Excellent Credit Credit Cards
You must have excellent credit to apply for these credit card offers. Don't worry. If your credit is good, or fair, or even poor, you can still find many great credit card offers here.
- No Annual Fee*
- 0% Intro APR on purchases and balance tranfers for the first 6 months*
- Travel With No Restrictions - Book any travel through any airline, travel agent, or online travel site with no blackout dates or advanced bookings*
- Earn Miles Faster - Double Miles on your first $3,000 in travel and restaurant purchases each year and 1 Mile for every $1 on all your other personal and business purchases*
- Redeem Faster With More Options - Choose a travel credit to your account starting at just 5,000 Miles, gift cards from 80 brand-name Partners starting at just 1,000 Miles*
- 12,000 Bonus Miles*
| Credit Needed |
Issuing Bank |
Type |
Intro Apr |
Intro Period |
Regular Apr |
Annual Fee |
Balance Transfers |
Balance Transfer Apr |
Balance Transfer Intro Period |
| Excellent Credit* |
Discover |
Discover* |
0.00%* |
6 months* |
10.99%* |
$0.00* |
Yes* |
0.00%* |
6 months* |
- Use Starpoints for free nights and upgrades at over 825 participating Starwood hotels and resorts in 95 countries*
- Transfer Starpoints - almost always on a 1:1 basis - to the frequent flyer programs of over 30 major airlines*
- Earn one Starpoint for every dollar you spend and double Starpoints at participating Starwood properties and retail partners*
- Earn 10,000 Starpoints with your first purchase — enough for up to 3 free nights at a category 1 or 2 hotel*
- Winner "Best Affinity Credit Card" at the 19th Annual Freddie Awards- voted on by frequent travelers*
- No annual fee for the first year and $45 thereafter*
- Earn 15,000 bonus Starpoints after you spend $15,000 in 6 months*
- Express Approval. Get a decision in less than 60 seconds*
| Credit Needed |
Issuing Bank |
Type |
Intro Apr |
Intro Period |
Regular Apr |
Annual Fee |
Balance Transfers |
Balance Transfer Apr |
Balance Transfer Intro Period |
| Excellent Credit* |
American Express |
American Express* |
2.90%* |
6 months* |
15.99%* |
$45.00* |
Yes* |
2.90%* |
6 months* |
- 0% Intro APR*
- 5% to 20% Cashback Bonus(R) at top retailers through our exclusive online shopping site*
- No annual fee*
- 5% Cashback Bonus in categories like travel, home, apparel, gas, restaurants, movies and more*
- Easy online account management tools*
- Up to 1% unlimited Cashback Bonus(R) on all other purchases*
| Credit Needed |
Issuing Bank |
Type |
Intro Apr |
Intro Period |
Regular Apr |
Annual Fee |
Balance Transfers |
Balance Transfer Apr |
Balance Transfer Intro Period |
| Excellent Credit* |
Discover |
Discover* |
0.00%* |
6 months* |
10.99%* |
$0.00* |
Yes* |
0.00%* |
12 months* |
- 0% Intro APR for 6 months on Purchases, and 12 months on Balance Tranfers*
- 5% Cashback Bonus in categories like travel, home, apparel, gas, restaurants, movies and more*
- 5% to 20% at top retailers through our exclusive online shopping site*
- Up to 1% unlimited Cashback Bonus on all other purchases*
- Easy online account management tools*
- No annual fee*
| Credit Needed |
Issuing Bank |
Type |
Intro Apr |
Intro Period |
Regular Apr |
Annual Fee |
Balance Transfers |
Balance Transfer Apr |
Balance Transfer Intro Period |
| Excellent Credit* |
Discover |
Discover* |
0.00%* |
6 months* |
10.99%* |
$0.00* |
Yes* |
0.00%* |
12 months* |
- 0% Intro APR for 6 months on Purchases, 12 months on Balance Tranfers*
- 5% Cashback Bonus in categories like travel, home, gas, restaurants, movies and more*
- Double rewards with more than 100 Cashback Bonus Partners*
- 5% to 20% Cashback Bonus at top retailers through our exclusive online shopping site*
- Up to 1% Cashback Bonus on all other purchases*
- Easy online Account management tools*
- No Annual Fee*
| Credit Needed |
Issuing Bank |
Type |
Intro Apr |
Intro Period |
Regular Apr |
Annual Fee |
Balance Transfers |
Balance Transfer Apr |
Balance Transfer Intro Period |
| Excellent Credit* |
Discover |
Discover* |
0.00%* |
6 months* |
10.99%* |
$0.00* |
Yes* |
0.00%* |
12 months* |
- Automatic Rewards. You'll get an American Express branded shopping card worth $25 delivered straight to your door every time you spend $25,000*
- No fees of any kind. No annual fee, no late fees, no over-limit fees, no balance transfer fees, no cash advance fees*
- Flexible Payment Terms. You can pay in full, or carry a balance. The choice is yours.*
- World class Cardmember benefits including Purchase Protection Plan, Buyers Assurance Plan, and Return Protection.*
- Express Approval. Get a decision in less than 60 seconds.*
- No annual fee and 0% intro APR for up to 12 months*
| Credit Needed |
Issuing Bank |
Type |
Intro Apr |
Intro Period |
Regular Apr |
Annual Fee |
Balance Transfers |
Balance Transfer Apr |
Balance Transfer Intro Period |
| Excellent Credit* |
American Express |
American Express* |
0.00%* |
12 months* |
11.99%* |
$0.00* |
Yes* |
5.99%* |
submit with application* |
- Variable rates as low as Prime - 1%*
- No annual membership fee*
- 0% Introductory APR on balance tranfers for your first 6 billing cycles*
- 25 Day grace period*
- Online access to credit card information*
| Credit Needed |
Issuing Bank |
Type |
Intro Apr |
Intro Period |
Regular Apr |
Annual Fee |
Balance Transfers |
Balance Transfer Apr |
Balance Transfer Intro Period |
| Excellent Credit* |
IBERIABANK |
Visa* |
0.00%* |
N/A* |
6.25%* |
$0.00* |
Yes* |
0.00%* |
6 months* |
- No annual fee*
- Absolute fraud protection*
- Online access and 24-hour service*
- Access to the MyConciergeSM service, a unique personal assistance service*
- Introductory 0% Annual Percentage Rate (APR) for Cash Advance Checks and Balance Transfers through your first twelve billing cycles.*
| Credit Needed |
Issuing Bank |
Type |
Intro Apr |
Intro Period |
Regular Apr |
Annual Fee |
Balance Transfers |
Balance Transfer Apr |
Balance Transfer Intro Period |
| Excellent Credit* |
Bank of America |
Visa* |
0.00%* |
N/A* |
9.90%* |
$0.00* |
Yes* |
0.00%* |
12 months* |
- No annual fee*
- 0% Introductory APR on purchases and balance transfers and cash advance checks for your first 6 billing cycles*
- No fees on balance transfers*
| Credit Needed |
Issuing Bank |
Type |
Intro Apr |
Intro Period |
Regular Apr |
Annual Fee |
Balance Transfers |
Balance Transfer Apr |
Balance Transfer Intro Period |
| Excellent Credit* |
Bank of America |
Visa* |
0.00%* |
6 months* |
12.99%* |
$0.00* |
Yes* |
0.00%* |
6 months* |
- Variable rates as low as Prime - 1%*
- No annual membership fee*
- 0% Introductory APR on balance tranfers for your first 6 billling cycles*
- 25 Day grace period*
- Online access to credit card information*
| Credit Needed |
Issuing Bank |
Type |
Intro Apr |
Intro Period |
Regular Apr |
Annual Fee |
Balance Transfers |
Balance Transfer Apr |
Balance Transfer Intro Period |
| Excellent Credit* |
IBERIABANK |
MasterCard* |
0.00%* |
N/A* |
5.50%* |
$0.00* |
Yes* |
0.00%* |
6 months* |
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If you have excellent credit, pay on time and never miss a payment, carry positive bank balances, and pay your bills on time, and do this for a while, you will develop better and better credit. If your credit isn't excellent, there are still great credit card offers here for people with Good, Fair, or Poor Credit.
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