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

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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 points on other eligible purchases

5x points

Airfare

5x Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year

5x points

Hotels

5x Membership Rewards® Points on prepaid hotels booked with American Express Travel.

Pros

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

Cons

Annual fee
Requires good credit

App Status	Date	Credit Score	Bureau	Credit Limit
Approved	04/25/2024	649	Not Provided	---
Approved	03/20/2024	800	Not Provided	---
Approved	04/28/2023	812	Equifax	---
Approved	04/28/2023	820	TransUnion	---
Approved	04/28/2023	825	Experian	---
Approved	08/16/2023	698	Equifax	$25,000
Approved	08/16/2023	709	Experian	$25,000
Approved	08/16/2023	728	TransUnion	$25,000
Approved	12/11/2023	695	TransUnion	---
Approved	12/11/2023	713	Experian	---
Approved	12/11/2023	714	Equifax	---
Approved	01/04/2023	696	Not Provided	---
Approved	06/21/2023	700	Not Provided	---
Approved	01/23/2023	675	Not Provided	$6,000
Approved	11/01/2023	683	Experian	---
Approved	11/01/2023	703	TransUnion	---
Approved	11/01/2023	718	Equifax	---
Approved	08/17/2023	737	TransUnion	---
Approved	08/17/2023	742	Equifax	---
Approved	08/17/2023	758	Experian	---
Approved	05/29/2024	680	Experian	---

American Express® Gold Card

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Our Rating: 4.8

★★★★★☆

American Express® Gold Card

Welcome Offer (Terms Apply)

60,000 points + earn up to $100 back

Est. Value

Up to $1,300

Annual Fee

$325

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

Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.

2x points

Hotels

Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.

3x points

Airfare

Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.

4x points

U.S. supermarkets

Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.

4x points

Dining

Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.

Pros

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

Cons

Annual fee
Requires good credit

App Status	Date	Credit Score	Bureau	Credit Limit
Approved	06/13/2023	699	TransUnion	$1,750
Approved	02/03/2024	688	Equifax	---
Approved	02/03/2024	690	Experian	---
Approved	02/03/2024	731	TransUnion	---
Approved	02/27/2023	700	Experian	---

Chase Sapphire Preferred® Card

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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 Status	Date	Credit Score	Bureau	Credit Limit
Approved	11/25/2023	814	Experian	$5,000
Approved	08/03/2023	872	Not Provided	$19,500
Approved	12/29/2023	712	Experian	$15,000
Approved	04/19/2023	737	Equifax	$16,000
Approved	04/19/2023	747	Experian	$16,000
Approved	04/19/2023	747	TransUnion	$16,000
Approved	11/11/2023	800	Not Provided	$16,800
Approved	04/18/2023	790	Experian	$17,300
Approved	05/21/2023	703	Experian	$17,300
Approved	04/04/2023	735	Equifax	$17,300
Approved	04/04/2023	825	Experian	$17,300
Approved	07/06/2023	735	Experian	$5,000
Approved	07/06/2023	745	Equifax	$5,000
Approved	07/06/2023	755	TransUnion	$5,000
Approved	05/20/2024	750	Not Provided	$7,500
Approved	05/02/2024	797	Experian	$22,500
Approved	05/02/2024	848	TransUnion	$22,500
Approved	06/03/2024	716	Not Provided	$5,000
Approved	10/19/2023	720	Not Provided	$19,500
Approved	03/04/2024	590	Not Provided	$5,000
Approved	06/14/2023	759	Experian	$6,000
Approved	04/06/2023	897	Not Provided	$23,800
Approved	01/30/2024	645	Equifax	$9,000
Approved	01/30/2024	645	TransUnion	$9,000
Approved	01/30/2024	666	Experian	$9,000
Approved	04/14/2023	765	Experian	$7,200
Approved	04/14/2023	777	Equifax	$7,200
Approved	04/14/2023	777	TransUnion	$7,200
Approved	10/23/2023	745	TransUnion	$5,000
Approved	10/03/2023	761	Equifax	$18,000
Approved	10/03/2023	767	Experian	$18,000
Approved	10/03/2023	774	TransUnion	$18,000
Approved	05/06/2024	832	Not Provided	---
Approved	05/06/2024	833	Not Provided	---
Denied	01/04/2024	783	Not Provided	---
Denied	04/18/2024	707	Equifax	---
Denied	04/18/2024	714	Experian	---
Denied	01/17/2024	795	Not Provided	---
Denied	05/29/2024	727	Not Provided	---
Denied	06/12/2024	770	Not Provided	---

Chase Sapphire Reserve®

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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 Status	Date	Credit Score	Bureau	Credit Limit
Approved	04/08/2023	720	Not Provided	$10,000
Approved	05/08/2023	830	Experian	$27,000
Approved	02/06/2023	677	Experian	$10,700
Approved	04/19/2023	806	Experian	$18,600
Approved	04/19/2023	810	Equifax	$18,600
Approved	04/19/2023	823	TransUnion	$18,600
Approved	08/03/2023	700	TransUnion	$15,000
Approved	09/30/2023	698	Experian	$25,500
Approved	09/30/2023	730	TransUnion	$25,500
Approved	09/30/2023	733	Equifax	$25,500
Approved	09/30/2023	766	Equifax	$25,500
Approved	12/14/2023	750	Experian	$10,000
Approved	03/22/2023	719	Equifax	$21,700
Approved	03/22/2023	752	TransUnion	$21,700
Approved	03/22/2023	789	Experian	$21,700
Approved	01/07/2023	821	Experian	$25,000
Approved	01/07/2023	828	TransUnion	$25,000
Approved	01/07/2023	838	Equifax	$25,000
Approved	10/23/2023	751	Experian	$10,000
Approved	10/23/2023	785	TransUnion	$10,000
Denied	10/19/2023	749	TransUnion	---
Denied	10/19/2023	765	Experian	---

Capital One Venture X Rewards Credit Card

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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 10x miles on hotels and rental cars booked through Capital One Travel, 5x miles on flights and vacation rentals booked through Capital One Travel, and 2x miles on other purchases.

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

Earn unlimited 2x miles on all other purchases

5x miles

Select Categories

Earn 5x miles on vacation rentals booked through Capital One Travel

5x miles

Airfare

Earn 5x miles on flights booked through Capital One Travel

10x miles

Hotels

Earn unlimited 10x miles on hotels booked through Capital One Travel

10x miles

Rental Cars

Earn unlimited 10x miles 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 Status	Date	Credit Score	Bureau	Credit Limit
Approved	04/28/2024	791	Experian	$30,000
Approved	04/08/2023	730	Not Provided	---
Approved	04/25/2024	634	Not Provided	$3,000
Approved	04/25/2024	650	Not Provided	$3,000
Approved	04/25/2024	666	Not Provided	$3,000
Approved	10/11/2023	820	Equifax	$20,000
Approved	10/11/2023	828	TransUnion	$20,000
Approved	10/11/2023	830	Experian	$20,000
Approved	10/03/2023	800	Not Provided	$20,000
Approved	04/11/2024	696	TransUnion	$15,000
Approved	04/11/2024	702	Equifax	$15,000
Approved	04/11/2024	728	Experian	$15,000
Approved	05/27/2024	820	Experian	$30,000
Approved	07/12/2023	677	Not Provided	$10,000
Approved	08/08/2023	735	Experian	$10,000
Approved	08/08/2023	739	TransUnion	$10,000
Approved	08/08/2023	741	Equifax	$10,000
Approved	11/04/2023	715	TransUnion	$20,000
Approved	11/04/2023	717	Experian	$20,000
Approved	09/18/2023	813	Not Provided	$20,000
Approved	03/06/2023	720	Experian	$20,000
Approved	03/06/2023	732	Equifax	$20,000
Approved	03/06/2023	735	TransUnion	$20,000
Approved	05/09/2024	758	Not Provided	$10,000
Approved	09/13/2023	719	Not Provided	$15,000
Approved	01/23/2024	822	TransUnion	$30,000
Approved	01/23/2024	827	Experian	$30,000
Approved	12/03/2023	734	Equifax	$20,000
Approved	12/03/2023	744	TransUnion	$20,000
Approved	12/03/2023	758	Experian	$20,000
Approved	09/27/2023	741	Not Provided	$10,000
Approved	12/14/2023	750	Experian	$10,000
Approved	10/19/2023	776	Not Provided	$20,000
Approved	04/10/2024	705	Experian	$30,000
Denied	04/23/2024	815	Not Provided	---
Denied	09/12/2023	761	Experian	---
Denied	09/12/2023	776	Equifax	---
Denied	09/12/2023	787	TransUnion	---
Denied	12/31/2023	741	TransUnion	---
Denied	12/31/2023	775	Equifax	---
Denied	12/05/2023	754	TransUnion	---
Denied	12/05/2023	769	Experian	---
Denied	12/05/2023	777	Equifax	---
Denied	04/03/2024	760	Not Provided	---

Capital One Venture Rewards Credit Card

Learn More

Our Rating: 4.5

★★★★★☆

Capital One Venture Rewards Credit Card

Welcome Offer (Terms Apply)

Limited-time offer: For a limited time, earn 75,000 Miles

Est. Value

Up to $1,000

Annual Fee

$95

APR

19.99% – 29.99% Variable

Credit Req’d

Excellent, Good

Rewards: Earn 5x miles on hotels, vacation rentals, 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, vacation rentals, and rental cars, and 2x miles on all other purchases. You get a $50 experience credit and other premium benefits with every hotel and vacation rental booked from the Lifestyle Collection. For the occasional domestic traveler, this card is a good bet.

2x miles

All eligible purchases

Earn unlimited 2x miles on every purchase, every day

5x miles

Select Categories

Earn 5x miles on vacation rentals booked through Capital One Travel

5x miles

Hotels

Earn 5x miles on hotels booked through Capital One Travel

5x miles

Rental Cars

Earn 5x miles on 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 Status	Date	Credit Score	Bureau	Credit Limit
Approved	07/11/2023	686	TransUnion	$5,000
Approved	07/11/2023	688	Equifax	$5,000
Approved	07/11/2023	691	Experian	$5,000
Approved	04/19/2024	783	Experian	$3,000
Approved	04/19/2024	803	Equifax	$3,000

Wells Fargo Active Cash® Card

Learn More

Our Rating: 4.9

★★★★★☆

Wells Fargo Active Cash® Card

Welcome Offer

Earn a $200 cash rewards bonus

Est. Value

$200

Annual Fee

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 Status	Date	Credit Score	Bureau	Credit Limit
Approved	04/20/2023	810	Not Provided	$2,000
Approved	09/02/2023	746	Experian	$6,000
Approved	09/02/2023	774	Equifax	$6,000
Approved	09/02/2023	786	TransUnion	$6,000
Approved	06/03/2023	820	Equifax	$30,000
Approved	02/18/2023	800	Not Provided	$20,000
Approved	06/23/2023	700	Experian	$30,000
Approved	04/14/2023	756	Experian	$13,000
Approved	10/23/2023	745	Equifax	$12,000
Approved	04/26/2023	743	Experian	$8,000
Approved	04/26/2023	751	TransUnion	$8,000
Approved	04/26/2023	765	Equifax	$8,000
Approved	10/04/2023	721	Experian	$16,000
Approved	09/24/2023	763	Experian	$15,000
Approved	09/24/2023	784	TransUnion	$15,000
Approved	09/24/2023	792	Equifax	$15,000
Denied	04/01/2023	744	TransUnion	---
Denied	04/01/2023	747	Experian	---
Denied	04/01/2023	767	Equifax	---

Prime Visa

Learn More

Our Rating: 4.5

★★★★★☆

Prime Visa

Welcome Offer

Get a $200 Amazon Gift Card

Est. Value

$200

Annual Fee

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 Status	Date	Credit Score	Bureau	Credit Limit
Approved	01/10/2023	730	Not Provided	---
Approved	03/26/2024	747	Equifax	$2,000
Approved	03/26/2024	753	Experian	$2,000
Approved	05/17/2023	686	Not Provided	---
Approved	02/01/2024	620	TransUnion	$4,400
Approved	02/01/2024	637	Experian	$4,400
Approved	02/01/2024	660	Equifax	$4,400
Approved	07/08/2023	782	Equifax	$18,000
Approved	07/08/2023	799	TransUnion	$18,000
Approved	07/08/2023	806	Experian	$18,000
Approved	07/17/2023	746	Experian	$8,600
Approved	12/16/2024	778	Not Provided	$20,000
Approved	03/17/2024	662	Experian	$1,500
Approved	03/17/2024	678	Equifax	$1,500
Approved	03/17/2024	684	TransUnion	$1,500
Approved	06/27/2023	736	Experian	$2,000
Approved	06/27/2023	771	Equifax	$2,000
Approved	05/25/2023	820	Not Provided	$28,000
Approved	05/25/2023	837	Not Provided	$28,000
Approved	05/25/2023	844	Not Provided	$28,000
Approved	06/01/2023	660	Experian	$3,000
Approved	06/01/2023	677	TransUnion	$3,000
Approved	06/01/2023	680	Equifax	$3,000
Approved	06/14/2023	730	Not Provided	$5,000
Approved	05/08/2023	725	Not Provided	$500
Approved	07/11/2023	739	Experian	$20,000
Approved	05/21/2023	704	Experian	$500
Approved	12/12/2023	625	Experian	$1,900
Approved	12/12/2023	635	Equifax	$1,900
Approved	04/05/2023	670	Not Provided	$2,000
Approved	04/03/2023	751	Experian	$17,300
Approved	11/24/2023	760	Not Provided	$15,000
Approved	01/24/2024	760	Not Provided	$30,000
Approved	01/17/2024	750	Not Provided	---
Approved	07/18/2023	758	Experian	$6,000
Approved	05/10/2024	740	Not Provided	---
Approved	08/07/2023	750	Not Provided	$5,700
Approved	10/11/2023	811	Equifax	$5,000
Approved	10/11/2023	814	TransUnion	$5,000
Approved	10/11/2023	817	Experian	$5,000
Approved	05/01/2023	771	Experian	$21,300
Approved	05/09/2024	724	Not Provided	$9,000
Approved	09/18/2023	750	Equifax	$9,000
Approved	10/31/2023	646	Experian	$500
Approved	10/31/2023	646	TransUnion	$500
Approved	10/31/2023	665	Equifax	$500
Approved	06/12/2023	741	Experian	$6,900
Approved	06/12/2023	751	TransUnion	$6,900
Approved	06/12/2023	759	Equifax	$6,900
Approved	04/23/2023	681	Not Provided	$3,500
Denied	04/03/2023	786	Not Provided	---
Denied	11/07/2023	715	Not Provided	---

Marriott Bonvoy Boundless® Credit Card

Learn More

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 Status	Date	Credit Score	Bureau	Credit Limit
Approved	04/25/2022	798	Experian	$10,000
Approved	12/22/2023	755	Not Provided	---
Approved	08/12/2023	800	Experian	$5,000
Approved	09/02/2023	747	Not Provided	$10,500
Approved	02/22/2023	801	Experian	$12,000
Approved	03/16/2022	747	Experian	$5,100
Approved	03/16/2022	756	Not Provided	$5,100
Approved	03/16/2022	765	Not Provided	$5,100
Approved	09/14/2023	700	Not Provided	---
Approved	03/01/2024	761	Experian	$6,500
Approved	01/11/2024	810	Not Provided	---
Approved	07/28/2022	825	Experian	$23,300
Approved	04/26/2022	720	Experian	$6,000
Approved	06/09/2022	611	Not Provided	$9,500
Denied	09/04/2023	704	Experian	---
Denied	09/04/2023	723	Equifax	---
Denied	09/04/2023	723	TransUnion	---
Denied	09/04/2023	754	TransUnion	---

Blue Cash Preferred® Card from American Express

Learn More

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 Status	Date	Credit Score	Bureau	Credit Limit
Approved	01/19/2023	825	Not Provided	$6,000
Approved	05/04/2023	738	Experian	$20,000
Approved	05/04/2023	748	TransUnion	$20,000
Approved	05/04/2023	755	Equifax	$20,000

Capital One Savor Rewards Credit Card

Capital One Savor Cash Rewards Credit Card

Learn More

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 Status	Date	Credit Score	Bureau	Credit Limit
Approved	04/12/2024	685	Equifax	$20,000
Approved	11/15/2023	647	Not Provided	$500
Approved	09/22/2022	630	TransUnion	$3,000
Denied	08/20/2022	634	Not Provided	---

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

Learn More

Our Rating: 4.8

★★★★★☆

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

Welcome Offer (Terms Apply)

20,000 bonus points

Est. Value

$200

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 Status	Date	Credit Score	Bureau	Credit Limit
Approved	03/19/2022	680	Not Provided	$5,000
Approved	07/06/2022	847	TransUnion	$20,000
Approved	02/24/2022	791	Experian	$17,000
Approved	04/03/2022	735	Experian	$2,000
Approved	10/12/2022	800	TransUnion	$25,000
Approved	04/04/2023	780	Not Provided	$13,000
Approved	08/04/2022	812	TransUnion	$5,000
Approved	09/22/2022	805	Experian	$10,000
Approved	08/28/2022	800	TransUnion	$500
Approved	12/09/2022	741	Experian	$2,000
Approved	12/09/2022	769	Equifax	$2,000
Approved	12/09/2022	774	TransUnion	$2,000
Approved	08/06/2022	728	Experian	$2,000
Approved	06/01/2022	699	Equifax	$600
Approved	09/07/2022	815	TransUnion	$15,000
Approved	06/28/2022	765	Not Provided	$9,500
Approved	02/21/2022	785	Equifax	$2,000
Approved	02/21/2022	786	Experian	$2,000

Citi^® Double Cash Card

Learn More

Our Rating: 4.9

★★★★★☆

Citi^® Double Cash Card

Welcome Offer

Earn $200 cash back

Est. Value

$200

Annual Fee

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 Status	Date	Credit Score	Bureau	Credit Limit
Approved	04/21/2024	635	TransUnion	$3,500
Approved	04/21/2024	670	Equifax	$3,500
Approved	03/12/2024	726	Equifax	$3,800
Approved	03/12/2024	731	Equifax	$3,800
Approved	03/12/2024	745	Equifax	$3,800
Approved	03/12/2024	765	Equifax	$3,800
Approved	03/12/2024	800	Experian	$3,800
Approved	03/12/2024	806	TransUnion	$3,800
Approved	02/03/2024	780	Experian	$6,900
Approved	02/03/2024	794	TransUnion	$6,900
Approved	02/03/2024	813	Equifax	$6,900
Approved	01/19/2024	840	Not Provided	$11,500
Approved	12/12/2023	800	Not Provided	$7,000
Approved	01/11/2024	730	Not Provided	---
Approved	05/22/2024	805	Experian	$6,800
Approved	11/13/2023	760	Not Provided	$3,000
Approved	11/28/2023	740	TransUnion	$9,000
Approved	11/28/2023	801	Experian	$9,000
Approved	11/28/2023	810	Equifax	$9,000
Denied	01/03/2024	800	Not Provided	---
Denied	05/10/2024	793	Not Provided	---

Apple Card

Learn More

Our Rating: 4.3

★★★★★☆

Apple Card

Welcome Offer

None

Est. Value

None

Annual Fee

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 Status	Date	Credit Score	Bureau	Credit Limit
Approved	03/30/2023	711	Experian	$3,000
Approved	04/25/2023	670	Not Provided	$1,250
Approved	01/02/2023	623	TransUnion	$1,500
Approved	01/02/2023	628	Experian	$1,500
Approved	01/02/2023	633	Equifax	$1,500
Approved	03/14/2023	657	TransUnion	$1,500
Approved	01/03/2023	771	Experian	$6,500
Approved	03/04/2024	714	TransUnion	$7,000
Approved	03/04/2024	734	Experian	$7,000
Approved	02/27/2023	720	TransUnion	$5,500
Approved	08/05/2023	771	Equifax	$7,500
Approved	08/05/2023	771	Experian	$7,500
Approved	08/05/2023	787	TransUnion	$7,500
Denied	04/05/2023	755	Experian	---
Denied	11/29/2023	776	TransUnion	---

Citi Custom Cash® Card

Learn More

Our Rating: 4.7

★★★★★☆

Citi Custom Cash® Card

Welcome Offer

Earn $200 in cash back

Est. Value

$200

Annual Fee

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 Status	Date	Credit Score	Bureau	Credit Limit
Approved	02/06/2023	748	Experian	$3,800
Approved	02/06/2023	759	TransUnion	$3,800
Approved	02/06/2023	761	Equifax	$3,800
Approved	10/04/2023	784	Experian	$5,300
Approved	10/04/2023	801	TransUnion	$5,300
Approved	10/04/2023	811	Equifax	$5,300
Approved	09/13/2023	800	Not Provided	$11,600
Approved	10/24/2023	720	Equifax	$8,000
Approved	07/17/2023	790	Equifax	$3,000
Approved	01/17/2023	800	TransUnion	$5,300
Denied	05/12/2023	800	Not Provided	---
Denied	05/19/2024	762	Not Provided	---

Chase Freedom Unlimited®

Learn More

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

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 Status	Date	Credit Score	Bureau	Credit Limit
Approved	03/20/2023	785	Experian	$5,000
Approved	07/18/2023	765	Experian	$12,500
Approved	07/18/2023	773	TransUnion	$12,500
Approved	07/18/2023	785	Equifax	$12,500
Approved	09/06/2023	754	Experian	$9,000
Approved	09/08/2023	740	Equifax	$15,000
Denied	09/05/2023	738	Experian	---
Denied	09/05/2023	740	Equifax	---
Denied	09/05/2023	750	TransUnion	---

Chase Freedom Flex®

Learn More

Our Rating: 4.7

★★★★★☆

Chase Freedom Flex®

Welcome Offer

$200

Est. Value

$200

Annual Fee

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 Status	Date	Credit Score	Bureau	Credit Limit
Approved	04/02/2023	741	TransUnion	$14,000
Approved	04/02/2023	748	Experian	$14,000
Approved	08/02/2023	800	Not Provided	$19,000
Approved	06/05/2022	746	Experian	---
Approved	06/05/2022	748	TransUnion	---
Approved	10/24/2023	800	Not Provided	$8,600
Approved	09/03/2023	795	Experian	$22,500
Approved	09/03/2023	847	TransUnion	$22,500
Approved	07/08/2024	800	Not Provided	$23,000
Approved	06/02/2023	789	TransUnion	$12,000
Approved	06/02/2023	791	Experian	$12,000
Approved	04/12/2024	772	Not Provided	$20,000
Denied	07/16/2024	780	Experian	---

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.

What Are the Benefits of Having an Excellent Credit Score?

How to Maximize Your Credit Card Rewards

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

The Platinum Card® from American Express

American Express® Gold Card

Chase Sapphire Preferred® Card

Chase Sapphire Reserve®

Capital One Venture X Rewards Credit Card

Capital One Venture Rewards Credit Card

Wells Fargo Active Cash® Card

Prime Visa

Marriott Bonvoy Boundless® Credit Card

Blue Cash Preferred® Card from American Express

Capital One Savor Rewards Credit Card

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

Citi® Double Cash Card

Apple Card

Citi Custom Cash® Card

Chase Freedom Unlimited®

Chase Freedom Flex®

Summary

Citi^® Double Cash Card