Best Credit Cards for Excellent Credit 2026
With excellent credit (typically 750+), you qualify for the very best credit cards on the market — premium travel cards, the highest cash back rates, the longest 0% APR periods, and the most valuable sign-up bonuses. Compare the top cards available to excellent credit applicants.
Top Picks
OneMain Financial®
OneMain Financial®
Annual Fee
N/A
Credit Needed
Poor to Excellent
Rewards Rate
N/A
Purchase APR
N/A
Balance Transfer
N/A
Regular APR
N/A
- In business for 100+ years: A+ rating from BBB
- Simple loan terms with no prepayment penalties
- Fast. Loan decisions as quickly as 1 hour.
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- Convenient. Apply online, by phone or at your local branch.
Business Cards
CreditSoup.com
Annual Fee
See website for Details*
Credit Needed
Average/Fair/Limited/Good/Excellent
Rewards Rate
N/A
Purchase APR
See website for Details*
Balance Transfer
See website for Details*
Regular APR
See website for Details*
- Credit cards specifically designed for the needs of small business owners
- Take advantage of sign-up bonus offers, flexible payment terms and business-focused reward categories
- Earn rewards points, miles or cash back on everyday business expenses
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- Rewards can be redeemed for free travel, cash back, gift cards or merchandise
- Terms vary by partner offer. Please see each bank's application for terms and conditions
- Clicking Apply Now will take you to CreditSoup.com to compare Business Credit Cards from participating partners
Cash Back Rewards Cards
CreditSoup.com
Annual Fee
See website for Details*
Credit Needed
Average/Fair/Limited/Good/Excellent
Rewards Rate
N/A
Purchase APR
See website for Details*
Balance Transfer
See website for Details*
Regular APR
See website for Details*
- Earn up to 3% cash back on all purchases
- Redeem cash back in the form of checks, statement credits, gift cards, merchandise or towards free travel
- Earn sign-up bonuses after meeting initial spending thresholds
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- Terms vary by partner offer. Please see each bank's application for terms and conditions.
- Clicking will take you to CreditSoup.com to compare Cash Back Credit Cards from participating partners
Mastercard® Gold Card™
Barclays Bank
Annual Fee
$1,199 ($349 for each Authorized User added to the account)
Credit Needed
Excellent
Rewards Rate
2 points for every $1 spent on Airfare and Hotel reservations booked through LuxuryCardTravel.com.
Purchase APR
N/A
Balance Transfer
0% introductory APR for the first fifteen billing cycles following each balance transfer that posts to your account within 45 days of account opening. After that, (and for balance transfers that do not post within 45 days of account opening) the APR will be 19.49% to 27.49%, based on your creditworthiness and other factors. This APR will vary with the market based on the Prime Rate.
Regular APR
19.49% to 27.49% Variable, based on your creditworthiness and other factors
- Redeem at 2% value for airfare and 2% for cash back. Just 50,000 points will get you a $1,000 ticket on any airline or $1000 cash back, issued as a direct deposit statement credit.
- Earn 2X points on Airfare and Hotel reservations booked through LuxuryCardTravel.com. One point for every one dollar you spend for all other categories, earning points every time you spend.
- $300 Annual Airline Credit: Receive up to $300 in annual air travel credits toward flight-related purchases, including airline tickets, baggage fees, upgrades and more.
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- $200 Annual Dining Credit: Get up to $200 in annual statement credits when you use your Luxury Card at qualifying restaurants.
- $200 Ship&Play Credit: Send your belongings ahead of time with Ship&Play and receive up to $200 in credits annually.
- Receive up to $120 reimbursment credit for a Global Entry or TSA PreCheck® application for each Mastercard Gold Card Primary Cardmember and Authorized Users.
- 24/7 Luxury Card Concierge®: Exclusive to Cardmembers. Your busy life never stops, and neither do our Luxury Card Concierge agents. Enjoy around-the-clock lifestyle management and planning support tailored to your specific needs—and designed to save you time. Our personalized one-on-one service delivers solutions, suggestions and even surprises to make every day exceptional. Book the trip. Get the reservations. Score the tickets.
- With your Luxury Card, enjoy complimentary access to over 1,700 airport lounges and travel experiences in more than 600 cities across 145 countries with Priority Pass™ Select. Access includes unlimited visits for yourself as well as your guests.
- Made with 24K Gold®: Beautifully crafted and exceptionally premium, Luxury Card is a statement piece designed to stand out in the most refined way. Weighing in at an impressive 22 grams, its contactless patented card design and metal construction raises the standard. Carry a card with distinction.
- Exclusive Luxury Card Travel® benefits—average value of $500 per stay (e.g., resort credits, room upgrades, free wifi, breakfast for two and more) at over 3,000 properties. Receive protection benefits like trip cancellation and interruption, auto rental car collision waiver, travel accident and baggage delay. Cell phone protection for eligible claims of up to $1,000 each year. Plus additional World Elite Mastercard® benefits.
- Annual Fee: $1,199 ($349 for each Authorized User). Terms and conditions apply.
No Annual Fee Cards
CreditSoup.com
Annual Fee
See website for Details*
Credit Needed
Average/Fair/Good/Limited/Good/Bad/No Credit/Excellent
Rewards Rate
N/A
Purchase APR
See website for Details*
Balance Transfer
See website for Details*
Regular APR
See website for Details*
- Enjoy cash back and travel rewards without incurring an annual fee!
- Plus, get 0% APR on purchases and balance transfers
- Earn lucrative sign-up bonuses once initial spending thresholds are met
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- Perfect for those who dislike annual fees or can’t offset with rewards earning
- Terms vary by partner offer. Please see each bank's application for terms and conditions
- Clicking Apply Now will take you to CreditSoup.com to compare No Annual Fee Credit Cards from participating partners
Travel Rewards Cards
CreditSoup.com
Annual Fee
See website for Details*
Credit Needed
Good/Excellent
Rewards Rate
N/A
Purchase APR
See website for Details*
Balance Transfer
See website for Details*
Regular APR
See website for Details*
- Earn rewards toward free travel with your everyday spending
- Rewards can be redeemed for air travel, hotel stays, gift cards or statement credits
- Travel perks can include waived foreign transaction fees, travel insurance coverages and airport lounge access
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- Bonus offers – up to 50,000 points or miles
- Credit Needed: Excellent/Good
- Terms vary by partner. Please see individual application for product terms and conditions.
- Clicking Apply Now will take you to CreditSoup.com to compare Travel Rewards Credit Cards from participating partners
Rewards Cards
CreditSoup.com
Annual Fee
See website for Details*
Credit Needed
Fair/Good/Excellent
Rewards Rate
N/A
Purchase APR
See website for Details*
Balance Transfer
See website for Details*
Regular APR
See website for Details*
- Earn up to 2X reward points or miles with your everyday spending
- Use rewards towards free flights, hotel nights, merchandise, cash back or gift cards
- Earn lucrative sign-up bonuses after initial spending thresholds are met
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- Enjoy terms and features like no annual fee, no foreign transaction fee and free credit scores
- Terms vary by partner offer. Please see each bank's application for terms and conditions.
- Clicking Apply Now will take you to CreditSoup.com to compare Rewards Credit Cards from participating partners
Excellent Credit Cards
CreditSoup.com
Annual Fee
See website for Details*
Credit Needed
Good/Excellent
Rewards Rate
N/A
Purchase APR
See website for Details*
Balance Transfer
See website for Details*
Regular APR
See website for Details*
- Take advantage of your excellent credit to get the best rates and rewards
- Enjoy low rates and rewards for everyday spending
- Excellent credit can lead to higher credit lines
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- Earn cash back, points or miles to redeem for travel, gift cards or cash rewards
- Bonus offers – up to 50,000 points or miles
- Terms vary by partner. Please see individual application for product terms and conditions.
- Clicking Apply Now will take you to CreditSoup.com to compare Credit Cards for Excellent Credit from participating partners
Low Interest Cards
CreditSoup.com
Annual Fee
See website for Details*
Credit Needed
Fair/Good/Limited/No Credit/Good/Excellent
Rewards Rate
N/A
Purchase APR
See website for Details*
Balance Transfer
See website for Details*
Regular APR
See website for Details*
- Best for those who carry a balance from month to month
- Save even more with $0 annual fee card options
- 0% APR introductory rates on purchases and balance transfers up to 18 months
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- Get even more value by earning 0% APR on a rewards-earning credit card
- Credit needed: Excellent/Good
- Terms vary by partner. Please see the card application for product terms and conditions.
- Clicking Apply Now will take you to CreditSoup.com to compare Low Interest Credit Cards from participating partners
Balance Transfer Credit Cards
CreditSoup.com
Annual Fee
See website for Details*
Credit Needed
Good/Excellent
Rewards Rate
N/A
Purchase APR
See website for Details*
Balance Transfer
See website for Details*
Regular APR
See website for Details*
- Save money by transferring your existing balances to a card with a 0% introductory balance transfer rate.
- Enjoy 0% interest on balance transfers and purchases for up to 18 months.
- Increase your savings with a card that charges no balance transfer fee
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- Save even more with a no annual fee balance transfer credit card!
- Terms vary by partner offer. Please see each bank's application for terms and conditions.
- Clicking will take you to CreditSoup.com to compare Balance Transfer Credit Cards from participating partners.