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Top credit cards for excellent credit of 2022
Having excellent credit (a FICO Score above 799 or a VantageScore above 780) is a big achievement: It shows you've opened accounts responsibly, paid your bills on time and kept your balances low. One of the perks of this high credit rating? You may qualify for a credit card for excellent credit.
These cards come with a slew of benefits and perks to suit every type of cardholder, from the frequent flyer to the savvy shopper seeking cash back to someone looking for a 0% interest deal to knock out a balance on another card.
It's not always easy to find the card that's best for you, so let us help. We looked at cards on ValuePenguin and top issuer sites to choose the cards that offer the most value within certain categories.
Compare the best credit cards for excellent credit of 2022
Chase Sapphire Preferred® Card
|Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.||720 - 850||$95|
Citi® Double Cash Card – 18 month BT offer
|No bonus||660 - 850||$0|
Blue Cash Preferred® Card from American Express
|Earn a $350 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.||660 - 850||$95 See Rates & Fees.|
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Credit Score Needed
Best best credit card for excellent credit overall and for a high credit limit
Chase Sapphire Preferred® Card
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
- Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
- Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases, plus more.
- 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.
- With Pay Yourself BackSM, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
The Chase Sapphire Preferred® Card is one of the top travel cards because of the versatility and value of its rewards. Ultimate Rewards points can be transferred to a variety of airline and hotel partners for great redemption values. The card has an outstanding welcome bonus, making the card a good choice for consumers who want to earn a free flight or hotel stay quickly.
The card will serve regular travelers who don't mind paying a modest annual fee for a solid travel rewards card with plenty of benefits, an excellent welcome bonus and flexible rewards.
- Offers one of the most generous sign-up bonuses available today.
- Earns Chase Ultimate Rewards points, giving you access to one of the most flexible and valuable credit card rewards programs.
- Gives you 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases
- Points are worth 25% more when you redeem on travel through the Chase Ultimate Rewards portal.
- Offers a suite of insurance perks and benefits including primary auto rental insurance, trip and baggage coverage and purchase protection.
- The $95 annual fee is reasonable compared with luxury cards, but may be a negative if you prefer a no-annual-fee card.
- The Chase 5/24 rule, an unofficial rule that can affect your ability to get a Chase card if you've opened too many accounts in the past two years, could prevent you from getting the card.
- The earning rate outside of dining and travel purchases is only 1 point per $1. You may want to pair this with a second Chase Ultimate Rewards card for purchases in other categories.
Best credit card for excellent credit and cash back
Citi® Double Cash Card – 18 month BT offer
- 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 Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 15.49% - 25.49%, based on your creditworthiness.
- If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
- There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
- The standard variable APR for Citi Flex Plan is 15.49% - 25.49%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
The Citi® Double Cash Card – 18 month BT offer is a great option for those who prefer simplicity and want to earn a high rate of cash back on all purchases. This card makes it easy to earn and redeem rewards, with no complicated bonus categories. Cardholders Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. The card is perfect for those who are new to rewards cards or are seeking a good balance transfer card.
The Citi® Double Cash Card – 18 month BT offer doesn't have a sign-up bonus, which could be a plus or a minus depending on your situation. People who don't spend enough to easily meet minimum spending requirements, and those who dislike tracking spending and chasing bonuses, might prefer the ease of the Citi® Double Cash Card – 18 month BT offer.
- $0 annual fee.
- Intro APR of 0% for 18 months on Balance Transfers, then 15.49% - 25.49% (Variable).
- Flexible redemption options include ability to convert cash back into Citi ThankYou points.
- The card offers the same high rate of rewards on every purchase.
- Lacking perks and benefits that come with many credit cards for excellent credit, such as car rental coverage, travel insurance and purchase protection.
- No sign-up bonus means the card's short-term value is not as good as some cards.
Best credit card for excellent credit and groceries
Blue Cash Preferred® Card from American Express
Earn a $350 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
- Earn a $350 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
- Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 plan fees on plans created during the first 12 months after account opening. Plans created after that will have a fixed monthly plan fee up to 1.33% of each purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
- Low intro APR: 0% intro APR for 12 months on purchases from the date of account opening, then a variable rate, 15.49% to 25.49%
- 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
- 6% Cash Back on select U.S. streaming subscriptions.
- 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
- 1% Cash Back on other purchases.
- Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.
- $95 Annual Fee.
- Terms Apply.
The Blue Cash Preferred® Card from American Express is great for foodies, people with large households, or anyone else who spends a lot at the grocery store each month and wants to leverage food purchases into big rewards. The card offers 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%), 6% Cash Back on select U.S. streaming subscriptions, 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more), 1% Cash Back on other purchases. Terms apply. The cash back is awarded in the form of statement credits.
Because the attractive supermarket bonus category only applies to your first $6,000 in U.S. supermarket spending each year, this card might be good for those willing to pair it with another card that has a supermarket bonus category. You could use this card until you hit the annual limit, then switch to the other card for your grocery shopping.
- A generous 6% cash back at U.S. supermarkets and on some streaming services, though these categories have their limits (see Drawbacks below).
- Benefits include car rental insurance, purchase protection and return protection.
- Terms apply.
- The 6% category is limited to your first $6,000 in purchases per year, and after that you get only 1% back.
- Might not be a great option if your spending doesn't align with the bonus categories.
- Terms apply.
Best credit card for excellent credit and luxury
The Platinum Card® from American Express
Earn 100,000 Membership Rewards® Points after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership.
- Earn 100,000 Membership Rewards® points after you spend $6,000 on purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum Card®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
- 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.
- Get $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings, which requires a minimum two-night stay, through American Express Travel when you pay with your Platinum Card®. And if you fly, you can receive up to $200 in statement credits per calendar year after you select a qualifying airline and incidental fees are charged by the airline to your Platinum Card®.
- $240 Digital Entertainment Credit: Get up to $20 back each month on eligible purchases made with your Platinum Card® on one or more of the following: Audible, Disney+, The Disney Bundle, ESPN+, Hulu, Peacock, SiriusXM, and The New York Times. Enrollment required.
- $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership with a statement credit after you pay for Walmart+ each month with your Platinum Card. Cost includes $12.95 plus applicable local sales tax. Plus Ups are excluded.
- American Express has expanded The Centurion® Network to include 40+ Centurion Lounge and Studio locations worldwide. There are even more places your Platinum Card® can get you complimentary entry and exclusive perks.
- $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year in baggage fees and more at one select qualifying airline.
- $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only.
- $300 Equinox Credit: Get up to $25 back each month on the Equinox+ digital fitness app, or eligible Equinox club memberships when you pay with your Platinum Card®. Enrollment required.
- $189 CLEAR® Credit: Use your Card and get up to $189 back per year on your CLEAR® membership. CLEAR® is available at select airports and stadiums.
- $695 annual fee.
- Terms Apply.
The Platinum Card® from American Express is a star among luxury cards for excellent credit. It's great for very frequent travelers and high spenders who want a prestigious card with all the perks and don't mind paying a high annual fee to get these benefits.
Those who make the most of the benefits may find the card pays for itself many times over despite the high annual fee. Those who don't often use the premium benefits like airport lounge access will have to weigh the cost carefully.
- Gets you access to Amex Membership Rewards, with points that can be transferred to 19 airline and three hotel partners.
- Earn 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel on up to $500,000 on these purchases per calendar year and 5X Membership Rewards® points on prepaid hotels booked with American Express Travel. Terms apply.
- Access to over 1,300 airport lounges in more than 140 countries, including exclusive Centurion Lounges.
- Fee credit every four years for Global Entry or TSA Precheck.
- Automatic Gold elite status with both the Hilton Honors and Marriott Bonvoy hotel loyalty programs (enrollment required).
- Insurance perks including car rental insurance and trip delay and cancellation coverage.
- Get up to $200 a year savings (up to $15/month, $20 in December) on U.S. Uber rides and U.S. Uber Eats when you add the card to your Uber app.
- Unlike typical credit cards, the card allows you to carry a balance for certain charges, but not all.
- Terms apply.
- Very high annual fee of $695 a year.
- Travel credits (including the airline fee credit and the Uber credits) come with many restrictions that can make them difficult to use.
- Not a good choice for infrequent travelers or budget-minded consumers.
- Terms apply.
Best credit card for excellent credit and travel
Chase Sapphire Reserve®
New Offer! Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®.
- New Offer: Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®
- $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
- Earn 5x total points on air travel and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
- Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards®. For example, 60,000 points are worth $900 toward travel
- With Pay Yourself BackSM, your points are worth 50% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
- 1:1 point transfer to leading airline and hotel loyalty programs
- Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
The Chase Sapphire Reserve® is the luxury sibling of the Chase Sapphire Preferred® Card. It also offers access to the Chase Ultimate Rewards program and its airline and hotel transfer partners, but has many more benefits and perks at a much higher cost.
The card is good for frequent travelers who want to fly in comfort and style with amenities like airport lounge access and a travel credit that compensates for the high annual fee. This card may be the one for you if you want a high-credit-limit credit card loaded with perks and don't mind paying a big annual fee because you know you'll easily earn it back.
- A $300 annual travel credit offsets the high annual fee.
- Earn 5x points on flights and 10x points on hotels and car rentals through Chase Ultimate Rewards®
- Get 50% more value for your points when you redeem for travel through the Chase Ultimate Rewards portal.
- Get access to more than 1,000 airport lounges around the world with a free Priority Pass Select membership.
- Get a $100 statement credit every four years for Global Entry, NEXUS, or TSA Precheck application fee.
- Robust range of insurance protection covers you for auto rental, lost luggage, trip cancellation and delay, purchase protection and extended warranty.
- The already-high annual fee recently went up to $550, and there's an additional $75 fee for each authorized user.
- The sign-up bonus is lower than that of the Chase Sapphire Preferred® Card, which has a much lower annual fee.
- You can earn the same 3X bonus on dining with two of Chase's no-annual-fee cards — the Chase Freedom Unlimited® and the Chase Freedom Flex℠ — making the Chase Sapphire Reserve®'s high annual fee questionable for all but very frequent travelers.
- The Chase 5/24 rule could potentially prevent you from getting the card.
What is excellent credit?
Excellent credit is a credit score within a range at the top of a credit-scoring model. A credit score is a number lenders use to assess how risky it is to lend you money, including approving you for a credit card.
There are different credit-scoring models from FICO and VantageScore. The scoring model from FICO 8 is most common and is the one used when you apply for a credit card. The top range of credit scores is referred to as "excellent" by VantageScore and "exceptional" by FICO. The next best category is good, followed by fair, poor and very poor. Below, we offer a breakdown of the VantageScore ranges that fall into each category.
In general, excellent credit means having a credit score in the very high 700s or higher, or in the 800s, depending on the scoring model. A credit score this high typically offers access to a variety of top credit cards for excellent credit.
FICO score ranges
FICO score ranges
How to get excellent credit
Credit-scoring models use a variety of factors to determine your credit score. These include: how long you've had credit, how many recent inquiries lenders have made, whether you've paid your bills on time and the types of credit accounts you have in your file.
There are some factors you can't really do anything about, such as the length of credit history. But there's plenty you can do to boost your credit score if you're aiming for excellent credit. The most important factor: make sure you always pay your bills on time. As you can see in the chart below, payment history accounts for 35% of your FICO Score. It also helps to pay down your credit card and loan balances because your debt burden accounts for 30% of your score.
Other ways to boost your score include minimizing the number of credit inquiries on your account. Only apply for credit when you really need it, and avoid applying on a whim, such as at the checkout counter in a retail store. Finally, it helps to have a good mix of types of credit, such as credit cards, a student loan and an auto loan.
How to pick a card for excellent credit
The good news is that having excellent credit may give you access to an array of credit cards for good credit. The downside is that having so many choices can be overwhelming. Here are some questions to ask to narrow down your options and choose a card.
How will you use the card?
The first question that will help you make a decision: How will you use the card? Cards for excellent credit fall into several basic types, and deciding which type suits you best will help you narrow your options. Here are the types of credit cards for excellent credit, and when you might want to consider each one.
Type of credit card
When to consider this type of card
|Balance transfer card||You have a balance on a high-interest card, and you'd like to find a 0% interest balance transfer deal to save money.|
|Low-interest card||You plan to finance a major purchase like an appliance or piece of furniture on your new card and pay it off over time.|
|Cashback credit card||You will pay your balance off in full each month and would prefer to get rewarded for everyday purchases with a cash bonus.|
|Travel credit card||You plan to pay off your balance in full each month, will use your card for travel purchases, and would like to rack up points or miles toward future trips.|
What do you spend the most on?
Both cashback and travel credit cards typically have bonus categories that allow you to earn extra points and miles for spending on certain items. Different cards have different bonus categories, which may include: gas, groceries, dining out and travel. Some cards have rotating bonus categories that change every quarter, and may include Amazon.com purchases, drug stores or home improvement stores. If you have a card with rotating categories, you typically need to activate the bonus category each quarter to get the extra points.
Many rewards cards offer sign-up bonuses that can boost a card's value. A sign-up bonus is a bonus in the form of cash, points or miles that you can earn when you open a card and spend a certain amount on the card in a certain timeframe. As long as you make sure you can comfortably meet the requirement with your normal spending, and you don't rack up a balance and pay interest, a sign-up bonus can essentially pay you to open a card. Some sign-up bonuses are big enough to get you a free flight or hotel stay.
Annual fee vs. no annual fee
An annual fee is a fee you pay each year for having a credit card, and it typically appears as a charge on your card when you reach your account anniversary. Annual fees typically range from less than $100 to $550 or more for luxury cards. Cards with high annual fees generally offer robust perks and benefits designed to offset the annual fee. For example, some luxury travel cards offer a $200 to $300 travel credit that will cancel out some of your annual travel costs. If you prefer not to pay to own a credit card, there are plenty of cards that don't charge an annual fee.
Something else to consider when choosing a card is the other benefits, perks and protections offered by various cards. Many rewards cards for excellent credit offer features such as purchase protection, travel insurance, car rental insurance, concierge services and more. These benefits can help protect the purchases you make with the card, cover you when you travel and just make life easier. It's worth taking time to read the list of benefits in detail and decide which benefits you'd like to have on your card.
How to get approved for a credit card for excellent credit
Want to get a credit card now? Follow this advice to boost your chances of getting approved for a credit card for excellent credit.
- Decide which card is the best fit for you. To compare cards and shop for offers, you may want to look online and review any offers you received from card issuers by email or mail. These offers, known as "targeted offers" because they go to specific consumers may be better or worse than the general offers available online.
- Check your FICO Score before you apply. Credit scores can go up and down from month to month based on various factors, so it's smart to check yours to make sure it falls in the range classified as "excellent."
- If your score falls short of the required rating, one option is to choose a different card.
- If you have your heart set on a particular card that requires excellent credit, but your credit rating falls a bit short, take a little time to improve your score before you apply. The steps will depend on your situation, but something as simple as paying down a balance on another card may boost your score significantly.
- If your score is just barely in the range needed, you may want to consider applying in person at the bank. A banker may help to advocate for you to get approved for a card, especially if you have a relationship with the bank.
What's the highest credit rating?
The highest credit rating varies based on the credit-scoring model, but typically the highest credit score ranges are designated as exceptional or excellent. For example, the highest credit rating for FICO is exceptional (credit scores of 800 to 850) and the highest credit rating from VantageScore is excellent (scores of 781 to 850).
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 credit cards that require good credit. 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 credit-building guide.
What is the best credit card for someone with excellent credit?
Credit cards aren't one-size-fits-all. The best credit card for you will depend on your spending, lifestyle and goals. That's why we always recommend that you compare multiple offers before applying to any card.
Is a 750 credit score good or excellent?
A 750 credit score is typically considered good credit in common scoring models like FICO and VantageScore, though this can vary based on the particular scoring model and type of credit you're seeking. A 750 score is on the higher end of the "good credit" range, so you may be able to qualify for cards that require excellent credit.
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. If you want excellent credit, it's recommended that you keep your utilization rate of lower than 30% and limit the number of new account inquiries.
Which credit cards offer the highest credit limit?
Credit limits vary based on the creditworthiness of the cardholder and other factors, such as income and credit utilization. Luxury credit cards such as the Chase Sapphire Reserve® tend to offer higher credit limits to qualified applicants. Chase Sapphire Reserve® cardholders have reported credit limits of $10,000 and up.
What is the hardest credit card to get?
The Centurion® Card from American Express, sometimes referred to as the Black Card, may be the hardest credit card to get because you need a special invitation from Amex to apply and there's a high financial bar to getting the card. It's been reported the card requires a $7,500 "initiation fee" and a $2,500 annual fee. Even if you don't have that kind of cash, or a special invite from Amex, there are plenty of other cards that may be within your reach.
Recap of the best credit cards for excellent credit of 2022
- Best overall and for a high credit limit: Chase Sapphire Preferred® Card
- Best for cash back: Citi® Double Cash Card – 18 month BT offer
- Best for groceries: Blue Cash Preferred® Card from American Express
- Best for luxury: The Platinum Card® from American Express
- Best for travel: Chase Sapphire Reserve®
To make choosing the right card easier, we've looked at credit cards reviewed on ValuePenguin as well as cards on major issuer sites to compile a list of the best rewards credit cards available right now. Our recommendations are based on the additional value you can earn with the cards — including the rewards value, cost of ownership and value of benefits such as travel and purchase protections, lounge membership and airline companion passes. Our choices are not influenced by our advertisers. Learn more on how we calculate rewards.
The information related to Wells Fargo Propel American Express® card and Centurion® Card from American Express has been independently collected by ValuePenguin and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply to American Express credit card offers. See americanexpress.com for more information.