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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

Bonus Categories and First Year Cashback Match

Discover it® Cash Back

on Discover's website, or call (800) 347-0264

Rates & Fees

on Discover's website, or call (800) 347-0264

Rates & Fees
Annual Fee

$0

Regular APR

11.99% - 22.99% Variable APR

Intro APR

0% intro APR on Purchases and Balance Transfers for 14 months

Recommended Credit Score
  • INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
  • Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate.
  • Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Redeem cash back any amount, any time. Rewards never expire.
  • Use your rewards at Amazon.com checkout.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • No annual fee.

on Discover's website, or call (800) 347-0264

  • INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
  • Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate.
  • Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Redeem cash back any amount, any time. Rewards never expire.
  • Use your rewards at Amazon.com checkout.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • No annual fee.

on Discover's website, or call (800) 347-0264

Pros

  • Cash back match at the end of your first year
  • Bonus cash back categories
  • No annual fee
  • Intro APR period on Purchases and Balance Transfers

Cons

  • Slightly less merchant acceptance for Discover in US - acceptance outside of US can be an issue
  • If you value simplicity, a flat rate cash back card may be better

Excellent for

Cash-Back Pairing with Chase Sapphire Preferred®

Chase Freedom Unlimited Credit Card

on Chase's website

on Chase's website

Annual Fee

$0

Regular APR

14.99% - 23.74% Variable APR

Intro APR

0% 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.
  • 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%.
  • No annual fee
  • 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
  • No ongoing bonus categories
  • Requires good/excellent credit

Excellent for

Everyday Spending

American Express Blue Cash Preferred Credit Card

on American Express's website

Rates & Fees
Annual Fee

$95

Regular APR

13.99% - 23.99% Variable APR

Intro APR

0% intro APR on Purchases for 12 months

Recommended Credit Score
  • Earn a $250 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • 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, currently 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 and no interest.
  • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.
  • $95 Annual Fee.
  • Terms Apply.

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

Flat Rate Cash Back

Citi® Double Cash Card

on Citibank's application

Annual Fee

$0

Regular APR

13.99% - 23.99% Variable APR

Intro APR

0% 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

Excellent for

Flexible foodie rewards + no annual fee

U.S. Bank Altitude® Go Visa Signature® Card

on US Bank's website

Rates & Fees
Annual Fee

$0

Regular APR

14.99% - 23.99% Variable APR

Intro APR

0% intro APR on Purchases and Balance Transfers for 12 billing cycles

Recommended Credit Score
  • Earn 20,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening That's a $200 value redeemable towards merchandise, gift cards, cash back, travel and more
  • Earn 4X points on takeout, food delivery and dining
  • Earn 2X points at grocery stores, grocery delivery, gas stations and on streaming services
  • $15 credit for annual streaming service purchases such as Netflix and Spotify
  • No annual fee*
  • 1X point per $1 on all other eligible purchases
  • Low Introductory APR on purchases and balance transfers
  • Points never expire

on US Bank's website

Pros

  • No annual fee
  • No foreign transaction fee

Cons

  • Need excellent credit

Excellent for

Intro APR period with No Annual Fee

Discover it® chrome

on Discover's website, or call (800) 347-0264

Rates & Fees

on Discover's website, or call (800) 347-0264

Rates & Fees
Annual Fee

$0

Regular APR

11.99% - 22.99% Variable APR

Intro APR

0% intro APR on Purchases and Balance Transfers for 14 months

Recommended Credit Score
  • INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
  • Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. Based Customer Service available any time.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • No annual fee.

on Discover's website, or call (800) 347-0264

Pros

  • Bonus cash back categories
  • No annual fee
  • Intro APR period on Purchases and Balance Transfers
  • No foreign transaction fee

Cons

  • Requires good/excellent credit
  • Discover cards are not widely accepted outside of the U.S.
Credit CardNerdWallet Rating Intro APRRegular APRAnnual FeeLearn More
Discover it® Cash Back

Discover it® Cash Back

on Discover's website, or call (800) 347-0264

Excellent for Bonus Categories and First Year Cashback Match

0% intro APR on Purchases and Balance Transfers for 14 months

11.99% - 22.99% Variable APR

$0

on Discover's website, or call (800) 347-0264

Chase Freedom Unlimited Credit Card

Chase Freedom Unlimited®

on Chase's website

Excellent for Cash-Back Pairing with Chase Sapphire Preferred®

0% on Purchases for 15 months

14.99% - 23.74% Variable APR

$0

on Chase's website

American Express Blue Cash Preferred Credit Card

Blue Cash Preferred® Card from American Express

on American Express's website

Excellent for Everyday Spending

0% intro APR on Purchases for 12 months

13.99% - 23.99% Variable APR

$95

on American Express's website

Citi® Double Cash Card

Citi® Double Cash Card – 18 month BT offer

on Citibank's application

Excellent for Flat Rate Cash Back

0% on Balance Transfers for 18 months

13.99% - 23.99% Variable APR

$0

on Citibank's application

U.S. Bank Altitude® Go Visa Signature® Card

U.S. Bank Altitude® Go Visa Signature® Card

on US Bank's website

Excellent for Flexible foodie rewards + no annual fee

0% intro APR on Purchases and Balance Transfers for 12 billing cycles

14.99% - 23.99% Variable APR

$0

on US Bank's website

Discover it® chrome

Discover it® chrome

on Discover's website, or call (800) 347-0264

Excellent for Intro APR period with No Annual Fee

0% intro APR on Purchases and Balance Transfers for 14 months

11.99% - 22.99% Variable APR

$0

on Discover's website, or call (800) 347-0264

Last updated on August 3, 2020