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Introduction to Credit Cards for Excellent Credit Good credit can help you qualify for loans and borrow money at lower rates. But those aren't the only advantages. Maintaining a high credit score can also help you get approved for the very best credit cards, as cards that require excellent credit tend to offer high-end benefits and lavish rewards.
Read on to see our selection of credit cards tailored to people with FICO's highest ratings. Your credit score is only one of several factors that determine whether your credit card application will be approved. A low credit score doesn't automatically disqualify you, but you're most likely to be approved if you have an excellent credit score (a FICO score above 800) or a very good credit score (between 740 and 799).
Best Credit Cards for Excellent Credit of July 2024 Chase Sapphire Preferred® Card : Best mid-tier travel card Bank of America® Premium Rewards® credit card : Best for cash back rewards with qualifying banking relationship Discover it® Miles : Best for intro 0% APR Capital One Venture X Rewards Credit Card : Best value premium travel card The Platinum Card® from American Express : Best for luxury travel benefits Compare the Top Credit Cards for Excellent Credit Earn 5x on travel purchased through Chase TravelSM. Earn 3x on dining, select streaming services and online groceries. Earn 2x on all other travel purchases.
Earn 1x on all other purchases. $95 N/A 21.49% - 28.
49% Variable Earn 60,000 bonus points Good to Excellent Check mark icon A check mark. It indicates a confirmation of your intended interaction. High intro bonus offer starts you off with lots of points Check mark icon A check mark.
It indicates a confirmation of your intended interaction. Strong travel coverage con icon Two crossed lines that form an 'X'. Doesn't offer a Global Entry/TSA PreCheck application fee credit If you're new to travel rewards credit cards or just don't want to pay hundreds in annual fees, the Chase Sapphire Preferred® Card is a smart choice.
It earns bonus points on a wide variety of travel and dining purchases and offers strong travel and purchase coverage, including primary car rental insurance. Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase TravelSM.
Enjoy benefits such as 5x on travel purchased through Chase TravelSM, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more. Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase TravelSM. For example, 60,000 points are worth $750 toward travel.
Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more. Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024. Member FDIC Earn unlimited 2 points for every $1 spent on travel and dining purchases and unlimited 1.
5 points for every $1 spent on all other purchases. No limit to the points you can earn and your points don't expire as long as your account remains open. $95 N/A 21.
24% - 29.24% Variable Earn 60,000 online bonus points Good to Excellent Check mark icon A check mark. It indicates a confirmation of your intended interaction.
Statement credits can help you recoup the annual fee Check mark icon A check mark. It indicates a confirmation of your intended interaction. Earns 1.
5 points per dollar on purchases outside of bonus categories Check mark icon A check mark. It indicates a confirmation of your intended interaction. Good welcome bonus con icon Two crossed lines that form an 'X'.
To earn the highest rewards rate, you need to qualify for Bank of America's Preferred Rewards program, which requires a minimum of $20,000 in eligible accounts The Bank of America® Premium Rewards® credit card is ideal for folks who want a travel credit card with strong points earning and top-notch benefits without a high annual fee. Low $95 annual fee. Receive 60,000 online bonus points - a $600 value - after you make at least $4,000 in purchases in the first 90 days of account opening.
Earn unlimited 2 points for every $1 spent on travel and dining purchases and unlimited 1.5 points for every $1 spent on all other purchases. No limit to the points you can earn and your points don't expire as long as your account remains open.
If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more points on every purchase. That means you could earn 2.5-3.
5 points on travel and dining purchases and 1.87 - 2.62 points on all other purchases, for every $1 you spend.
Redeem for cash back as a statement credit, deposit into eligible Bank of America® accounts, credit to eligible Merrill® accounts, or gift cards or purchases at the Bank of America Travel Center. Get up to $100 in Airline Incidental Statement Credits annually and TSA PreCheck®/Global Entry Statement Credits of up to $100, every four years. Travel Insurance protections to assist with trip delays, cancellations and interruptions, baggage delays and lost luggage.
No foreign transaction fees. This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
Automatically earn unlimited 1.5x Miles on every dollar of every purchase $0 0% intro APR for 15 months on purchases 18.24% - 28.
24% Variable Unlimited match of all the miles you've earned at the end of your first year Good to Excellent Check mark icon A check mark. It indicates a confirmation of your intended interaction. Unlimited 1.
5x miles on all purchases Check mark icon A check mark. It indicates a confirmation of your intended interaction. Discover matches all the miles you've earned at the end of your first year con icon Two crossed lines that form an 'X'.
Limited benefits compared to other travel rewards cards If you're looking for a no-annual-fee credit card with a simple rewards structure, the Discover it® Miles is worth considering. Its biggest strength is the 1.5x miles it earns across the board, along with Discover's Unlimited Bonus program that matches all the rewards you earn in the first year.
Unlimited Bonus: Unlimited Mile-for-Mile match for all new cardmembers—only from Discover. Discover gives you an unlimited match of all the Miles you’ve earned at the end of your first year. You could turn 35,000 Miles to 70,000 Miles.
There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match. Automatically earn unlimited 1.
5x Miles on every dollar of every purchase No annual fee Turn Miles into cash. Or redeem as a statement credit for your travel purchases like airfare, hotels, rideshares, gas stations, restaurants and more. 0% intro APR for 15 months on purchases.
Then 18.24% - 28.24% Standard Variable Purchase APR will apply.
Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app. Discover is accepted nationwide by 99% of the places that take credit cards.
Terms and conditions apply. Earn unlimited 10 miles per dollar on hotels and rental cars booked through Capital One Travel. Earn 5 miles per dollar on flights booked through Capital One Travel.
Earn unlimited 2 miles on all other purchases. $395 N/A 19.99% - 29.
99% variable Earn 75,000 bonus miles Excellent Check mark icon A check mark. It indicates a confirmation of your intended interaction. Excellent welcome bonus and miles earning Check mark icon A check mark.
It indicates a confirmation of your intended interaction. Premium perks including airport lounge access and credits for certain purchases Check mark icon A check mark. It indicates a confirmation of your intended interaction.
Visa Infinite benefits including travel and shopping protections con icon Two crossed lines that form an 'X'. High annual fee con icon Two crossed lines that form an 'X'. Annual travel credits only apply to Capital One Travel purchases The Capital One Venture X Rewards Credit Card is one of the best credit cards for frequent travelers, with top-notch benefits and a wide range of built-in protections.
It comes with a generous welcome bonus and credits that can help offset the annual fee — which is much lower than similar premium cards. Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel Receive a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel Earn unlimited 2X miles on all other purchases Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs Elevate every hotel stay from the Premier or Lifestyle Collections with a suite of cardholder benefits, like an experience credit, room upgrades, and more Receive up to a $100 credit for Global Entry or TSA PreCheck® Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel (on up to $500,000 per calendar year) and on prepaid hotels booked with American Express Travel. Earn 1X Points on other purchases.
$695 N/A See Pay Over Time APR Earn 80,000 Membership Rewards® points Good to Excellent Check mark icon A check mark. It indicates a confirmation of your intended interaction. Long list of travel benefits, including airport lounge access and complimentary elite status with Hilton and Marriott (enrollment required) Check mark icon A check mark.
It indicates a confirmation of your intended interaction. Annual statement credits with Saks and Uber con icon Two crossed lines that form an 'X'. Bonus categories leave something to be desired con icon Two crossed lines that form an 'X'.
One of the highest annual fees among premium travel cards If you want as many premium travel perks as possible, The Platinum Card® from American Express could be the right card for you. The annual fee is high, but you get a long list of benefits such as airport lounge access, travel statement credits, complimentary hotel elite status, and more. Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership.
Apply and select your preferred metal Card design: classic Platinum, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu. Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel. $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®.
The Hotel Collection requires a minimum two-night stay. $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market. As of 03/2023.
$155 Walmart+ Credit: Save on eligible delivery fees, shipping, and more with a Walmart+ membership. Use your Platinum Card® to pay for a monthly Walmart+ membership and get up to $12.95 plus applicable taxes back on one membership (excluding Plus Ups) each month.
$200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card®. $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only.
Terms Apply. $189 CLEAR® Plus Credit: CLEAR® Plus helps to get you to your gate faster at 50+ airports nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Card. CLEARLanes are available at 100+ airports, stadiums, and entertainment venues.
Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 year period for TSA PreCheck® application fee for a 5-year plan only (through a TSA PreCheck® official enrollment provider), when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That's up to $50 in statement credits semi-annually.
Enrollment required. Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card® to your Resy profile. $695 annual fee.
Terms Apply. Best Credit Cards for Excellent Credit Reviews Consumers with excellent credit have a lot of options when it comes to credit cards. The best ones offer generous bonus categories, purchase protection and travel insurance, and luxury perks such as credit toward Saks Fifth Avenue purchases, airline lounge access, and 0% introductory APR periods.
The cards reviewed below were personally selected by Business Insider's team of credit card experts. Best Mid-Tier Travel Card: Chase Sapphire Preferred® Card Earn 5x on travel purchased through Chase TravelSM. Earn 3x on dining, select streaming services and online groceries.
Earn 2x on all other travel purchases. Earn 1x on all other purchases. $95 N/A 21.
49% - 28.49% Variable Earn 60,000 bonus points Good to Excellent Check mark icon A check mark. It indicates a confirmation of your intended interaction.
High intro bonus offer starts you off with lots of points Check mark icon A check mark. It indicates a confirmation of your intended interaction. Strong travel coverage con icon Two crossed lines that form an 'X'.
Doesn't offer a Global Entry/TSA PreCheck application fee credit If you're new to travel rewards credit cards or just don't want to pay hundreds in annual fees, the Chase Sapphire Preferred® Card is a smart choice. It earns bonus points on a wide variety of travel and dining purchases and offers strong travel and purchase coverage, including primary car rental insurance. Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
That's $750 when you redeem through Chase TravelSM. Enjoy benefits such as 5x on travel purchased through Chase TravelSM, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more. Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase TravelSM.
For example, 60,000 points are worth $750 toward travel. Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more. Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
Member FDIC Our pick for the best travel credit card overall, the Chase Sapphire Preferred® Card is a great fit for frequent travelers who don't want to spring for a premium card with a high annual fee. Cardholders earn rewards at competitive rates, have quality redemption options with Chase's airline and hotel transfer partners , and get essential travel benefits and a handful of other perks for a relatively modest $95 annual fee. The card has a welcome bonus offer of 60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening.
With an average redemption value of 1.8 cents per Chase point, we value that bonus at $1,080 in travel. Beyond that, you'll earn 5 points per dollar on travel booked through Chase and on Lyft rides, plus 3 points per dollar on dining, select streaming services, and online grocery purchases, and 2 points per dollar on other travel.
Cardholders also get an anniversary bonus that effectively adds 0.1 points per dollar spent, making purchases slightly more rewarding. The Chase Sapphire Preferred® Card doesn't have benefits of the same caliber as the cards listed above, but it does offer primary rental car insurance and an assortment of travel insurance and purchase protections, including baggage delay insurance that kicks in after only six hours.
The card also comes with an annual credit of up to $50 for hotels booked through the Chase Travel SM Portal , as well as perks with delivery services DoorDash and Instacart. Read our Chase Sapphire Preferred review to learn more about this card. Best for Cash Back Rewards With Qualifying Banking Relationship: Bank of America® Premium Rewards® credit card Earn unlimited 2 points for every $1 spent on travel and dining purchases and unlimited 1.
5 points for every $1 spent on all other purchases. No limit to the points you can earn and your points don't expire as long as your account remains open. $95 N/A 21.
24% - 29.24% Variable Earn 60,000 online bonus points Good to Excellent Check mark icon A check mark. It indicates a confirmation of your intended interaction.
Statement credits can help you recoup the annual fee Check mark icon A check mark. It indicates a confirmation of your intended interaction. Earns 1.
5 points per dollar on purchases outside of bonus categories Check mark icon A check mark. It indicates a confirmation of your intended interaction. Good welcome bonus con icon Two crossed lines that form an 'X'.
To earn the highest rewards rate, you need to qualify for Bank of America's Preferred Rewards program, which requires a minimum of $20,000 in eligible accounts The Bank of America® Premium Rewards® credit card is ideal for folks who want a travel credit card with strong points earning and top-notch benefits without a high annual fee. Low $95 annual fee. Receive 60,000 online bonus points - a $600 value - after you make at least $4,000 in purchases in the first 90 days of account opening.
Earn unlimited 2 points for every $1 spent on travel and dining purchases and unlimited 1.5 points for every $1 spent on all other purchases. No limit to the points you can earn and your points don't expire as long as your account remains open.
If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more points on every purchase. That means you could earn 2.5-3.
5 points on travel and dining purchases and 1.87 - 2.62 points on all other purchases, for every $1 you spend.
Redeem for cash back as a statement credit, deposit into eligible Bank of America® accounts, credit to eligible Merrill® accounts, or gift cards or purchases at the Bank of America Travel Center. Get up to $100 in Airline Incidental Statement Credits annually and TSA PreCheck®/Global Entry Statement Credits of up to $100, every four years. Travel Insurance protections to assist with trip delays, cancellations and interruptions, baggage delays and lost luggage.
No foreign transaction fees. This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
The Bank of America® Premium Rewards® credit card isn't flashy, but it offers unique long-term value for those who prefer cash-back rewards and have a broader banking relationship with Bank of America. Business Insider named it one of the best Bank of America credit cards available. The card earns 2 points per dollar on travel and dining, and 1.
5 points per dollar on other purchases. Since Bank of America has no airline or hotel transfer partners, these points have a flat redemption value of 1 cent apiece, yielding 2% cash back on travel and dining, and 1.5% cash back elsewhere.
Neither of those rates is compelling, but you can boost your earnings by as much as 75% as a Bank of America Preferred Rewards customer. At the top tier, you'll earn uncapped 3.5% cash back on travel and dining, and 2.
625% cash back on other purchases. That compares favorably with other cash-back options. The card comes with an intro offer of 60,000 online bonus points after you make at least $4,000 in purchases in the first 90 days of account opening (worth $600 according to Personal Finance Insider's valuations).
It also offers up to $100 in airline incidental credits each year — enough to offset the $95 annual fee — plus an application fee credit of up to $100 toward Global Entry or TSA PreCheck, and a standard set of travel and purchase protections. Read our Bank of America Premium Rewards credit card review to learn more. Best for 0% Intro APR: Discover it® Miles Automatically earn unlimited 1.
5x Miles on every dollar of every purchase $0 0% intro APR for 15 months on purchases 18.24% - 28.24% Variable Unlimited match of all the miles you've earned at the end of your first year Good to Excellent Check mark icon A check mark.
It indicates a confirmation of your intended interaction. Unlimited 1.5x miles on all purchases Check mark icon A check mark.
It indicates a confirmation of your intended interaction. Discover matches all the miles you've earned at the end of your first year con icon Two crossed lines that form an 'X'. Limited benefits compared to other travel rewards cards If you're looking for a no-annual-fee credit card with a simple rewards structure, the Discover it® Miles is worth considering.
Its biggest strength is the 1.5x miles it earns across the board, along with Discover's Unlimited Bonus program that matches all the rewards you earn in the first year. Unlimited Bonus: Unlimited Mile-for-Mile match for all new cardmembers—only from Discover.
Discover gives you an unlimited match of all the Miles you’ve earned at the end of your first year. You could turn 35,000 Miles to 70,000 Miles. There’s no signing up, no minimum spending or maximum rewards.
Just a Miles-for-Miles match. Automatically earn unlimited 1.5x Miles on every dollar of every purchase No annual fee Turn Miles into cash.
Or redeem as a statement credit for your travel purchases like airfare, hotels, rideshares, gas stations, restaurants and more. 0% intro APR for 15 months on purchases. Then 18.
24% - 28.24% Standard Variable Purchase APR will apply. Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data.
It’s free, activate with the mobile app. Discover is accepted nationwide by 99% of the places that take credit cards. Terms and conditions apply.
Plenty of cards come with a 0% introductory APR . But many of them don't earn rewards, offer too short of an introductory period, or limit the introductory rate exclusively to balance transfers. The Discover it® Miles offers a good balance of a lengthy zero-interest period and better-than-average rewards for spending.
New cardholders get a 0% intro APR for 15 months on purchases (followed by a 18.24% - 28.24% Variable APR).
If the length of the 0% APR period is your primary concern, then you may prefer an option like the Wells Fargo Reflect® Card , which charges a 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers made within 120 days (then a 18.24%, 24.74%, or 29.
99% variable APR). However, that card offers nothing in return for your spending. In comparison, the Discover it® Miles earns an uncapped 1.
5 miles per dollar on all purchases. Rather than award a large welcome bonus upfront, the card offers an unlimited bonus that matches all the cash back you've earned after the first year. That effectively boosts the earning rate to 3 miles per dollar on all your spending.
Discover miles are worth 1 cent each when you redeem for statement credits or transfer to a bank account, so earning 3 miles per dollar equates to 3% cash back. Read our Discover it Miles review to learn more. Best Value Premium Travel Card: Capital One Venture X Rewards Credit Card Earn unlimited 10 miles per dollar on hotels and rental cars booked through Capital One Travel.
Earn 5 miles per dollar on flights booked through Capital One Travel. Earn unlimited 2 miles on all other purchases. $395 N/A 19.
99% - 29.99% variable Earn 75,000 bonus miles Excellent Check mark icon A check mark. It indicates a confirmation of your intended interaction.
Excellent welcome bonus and miles earning Check mark icon A check mark. It indicates a confirmation of your intended interaction. Premium perks including airport lounge access and credits for certain purchases Check mark icon A check mark.
It indicates a confirmation of your intended interaction. Visa Infinite benefits including travel and shopping protections con icon Two crossed lines that form an 'X'. High annual fee con icon Two crossed lines that form an 'X'.
Annual travel credits only apply to Capital One Travel purchases The Capital One Venture X Rewards Credit Card is one of the best credit cards for frequent travelers, with top-notch benefits and a wide range of built-in protections. It comes with a generous welcome bonus and credits that can help offset the annual fee — which is much lower than similar premium cards. Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel Receive a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel Earn unlimited 2X miles on all other purchases Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs Elevate every hotel stay from the Premier or Lifestyle Collections with a suite of cardholder benefits, like an experience credit, room upgrades, and more Receive up to a $100 credit for Global Entry or TSA PreCheck® The Capital One Venture X Rewards Credit Card is Capital One's entry into the premium credit card market.
This metal credit card comes with valuable benefits to rival its competitors, but charges a $395 annual fee ( rates and fees ) that's lower than most other premium cards, making it an excellent value overall. As a cardholder, you'll get an annual credit of $300 toward travel booked through the Capital One Travel Portal , plus access to the new Premier Collection luxury hotel booking program. You also receive an annual bonus of 10,000 miles on your account anniversary.
That bonus is worth $100 when you redeem directly with Capital One , or you can get a better return by transferring Capital One miles to airline and hotel partners . Those two benefits alone more than offset the annual fee, but you'll get plenty more. The Capital One Venture X Rewards Credit Card grants cardholders access to Priority Pass airport lounges with 1,300 locations worldwide, as well as Plaza Premium lounges and Capital One's own (very) small but growing network of lounges.
The card offers an application fee credit of up to $100 for expedited security programs Global Entry and TSA PreCheck , and comes with first-rate travel protections like primary rental car insurance and trip delay insurance that applies after just six hours. The card comes with an introductory offer of 75,000 bonus miles when you spend $4,000 on purchases in the first three months from account opening. That's worth about $1,275 in travel, according to Business Insider's valuation of Capital One miles .
Beyond that, you'll earn 5 miles per dollar on flights and 10 miles per dollar on hotels and rental cars when you book through the Capital One Travel portal. You'll also earn 2 miles per dollar on all other purchases, making it a good option for everyday spending. Read more in our Capital One Venture X Rewards credit card review .
Best for Luxury Travel Benefits: The Platinum Card® from American Express Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel (on up to $500,000 per calendar year) and on prepaid hotels booked with American Express Travel. Earn 1X Points on other purchases. $695 N/A See Pay Over Time APR Earn 80,000 Membership Rewards® points Good to Excellent Check mark icon A check mark.
It indicates a confirmation of your intended interaction. Long list of travel benefits, including airport lounge access and complimentary elite status with Hilton and Marriott (enrollment required) Check mark icon A check mark. It indicates a confirmation of your intended interaction.
Annual statement credits with Saks and Uber con icon Two crossed lines that form an 'X'. Bonus categories leave something to be desired con icon Two crossed lines that form an 'X'. One of the highest annual fees among premium travel cards If you want as many premium travel perks as possible, The Platinum Card® from American Express could be the right card for you.
The annual fee is high, but you get a long list of benefits such as airport lounge access, travel statement credits, complimentary hotel elite status, and more. Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel. $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®. The Hotel Collection requires a minimum two-night stay.
$240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required. The American Express Global Lounge Collection® can provide an escape at the airport.
With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market. As of 03/2023. $155 Walmart+ Credit: Save on eligible delivery fees, shipping, and more with a Walmart+ membership.
Use your Platinum Card® to pay for a monthly Walmart+ membership and get up to $12.95 plus applicable taxes back on one membership (excluding Plus Ups) each month. $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card®.
$200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only. Terms Apply.
$189 CLEAR® Plus Credit: CLEAR® Plus helps to get you to your gate faster at 50+ airports nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Card. CLEARLanes are available at 100+ airports, stadiums, and entertainment venues. Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.
5 year period for TSA PreCheck® application fee for a 5-year plan only (through a TSA PreCheck® official enrollment provider), when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost. Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.
com on your Platinum Card®. That's up to $50 in statement credits semi-annually. Enrollment required.
Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card® to your Resy profile. $695 annual fee. Terms Apply.
The Platinum Card® from American Express has long been considered among the top travel rewards cards thanks to its array of high-end benefits, many of which apply to authorized users along with the primary cardholder. While $695 annual fee is one of the highest you'll find on any publicly available card, it's a surprisingly good value if you put enough of those benefits to use. Travel perks include up to $200 annually in statement credits toward airline incidental fees on one airline of your choice**, up to $200 annually toward prepaid hotel bookings through American Express Travel , up to $200 in Uber Cash credits each year**, and credits to cover the cost of both a CLEAR expedited airport security membership and Global Entry or TSA PreCheck**.
Credits aside, you get access to Amex Centurion lounges and other airport lounges, elite status with Marriott and Hilton, hotel perks through the Amex Fine Hotels and Resorts program, and travel protections like trip delay and lost baggage insurance. Amex Platinum also offers a variety of retail and shopping benefits you can enroll in, including credits toward Saks Fifth Avenue purchases, select digital subscription services, Walmart+ membership, and more. You'll also get coverage like purchase protection, return protection, and extended warranty for eligible items you buy with your card.
The Platinum Card® from American Express comes with a welcome bonus offer of 80,000 Membership Rewards® points after you spend $8,000 on eligible purchases on your new card in your first six months of card membership. Based on Business Insider's valuation of Amex points, that's potentially worth $1,440 in travel. It's not the best card for everyday spending, since it only earns 1 point per dollar on most purchases.
However, the flexible spending limit makes it handy for large purchases, especially those that wouldn't earn bonus points on another card. That's why it tops our list of the best high-limit cards . Read our Platinum Card from American Express review for more details.
Credit Cards for Excellent Credit Frequently Asked Questions You can absolutely qualify for a credit card without having excellent credit. Many credit cards don't require a top-tier FICO score for approval. And cards for people with good credit or fair to average credit still offer rewards and useful benefits.
Some cards are specifically designed for people with bad credit , who are rebuilding their credit , who are just starting out with credit . Applicants with excellent credit can typically qualify for any credit card. The Platinum Card® from American Express is a classic high-end card, with premium benefits and a sky-high annual fee of $695 to match.
Meanwhile, the Chase Sapphire Preferred® Card is one of the best travel credit cards available today, and combines mid-tier perks and generous insurance benefits with a moderate $95 annual fee. FICO and VantageScore define an excellent credit score slightly differently. With FICO, an excellent (exceptional) credit score is between 800 and 850.
Meanwhile, VantageScore 's range is slightly lower; it considers any score of 780 or higher as excellent. There are various steps you can take to improve your credit score depending on what's keeping it down. Credit scores aren't fixed, so don't be discouraged if you can't yet qualify for the credit cards you want.
If you lack sufficient credit history, consider adding data points to your profile by getting a secured credit card , reporting rental payments , or getting added as an authorized user on someone else's credit card account. If your credit has negative marks like late payments or too many recent inquiries, you can try to repair your credit score either on your own or with the help of a credit counseling agency. Why You Should Trust Us: How We Chose the Best Credit Cards for Excellent Credit We looked at dozens of popular credit cards that typically require an excellent credit score for approval, and considered several factors: Ease of use — Does the card make it easy to earn and redeem rewards, or is the process complicated? Rewards earning potential — Is there a generous welcome bonus and/or useful bonus categories? Are any of the earning categories capped? Annual fee — Many cards geared to folks with excellent credit charge an annual fee, which can be worth it depending on the perks.
Is the fee reasonable, and do the card's benefits and rewards make it worth paying? Options for different types of consumers — The cards for excellent credit we chose have appeal for various demographics, from frequent flyers to small business owners to folks looking to save on interest You can read more about how we rate credit cards at Business Insider for a closer look at our methodology..
