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Updated December 1, 2016

Credit Card Deals for People with Excellent Credit

Credit Cards You Should Not Ignore If You Have Great Credit
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If you have excellent credit, now is the time to take advantage of it.

Credit card companies are competing for those with excellent credit. In fact, they have impressive offers specifically for people with great credit scores.

What does this mean for you? You have your pick among benefits such as cashback and travel rewards, 0% intro APRs, no-fee balance transfers, and other perks.

If you're smart (which presumably you are, if you've managed to handle your credit responsibly thus far), you can get money-saving rewards and benefits with a new card.

Read on for brilliant credit cards for those with excellent credit.

Credit Cards to Consider If You Have Excellent Credit

To those with great credit, these credit card deals are just for you.

Hot Deal: Earn 50,000 Bonus Points

Chase Sapphire Preferred
Apply for Chase Sapphire Preferred Card
Chase Sapphire Preferred offers one of the largest sign up bonus we've seen. You can earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®. You can also earn 5,000 bonus points after you add the first authorized user and make a purchase in the first three months.

Imagine what you would do with $625? A flight to Las Vegas? A weekend hotel stay in New York?

This card is made for people who like to travel:

  • You’ll earn 2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases worldwide.

  • There is a $0 foreign transaction fee.

  • You can transfer points at 1:1 to a leading frequent travel program such as United MileagePlus and Marriott Rewards.

    1:1 point transfer means 1,000 Chase Ultimate Rewards points equal 1,000 partner miles/points.

    Airline partners include Southwest, British Airways, Korean Air, Virgin Atlantic, United, and Singapore Airlines. Hotel transfer partners include Marriott, Hyatt, IHG, and the Ritz-Carlton.

  • You get premium travel and purchase protection benefits including trip cancellation/trip interruption insurance, auto rental collision damage waiver, and purchase protection.

Keep in mind:

  • There is an annual fee ($0 intro annual fee for the first year, then $95). Even though there is a tempting 50,000 bonus point offer on the table, the annual fee may be hard to swallow for some users.

    Our suggestion: if you like to travel, then consider the Chase Sapphire Preferred.

    Otherwise, consider a no annual fee credit card instead.

To learn more, read our Chase Sapphire Preferred Review or visit Chase's secure website to apply now.

Cash Back

Want to get something in return for those trips to the grocery store and gas station?

Blue Cash Preferred
Apply for Blue Cash Preferred Card from American Express
Blue Cash Preferred from American Express (a CreditDonkey partner) lets cardholders earn 6% cash back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). You also get 3% cash back at U.S. gas stations and select U.S. department stores (like Macy's, Nordstrom, Kohl's, and Sears) and 1% on other purchases.

As if that's not enough, new Blue Cash Preferred cardholders receive $200 statement credit after making $1,000 in purchases with the card in the first 3 months.

What is $200 worth to you? A new cell phone for yourself? A new tablet for the family?

Keep in mind:

  • There is a $95 annual fee. Our suggestion: the Blue Cash Preferred is good for folks who spend at least $61 a week on groceries at U.S. supermarkets. Otherwise, consider a credit card with no annual fee instead (such as the Blue Cash Everyday, which has no annual fee but a lower cash back rewards rate).

  • Rewards credit cards (such as the Blue Cash Preferred) are good for folks who pay off their entire balance each month. If you have credit card debt, consider a low interest credit card instead.

To learn more, read our Blue Cash Preferred Review or visit American Express' secure website to apply now.

Balance Transfer: Save Money with Low Interest Rates

Look, we get it. Sometimes you cannot pay off your entire balance each month.

But that does not mean you should pay a FORTUNE in interest charges.

Here is a credit card with a surprisingly low interest rate:

BankAmericard offers a $0 introductory balance transfer fee for transfers made within the first 60 days of opening your account. After that, the balance transfer fee is 3% ($10 minimum). This card has a 0% intro APR for 15 months on purchases and balance transfers (made within 60 days of opening your account). After that, a variable APR of 13.24% - 23.24%. There is no annual fee.

Travel Rewards

Barclaycard Arrival Plus
Apply for Barclaycard Arrival Plus World Elite Mastercard
Barclaycard Arrival Plus lets you earn 40,000 bonus miles (worth $400 travel statement credit) after you spend $3,000 on purchases in the first 90 days. It has no foreign transaction fee, which is a plus if you tend to travel overseas.

Best of all, cardholders earn 2X miles on all purchases.

It's easy to use your miles. You can redeem miles for a statement credit toward travel purchases such as flights, hotels, and car rentals. This includes any airline purchase to any destination, with no blackout dates.

Why this card may not be for you: Big rewards usually come with an annual fee and this card will charge you $89 every year just to have it. Still, the annual fee is waived for the first year.

Airline Miles

Gold Delta SkyMiles
Apply for Gold Delta SkyMiles Credit Card from American Express
Do you spend over $334 per month on your credit card? Do you like to fly Delta? If so, consider the Gold Delta SkyMiles Credit Card from American Express, a CreditDonkey partner.

Gold Delta SkyMiles offers 30,000 bonus miles if you spend $1,000 on purchases within the first 3 months of opening your new account. In addition, you can earn a $50 statement credit after you make a Delta purchase with your new card within the first 3 months. This card earns airline miles: 2 miles on every dollar spent on purchases made directly with Delta. Earn 1 mile for every eligible dollar spent on purchases. There is a $95 annual fee ($0 introductory annual fee for the first year).

If you fly Delta, here's what you should know: you can check your first bag free on every Delta flight with this card - that is a savings of up to $200 per round trip for a family of 4. Plus, you can enjoy Priority Boarding. Terms apply.

You can redeem miles toward award travel. One way award tickets start at 10,000 miles (plus taxes and fees) for travel within and between the Continental U.S., Alaska and Canada.

Is the $95 annual fee ($0 introductory annual fee for the first year) worth it? It depends. For instance, the card allows you to check your first bag free on every Delta flight -- that is a potential savings of up to $200 per round trip for a family of four.

To learn more, visit American Express' secure website.

Hotel Points

Starwood Preferred Guest
Apply for Starwood Preferred Guest Credit Card from American Express
Do you like airline miles and hotel points? If so, here is why we like the Starwood Preferred Guest Credit Card from American Express, a CreditDonkey Partner:

  • You earn Starpoints. You can redeem Starpoints at over 1,300 hotels and resorts in over 100 countries (with no blackout dates).

  • But here is the kicker. Instead of redeeming points for hotels, you can transfer Starpoints to airline transfer partners.

    Many are on a 1:1 basis such as:

    • American Airlines,
    • Delta Airlines,
    • Alaska Airlines,
    • Hawaiian Airlines,
    • British Airways,
    • Air Canada,
    • Aeromexico,
    • Emirates,
    • Virgin Atlantic,
    • Qatar Airways,
    • Korean Air,
    • Asiana Airlines,
    • Jet Airways,
    • Air China,
    • Air Berlin,
    • Japan Airlines,
    • Hainan Airlines,
    • Thai Airways,
    • China Southern Airlines,
    • Korean Airlines,
    • Miles and More,
    • All Nippon Airways,
    • and China Eastern Airlines.

  • But there's more. You get 5,000 bonus Starpoints per 20,000 Starpoints transferred to an airline transfer partner (in a single transaction).

Keep in mind:

  • $95 annual fee ($0 introductory annual fee for the first year)

Who do we recommend this credit card for?:

  • Travelers who like to stay at Starwood hotels such as Sheraton, Westin, St Regis, W Hotels, Le Meridien, Element, Loft, or Four Points.

  • Travelers who like to fly American Airlines or any of their 1:1 airline transfer partners.

    Why? Because unlike most airline credit cards that only offer 1 mile per dollar spent, you can effectively earn 25% more with this card — by taking advantage of the 5,000 bonus Starpoints whenever you transfer 20,000 points to an airline transfer partner.

Apply now and earn 25,000 bonus Starpoints after you make $3,000 in purchases within the first 3 months on your new card.

What can you do with 25,000 Starpoints? You can redeem them for free hotel nights or transfer them to an airline transfer partner.

To illustrate: a free night at a "category 3" hotel costs 7,000 points a night and a mid-tier "category 4" costs 10,000 points a night.

To learn more, read our AMEX SPG Credit Card review or visit American Express' secure website to apply now.

PS: I like to save up points and book 5 night award stays.

Here's why: if you redeem Starpoints for 5 consecutive nights at a category 3-7 hotel, the 5th night is free. So that Category 3 hotel room for 5 nights costs 28,000 Starpoints (instead of 35,000!).

Before rushing to fill out an application for one of these cards, keep in mind you usually need excellent credit. If you have a long history of paying your bills on time, only applying for the credit you need, and you haven’t neared your credit limit, you probably have a great credit score.

Know someone with excellent credit? Show them this article.

CreditDonkey helps readers make savvy financial decisions (and save money). Terms and limitations apply.

Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. This site may be compensated through the Advertiser's affiliate programs.

Disclaimer: The information for the BankAmericard® Credit Card has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.

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Comments about Credit Card Deals for People with Excellent Credit

  • Jim Dougherty
    on January 8, 2015 6:43 AM said:

    I highly recommend the Discover card. Besides the reasons you mention, their security group is right on the ball whenever there is a transaction outside the norm and contact the customer immediately.

  • Sol
    on November 18, 2015 3:15 PM said:

    Discover has changed. Short, on the verge of rude customer reps, card closure with no previous notice because of "lack of use" not late payments or other similar situations. I'm closing my Discover( member since 1986).

Comments may be filtered for language. CreditDonkey makes no guarantee of comments' factual accuracy. These responses are not provided or commissioned by bank advertisers. Responses have not been reviewed, approved or otherwise endorsed by bank advertisers. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered. Visitors may report inappropriate content by clicking the Contact Us link.

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About CreditDonkey®
CreditDonkey is a credit card comparison website. We publish data-driven analysis to help you save money & make savvy financial decisions.

Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

†Advertiser Disclosure: Many of the card offers that appear on this site are from companies from which CreditDonkey receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). CreditDonkey does not include all companies or all offers that may be available in the marketplace.

*See the card issuer's online application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all information is presented without warranty. When you click on the "Apply Now" button you can review the terms and conditions on the card issuer's website.

CreditDonkey does not know your individual circumstances and provides information for general educational purposes only. CreditDonkey is not a substitute for, and should not be used as, professional legal, credit or financial advice. You should consult your own professional advisors for such advice.