Excellent Credit - Credit Cards

Individuals with excellent credit generally have no difficulty finding a new credit card. However, they may face the challenge of comparing numerous offers to find the best one. Credit cards for those with excellent credit often come with superior benefits, low interest rates, and attractive rewards programs. While you’re well-positioned to secure the ideal credit card, it’s wise to compare multiple offers before making a final choice. To help you with this, we’ve highlighted some of the best credit cards available for individuals with excellent credit.

☆   Card Spotlight
Today’s Featured Card

Fortiva® Mastercard® Credit Card

Earn 3% Cash Back Rewards* on Gas, Groceries and Utility Bill Payments

  • Rating

  • Credit Recommended

    Fair

  • Regular Purchase APR

    See Issuer Website

  • Annual Fee

    See Terms

  • Updated For

    Thu 03 Oct 2024

  • Full Details

    Card Page

Aspire® Cash Back Reward Card

Up to $1,000 credit limit subject to credit approval

  • Card Brand

    MasterCard®

  • Credit Recommended

    Fair

  • Annual Fee

    See Terms

  • Regular Purchase APR

    29.99% or 36% Fixed

  • Rewards

    Up to a 3% Cash Back Reward

  • Full Details

    Card Page

Highlights

  • Earn 3% Cash Back Rewards* on Gas, Groceries and Utility Bill Payments
  • Earn 1% Cash Back Rewards* on all other eligible purchases
  • Up to $1,000 credit limit subject to credit approval
  • Prequalify** without affecting your credit score
  • No security deposit
  • Free access to your VantageScore 4.0 score from TransUnion®†

*See Program Terms for important information about the cash back rewards program.

** Prequalify means that you authorize us to make a soft inquiry (that will not affect your credit) to create an offer. If you accept an offer a hard inquiry will be made. Final approval is not guaranteed if you do not meet all applicable criteria (including adequate proof of ability to repay). Income verification through access to your bank account information may be required.

† Your credit score will be available in your online account starting 60 days after your account is opened. (Registration required.) The free VantageScore 4.0 credit score provided by TransUnion® is for educational purposes only. This score may not be used by The Bank of Missouri (the issuer of this card) or other creditors to make credit decisions.

Upgrade Triple Cash Rewards Visa®

See if you qualify in minutes without hurting your credit score

  • Card Brand

    MasterCard®

  • Credit Recommended

    Good/Excellent

  • Annual Fee

    $0.00

  • Regular Purchase APR

    14.99% -29.99%

  • Rewards

    Unlimited cash back on payments: 3% on Home, Auto, and Health categories and 1% on everything else after you make payments on your purchases

  • Full Details

    Card Page

Highlights

  • $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

*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.

State Exclusions: DC, IA, WV, WI

Link to Rates and Terms:

https://upgrade.zendesk.com/hc/en-us/articles/1260804318969-Upgrade-Triple-Cash-Back-Rewards-Details

Upgrade Cash Rewards Visa®

Earn 1.5% unlimited cash back on card purchases every time you make a payment

  • Card Brand

    MasterCard®

  • Credit Recommended

    Good/Excellent

  • Annual Fee

    $0.00

  • Regular Purchase APR

    14.99% -29.99%

  • Rewards

    Earn 1.5% unlimited cash back on card purchases every time you make a payment

  • Full Details

    Card Page

Highlights

  • $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

*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.

State Exclusions: DC, IA, WV, WI

Link to Rates and Terms:

https://upgrade.zendesk.com/hc/en-us/articles/360007229514-What-rates-does-Upgrade-offer-on-its-Personal-Credit-Lines

Upgrade Life Rewards Visa®

$200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*

  • Card Brand

    Visa®

  • Credit Recommended

    Good/Excellent

  • Annual Fee

    $0.00

  • Regular Purchase APR

    14.99% -29.99%

  • Rewards

    3% Cash Back on payments for Gas, Grocery, Health, Streaming, and Utility categories , 1% cash back on everything else (Target and Walmart earn 1%)

  • Full Details

    Card Page

Highlights

  • $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*
  • 3% Cash Back on payments for Gas, Grocery, Health, Streaming, and Utility categories , 1% cash back on everything else (Target and Walmart earn 1%)
  • Pay your balance in full early each month and avoid interest with EarlyPay**
  • 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

* 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.

State Exclusions: DC, IA, WV, WI

Link to Rates and Terms:

https://upgrade.zendesk.com/hc/en-us/articles/10219761084443-Upgrade-Life-Rewards-Card-Detailshttps://upgrade.zendesk.com/hc/en-us/articles/360007229514-What-rates-does-Upgrade-offer-on-its-Personal-Credit-Lines

Fortiva® Mastercard® Credit Card

Earn 3% Cash Back Rewards* on Gas, Groceries and Utility Bill Payments

  • Card Brand

    MasterCard®

  • Credit Recommended

    Fair

  • Annual Fee

    See Terms

  • Regular Purchase APR

    29.99% or 36% Fixed

  • Rewards

    Up to 3% Cash Back Rewards; 3% Cash Back Reward on Gas, Groceries and Utility Bill Payments. 1% Cash Back Reward on all other eligible purchases.

  • Full Details

    Card Page

Highlights

  • Earn 3% Cash Back Rewards* on Gas, Groceries and Utility Bill Payments
  • Earn 1% Cash Back Rewards* on all other eligible purchases
  • Good anywhere Mastercard® is accepted
  • $0 fraud liability**
  • Free access to your VantageScore 4.0 credit score from TransUnion®†

*See Program Terms for important information about the cash back rewards program.

**Fraud liability subject to Mastercard® rules.

† Your credit score will be available in your online account starting 60 days after your account is opened. (Registration required.) The free VantageScore 4.0 credit score provided by TransUnion® is for educational purposes only. This score may not be used by The Bank of Missouri (the issuer of this card) or other creditors to make credit decisions.