7 Best Credit Cards for Excellent Credit (800+)

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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.

Best for Everyday Spending: Capital One Venture X Rewards Credit Card (review)

Best for Beginner Travelers: Chase Sapphire Preferred® Card (review)

Best for Airport Lounge Access: The Platinum Card® from American Express (review)

1. Capital One Venture X Rewards Credit Card

Best for Everyday Spending

Capital One Venture X Rewards Credit Card
  • bonus_miles_full
  • $300 Annual Credit for Bookings through Capital One Travel
  • 10,000 Miles 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
  • $395 Annual Fee
Learn More Our Review

The Capital One Venture X Rewards Credit Card (review) 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, completely offset by a $300 annual credit for bookings through Capital One Travel, and 10,000 points (worth at least $100) for each account anniversary.

Plus, you get airport lounge access via 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® Card

Best for Beginner Travelers

Best Starter Travel Card
Chase Sapphire Preferred® Card
  • bonus_miles_full
  • 5x Points on Travel Booked Via Chase
  • 3x Points on Dining and Eligible Delivery Services
  • 2x Points on All Other Travel Purchases
  • 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 (review) 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, 3x points on dining, online groceries, and streaming services, and 2x on all other travel purchases

Cardholders will also get a 10% anniversary points bonus, a 12-month DoorDash DashPass subscription when activated by December 31, 2024, 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

Best for Airport Lounge Access

Airport Lounge Access
The Platinum Card® from American Express
Learn How to Apply Our Review
American Express is a Deals Points Advertiser; Terms Apply. Enrollment is required for some benefits.

The Platinum Card® from American Express (review) 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: 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 Card.
  • $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®.
  • $240 Digital Entertainment Credit: Get up to $20 in statement credits each month when you pay for eligible purchases with the Platinum Card® at your choice of one or more of the following providers: Disney+, ESPN+, Hulu, The New York Times, Peacock, SiriusXM, and The Wall Street Journal. Enrollment required.
  • $200 Uber Cash Credit: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Benefit renews annually.
  • $155 Walmart+ Credit: Use your Platinum Card® to pay for a monthly Walmart+ membership (subject to auto-renewal) and receive a statement credit that covers the full cost each month.
  • $189 CLEAR® Plus Credit: Breeze through security with CLEAR® Plus at 45+ airports nationwide and get up to $189 back per year on your membership (subject to auto-renewal) when you use your Platinum Card®.

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

Best for Restaurants & U.S. Supermarkets

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

  • 4x Membership Rewards® points at restaurants, 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 up to $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®

Best for Travel Insurance


  • bonus_miles_full
  • $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 card_name (review) 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.
  • 3x points on dining, and food delivery purchases.
  • 1x points everywhere else.

One thing to remember is that you won’t earn points on your first $300 in travel purchases each cardmember year since the $300 travel credit covers those purchases.

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. United Club℠ Infinite Card

Best for United Flyers

United Club Membership and IHG Platinum Status
United Club℠ Infinite Card
  • bonus_miles_full
  • 4X Miles on United Purchases
  • 2X Miles on Dining, Travel, Transit, and Rideshare
  • United Club Airport Lounge Access
  • IHG Platinum and Avis President’s Club Elite Status
  • Free First and Second Checked Bags
  • Primary Rental Car Insurance
  • Trip Delay and Trip Cancellation/Interruption Insurance
  • $525 Annual Fee

Click Here to Learn How to Apply

The card_name (review) offers United Club membership for the primary cardholder if you have a same-day boarding pass for travel on United, a Star Alliance partner, or a contracted partner.

You can also bring two adults or one adult and dependent children under 21 years of age as guests.

The card also offers 4 miles per dollar spent on United purchases, 2 miles per dollar spent on travel and dining, and 1 mile per dollar spent on all other purchases.

Plus, you and one companion can get your first and second checked bags free on United-operated flights when you buy the tickets with your card.

7. Marriott Bonvoy Brilliant® American Express® Card

Best for Earning Free Stays & Elite Status

Marriott Bonvoy Brilliant® American Express® Card
  • bonus_miles_full
  • 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
  • 25 Elite Night Credits Each Year
  • 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 (review) 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

What is Excellent Credit?

An excellent credit score is typically considered within the range of 800 to 850. This range signifies that an individual has a very high level of creditworthiness, as determined by credit scoring models like FICO or VantageScore.

Having an excellent credit score is indicative of a consumer’s consistent ability to pay credit obligations on time and manage debt responsibly over a period of time. Individuals with scores in this range are often offered the most favorable terms on loans and credit cards, including lower interest rates and better rewards programs, as they represent the lowest risk to lenders. An excellent credit score can provide significant financial benefits and opportunities for consumers.

Why Is Your Credit Score Important?

Your credit score is a crucial factor when it comes to accessing better credit cards because it reflects your creditworthiness to potential lenders. Credit card issuers use your credit score to determine whether to approve your application and to set the terms of the credit card, such as the interest rate, credit limit, and rewards programs.

A higher credit score often means you’re more likely to be approved for credit cards with more attractive terms, such as lower APRs, higher credit limits, and richer rewards or cash-back offers. In contrast, a lower credit score might limit you to cards with higher interest rates and fewer benefits, which can affect your overall financial flexibility and cost you more in the long run. Therefore, maintaining a good credit score is essential for gaining access to the best credit cards available.

Benefits of Credit Cards with Excellent Credit

Some of the benefits of credit cards for excellent credit include:

  • Generous Rewards Programs: Earn more points, miles, or cash back on purchases, which can be redeemed for travel, merchandise, or statement credits.
  • Substantial Sign-up Bonuses: Attractive initial offers that can add significant value if spending requirements are met within a specified timeframe.
  • Lower Interest Rates: Reduced APRs can result in lower costs for balances that are carried over month to month.
  • Higher Credit Limits: Access to more credit can improve financial flexibility and may help maintain a lower credit utilization ratio.
  • Exclusive Perks: Complimentary access to airport lounges, travel insurance, concierge services, and luxury travel benefits.
  • No Foreign Transaction Fees: Savings on purchases made abroad, making international travel more affordable.

For the 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.

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