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Updated March 20, 2018

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 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.

Chase Sapphire Preferred lets you 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®. This card lets you earn 2X points on travel and dining at restaurants worldwide, eligible delivery services, takeout and dining out & 1 point per dollar spent on all other purchases.

Points can be transferred 1:1 to leading frequent travel programs including airline transfer partners. The card has no foreign transaction fees. The card also comes with premium travel and purchase protection benefits (including trip cancellation/trip interruption insurance and auto rental collision damage waiver). There is a $95 annual fee.

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, 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.

To learn more, read our Chase Sapphire Preferred Review.

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 1% on other purchases.

Keep in mind:

  • There is a $0 introductory annual fee for one year, then $95. Offer Expires 12/10/2020 (See Rates & Fees). Our suggestion: 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.

  • 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% intro APR for 18 billing cycles on purchases and balance transfers (made within 60 days of opening your account). After that, a variable APR of 12.99% - 22.99%. There is a 3% balance transfer fee (min $10). There is no annual fee.

Travel Rewards

Capital One Venture Rewards Credit Card offers 100,000 bonus miles when you spend $20,000 on purchases within the first 12 months from account opening, or still earn 50,000 miles if you spend $3,000 on purchases in the first 3 months. This card earns 2x miles per dollar on all purchases. There are no foreign transaction fees. You get up to $100 credit for Global Entry or TSA Pre✓®. There is a $95 annual fee.

Airline Miles

Delta SkyMiles Gold
Apply for Delta SkyMiles Gold American Express Card
Do you like to fly Delta? If so, consider the Delta SkyMiles Gold Credit Card from American Express, a CreditDonkey partner.

Delta SkyMiles Gold offers 35,000 bonus miles after you spend $1,000 in purchases within your first 3 months. This card earns 2x miles on Delta purchases, at restaurants worldwide (including takeout and delivery), and at U.S. supermarkets. Earn 1x mile on all other eligible purchases. There is a $99 annual fee ($0 introductory annual fee for the first year) (See Rates & Fees).

If you fly Delta, here's what you should know: you can check your first bag free with this card. 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 $99 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 Delta flights -- that is a potential savings of up to $240 per round trip for a family of four.

To learn more, visit American Express' secure website.


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.

For rates and fees of the Blue Cash Preferred card, please click here.
For rates and fees of the Delta SkyMiles Gold card, please click here.

Disclaimer: The information for the Capital One Venture Rewards Credit Card and 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.

More from CreditDonkey:


Airline Miles for Beginners


How to Meet Credit Card Spending Requirements


Credit Cards for International Travel



Chase Sapphire Preferred Card
Apply for Chase Sapphire Preferred Card
At Chase's Secure Site
  • 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, eligible delivery services, takeout and dining out & 1 point per dollar spent on all other purchases.
  • Get 25% more value when you redeem for travel through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on orders over $12 for a minimum of one year on qualifying food purchases with DashPass, DoorDash's subscription service. Activate by 12/31/21.
  • Earn 2x total points on up to $1,000 in grocery store purchases per month from November 1, 2020 to April 30, 2021. Includes eligible pick-up and delivery services.
  • Go to issuer's official application, terms, and details
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
N/AN/A
15.99% - 22.99% Variable
$95
Comments about Credit Card Deals for People with Excellent Credit
  • Jim Dougherty
    on January 2015 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 2015 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 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.

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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.

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