Credit Cards for Excellent Credit

If you are a consumer with an excellent credit rating, you will never have a hard time finding a new credit card. Although, there is still one problem that you may encounter, and that is comparing hundreds of offers, and selecting the right one for you. You will soon realize when you are bombarded with these fantastic offers, that you will receive top of the line benefits, low-interest rates, reward programs and much more! You are in the best position regarding your credit history, to secure the perfect credit card. However, please don't make your decision until you have compared the benefits of several offers. You can find some of the best credit cards for you that are detailed below.

  • Reflex Mastercard®

    • See if you’re Pre-Qualified with no impact to your credit score
    • All credit types welcome to apply
    • Free access to your Vantage 3.0 score from TransUnion* (When you sign up for e-statements)
    • Monthly reporting to the three major credit bureaus
    • Fast and easy application process; results in seconds
    • Use your card at locations everywhere Mastercard® is accepted
    • Checking Account Required
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  • First Digital Mastercard®

    • Get the security and convenience of a full-feature, unsecured MasterCard® Credit Card – accepted at millions of merchant and ATM locations worldwide and online.
    • Designed to help overcome credit issues; you may be approved even if you’ve been declined elsewhere.
    • You may be eligible for a Credit Line Increase after 12 months.
    • Easy and secure online application – It takes just moments to apply.
    • If approved, just pay the one-time Program Fee to gain access to your new account and credit line (subject to available credit).
    • Receive your card more quickly with optional Expedited Processing (additional fee applies).
    • Get a result in as little as 60 seconds upon completion of the online application.
    • Online Customer Center available 24 x 7.
    • Issued by Synovus Bank, Member: FDIC
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  • SoFi Credit Card

      • Redeem points straight into crypto
      • Earn 2% cash back on all purchases
      • 12 monthly on-time payments and lower your APR by 1%
      • Manage all your money in-one-app
      • $5 Lyft credit for every 3 rides taken in a month
      • Free annual Shoprunner membership of $79
      • 3-month free trial of DashPass for non-members
      • $5 discount on two orders each month for DashPass subscribers
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  • The Owner's Rewards Card by M1

    • Earn up to 10% cash back* with the Owner's Rewards Card by M1. Then, reinvest your rewards for long-term growth.
    • Get a baseline of 1.5% cash back on everyday purchases, and unlock higher rewards tiers of 2.5%, 5%, and 10% cash back with M1 Plus.
    • Use M1 automation to easily reinvest your rewards for longterm impact.
    • Integrate even more of your financial life in one place, while helping you grow and maximize your wealth with everyday transactions
    • Visa Signature® benefits including Zero Liability, exclusive experiences, and more
    • The credit card for investors is here. Invest when you spend and build your wealth with everyday transactions.
    • There is no annual fee.
    • Your first three months of M1 Plus is free.* Get exclusive features and discounts to help you build your wealth.
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  • Upgrade Cash Rewards Visa®

    • $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*
    • Earn 1.5% unlimited cash back on card purchases every time you make a payment
    • Combine the flexibility of a credit card with the predictability of a personal loan
    • No annual fee
    • No touch payments with contactless technology built in
    • See if you qualify in minutes without hurting your credit score
    • Great for large purchases with predictable payments you can budget for
    • Mobile app to access your account anytime, anywhere
    • Enjoy peace of mind with $0 Fraud liability


    • Welcome Bonus Disclaimer: *To qualify for the welcome bonus, you must open and fund a new Rewards Checking Plus account through Upgrade and make 3 qualifying debit card transactions from your Rewards Checking Plus account within 60 days of the date the Rewards Checking Plus account is opened. If you have previously opened a checking account through Upgrade or do not open a Rewards Checking Plus account as part of this application process, you are not eligible for this welcome bonus offer. Your Upgrade Card and Rewards Checking Plus account must be open and in good standing to receive a bonus. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade VISA® Debit Card Agreement and Disclosures for more information. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking Plus account as a one-time payout credit within 60 days after meeting the conditions.
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  • Upgrade Triple Cash Rewards Visa®

    • $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*
    • Unlimited cash back on payments: 3% on Home, Auto, and Health categories and 1% on everything else after you make payments on your purchases
    • No annual fee
    • Combine the flexibility of a credit card with the predictability of a personal loan
    • No touch payments with contactless technology built in
    • See if you qualify in minutes without hurting your credit score
    • Great for large purchases with predictable payments you can budget for
    • Mobile app to access your account anytime, anywhere
    • Enjoy peace of mind with $0 Fraud liability


    • Welcome Bonus Disclaimer: *To qualify for the welcome bonus, you must open and fund a new Rewards Checking Plus account through Upgrade and make 3 qualifying debit card transactions from your Rewards Checking Plus account within 60 days of the date the Rewards Checking Plus account is opened. If you have previously opened a checking account through Upgrade or do not open a Rewards Checking Plus account as part of this application process, you are not eligible for this welcome bonus offer. Your Upgrade Card and Rewards Checking Plus account must be open and in good standing to receive a bonus. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade VISA® Debit Card Agreement and Disclosures for more information. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking Plus account as a one-time payout credit within 60 days after meeting the conditions.
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  • Gemini Credit Card

      • 10% back on gas at the pump and EV charging
      • Up to 3% back on dining, 2% back on groceries, 1% back on all other purchases
      • On up to $200 in spend per month for a year. Additional T&Cs apply
      • Rewards available in bitcoin, ether, or 60+ other cryptocurrencies
      • Change your crypto reward type at any time, as much as you like
      • Receive rewards when the transaction occurs
      • No foreign transaction fees
      • No exchange fees to acquire your rewards
      • Crypto rewards are protected by Gemini's world-class security
      • Mastercard Zero Liability Protection on Unauthorized Transactions
      • Mastercard ID Theft Protection™
      • Instantly lock your card anytime from the Gemini app
      • Receive real-time alerts based on transaction size or type
      • Your choice of a black, silver, or rose gold stainless-steel card, made from 75% recycled material
      • Access to a digital card
      • Available to residents of all 50 U.S. states
      • 24/7 Customer Support
      • Access to card features and details in the Gemini mobile app
      • Exclusive offers with select merchants such as DoorDash, HelloFresh, Lyft, and ShopRunner
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  • Applied Bank® Secured Visa® Gold Preferred® Credit Card

      • Better than Prepaid...Go with a Secured
      • Absolutely No Credit Check or Minimum Credit Score Required
      • Automatic Reporting to All Three National Credit Bureaus
      • 9.99% Low Fixed APR Your Rate Wont Go Up Even if You Are Late
      • Activate Today with a $200 Minimum Deposit Maximum $1,000. Increase Your Credit Limit up to $5,000 by Adding Additional Deposits Anytime
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  • Upgrade Bitcoin Rewards Visa®

    • $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*
    • Earn unlimited 1.5% back in bitcoin rewards after you make payments on your purchases
    • The simple way to earn bitcoin: make purchases on your card, make payments, earn bitcoin
    • No annual fee
    • Get pre-approved in seconds with no impact to your credit score
    • Pay with your phone or device by using Apple Pay® or Google Pay™
    • Mobile app to access your account anytime, anywhere
    • Enjoy peace of mind with $0 Fraud liability


    • Welcome Bonus Disclaimer: *To qualify for the welcome bonus, you must open and fund a new Rewards Checking Plus account through Upgrade and make 3 qualifying debit card transactions from your Rewards Checking Plus account within 60 days of the date the Rewards Checking Plus account is opened. If you have previously opened a checking account through Upgrade or do not open a Rewards Checking Plus account as part of this application process, you are not eligible for this welcome bonus offer. Your Upgrade Card and Rewards Checking Plus account must be open and in good standing to receive a bonus. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade VISA® Debit Card Agreement and Disclosures for more information. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking Plus account as a one-time payout credit within 60 days after meeting the conditions.
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  • Triple Cash Rewards Visa Card

      • 3% cash back on Home, Auto and Health Categories, 1% cash back on everything else
      • No Fees
      • Credit lines from $500 to $25,000
      • See if you qualify in seconds with no impact on your credit score
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Transaction Fees

Annual Fee: You may find some credit card options which charge yearly fees, but not all of them do. The types of credit cards which typically have yearly fees include premium credit cards, subprime credit cards, and secured credit cards. The fee amount charged per year will vary. Some fees start at $0 and go up to $500. It all depends on which type of credit card you apply for.

Regular Purchase APR: When you make a standard purchase with your credit card, the amount charged gets added to your revolving debt balance. On top of that, there is a certain amount of interest which gets added to this balance too. This interest is called the annual percentage rate, or APR. Your credit rating greatly influences your APR, which is why the percentage fluctuates regularly. People with perfect credit may only have to pay 10% APR while people with terrible credit pay up to 35% APR. For this reason, it is important to review all the terms and conditions on your credit card application prior to signing it. Make sure you know the true APR after the initial trial period expires. Sometimes these credit card companies will try to lure you in with 0% APR for 12 months, but they won’t tell you what the APR is after those 12 months. You must look for it in the fine print.

Intro Purchase APR: When you see a credit card plan which offers an introductory purchase APR of 0%, this doesn’t necessarily mean it’s a trick. Sometimes you’ll find some good low-interest credit card plans which charge 0% APR for the first 6 months, 12 months, or sometimes even longer. This means that all your credit card purchases within this time period won’t have interest charges added onto the debt balance. However, once the introductory period expires, the standard purchase APR will then apply. Again, check the terms and conditions to see what this APR is.

Balance Transfer Fee: If you owe money on multiple loans or credit cards, you can clear this debt by moving it to another credit card which has more available credit. This is basically a way to consolidate your debt so that you only owe money on one account instead of several accounts. However, whenever you transfer your debt balances to another account, you must pay a balance transfer fee of anywhere between 3% and 5% of the total transferred debt amount. For instance, if you owe a total of $10,000 on all your loan and credit card accounts, a 5% balance transfer fee on this amount would cost you $500.

Regular Balance Transfer APR: Sometimes a credit card company will offer a regular balance transfer APR to new credit card account holders instead of a balance transfer fee. This balance transfer APR is usually a generous deal which ranges from 0% to a very low APR. However, this low balance transfer APR is only available for a limited introductory time period. This could last for 6 months, 12 months, or longer. Once the introductory period is over, the normal rates apply.

Cash Advance Fee: If you want to take out a cash advance on your credit card, you will either be charged 3% to 5% on the transaction amount or a fixed fee of between $5 and $15 per transaction. The greater amount of the two is the one you will pay. For instance, if you take a $200 cash advance on a credit card which charges a cash advance fee of 10% or $5, you will end up paying 10% because that is the greater amount. In this case, the cash advance fee is $40.

Credit Terms

TheCreditWiki, can make searching for the best card far easier, especially when you need to consider several factors. You may not be aware, but there are a few cards that have APR rates that you will need to review before signing the contract with the bank or lender. You will also need to consider financing costs, and anticipate what you are going to need the card for, is it going to be a single one-off purchase, or do you want to carry a monthly balance? Understanding the potential financial implications is crucial, for example, if you don't make your required monthly or bulk payment by the agreed date, then your financing costs will increase. If this happens, you will incur several costs – such as paying the full current balance, and fees to the credit card issuer/bank. Another important factor is interest fees. Please be aware that they can fluctuate; they can shift from as low as 0% to as high as 35%. So, before signing the contract, review the credit card applications for any specifics regarding the interest rates, as they will be stated in the terms and conditions. TheCreditWiki strive to provide our customers with the most current, and up-to-date information, regarding rates, benefits and many more. Please do remember that the credit card offers that we have listed, are displayed without guarantee. If you want to affirm the terms and conditions, click on "Apply Now." You will be able to learn more about the full credit card offer, on a secured page that will be supplied by the card issuer(s). You will see the list of the best credit cards options currently available on the market listed below. We have provided you with all the relevant information about each provider to ensure that you will make an informed and confident decision.

Advertiser Disclosure

When searching for the best credit card TheCreditWiki can help you to make the best decision based on your lifestyle and financial history. TheCreditWiki is a free service and promotes bolstered credit examination, through a comparison entity. The offers that you will see on thecreditwiki.net are from organizations, which thecreditwiki.net will receive remuneration.

About our Ratings

Our reimbursement sometimes impacts the surveys, but it is only the order that the classifications appear in, and nothing else. They will appear on our featured pages, but you can still opt to use the best option for you, and we strive to provide this regardless of the compensation that we may receive.
Please be aware, that this may affect the order in which these credit offers appear. Also, thecreditwiki.net does consider the restrictive guidelines of each lender, and the probability of the consumers' credit history. They will take this information into account, and will decide how, and when the credit cards offer will appear on the site.

The Age Requirement

Every credit card applicant should be over 18 years old.

General Disclaimer

We advise you to review your credit card application for specific references of the terms and conditions. We will always endeavor to provide the most relevant and up-to-date information. However, please be aware that all credit card offered displayed are not guaranteed. If you wish to confirm the full terms & conditions, please click on the "Apply Now" link. If you select the link, it will open a secure page provided by the card issuer(s) which will explain your credit card offer in more detail.

Our Editors

Here at TheCreditWiki, we have a team of editors who supply unbiased ratings of various credit card offers. The components used to rate the offers accordingly are; offer purchasers, expenses, financing costs & which credit card the application is related too. Please be aware that all of the evaluations are completed using a master supposition from our editors. Our editors are not affected by any compensation that our receives from the credit card issuer.