Excellent Credit


The following credit cards are for those with credit ranging from very good to excellent. These cards generally offer the best combination of low interest rates, introductory rates, and travel and cash rewards.

Citi Simplicity® Card
Citi Simplicity® Card
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at CitiBank's
secure site
  • 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 12.99% - 21.99% based on your creditworthiness.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • No late fees - EVER
  • No penalty rate - EVER
  • No annual fee - EVER
  • Save time when you call with fast, personal help, 24 hours a day.
Purchases Balance Transfers Regular APR Annual Fee Credit Needed
Intro APR Intro APR Period Intro APR Intro APR Period
0%* 18 Months* 12.99% – 21.99%* Variable 18 Months* 12.99% – 21.99%* Variable $0* Excellent
701 Average credit score approved for this card † 652 Lowest credit score approved for this card †

Discover it®
Discover it®
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at Discover's
secure site
  • Fair. No annual fee. No overlimit fee. No foreign transaction fee. Plus, pay up to midnight ET online or by phone on your due date without a fee. No late fee on your first late payment. And paying late won’t raise your APR.*
  • Generous. 5% cash back at Home Improvement Stores, Furniture Stores and Bed Bath & Beyond® on up to $1,500 in purchases from April through June 2014.*
  • Human. 100% U.S.-based customer service available any time.
  • Safe. Because you’re never responsible for unauthorized charges with our $0 Fraud Liability Guarantee.
  • Plus, free FICO® Credit Score on your monthly statement to help you stay on top of your credit.*
  • 0% Intro APR* on purchases and balance transfers for 14 months. Then the variable purchase APR applies, currently 10.99% - 22.99%. A fee of 3% applies for each balance transferred.
  • *Click "Apply" to see rates, rewards, and free FICO® Credit Score terms and other information.
Purchases Balance Transfers Regular APR Annual Fee Credit Needed
Intro APR Intro APR Period Intro APR Intro APR Period
0% 14 Months 0% 14 Months 10.99% – 22.99%* Variable $0 Excellent
711 Average credit score approved for this card † 676 Lowest credit score approved for this card †

Barclaycard Arrival™ World MasterCard® - Earn 2x on All Purchases
Barclaycard Arrival™ World MasterCard® - Earn 2x on All Purchases
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at Barclaycard's
secure site
  • Earn 40,000 bonus miles when you spend $3,000 or more on purchases in the first 90 days from account opening. 40,000 bonus miles equates to $400 off your next travel redemption!
  • 0% introductory APR on purchases and balance transfers for the first 12 months after account opening. After that, variable APR, currently 14.99% or 18.99%, based upon your creditworthiness.
  • Earn 2X miles on all purchases
  • No mileage caps or foreign transaction fees
  • Get 10% miles back when you redeem for travel statement credits (i.e. redeem 25,000 miles for travel and get 2,500 miles back)
  • Use your card to book through any airline, hotel or discount travel engine with no blackout dates or seat restrictions
  • Easily redeem your miles for statement credits towards all or a portion of your travel purchases within the last 90 days
  • Complimentary online FICO® Score access for Arrival cardmembers
Purchases Balance Transfers Regular APR Annual Fee Credit Needed
Intro APR Intro APR Period Intro APR Intro APR Period
0% 12 Months 0% 12 Months 14.99% or 18.99%* Variable $89 - waived first year Excellent
737 Average credit score approved for this card † 691 Lowest credit score approved for this card †

Citi® Diamond Preferred® Card
Citi® Diamond Preferred® Card
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at CitiBank's
secure site
  • Get 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the APR will be 11.99%-21.99% based upon your creditworthiness.*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer.
  • Citi® Easy Deals(SM) Get what you want for less. Earn Citi Easy Deals Points for the purchases you make with your card. Redeem your points for great online deals on name-brand merchandise, gift cards and even local deals.
  • Let our 24/7 concierge service help book your hotel rooms, flights and more.
  • Enjoy special access to presale tickets, preferred seating, VIP packages, and unique entertainment experiences through Citi Private Pass®.
  • $0 liability on unauthorized purchases and Citi® Identity Theft Solutions
  • No annual fee*
Purchases Balance Transfers Regular APR Annual Fee Credit Needed
Intro APR Intro APR Period Intro APR Intro APR Period
0%* 18 Months* 0%* 18 Months* 11.99% – 21.99%* Variable $0* Excellent
727 Average credit score approved for this card † 672 Lowest credit score approved for this card †

Discover it®
Discover it®
Apply Now...
at Discover's
secure site
  • Fair. No annual fee. No overlimit fee. No foreign transaction fee. Plus, pay up to midnight ET online or by phone on your due date without a fee. No late fee on your first late payment. And paying late won't raise your APR.*
  • Generous. 5% cash back at Home Improvement Stores, Furniture Stores and Bed Bath & Beyond® on up to $1,500 in purchases from April through June 2014.*
  • Human. 100% U.S.-based customer service available any time.
  • Safe. Because you're never responsible for unauthorized purchases with our $0 Fraud Liability Guarantee.
  • Plus, free FICO® Credit Score on your monthly statement to help you stay on top of your credit.*
  • 0% Intro APR* on balance transfers for 18 months. Then the variable purchase APR applies, currently 10.99% - 22.99%. A fee of 3% applies for each balance transferred.
  • 0% Intro APR* on purchases for 6 months. Then the variable purchase APR applies, currently 10.99% - 22.99%.
  • *Click "Apply" to see rates, rewards, and free FICO® Credit Score terms and other information.
Purchases Balance Transfers Regular APR Annual Fee Credit Needed
Intro APR Intro APR Period Intro APR Intro APR Period
0% 6 Months 0% 18 Months 10.99% – 22.99%* Variable $0 Excellent
731 Average credit score approved for this card † 687 Lowest credit score approved for this card †

The Premier Miles & More World MasterCard®
The Premier Miles & More World MasterCard®
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at Barclaycard's
secure site
  • Earn 20,000 award miles after your first purchase or balance transfer
  • Earn up to 15,000 award miles with balance transfers (1 mile per $1 transferred) within 30 days of account opening
  • Earn 2 award miles per $1 on ticket purchases directly from Miles & More integrated airline partners
  • Earn 1 mile per $1 on all other purchases
  • Annual Companion Ticket after first purchase, then annually thereafter
  • No foreign transaction fees on purchases made outside the U.S.
  • Redeem miles for flight awards and upgrades on Lufthansa, Austrian Airlines, Brussels Airlines, SWISS, Star Alliance airlines and other partners
  • $79 Annual Fee, waived for SEN and HON Circle Members
Purchases Balance Transfers Regular APR Annual Fee Credit Needed
Intro APR Intro APR Period Intro APR Intro APR Period
0% 12 Months 0% 12 Months 15.99% or 24.99%* Variable $79 Excellent
726 Average credit score approved for this card † 670 Lowest credit score approved for this card †

Citi® Hilton HHonors™ Visa Signature® Card
Citi® Hilton HHonors™ Visa Signature® Card
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at CitiBank's
secure site
  • Earn 40,000 Hilton HHonors Bonus Points after spending $1,000 within 4 months of account opening.*
  • Earn 6 HHonors Bonus Points for each $1 spent at a participating hotel within the Hilton HHonors portfolio.*
  • Earn 3 HHonors Bonus Points for each $1 spent on purchases at supermarkets, drugstores and gas stations.*
  • Earn 2 HHonors Bonus Points for each $1 spent on all other purchases.*
  • No annual fee.*
Purchases Balance Transfers Regular APR Annual Fee Credit Needed
Intro APR Intro APR Period Intro APR Intro APR Period
N/A N/A N/A N/A 14.24% or 16.24% Variable None Excellent
748 Average credit score approved for this card † 659 Lowest credit score approved for this card †

Citi® Dividend Platinum Select® Visa® Card
Citi® Dividend Platinum Select® Visa® Card
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at CitiBank's
secure site
  • Earn $100 cash back after $500 in purchases within the first 3 months of account opening
  • Earn 5% cash back every quarter in must-have categories. Right now, on purchases at The Home Depot®, home furnishing and home and garden stores from 4/1/14 through 6/30/14.
  • Enrollment each quarter is quick and easy
  • Earn 1% cash back on all other purchases.
  • The total cash back earned with the card is $300 per calendar year, excluding the $100 cash back with this offer. See Citi Dividend Card Reward Program Information.
  • 0% Intro APR on Purchases and Balance Transfers for 12 months. After that, the APR will be 12.99%-22.99% variable based on your creditworthiness*
  • No Annual Fee*
  • Click Apply Now to see pricing details
Purchases Balance Transfers Regular APR Annual Fee Credit Needed
Intro APR Intro APR Period Intro APR Intro APR Period
0%* 12 Months* 0%* 12 Months* 12.99% – 22.99%* Variable $0* Excellent
712 Average credit score approved for this card † 656 Lowest credit score approved for this card †

Williams-Sonoma Visa Signature® Card
Williams-Sonoma Visa Signature® Card
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at Barclaycard's
secure site
  • Receive 2,500 bonus points upon your first purchase
  • Enjoy free Online Shipping
  • Earn 3 Points per $1 spent at Williams-Sonoma
  • Earn 1 Point per $1 spent everywhere else
  • Earn $25 Gift Card bonuses or statement credits
  • Exclusive access to culinary experiences around the world
  • Plus no annual fee
  • Please see terms and conditions for complete detail
Purchases Balance Transfers Regular APR Annual Fee Credit Needed
Intro APR Intro APR Period Intro APR Intro APR Period
N/A N/A N/A N/A 13.74% – 21.74%* Variable $0 Good
712 Average credit score approved for this card † 691 Lowest credit score approved for this card †

Disclaimer: See the online credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the “Apply Here” button, you can review the credit card terms and conditions on the issuers website.