Best Credit Cards for Excellent Credit of September 2021


While folks with average or low credit scores are limited in the cards they can get, applicants with excellent credit aren’t limited by their own creditworthiness. On the contrary, excellent credit means you’ll pass muster for nearly any credit card you could want. Here’s a look at just a few of the best credit cards available to you when you have excellent credit.

Chase Sapphire Preferred® Card

Great for: Transferable points and benefits

The Chase Sapphire Preferred® Card is a mid-tier travel rewards card that earns bonus points on travel and dining purchases. Users earn Ultimate Rewards points, valuable rewards that can be transferred to Chase travel partners.

Read the full Chase Sapphire Preferred® Card review

Chase Sapphire Reserve®

Great for: Travel rewards and perks

The Chase Sapphire Reserve® is a premium travel rewards card that earns 3x Ultimate Rewards points per dollar on travel and dining purchases. The card also comes with a plethora of travel perks, including an annual travel credit, airport lounge access, and trip insurance.

Read the full Chase Sapphire Reserve® review

Blue Cash Preferred® Card from American Express

Great for: U.S. supermarkets and streaming rewards

The Blue Cash Preferred® Card from American Express is one of the best everyday rewards cards around, offering 6% cash back on up to $6,000 in U.S. supermarkets purchases each year. You’ll also earn 6% back on select streaming services, as well as 3% back on transit purchases and at U.S. gas stations. Terms apply.

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Read the full Blue Cash Preferred® Card from American Express review

The Platinum Card® from American Express

Great for: Travel rewards and lounge access

The Platinum Card® from American Express is a top-rated travel card that offers high rewards rates on select hotel and airline purchases, as well as a ton of travel perks. Users get annual credits with Uber, access to more than 1,300+ airport lounges, and hotel elite status. Select enrollment required, terms apply.

Read the full The Platinum Card® from American Express review

Bank of America® Travel Rewards credit card

Great for: Travel rewards with no annual fee

The Bank of America® Travel Rewards credit card is a no annual fee travel rewards card that provides unlimited 1.5x miles per dollar on every purchase. However, miles can’t be transferred; instead, they’re redeemed for statement credit to cover travel and dining purchases.

Read the full Bank of America® Travel Rewards credit card review

American Express® Gold Card

Great for: Restaurants and U.S. supermarkets rewards

The American Express® Gold Card is ideal for foodies of all kinds, offering 4x Membership Rewards points per dollar at U.S. supermarkets (on up to $25,000 in eligible purchases), as well as 4x points per $1 at restaurants. Users also get annual dining and Uber credits. Select enrollment required, terms apply.

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Read the full American Express® Gold Card review

Citi Simplicity® Card

Great for: 0% intro APR offer and no late payment fee

The Citi Simplicity® Card packs in one of the best 0% intro APR offers we’ve come across at 18 months. Other standout features are no late payment fee and no penalty APR.

Read the full Citi Simplicity® Card review

Bank of America® Customized Cash Rewards credit card

Great for: Choosing your rewards

The Bank of America® Customized Cash Rewards credit card lets cardholders choose their own 3% cash back rewards category from a list of options that includes things like travel, gas, and drugstores. You’ll also earn 2% back on groceries and at wholesale stores. Bonus rewards are capped at $2,500 in purchases each quarter.

Read the full Bank of America® Customized Cash Rewards credit card review

Bank of America® Premium Rewards® credit card

Great for: Choosing your rewards

The Bank of America® Premium Rewards® credit card matches the competition well in its category, including rewards and a nice sign-up bonus. But where the card excels is with its travel-related statement credits and up to 25% to 75% bonus points for Preferred Rewards members.

Read the full Bank of America® Premium Rewards® credit card review

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U.S. Bank Visa® Platinum Card

Great for: Long 0% intro APR offers

The U.S. Bank Visa® Platinum Card has the longest 0% intro APR offer we’ve come across at 20 billing cycles for both purchases and balance transfers.

Read the full U.S. Bank Visa® Platinum Card review


View more information: https://www.fool.com/the-ascent/credit-cards/excellent-credit/

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