One of the perks of having excellent credit is that you can qualify for top credit cards. Credit cards for excellent credit typically come with a lower APR, great rewards and compelling introductory offers, including waived annual and balance transfer fees.
To help you figure out the best options for you more easily, GOBankingRates has rounded up the best credit cards for good credit. You can compare credit cards and read credit card reviews to see what these 10 have to offer. And if you're not able to get one of these cards now, work toward improving your credit so you can take advantage of the best credit cards, offers and deals later.
Capital One VentureOne Rewards Credit Card
BankAmericard Cash Rewards Credit Card
BankAmericard Travel Rewards Credit Card
Citi Double Cash Card
Citi ThankYou Preferred Card
Capital One Venture Rewards Credit Card
Chase Sapphire Preferred Card
American Express Blue Cash Preferred Card
American Express Starwood Preferred Guest Credit Card
Southwest Rapid Rewards Premier Credit Card
Credit Card
Interest Rate (APR)
Annual Fee
Benefits
How to Apply
Capital One VentureOne Rewards Credit Card
12.49%-22.49%
$0
Unlimited 1.25x miles per $1 spent on purchases
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BankAmericard Cash Rewards Credit Card
13.49%-23.49%
$0
3% cash back on gas, 2% at grocery stores and wholesale clubs, and 1% cash back on every purchase for the first $2,500 across all categories each quarter
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BankAmericard Travel Rewards Credit Card
15.49%-23.49%
$0
Unlimited 1.5 points for every $1 spent on all purchases
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Citi Double Cash Card
13.49%-23.49%
$0
1% unlimited cash back on all purchases and additional 1% on payments for those purchases
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Citi ThankYou Preferred Card
13.49%-23.49%
$0
2x points on dining and entertainment; 1x points on other purchases
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Capital One Venture Rewards Credit Card
13.49%-23.49%
$0 for first year, then $59
Unlimited 2x miles per $1 spent on purchases
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Chase Sapphire Preferred Card
16.49%-23.49%
$0 for first year, then $95
2x points on travel and dining; 1 point per $1 on all other purchases
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American Express Blue Cash Preferred Card
13.49%-23.49%
$95
6% cash back at U.S. supermarkets (up to $6,000 per year, then 1%); 3% cash back at gas stations and select department stores; 1% cash back on other purchases
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American Express Starwood Preferred Guest Credit Card
15.74%-19.74%
$0 for first year, then $95
Up to 5x Starpoints for every $1 of eligible purchases at participating Starwood hotels; 2 Starpoints for every $1 at participating Marriott Rewards hotels; 1 Starpoint for all other eligible purchases
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Southwest Rapid Rewards Premier Credit Card
16.49%-23.49%
$99
2 points per $1 spent on Southwest Airlines flights, hotel and car rental partners; 1 point per $1 spent on all other purchases
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Capital One VentureOne Rewards Credit Card
Interest rate: 12.49% APR to 22.49% APR
Annual fee: $0
Other fees: Greater of $10 or 3 percent for cash advances; up to $35 for late payments
If you have excellent credit, you can earn 1.25 travel miles for every dollar you spend on purchases with the Capital One VentureOne Rewards card, a credit card for good credit. You'll also get 20,000 free miles -- equal to $200 for travel -- when you spend $1,000 in the first three months. Miles never expire and you can redeem them as a statement credit when you put travel purchases on the card. The interest rate is 0% APR for the first 12 months.
Find Out: 8 Ways to Raise Your Credit Score in 2017
BankAmericard Cash Rewards Credit Card
Interest rate: 13.49% APR to 23.49% APR
Annual fee: $0
Other fees: Greater of $10 or 3 percent for balance transfers; $10 or 3 to 5 percent for cash advances; up to $37 for late payments
One of the best credit cards for excellent credit, the BankAmericard Cash Rewards credit card lets you earn 1 percent cash back on every purchase, 2 percent at wholesale clubs and grocery stores and 3 percent on gas -- for up to $2,500 in combined category purchases every quarter. You'll get an introductory interest rate of 0% APR for the first 12 months, and if you redeem your cash back into a Bank of America checking or savings account, you'll earn a 10 percent bonus.
BankAmericard Travel Rewards Credit Card
Interest rate: 15.49% APR to 23.49% APR
Annual fee: $0
Other fees: Greater of $10 or 3 percent for balance transfers; $10 or 3 to 5 percent for cash advances; up to $37 for late payments
Every dollar you spend with the BankAmericard Travel Rewards card earns you 1.5 points. There is no limit on how many points you can accumulate and they never expire. You won't have to pay any foreign transaction fees and if you spend $1,000 in the first 90 days you'll get 20,000 bonus points. The interest rate is 0% for the first 12 billing cycles, but don't make a late payment because fees could cost up to $37.
Citi Double Cash Card
Interest rate: 13.49% APR to 23.49% APR
Annual fee: $0
Other fees: Greater of $5 or 3 percent for balance transfers; greater of $10 or 5 percent for cash advances; up to $35 for late payments
The Citi Double Cash card pays you twice: You get 1 percent cash back when you spend a dollar using your card, and 1 percent when you pay it back. You can earn unlimited cash back on the card. New cardholders enjoy a 0% APR introductory offer on balance transfers for 18 months and one free late payment. The Citi Price Rewind program will search for a lower price on your purchases, and you might receive the price difference back.
Citi ThankYou Preferred Card
Interest rate: 13.49% APR to 23.49% APR
Annual fee: $0
Other fees: Greater of $5 or 3 percent for balance transfers; greater of $10 or 5 percent for cash advances; up to $35 for late payments
The Citi ThankYou Preferred Card gives you two points for every dollar you spend on dining and entertainment and one point for everything else. The interest rate is 0 percent for the first 12 months, and when you spend $1,000 in the first three months you'll get 15,000 bonus points, which you can redeem for gift cards. The card is also eligible for the Citi Price Rewind program.
Capital One Venture Rewards Credit Card
Interest rate: 13.49% APR to 23.49% APR
Annual fee: $0 for first year, then $59
Other fees: Greater of $10 or 3 percent for cash advances; up to $35 for late payments
Every single purchase you make with the Capital One Venture Rewards card earns you two miles. The annual fee is waived for the first year and you'll earn a 40,000-mile bonus -- good for $400 in travel -- when you spend $3,000 in the first three months. Miles never expire and the card is compatible with Apple Pay.
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Chase Sapphire Preferred Card
Interest rate: 16.49% APR to 23.49% APR
Annual fee: $0 for first year, then $95
Other fees: Greater of $5 or 5 percent for balance transfers; greater of $10 or 5 percent for cash advances; up to $37 for late payment fees
Get double points for travel and dining, and single points for everything else with the Chase Sapphire Preferred Card. Spend $3,000 in the first three months and you'll get 50,000 bonus points, which you can redeem for $625 in travel purchases. You'll also have the annual fee waived for the first year.
American Express Blue Cash Preferred Credit Card
Interest rate: 13.49% APR to 23.49% APR
Annual fee: $95
Other fees: Greater of $5 or 3 percent for balance transfers and cash advance; up to $38 for late payments
The Blue Cash Preferred card gives you 6 percent cash back on purchases at U.S. supermarkets for up to $6,000 per year; you get 1 percent thereafter. You'll also get 3 percent cash back at gas stations and some department stores, and 1 percent cash back on other purchases. You can redeem your cash back as a statement credit, and you can pile up points by adding additional cards for your friends and family. The card comes with an introductory interest rate of 0 percent on purchases and balance transfers for the first 12 months. And after you spend $1,000 in the first three months, you'll get $150 statement credit.
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American Express Starwood Preferred Guest Credit Card
Interest rate: 15.74% APR to 19.74% APR
Annual fee: $0 for first year, then $95
Other fees: Greater of $5 or 5 percent for balance transfers; greater of $10 or 5 percent for cash advances; up to $37 for late payments
With the Starwood Preferred Guest card, you'll earn up to five Starpoints for every dollar you spend at eligible Starwood hotels, two points at participating Marriott Rewards hotels and one point for all other eligible purchases. You'll also have the annual fee waived for the first year and earn 25,000 bonus Starpoints when you spend $3,000 in the first three months.
Southwest Rapid Rewards Premier Credit Card
Interest rate: 16.49% APR to 23.49% APR
Annual fee: $99
Other fees: Greater of $5 or 5 percent for balance transfers; greater of $10 or 5 percent for cash advances; up to $37 for late payments
Get two points for every dollar you spend on Southwest Airlines travel and on purchases from its rental car and hotel travel partners. You'll earn one point for your other purchases and you can redeem your points for flights, gift cards, hotel stays, car rentals and merchandise. You can earn an unlimited number of points, which never expire.
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GOBankingRates is a personal finance and consumer interest rate website owned by ConsumerTrack, Inc., an online marketing company serving top-tier banks, credit unions, and other financial services organizations. Some companies mentioned in this article might be clients of ConsumerTrack, Inc., which serves more than 100 national, local and online financial institutions. Rankings and roundups are completely objective, and no institution, client or otherwise, paid for inclusion or specific placement. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone and have not been reviewed, approved, or otherwise endorsed by the companies included in the article.
This article originally appeared on GOBankingRates.com: Best Credit Cards for People With Good Credit