SwitchWizeFinancial Decisions, Made Clearer

Compare · 25 verified cards · Updated September 2026

Best Excellent Credit (750+) — September 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
$505
in year one with Sapphire Reserve, at this spend.
MethodologyIndependent rankings. Sponsored offers labeled. Terms verified regularly.
We only rank cards with complete fee, APR, bonus, and rewards data.
All CardsCash BackTravel & MilesBalance TransferNo Annual FeeBusinessBuild Credit
Showing 25
1Our top pick

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

CH
Chase
Full review

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ChaseExcellent creditVerifiedverified just now

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
Reality Score
34%
realized vs. advertised

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

SwitchWize earns nothing if you apply for this card.

2Why #2

Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.

CH
Chase
Full review

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ChaseExcellent creditVerifiedverified just now

Sapphire Preferred

Trust 95
  • 3x points on travel & dining
Sign-up bonus
$750
first year
Annual fee
$95
Ongoing APR
19%+
see issuer terms
Rewards rate
3.0%
points on travel & dining
Reality Score
+$1,201
net value vs. fee

5x on Chase Travel, 3x dining, streaming and online groceries, 2x other travel, 1x else. Points redeem at 1.25¢ via Chase Travel or transfer 1:1 to ~14 airline/hotel partners.

Est. first-year value
$955
Sign-up bonus$750
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

SwitchWize earns nothing if you apply for this card.

3Why #3

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

CI
Citi
Full review

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CitiExcellent creditVerifiednot re-verified since Sep 4, 2026

Strata Premier Card

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
Reality Score
+$1,019
net value vs. fee

3x on air travel, hotels, restaurants, supermarkets, and gas/EV charging; 1x else. ThankYou points transfer to airline partners or redeem for travel.

Est. first-year value
$1,369
Sign-up bonus$600
Rewards earned (base)+$864
In bonus categoriesup to +$900
View rewards calculation
all purchases1.6% on $30,000: +$480
gas4.8% on $2,100: +$67
dining4.8% on $3,900: +$125
groceries4.8% on $6,000: +$192
Annual fee-$95
Then $769/yr ongoing
Base rate on $2,500/mo spend; categories vary · how we calc
See offer

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4Why #4

Limited Time Offer! Earn a $250 Bonus after you spend $500 on purchases in your first 3 months from account opening

CH
Chase
Full review

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ChaseExcellent creditVerifiedverified just now

Freedom Flex

Trust 95
  • 15-month 0% intro APR
  • No annual fee
  • 5% back on Rotating 5% (activate) & Dining
Sign-up bonus
$250
first year
Annual fee
$0
Intro APR
0% · 15mo
then standard APR
Rewards rate
5.0%
cash back on rotating 5% (activate) & dining
Reality Score
Not yet scored
coming soon for this card

5% on rotating quarterly categories you activate (up to $1,500/qtr), 5x on Chase Travel, 3% on dining & drugstores, 1% else. Activation required each quarter for the 5%.

Est. first-year value
$550
Sign-up bonus$250
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

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5Why #5

Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening

CH
Chase
Full review

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ChaseExcellent creditVerifiedverified just now

Freedom Unlimited

Trust 95
  • No annual fee
  • 3% back on travel & dining
Sign-up bonus
$200
first year
Annual fee
$0
Ongoing APR
18%+
see issuer terms
Rewards rate
3.0%
cash back on travel & dining
Reality Score
Not yet scored
coming soon for this card

5% on Chase Travel, 3% on dining & drugstores, 1.5% on all other purchases. No caps on the 1.5%/3%; no activation needed.

Est. first-year value
$500
Sign-up bonus$200
Rewards earned (base)+$300
In bonus categoriesup to +$900
Annual fee$0
Then $300/yr ongoing
Base rate on $2,500/mo spend; categories vary · how we calc
See offer

SwitchWize earns nothing if you apply for this card.

6Why #6

Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou Points, which can be redeemed for $200 cash back

CI
Citi
Full review

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CitiExcellent creditVerifiedverified just now

Double Cash

Trust 95
  • 18-month 0% intro APR
  • No annual fee
  • 1% back on travel
Sign-up bonus
$200
first year
Annual fee
$0
Intro APR
0% · 18mo
then standard APR
Rewards rate
1.0%
cash back on travel
Reality Score
Not yet scored
coming soon for this card

2% total — 1% when you buy, 1% as you pay it off. No categories, no caps. Can be paired to convert earnings into transferable ThankYou points.

Est. first-year value
$800
Sign-up bonus$200
Rewards earned (base)+$600
Annual fee$0
Then $600/yr ongoing
Base rate on $2,500/mo spend; categories vary · how we calc
See offer

SwitchWize earns nothing if you apply for this card.

7Why #7

Everyday spenders who want simple, unlimited flat-rate cash back with no annual fee.

WF
Wells Fargo
Full review

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Wells FargoExcellent creditVerifiedverified just now

Active Cash

Trust 95
  • 15-month 0% intro APR
  • No annual fee
  • 2.0% back on all purchases
Sign-up bonus
$200
first year
Annual fee
$0
Intro APR
0% · 15mo
then standard APR
Rewards rate
2.0%
cash back on spend
Reality Score
Not yet scored
coming soon for this card

Flat 2% cash rewards on all purchases — no categories to track and no caps. $0 annual fee.

Est. first-year value
$800
Sign-up bonus$200
Rewards earned (base)+$600
Annual fee$0
Then $600/yr ongoing
Base rate on $2,500/mo spend; categories vary · how we calc
See offer

SwitchWize earns nothing if you apply for this card.

8Why #8

Best for United lounge access

CH
Chase
Full review

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ChaseExcellent creditVerifiednot re-verified since Jun 21, 2026

United Club Infinite

Trust 95
Sign-up bonus
$1K
first year
Annual fee
$695
Ongoing APR
19.74–28.24%
see issuer terms
Rewards rate
1.0%
miles per $1 spent
Reality Score
132%
realized vs. advertised
Est. first-year value
$951
Sign-up bonus$1,170
Rewards earned (base)+$476
View rewards calculation
all purchases1.3% on $30,000: +$390
dining2.6% on $3,900: +$51
travel2.6% on $2,700: +$35
Annual fee-$695
Then $-219/yr ongoing
Base rate on $2,500/mo spend; categories vary · how we calc
See offer

SwitchWize earns nothing if you apply for this card.

9Why #9

Best for regular United flyers

CH
Chase
Full review

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ChaseExcellent creditVerifiednot re-verified since Jun 21, 2026

United Quest

Trust 95
Sign-up bonus
$910
first year
Annual fee
$350
Ongoing APR
19.74–28.24%
see issuer terms
Rewards rate
1.0%
miles per $1 spent
Reality Score
102%
realized vs. advertised
Est. first-year value
$1,036
Sign-up bonus$910
Rewards earned (base)+$476
View rewards calculation
all purchases1.3% on $30,000: +$390
dining2.6% on $3,900: +$51
travel2.6% on $2,700: +$35
Annual fee-$350
Then $126/yr ongoing
Base rate on $2,500/mo spend; categories vary · how we calc
See offer

SwitchWize earns nothing if you apply for this card.

10Why #10

Best for occasional United flyers

CH
Chase
Full review

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ChaseExcellent creditVerifiednot re-verified since Jun 21, 2026

United Explorer

Trust 95
Sign-up bonus
$780
first year
Annual fee
$150
Ongoing APR
19.74–28.24%
see issuer terms
Rewards rate
1.0%
miles per $1 spent
Reality Score
88%
realized vs. advertised
Est. first-year value
$1,071
Sign-up bonus$780
Rewards earned (base)+$441
View rewards calculation
all purchases1.3% on $30,000: +$390
dining2.6% on $3,900: +$51
Annual fee-$150
Then $291/yr ongoing
Base rate on $2,500/mo spend; categories vary · how we calc
See offer

SwitchWize earns nothing if you apply for this card.

1 / 3
Estimates use your $2,500/mo spend·Card terms reviewed regularly·Incomplete card economics are excluded from rankings·How we rank & value cards

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