You have excellent credit. Congratulations! This opens you up to a variety of premium card options with fantastic rewards and perks. See our top credit cards for excellent credit at the end.
1. Chase Sapphire Reserve

The Chase Sapphire Reserve is a premium credit card that offers rewards, a sign-up bonus, and travel benefits, including 3x points on travel with a 50% bonus and dining, $300 annual travel credit, and travel insurance benefits.
Pros
- Foreign transaction fees are free.
- Premium travel protections.
- Points can be transferred to travel partners.
- A generous reward program.
- $300 in annual travel credit.
- 50% more value when you redeem points for travel through Chase
Cons
- High annual fee.
- High credit score is required.
Here are some additional details about the Chase Sapphire Reserve that you may want to consider:
- Chase Sapphire Reserve provides a $300 annual travel credit as reimbursement for travel purchases made on your card each account anniversary year.
- Chase Travel℠ offers a 50% discount on points’ redemption for travel, with 60,000 points redeemed for $900 towards travel.
- Chase Ultimate Rewards allows points to be redeemed for travel or transferred to airline and hotel loyalty programs.
- Chase Ultimate Rewards programme offers a 50,000-point sign-up bonus worth $750 when redeemed for travel.
- Annual fee of $550.
- Earn 60,000 bonus points after spending $4,000 on purchases within 3 months of account opening, redeeming $900 towards travel through Chase Travel.
- Earn 5x total points on flights and 10x total points on hotels and car rentals with Chase Travel℠. Once $300 is spent on travel purchases annually, you can earn 3x points on other travel and dining and 1 point per $1 spent on all other purchases.
2. Capital One Venture Rewards Credit Card

The Capital One Venture Rewards Credit Card offers excellent credit benefits, including 2x miles on purchases and a $50,000 bonus after spending $3,000 in the first three months. It is a popular option for travel benefits.
Pros
- Miles can be easily redeemed for travel expenses charged on the card or transferred to participating airline and hotel loyalty programs.
- Flexible rewards.
- Low annual fee.
- There are no foreign transaction fees.
Cons
- Annual fee of $550.
- Limited transfer partners.
- Limited bonus categories.
- Lower redemption value.
- Excellent credit is required.
Here are some additional details about the Capital One Venture Rewards Credit Card:
- Capital One Venture offers a rewards structure where customers earn 2X miles on all purchases and 5 miles per dollar on hotels and rental cars.
- Capital One Travels offers unlimited 10X miles on hotels and rental cars, as well as 5X miles on flights.
- Capital One Venture Rewards Credit Card offers a travel insurance policy that covers trip cancellation and interruption, an auto rental collision damage waiver, and baggage delay insurance.
- Miles can be converted into airline and hotel loyalty programs at a 2:1 rate, enabling users to use their miles for travel with partner airlines and hotels.
- Earn 75,000 bonus miles by spending $4,000 on purchases within the first three months of opening your account, which is equivalent to $750 in travel.
- Get 10,000 bonus miles (equal to $100 towards travel), starting on your first anniversary.
3. The Platinum Card from American Express

The Platinum Card from American Express offers luxury travel benefits for excellent credit. It is designed to help you enjoy luxury travel benefits.
Pros
- Exclusive benefits and rewards on flights and hotels booked through American Express Travel.
- Luxurious lifestyle enhancements.
- Automatic elite status.
- Comprehensive travel insurance.
- No foreign transaction fees.
Cons
- High annual fee.
- Limited earning potential outside of travel.
- Excellent credit is required.
Here are some additional details about the Platinum Card from American Express:
- Points can be transferred to airline and hotel partners.
- Earn 5x membership reward points on flights booked directly with airlines, on American Express Travel, or on American Express Travel with 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
- Earn 80,000 Membership Rewards® Points by spending $8,000 on eligible purchases in your first 6 months, choosing from classic Platinum, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
- The American Express Global Lounge Collection offers airport lounge access, hotel benefits, travel credits, elite status, concierge services, travel and purchase protections, digital entertainment credit, and exclusive amenities at participating hotels.
- It has an annual fee of $695.
4. Wells Fargo Active Cash Card

The Wells Fargo Active Cash Card is an excellent credit choice, with a simple and straightforward cash back rewards program with no annual fee.
Pros
- Bonus for new cardholders after meeting minimum spending requirements.
- Intro-APR period.
- The reward rate is straightforward.
- There is no annual fee.
Cons
- Foreign transaction fees apply.
- There are limited redemption options.
- There are no travel perks or benefits.
- There are no bonus categories.
Here are some additional details about the Wells Fargo Active Cash Card:
- Earn 2% cash back on all purchases.
- Earn a $200 cash rewards bonus after spending $500 in purchases within the first 3 months.
- $0 annual fee.
5. American Express Gold Card

The American Express Gold Card is a popular option for rewards for frequent diners and grocery shoppers who value travel rewards and airport lounge access.
Pros
- Travel perks and benefits.
- Welcome bonus.
- Flexible redemption options.
- High reward rate on dining and groceries.
- No foreign transaction fees.
Cons
- High annual fee.
- High APR for the pay-overtime feature.
- Limited earning on other categories, except dining and groceries.
Here are some additional details about the American Express Gold Card:
- Annual fee is $250.
- Earn 4X membership rewards points for dining at restaurants, as well as takeout and delivery in the United States.
- Earn 4x membership rewards points at US supermarkets.
- Earn 3x membership rewards points on flights booked directly with airlines or on amextravel.com.
- Earn 1x membership rewards points on every other eligible purchase.
Overview of the Best Business Credit Cards for Excellent Credit

Excellent credit offers greater opportunities in business credit card selection, including higher credit limits, better rewards, and exclusive perks.
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How to Choose the Best Business Credit Cards for Excellent Credit
With excellent credit, you have a wide range of business credit card options. Here are some things to consider when comparing business credit cards:
- Budget: Consider the annual fee and interest rate, whether it is worth the rewards and benefits the card offers, and if you’re comfortable with it.
- Reward preferences: Determine your reward preferences by comparing cash back, travel rewards, or flexible points on each card.
- Spending habits: Consider your primary expenses (travel, office supplies, advertising, etc.).
- Check interest rates and APR: Compare interest rates and APR for balance transfers or purchases, focusing on 0% introductory APR and comparing rates for balance-carrying cards.
Pros and Cons of the Best Business Credit Cards for Excellent Credit
- Pros
- Higher credit limits.
- Better perks and rewards.
- Improved cash flow management.
- Cons
- Annual fees.
- Interest charges.
What to Watch Out For

While having excellent credit offers a world of possibilities for business credit cards, there are several things to watch out for:
- Interest rates: Ensure to focus on regular APR during introductory periods, as they are temporary. Be aware of the penalty APR, which can be higher if payments are missed or terms are violated.
- Spending limits: Business credit cards typically have higher spending limits than personal cards; you have to carefully manage to avoid overspending.
- Hidden fees and charges: watch out for hidden fees and charges such as annual fees, foreign transaction fees, balance transfer fees, and cash advance fees, which can be costly for businesses that don’t utilize their benefits.
Pro Tips
Here are some pro tips for using business credit cards to your advantage:
- Maximize rewards: Ensure you use the appropriate credit card for each purchase.
- Avoid interest charges: Pay your bill in full each month to help you avoid late penalties and interest costs.
- Leverage additional benefits: Utilize your cards for travel insurance, and ensure the card has robust fraud prevention measures to build business credit and protect purchases.
- Build business credit: Make consistent payments, add authorized users, and regularly monitor your credit score to establish excellent credit.
- Optimize card usage: Set spending limits, review statements regularly to identify errors, and redeem rewards before expiration to maximize your card value.
Recap
An excellent credit card offers opportunities for the best business credit cards. In choosing one, ensure you consider the annual fees, rewards, sign-up bonuses, spending limits, balance transfer fees, introductory rates, late payments, and additional charges while maximizing rewards and signing up bonuses.
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