Congratulations on maintaining excellent credit! You've unlocked the door to some of the best credit card offers available. With the numerous options out there, choosing the best one can be overwhelming. That's why we've researched and compiled our top picks for the best credit cards for excellent credit in 2023. Our list includes impressive rewards programs, low or no annual fees, and exceptional perks that will make it worth your while to apply.
Best Credit Cards For Excellent Credit 2023 Table of Contents
Chase Sapphire Preferred Card
With its competitive rewards program and impressive travel benefits, the Chase Sapphire Preferred Card is a top choice for those with excellent credit. Earn 2X points on travel and dining, and 1 point per dollar spent on all other purchases. Enjoy a generous signup bonus and a 25% boost to points when redeemed through Chase Ultimate Rewards. Keep in mind, there's a $95 annual fee.
- Signup bonus: Earn 60,000 bonus points after spending $4,000 in the first three months
- No foreign transaction fees
- Transfer points to participating airline and hotel partners at a 1:1 ratio
Capital One Venture Rewards Credit Card
If you're a frequent traveler, the Capital One Venture Rewards Credit Card boasts impressive rewards and no foreign transaction fees. Earn unlimited 2X miles on every purchase, and redeem them for travel or transfer to partner airlines and hotels. There's a $95 annual fee, but the card's benefits typically outweigh the cost.
- Signup bonus: Earn 60,000 bonus miles after spending $3,000 in the first three months
- Global Entry or TSA PreCheck application fee credit
American Express Blue Cash Preferred Card
The American Express Blue Cash Preferred Card is an excellent choice for consumers who want to maximize their cashback rewards. Earn 6% cashback at U.S. supermarkets (up to $6,000 per year, then 1%), 6% on select streaming services, 3% at gas stations and transit, and 1% on all other purchases. A $95 annual fee applies.
- Welcome bonus: Earn a $300 statement credit after spending $3,000 in the first six months
- 0% intro APR on purchases for 12 months, then a variable rate (currently 14.24% to 24.24%)
Citi Double Cash Card
No annual fee and a straightforward cashback rewards system make the Citi Double Cash Card a top choice for those with excellent credit. Earn 2% cashback on every purchase - 1% when you buy, and 1% when you pay your balance. This card also offers a balance transfer promotion.
- 0% intro APR on balance transfers for 18 months, then a variable rate (currently 14.24% to 24.24%)
Best Credit Cards For Excellent Credit 2023 Example:
Let's say you're an avid traveler who frequently dines out and enjoys exploring new destinations. After reviewing the options, you decide to apply for the Chase Sapphire Preferred Card. You spend $4,000 in the first three months, earning 60,000 bonus points. When you redeem those points through Chase Ultimate Rewards, they're worth $750 toward travel expenses. Throughout the year, you continue to earn 2X points on travel and dining and 1 point per dollar spent on other purchases. Your points can also be transferred to participating airline and hotel partners, giving you even more flexibility when planning your next adventure.
With so many fantastic credit card options for those with excellent credit, it's essential to consider your spending habits and lifestyle when choosing the best one for you. We hope our top picks for the best credit cards for excellent credit in 2023 have made your decision easier. Don't forget to share this valuable guide with family and friends, and explore other articles on Flik Eco to learn more about managing your personal finances successfully.
