Excellent Credit
Credit cards for people with excellent credit scores.
Excellent credit is a wonderful status available to anyone who borrows cautiously and repays fervently. Excellent credit as measured by a FICO score is usually that which scores 750 or above. Factors that contribute to excellent credit are how long you have had credit, how regularly you pay your bills, the amount of debt you have, the ratio of your balances to your limits in various accounts, and any other matters that may have been reported about your borrowing behavior. Excellent credit is something to be protected. It will allow you the lowest interest rates and the easiest application process going forward.
* See the online Excellent Credit for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the “Apply Now” button, you can review the credit card terms and conditions on the issuer’s website.
- Introductory Rate of 0.00% or 7.50% based on creditworthiness for 12 months from date opened on Purchases. This rate will not change during the introductory period.
- Low Introductory APR on Balance Transfers of 1.99% for the first 12 billing cycles, this rate will not change during the introductory period. Applies to balance transfers processed within three months of your account open date. After that, your APR will be the same as your assigned purchase rate, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
- Low Ongoing Variable Rate APR after introductory period of 7.50%, 9.50%, or 11.50% (Prime + 4.25%, Prime + 6.25%, and Prime + 8.25%) based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
- Product Enhancements include: Auto Rental Collision Damage Waiver, Roadside Dispatch and Travel Emergency Services.
- Online access to credit card account information
- Low Annual Fee of $35.00
| Annual Fee | Intro APR | Intro APR Period | Regular APR | Balance Transfer | Credit Quality |
| $35 | 0% or 7.50% | 12 months on purchases | 7.50%, 9.50%, or 11.50%* | Yes | Excellent Credit |
- 0% intro APR on balance transfers for 15 months, then the Regular APR
- 0% intro APR on purchases for 15 months, then the Regular APR
- 5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants, home improvement stores and more
- Up to 1% unlimited Cashback Bonus on all other purchases
- No Annual Fee
| Annual Fee | Intro APR | Intro APR Period | Regular APR | Balance Transfer | Credit Quality |
| None | 0% | 15 Months* | 11.99% - 20.99% (V)* | Yes | N / A |
- Free $75 Restaurant.com Gift Certificate with first purchase
- 2% Cashback Bonus automatically at any gas station and any restaurant
- 5% to 20% Cashback Bonus at over 150 top retailers through our online shopping mall
- Up to 1% unlimited Cashback Bonus on all other purchases
- 0% intro APR on purchases and balance transfers for 12 months, then the Regular APR of 11.99% - 20.99% (V)
| Annual Fee | Intro APR | Intro APR Period | Regular APR | Balance Transfer | Credit Quality |
| None | 0%* | 12 Months* | 11.99%-20.99%(Variable)* | Yes | Excellent |
- Perfect card for Government/Benefits Checks recipients
- $0 activation with rebate*
- 100% guaranteed approval*/no credit check
- Free direct deposit of your pay or government check
- Free unlimited purchase transactions anywhere where MasterCard Debit card is accepted
- No overdraft fees or minimum balances
- Online Checking - Electronic or paper checks
| Annual Fee | Intro APR | Intro APR Period | Regular APR | Balance Transfer | Credit Quality |
| $47.40 | N/A | N/A | N/A | N/A | N / A |
- Earn up to 25,000 Starpoints - enough for up to 6 free nights at a category 1 or 2 hotel.
- Redeem Starpoints (R) for free nights at over 1,000 hotels and resorts in nearly 100 countries and for free flights on over 350 airlines - all with no blackout dates.
- No annual fee for the first year - then $65.
- Stay 2 nights and get the 3rd night free at participating Sheraton (R) Hotels and Resorts worldwide.
- Earn 4 to 5 Starpoints for every dollar you spend at Starwood Preferred Guest Hotels and Resorts.
- Smarter Travel Editor's Choice Award for Best Travel Awards Card for Domestic Use.
| Annual Fee | Intro APR | Intro APR Period | Regular APR | Balance Transfer | Credit Quality |
| No annual fee for the first year - then $65 | 2.9% | 2.90% on Purchases and Balance Transfers for 6 months | 15.24% variable | Yes | N / A |
- No annual fee, 0% intro APR on purchases for up to 12 months, flexibility to pay over time
- Enjoy travel rewards with no restrictions or blackout dates - earn points redeemable for flights on any airline, stays at any hotel, and car rentals with any company
- Redeem travel rewards with as few as 7,500 points, good for a $100 statement credit on any travel purchase
- Feel secure with protection from fraudulent charges and extensions of manufacturer's warranties on eligible purchases
| Annual Fee | Intro APR | Intro APR Period | Regular APR | Balance Transfer | Credit Quality |
| None | 0.0% | 0% on Purchases for 6 months | 17.24%-21.24% Variable | Yes | N / A |
- Earn 10,000 Membership Rewards(R) bonus points when you spend $500 in your first 3 months of Card membership - redeemable for select gift cards valued at $100!
- The Membership Rewards program - Turn your everyday purchases into Membership Rewards points, and then redeem them for an amazing collection of travel, shopping, dining and entertainment rewards.
- Gold Card Events - exclusive access to tickets for select concerts, shows, major sporting events, and more in cities nationwide.
- Express Approval. Get a decision in 60 seconds.
| Annual Fee | Intro APR | Intro APR Period | Regular APR | Balance Transfer | Credit Quality |
| $125 | N / A | N / A | N / A | N / A | N / A |
- Earn a $25 statement credit with $500 in eligible spending
- No annual fee, 0% intro APR on purchases for up to 12 months, flexibility to pay over time
- Earn up to 5% cash back on eligible purchases at supermarkets, gas stations, drugstores, and more
- No limit on the cash back you can earn
| Annual Fee | Intro APR | Intro APR Period | Regular APR | Balance Transfer | Credit Quality |
| None | 0.0% | 0% on Purchases for 6 months | 17.24%-21.24% Variable | Yes | N / A |
- Earn 50,000 Membership Rewards® bonus points when you spend $1,000 in your first three months of Card membership
- Get up to $200 in Airline Fee Credits annually to cover incidental fees with your favorite airline
- Airport Club access for you and your guests
- Platinum Card® Concierge is at your service 24/7 to help with gift buying, reservation making, and more
- FINE HOTELS & RESORTS program offers special upgrades and amenities at more than 600 locations worldwide
| Annual Fee | Intro APR | Intro APR Period | Regular APR | Balance Transfer | Credit Quality |
| $450.00 | N / A | N / A | N / A | N / A | N / A |
- No annual fee for Costco members
- 0% intro APR on purchases for six months
- Earn cash back wherever you buy, including 3% for gasoline for annual gasoline purchases of up to $3,000 (1% thereafter), 3% for restaurants, 2% for travel, and 1% virtually everywhere else
- Rated 4.5 out of 5 stars in Overall Satisfaction Rating, based on feedback from current TrueEarnings&174; Cardmembers from Costco and American Express
| Annual Fee | Intro APR | Intro APR Period | Regular APR | Balance Transfer | Credit Quality |
| No annual fee for this credit card with your paid Costco Membership | 0.0% | 0% on Purchases for 6 months | 15.24% variable | Yes | N / A |
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Current Interest Rates
- Update: 02-04-2012
- 12.65% National Average
- 12.88% Low Interest
- 23.00% Reward
- 12.99% Student
- 12.99% Bad Credit
- 17.33% Business
- 14.49% Cash Back
- 14.49% Instant Approval
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