SwitchWizeSmart financial decisions

Compare · 41 verified cards · Updated August 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 Chase 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 41
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 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
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 creditVerified

Chase 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
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
3Why #3

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

CI
Citi
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
4Why #4

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

CI
Citi
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
5Why #5

$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.

BO
Bank of America
Full review

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Bank of AmericaExcellent creditVerified

Customized Cash Rewards

Trust 95
  • 15-month 0% intro APR
  • No annual fee
  • 3% back on groceries
Sign-up bonus
$200
first year
Annual fee
$0
Intro APR
0% · 15mo
then standard APR
Rewards rate
3.0%
cash back on groceries
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
6Why #6

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 creditVerified

Chase Freedom Flex

Trust 95
  • 15-month 0% intro APR
  • No annual fee
  • 5% back on Rotating 5% (activate) & Dining
Sign-up bonus
$200
first year
Annual fee
$0
Intro APR
0% · 15mo
then standard APR
Rewards rate
5.0%
cash back on rotating 5% (activate) & dining

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
$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
7Why #7

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 creditVerified

Chase 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

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
8Why #8

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 creditVerified

Citi 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
Est. first-year value
$500
Sign-up bonus$200
Rewards earned (base)+$300
Annual fee$0
Then $300/yr ongoing
Base rate on $2,500/mo spend; categories vary · how we calc
See offer
9Why #9

Earn 20,000 bonus Points after spending $1,000 in the first 3 months of account opening.

CI
Citi
Full review

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CitiExcellent creditVerified

Citi Strata

Trust 95
  • 15-month 0% intro APR
  • No annual fee
Sign-up bonus
$200
first year
Annual fee
$0
Intro APR
0% · 15mo
then standard APR
Rewards rate
1.5%
points per $1 spent
Est. first-year value
$650
Sign-up bonus$200
Rewards earned+$450
Annual fee$0
Then $450/yr ongoing
Based on $2,500/mo spend · how we calc
See offer
10Why #10

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 creditVerified

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
Est. first-year value
$800
Sign-up bonus$200
Rewards earned+$600
Annual fee$0
Then $600/yr ongoing
Based on $2,500/mo spend · 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

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