Excellent Credit Credit Cards - ApplyNowCredit.com

Excellent Credit - Credit Cards

Consumers with excellent credit never have a hard time finding a new credit card. However, you may run into one problem: comparing hundreds of offers with the idea of choosing the right one. You’ll come to realize that credit cards for excellent credit feature top of the line benefits, low interest rates, reward programs, and much more. You’re in good position to secure the perfect credit card, but don’t make a decision until you compare several offers. Some of the best credit cards for excellent credit are detailed below.

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Excellent Credit

Destiny® Mastercard® – Up to 3% Cashback Rewards

No security deposit required—get started today!

  • Rating :
  • Credit Brand : Mastercard
  • Credit Needed : Fair
  • Rewards : Get 3% Cashback Rewards on your first $5,000 in gas, grocery, restaurant, & mobile phone service purchases and 1% Cashback Rewards on all other purchases
  • Annual Fee : $175 the first year; $49 thereafter
  • Regular APR : 35.90%
  • Updated for : Sun 22 Jun 2025
  • More Details : View Card Page

Highlights

  • A rewards card for people with less-than-perfect credit!
  • Fuel your savings! Get 3% Cashback Rewards on your first $5,000 in gas, grocery, restaurant, & mobile phone service purchases!
  • A guaranteed $700 credit limit to help you build access to credit, if approved.
  • With Cashback Rewards, you get to live like an A-lister.
  • Zero Fraud Liability – Peace of mind that comes with having a Mastercard.
  • Join over a million consumers who use the Destiny Mastercard to help build their access to credit.
  • No security deposit required—get started today!

Card Details Page

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Excellent Credit

Aspire® Cash Back Rewards Mastercard

Up to $1,000 credit limit subject to credit approval

  • Rating :
  • Credit Brand : Mastercard
  • Credit Needed : Fair
  • Rewards : Up to 3% Cash Back Rewards; 3% Cash Back Rewards on Gas, Groceries and Utility Bill Payments. 1% Cash Back Rewards on all other eligible purchases.
  • Annual Fee : $85-$175 first year, $229 thereafter
  • Regular APR : 36% Fixed
  • Updated for : Sun 22 Jun 2025
  • More Details : View Card Page

Highlights

  • Earn Cash Back Rewards* on All Eligible Purchases – 3% on Gas, Groceries, and Utilities, and 1% on All Other Eligible Purchases
  • Up to $1,000 credit limit subject to credit approval
  • Prequalify** without affecting your credit score
  • No security deposit
  • Free Access to your Credit Score†

*See Program Terms for important information about the cash back rewards program.

** Prequalify means that you authorize us to make a soft inquiry into your credit history (that will not affect your credit) to create an offer. If you accept an offer a hard inquiry will be made. Final approval is not guaranteed if you do not meet all applicable criteria (including adequate proof of ability to repay). Income verification through access to your bank account information may be required.

† Your credit score will be available in your online account starting 60 days after your account is opened. (Registration required.) The free VantageScore 4.0 credit score provided by TransUnion® is for educational purposes only. This score may not be used by The Bank of Missouri (the issuer of this card) or other creditors to make credit decisions.

Card Details Page

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Excellent Credit

Milestone® Mastercard® – 1.5% Cashback Rewards

A guaranteed $700 credit limit to help get your financial goals on track, if approved

  • Rating :
  • Credit Brand : Mastercard
  • Credit Needed : Fair
  • Rewards : Unlimited 1.5% Cashback Rewards earned on every purchase
  • Annual Fee : $175 the first year; $49 thereafter
  • Regular APR : 35.90%
  • Updated for : Sun 22 Jun 2025
  • More Details : View Card Page

Highlights

  • Turn everyday purchases into 1.5% Cashback Rewards!
  • A guaranteed $700 credit limit to help get your financial goals on track, if approved.
  • Apply with Confidence! No Impact to your credit score if you cannot be approved. See terms.
  • No upfront security deposit required so you can keep more money in your pocket.
  • Join over a million consumers who are working on building their access to credit.
  • Zero Fraud Liability – Peace of mind that comes with having a Mastercard.
  • A rewards card for people with less than perfect credit!

Card Details Page

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Excellent Credit

Upgrade Cash Rewards Visa®

Up to 10% cash back from your favorite brands with Upgrade Shopping

  • Rating :
  • Credit Brand : Visa
  • Credit Needed : Fair to Excellent
  • Rewards : 1.5% unlimited cash back on every purchase
  • Annual Fee : $0.00
  • Regular APR : 14.99% - 29.99% APR
  • Updated for : Sun 22 Jun 2025
  • More Details : View Card Page

Highlights

    • $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*
    • 1.5% unlimited cash back on every purchase
    • No annual fee
    • See if you qualify in seconds with no impact to your credit score
    • Combine the fl exibility of a card with the predictability of a personal loan
    • Enjoy Visa Signature benefi ts, like Roadside Dispatch, Price Protection, Extended Warranty Protection, and more
    • Up to 10% cash back from your favorite brands with Upgrade Shopping
    • Contactless payments with Apple Pay® and Google Wallet™
    • Mobile app to access your account anytime, anywhere
    • Use your card anywhere Visa is accepted

Relax knowing that you are protected in case of unauthorized transactions with Visa’s Zero Liability Policy

Welcome Bonus Disclosure: *To qualify for the welcome bonus, you must open and fund a new Rewards Checking Plus account through Upgrade and make 3 qualifying debit card transactions from your Rewards Checking Plus account within 60 days of the date the Rewards Checking Plus account is opened. If you have previously opened a checking account through Upgrade or do not open a Rewards Checking Plus account as part of this application process, you are not eligible for this welcome bonus off er. Your Upgrade Card and Rewards Checking Plus account must be open and in good standing to receive a bonus. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade Visa® Debit Card Agreement and Disclosures for more information. Welcome bonus off ers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking Plus account as a one-time payout credit within 60 days after meeting the conditions. This one-time bonus is available through this Upgrade Card off er and may not be available for other Upgrade Card offers.

State Exclusions: DC, GA, IA, MA, WV, WI

Link to Rates and Terms: https://upgrade.zendesk.com/hc/en-us/articles/20952319319067

Card Details Page

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Excellent Credit

Upgrade Triple Cash Rewards Visa®

See if you qualify in minutes without hurting your credit score

  • Rating :
  • Credit Brand : Visa
  • Credit Needed : Good/Excellent
  • Rewards : 3% unlimited cash back on every purchase in Home, Health, and Auto categories
  • Annual Fee : $0.00
  • Regular APR : 14.99% - 29.99% APR
  • Updated for : Sun 22 Jun 2025
  • More Details : View Card Page

Highlights

  • $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*
  • 3% unlimited cash back on every purchase in Home, Health, and Auto categories
  • No annual fee
  • Enjoy Visa Signature benefits, like Roadside Dispatch, Price Protection, Extended Warranty and more
  • Up to 10% cash back from your favorite brands with Upgrade Shopping
  • No touch payments with contactless technology built in
  • See if you qualify in seconds with no impact to your credit score
  • Great for large purchases with predictable payments you can budget for
  • Mobile app to access your account anytime, anywhere
  • Use your card anywhere Visa is accepted
  • Relax knowing that you are protected in case of unauthorized transactions with Visa’s Zero Liability Policy

Welcome Bonus Disclosure: *To qualify for the welcome bonus, you must open and fund a new Rewards Checking Plus account through Upgrade and make 3 qualifying debit card transactions from your Rewards Checking Plus account within 60 days of the date the Rewards Checking Plus account is opened. If you have previously opened a checking account through Upgrade or do not open a Rewards Checking Plus account as part of this application process, you are not eligible for this welcome bonus off er. Your Upgrade Card and Rewards Checking Plus account must be open and in good standing to receive a bonus. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade Visa® Debit Card Agreement and Disclosures for more information. Welcome bonus off ers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking Plus account as a one-time payout credit within 60 days after meeting the conditions. This one-time bonus is available through this Upgrade Card off er and may not be available for other Upgrade Card offers.

State Exclusions: DC, GA, IA, MA, WV, WI

Link to Rates and Terms: https://upgrade.zendesk.com/hc/en-us/articles/1260804318969-Upgrade-Triple-Cash-Back-Rewards-Details 

Card Details Page

Apply Now APPLY NOW
Get Free Credit Score

Excellent Credit

Upgrade Life Rewards Visa®

$200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*

  • Rating :
  • Credit Brand : Visa
  • Credit Needed : Good to Excellent
  • Rewards : 3% unlimited cash back on Gas, Groceries, Health, Streaming, and Utilities and unlimited 1% cash back on all other purchases
  • Annual Fee : $0.00
  • Regular APR : 14.99% -29.99% APR
  • Updated for : Sun 22 Jun 2025
  • More Details : View Card Page

Highlights

    • $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*
    • 3% unlimited cash back on Gas, Groceries, Health, Streaming, and Utilities and unlimited 1% cash back on all other purchases
    • No annual fee
    • Pay no interest when you pay your full balance early**
    • Enjoy Visa Signature benefi ts, like Roadside Dispatch, Price Protection, Extended Warranty and more
    • Up to 10% cash back from your favorite brands with Upgrade Shopping
    • No touch payments with contactless technology built in
    • See if you qualify in seconds with no impact to your credit score
    • Great for everyday expenses and large purchases with predictable payments you can budget for
    • Mobile app to access your account anytime, anywhere
    • Use your card anywhere Visa is accepted

Relax knowing that you are protected in case of unauthorized transactions with Visa’s Zero Liability Policy

Welcome Bonus Disclosure: *To qualify for the welcome bonus, you must open and fund a new Rewards Checking Plus account through Upgrade and make 3 qualifying debit card transactions from your Rewards Checking Plus account within 60 days of the date the Rewards Checking Plus account is opened. If you have previously opened a checking account through Upgrade or do not open a Rewards Checking Plus account as part of this application process, you are not eligible for this welcome bonus off er. Your Upgrade Card and Rewards Checking Plus account must be open and in good standing to receive a bonus. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade Visa® Debit Card Agreement and Disclosures for more information. Welcome bonus off ers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking Plus account as a one-time payout credit within 60 days after meeting the conditions. This one-time bonus is available through this Upgrade Card off er and may not be available for other Upgrade Card offers.

EarlyPay Disclosure: **By paying off your statement balance in full by the EarlyPay payment date, which is two calendar days after your statement closing date, you will avoid daily interest on any new transactions until the following EarlyPay payment date. Refer to your Personal Credit Line Agreement for EarlyPay terms and information. If the balance is not paid in full by the EarlyPay payment date, daily interest will begin to accrue after the Early Pay payment date for past and new transactions. To maintain good standing on your account, you must make at least the required monthly payment by the monthly payment due date, which is 22 calendar days after the statement closing date. You may pay down your full balance at any time to stop further interest charges.

State Exclusions: DC, GA, IA, MA, WV, WI

Link to Rates and Terms: https://upgrade.zendesk.com/hc/en-us/articles/10219761084443-Upgrade-Life-Rewards-Card-Details

Card Details Page

Additional Resources

Top Credit Card Perks Associated with Excellent Credit

Credit Card Perks
According to Experian, an excellent or exceptional credit score falls between 800 and 850. While only 20 percent of consumers have an excellent score, if you’re lucky enough to reach this level it will provide you with a variety of financial benefits. This is particularly true when applying for a credit card. There are credit card offers designed for every type of consumer, regardless of credit score. For example, if you have poor credit, you can use a secured credit
Continue Reading »

What are the Benefits of Cash Back Credit Cards?

Cash Back Credit Cards
Cash back Credit cards - As you begin your search for the perfect credit card, it makes sense to focus on those that give you something in return for using it. And that’s why cash back and rewards credit cards have become so popular over the years. Before you apply for cash back credit cards, it’s a good idea to compare the finer details of three to five offers. This gives you a solid overview of what’s available, thus helping
Continue Reading »

Do You Have Good Credit? Questions to Help You Choose the Right Card
If you have poor (under 580) or fair (580 to 669) credit, you typically have to take what you can get when applying for a credit card. In fact, you may even have to rely on a secured credit card (requires a cash deposit as collateral) until your score is high enough to obtain an unsecured credit card. Conversely, if you have good or excellent credit, there are many more offers to consider. Knowing what to look for will go
Continue Reading »

5 Reasons Why You Want an Excellent Credit Score

It goes without saying that most consumers are interested in obtaining an excellent credit score. While this is a good goal to have, do you know why an excellent credit score is such a big deal?
Generally speaking, an excellent or exceptional credit score is anything between 800 and 850. It’s not easy to achieve, but once you do you can take advantage of benefits such as:

1. Lower Credit Card Interest Rate

There are many credit card offers to choose from, but that doesn’t mean you’ll qualify for each and every one.
With an excellent credit score, not only do you gain access to more credit cards but your interest rate will also be on the low end of the scale.

2. Increased Borrowing Capacity

Are you interested in a higher credit limit? Do you require a large loan, such as to purchase a motor vehicle?
An excellent credit score results in increased borrowing capacity, thus making it easier to reach many of your personal and financial goals.

3. Lower Rate When Buying a Home

Buying a home is one of the biggest decisions you will ever make. Even if you find your dream home, you’re not ready to close on the deal until you have a mortgage loan in place.
Depending on the size of your loan, it’s not out of the question to spend thousands of dollars per year on interest. This is why it’s important to secure the lowest rate possible.
Even one percentage point can save you tens of thousands of dollars over the course of your loan.

4. No Security Deposit Requirement

Have you ever been asked for a security deposit when activating utilities or signing up for a cell phone plan?
This is typically the result of a poor credit score. With an excellent score, you never have to worry about this again. Instead, you’re seen as a more trusted and reliable consumer, thus saving you the hassle of having to make a security deposit.

5. More Affordable Car Insurance

Let’s face it: keeping your car insurance premium affordable is easier said than done. All it takes is one claim or ticket to experience a rate hike.
Fortunately, there are ways to save, such as by maintaining a good or excellent credit score.
Insurance companies believe that drivers with bad credit are more likely to file a claim, so they penalize them with a higher premium. You don’t want to fall into this category.

Conclusion

While these are five of the better reasons to want an excellent credit score, you’ll come to find many other benefits entering your life as a result.
If you have room to improve your credit score, don’t hesitate to take action. As your score increases, your life will improve in many ways.

Financial services disclosures

Credit Terms, Rates and Fees : Credit cards have APR rates and fees that you need to review before you sign on with a bank or lender. APR rates can range from 0% to 35.99%. Annual fees can range from $0.00 to $199.00. These financing costs will influence your decision if you anticipate using the card for single purchases or if you intend to carry a monthly balance. If you don’t make your timely required payments by the due date, financing costs increase and you’ll have to pay the credit issuer those fees plus your current balance. Please review the credit card applications for specifics into the terms, rates, fees and conditions. All credit card offers are displayed without guarantee. To affirm terms and conditions, tap the “Apply Now” to learn more about the credit offer on a secure page provided by the card issuer(s).

Terms & Offers

Advertisements which display guaranteed lines of credit for $500.00-$750.00 are exclusively for usage through online shopping retail stores, online auctions and/or online marketplace store websites. Please review full terms and conditions prior to applying for any line of credit. Credit limit offers displayed on advertisements are contingent on getting approved by the credit institution issuing the credit card or issuing the line of credit.

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