Credit Cards for Excellent Credit

There aren't a great deal of downsides when it comes to shopping for these credit cards. So long as you are able to qualify, the card offers and applications below will provide you with what are arguably the most competitive and worthwhile credit cards around-- from exceptional cash back rewards programs to zero annual fees, 0% first year APR rates and a variety of other perks, the overall packages and bonuses provided by the cards listed below are some of the best that money (and an excellent credit rating) can earn you.

Read ahead for a number of rundowns on the best among cards offered to those with good to excellent credit ratings-- additionally, by using our table view and search functions, you will be able to comparison shop for the best bonuses and rewards programs by weighing each credit card offer against one another, ultimately being able to narrow down a credit card truly worth applying for that you might even come to consider being the best of the best. Still not quite satisfied? Be sure to take to our credit card forums, complete card library and more to ensure that you're able to narrow down the best overall online credit card application to suit your needs, regardless of credit score, credit history, or other factors.

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USAA® Rewards™ American Express® Card

Everyday Cash Back

5% cash back on your first $3,000 in combined gas station and military base purchases yearly
2% cash back on your first $3,000 in grocery purchases yearly
Unlimited 1% cash back on all other qualifying purchases

USAA membership is available to active and former military and their eligible family members

Credit Target	Type	Annual Fee	BT Intro APR	Purchase Intro APR	Regular APR	Rewards	Reviews
Excellent Credit, Good Credit	Consumer	$0	None	N/A	9.90%* - 25.90% (Variable)*	Flexible Options	Be the first to write one

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HSBC Cash Rewards Mastercard® credit card

Earn unlimited 1.5% cash back on all purchases.
Earn an Introductory 3% Cash Back on all purchases in the first 12 months from Account opening, up to the first $10,000 in purchases
No Annual Fee.
0% Intro APR for 12 months on purchases and balance transfers, then a 16.99% - 22.99% variable APR.
No Foreign Transaction Fees.
$0 liability for unauthorized purchases.
Terms Apply.

Credit Target	Type	Annual Fee	BT Intro APR	Purchase Intro APR	Regular APR	Rewards	Reviews
Excellent Credit, Good Credit	Consumer	N/A	0% Introductory APR on balance transfers for the first 12 months from account opening	0% Introductory APR on credit card purchases for the first 12 months from account opening	Variable APR of 14.99% - 24.99% will apply after the Introductory Period	Cash Back	Be the first to write one

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USAA® Cashback Rewards Plus American Express® Card

Unlimited Rewards

3X points on dining out
2X points on gas and groceries
1X points on all other qualifying purchases

Bonus Rewards

2,500 bonus points after your first qualifying purchase
USAA membership is available to active and former military and their eligible family members

Credit Target	Type	Annual Fee	BT Intro APR	Purchase Intro APR	Regular APR	Rewards	Reviews
Excellent Credit, Good Credit	Consumer	$0	None	N/A	9.90%* - 25.90% (Variable)*	Cash Back	Be the first to write one

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USAA® Rewards™ Visa Signature® Card

Earn 2X points per dollar spent on gas and dining with no cap
Earn 1X points for every dollar spent on all other purchases
Get 2,500 bonus points with your first purchase
Redeem points for cash, merchandise, gift cards and more.
USAA membership is available to active and former military and their eligible family members

Credit Target	Type	Annual Fee	BT Intro APR	Purchase Intro APR	Regular APR	Rewards	Reviews
Excellent Credit, Good Credit	Consumer	$0	None	N/A	9.90%* - 25.90% (Variable)*	Flexible Options	Be the first to write one

Upgrade Triple Cash Rewards Visa - Credit Card

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Upgrade Triple Cash Rewards Visa®

Unlimited cash back on payments - 3% on Home, Auto and Health categories and 1% on everything else
$0 fees - $0 annual fee, $0 activation fees, $0 maintenance fees
Combine the flexibility of a card with the low cost and predictability of a loan
No touch payments with contactless technology built in
See if you qualify in minutes without hurting your credit score
Access to a virtual card while you wait for your card to arrive in the mail
Great for large purchases with predictable payments you can budget for
Mobile app to access your account anytime, anywhere
Enjoy peace of mind with $0 Fraud liability

Credit Target	Type	Annual Fee	BT Intro APR	Purchase Intro APR	Regular APR	Rewards	Reviews
Excellent Credit, Good Credit	Consumer	$0*	N/A	N/A	8.99% -29.99%	Cash Back	Be the first to write one

Upgrade Visa Card with Cash Rewards - Credit Card

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Upgrade Visa® Card with Cash Rewards

Earn 1.5% unlimited cash back on card purchases every time you make a payment
Combine the flexibility of a card with the low cost and predictability of a loan
$0 fees - $0 annual fee, $0 activation fees, $0 maintenance fees
No touch payments with contactless technology built in
See if you qualify in minutes without hurting your credit score
Access to a virtual card while you wait for your card to arrive in the mail
Great for large purchases with predictable payments you can budget for
Mobile app to access your account anytime, anywhere
Enjoy peace of mind with $0 Fraud liability
See Rates & Fees

Credit Target	Type	Annual Fee	BT Intro APR	Purchase Intro APR	Regular APR	Rewards	Reviews
Excellent Credit, Good Credit	Consumer	$0	N/A	N/A	8.99%-29.99%	Cash Back	Be the first to write one

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USAA® Preferred Cash Rewards Visa Signature® Card

Earn 1.5% cash back on every purchase with no limits or category restrictions
Pay no annual fee, no penalty APR and no foreign transaction fees
USAA membership is available to active and former military and their eligible family members

Credit Target	Type	Annual Fee	BT Intro APR	Purchase Intro APR	Regular APR	Rewards	Reviews
Good Credit, Excellent Credit	Consumer	$0	None	N/A	11.90%* - 25.90% (Variable)*	Cash Back	Be the first to write one

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USAA® Rate Advantage Visa Platinum® Card

Enjoy USAA's lowest rate card
No annual fee, no foreign transaction fees, no penalty APR
USAA membership is available to active and former military and their eligible family members

Credit Target	Type	Annual Fee	BT Intro APR	Purchase Intro APR	Regular APR	Rewards	Reviews
Excellent Credit, Good Credit	Consumer	$0	None	N/A	6.90%* - 23.90% (Variable)*	None	Be the first to write one

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Bank of America® Cash Rewards Credit Card

No annual fee
$200 online cash rewards bonus after you spend at least $1000 on purchases in the first 90 days of account opening
Earn 1% cash back on every purchase, 2% at grocery stores and wholesale clubs, and 3% on gas for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter
0% Introductory APR for 15 billing cycles for purchases AND for any balance transfers made in the first 60 days, then, 13.99% - 23.99% Variable APR. 3% fee (min $10) applies to balance transfers
Get a 10% customer bonus every time you redeem your cash back into a Bank of America® checking or savings account
If you're a Preferred Rewards client, you can increase that bonus to 25% - 75%

Credit Target	Type	Annual Fee	BT Intro APR	Purchase Intro APR	Regular APR	Rewards	Reviews
Excellent Credit, Good Credit	Consumer	$0*	0% Intro APR for 12 billing cycles for balance transfers made in the first 60 days*	N/A	13.99% - 23.99% Variable APR on purchases and balance transfers	Cash Back	Be the first to write one