Best Credit Cards for Excellent Credit
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How We Chose the Best Credit Cards for Excellent Credit
Best flat-rate cash-back cards for excellent credit Best cash-back cards with bonus categories Best premium travel cards for rewards Best premium travel cards for benefits Best cash-back small business cards Best small business cards for travel benefits Best cards for interest-free financing
Best Flat-Rate Cash-Back Card for Excellent Credit
If You Want a Flat-Rate Cash-Back Card for Excellent Credit: Wells Fargo Active Cash
No annual fee. Simple, 2% cash back on all purchases. Cell phone protection for damage or theft.
No bonus categories for earning cash back. The new cardholder bonus is not the highest on the market. Not as many cardholder benefits as some cards.
Best Cash-Back Cards With Bonuses for Excellent Credit
If You Want a Cash-Back Card With Bonuses for Excellent Credit: Blue Cash Preferred® Card from American Express
Purchases from U.S. supermarkets and select streaming services earn an impressive 6% back. 3% cash back on transit including rideshare, parking, and toll charges. Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration and other factors.
U.S. supermarket earning is capped at $6,000 per year, which can be easily reached by families who spend a lot on groceries. No bonuses are offered for other popular categories like dining. There are few travel or premium benefits with this card.
Best Premium Travel Cards for Rewards
If You Want a Premium Travel Card for Rewards: Capital One Venture X Rewards Credit Card
Earn double miles on all purchases. Miles can be redeemed for travel statement credits transferred to travel partners. Strong benefits for the price. No U.S.-based airline travel partners. Limited number of Capital One Lounges available. No hotel elite status offered.
Best Premium Travel Cards for Benefits
If You Want a Premium Travel Card for Benefits: The Platinum Card® from American Express
The card provides gold status with Marriott and Hilton. There are many statement credits to offset the annual fee. Valuable point transfer options for travel are included.
There’s a high annual fee. The card offers relatively few bonus rewards opportunities. There are many statement credits to keep track of.
Best Cash-Back Small Business Cards
If You Want a Cash-Back Small Business Card: Capital One Spark Cash Plus
Cash-back earning is unlimited and easy. There are no bonus categories to worry about. The new cardholder bonus is broken into two segments, so even if you can’t meet the minimum spend, you can still earn some of it.
There’s an annual fee for this card. Annual cash bonus spending criteria are high. There are few other perks or benefits.
Best Small Business Cards for Travel Rewards
If You Want a Small Business Card for Travel Rewards: Ink Business Preferred® Credit Card
Points can be transferred to many airline and hotel partners. There’s a very valuable welcome bonus. Purchase and extended warranty protections can come in handy for large purchases.
There’s a $95 annual fee for this card. The bonus categories are specific to certain types of small businesses, and not all may have these expenses. The card offers no bonus points on categories related to travel.
Best Small Business Cards for Travel Benefits
If You Want a Small Business Card for Travel Benefits: The Business Platinum Card® from American Express
The card comes with complimentary hotel loyalty status for two major hotel brands. You can get great earnings on flight and hotel purchases. Points can be transferred to a variety of hotel and airline partners.
The annual fee is high. Some of the perks are more suited to luxury travelers. There are many statement credits to keep track of.
Best Cards for Interest-Free Financing
If You Want a Card for Interest-Free Financing: U.S. Bank Visa® Platinum Card
The card offers 18 billing cycles of 0% APR financing on new purchases and balance transfers. There's no annual fee. It’s a straightforward card.
There are no benefits. No rewards are offered on this card. There’s no new account bonus.
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