7 Best Credit Cards for Excellent Credit (800+)

Deals Points has partnered with CardRatings for our coverage of credit card products. Deals Points and CardRatings may receive a commission from our partners. Opinions and recommendations are ours alone. Terms apply to the offers. See our Advertising Disclosure for more information.

Congratulations on having excellent credit! This is a great accomplishment and it can open up many great opportunities to grab some of the best credit cards available.

In this article, we will highlight some of the top credit cards for people with excellent credit.

These cards may offer various benefits such as high rewards rates, low-interest rates, and exclusive perks and benefits such as lounge access, elite status, and credits.

1. Capital One Venture X Rewards Credit Card

75,000 Miles
Capital One Venture X Rewards Credit Card
  • Earn 75,000 Bonus Miles for Spending $4,000 in the First 3 Months
  • $300 Travel Credit for Bookings via Capital One Travel
  • 10,000 Points for Each Account Anniversary
  • Hertz President’s Circle Elite Status
  • Airport Lounge Access (Priority Pass, Capital One, & Plaza Premium)
  • 10X Miles on Hotels and Rental Cars, and 5x Miles on Flights Booked with Capital One Travel
  • 2X Miles on all other purchases
  • Trip Delay and Trip Cancellation Insurance
  • $395 Annual Fee
Learn More Our Review

The Capital One Venture X Rewards Credit Card is a premium travel rewards card that’s perfect for travelers who want outstanding travel perks like annual travel credits, worldwide airport lounge access, and travel and purchase protections. 

The Venture X earns 2x miles on all purchases helping you maximize every dollar of your spending. Plus, you can earn 10x miles on hotels and rental cars, and 5x miles on flights booked through Capital One.

The card has a $395 annual fee, it is completely offset by an easy-to-use $300 annual travel credit for bookings via Capital One Travel and 10,000 points (worth at least $100) each account anniversary.

Plus you get airport lounge access at Priority Pass, Capital One, and Plaza Premium Lounges, Hertz President’s Circle elite status, Global Entry or TSA PreCheck credit, rental car insurance, trip and luggage insurance, cell phone insurance, and purchase protection.

2. Chase Sapphire Preferred

Great Starter Travel Card
Chase Sapphire Preferred®
  • Earn 60,000 Ultimate Rewards Bonus Points for Spending $4,000 in the First 3 Months
  • 5x Points on Travel Booked Via Chase
  • 3x Points on Dining and Eligible Delivery Services
  • 3x Points on Select Streaming and Online Grocery (excluding Walmart, Target, and Wholesale Clubs)
  • 2x Points on Travel
  • 10% Anniversary Points Boost
  • Trip Delay and Trip Cancellation Insurance
  • Primary Rental Car Insurance
  • $95 Annual Fee

Click Here to Learn How to Apply

The Chase Sapphire Preferred® Card is one of the best rewards cards for travelers who want solid earning rates for travel and dining expenses. 

For only $95 per year, this card earns 5x Chase Ultimate Rewards points on travel booked through the Chase Ultimate Rewards portal and 3x points on dining, online groceries, and streaming services. 

The Chase Sapphire Preferred offers a 10% anniversary points bonus, 12-month DoorDash DashPass subscription, and a $50 anniversary hotel statement credit. 

Plus, it provides extensive travel protections, including trip delay, primary rental car, baggage, and purchase protection plans. 

3. The Platinum Card® from American Express

Airport Lounge Access
The Platinum Card® from American Express
  • Earn 80,000 Membership Rewards Points After $6,000 in Eligible Purchases in the First 6 Months
  • 5x Points on Flights Booked Directly With Airlines (up to $500,000 in purchases each calendar year)
  • Airport Lounge Access (Centurion, Delta SkyClub, Priority Pass, Escape, and Plaza Premium)
  • No Foreign Transaction Fees
  • $695 Annual Fee (Rates & Fees)
Learn More Our Review
American Express is a Deals Points Advertiser; Terms Apply. Enrollment is required for some benefits.

The Platinum Card® from American Express is a great premium travel rewards card for travelers who want airport lounge access, including Centurion Lounges, Delta Sky Clubs (when flying Delta), Escape Lounges, Priority Pass lounges.

The American Express Platinum has a $695 annual fee, but you receive many annual statement credits when you enroll your card to offset the fee, including:

  • $200 Airline Fee Credit (after you select a qualifying airline and incidental fees are charged by the airline to your Platinum Card®)
  • $200 Hotel Credit (on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings, which requires a minimum two-night stay)
  • $240 Digital Entertainment Credit (up to $20 each month: Audible, Disney+, The Disney Bundle, ESPN+, Hulu, Peacock, SiriusXM, and The New York Times)
  • $200 Uber Cash Credit ($15 per month with $35 in December when you add your Platinum Card to Uber or UberEats account)
  • $155 Walmart+ Credit (covers the cost of a $12.95 monthly membership) 
  • CLEAR Credit (up to $189 towards an annual Clear membership for expedited airport security)

You also earn 5x Membership Rewards points when booking flights directly with airlines or with American Express Travel (up to $500,000 in purchases per calendar year) and 5x Membership Rewards points when booking prepaid hotels with American Express Travel. 

On top of that, you automatically earn Marriott Bonvoy Gold Elite and Hilton Honors Gold statuses, which offer points bonuses, room upgrades, late check-out, and other premier benefits. 

4. American Express® Gold Card

The American Express® Gold Card is one of my favorite cards because it earns:

  • 4x Membership Rewards® points at restaurants worldwide, including takeout and delivery in the U.S.,
  • 4x Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1x). 
  • 3x points on flights booked directly with airlines or on amextravel.com

Plus, card members get nice credits when you enroll your Gold Card to offset the annual fee:

  • $120 Uber Cash: Add your Gold Card to your Uber account, and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S.
  • $120 Dining Credit: Satisfy your cravings and earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations.

5. Chase Sapphire Reserve

Chase Sapphire Reserve®
  • Earn 60,000 Ultimate Rewards Points for Spending $4,000 in the First 3 Months
  • $300 Annual Travel Credit
  • 10x Points on Hotels and Rental Cars and 5x Points on Flights Booked Through Chase Ultimate Rewards
  • 3x Points on Dining, Takeout, & Eligible Food Delivery
  • 50% More Redemption Value
  • Priority Pass Airport Lounge Access
  • Trip Delay and Trip Cancellation Insurance
  • Primary Rental Car Insurance
  • $550 Annual Fee

Click Here to Learn How to Apply

The Chase Sapphire Reserve® is a great option for travelers who want premium perks such as airport lounge access and top-tier travel protections.

The Sapphire Reserve has a $550 annual fee, but you receive an annual easy-to use $300 travel credit and access to 1,300 Priority Pass airport lounges.

Plus, great benefits such as trip delay insurance, primary rental car insurance, trip cancellation insurance, lost luggage reimbursement, purchase and return protection, extended warranty, and no foreign transaction fees.

Cardmembers also earn extra points with 5x points on flights and 10x points on hotels and car rentals through Chase Ultimate Rewards, 3x points on travel, dining, and food delivery purchases, and 1x points everywhere else.

You can also cash out points at a 50% bonus (1.5 cents per point) when redeeming points towards travel or transfer the points to Chase’s airline and hotel partners.

6. Citi Premier® Card

60,000 Points
Citi Premier® Card
  • Earn 60,000 Points After Spending $4,000 in the First 3 Months
  • 3x Points at Restaurants, Supermarkets, Gas Stations, Flights, and Hotels
  • $100 Off a Single $500 Hotel Stay Per Year
  • Extended Warranty and Purchase Protections
  • $95 Annual Fee
Learn More Our Review

The Citi Premier® Card is the best card for earning points because it offers 3x points at restaurants, supermarkets, gas stations, airlines, and hotels. 

The Premier card also comes with no foreign transaction fees, purchase protection, and an extended warranty for items purchased, adding an additional 24 months to the manufacturer’s warranty.

7. Marriott Bonvoy Brilliant® American Express® Card

Free Night Award and Priority Pass
Marriott Bonvoy Brilliant® American Express® Card
  • Earn 95,000 Marriott Bonvoy Points After $5,000 in Eligible Purchases in the First 3 Months
  • 6X Points at Marriott Hotels & Resorts
  • Up to a $300 Statement Credit for Eligible Purchases at Restaurants Worldwide Each Year ($25 Per Month)
  • Marriott Bonvoy Platinum Elite Status
  • Free Anniversary Night Award (Up to 85,000 Points)
  • Priority Pass Airport Lounge Access
  • $650 Annual Fee and No Foreign Transaction Fees (Rates and Fees)
Learn More Our Review
American Express is a Deals Points advertiser. Terms Apply; Enrollment is Required for Some Benefits

The Marriott Bonvoy Brilliant® American Express® Card is a premium hotel card that gets you Platinum Elite status, a free annual hotel night up to 85,000 points, 6x points at Marriott Bonvoy hotels, and Priority Pass airport lounge access.

The Bonvoy Brillant comes with several great statement credits to help offset the annual fee, including:

  • Up to $300 in statement credits per calendar year (up to $25 per month) for eligible purchases at restaurants worldwide.
  • Priority Pass airport lounge access
  • Global Entry or TSA PreCheck credit
  • Cell phone insurance
  • 25 Marriott Elite night credits to help you reach higher status

For rates and fees of the Marriott Bonvoy Brilliant® American Express® Card, please click here.

For rates and fees of The Platinum Card® from American Express, please click here.

For rates and fees of the American Express® Gold Card, please click here.

Top offers from our partners
175,000 Bonus Points
Terms Apply
Companion Pass® Through 2/28/2024 + 30,000 Points!!!
Terms Apply
$900 Cash Back
Terms Apply
60,000 Points
Terms Apply