaid hotels booked with American Express Travel.
This can be one of the best hotel credit cards.
Cardholders can get $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when they pay with your Platinum Card®.
Also, select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Card.
Plus, American Express has expanded The Centurion® Network to include 40+ Centurion Lounge and Studio locations worldwide. Now there are even more places your Platinum Card® can get you complimentary entry and exclusive perks.
The Platinum Card Benefits
There’s also a digital entertainment credit, making this card one of the best for streaming services. Cardholders can get up to $20 in statement credits each month when they pay for eligible purchases with the Platinum Card® at your choice of one or more of the following providers: Peacock, Audible, SiriusXM, The New York Times, and other participating providers. Enrollment required.
In addition to enjoying TSA PreCheck or Global Entry access, cardholders can also enjoy CLEAR perks. Breeze through security with CLEAR® Plus at 45+ airports nationwide and get up to $189 back per year on your membership (subject to auto-renewal) when you use your Card.
Another exciting benefit is the ability for cardholders to get up to $300 back each year on an Equinox+ subscription or any Equinox club membership when they pay with their Platinum Card. Enrollment required. Learn more.
Plus, get a $155 Walmart+ credit, which covers the cost of a $12.95 monthly Walmart+ membership with a statement credit after you pay for Walmart+ each month with your Platinum Card. The cost includes $12.95 plus applicable local sales tax.
Get the full details and learn more in our in-depth The Platinum Card from American Express review.
The annual fee is $695 (See Rates & Fees) but can be offset with the perks, which are valued at over $1,400.
Welcome Bonus Offer
New The Platinum Card® from American Express cardmembers can earn 80,000 Membership Rewards® points after spending $6,000 on purchases on their new Card in the first 6 months of Card Membership.
Learn more: Johnny Jet Recommended Credit Cards
Chase Sapphire Reserve
Many consider Chase Ultimate Rewards points as the most valuable credit card rewards points. The Chase Sapphire Reserve® is the most benefit-rich Ultimate Rewards credit card. You have a 50% travel redemption bonus and the 1:1 Chase Ultimate Rewards transfer partners.
The reason to get the Sapphire Reserve over the Sapphire Preferred is the annual $300 travel credit, Global Entry or TSA PreCheck fee credit, and Priority Pass Select lounge membership.
Cardholders can earn unlimited:
- 10x total points on hotels and car rental purchases through Chase Ultimate Rewards (after the first $300 is spent on travel purchases annually)
- 10x total points on Chase Dining purchases with Ultimate Rewards
- 5x total points on flights when you purchase travel through Chase Ultimate Rewards (after the first $300 is spent on travel purchases annually)
- 3x points on other travel worldwide (after the first $300 is spent on travel purchases annually)
- 3x points on other dining at restaurants, including eligible delivery services, takeout, and dining out
- 1x points for all remaining purchases
You will not receive rewards points on your first $300 in annual travel purchases as the annual travel statement credit reimburses these purchases.
Additional Reserve Benefits
Two new benefits include:
- Reserved by Sapphire: Exclusive dining reservations at luxury restaurants in the U.S.
- Chase Sapphire Lounge by The Club: Complimentary airport lounge locations across the world
The opening dates for the lounge benefits are not announced yet.
New Chase Sapphire Reserve® cardholders can earn 60,000 bonus points after spending $4,000 on purchases in the first 3 months from account opening. That’s $900 toward travel when redeemed through Chase Ultimate Rewards®.
The annual fee is $550, but the benefits can help justify the cost. You will need an excellent credit score for this card.
Marriott Bonvoy Brilliant American Express Card
The premium Marriott Bonvoy Brilliant American Express Card is one of the most valuable options.
The premium Marriott Bonvoy Brilliant® American Express® Card is one of the best Marriott credit cards.
Each card renewal year, get up to $300 in statement credits per calendar year (up to $25 per month) for eligible purchases at restaurants worldwide.
Other featured benefits include 1 Free Night Award (redemption level at or under 85,000 points) annually after your card renewal month at participating Marriott Bonvoy properties. Note that some hotels have resort fees. Plus, up to $100 property credit for qualifying charges at The Ritz-Carlton® or St. Regis® when you book direct using a special rate for a two-night minimum stay using your Card. Also, enjoy complimentary Priority Pass Select airport lounge access.
Additionally, cardholders can enjoy a fee credit for TSA PreCheck or Global Entry, up to $800 in cellphone protection, and 25 Elite Night Credits toward the next level of Marriott Bonvoy Elite status (terms apply).
- 6x points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy program
- 3x points at restaurants worldwide
- 3x points on flights booked directly with airlines
- 2x points on all other eligible purchases
Marriott Bonvoy Platinum Elite members earn 50% more points on eligible purchases at participating hotels for each U.S. dollar (or the currency equivalent) that is incurred and paid for by the member.
Although this card has a $650 annual fee and no foreign transaction fees (See Rates & Fees), it has plenty of benefits that are worth a lot more.
Each calendar year after spending $60,000 on eligible purchases, Card Members are eligible to select an Earned Choice Award benefit. Benefit options include Five (5) Suite Night Awards, an 85K Free Night Award, and a mattress and box spring $1,000 discount from Marriott Bonvoy Boutiques. Certain hotels have resort fees.
New Marriott Bonvoy Brilliant® American Express® Card cardholders can earn 95,000 Marriott Bonvoy bonus points after using their new Card to make $5,000 in purchases on the Card within the first 3 months.
Learn more: Hotel Rewards Credit Cards
Delta SkyMiles Platinum American Express Card
The Delta SkyMiles® Platinum American Express Card is a benefit-rich miles credit card. It’s not only a good option if you fly Delta regularly but also because you can earn a great welcome bonus.
New Delta SkyMiles® Platinum American Express Card cardholders can earn 50,000 bonus miles after spending $3,000 in purchases on their new Card in their first 6 months.
Additionally, get access to Delta Sky Club® at a rate of $50 per person per visit for you and up to two guests when traveling on a Delta flight.
Plus, earn up to 20,000 Medallion® Qualification Miles (MQMs) with Status Boost® per year. After you spend $25,000 in purchases on your Card in a calendar year, you can earn 10,000 MQMs up to two times per year, getting you closer to Medallion® Status. MQMs are used to determine Medallion® Status and are different than miles you earn toward flights.
The annual fee is $250 (See Rates & Fees).
A Domestic Main Cabin round-trip companion certificate is also yours annually upon the renewal of your card. However, payment of the government-imposed taxes and fees of no more than $75 for roundtrip domestic flights (for itineraries with up to four flight segments) is required. Baggage charges and other restrictions apply. See terms and conditions for details.
You also earn:
- 3x Miles on Delta purchases and purchases made directly with hotels
- 2x Miles at restaurants worldwide, plus takeout and delivery in the U.S. and at U.S. supermarkets
- 1x Miles on all other eligible purchases
Plus, enjoy your first checked bag free on Delta flights plus Main Cabin 1 Priority Boarding.
Learn more: Airline Credit Cards
Ink Business Preferred Credit Card
Maybe you are needing a business credit card. If so, you may want to check out the Ink Business Preferred® Credit Card as it is one of the best. However, one of the deciding factors is having good to excellent credit. This is the business version of the Sapphire Preferred, as it has the same annual fee, 25% travel redemption bonus, and 1:1 point transfer partners.
Where the Ink Business Preferred Credit Card differs is how it earns purchase rewards. You will earn 3x points on the first $150,000 spent on combined spending for:
- Internet, phone, and cable services
- Advertising on social media and search engines
The Ink Business also carries the distinction of having the largest ongoing signup bonus of 100,000 bonus Ultimate Rewards points. New card members qualify after spending $15,000 in the first 3 months. All of these business perks make this one of the best credit cards for excellent credit.
Cardholders can redeem points for cash back, gift cards, travel, and more. Plus, points are worth 25% more when redeemed for travel through Chase Ultimate Rewards. Points don’t expire as long as the account is open.
Additionally, cardholders get fraud protection and zero liability. Purchase protection covers new purchases for 120 days against damage or theft, up to $10,000 per claim and $50,000 per account.
Citi Double Cash Card
Sometimes, you appreciate the simplicity of earning cash rewards. The Citi® Double Cash Card earns up to 2% cashback on every purchase. Cardholders earn 1% back when they buy, plus an additional 1% back when they pay. There is no limit to how much cardholders can earn. To earn cash back, pay at least the minimum due on time.
While the Double Cash has no annual fee, it has a 3% foreign transaction fee, which doesn’t make this card ideal when traveling abroad. Still, it is one of the best credit cards for good to excellent credit. While stateside, it earns for each purchase you make.
Summary of Best Credit Cards for Excellent Credit
In conclusion, having excellent credit lets you qualify for some of the most valuable and exclusive credit cards. Once you decide which benefits and purchase rewards maximize your spending habits, it’s time to enjoy the fruits that other credit cards don’t offer. Which of these best credit cards for excellent credit do you prefer?
- Cash Back vs Travel Rewards Credit Cards
- Is Now a Good Time To Apply For An Airline Credit Card?
- Best Credit Cards for Dining and Restaurants
- Credit Cards With No Foreign Transaction Fees
For rates and fees of The Platinum Card® from American Express, please click here.
For rates and fees of the Marriott Bonvoy Brilliant® American Express® Card, please click here.
To learn more about the rates and fees of the Delta SkyMiles® Platinum American Express Card, please click here.