Best Credit Cards for Excellent Credit of May 2025

• No Annual fee

• No Intro APR reriod

• $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 flexibility of a card with the predictability of a personal loan;
• Enjoy Visa Signature benefits, 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.

*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 offer. 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 offers 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 offer and may not be available for other Upgrade Card offers.

• Every Purchase Earns You Cash Back
• Increased Cash Back for Three Categories
• No Limits Abroad

• You Can’t Withdraw Cash
• Cash Back Doesn’t Satisfy Your Monthly Payments

• $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.

*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 offer. 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 offers 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 offer and may not be available for other Upgrade Card offers.

• No Foreign Transaction Fee
• High rewards rate

• No Intro APR period
• $95 annual fee (for non-plus members)

• Up to 10% Cash Back on purchases with eligible brands;
• 1.5% Cash Back on everything else;
• Visa® Zero Liability.

• No fees
• Rewards

• No sign-up bonus

• Unlimited creation of virtual cards;
• Scalable credit line;
• Employee cards for everyone;
• Enforceable budgets;
• Expense reports.

• No Foreign Transaction Fee
• High rewards rate
• Flexible rewards redemption
• Sign-up bonus
• Miles won't expire for the life of the account and there's no limit to how many you can earn

• Annual Fee
• No intro APR offer
• Miles transfer to airline partners is less than 1:1

• 75,000 miles once you spend $4,000 on purchases within 3 months from account opening;
• 5x miles on hotels, vacation rentals, and rental cars booked through Capital One Travel;
• 2x miles on every purchase, every day;
• $0 Fraud Liability;
• 24/7 Customer Service;
• The Eno assistant;
• 24-Hour Travel Assistance Services;
• Auto Rental Collision Damage Waiver;
• Travel Accident Insurance;
• Hertz Five Star status;
• Transfer Your Miles;
• Capital One Shopping;
• Shop With Your Rewards;
• Premier Culinary Experiences;
• Big-time Sports Events;
• Must-See Music Events.

• Flat-rate Cash Back Rewards on Everything
• High Rewards Rate
• No annual fee
• Attractive Intro APR on Balance Transfers

• Losing your 1% Cash-Back Is Pretty Easy
• Foreign transaction fee
• Balance Transfer Fee

• Citi Entertainment;
• $200 Cash Back;
• 2% Cash Back on every purchase;
• Fraud Protection;
• The Lost Wallet Service;
• $0 Liability for Unauthorized Charges.

• Excellent cashback bonuses
• Generous intro APR on purchases
• Great introductory bonuses

• Cashback cap
• Annual fee
• Foreign transaction fee

• Earn $300 Back (in the form of a statement credit);
• 6% Cash Back at U.S. Supermarkets on up to $6,000 per year in purchases (then 1%);
• 6% Cash Back on streaming subscriptions;
• 3% Cash Back on transit;
• 3% Cash Back at U.S. Gas Stations;
• 1% Cash Back on other purchases;
• Extended warranty;
• Fraud Protection;
• Return Protection;
• Car Rental Loss and Damage Insurance;
• Global Assist® Hotline;
• Pay It Plan It®;
• American Express Experiences;
• Terms Apply.

• $150 and 5% Cash Back sign-up bonuses
• High cash back rewards on quarterly rotating bonus categories
• Decent cash back rewards on select spending categories
• 0% intro APR on purchases
• No annual fee

• Foreign transaction fee
• Rotating spending categories require activation
• No intro APR on balance transfers

• $200 Bonus;
• 5% Cash Back on travel purchased through Chase Ultimate Rewards;
• 3% Cash Back on dining at restaurants, including takeout and eligible delivery services;
• 3% Cash Back on drugstore purchases;
• 1% Cash Back on all other purchases;
• Zero Liability Protection;
• Extended Warranty Protection;
• Trip Cancellation/Interruption Insurance;
• Cell Phone Protection;
• Auto Rental Collision Damage Waiver;
• Travel and Emergency Assistance Services.

• No Annual Fee
• Generous rewards
• 0% intro APR
• Sign-up bonus

• Foreign Transaction Fee

• Zero Liability Protection;
• $200 intro bonus;
• 5 percent Cash Back on all travel purchased via the Chase Ultimate Rewards portal;
• 3 percent back on dining;
• 3 percent back at drugstores;
• 1.5 percent Cash Back on general purchases;
• Auto Rental Collision Damage Waiver;
• Trip Cancellation/Interruption Insurance;
• Travel and Emergency Assistance Services;
• 24/7 Fraud Protection;
• Redeem for Cash Back;
• Gift cards.

• High rewards rate for select categories
• Introductory Bonus Points
• No Foreign Transaction Fee
• UberCash Credit
• $120 Dining Credit

• Complicated Rewards System
• High Annual Fee
• Limited International Acceptance
• Relatively High Credit Score Requirements
• Balance transfers are not available

• Up to $120 Uber Cash to Dine or Ride;
• $100 hotel credit with The Hotel Collection;
• 100,000 Membership Rewards® Points;
• 4x Membership Rewards® Points on dining at restaurants;
• 4x Membership Rewards® Points on groceries at U.S. supermarkets;
• 3x Membership Rewards® Points on flights booked directly with airlines or on amextravel.com;
• 1x Membership Rewards® Points on all other purchases;
• Additional Cards;
• American Express Experiences;
• Car Rental Loss and Damage Insurance;
• Baggage Insurance Plan;
• Global Assist^® Hotline;
• The Hotel Collection;
• Terms Apply.