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The Best Credit Cards for Excellent Credit in 2019

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any credit card issuer.

Individuals with great credit scores have access to top-notch credit card offers. If you’ve worked hard to build up your credit history to this point, you will want to make sure that you use the best potential credit card, and maximize the rewards and perks you earn.

Recommended Cards

Best ForCredit NeededAnnual Fee
Chase Sapphire Preferred® Card
Chase Sapphire Preferred® CardTravelExcellent$95
Citi® Double Cash Card
Citi® Double Cash CardFlat rate cash backExcellent$0
Blue Cash Preferred® Card from American Express
Blue Cash Preferred® Card from American ExpressSupermarketsGood/Excellent$95 (See Rates & Fees)
Chase Sapphire Reserve®
Chase Sapphire Reserve®Luxury ExperienceExcellent$450
Southwest Rapid Rewards® Plus Credit Card
Southwest Rapid Rewards® Plus Credit CardAirline MilesGood/Excellent$69

Continue reading below for a detailed look at the benefits and features of each card. You can also head to our credit card comparison tool at the bottom of the page to see which cards work for your budget and travel goals.

The Best Travel Card for Excellent Credit

On Chase's Secure Website

Chase Sapphire Preferred® Card

On Chase's Secure Website
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
  • Earn 60,000 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®
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 60,000 points are worth $750 toward travel
  • Earn 60,000 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®
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 60,000 points are worth $750 toward travel
Annual Fee
$95
Regular APR
17.74% - 24.74% Variable
Credit Needed
{"onCurrent":true,"message":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions."}
Excellent
Editor's Rating
{"onCurrent":true,"message":"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers."}

The Chase Sapphire Preferred® Card is a favorite of most travelers. The card produces a 2.5% rewards rate when used on dining and travel purchases, and 1.25% on all other spending (2 points per dollar, or 1 point per dollar, multiplied by the 1.25 bonus when redeeming for travel on the Chase portal).

Outstanding Welcome Bonus and Chase Ultimate Rewards

There are two things that make this card standout from the rest – the signup bonus and Ultimate Rewards points. The Chase Sapphire Preferred® Card has one of the best welcome offers of any credit card on the market. If you spend at least $4,000 within the first three months of opening your account, you will be awarded 60,000 bonus Ultimate Reward points, the value of which is $750 when redeemed towards travel through the UR portal.

Redeem Points with Transfer Partners

All the rewards you earn with the Chase Sapphire Preferred® Card are in the form of Chase Ultimate Reward points, which is another major selling point of this card. We estimate them to be worth $0.0125 each when used towards travel, but you can get even more out of them by transferring them to any one of the 10 partnered hotel and airline programs, which includes Southwest Airlines Rapid Rewards®, United MileagePlus®, and Marriott Rewards®.

Runner-Up Travel Card for Excellent Credit

On Capital One's Secure Website

Capital One® Venture® Rewards Credit Card

On Capital One's Secure Website
One-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel
  • Enjoy a one-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel
  • Earn 2X miles on every purchase, every day. Plus earn 10X miles on thousands of hotels, through January 2020; learn more at hotels.com/venture
  • Named ‘The Best Travel Card' by CNBC, 2018
  • Receive up to $100 application fee credit for Global Entry or TSA Pre✓®
  • Fly any airline, stay at any hotel, anytime; no blackout dates. Plus transfer your miles to over 12 leading travel loyalty programs
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • No foreign transaction fees
  • $0 intro annual fee for the first year; $95 after that

Note: The information in this box was provided by Capital One and is not part of our independent analysis.

  • Enjoy a one-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel
  • Earn 2X miles on every purchase, every day. Plus earn 10X miles on thousands of hotels, through January 2020; learn more at hotels.com/venture
  • Named ‘The Best Travel Card' by CNBC, 2018
  • Receive up to $100 application fee credit for Global Entry or TSA Pre✓®
  • Fly any airline, stay at any hotel, anytime; no blackout dates. Plus transfer your miles to over 12 leading travel loyalty programs
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • No foreign transaction fees
  • $0 intro annual fee for the first year; $95 after that
Annual Fee
$0 intro for first year; $95 after that
Regular APR
17.49% - 24.74% (Variable)
Credit Needed
{"onCurrent":true,"message":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions."}
Excellent, Good
Editor's Rating
{"onCurrent":true,"message":"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers."}

Travelers who spend big outside of travel and dining should consider the Capital One® Venture® Rewards Credit Card—one of the most rewarding travel credit cards. The card provides account holders with a fixed 2% rewards rate everywhere they use the card – no matter the vendor. The Venture miles you accumulate with this card are used to pay down travel expense on your card, or can be transferred to travel partners.

50,000 Point Welcome Bonus

The Capital One® Venture® Rewards Credit Card comes with a decent welcome bonus – 50,000 miles are awarded to those who spend $3,000 within the first 3 months of account opening. The bonus is worth approximately $500 in travel statement credit - enough to cover the cost of a round-trip flight between Los Angeles and New York.

Best Flat Rate Cash Back Card for Excellent Credit

On Citi's Secure Website

Citi® Double Cash Card

On Citi's Secure Website
  • Earn cash back twice. 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.
  • Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 15.74% - 25.74% based on your creditworthiness.
  • Click "Apply Now" to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases.
  • Balance Transfers do not earn cash back.
  • The standard variable APR for Citi Flex Plan is 15.74% - 25.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
  • Earn cash back twice. 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.
  • Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 15.74% - 25.74% based on your creditworthiness.
  • Click "Apply Now" to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases.
  • Balance Transfers do not earn cash back.
  • The standard variable APR for Citi Flex Plan is 15.74% - 25.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
Annual Fee
$0
Regular APR
15.74% - 25.74% (Variable)
Credit Needed
{"onCurrent":true,"message":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions."}
Excellent, Good
Editor's Rating
{"onCurrent":true,"message":"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers."}

For those with excellent credit, the Citi® Double Cash Card gives the best all-around rewards. You'll earn 1% cash back at the time of purchase and another 1% when that purchase is paid off. Few other credit cards deliver that kind of high rewards rate at all stores and on all types of purchases.

Flexibility with No Annual Fee

The Citi® Double Cash Card comes with no annual fee, meaning that the rewards earned on the card can be all profit—provided you always pay your bill in full and you don’t miss payments. This is the best card for people whose budget doesn’t conform to one particular credit cards rewards structure.

Runner-Up Cash Back Card for Excellent Credit

On Discover's Secure Website

Discover it® Cash Back

On Discover's Secure Website
Discover will match ALL the cash back you’ve earned at the end of your first year, automatically.
  • 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.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
  • 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.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
Annual Fee
$0
Regular APR
13.74% - 24.74% Variable
Credit Needed
{"onCurrent":true,"message":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions."}
Excellent/Good
Editor's Rating
{"onCurrent":true,"message":"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers."}

The Discover it® Cash Back offers some of the highest cash back rewards—doubly so during the first year of card membership. Normally this credit card gives 5% cash back in bonus categories that rotate throughout the year, up to a maximum of $1,500 in purchases each quarter, each time you activate. All other spending earns 1% cash back. Below, we've included the 5% rotating bonus calendar for 2019.

January-MarchApril-JuneJuly-SeptemberOctober-December
Grocery storesGas stations, Uber & LyftRestaurants and PayPalAmazon.com, Target & Walmart.com

Double Rewards in Your First Year

For new cardmembers, however, all the cash back rewards are doubled their first year - essentially making the rewards at least 2% during that first year. For example, if you open an account February 1, 2017, you will have all the rewards you earned up to February 1, 2018 doubled.

Second Runner-Up Cash Back Card for Excellent Credit

On Chase's Secure Website

Chase Freedom®

On Chase's Secure Website
Earn a $150 Bonus after spending $500 on purchases in your first 3 months from account opening.
  • 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 16.74 - 25.49%.
  • 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
  • Cash Back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back.
  • Free credit score, updated weekly with Credit Journey℠
  • 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 16.74 - 25.49%.
  • 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
  • Cash Back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back.
  • Free credit score, updated weekly with Credit Journey℠
Annual Fee
$0
Regular APR
16.74% - 25.49% Variable
Credit Needed
{"onCurrent":true,"message":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions."}
Excellent
Editor's Rating
{"onCurrent":true,"message":"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers."}

The Chase Freedom® ranks among the top cash back credit cards thanks to solid short-term and long-term value potential. Like the Discover it® card, the Chase Freedom® earns 5% cash back on categories that rotate quarterly, up to a maximum amount of $1,500 in spending.

Activate the Rotating Bonus Categories

The bonus categories have to be activated every 3 months, so you’ll want to make sure you’re paying attention when they do. If you don't opt into the bonus categories, you will earn just 1% cash back. For the first quarter of 2019, the 5% category includes gas stations, tolls and drugstores. The Chase Freedom® also comes with a sign-up bonus—$150 after spending $500 in the first three months.

Best Supermarket Cash Back Card for Excellent Credit

On American Express' Secure Website

Blue Cash Preferred® Card from American Express

On American Express' Secure Website
Earn a $250 statement credit after you spend $1,000 in purchases on your new Card.
  • Earn a $250 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • NEW 6% Cash Back on select U.S. streaming subscriptions.
  • NEW 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more.
  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). 3% Cash Back at U.S. gas stations. 1% Cash Back on other purchases.
  • Over 3 million more places in the U.S. started accepting American Express® Cards in 2017 and 2018.
  • Low intro APR: 0% for 12 months on purchases and balance transfers, then a variable rate, currently 14.74% to 25.74%
  • $95 annual fee.
  • Terms Apply.
  • Earn a $250 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • NEW 6% Cash Back on select U.S. streaming subscriptions.
  • NEW 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more.
  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). 3% Cash Back at U.S. gas stations. 1% Cash Back on other purchases.
  • Over 3 million more places in the U.S. started accepting American Express® Cards in 2017 and 2018.
  • Low intro APR: 0% for 12 months on purchases and balance transfers, then a variable rate, currently 14.74% to 25.74%
  • $95 annual fee.
  • Terms Apply.
Annual Fee
$95
Regular APR
14.74%-25.74% Variable
Credit Needed
{"onCurrent":true,"message":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions."}
Editor's Rating
{"onCurrent":true,"message":"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers."}

There are few cards that can beat the high cash back rates offered by the Blue Cash Preferred® Card from American Express for the typical household budget. The Blue Cash Preferred® Card from American Express earns users an excellent 6% cash back at U.S. supermarkets. While that's limited to $6,000 per year in purchases (earning you 1% back after), that's good enough for $360 back every year if you hit the $6,000 spending mark.

Worth the Annual Fee for Gas and Supermarket Spending

The card comes with a $95 annual fee (See Rates & Fees), but it can be one of the better cards that's available to those with excellent credit if you spend heavily at U.S. gas stations,U.S. supermarkets, streaming services, and transit. It also awards cardholders with a $250 statement credit if they spend $1,000 in purchases on the card within the first three months. That statement credit can help offset the card's annual fee for two years.

For rates and fees of the Blue Cash Preferred® Card from American Express, please click here.

Best Luxury Travel Card For Excellent Credit

On Chase's Secure Website

Chase Sapphire Reserve®

On Chase's Secure Website
50,000 bonus points when you spend $4,000 in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • 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
  • Access to 1,000+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select
  • Up to $100 application fee credit for Global Entry or TSA Pre✓®
  • 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
  • Access to 1,000+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select
  • Up to $100 application fee credit for Global Entry or TSA Pre✓®
Annual Fee
$450
Regular APR
18.74% - 25.74% Variable
Credit Needed
{"onCurrent":true,"message":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions."}
Excellent
Editor's Rating
{"onCurrent":true,"message":"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers."}

If you’re looking for a card with a long list of perks and features that’ll make your life easier, there are few cards—if any—that’ll come close to matching the benefits that the Chase Sapphire Reserve® offers. While the card has a $450 annual fee, anyone who takes advantage of the Annual Travel Credit, lounge access, and application fee credit for Global Entry or TSA Pre✓ can easily breakeven.

Part of the Chase Ultimate Rewards Program

The card gives users access to Chase Ultimate Rewards, which is one of the best rewards programs around. The value of one point earned with this card has the potential to be worth $0.015 when utilizing the 50% bonus for redeeming for travel through Chase Ultimate Rewards. This means that the cards sign up bonus can be worth $750. Points can also be transferred to the card’s participating partners:

Luxury Travel Perks

Beyond high rewards, the cards plethora of perks allow cardholders to enjoy a seamless travel experience. The card offers complimentary airport lounge access, trip interruption insurance, baggage delay insurance, and more. If you’re interested in a specific travel perk, this card has it.

Runner-Up Luxury Card for Excellent Credit

On American Express' Secure Website

The Platinum Card® from American Express

On American Express' Secure Website
Earn 60,000 points after you spend $5,000 on purchases on your new card in your first 3 months.
  • Earn 60,000 Membership Rewards® points after you use your new Card to make $5,000 in purchases in your first 3 months.
  • Enjoy Uber VIP status and free rides in the U.S. up to $15 each month, plus a bonus $20 in December. That can be up to $200 in annual Uber savings.
  • 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel.
  • 5X Membership Rewards points on prepaid hotels booked on amextravel.com.
  • Enjoy access to the Global Lounge Collection, the only credit card airport lounge access program that includes proprietary lounge locations around the world.
  • Receive complimentary benefits with an average total value of $550 with Fine Hotels & Resorts. Learn More.
  • $200 Airline Fee Credit, up to $200 per calendar year in baggage fees and more at one qualifying airline.
  • Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue on your Platinum Card®. Enrollment required.
  • $550 annual fee.
  • Terms Apply.
  • Earn 60,000 Membership Rewards® points after you use your new Card to make $5,000 in purchases in your first 3 months.
  • Enjoy Uber VIP status and free rides in the U.S. up to $15 each month, plus a bonus $20 in December. That can be up to $200 in annual Uber savings.
  • 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel.
  • 5X Membership Rewards points on prepaid hotels booked on amextravel.com.
  • Enjoy access to the Global Lounge Collection, the only credit card airport lounge access program that includes proprietary lounge locations around the world.
  • Receive complimentary benefits with an average total value of $550 with Fine Hotels & Resorts. Learn More.
  • $200 Airline Fee Credit, up to $200 per calendar year in baggage fees and more at one qualifying airline.
  • Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue on your Platinum Card®. Enrollment required.
  • $550 annual fee.
  • Terms Apply.
Annual Fee
$550
Regular APR
N/A
Credit Needed
{"onCurrent":true,"message":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions."}
Editor's Rating
{"onCurrent":true,"message":"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers."}

The Platinum Card® from American Express is one of the premier credit cards for people who love premium perks. The card grants users Uber VIP status and free rides in the United States up to $15 per month. Users are also eligible for a $20 Uber ride bonus in the month of December. On top of that, users get access to the Amex Centurion lounge locations, which are often touted as the best airline lounges. Centurion lounges often have places for travelers to shower and even offer complimentary beverages. They are some of the best spots to relax before an upcoming flight.

Earn American Express Membership Rewards

Beyond luxury perks, The Platinum Card® from American Express also packs a punch when it comes to earning users American Express membership reward points. Cardholders are eligible to earn 5x points on flights booked directly through airlines or with Amex travel and 5x points on prepaid hotels (again booked on Amex travel). All other purchases net users 1x point per dollar spent. Currently, users can also earn a 60,000 point welcome offer as long as they spend $5,000 on purchases within the first 3 months.

For rates and fees of The Platinum Card® from American Express, please click here.

Best Airline Miles Card for Excellent Credit

On Chase's Secure Website

Southwest Rapid Rewards® Plus Credit Card

On Chase's Secure Website
Earn 40,000 points after you spend $1,000 on purchases in the first 3 months your account is open.
  • Earn 40,000 points after you spend $1,000 on purchases in the first 3 months your account is open.
  • 3,000 bonus points after your Cardmember anniversary.
  • 2 points per $1 spent on Southwest® purchases and Rapid Rewards® hotel and car rental partner purchases.
  • 1 point per $1 spent on all other purchases.
  • All points earned count towards Companion Pass.
  • No blackout dates or seat restrictions.
  • Redeem your points for flights, hotel stays, gift cards, access to events, and more.
  • Earn 40,000 points after you spend $1,000 on purchases in the first 3 months your account is open.
  • 3,000 bonus points after your Cardmember anniversary.
  • 2 points per $1 spent on Southwest® purchases and Rapid Rewards® hotel and car rental partner purchases.
  • 1 point per $1 spent on all other purchases.
  • All points earned count towards Companion Pass.
  • No blackout dates or seat restrictions.
  • Redeem your points for flights, hotel stays, gift cards, access to events, and more.
Annual Fee
$69
Regular APR
17.74% - 24.74% Variable
Credit Needed
{"onCurrent":true,"message":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions."}
Excellent
Editor's Rating
{"onCurrent":true,"message":"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers."}

The Southwest Rapid Rewards® Plus Credit Card is one of the best airline mile credit cards to have if you are a domestic traveler. The card is co-branded with Southwest Airlines, which flies to about 100 destinations across the United States. On top of all the miles you earn by using the Southwest Rapid Rewards® Plus Credit Card for day-to-day purchases, you'll receive 3,000 bonus points each cardmember anniversary.

Excellent Sign-Up Offer

Currently, the Southwest Rapid Rewards® Plus Credit Card is offering applicants the opportunity to earn 40,000 Rapid Rewards points after they spend $1,000 on purchases in the first three months.

Compare Credit Cards For People with Excellent Credit

Choosing the right credit card typically comes down to how and where you shop. People with the best credit scores should, therefore, use the tool below to be matched with the right credit card for them. Once you enter your estimated monthly budget, the calculator will order the difference credit card options from most to least valuable – based on the value of rewards earned net any annual fee.

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Assumptions based on $1,430 monthly spend
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{"cardCategory":"rewards","cardIds":"196,12,251,1095,204,163,35,8,65","initialResultsLimit":0,"endpoint":"https:\/\/creditcards.valuepenguin.com\/api\/creditcards\/models\/rewards","onCurrent":"true"}

Frequently Asked Questions

What credit cards can you get with a 700 credit score?

A 700 credit score is considered somewhere between good and excellent credit. Within this range you'd be a competitive applicant for most credit cards. If you'd like to improve your credit score in order to bolster your odds of nabbing a premium credit card we recommend you check out our guide on how to do just that.

What is the best credit card for someone with excellent credit?

The reality is that credit cards aren't one size fits all. The best credit card will depend on your spending and lifestyle. That's why we always recommend that shoppers compare multiple offers before applying to any single card. You can utilize our custom built credit card comparison tool above to see which card is best based on your own spending.

Which credit card offers the highest credit limit?

While some credit cards offer higher credit limits than others, often times credit limits will vary by applicant. If you're only interested in credit cards with high limits, we recommend you check out our roundup of the best high limit credit cards.

Is a 750 credit score good or excellent?

A 750 credit score is typically considered excellent, though this can depend on the bureau you're using and how a particular bank evaluates credit factors. Your actual score is just one component of how banks make lending decisions. However, a 750 credit score should qualify you for most of the cards on this list.

How many credit cards should you have for excellent credit?

The number of open accounts you have is only one factor in determining your credit score. Other factors that influence your score include recent account inquiries, credit utilization ratio (how much of your limits you're using), length of your credit history and the variety of loan products you have. People with excellent credit scores maintain a utilization rate of lower than 30% and limit their number of new account inquiries.

Joe Resendiz

Joe Resendiz is a former investment banking analyst for Goldman Sachs, where he covered public sector and infrastructure financing. During his time on Wall Street, Joe worked closely with the debt capital markets team, which allowed him to gain unique insights into the credit market. Joe is currently a research analyst who covers credit cards and the payments industry. He earned a bachelor’s degree from the University of Texas at Austin, where he majored in finance.

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How We Calculate Rewards: ValuePenguin calculates the value of rewards by estimating the dollar value of any points, miles or bonuses earned using the card less any associated annual fees. These estimates here are ValuePenguin's alone, not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

Example of how we calculate the rewards rates: When redeemed for travel through Ultimate Rewards, Chase Sapphire Preferred points are worth $0.0125 each. The card awards 2 points on travel and dining and 1 point on everything else. Therefore, we say the card has a 2.5% rewards rate on dining and travel (2 x $0.0125) and a 1.25% rewards rate on everything else (1 x $0.0125).