Credit Cards for Excellent Credit

17 Credit Cards for Credit Scores of 800 and Above (Excellent Credit)

Nearly 22% of Americans have a credit score above 800. If this is you, congratulations! You have access to the best loans and credit cards. When credit is extended to you, you’ll pay less in interest than someone with a lower score. You’ll be able to get the cards with the highest welcome offers and most lucrative rewards. So which credit cards will serve you best?

What Are the Benefits of Having an Excellent Credit Score?

Having an excellent credit score means you can get the best interest rates on loans, including car loans and mortgages. Those 0% financing ads the new car industry runs every so often? You qualify for those. You’ll also get better rates on homeowners insurance and car insurance.

Many credit cards have lucrative welcome offers, and 0% intro APR and you qualify for the best ones. Once you get that credit card, you’ll pay a lower interest rate than someone with a lower credit score. And you’ll be approved for higher credit limits as well. If you have an emergency, you’ll be able to deal with it.

You’ll also qualify for credit cards with better rewards, which brings us to our next point.

How to Maximize Your Credit Card Rewards

If you pay your balance every month (so you don’t pay any interest), your rewards are free money you get for using your card. By using a few credit cards that pay elevated rewards in different categories, your rewards will add up. It’s called rewards stacking.

Learn more: Introducing the 1-2-3 Cash Back System to Maximize Your Rewards

While rewards stacking is a smart move, the key to maximizing credit card rewards is what you do with them. Have you considered investing your cash back rewards? Our founder, Rob, is currently on a quest to invest his credit card rewards and has accumulated a cool $42k+. We’re tracking Rob’s investment journey in this article, where we also show you how to build your own rewards stacking stash. But before you dive into investing your rewards, let’s show you our favorite credit cards with excellent rewards and perks.

Credit Cards for Excellent Credit (Scores of 800 and Above)

The Platinum Card® from American Express 

Amex Platinum Card

Our Rating: 4.5

★★★★

The Platinum Card® from American Express

Welcome Offer (Terms Apply)

Earn 80,000 Membership Rewards® Points

Est. Value

Up to $1,600

Annual Fee

$695

APR

See Pay Over Time APR Variable

Credit Req’d

Excellent, Good

Rewards: When booking travel directly with American Express, cardholders will earn 5x membership reward points for every dollar spent.

In addition to having a generous welcome offer and ongoing rewards, The Platinum Card® from American Express has some great credits attached. Credits include up to $200 in Uber Cash (good for rides or food delivery), up to $240 digital entertainment credit, up to $200 hotel credit, up to $200 airline credit…the list goes on. If you enjoy traveling and want to do it in style, Amex Platinum is perfect for you.

1x points
On all other eligible purchases
1x on other purchases
5x points
Airfare
5x points on flights booked directly with airlines or with American Express Travel, on up to $500,000 on these purchases each calendar year
5x points
Hotels
5x points on prepaid hotels booked on amextravel.com

Pros

  • Welcome offer
  • No foreign transaction fee
  • Excellent annual credits
  • Lounge access
  • Up to 5x points

Cons

  • Annual fee
  • Requires good credit
App StatusDateCredit ScoreBureauCredit Limit
Approved04/25/2024
649
Not Provided
---
Approved03/20/2024
800
Not Provided
---
Approved04/28/2023
812
Equifax
---
Approved04/28/2023
820
TransUnion
---
Approved04/28/2023
825
Experian
---
Approved08/16/2023
698
Equifax
$25,000
Approved08/16/2023
709
Experian
$25,000
Approved08/16/2023
728
TransUnion
$25,000
Approved12/11/2023
695
TransUnion
---
Approved12/11/2023
713
Experian
---
Approved12/11/2023
714
Equifax
---
Approved01/04/2023
696
Not Provided
---
Approved06/21/2023
700
Not Provided
---
Approved01/23/2023
675
Not Provided
$6,000
Approved11/01/2023
683
Experian
---
Approved11/01/2023
703
TransUnion
---
Approved11/01/2023
718
Equifax
---
Approved08/17/2023
737
TransUnion
---
Approved08/17/2023
742
Equifax
---
Approved08/17/2023
758
Experian
---
Approved05/29/2024
680
Experian
---

American Express® Gold Card 

Amex Gold Card

Our Rating: 4.8

★★★★

American Express® Gold Card

Welcome Offer (Terms Apply)

Earn 60,000 Membership Rewards® Points

Est. Value

Up to $1,200

Annual Fee

$250

APR

See Pay Over Time APR Variable

Credit Req’d

Good, Excellent

Rewards: Earn 4x Membership Rewards® Points on restaurants and at U.S. Supermarkets, 3x Membership Rewards® Points on flights booked directly with airlines or with Amex Travel, and 1x Membership Rewards® Points on all other eligible purchases.

The American Express® Gold Card is a great choice for anyone who buys groceries or eats out. It offers 4x points on purchases at supermarkets, up to $25,000 a year. That’s a generous cap, meaning you can spend up to $480 a week on groceries. The card also offers 4x points on dining at restaurants. You won’t get as many travel benefits as you would with the The Platinum Card® from American Express, but the annual fee is much lower.

1x points
On all other eligible purchases
1x points on all other eligible purchases
3x points
Airfare
3x points on flights booked directly with airlines or on amextravel.com
4x points
U.S. supermarkets
4x points at U.S. supermarkets on up to $25,000 in purchases per year.
4x points
Dining
4x points at restaurants worldwide, plus takeout and delivery in the U.S.

Pros

  • Welcome offer
  • No foreign transaction fee
  • Up to 4x points
  • Excellent dining credit

Cons

  • Annual fee
  • Requires good credit
App StatusDateCredit ScoreBureauCredit Limit
Approved06/13/2023
699
TransUnion
$1,750
Approved02/03/2024
688
Equifax
---
Approved02/03/2024
690
Experian
---
Approved02/03/2024
731
TransUnion
---
Approved02/27/2023
700
Experian
---

Chase Sapphire Preferred® Card 

Chase Sapphire Preferred

Our Rating: 4.9

★★★★

Chase Sapphire Preferred® Card

Welcome Offer

Earn 60,000 bonus points

Est. Value

Up to $750

Annual Fee

$95

APR

21.49%-28.49% Variable

Credit Req’d

Excellent, Good

Rewards: Earn 5x points on travel purchased through Chase. 3x points on dining, select streaming services, and online groceries (excluding Target, Walmart, and wholesale clubs). 2x points on other travel. 1x points on other purchases.

There’s nothing not to like about The Chase Sapphire Preferred® Card. If you’re starting to travel more but don’t think a premium travel card is for you, this card is perfect. You get a great welcome offer, plus points on travel, dining, streaming, and online groceries. If you use your points for travel through Chase, you get a 25% boost in value. If you travel a lot and want more premium benefits, you might do better with this card’s upscale cousin, the Chase Sapphire Reserve®. But choose carefully, because you can only have one Sapphire card at a time.

1x points
On all other eligible purchases
1x points on all other purchases
2x points
Travel
2x points on all other travel purchases
3x points
U.S. supermarkets
Earn 3x points on online groceries (excluding Target, Walmart and wholesale clubs)
3x points
Streaming services
Earn 3x points on select streaming services
3x points
Dining
3x points on dining
5x points
Travel
5x points on travel purchased through Chase Travel(SM)

Pros

  • Welcome offer
  • No foreign transaction fee
  • Earns Chase Ultimate Rewards points
  • Up to 5x points

Cons

  • Annual fee
  • High APR
  • Requires good credit
App StatusDateCredit ScoreBureauCredit Limit
Approved11/25/2023
814
Experian
$5,000
Approved08/03/2023
872
Not Provided
$19,500
Approved12/29/2023
712
Experian
$15,000
Approved04/19/2023
737
Equifax
$16,000
Approved04/19/2023
747
Experian
$16,000
Approved04/19/2023
747
TransUnion
$16,000
Approved11/11/2023
800
Not Provided
$16,800
Approved04/18/2023
790
Experian
$17,300
Approved05/21/2023
703
Experian
$17,300
Approved04/04/2023
735
Equifax
$17,300
Approved04/04/2023
825
Experian
$17,300
Approved07/06/2023
735
Experian
$5,000
Approved07/06/2023
745
Equifax
$5,000
Approved07/06/2023
755
TransUnion
$5,000
Approved05/20/2024
750
Not Provided
$7,500
Approved05/02/2024
797
Experian
$22,500
Approved05/02/2024
848
TransUnion
$22,500
Approved06/03/2024
716
Not Provided
$5,000
Approved10/19/2023
720
Not Provided
$19,500
Approved03/04/2024
590
Not Provided
$5,000
Approved06/14/2023
759
Experian
$6,000
Approved04/06/2023
897
Not Provided
$23,800
Approved01/30/2024
645
Equifax
$9,000
Approved01/30/2024
645
TransUnion
$9,000
Approved01/30/2024
666
Experian
$9,000
Approved04/14/2023
765
Experian
$7,200
Approved04/14/2023
777
Equifax
$7,200
Approved04/14/2023
777
TransUnion
$7,200
Approved10/23/2023
745
TransUnion
$5,000
Approved10/03/2023
761
Equifax
$18,000
Approved10/03/2023
767
Experian
$18,000
Approved10/03/2023
774
TransUnion
$18,000
Approved05/06/2024
832
Not Provided
---
Approved05/06/2024
833
Not Provided
---
Denied01/04/2024
783
Not Provided
---
Denied04/18/2024
707
Equifax
---
Denied04/18/2024
714
Experian
---
Denied01/17/2024
795
Not Provided
---
Denied05/29/2024
727
Not Provided
---
Denied06/12/2024
770
Not Provided
---

Chase Sapphire Reserve®

Chase Sapphire Reserve

Our Rating: 4.9

★★★★

Chase Sapphire Reserve®

Welcome Offer

Earn 60,000 bonus points

Est. Value

Up to $900

Annual Fee

$550

APR

22.49%-29.49% Variable

Credit Req’d

Excellent

Rewards: Chase offers triple points per dollar spent on restaurants and travel and single points per dollar spent on all other categories.

The Chase Sapphire Reserve® is the premium version of the Sapphire Preferred. It’s well-loved for the high value of each Chase Rewards point. When you use your points to purchase travel through Chase, your points are worth 50% more. The annual travel credit and welcome offer are also very nice add-ons. As we mentioned in the card above, you can only have one Sapphire card at a time so choose the one that works best for you. If you travel frequently, you may prefer the Sapphire Reserve. If you only travel occasionally, the Sapphire Preferred may be a better fit.

1x points
On all other eligible purchases
Earn 1 point per dollar on all other eligible purchases.
3x points
Dining
Earn 3x points on other travel and dining.
5x points
Travel
Earn 5x points on flights when you purchase travel through Chase Travel(SM) immediately after the first $300 is spent on travel purchases annually.
10x points
Travel
10x on hotels and car rentals when you purchase travel through Chase Travel(SM) immediately after the first $300 is spent on travel purchases annually.

Pros

  • Welcome offer
  • No foreign transaction fee
  • Up to 10x points
  • Excellent statement credits
  • Transfer points to Chase travel partners

Cons

  • Annual fee
  • Requires good credit
App StatusDateCredit ScoreBureauCredit Limit
Approved04/08/2023
720
Not Provided
$10,000
Approved05/08/2023
830
Experian
$27,000
Approved02/06/2023
677
Experian
$10,700
Approved04/19/2023
806
Experian
$18,600
Approved04/19/2023
810
Equifax
$18,600
Approved04/19/2023
823
TransUnion
$18,600
Approved08/03/2023
700
TransUnion
$15,000
Approved09/30/2023
698
Experian
$25,500
Approved09/30/2023
730
TransUnion
$25,500
Approved09/30/2023
733
Equifax
$25,500
Approved09/30/2023
766
Equifax
$25,500
Approved12/14/2023
750
Experian
$10,000
Approved03/22/2023
719
Equifax
$21,700
Approved03/22/2023
752
TransUnion
$21,700
Approved03/22/2023
789
Experian
$21,700
Approved01/07/2023
821
Experian
$25,000
Approved01/07/2023
828
TransUnion
$25,000
Approved01/07/2023
838
Equifax
$25,000
Approved10/23/2023
751
Experian
$10,000
Approved10/23/2023
785
TransUnion
$10,000
Denied10/19/2023
749
TransUnion
---
Denied10/19/2023
765
Experian
---

Capital One Venture X Rewards Credit Card 

Capital One Venture X

Our Rating: 4.9

★★★★

Capital One Venture X Rewards Credit Card

Welcome Offer

Earn 75,000 bonus miles

Est. Value

Up to $1,312.50

Annual Fee

$395

APR

19.99% – 29.99% Variable

Credit Req’d

Excellent

Rewards: Earn up to 10 rewards miles per dollar spent on travel booked through Capital One plus an excellent up front welcome offer.

The Capital One Venture X Rewards Credit Card offers a great welcome bonus; plus when you combine that with the $300 travel credit, it’s like Capital One pays you to carry this card. It also offers 10,000 points on your cardmember anniversary and great mile rewards on travel. Even if you only travel occasionally, this is a great pick.

2x miles
On all other eligible purchases
2 Miles per dollar on every purchase, every day
5x miles
Airfare
5 Miles per dollar on flights booked through Capital One Travel
10x miles
Hotels
10 Miles per dollar on hotels booked through Capital One Travel
10x miles
Rental Cars
10 Miles per dollar on rental cars booked through Capital One Travel

Pros

  • Welcome offer
  • No foreign transaction fee
  • Up to 10x miles on purchases

Cons

  • Annual fee
  • Requires excellent credit
App StatusDateCredit ScoreBureauCredit Limit
Approved04/28/2024
791
Experian
$30,000
Approved04/08/2023
730
Not Provided
---
Approved04/25/2024
634
Not Provided
$3,000
Approved04/25/2024
650
Not Provided
$3,000
Approved04/25/2024
666
Not Provided
$3,000
Approved10/11/2023
820
Equifax
$20,000
Approved10/11/2023
828
TransUnion
$20,000
Approved10/11/2023
830
Experian
$20,000
Approved10/03/2023
800
Not Provided
$20,000
Approved04/11/2024
696
TransUnion
$15,000
Approved04/11/2024
702
Equifax
$15,000
Approved04/11/2024
728
Experian
$15,000
Approved05/27/2024
820
Experian
$30,000
Approved07/12/2023
677
Not Provided
$10,000
Approved08/08/2023
735
Experian
$10,000
Approved08/08/2023
739
TransUnion
$10,000
Approved08/08/2023
741
Equifax
$10,000
Approved11/04/2023
715
TransUnion
$20,000
Approved11/04/2023
717
Experian
$20,000
Approved09/18/2023
813
Not Provided
$20,000
Approved03/06/2023
720
Experian
$20,000
Approved03/06/2023
732
Equifax
$20,000
Approved03/06/2023
735
TransUnion
$20,000
Approved05/09/2024
758
Not Provided
$10,000
Approved09/13/2023
719
Not Provided
$15,000
Approved01/23/2024
822
TransUnion
$30,000
Approved01/23/2024
827
Experian
$30,000
Approved12/03/2023
734
Equifax
$20,000
Approved12/03/2023
744
TransUnion
$20,000
Approved12/03/2023
758
Experian
$20,000
Approved09/27/2023
741
Not Provided
$10,000
Approved12/14/2023
750
Experian
$10,000
Approved10/19/2023
776
Not Provided
$20,000
Approved04/10/2024
705
Experian
$30,000
Denied04/23/2024
815
Not Provided
---
Denied09/12/2023
761
Experian
---
Denied09/12/2023
776
Equifax
---
Denied09/12/2023
787
TransUnion
---
Denied12/31/2023
741
TransUnion
---
Denied12/31/2023
775
Equifax
---
Denied12/05/2023
754
TransUnion
---
Denied12/05/2023
769
Experian
---
Denied12/05/2023
777
Equifax
---
Denied04/03/2024
760
Not Provided
---

Capital One Venture Rewards Credit Card 

Capital One Venture

Our Rating: 4.5

★★★★

Capital One Venture Rewards Credit Card

Welcome Offer (Terms Apply)

Enjoy a one-time bonus of 75,000 Miles

Est. Value

Up to $1,312.50

Annual Fee

$95

APR

19.99% – 29.99% Variable

Credit Req’d

Excellent, Good

Rewards: Earn 5x miles on hotels and rental cars booked through Capital One Travel and 2x miles on other purchases.

If you’re just getting into the travel rewards game, The Capital One Venture Rewards Credit Card is an excellent choice. There’s a great welcome offer, and you’ll earn 5x miles on hotels and rental cars, 2x miles on all other purchases. You get an annual $50 experience credit to use on dining, drinks at the bar, or activities during your hotel stay. That credit slices the already reasonable fee in half. For the occasional domestic traveler, this card is a good bet.

2x miles
All eligible purchases
2 Miles per dollar on every purchase, every day
5x miles
Hotels
5 Miles per dollar on hotels and rental cars booked through Capital One Travel

Pros

  • Welcome offer
  • No foreign transaction fee
  • Up to 5x miles

Cons

  • Annual fee
  • Requires good credit
App StatusDateCredit ScoreBureauCredit Limit
Approved07/11/2023
686
TransUnion
$5,000
Approved07/11/2023
688
Equifax
$5,000
Approved07/11/2023
691
Experian
$5,000
Approved04/19/2024
783
Experian
$3,000
Approved04/19/2024
803
Equifax
$3,000

Wells Fargo Active Cash® Card 

Wells Fargo Active Cash

Our Rating: 4.9

★★★★

Wells Fargo Active Cash® Card

Welcome Offer

Earn a $200 cash rewards bonus

Est. Value

$200

Annual Fee

$0

APR

20.24%, 25.24% or 29.99% Variable

Credit Req’d

Good to Excellent 670 – 850

Rewards: Earn unlimited 2% cash rewards on purchases.

A good “daily driver” card that pays a flat rate on every purchase is a must. The Wells Fargo Active Cash® Card has no annual fee, a decent welcome offer, and it even has 0% introductory APR on both purchases and balance transfers. There’s also some nice benefits, including $600 in cell phone protection when you use your card to pay the bill.

2% cash back
All eligible purchases
Earn unlimited 2% cash rewards on purchases

Pros

  • Welcome offer
  • No annual fee
  • 2% cash back

Cons

  • Foreign transaction fee
  • Requires good credit
App StatusDateCredit ScoreBureauCredit Limit
Approved04/20/2023
810
Not Provided
$2,000
Approved09/02/2023
746
Experian
$6,000
Approved09/02/2023
774
Equifax
$6,000
Approved09/02/2023
786
TransUnion
$6,000
Approved06/03/2023
820
Equifax
$30,000
Approved02/18/2023
800
Not Provided
$20,000
Approved06/23/2023
700
Experian
$30,000
Approved04/14/2023
756
Experian
$13,000
Approved10/23/2023
745
Equifax
$12,000
Approved04/26/2023
743
Experian
$8,000
Approved04/26/2023
751
TransUnion
$8,000
Approved04/26/2023
765
Equifax
$8,000
Approved10/04/2023
721
Experian
$16,000
Approved09/24/2023
763
Experian
$15,000
Approved09/24/2023
784
TransUnion
$15,000
Approved09/24/2023
792
Equifax
$15,000
Denied04/01/2023
744
TransUnion
---
Denied04/01/2023
747
Experian
---
Denied04/01/2023
767
Equifax
---

Prime Visa

Our Rating: 4.5

★★★★

Prime Visa

Welcome Offer

Get a $200 Amazon Gift Card

Est. Value

$200

Annual Fee

$0

APR

20.49% – 29.24% Variable

Credit Req’d

Rewards: Unlimited 5% cash back at Amazon.com, Amazon Fresh, Whole Foods Market, and Chase Travel purchases. 2% cash back at gas stations, restaurants, and on local transit, with 1% cash back on all other purchases.

Online shopping has never been easier with Amazon, and the Prime Visa card gives you 5% cash back on every Amazon purchase. You also get 5% cash back at Whole Foods and Chase travel purchases booked through the Chase portal. Technically, there’s no annual fee, but you need to be an Amazon Prime member to apply (currently $139 a year). In addition to Amazon, you also earn elevated cash back on gas and at restaurants. There’s a small welcome offer when you’re approved.

1% cash back
On all other eligible purchases
Earn unlimited 1% back on all other purchases.
2% cash back
Dining
Earn unlimited 2% back at restaurants.
2% cash back
Gas
Earn unlimited 2% back at gas stations.
2% cash back
Transit
Earn unlimited 2% back on local transit and commuting (including rideshare).
5% cash back
Select Categories
Earn unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market with an eligible Prime membership.
5% cash back
Travel
Earn unlimited 5% back on Chase Travel purchases with an eligible Prime membership.
10% cash back
Select Categories
Eligible Prime cardmembers earn 10% back or more on a rotating selection of items and categories on Amazon.com.

Pros

  • Welcome offer
  • No annual fee
  • No foreign transaction fee
  • Up to 5% cash back

Cons

  • High APR
  • Need a Prime membership to get the best rewards
App StatusDateCredit ScoreBureauCredit Limit
Approved01/10/2023
730
Not Provided
---
Approved03/26/2024
747
Equifax
$2,000
Approved03/26/2024
753
Experian
$2,000
Approved05/17/2023
686
Not Provided
---
Approved02/01/2024
620
TransUnion
$4,400
Approved02/01/2024
637
Experian
$4,400
Approved02/01/2024
660
Equifax
$4,400
Approved07/08/2023
782
Equifax
$18,000
Approved07/08/2023
799
TransUnion
$18,000
Approved07/08/2023
806
Experian
$18,000
Approved07/17/2023
746
Experian
$8,600
Approved12/16/2024
778
Not Provided
$20,000
Approved03/17/2024
662
Experian
$1,500
Approved03/17/2024
678
Equifax
$1,500
Approved03/17/2024
684
TransUnion
$1,500
Approved06/27/2023
736
Experian
$2,000
Approved06/27/2023
771
Equifax
$2,000
Approved05/25/2023
820
Not Provided
$28,000
Approved05/25/2023
837
Not Provided
$28,000
Approved05/25/2023
844
Not Provided
$28,000
Approved06/01/2023
660
Experian
$3,000
Approved06/01/2023
677
TransUnion
$3,000
Approved06/01/2023
680
Equifax
$3,000
Approved06/14/2023
730
Not Provided
$5,000
Approved05/08/2023
725
Not Provided
$500
Approved07/11/2023
739
Experian
$20,000
Approved05/21/2023
704
Experian
$500
Approved12/12/2023
625
Experian
$1,900
Approved12/12/2023
635
Equifax
$1,900
Approved04/05/2023
670
Not Provided
$2,000
Approved04/03/2023
751
Experian
$17,300
Approved11/24/2023
760
Not Provided
$15,000
Approved01/24/2024
760
Not Provided
$30,000
Approved01/17/2024
750
Not Provided
---
Approved07/18/2023
758
Experian
$6,000
Approved05/10/2024
740
Not Provided
---
Approved08/07/2023
750
Not Provided
$5,700
Approved10/11/2023
811
Equifax
$5,000
Approved10/11/2023
814
TransUnion
$5,000
Approved10/11/2023
817
Experian
$5,000
Approved05/01/2023
771
Experian
$21,300
Approved05/09/2024
724
Not Provided
$9,000
Approved09/18/2023
750
Equifax
$9,000
Approved10/31/2023
646
Experian
$500
Approved10/31/2023
646
TransUnion
$500
Approved10/31/2023
665
Equifax
$500
Approved06/12/2023
741
Experian
$6,900
Approved06/12/2023
751
TransUnion
$6,900
Approved06/12/2023
759
Equifax
$6,900
Approved04/23/2023
681
Not Provided
$3,500
Denied04/03/2023
786
Not Provided
---
Denied11/07/2023
715
Not Provided
---

Marriott Bonvoy Boundless® Credit Card 

marriott bonvoy

Our Rating: 4.6

Marriott Bonvoy Boundless® Credit Card

Welcome Offer

Earn 3 Free Night Awards

Est. Value

Up 50,000 points

Annual Fee

$95

APR

21.49%–28.49% Variable

Credit Req’d

Excellent 740 – 850

Rewards: Earn up to 17x points for every $1 spent at hotels participating in Marriott Bonvoy®; 3x points per dollar on the first $6,000 spent in combined purchases each year on gas stations, grocery stores, and dining, and 2x on all other eligible purchases. 

The Marriott Bonvoy Boundless® Credit Card is a great credit card for those who sometimes stay at Marriott hotels. Cardholders can enjoy the annual free night, which wipes out the annual fee. You also get silver elite status, just enough to make your stay slightly more pleasant. You’ll earn points on gas, grocery stores, and dining. There’s a great welcome offer, and Marriott hotels are easy to find (over 8700 globally).

2x points
On all other eligible purchases
Earn 2X points for every $1 spent on all other purchases.
3x points
U.S. supermarkets
Earn 3X points per $1 on the first $6,000 spent in combined purchases each year on grocery stores, gas stations, and dining.
3x points
Dining
Earn 3X points per $1 on the first $6,000 spent in combined purchases each year on grocery stores, gas stations, and dining.
3x points
Gas
Earn 3X points per $1 on the first $6,000 spent in combined purchases each year on grocery stores, gas stations, and dining.
17x points
Hotels
Earn up to 17X total points per $1 spent at over 7,000 hotels participating in Marriott Bonvoy® with the Marriott Bonvoy Boundless® Card.

Pros

  • Welcome offer
  • No foreign transaction fee
  • Earn a free night every year

Cons

  • High APR
  • Requires good credit
App StatusDateCredit ScoreBureauCredit Limit
Approved04/25/2022
798
Experian
$10,000
Approved12/22/2023
755
Not Provided
---
Approved08/12/2023
800
Experian
$5,000
Approved09/02/2023
747
Not Provided
$10,500
Approved02/22/2023
801
Experian
$12,000
Approved03/16/2022
747
Experian
$5,100
Approved03/16/2022
756
Not Provided
$5,100
Approved03/16/2022
765
Not Provided
$5,100
Approved09/14/2023
700
Not Provided
---
Approved03/01/2024
761
Experian
$6,500
Approved01/11/2024
810
Not Provided
---
Approved07/28/2022
825
Experian
$23,300
Approved04/26/2022
720
Experian
$6,000
Approved06/09/2022
611
Not Provided
$9,500
Denied09/04/2023
704
Experian
---
Denied09/04/2023
723
Equifax
---
Denied09/04/2023
723
TransUnion
---
Denied09/04/2023
754
TransUnion
---

Blue Cash Preferred® Card from American Express 

American Express Blue Cash Preferred

Our Rating: 4.5

★★★★

Blue Cash Preferred® Card from American Express

Welcome Offer (Terms Apply)

Earn a $250 statement credit

Est. Value

$250

Annual Fee

$0 intro annual fee for the first year, then $95.

APR

19.24% – 29.99% Variable

Credit Req’d

Good, Excellent

Rewards: Earn 6% cash back on select U.S. streaming services and on groceries up to $6,000 per year at U.S. supermarkets, then 1%. 3% cash back at U.S. gas stations and transit. 1% cash back on other purchases. The cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or on Amazon.com at checkout.

Great cash back rewards on groceries and streaming, plus 3% cash back at gas stations make the Blue Cash Preferred® Card from American Express a winner. Not many cards offer 6% cash back on anything, but with this card, you get 6% on groceries and streaming. Yes, it’s true that the grocery rewards are capped (up to $6,000 a year in purchases), but the streaming and gas rewards are not. Add in a welcome offer and credits like $84 annually for the Disney bundle, and this card is a no-brainer.

1% cash back
On all other eligible purchases
1% cash back on all other eligible purchases
3% cash back
Gas
3% cash back at U.S. gas stations
3% cash back
Transit
Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more)
6% cash back
U.S. supermarkets
6% cash back on groceries up to $6,000 per year in purchases at U.S. supermarkets, then 1%
6% cash back
Streaming services
6% cash back on select U.S. streaming subscriptions

Pros

  • Welcome offer
  • Up to 6% cash back

Cons

  • Annual fee
  • High APR
  • Foreign transaction fee
App StatusDateCredit ScoreBureauCredit Limit
Approved01/19/2023
825
Not Provided
$6,000
Approved05/04/2023
738
Experian
$20,000
Approved05/04/2023
748
TransUnion
$20,000
Approved05/04/2023
755
Equifax
$20,000

Capital One Savor Rewards Credit Card 

Capital One Savor Cash Rewards Credit Card

Our Rating: 4.5

★★★★

Capital One Savor Rewards Credit Card

Welcome Offer

$300 cash bonus

Est. Value

$300

Annual Fee

$95

APR

19.99% – 29.99% Variable

Credit Req’d

Excellent 740 – 850

Rewards: Earn unlimited 4% cash back on dining, entertainment, and popular streaming services, 3% at grocery stores and 1% on all other purchases.

The Capital One Savor Rewards Credit Card is perfect for those who enjoy eating out and watching shows in the evenings. You get 10% cash back at Uber and Uber Eats as well, plus Capital One will cover the cost of your Uber One membership until 11/14/24. You earn 3% cash back on groceries as well, which isn’t bad. If you want a card with just a smidgen less rewards and no annual fee, consider the Capital One SavorOne Cash Rewards Credit Card.

1% cash back
On all other eligible purchases
Earn 1% cash back on all other purchases.
3% cash back
U.S. supermarkets
Earn 3% cash back at grocery stores. (Excludes superstores like Walmart® and Target®.)
4% cash back
Streaming services
Earn unlimited 4% cash back on popular streaming services.
4% cash back
Dining
Earn unlimited 4% cash back on dining.
4% cash back
Entertainment
Earn unlimited 4% cash back on entertainment.
5% cash back
Hotels
Earn unlimited 5% cash back on hotels booked through Capital One Travel.
5% cash back
Rental Cars
Earn unlimited 5% cash back on rental cars booked through Capital One Travel.
8% cash back
Entertainment
Earn 8% cash back on Capital One Entertainment purchases.
10% cash back
Select Categories
Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024.

Pros

  • Welcome offer
  • No foreign transaction fee
  • Up to 5% cash back

Cons

  • Annual fee
  • High APR
  • Requires good credit
App StatusDateCredit ScoreBureauCredit Limit
Approved04/12/2024
685
Equifax
$20,000
Approved11/15/2023
647
Not Provided
$500
Approved09/22/2022
630
TransUnion
$3,000
Denied08/20/2022
634
Not Provided
---

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

U.S. Bank Altitude Connect Visa Signature Card

Our Rating: 4.8

★★★★

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

Welcome Offer (Terms Apply)

50,000 bonus points

Est. Value

$500

Annual Fee

$0 intro annual fee for the first year, $95/year thereafter.

APR

21.24% – 29.24% Variable

Credit Req’d

Excellent 740 – 850

Rewards: Earn 5x points on prepaid hotels and car rentals booked directly in the Altitude Rewards Center. 4x points at gas stations, EV charging stations, and travel. 2x points on dining, streaming services, grocery stores, and grocery delivery. 1x points on other purchases.

The U.S. Bank Altitude® Connect Visa Signature® Card offers elevated rewards on many everyday purchases, such as gas and EV charging stations, and 2x points on dining, streaming, and grocery stores. There’s a reasonable annual fee (waived for the first year), an excellent welcome offer, and no foreign transaction fees. And you get four free visits to Priority Pass airport lounges each year.

1x points
On all other eligible purchases
Earn 1x points on all other eligible purchases.
2x points
U.S. supermarkets
Earn 2x points for every $1 on grocery store and supermarket purchases. Effective September 9, 2024, grocery store and supermarket purchases at discount stores/supercenters such as Target and Walmart and wholesale clubs will be excluded.
2x points
Streaming services
Earn 2x points on streaming services.
2x points
Dining
Earn 2x points on dining.
4x points
Travel
Earn 4x points on travel.
4x points
Gas
You will earn 4x points for every $1 on gas station and electric vehicle charging station purchases through September 8, 2024. Effective September 9, 2024, you will earn 4x points for every $1 on your first $1,000 each quarter on gas station and electric vehicle charging station purchases, excluding purchases at wholesale clubs, discount stores/supercenters and grocery stores/supermarkets.
5x points
Hotels
Earn 5x points on prepaid hotels booked directly in the Altitude Rewards Center.
5x points
Rental Cars
Earn 5x points on prepaid car rentals booked directly in the Altitude Rewards Center.

Pros

  • Welcome offer
  • No foreign transaction fee

Cons

  • Annual fee
  • Requires good credit
App StatusDateCredit ScoreBureauCredit Limit
Approved03/19/2022
680
Not Provided
$5,000
Approved07/06/2022
847
TransUnion
$20,000
Approved02/24/2022
791
Experian
$17,000
Approved04/03/2022
735
Experian
$2,000
Approved10/12/2022
800
TransUnion
$25,000
Approved04/04/2023
780
Not Provided
$13,000
Approved08/04/2022
812
TransUnion
$5,000
Approved09/22/2022
805
Experian
$10,000
Approved08/28/2022
800
TransUnion
$500
Approved12/09/2022
741
Experian
$2,000
Approved12/09/2022
769
Equifax
$2,000
Approved12/09/2022
774
TransUnion
$2,000
Approved08/06/2022
728
Experian
$2,000
Approved06/01/2022
699
Equifax
$600
Approved09/07/2022
815
TransUnion
$15,000
Approved06/28/2022
765
Not Provided
$9,500
Approved02/21/2022
785
Equifax
$2,000
Approved02/21/2022
786
Experian
$2,000

 Citi® Double Cash Card

Citi Double Cash

Our Rating: 4.9

★★★★

Citi® Double Cash Card

Welcome Offer

Earn $200 cash back

Est. Value

$200

Annual Fee

$0

APR

19.24% – 29.24% Variable

Credit Req’d

Good to Excellent 670 – 850

Rewards: Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.

The Citi® Double Cash Card is the card for you if you want a simple cash back structure you don’t have to think about. You get unlimited 2% cash back on every purchase. Every purchase: no categories, nothing to sign up for, nothing to remember. There’s also 0% intro APR on balance transfers, so any debt you have from higher-interest cards is that much easier to pay off. And right now, there’s a welcome offer, which this card doesn’t always have.

2% cash back
All eligible purchases
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.

Pros

  • Welcome offer
  • No annual fee
  • Up to 2% cash back

Cons

  • Foreign transaction fee
  • Requires good credit
App StatusDateCredit ScoreBureauCredit Limit
Approved04/21/2024
635
TransUnion
$3,500
Approved04/21/2024
670
Equifax
$3,500
Approved03/12/2024
726
Equifax
$3,800
Approved03/12/2024
731
Equifax
$3,800
Approved03/12/2024
745
Equifax
$3,800
Approved03/12/2024
765
Equifax
$3,800
Approved03/12/2024
800
Experian
$3,800
Approved03/12/2024
806
TransUnion
$3,800
Approved02/03/2024
780
Experian
$6,900
Approved02/03/2024
794
TransUnion
$6,900
Approved02/03/2024
813
Equifax
$6,900
Approved01/19/2024
840
Not Provided
$11,500
Approved12/12/2023
800
Not Provided
$7,000
Approved01/11/2024
730
Not Provided
---
Approved05/22/2024
805
Experian
$6,800
Approved11/13/2023
760
Not Provided
$3,000
Approved11/28/2023
740
TransUnion
$9,000
Approved11/28/2023
801
Experian
$9,000
Approved11/28/2023
810
Equifax
$9,000
Denied01/03/2024
800
Not Provided
---
Denied05/10/2024
793
Not Provided
---

Apple Card

Our Rating: 4.3

★★★★

Apple Card

Welcome Offer

None

Est. Value

None

Annual Fee

$0

APR

19.24% to 29.49% Variable

Credit Req’d

Good to Excellent 670 – 850

Rewards: Earn 3% cash back when you use your Apple Card with Apple Pay on purchases directly from Apple. 3% cash back on select merchants with Apple Pay. 2% cash back on purchases with Apple Pay and 1% cash back on other purchases.

If you anxiously await for another product drop from Apple so that you can be the first in line, the Apple Card is for you. It works best if you use your Apple Card with Apple Pay to pay for Apple purchases, as you’ll earn 3% cash back. You’ll also earn 2% cash back on other Apple Pay purchases. There’s no welcome offer though, and rewards beyond using Apple Pay are limited to just 1% cash back.

1% cash back
On all other eligible purchases
1% cash back on purchases made with the Apple Card.
2% cash back
All eligible purchases
2% cash back on purchases when you use your Apple Card with Apple Pay.
3% cash back
Select Categories
3% cash back on goods or services when you use your Apple Card with Apple Pay on purchases directly from Apple. These include purchases from Apple retail stores, the Apple online store, iTunes, Apple Music and other Apple-owned properties. App Store purchases (including In-App Purchases ).
3% cash back
Select Categories
3% cash back on select merchants when you use your Apple Card with Apple Pay: Ace Hardware, Duane Reed, Exxon, Mobil, Nike, T-Mobile, Panera Bread, Uber, Uber Eats, Walgreens

Pros

  • No annual fee
  • No foreign transaction fee
  • Up to 3% cash back

Cons

  • No welcome bonus
App StatusDateCredit ScoreBureauCredit Limit
Approved03/30/2023
711
Experian
$3,000
Approved04/25/2023
670
Not Provided
$1,250
Approved01/02/2023
623
TransUnion
$1,500
Approved01/02/2023
628
Experian
$1,500
Approved01/02/2023
633
Equifax
$1,500
Approved03/14/2023
657
TransUnion
$1,500
Approved01/03/2023
771
Experian
$6,500
Approved03/04/2024
714
TransUnion
$7,000
Approved03/04/2024
734
Experian
$7,000
Approved02/27/2023
720
TransUnion
$5,500
Approved08/05/2023
771
Equifax
$7,500
Approved08/05/2023
771
Experian
$7,500
Approved08/05/2023
787
TransUnion
$7,500
Denied04/05/2023
755
Experian
---
Denied11/29/2023
776
TransUnion
---

Citi Custom Cash® Card

Citi Custom Cash

Our Rating: 4.7

★★★★

Citi Custom Cash® Card

Welcome Offer

Earn $200 in cash back

Est. Value

$200

Annual Fee

$0

APR

19.24% – 29.24% Variable

Credit Req’d

Good 670 – 739, Excellent 740 – 850

Rewards: Earn 5% cash back in your top eligible spend category each billing cycle up to the first $500 spent, then 1%. Unlimited 1% cash back on other purchases.

The Citi Custom Cash® Card automatically figures out what category you spend the most money in every month and then gives you 5% cash back for that category. You don’t have to do anything–no enrollment, no signing up for a rotating category, nothing. You earn 5% cash back on up to $500 spent per billing cycle. There’s no annual fee, and you get 0% intro APR on purchases and balance transfers for the first 15 months. You only earn 1% cash back on everything else, though. Consider pairing this card with a 2% cash back card like the Wells Fargo Active Cash® Card.

1% cash back
On all other eligible purchases
Earn unlimited 1% cash back on all other purchases.
5% cash back
Select Categories
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.

Pros

  • Welcome offer
  • No annual fee
  • Up to 5% cash back

Cons

  • High APR
  • Foreign transaction fee
App StatusDateCredit ScoreBureauCredit Limit
Approved02/06/2023
748
Experian
$3,800
Approved02/06/2023
759
TransUnion
$3,800
Approved02/06/2023
761
Equifax
$3,800
Approved10/04/2023
784
Experian
$5,300
Approved10/04/2023
801
TransUnion
$5,300
Approved10/04/2023
811
Equifax
$5,300
Approved09/13/2023
800
Not Provided
$11,600
Approved10/24/2023
720
Equifax
$8,000
Approved07/17/2023
790
Equifax
$3,000
Approved01/17/2023
800
TransUnion
$5,300
Denied05/12/2023
800
Not Provided
---
Denied05/19/2024
762
Not Provided
---

Chase Freedom Unlimited®

Chase Freedom Unlimited

Our Rating: 4.9

★★★★

Chase Freedom Unlimited®

Welcome Offer

Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year)

Est. Value

$200

Annual Fee

$0

APR

20.49% – 29.24% Variable

Credit Req’d

Excellent, Good

Rewards: Earn 5% cash back on travel purchases through Chase (after your first year or $20,000 spent). 3% cash back on dining and drugstore purchases. 1.5% cash back on other purchases.

The Chase Freedom Unlimited® is a great no-annual fee card. You get 0% intro APR on purchases and balance transfers for 15 months, 5% cash back on travel purchased through Chase, and 3% on dining and at drugstores. You get a nice suite of benefits such as trip cancellation/trip interruption insurance and auto rental collision damage waiver.

1.5% cash back
On all other eligible purchases
Earn 1.5% cash back on all other purchases
3% cash back
Drugstores
Earn 3% on drugstore purchases
3% cash back
Dining
Earn 3% cash back on dining at restaurants, including takeout and eligible delivery services
5% cash back
Travel
5% cash back on all travel purchased through Chase Travel(SM)

Pros

  • Welcome offer
  • No annual fee
  • Up to 5% cash back

Cons

  • Foreign transaction fee
  • Requires good credit
App StatusDateCredit ScoreBureauCredit Limit
Approved03/20/2023
785
Experian
$5,000
Approved07/18/2023
765
Experian
$12,500
Approved07/18/2023
773
TransUnion
$12,500
Approved07/18/2023
785
Equifax
$12,500
Approved09/06/2023
754
Experian
$9,000
Approved09/08/2023
740
Equifax
$15,000
Denied09/05/2023
738
Experian
---
Denied09/05/2023
740
Equifax
---
Denied09/05/2023
750
TransUnion
---

 Chase Freedom Flex® 

Our Rating: 4.7

★★★★

Chase Freedom Flex®

Welcome Offer

$200

Est. Value

$200

Annual Fee

$0

APR

20.49%–29.24% Variable

Credit Req’d

Good to Excellent 670 – 850

Rewards: Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate and on travel purchased through Chase. 3% cash back on dining and drugstore purchases. 1% cash back on other purchases.

The Chase Freedom Flex® allows you to earn 5% cash back in selected rotating categories per quarter. The categories include things like gas, groceries, Amazon, dining, and streaming services. If you pair this with the Chase Freedom Unlimited® you can get 5% cash back on the rotating category and 1.5% cash back on everything else, or 3% cash back for the first year.

1% cash back
On all other eligible purchases
1% cash back on all other purchases
3% cash back
Drugstores
3% cash back on drugstore purchases
3% cash back
Dining
3% cash back on dining at restaurants, including takeout and eligible delivery services
5% cash back
Rotating Categories
5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate
5% cash back
Travel
5% cash back on travel purchased through Chase Travel(SM)

Pros

  • Welcome offer
  • No annual fee
  • Up to 5% cash back
  • Earns Chase Ultimate Rewards points

Cons

  • Foreign transaction fee
  • Requires good credit
  • Keeping track of quarterly bonus categories
App StatusDateCredit ScoreBureauCredit Limit
Approved04/02/2023
741
TransUnion
$14,000
Approved04/02/2023
748
Experian
$14,000
Approved08/02/2023
800
Not Provided
$19,000
Approved06/05/2022
746
Experian
---
Approved06/05/2022
748
TransUnion
---
Approved10/24/2023
800
Not Provided
$8,600
Approved09/03/2023
795
Experian
$22,500
Approved09/03/2023
847
TransUnion
$22,500
Approved06/02/2023
789
TransUnion
$12,000
Approved06/02/2023
791
Experian
$12,000

Summary

Lenders and credit card companies are lining up to lend you money if your credit score is over 800. Your terms will be favorable, and your interest rates will be lower than those with poor for fair credit. But don’t get carried away. Maintain that great credit score by keeping your utilization low and by paying your balance in full every month. And congrats.