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Are you looking for the best credit cards for excellent credit scores?  If you have a good to excellent credit score, you can maximize it for a great sign up bonus or other perks of a credit card. These credit cards usually come with some of the most valuable credit card offers and flexible rewards. Plus, it’s not uncommon that the other benefits can be worth more than the annual fee. So what are the best credit cards for people with good credit scores?

Best credit cards for good credit scores to see places like New York City. Photo by Johnny Jet

Best Credit Cards for Excellent Credit 2020

  • Chase Sapphire Preferred® Card
  • Capital One® Venture® Rewards Credit Card
  • Capital One® Savor® Cash Rewards Credit Card
  • The Platinum Card® from American Express
  • Chase Sapphire Reserve®
  • Marriott Bonvoy Brilliant™ American Express® Card
  • Delta SkyMiles® Platinum American Express Card
  • Ink Business Preferred℠ Credit Card
  • Citi® Double Cash Card

By most standards, a 740 credit score is considered the beginning of having “excellent credit.” Your approval odds for most cards will be high, although, you will have better odds with a score above 800 as it’s closer to a perfect credit score (850 is considered perfect). If you aren’t sure what your credit score is, these are a few of the best places to get a free credit score check.

The following 9 best credit cards for excellent credit in 2020 can help you reap the most rewards for having the diligence to build excellent credit. Note that many of the cards listed below also have added bonus categories or points/miles earning abilities during the coronavirus pandemic.

Chase Sapphire Preferred – $750 Bonus

It’s hard not to like the Chase Sapphire Preferred. It has flexible point redemption options including a 25% travel redemption bonus and 1:1 airline and hotel transfer partners. New cardmembers also have the chance to earn 60,000 bonus points (worth $750 in award travel) by spending $4,000 in the first 3 months. The annual fee is only $95.

With the Chase Sapphire Preferred® Card, you will earn unlimited 2x points on travel and dining and 1 point per $1 on everything else. Having your points worth 1.25 cents each when booking travel through Chase makes them worth more than most credit card rewards points. But you might find more value from the 1:1 transfer partners like Southwest Airlines, United Airlines, British Airways, and World of Hyatt where you can usually redeem your points for 2 cents each or more.

These perks make the Sapphire Preferred one of the best travel credit cards to have in your wallet.

Related: Chase Sapphire Bonus Categories During Coronavirus

Capital One Venture Rewards Credit Card – 2x Miles on Spending

The information for the Capital One® Venture® Rewards Credit Card has been collected independently by Johnny Jet. The card details on this page have not been reviewed or provided by the card issuer.

If you prefer a flat-rate rewards card, the Capital One® Venture® Rewards Credit Card is flexible. All purchases earn unlimited 2 miles per $1 spent. You can redeem your miles for 1 cent each for travel statement credits without a minimum redemption requirement. You can also use them to book award flights or transfer them to airline loyalty programs.

Another card benefit you might enjoy is the Global Entry or TSA PreCheck application fee credit, up to $100. New cardmembers can earn 50,000 bonus miles (worth $500) by spending $3,000 in the first 3 months. The annual fee is $95. Capital One Venture vs Chase Sapphire Preferred, is another excellent card to consider for those consumers wanting travel rewards.

Capital One Savor Cash Rewards Credit Card

The information for the Capital One® Savor® Cash Rewards Credit Card has been collected independently by Johnny Jet. The card details on this page have not been reviewed or provided by the card issuer.

Maximizing your dining and entertainment purchases can be easiest with the Capital One Savor Cash Rewards Credit Card. You earn unlimited 4% back on dining and entertainment purchases, 2% back at grocery stores, and 1% back on everything else. Through January 31, 2022, Vivid Seats purchases get 8% back.

New cardmembers can get $300 bonus cash by spending $3,000 in the first 3 months. The annual fee is $0 for the first year then $95 annually after that. Like other Capital One credit cards, there isn’t a foreign transaction fee with the Capital One® Savor® Cash Rewards Credit Card.

Platinum Card from American Express

The Platinum Card from American Express is a perennial top contender for being the best premium travel rewards credit card. You may prefer the Platinum Card if you are a frequent flyer and like complimentary travel benefits including airport lounge access and a $200 air travel credit. Cardholders also get hotel benefits including a $100 on-property Luxury Hotels & Resorts credit and upgraded Marriott Bonvoy Gold Elite and Hilton Honors Platinum status.

Besides these benefits, you also get 5x points on plane ticket purchases with The Platinum Card® from American Express. But the most valuable point redemption option can be the 1:1transfer partners including Delta, Emirates, Etihad, Southwest Airlines, and Avianca LifeMiles.

New Amex Platinum members have the chance to earn a 60,000-point welcome offer by spending $5,000 in the first 3 months of account opening. There is an annual fee of $550 (See Rates & Fees). 

Related: American Express Bonus Categories During COVID

Chase Sapphire Reserve

Many consider Chase Ultimate Rewards points as the most valuable credit card rewards points. The Chase Sapphire Reserve® is the most benefit-rich Ultimate Rewards credit card. You have a 50% travel redemption bonus and the 1:1 Chase Ultimate Rewards transfer partners.

The reason to get the Sapphire Reserve over the Sapphire Preferred is the annual $300 travel credit, Global Entry or TSA PreCheck fee credit, and Priority Pass Select lounge membership. Cardholders also earn 3x points on dining and 3x points on travel (immediately after earning the $300 travel credit).

The annual fee is $550 but the benefits can help justify the cost. New members can earn 50,000 bonus points (worth $750 in award travel) by spending $4,000 in 3 months.

Related: Is Paying Annual Fees on Premium Credit Cards During COVID Worth It?

Marriott Bonvoy Brilliant American Express Card

The information for the Marriott Bonvoy Brilliant™ American Express® Card has been collected independently by Johnny Jet. The card details on this page have not been reviewed or provided by the card issuer.

To finalize the Marriott Rewards and Starwood Preferred Guest merger, the Marriott credit card lineup relaunched in early 2019. The premium Marriott Bonvoy Brilliant American Express Card is one of the most valuable options for these benefits:

  • Earn 75,000 bonus Marriott Bonvoy points by spending $3,000 on purchases in the first 3 months of account opening.
  • Up to $300 in Marriott Bonvoy statement credits
  • $100 Marriott Bonvoy property credit
  • 1 annual free night reward redeemable at properties costing 50,000 points or less

Although this is a hotel credit card, you also get two air travel benefits. They are Priority Pass Select membership and a Global Entry or TSA PreCheck application fee credit. The annual fee is $450 (See Rates & Fees). 

Delta SkyMiles Platinum American Express Card

The Delta SkyMiles® Platinum American Express Card is a benefit-rich miles credit card. It’s not only a good option if you fly Delta regularly, but also because you can earn 40,000 bonus miles and 5,000 Medallion Qualification Miles (MQMs) after you spend $2,000 in purchases on your new card in your first 3 months. Plus, earn a $100 statement credit after you make a Delta purchase with your new card within your first 3 months. The annual fee is (See Rates & Fees). 

You also get Delta Sky Club access at $39 per person. To get free Sky Club access and more luxurious benefits including an annual companion certificate valid in Delta First Class or Comfort+, you might consider the Delta SkyMiles® Reserve American Express Card instead.

Chase Ink Business Preferred

The information for the Ink Business Preferred℠ Credit Card has been collected independently by Johnny Jet. The card details on this page have not been reviewed or provided by the card issuer.

Maybe you are needing a business credit card. The Ink Business Preferred℠ Credit Card is one of the best, but one of the deciding factors is having excellent credit. The business version of the Chase Sapphire Preferred, it has the same annual fee, 25% travel redemption bonus, and 1:1 point transfer partners.

Where the Ink Business Preferred Credit Card differs is how it earns purchase rewards. You will earn 3x points on the first $150,000 spent on combined spending for travel, shipping, internet, phone, and cable services, and advertising on social media and search engines.

The Ink Business also carries the distinction of having the largest ongoing signup bonus of 100,000 bonus Ultimate Rewards points. This bonus is worth $1,250 in award travel and new cardmembers qualify after spending $15,000 in the first 3 months. All of these business perks make this one of the best credit cards for excellent credit.

Citi Double Cash Card

Sometimes, you appreciate the simplicity of earning cash rewards. The Citi® Double Cash Card earns up to 2% cashback on every purchase. Cardholders earn 1% back when they buy, plus an additional 1% back when they pay. There is no limit to how much cardholders can earn.

While the Double Cash has no annual fee, it has a 3% foreign transaction fee, which doesn’t make this card terribly friendly when traveling abroad. Still, it is one of the best credit cards for excellent credit as it earns for each purchase you make.

Summary of the Best Credit Cards for Excellent Credit 2020

Having excellent credit lets you qualify for some of the most valuable and exclusive credit cards. Once you decide which benefits and purchase rewards maximize your spending habits, it’s time to enjoy the fruits that other credit cards don’t offer. Which of these best credit cards for excellent credit do you prefer?

Related Articles:

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

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

To learn more about the rates and fees of the Delta SkyMiles® Platinum American Express Card, please click here.

Johnny Jet Editorial
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Editorial Note: The editorial content on this page is not provided by any bank, credit card issuer, airlines or hotel chain, and has not been reviewed, approved or otherwise endorsed by any of these entities.

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