How do you rank Excellent Credit (750+)?

We rank by rate, fees, minimum balance, brand trust, and switching friction. Sponsored products are clearly labeled and do not affect organic rankings.

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Product information and rates are reviewed regularly. Major changes are flagged with an update timestamp.

Compare · 45 verified cards · Updated June 2026

Best credit cards for excellent credit

Tell us your monthly spend and we rank every card by the real dollars it puts back in your pocket — bonus, rewards, and fees included. No marketing headlines.

Independent by designWe rank by value to you — not commissionEvery issuer pays us the same: nothing for a higher rankEstimates use your spend, not a marketing headlineRead methodology →

Your monthly spend$2,500/mo

Your top pick earns

$775

in year one with United Club Infinite, at this spend.

Advertising disclosure: Some products are from partners. This does not affect rankings.

Full disclosure →

MethodologyIndependent rankings. Sponsored offers labeled. Terms verified regularly.Ranked by true cost: Estimated first-year value, ongoing rewards rate, annual fee, sign-up bonus, APR transparency, issuer reliability, and data completeness.

Full methodology →

We only rank cards with complete fee, APR, bonus, and rewards data.

All Cards Cash Back Travel & Miles Balance Transfer No Annual Fee Business Build Credit

Showing 45

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1Our top pick

Best for United lounge access

Full review

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ChaseExcellent creditVerified

United Club Infinite

Trust 95

Sign-up bonus

$1K

first year

Annual fee

$695

Ongoing APR

Varies

see issuer terms

Rewards rate

1.0%

miles per $1 spent

Est. first-year value

$775

Sign-up bonus$1,170

Rewards earned (base)+$300

Annual fee-$695

Then $-395/yr ongoing

Base rate on $2,500/mo spend; categories vary · how we calc

See offer

2Why #2

Earn 100,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.

Full review

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ChaseExcellent creditVerified

Chase Sapphire Preferred

Trust 95

3x points on travel & dining

Sign-up bonus

$1K

first year

Annual fee

$95

Ongoing APR

19%+

see issuer terms

Rewards rate

3.0%

points on travel & dining

Est. first-year value

$1,205

Sign-up bonus$1,000

Rewards earned (base)+$300

In bonus categoriesup to +$900

Annual fee-$95

Then $205/yr ongoing

Base rate on $2,500/mo spend; categories vary · how we calc

See offer

3Why #3

Earn 100,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.

Full review

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ChaseExcellent creditVerified

Chase Sapphire Reserve

Trust 95

4x points on Travel & Dining

Sign-up bonus

$1K

first year

Annual fee

$795

Ongoing APR

19%+

see issuer terms

Rewards rate

4.0%

points on travel & dining

8x via Chase Travel, 4x on flights & hotels booked direct, 3x dining, 1x else. Points redeem at 1.5¢ via Chase Travel or transfer 1:1 to partners. $795 fee offset by travel & dining credits.

Est. first-year value

$505

Sign-up bonus$1,000

Rewards earned (base)+$300

In bonus categoriesup to +$1,200

Annual fee-$795

Then $-495/yr ongoing

Base rate on $2,500/mo spend; categories vary · how we calc

See offer

4Why #4

Best for regular United flyers

Full review

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ChaseExcellent creditVerified

United Quest

Trust 95

Sign-up bonus

$910

first year

Annual fee

$350

Ongoing APR

Varies

see issuer terms

Rewards rate

1.0%

miles per $1 spent

Est. first-year value

$860

Sign-up bonus$910

Rewards earned (base)+$300

Annual fee-$350

Then $-50/yr ongoing

Base rate on $2,500/mo spend; categories vary · how we calc

See offer

5Why #5

Best for occasional United flyers

Full review

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ChaseExcellent creditVerified

United Explorer

Trust 95

Sign-up bonus

$780

first year

Annual fee

$150

Ongoing APR

Varies

see issuer terms

Rewards rate

1.0%

miles per $1 spent

Est. first-year value

$930

Sign-up bonus$780

Rewards earned (base)+$300

Annual fee-$150

Then $150/yr ongoing

Base rate on $2,500/mo spend; categories vary · how we calc

See offer

6Why #6

Earn 75,000 bonus Points after spending $6,000 in the first 3 months of account opening.

Full review

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CitiExcellent creditVerified

Citi Strata Elite

Trust 95

5x points on travel

Sign-up bonus

$750

first year

Annual fee

$595

Ongoing APR

20%+

see issuer terms

Rewards rate

5.0%

points on travel

Est. first-year value

$455

Sign-up bonus$750

Rewards earned (base)+$300

In bonus categoriesup to +$1,500

Annual fee-$595

Then $-295/yr ongoing

Base rate on $2,500/mo spend; categories vary · how we calc

See offer

7Why #7

Ranked with verified fee, rewards, APR, bonus, and source data.

Full review

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CitiExcellent creditVerified

Citi Strata Premier

Trust 95

3x points on travel

Sign-up bonus

$600

first year

Annual fee

$95

Ongoing APR

20%+

see issuer terms

Rewards rate

3.0%

points on travel

Est. first-year value

$805

Sign-up bonus$600

Rewards earned (base)+$300

In bonus categoriesup to +$900

Annual fee-$95

Then $205/yr ongoing

Base rate on $2,500/mo spend; categories vary · how we calc

See offer

8Why #8

Best for Bank of America loyalists

Full review

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Bank of AmericaExcellent creditVerified

Travel Rewards

Trust 95

15-month 0% intro APR
No annual fee

Sign-up bonus

$250

first year

Annual fee

Intro APR

0% · 15mo

then standard APR

Rewards rate

1.5%

points per $1 spent

Est. first-year value

$550

Sign-up bonus$250

Rewards earned (base)+$300

In bonus categoriesup to +$450

Annual fee$0

Then $300/yr ongoing

Base rate on $2,500/mo spend; categories vary · how we calc

See offer

9Why #9

Best for Bank of America cash back

Full review

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Bank of AmericaExcellent creditVerified

Unlimited Cash Rewards

Trust 95

15-month 0% intro APR
No annual fee

Sign-up bonus

$200

first year

Annual fee

Intro APR

0% · 15mo

then standard APR

Rewards rate

1.5%

cash back on spend

Est. first-year value

$500

Sign-up bonus$200

Rewards earned (base)+$300

In bonus categoriesup to +$450

Annual fee$0

Then $300/yr ongoing

Base rate on $2,500/mo spend; categories vary · how we calc

See offer

10Why #10

Best for Amazon Prime households

Full review

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ChaseExcellent creditVerified

Amazon Prime Visa

Trust 95

No annual fee
up to 5% back in bonus categories

Sign-up bonus

$200

first year

Annual fee

Ongoing APR

Varies

see issuer terms

Rewards rate

5.0%

cash back on spend

Est. first-year value

$500

Sign-up bonus$200

Rewards earned (base)+$300

In bonus categoriesup to +$1,500

Annual fee$0

Then $300/yr ongoing

Base rate on $2,500/mo spend; categories vary · how we calc

See offer

1 / 5

Estimates use your $2,500/mo spend·Card terms reviewed regularly·Incomplete card economics are excluded from rankings·How we rank & value cards