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Credit Cards for Excellent Credit

If you have excellent credit, you're in a strong position to access the best credit card offers available. The cards listed below feature top-tier perks - including high cashback rates, 0% intro APRs, no annual fees, and other premium benefits. As long as you qualify, these are some of the most rewarding options on the market.
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Upgrade Cash Rewards Visa® - Credit Card
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Upgrade Cash Rewards Visa®

  • $200 bonus after opening a Rewards Checking Preferred account and making 3 debit card transactions*
  • Earn 1.5% unlimited cash back on card purchases every time you make a payment
  • Combine the flexibility of a credit card with the predictability of a personal loan
  • No annual fee
  • No touch payments with contactless technology built in
  • See if you qualify in minutes without hurting your credit score
  • Great for large purchases with predictable payments you can budget for
  • Mobile app to access your account anytime, anywhere
  • Relax knowing you’re protected against unauthorized transactions with Visa’s Zero Liability Policy
  • 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 14.99% - 29.99% APR Cash Back 1
Upgrade Triple Cash Rewards Visa® - Credit Card
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Upgrade Triple Cash Rewards Visa®

  • $200 bonus after opening a Rewards Checking Preferred account and making 3 debit card transactions
  • Unlimited cash back on payments: 3% on Home, Auto, and Health categories and 1% on everything else after you make payments on your purchases
  • No annual fee
  • Combine the flexibility of a credit card with the predictability of a personal loan
  • No touch payments with contactless technology built in
  • See if you qualify in minutes without hurting your credit score
  • Great for large purchases with predictable payments you can budget for
  • Mobile app to access your account anytime, anywhere
  • Relax knowing you’re protected against unauthorized transactions with Visa’s Zero Liability Policy

Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Excellent Credit, Good Credit, Above Average Credit Consumer $0* N/A N/A 14.99% - 29.99% APR Cash Back Be the first to write one
Upgrade Life Rewards Visa® - Credit Card
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Upgrade Life Rewards Visa®

  • 3% Cash Back on payments for Gas, Grocery, Health, Streaming, and Utility categories, 1% cash back on everything else (Target and Walmart earn 1%)
  • Pay your balance in full early each month and avoid interest with EarlyPay*
  • Combine the flexibility of a card with the predictability of a loan
  • No Annual fee*
  • No touch payments with contactless technology built in*
  • See if you qualify in minutes without hurting your credit score
  • Great for large purchases with predictable payments you can budget for
  • Mobile app to access your account anytime, anywhere

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 14.99% - 29.99% APR Cash Back Be the first to write one