Best Credit Cards for Excellent Credit for 2024

When you have excellent credit that means that you have ample options to choose from. An excellent credit that ranges from (750-850) will let you qualify for the best cards. The best credit cards for excellent credit for 2024 offer rewards in the form of airline miles , cash back , points etc. The top-tier options offer premium features that include travel and purchase protections, travel insurance, and introductory APR periods.

Depending on your spending habits you can choose a credit card that will be beneficial to you in the long run. With excellent credit, you gain access to financial products like auto loans and mortgages with better terms and conditions. Also , it’s a good idea to work on your current credit score to make use of the best credit cards for excellent credit for 2024.

Without further ado, let’s jump straight into the details of the best credit cards for excellent credit for 2024.

Quick Overview- Best Credit Cards for Excellent Credit for 2024

• Capital One Venture X Rewards Credit Card – Best overall reward card for excellent credit
•  Chase Sapphire Reserve® Card – Best pick for flexible rewards
•  Wells Fargo Active Cash® Card – Great pick for high-rate cashback on all purchases
• Chase Sapphire Preferred® Card – Best bonus reward card for travelers
•  American Express® Gold Card – Great pick for high Membership points on travel

 Charting the Best Credit Cards for Excellent Credit for 2024

Card Name	Annual Fee	Best For	Credit Required	Sign Up Bonus
Capital One Venture X Rewards Credit Card	$395	Best overall reward card for excellent credit	Excellent	60,000 bonus miles after you spend $4,000 on purchases in your first 3 months from account opening.
Chase Sapphire Reserve® Card	$550	Best pick for flexible rewards	Excellent	80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
Wells Fargo Active Cash® Card	$0	Great pick for high-rate cashback on all purchases	Good to Excellent	None
Chase Sapphire Preferred® Card	$95	Best bonus reward card for travelers	Good to Excellent	60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
American Express® Gold Card	$250	Great pick for high Membership points on travel	Good to Excellent	75,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months of Card Membership.

Capital One Venture X Rewards Credit Card

Annual Fee	$395
Regular APR	22.49%- 29.24%
Credit Score	Excellent (750-850)

Capital One is a premium travel reward card that offers multiple travel perks to all heavy spenders. Being in the list of upscale credit cards it offers people with excellent credit scores elite status and complimentary lounge access to travel in luxury.

Perks of no #1 Best Credit Cards for Excellent Credit

•  It offers a great sign-up bonus of 75,000 bonus with a spending limit of $4,000 in the first 90 days of card membership which is equal to $750 in travel.
• With the best credit cards for excellent credit for 2024, you will receive $300 as annual credit for booking through Capital One Travel , where you the best prices on trips
•  Receive 10,000 bonus miles each year on each anniversary
• When rental cars and hotels are booked through Capital One Travel you can earn unlimited 10x miles while 5x miles on the flights
•  This card lets you earn 2x miles on all the other purchases
•  With this premium travel card, you get access to 1300+ lounges including the Partner Lounge Network, and Capital One Lounges among many others
•  Enjoy the luxurious benefits for hotel stays with the experience credit , room upgrades and much more
•  Get reimbursement of $100 for Global Entry or TSA PreCheck
• Being the top pick in the list of the best credit cards for excellent credit for 2024, you can easily transfer miles to 15+ travel loyalty programs

Best Credit Cards with Free Airport Lounge Access

Do you want to travel in luxury and want to enjoy the flashiest perk of free airport lounge access? If yes grab one of the best travel cards with lounge access to spend your pre-flight time in ease.

Chase Sapphire Reserve®

Annual Fee	$550
Regular APR	22.49%- 29.49%
Credit Score	Excellent (750-850)

This one is another travel card in the list of the best credit cards for excellent credit for 2024. High spenders with great credit card history usually spend a significant portion of the money on travel . So, majority of the credit card options in the list is for travel rewards. Chase Sapphire Reserve® Card provides $300 as an annual travel credit that outweigh its annual cost .

Perks of no #2 Best Credit Cards for Excellent Credit

• This card can earn you a signup bonus of 60,000 points after you spend total of $4,000 in the first 3 months of account opening. In dollars, it’s $9000 as travel rewards when redeemed through Chase Ultimate Rewards
•  Get $300 as annual travel credit for travel purchases on each account anniversary
• With one of the best credit cards for excellent credit for 2024, you get 10x points on hotels and car rentals booked through Chase Ultimate Rewards and 5x on flights with a spending limit of $300 annually
•  Earn 3x points on dining and other travel purchases
•  The point holds 50% more value when you redeem them through the Chase Ultimate Rewards®
•  The point transfer ratio to airlines and multiple loyalty programs are 1:1
•  Get access to 1300+ lounges worldwide along with a statement credit of $100 for global Entry or TSA PreCheck
• Being the best credit cards for excellent credit for 2024, you can also expect to receive trip cancellation and interruption insurance , auto rental collision damage, lost luggage insurance and much more

 Best Credit Cards for Travel Insurance

Chase Sapphire Reserve® is a top pick if you are considering the best credit card for travel insurance. In case of trip cancellation and interruption, you get $10,000 per person and $20,000 for each trip. Moreover, for trip delays and baggage delays you receive a particular amount back in your account.

Wells Fargo Active Cash® Card

Annual Fee	$0
Regular APR	20.24%, 25.24%, 29.99%
Credit Score	Excellent (690-850)

A simple and straightforward reward card with absolutely nothing to keep tabs on. One of the most important reasons for the preference of this card is its 2% cashback on all purchases. The deal for this card even get better with 0% Apr on purchases and balance transfers.

Perks of no #3 Best Credit Cards for Excellent Credit

• As a signup bonus you can earn up to $200 with spending limit of $500 in the first 90 days of Card Membership
• Being in the list of the best credit cards for excellent credit for 2024 , it can earn you a flat rate cash back of 2% on all the purchases
• Get 0% Introductory APR for purchases and balance transfer for the duration of 15 months after that variable APR is applicable
• With this card you don’t have any bonus categories to track and the rewards wont expire as long as you are have the bank account
• Enjoy premium collection of benefits with access to world’s most prestigious hotel properties
• This card lets you earn $600 as cellphone protection waiver in case of damage and theft. The eligibility of this is that you have to pay monthly cellphone bill through this card

Best Credit Cards for Streaming Services

If you want to binge- watch your favorite Disney show , grab one of the streaming credit cards. These streaming credit cards will help you gain access of multiple streaming platforms at a low cost .

Chase Sapphire Preferred® Card

Annual Fee	$95
Regular APR	21.49% – 28.49%
Credit Score	Excellent (700-749)

 For even the moderate spenders this card offers rewards with flexible redemption option. Being the strong contender in the list of the best credit cards for excellent credit for 2024, it offers travel perks and generous sign up bonus to facilitate a large user base. The low annual fee credit card can be viable option if you prefer to redeem points through the Chase Ultimate Rewards®.

Perks of no #4 Best Credit Cards for Excellent Credit

• The welcome bonus of this card is 60,000 bonus points with purchases of $4,000 in the first 90 days. This when redeemed through Chase Ultimate Rewards becomes $750
•  Get 5x points on travel that is purchased through the Chase Ultimate Rewards, 3x on dining purchases , 2x on all other travel purchases
• With one of the best credit cards for excellent credit for 2024, you get $50 as annual Ultimate Rewards Hotel Credit annually
•  This card holds 25% more value when you redeem for hotels. airfare, cruises, car rentals through the Chase Ultimate Rewards®
• This card provides complimentary access to DashPass with $0 delivery fee and lower service fee for a tenure of one year
•  Through this card you get reimbursement for trip cancellation, auto rental damage waiver , lost baggage insurance and much more

American Express® Gold Card

Annual Fee	$250
Regular APR	21.24% – 29.24%
Credit Score	Excellent (700-749)

American Express® Gold Card offers great value for the travelers and those who spend a considerable amount of their budget on groceries and restaurants. Being the best credit cards for excellent credit for 2024 the Membership points gained through this card are flexible and easy to redeem.

Perks of no #5 Best Credit Cards for Excellent Credit

•  As a welcome bonus you can earn 60,00 Membership points with a total spending of $6,000 within the 6 months of the card Membership
•  Earn 4x Membership Reward® points at U.S supermarkets and restaurants with a spending limit of $25,000 each calendar year
•  Being in the list of the best credit cards for excellent credit, it can earn a total of 3x Membership points on flights that are booked through amextravel.com
•  Get $120 in Uber Cash that can be redeemed for $10 monthly for Uber rides and Eats
•  To satisfy your cravings this card offers you $120 dining credit to use at Grubhub, The Cheese Factory, Goldbelly, Wine.com, Milk Bar, and other selected Shake Shack locations.
•  Get $100 as experience credit with the mandatory condition of two-night stay at hotels that are booked through The Hotel Collection from American Express.

Important Questions to Ask yourself when you select Best Credit cards for Excellent Credit

Having an excellent credit score means that you can receive various benefits from the credit card. But before you decide a single option there are handful of questions to ask yourself :

How often do you travel?

If you are the one who loves to travel frequently, prefer going with travel credit cards. The travel credit cards offer top perks in the form of airline miles or bonus points. Look for flexible redemption option so that you would be able to experience the travel through different travel partners.

Best American Express Cards for Travel

Although American Express cards have a high annual fee but they are worth the price. The perks and rewards are greater in number as compared to other travel cards. Grab one of the cards to enhance your travel experience with the world-class Global Lounge collection.

 How much money do you spend monthly using a credit card?

Before you look for higher rewards and generous welcome bonuses, look closely at your spending behavior. If you spend less than the required minimum limit then it’s preferable to not choose the card. Although overspending is not recommended as it will drop your credit score.

 Do you plan to carry a balance every month?

 If you want to carry a balance every month then don’t go for cards that offer great rewards look for cards that offer 0% APR on purchases for an extended time period. The 0% APR cards also offer rewards but they are not as good as the other travel reward cards.

 What level of annual fees are you comfortable with?

 The annual fee of a credit card is a long-term expense you have to bear until you have the account opened. There is nothing wrong in paying a greater annual fee if you are leveraging the card in the best possible ways. There are plenty of options in the best no annual fee credit cards to maximize your earnings without spending a penny.

What kind of rewards do you prefer the most?

Make sure the card you have selected among the best credit cards for excellent credit for 2024 offers the type of rewards you use most often. If you are not able to figure out your spending behavior, its better to go with flat-rate cashback cards.

How can you qualify for the best credit cards for excellent credit for 2024?

Credit card issuers usually determine the credit card eligibility using the FICO score. To opt for the credit cards your FICO score should be greater than 700. It is important to note that the excellent credit score alone is not the sole parameter for approval , you need to have a solid income and credit history for the best credit cards.

 Some cards in the list of the best credit cards for excellent credit for 2024 offers preapproval which does not harm your credit score. If you initially don’t meet the criteria of the card then the issuer will not proceed further with the hard inquiry.

What are the advantageous of credit cards for Excellent Credit?

The best credit cards for excellent credit offer generous rewards and perks and the greatest benefit is that you will be able to qualify for the lowest APRs. Here’s what you can expect from the best credit cards for excellent credit for 2024.

 Generous Rewards

When you have excellent credit score than you can qualify for any card you prefer to have considering your spending habits. You will be able to make a selection among the cards with valuable reward rates, bonus categories, and flat-rate cashback

The best credit cards for excellent credit for 2024 offer flexible point redemption options in the form of statement credit, gift cards, purchases, and points transferred to hotel partners and airlines. As a heavy spender, you can easily take advantage of the lucrative sign up bonus

 Interest rates

 Consumers who have good to excellent credit scores will be able to qualify for credit cards with low interest charges. A low APR will be beneficial for the long term as you will be able to save substantial amount of money through this way. Generally a percentage below 16% is regarded as good APR.

 If APR is your top priority look for credit cards with low interest charges that tend to offer competitive charges. Moreover you can also search for credit cards that offer 0% introductory APR for a duration of 15 months with low regular ongoing APR

Best 0% APR Credit Cards

A detailed list of credit cards that offer 0% Apr for the duration of 15-21 months is crafted to help people save a huge chunk of money. During this period you can benefit from balance transfers and purchase with no interest charges. The top pick for the best 0%APR credit cards is Wells Fargo Reflect® Card that offer 0% APR for the duration of 21 months .

High Credit limits

The best credit cards for excellent credit for 2024 offer a high credit limit with a credit line of $5,000 to 10,000 if you have excellent credit. The high credit limit is beneficial when you make large purchases through a card with a higher credit limit. Moreover, high credit limits are advantageous in balance transfers without eating too much of the available credit while also helping you save for emergency funds.

Cardholder benefits

Rewards are a valuable way to benefit from the card but the cardholder benefits is what set these cards apart. The best credit cards for excellent credit for 2024 offers top-tier perks such as travel credit , complimentary hotel stays , first-checked baggage, priority boarding and free airport lounge access. 

 How do you maintain an excellent credit score?

Maintaining an excellent credit score is not a piece of cake. You have to maintain consistency in your spending behavior. Follow the tips to maintain an excellent credit score

•  Persist with positive credit habits

If you have excellent credit that means that you make timely credit card bill payments and keep your overall credit utilization low. To maintain excellent credit scores in the longer run its is good to keep credit utilization low while continuing with other positive spending habits.

•  Opt for the best credit cards

Always look for the best credit cards for excellent credit for 2024 and assess the card details to choose a viable option. Making responsible use of the credit card is must to reap the highest benefits on big or small purchases.

•  Try to focus on long-term maintenance rather than short-time benefits

With excellent credit scores, people try to have multiple cards in their wallet but this will also have a negative impact on the credit score. Once you apply for the credit card, the hard inquiry potentially lowers the score. Try to have fewer cards and make smart financial choices using the cards. In this way, you will be able to maintain an excellent score.

Frequently Asked Questions