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6 Credit Cards You Should Not Ignore If You Have Excellent Credit

Whether you want straight cash back or points or miles you can use for travel, there are great options for those with good credit. Many of these cards don’t even have an annual fee — and those that do have a fee more than make up for it with a jumbo sign-up bonus, generous ongoing rewards or, often, both. Compare these deals from our partners to find one that fits your needs.

NerdWallet's Credit Cards You Should Not Ignore If You Have Excellent Credit

Excellent for

Categories tailored to your spending

Citi Custom Cash℠ Card

on Citibank's application

4.7

NerdWallet rating 

on Citibank's application

Annual Fee

$0

Regular APR

13.99% - 23.99% Variable APR

Intro APR

0% intro APR on Purchases and Balance Transfers for 15 months

Recommended Credit Score
  • Earn $200 in cash back after you spend $750 on purchases in the first 3 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
  • 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 13.99% - 23.99%, based on your creditworthiness.
  • Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
  • No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
  • No Annual Fee
  • Citi will only issue one Citi Custom Cash℠ Card account per person.

on Citibank's application

  • Earn $200 in cash back after you spend $750 on purchases in the first 3 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
  • 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 13.99% - 23.99%, based on your creditworthiness.
  • Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
  • No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
  • No Annual Fee
  • Citi will only issue one Citi Custom Cash℠ Card account per person.

on Citibank's application

Pros

  • No annual fee
  • 5% bonus categories
  • Intro APR Period

Cons

  • Low rate outside bonus categories
  • Requires good/excellent credit

Excellent for

Cost-Effective Balance Transfer

BankAmericard® Credit Card

on Bank of America's website, or call (800) 322-7707

4.9

NerdWallet rating 

on Bank of America's website, or call (800) 322-7707

Annual Fee

$0

Regular APR

12.99% - 22.99% Variable APR

Intro APR

0% intro APR for 18 billing cycles on purchases and on any balance transfers made within 60 days of account opening

Recommended Credit Score
  • 0% Introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 12.99% - 22.99% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers
  • No annual fee
  • No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply
  • Access your FICO® Score for free within Online Banking or your Mobile Banking app
  • Contactless Cards - The security of a chip card, with the convenience of a tap
  • This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

on Bank of America's website, or call (800) 322-7707

Pros

  • No annual fee
  • Intro APR period on Purchases and Balance Transfers

Cons

  • No rewards

Excellent for

Cash back — high flat rate + incentives

Wells Fargo Active Cash Card

on Wells Fargo's website

5.0

NerdWallet rating 

on Wells Fargo's website

Annual Fee

$0

Regular APR

14.99% - 24.99% Variable APR

Intro APR

0% intro APR for 15 months from account opening on purchases and qualifying balance transfers

Recommended Credit Score
  • New! Earn a $200 cash rewards bonus after spending $1,000 on purchases in the first 3 months
  • Earn unlimited 2% cash rewards on purchases
  • 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 14.99% to 24.99% variable APR; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5
  • $0 annual fee
  • No category restrictions or sign ups and cash rewards don’t expire as long as your account remains open
  • Enjoy a premium collection of benefits at a selection of the world's most intriguing and prestigious hotel properties with Visa Signature Concierge
  • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Active Cash℠ Card
  • Select “Apply Now” to learn more about the product features, terms and conditions
  • View Rates and Fees

on Wells Fargo's website

Pros

  • High rewards rate
  • No annual fee
  • Intro APR period

Cons

  • No bonus categories

Excellent for

Everyday Spending

American Express Blue Cash Preferred Credit Card

on American Express's website

5.0

NerdWallet rating 

on American Express's website

Annual Fee

$0 intro for the first year, then $95

Regular APR

13.99% - 23.99% Variable APR

Intro APR

0% intro APR on Purchases for 12 months

Recommended Credit Score
  • Earn 20% back on Amazon.com purchases on the Card within the first 6 months of Card Membership, up to $200 back.
  • Plus, earn $150 back after you spend $3,000 in purchases on the Card within the first 6 months of Card Membership. You will receive cash back in the form of statement credits.
  • $0 intro annual fee for the first year, then $95.
  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
  • 6% Cash Back on select U.S. streaming subscriptions.
  • 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
  • 1% Cash Back on other purchases.
  • Low intro APR: 0% for 12 months on purchases from the date of account opening, then a variable rate, 13.99% to 23.99%.
  • Plan It® gives the option to select purchases of $100 or more to split up into monthly payments with a fixed fee.
  • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.
  • Terms Apply.
  • View Rates and Fees

on American Express's website

Pros

  • Leading cash-back rewards at U.S. supermarkets
  • Rich bonus offer for new cardholders
  • Intro APR period on Purchases

Cons

  • Has annual fee — but if you spend more than $31 per week at U.S. supermarkets, the rewards offset the fee
  • American Express isn’t accepted at as many merchants as Visa or Mastercard
  • $25 minimum redemption

Excellent for

Cash-Back Pairing with Chase Sapphire Preferred®

Chase Freedom Unlimited Credit Card

on Chase's website

5.0

NerdWallet rating 

on Chase's website

Annual Fee

$0

Regular APR

14.99% - 23.74% Variable APR

Intro APR

0% intro APR on Purchases for 15 months

Recommended Credit Score
  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
  • Earn unlimited 1.5% cash back on all other purchases.
  • Earn 5% on Chase travel purchased through Ultimate Rewards®, 3% on dining and drugstores, and 1.5% on all other purchases.
  • No annual fee.
  • 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%.
  • No minimum to redeem for cash back. Cash Back rewards do not expire as long as your account is open.

on Chase's website

Pros

  • High rewards rate and no minimum redemption
  • No annual fee
  • Intro APR period on Purchases

Cons

  • Has foreign transaction fee
  • Requires good/excellent credit

Excellent for

Flat Rate Cash Back

Citi® Double Cash Card

on Citibank's application

5.0

NerdWallet rating 

on Citibank's application

Annual Fee

$0

Regular APR

13.99% - 23.99% Variable APR

Intro APR

0% intro APR on Balance Transfers for 18 months

Recommended Credit Score
  • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • To earn cash back, pay at least the minimum due on time.
  • Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.99% - 23.99%, based on your creditworthiness.
  • Balance Transfers do not earn cash back.
  • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • The standard variable APR for Citi Flex Plan is 13.99% - 23.99%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.

on Citibank's application

Pros

  • High rewards rate
  • No annual fee
  • Intro APR period on Balance Transfers

Cons

  • No sign-up bonus
  • No 0% APR for purchases
  • $25 minimum redemption