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It’s no secret that the best credit cards for excellent credit are highly sought after. They usually come with some of the most valuable and flexible rewards. Plus, it’s not uncommon that the other benefits can be worth more than the annual fee.

By most standards, a 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).

The following 9 best credit cards for excellent credit can help you reap the most rewards for having the diligence to build excellent credit.

Chase Sapphire Preferred

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 .

Capital One Venture

If you prefer a flat-rate rewards card, the Capital One® Venture® Rewards Credit Card is flexible. All purchases earn unlimited 2 points per $1 spent. Through January 2020, Hotels.com purchases earn 10 points per $1 spent. You can redeem your points 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 an international airline loyalty program.

Another card benefit you might enjoy is the Global Entry or TSA PreCheck application fee credit. New cardmembers can earn 50,000 bonus miles (worth $500) by spending $3,000 in the first 3 months and Capital One waives the $95 annual fee for the first year. Comparable to the Chase Sapphire Preferred, the Capital One Venture is another excellent card to consider.

Capital One Savor

Maximizing your dining and entertainment purchases can be easiest with the . You earn unlimited 4% back on dining and entertainment purchases, 2% back on groceries, and 1% back on everything else. Through May 2020, Vivid Seats purchases get 8% back. Plus, Capital One covers the $10 monthly fee for Postmates Unlimited through December 2019.

New cardmembers can get $500 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 1:1transferr partners including Delta, Emirates, Etihad, Southwest Airlines, and Avianca LifeMiles.

New members have the chance to earn a 60,000-point welcome offer by spending $5,000 in the first 3 months of account opening.

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 instead of the Sapphire Preferred is the annual $300 travel credit, free Global Entry or TSA PreCheck, and Priority Pass Select lounge membership.

The annual fee is $450 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.

Marriott Bonvoy Brilliant

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

-Earn 100,000 bonus Marriott Bonvoy points by spending $5,000 in the first 3 months. This bonus ends on April 24, 2019.

-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.

Platinum Delta SkyMiles Credit Card

The is a benefit-rich . It’s not only a good option if you fly Delta regularly, but also because you can earn 35,000 bonus miles and 5,000 bonus Medallion Qualification Miles by spending $1,000 in purchases in the first 3 months of account opening. Plus, you can earn a $100 statement credit after you make a Delta purchase on your card within those first 3 months.

At each card renewal, you get an annual companion certificate valid for one roundtrip domestic cabin fare. You only have to pay the fees and taxes which don’t exceed $75 in most cases.

You also get discounted Delta Sky Club access at $29 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 instead.

Chase Ink Business Preferred

Maybe you are needing a . The Ink Business Preferred℠ Credit Card is one of the best, but one of the deciding factors is having excellent credit. As it’s name implies, this card is 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 Preferred 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 80,000 bonus Ultimate Rewards points. This bonus is worth $1,000 in award travel and new cardmembers qualify after spending $5,000 in the first 3 months. All of these business perks make this one of the best credit cards for excellent credit.

Citi Double Cash

Sometimes, you appreciate the simplicity of earning cash rewards. The Citi Double Cash earns unlimited 2% cash back on every purchase. Although the Double Cash has , 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

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 want?

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9 Best Credit Cards for Excellent Credit
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